Exhibit 99.1


                        Annual Statement as to Compliance

                                NationsBank, N.A.

                            Barnett Auto Trust 1997-A
                            -------------------------

     This  Officer's Certificate is executed  pursuant to the Sale and Servicing
Agreement  dated as of September 1, 1997 (the "Agreement"), between Barnett Auto
Trust  1997-A,  as  Issuer,  and  Barnett  Dealer  Financial  Services, Inc., as
Sponsor  and  Servicer.  Barnett Dealer Financial Services, Inc. was merged into
NationsBank,  N.A.  and  NationsBank,  N.A. assumed the obligations of Servicer.
The  undersigned,  a duly authorized representative of the Servicer, does hereby
certify  that:


1.     Capitalized  terms  used  in  this  Officer's  Certificate  have  their
       respective  meanings  set  forth  in  the  Agreement.

2.     NationsBank,  N.A.  is  as  of  the  date  hereof  the Servicer under the
       Agreement.

3.     The  undersigned  is duly authorized pursuant to the Agreement to execute
       and  deliver  this  Officer's  Certificate  to  the  Trustee.

4.     The  certificate  is delivered pursuant to Section 4.10 of the Agreement.

5.     A review of the activities of the Servicer during the calendar year ended
       December  31, 1998, and of its performance under the Agreement was made 
       under my supervision.

6.     Based on such review, to the best of my knowledge, the Servicer has fully
       performed all its obligations under the Agreement throughout such 
       calendar year, and no event which, with the giving of notice or passage 
       of time or both, would constitute a default by the Servicer has occurred
       or is continuing.


IN  WITNESS WHEREOF, the undersigned, a duly authorized officer of the Servicer,
has  duly  executed  this  Officer's  Certificate this  31st day of March, 1999.



                              By:  /s/  SUZANNE  CASTLEBERRY
                                        --------------------
                              Suzanne  Castleberry
                              Vice  President