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                       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: November 15, 1999


                 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 GRANTOR TRUST 1996-B
                    -----------------------------------------
                      (Issue with respect to Certificates)


         New York                        33-7575                 22-2382028
- ----------------------------    ------------------------    -------------------
(State or other jurisdiction    (Commission File Number)      (IRS Employer
     of incorporation)                                      Identification No.)

          270 Park Avenue, New York, New York                 10017
          ----------------------------------------          ----------
          (Address of principal executive offices)          (Zip Code)

Registrant's telephone number, including area code: (212) 270-6000
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Item 5.  Other Events:


         Chase Manhattan Auto Grantor Trust 1996-B is the issuer of two classes
of Automobile Loan Pass-Through Certificates. The certificates are serviced in
accordance with the Pooling and Servicing Agreement, dated as of September 1,
1996, as amended. The parties to the Pooling and Servicing Agreement are: Chase
Manhattan Bank USA, National Association, as seller and as servicer, and Norwest
Bank Minnesota, National Association, as trustee.

         On November 15, 1999, Chase, as servicer, distributed monthly interest
to the holders of the Series 1996-B certificates. Chase furnished a copy of the
monthly certificateholders' report for the series as required by the Pooling and
Servicing Agreement. A copy of the monthly certificateholders' report is being
filed as Exhibit 20.1 to this Current Report on Form 8-K.


Item 7(c).        Exhibit

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

                  20.1           Monthly Certificateholder's statements with
                                 respect to the November 15, 1999 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: November 30, 1999

                                            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              Certificateholder Report dated 11/15/1999 delivered pursuant
                  to Section 5.7 of the Pooling and Servicing Agreement dated as
                  of September 1, 1996.