Chase Manhattan Auto Owner Trust 1997-B

                         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     200,000,000.00             0.00            0.00           0.00            0.00    0.00      0.00               0.00
   A2     294,000,000.00             0.00            0.00           0.00            0.00    0.00      0.00               0.00
   A3     227,000,000.00    49,895,197.19   15,973,649.96     264,028.75   16,237,678.71    0.00      0.00      33,921,547.23
   A4     133,000,000.00   133,000,000.00            0.00     720,416.67      720,416.67    0.00      0.00     133,000,000.00
   A5      70,000,000.00    70,000,000.00            0.00     385,000.00      385,000.00    0.00      0.00      70,000,000.00
   B1      29,148,275.79    29,148,275.79            0.00     163,959.05      163,959.05    0.00      0.00      29,148,275.79
- -----------------------------------------------------------------------------------------------------------------------------
 TOTALS   953,148,275.79   282,043,472.98   15,973,649.96   1,533,404.47   17,507,054.43    0.00      0.00     266,069,823.02
- -----------------------------------------------------------------------------------------------------------------------------




- ---------------------------------------------------------------------------------       ------------------
                  FACTOR INFORMATION PER $1000 OF ORIGINAL FACE                         PASS-THROUGH RATES
- ---------------------------------------------------------------------------------       ------------------
               PRIOR                                                   CURRENT                    CURRENT
             PRINCIPAL                                                PRINCIPAL                  PASS-THRU
 CLASS        FACTOR        PRINCIPAL    INTEREST        TOTAL          FACTOR          CLASS       RATE
- ---------------------------------------------------------------------------------       ------------------
                                                                            
   A1        0.00000000    0.00000000   0.00000000    0.00000000       0.00000000         A1     5.744000%
   A2        0.00000000    0.00000000   0.00000000    0.00000000       0.00000000         A2     6.100000%
   A3      219.80263079   70.36850203   1.16312225   71.53162427     149.43412877         A3     6.350000%
   A4    1,000.00000000    0.00000000   5.41666669    5.41666669   1,000.00000000         A4     6.500000%
   A5    1,000.00000000    0.00000000   5.50000000    5.50000000   1,000.00000000         A5     6.600000%
   B1    1,000.00000000    0.00000000   5.62499995    5.62499995   1,000.00000000         B1     6.750000%
- ---------------------------------------------------------------------------------       ------------------
 TOTALS    295.90723725   16.75883004   1.60877852   18.36760856     279.14840721
- ---------------------------------------------------------------------------------


- --------------------------------------------------------------------------------
           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-B

                                December 15, 1999



                                                                   
                         STATEMENT TO CERTIFICATEHOLDERS

                            Due Period                                                30

                            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                                              235,036.23

 Section 5.8(iii)  Servicing Fee per $1000                                    0.24658937

 Section 5.8(iv)   Administration Fee                                           1,000.00

 Section 5.8(iv)   Administration Fee per $1000                               0.00104915

 Section 5.8(vi)   Pool Balance at the end of the Collection Period       266,069,823.02

 Section 5.8(vii)  Repurchase Amounts for Repurchased Receivable

                   By Seller                                                        0.00

                   By Servicer                                                113,712.50

                   TOTAL                                                      113,712.50

 Section 5.8(viii) Realized Net Losses for Collection Period                  225,824.65

 Section 5.8(ix)   Reserve Account Balance after Disbursement               7,982,094.69

 Section 5.8(x)    Specified Reserve Account Balance                        7,982,094.69

 Section 5.8(xi)   Total Distribution Amount                               18,026,937.76

                   Servicing Fee                                              235,036.23

                   Administration Fee                                           1,000.00

                   Noteholders Distribution Amount                         17,343,095.38

                   Certficateholders Distribution Amount                      163,959.05

                   Deposit to Reserve Account                                 283,847.10



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