UNITED  STATES
                      SECURITIES  AND  EXCHANGE  COMMISSION

                             WASHINGTON,  DC  20549


                                    FORM  8-K

                                 CURRENT  REPORT

                  PURSUANT  TO  SECTION  13  OR  15(D)  OF  THE
                       SECURITIES  EXCHANGE  ACT  OF  1934



   DATE  OF  REPORT  (DATE  OF  EARLIEST  EVENT  REPORTED):  FEBRUARY 15, 1999


                           BOATMEN'S AUTO TRUST 1995-A
                           ---------------------------
             (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)





           UNITED STATES
           OF AMERICA               33-95450               43-6617959
           ----------               --------               ----------
           (STATE OR OTHER          (COMMISSION FILE       (IRS EMPLOYER
           JURISDICTION OF          NUMBER)                IDENTIFICATION NO.)
           INCORPORATION


                           BOATMEN'S AUTO TRUST 1995-A
                               TRANSAMERICA SQUARE
                                  NC1-021-03-07
                             401 NORTH TRYON STREET
                        CHARLOTTE, NORTH CAROLINA  28255
                                 (704) 386-5000


                    (ADDRESS OF PRINCIPAL EXECUTIVE OFFICES)
                    ----------------------------------------

     REGISTRANT'S  TELEPHONE  NUMBER  INCLUDING  AREA  CODE:  (704)  386-5000




ITEM  5.               OTHER  EVENTS
                       -------------

          THE  REGISTRANT  HEREBY  INCORPORATES  BY  REFERENCE  THE  INFORMATION
          CONTAINED  IN  EXHIBIT  99  HERETO  IN  RESPONSE  TO  THIS  ITEM 5.


ITEM  7.               FINANCIAL  STATEMENTS, PRO FORMA FINANCIAL STATEMENTS AND
                       ---------------------------------------------------------
                       EXHIBITS
                       -------

(C)     EXHIBITS

99            MONTHLY  SERVICING REPORT FOR NATIONSBANK, N.A., BOATMEN'S AUTO
              TRUST  1995-A
 




                                   SIGNATURES

PURSUANT  TO  THE  REQUIREMENTS  OF THE SECURITIES AND EXCHANGE ACT OF 1934, THE
REGISTRANT  HAS  DULY  CAUSED  THIS  REPORT  TO  BE  SIGNED ON ITS BEHALF BY THE
UNDERSIGNED  HEREUNTO  DULY  AUTHORIZED.

                          BOATMEN'S  AUTO  TRUST 1995-A
                          -----------------------------
                                   (REGISTRANT)



DATED:   March 29, 1999            BY:  /S/  SUZANNE  W.  CASTLEBERRY
                                        -----------------------------
                                   NAME:     SUZANNE  W.  CASTLEBERRY
                                   TITLE:    VICE  PRESIDENT
                                             NATIONSBANK,  N.A.
                                             (DULY  AUTHORIZED  OFFICER)



                                INDEX TO EXHIBITS
                                -----------------



EXHIBIT
NUMBER                         EXHIBIT
- ------                         -------

99          MONTHLY  SERVICING REPORT FOR NATIONSBANK,N.A., BOATMEN'S AUTO TRUST
            1995-A