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): APRIL 15, 1998


                                NATIONSBANK, N.A.
                                -----------------
             (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)
        (AS SERVICER ON BEHALF OF NATIONSBANK AUTO GRANTOR TRUST 1995-A)



          UNITED  STATES
          OF  AMERICA               33-97436               57-0236115
          -----------               --------               ----------
          (STATE  OR OTHER          (COMMISSION FILE       (IRS EMPLOYER
          JURISDICTION  OF          NUMBER)                IDENTIFICATION NO.)
          INCORPORATION

                                NATIONSBANK, N.A.
                          NATIONSBANK CORPORATE CENTER
                             100 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  SERVICER'S  CERTIFICATE  FOR  NATIONSBANK,  N.A.
            CLASS  A  &  B,  NATIONSBANK  AUTO  TRUST  1995-A



                                   SIGNATURES

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

                                NATIONSBANK, N.A.
                                -----------------
                                  (REGISTRANT)
        (AS SERVICER ON BEHALF OF NATIONSBANK AUTO GRANTOR TRUST 1995-A)


DATED:     APRIL  28,  1999        BY: /S/  SUZANNE W. CASTLEBERRY
           ----------------                -----------------------
                                   NAME:    SUZANNE W. CASTLEBERRY
                                   TITLE:   VICE  PRESIDENT
                                   (DULY  AUTHORIZED  OFFICER)


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



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

99          MONTHLY  SERVICER'S  CERTIFICATE  FOR  NATIONSBANK,  N.A.
            CLASS  A  &  B,  NATIONSBANK  AUTO  TRUST  1995-A