Exhibit 20.1


                                                                                                                              Page 1
Chase Manhattan Auto Owner Trust 1998-B
                                                             Statement to Certificateholders
                                                             April 17 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          200,000,000.00         0.00            0.00             0.00             0.00         0.00       0.00          0.00
A3          321,000,000.00   141,834,639.78   24,307,315.00       679,624.32    24,986,939.32     0.00       0.00    117,527,324.78
A4          282,800,000.00   282,800,000.00        0.00         1,366,866.67     1,366,866.67     0.00       0.00    282,800,000.00
B1           32,604,142.65    32,604,142.65        0.00           164,379.22       164,379.22     0.00       0.00     32,604,142.65
TOTALS    1,086,404,142.65   457,238,782.43  24,307,315.000     2,210,870.21    26,518,185.21     0.00       0.00    432,931,467.43


    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           5.578000 %
A2             .00000000          .00000000         .00000000      .00000000        .00000000       A2           5.729000 %
A3          441.85246037        75.72372274        2.11720972    77.84093246     366.12873763       A3           5.750000 %
A4        1,000.00000000          .00000000        4.83333335     4.83333335   1,000.00000000       A4           5.800000 %
B1        1,000.00000000          .00000000        5.04166669     5.04166669   1,000.00000000       B1           6.050000 %
TOTALS      420.87356305        22.37410007        2.03503478    24.40913484     398.49946298

IF THERE ARE ANY QUESTIONS OR PROBLEMS WITH THIS STATEMENT, PLEASE CONTACT THE ADMINISTRATOR LISTED BELOW:
Kimberly Costa
The Chase Manhattan Bank - Structured Finance Services
450 W. 33rd Street, 14th Floor,
New York, New York 10001
Tel: (212) 946-3247
Email: kimberly.k.costa@chase.com

                                                                                      (C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION






                                                                                                                              Page 2
Chase Manhattan Auto Owner Trust 1998-B
                                                                     April 17 2000
                                                STATEMENT TO CERTIFICATEHOLDERS
                                                                                                            
                                                                     Due Period                                                  24
                                                                     Due Period Beginning Date                             03/01/00
                                                                     Due Period End Date                                   03/31/00
                                                                     Determination Date                                    04/10/00

Section 5.8(iii)          Servicing Fee                                                                                  381,032.32
Section 5.8(iii)          Servicing Fee per $1000                                                                        0.35072797

Section 5.8(iv)           Administration Fee                                                                               1,000.00
Section 5.8(iv)           Administration Fee per $1000                                                                   0.00092047

Section 5.8(vi)           Pool Balance at the end of the Collection Period                                           432,931,467.43

Section 5.8(vii)          Repurchase Amounts for Repurchased Receivable
                          By Seller                                                                                            0.00
                          By Servicer                                                                                    114,840.70
                          TOTAL                                                                                          114,840.70

Section 5.8(viii)         Realized Net Losses for Collection Period                                                      292,250.96

Section 5.8(ix)           Reserve Account Balance after Disbursement                                                  12,987,944.02

Section 5.8(x)            Specified Reserve Account Balance                                                           12,987,944.02

Section 5.8(xi)           Total Distribution Amount                                                                   27,416,500.22
                          Servicing Fee                                                                                  381,032.32
                          Administration Fee                                                                               1,000.00
                          Noteholders Distribution Amount                                                             26,353,805.99

                                                                                      (C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION






                                                                                                                              Page 3
Chase Manhattan Auto Owner Trust 1998-B
                                                                     April 17 2000
                                                                                                                      
                          Certficateholders Distribution Amount                                                          164,379.22
                          Deposit to Reserve Account                                                                     516,282.69













                                                                                      (C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION