SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                    Form 8-K

                                 CURRENT REPORT

                         Pursuant to Section 13 or 15(d)
                     of the Securities Exchange Act of 1934

                        Date of Report: February 15, 2000

                 CHASE MANHATTAN BANK USA, NATIONAL ASSOCIATION
           ----------------------------------------------------------
                  (Originator of the Trust referred to herein)
           (Exact name of the registrant as specified in its charter)

                     CHASE MANHATTAN AUTO OWNER TRUST 1997-B
           ----------------------------------------------------------
                                    (Issuer)

       United States                 333-7575                  22-2382028
- ----------------------------  ------------------------  ------------------------
(State or other jurisdiction  (Commission File Number)  (IRS Employer
of incorporation)                                       Identification No.)

                  802 Delaware Avenue, Wilmington, Delaware    19801
                  -----------------------------------------    ------------
                  (Address of principal executive offices)     (Zip Code)

Registrant's telephone number, including area code: (302) 575-5033


Item 5. Other Events:

      Chase Manhattan Auto Owner Trust is the issuer of five classes of Asset
Backed Notes and a single class of Asset Backed Certificates. The notes and
certificates are serviced in accordance with the Sale and Servicing Agreement,
dated as of June 1, 1997, as amended. The parties to the Sale and Servicing
Agreement are: Chase Manhattan Bank USA, National Association, as seller and as
servicer, and Chase Manhattan Owner Trust, as issuer.

      On February 15, 2000, Chase USA, as servicer, distributed monthly interest
to the holders of the notes and certificates. Chase USA furnished a copy of the
statement to certificateholders for each of the series as required by the Sale
and Servicing Agreement. A copy of the monthly statement to certificateholders
is being filed as Exhibit 20.1 to this Current Report on Form 8-K.

Item 7(c).        Exhibits

                  Exhibits         Description
                  --------         -----------

                  20.1             Monthly Statement to Certificateholders with
                                   respect to the February 15, 2000
                                   distribution.


                                   SIGNATURES

      Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has caused this report to be signed on its behalf by the undersigned
thereunto duly authorized.

Dated: February 23, 2000

                                        By: THE CHASE MANHATTAN BANK, USA,
                                        NATIONAL ASSOCIATION
                                        as Servicer


                                        By: /s/ Patricia Garvey
                                        ----------------------------------------
                                        Name: Patricia Garvey
                                        Title: Vice President


                                INDEX TO EXHIBITS

Exhibit No.                     Description
- -----------                     -----------

20.1                            Statement to Certificateholders dated 2/15/2000
                                delivered pursuant to Section 5.8 of the Sale
                                and Servicing Agreement dated as of June 1,
                                1997.