Chase Manhattan Auto Owner Trust 1997-A
                         Statement to Certificateholders
                                December 15, 1999




                                             DISTRIBUTION IN DOLLARS
           ORIGINAL           PRIOR                                                                              CURRENT
             FACE           PRINCIPAL                                                  REALIZED   DEFERRED      PRINCIPAL
  CLASS      VALUE           BALANCE        PRINCIPAL      INTEREST        TOTAL        LOSSES    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  163,940,893.78  17,898,274.53    874,351.43  18,772,625.96     0.00       0.00      146,042,619.25
   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  284,594,611.91  17,898,274.53  1,532,286.62  19,430,561.15     0.00       0.00      266,696,337.38



              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       0.00000000    0.00000000  0.00000000    0.00000000      0.00000000      A1    5.545000%
   A2       0.00000000    0.00000000  0.00000000    0.00000000      0.00000000      A2    5.950000%
   A3       0.00000000    0.00000000  0.00000000    0.00000000      0.00000000      A3    6.250000%
   A4     993.58117442  108.47439109  5.29909958  113.77349067    885.10678333      A4    6.400000%
   A5   1,000.00000000    0.00000000  5.41666667    5.41666667  1,000.00000000      A5    6.500000%
   B1   1,000.00000000    0.00000000  5.54166672    5.54166672  1,000.00000000      B1    6.650000%
 TOTALS   243.10742579   15.28912799  1.30891535   16.59804334    227.81829780


           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

[X]                    (Copyright) COPYRIGHT 1999, CHASE MANHATTAN CORPORATION




                     Chase Manhattan Auto Owner Trust 1997-A
                                December 15, 1999
                         STATEMENT TO CERTIFICATEHOLDERS

                                       Due Period                         33
                                       Due Period Beginning Date    11/01/99
                                       Due Period End Date          11/30/99
                                       Determination Date           12/10/99

 Section 5.8(iii)      Servicing Fee                                  237,162.18

 Section 5.8(iii)      Servicing Fee per $1000                        0.20258952

 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                        266,696,337.38

 Section 5.8(vii)      Repurchase Amounts for Repurchased Receivable

                       By Seller                                            0.00

                       By Servicer                                    188,861.05

                       TOTAL                                          188,861.05

 Section 5.8(viii)     Realized Net Losses for Collection Period      152,423.84

 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                   19,980,055.14

                       Servicing Fee                                  237,162.18

                       Administration Fee                               1,000.00

                       Noteholders Distribution Amount             19,235,750.96

                       Certficateholders Distribution Amount          194,810.19

                       Deposit to Reserve Account                     311,331.81

[X]                    (Copyright) COPYRIGHT 1999, CHASE MANHATTAN CORPORATION