EXHIBIT-99
MONTHLY SERVICERS CERTIFICATE
SERVICER: NATIONSBANK, N.A.
NATIONSBANK AUTO TRUST 1995-A
Pursuant to the Pooling and Servicing Agreement, dated as of December 6, 1995 (as amended and supplemented, the
"Pooling and Servicing Agreement") between NationsBank, N.A., NationsBank of Georgia,N.A.
NationsBank of Florida, N.A., and NationsBank of Texas, N.A. (as "Sellers"); NationsBank N.A. (as "Servicer");
and Chemical Bank (as "Trustee"), the Servicer is required to prepare certain information each
month regarding distributions to Certificateholders' and the performance of the Trust. The information with
respect to the applicable Distribution Date and Due Period is set forth below.
Collection Period Oct-98
Determination Date 11/6/98
Deposit Date 11/13/98
Distribution Date 11/16/98
Pool Balance on the close of the last day of the preceding Collection Period 147,864,524.64
Less: Principal Collections 10,708,222.55
Purchase Amount allocable to Principal 0.00
Realized Losses 617,206.85
-----------------
Pool Balance on the close of the last day of the Collection Period 136,539,095.24
=================
Original Pool Balance 1,066,816,806.33
Pool Factor 12.79874%
Class A Certificate Balance
Beginning Class A Certificate Balance 143,428,588.90
Class A Principal Distribution to Class A Distribution Account 10,985,666.52
-----------------
Ending Class A Certificate Balance 132,442,922.38
Original Class A Certificate Balance 1,034,812,302.14
Class A Pool Factor 12.79874%
Class B Certificate Balance
Beginning Class B Certificate Balance 4,435,935.73
Class B Principal Distribution to Class B Distribution Account 339,762.88
-----------------
Ending Class B Certificate Balance 4,096,172.85
Original Class B Certificate Balance 32,004,504.19
Class B Pool Factor 12.79874%
Class A Pass-Through Rate 5.8500%
Class B Pass-Through Rate 6.0000%
Class A Percentage 97.0000%
Class B Percentage 3.0000%
Available Interest
Collections and Liquidation Proceeds allocable to interest 1,320,466.80
Recoveries 103,756.42
Purchase Amount allocable to Interest 0.00
-----------------
Total Interest Collections 1,424,223.22
Advances for the related Distribution Date 228,668.93
Less: Outstanding Advances to be reimbursed 245,848.71
-----------------
Total Available Interest 1,407,043.44
Available Principal
Collections and Liquidation Proceeds allocable to Principal 10,708,222.55
Purchase Amount allocable to Principal 0.00
-----------------
Total Available Principal 10,708,222.55
Deposit to Certificate Account
Available Interest 1,407,043.44
Available Principal 10,708,222.55
Withdrawal from Reserve Account 54,777.90
Less: Basic Servicing Fee to be withheld from Collections 123,220.44
-----------------
Net Deposit to Certificate Account 12,046,823.45
Class A Interest Distribution
Class A Monthly Interest 699,214.37
Class A Interest Carryover Shortfall 0.00
-----------------
Total 699,214.37
Class B Interest Distribution
Class B Monthly Interest 22,179.68
Class B Interest Carryover Shortfall 0.00
-----------------
Total 22,179.68
Class A Principal Distribution
Class A Monthly Principal 10,985,666.52
Class A Principal Carryover Shortfall from the preceding
Distribution Date 0.00
-----------------
Total 10,985,666.52
Class B Principal Distribution
Class B Monthly Principal 339,762.88
Class B Principal Carryover Shortfall from the preceding
Distribution Date 0.00
-----------------
Total 339,762.88
Basic Servicing Fee (inc. unpaid amount from prior periods) 123,220.44
Distributions to the extent of Available Interest and Available Reserve Amount
(and Class B Percentage of Available Principal with respect to Class A Interest Distribution)
Unpaid Basic Servicing Fee to Servicer 123,220.44
Class A Interest Distribution to Class A Distribution Account 699,214.37
Class B Interest Distribution to Class B Distribution Account 22,179.68
Distributions of Available Principal, Remaining Available Interest
and Remaining Available Reserve Amount
Class A Principal Distribution to Class A Distribution Account 10,985,666.52
Class B Principal Distribution to Class B Distribution Account 339,762.88
To Reserve Account up to Specified Reserve Account Balance 0.00
Any Remaining Amounts to Sellers 0.00
Specified Reserve Account Balance 13,335,210.08
Greater of:
(a) Reserve percentage applicable 5.00%
Pool Balance on last day of Collection Period times reserve
percentage applicable 6,826,954.76
(b) Lesser of: Deposit from Available Interest and Available Principal
(i) floor amount stated or 13,335,210.08
(ii) Pool Balance on last day of Collection Period
plus interest through Scheduled Distribution Date 170,308,679.34
Specified Reserve Account Balance 13,335,210.08
Reserve Account
Beginning Balance 13,335,210.08
Deposit from Available Interest and Available Principal 0.00
Investment Earnings 51,612.74
Less: Withdrawal from Reserve Account and deposit to Certificate
Account to cover:
Accrued and unpaid Basic Servicing Fees 0.00
Amounts to be distributed to Certificateholders' 54,777.90
Reimb. to Servicer for Outstanding Advances associated with
Defaulted Accounts 20,075.72
Less: Withdrawal by Sellers of Excess of Reserve Account Balance Over
Specified Reserve Account Balance 0.00
Less: Withdrawal of Investment Earnings by Servicer 0.00
-----------------
Ending Balance 13,311,969.20
=================
Available Reserve Account Balance 13,335,210.08
Realized Losses 617,206.85
Net Loss Ratio (annualized)
For the current Collection Period 4.33%
For the preceding Collection Period 1.31%
For the second preceding Collection Period 1.77%
Average Net Loss Ratio (Specified Reserve Account Balance increases if greater than 1.50%) 2.47%
Delinquency Analysis
Number of Loans
30 to 59 days past due 998
60 to 89 days past due 228
90 or more days past due 170
-----------------
Total 1,396
Principal Balance
30 to 59 days past due 6,107,251.87
60 to 89 days past due 1,421,540.54
90 or more days past due 1,143,519.29
-----------------
Total 8,672,311.70
Delinquency Ratio
For the current Collection Period 1.88%
For the preceding Collection Period 1.96%
For the second preceding Collection Period 1.73%
Average Delinquency Ratio (Specified Reserve Account Balance increases if greater
than 1.25%) 1.85%
Collateral Repossessed and Held by the Trust
Number 60
Principal Balance 390,489.42
Weighted Average Computations
Weighted Average Coupon 10.66860%
Weighted Average Original Term 62.43
Weighted Average Remaining Term 20.12
<FN>
NOTE:Contemporaneous with the merger of NationsBank Corporation and BankAmerica Corporation,
NationsBank changed the timing of recognition of charge-offs on delinquent automobile loans
in order to standardize its policy. The effect of this change is that delinquent automobile
loans will be charged off at 120 days past due. Recoveries will be realized upon receipt of
liquidation proceeds. The estimated impact of this change is increased charge-offs of
approximately $248,000.00 in October 1998.