Page 1


Chase Manhattan Auto Owner Trust 1997-A

                                      Statement to Certificateholders
                                      February 15 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   128,588,683.64  16,214,087.83     685,806.31  16,899,894.14        0.00       0.00   112,374,595.81
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   249,242,401.77  16,214,087.830  1,343,741.50  17,557,829.33        0.00       0.00   233,028,313.94




    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             779.32535539      98.26719897     4.15640188    102.42360085     681.05815642          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         212.90873459      13.85045601     1.14785566     14.99831168     199.05827858


                                  (C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION

                                                                          Page 2


Chase Manhattan Auto Owner Trust 1997-A

                                        Statement to Certificateholders
                                        February 15 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

                                February 15 2000
                         STATEMENT TO CERTIFICATEHOLDERS

                                 Due Period                                   35
                                 Due Period Beginning Date              01/01/00
                                 Due Period End Date                    01/31/00
                                 Determination Date                     02/10/00


                                                                                                                   
Section 5.8(iii)   Servicing Fee                                                                                          207,702.00
SectFion 5.8(iii)  Servicing Fee per $1000                                                                                0.17742395

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                                                   233,028,313.94

Section 5.8(vii)   Repurchase Amounts for Repurchased Receivable
                   By Seller                                                                                                    0.00
                   By Servicer                                                                                            134,080.08
                   TOTAL                                                                                                  134,080.08

Section 5.8(viii)  Realized Net Losses for Collection Period                                                              168,170.78

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                                                                           18,056,661.09
                   Servicing Fee                                                                                          207,702.00
                   Administration Fee                                                                                       1,000.00
                   Noteholders Distribution Amount                                                                     17,363,019.14


                                  (C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION

                                                                          Page 4


Chase Manhattan Auto Owner Trust 1997-A

                                February 15 2000


                                                                                                                       
                   Certficateholders Distribution Amount                                                                  194,810.19
                   Deposit to Reserve Account                                                                             290,129.76


                                  (C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION