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):   OCTOBER 15, 1999


                           BOATMEN'S AUTO TRUST 1996-A
                           ---------------------------
             (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)



     UNITED  STATES
     OF  AMERICA               33-95450               43-6752540
     -----------               --------               ----------
     (STATE OR OTHER           (COMMISSION  FILE      (IRS  EMPLOYER
     JURISDICTION OF           NUMBER)                IDENTIFICATION  NO.)
     INCORPORATION


                           BOATMEN'S AUTO TRUST 1996-A
                                INTERSTATE TOWERS
                                  NC1-005-14-02
                              121 WEST TRADE 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
       1996-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 1996-A
                          -----------------------------
                                  (REGISTRANT)



DATED:     OCTOBER  20,  1999               BY:    /S/JILL  STEWART
           ------------------                      ----------------
                                            NAME:     JILL  STEWART
                                            TITLE:  SENIOR  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 1996-A