Page 1



Chase Manhattan Auto Owner Trust 1997-A

                                 Statement to Certificateholders
                                 January 18 2000



        DISTRIBUTION IN DOLLARS

                 ORIGINAL           PRIOR                                                                               CURRENT
                  FACE            PRINCIPAL                                                       REALIZED  DEFERRED   PRINCIPAL
   CLASS          VALUE            BALANCE         PRINCIPAL        INTEREST         TOTAL         LOSES    INTEREST    BALANCE
                                                                                             
A1             250,000,000.00             0.00            0.00            0.00            0.00      0.00      0.00             0.00
A2             365,000,000.00             0.00            0.00            0.00            0.00      0.00      0.00             0.00
A3             270,000,000.00             0.00            0.00            0.00            0.00      0.00      0.00             0.00
A4             165,000,000.00   146,042,619.25   17,453,935.61      778,893.97   18,232,829.58      0.00      0.00   128,588,683.64
A5              85,500,000.00    85,500,000.00            0.00      463,125.00      463,125.00      0.00      0.00    85,500,000.00
B1              35,153,718.13    35,153,718.13            0.00      194,810.19      194,810.19      0.00      0.00    35,153,718.13
TOTALS       1,170,653,718.13   266,696,337.38  17,453,935.610    1,436,829.16   18,890,764.77      0.00      0.00   249,242,401.77




    FACTOR INFORMATION PER $1000 OF ORIGINAL FACE                                                    PASS-THROUGH RATES

                 PRIOR                                                         CURRENT                                CURRENT
               PRINCIPAL                                                      PRINCIPAL            CLASS             PASS THRU
 CLASS           FACTOR           PRINCIPAL      INTEREST       TOTAL          FACTOR                                   RATE
                                                                                                 
A1                .00000000        .00000000      .00000000     .00000000        .00000000          A1                5.545000 %
A2                .00000000        .00000000      .00000000     .00000000        .00000000          A2                5.950000 %
A3                .00000000        .00000000      .00000000     .00000000        .00000000          A3                6.250000 %
A4             885.10678333     105.78142794     4.72056952  110.50199745     779.32535539          A4                6.400000 %
A5           1,000.00000000        .00000000     5.41666667    5.41666667   1,000.00000000          A5                6.500000 %
B1           1,000.00000000        .00000000     5.54166672    5.54166672   1,000.00000000          B1                6.650000 %
TOTALS         227.81829780      14.90956321     1.22737334   16.13693655     212.90873459


                                  (C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION

                                                                          Page 2


Chase Manhattan Auto Owner Trust 1997-A

                                 Statement to Certificateholders
                                 January 18 2000

IF THERE, ARE ANY QUESTIONS OR PROBLEMS WITH THIS STATEMENT PLEASE CONTACT THE
ADMINISTRATOR LISTED BELOW:

Mark  McDermott
The Chase Manhattan Bank - Structured Finance Services
450 W. 33rd Street, 14th Floor,
New York, New York 10001
Tel: (212) 946-7016
Email: mark.mcdermott@chase.com

                                  (C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION

                                                                          Page 3


Chase Manhattan Auto Owner Trust 1997-A

                                 January 18 2000
                         STATEMENT TO CERTIFICATEHOLDERS

                                     Due Period                            34
                                     Due Period Beginning Date       12/01/99
                                     Due Period End Date             12/31/99
                                     Determination Date              01/10/00


                                                                                                                  
Section 5.8(iii)            Servicing Fee                                                                                222,246.95
SectFion 5.8(iii)           Servicing Fee per $1000                                                                      0.18984858

Section 5.8(iv)             Administration Fee                                                                             1,000.00
Section 5.8(iv)             Administration Fee per $1000                                                                 0.00085422

Section 5.8(vi)             Pool Balance at the end of the Collection Period                                         249,242,401.77

Section 5.8(vii)            Repurchase Amounts for Repurchased Receivable
                            By Seller                                                                                          0.00
                            By Servicer                                                                                  145,420.41
                            TOTAL                                                                                        145,420.41

Section 5.8(viii)           Realized Net Losses for Collection Period                                                    285,700.92

Section 5.8(ix)             Reserve Account Balance after Disbursement                                                 8,779,902.89

Section 5.8(x)              Specified Reserve Account Balance                                                          8,779,902.89

Section 5.8(xi)             Total Distribution Amount                                                                 19,214,986.02
                            Servicing Fee                                                                                222,246.95
                            Administration Fee                                                                             1,000.00
                            Noteholders Distribution Amount                                                           18,695,954.58


                                  (C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION

                                                                          Page 4


Chase Manhattan Auto Owner Trust 1997-A

                                January 18 2000


                                                                                                                      
                            Certficateholders Distribution Amount                                                        194,810.19
                            Deposit to Reserve Account                                                                   100,974.30


                                  (C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION