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 (Date of earliest event reported):
                -------------------------------------------------
                                  May 15, 1997


                      Banc One Auto Grantor Trust 1996 - B
                     ----------------------------------------
                    (Issuer with respect to the Certificates)

                            Banc One ABS Corporation
             ------------------------------------------------------
             (Exact name of registrant as specified in its charter)



                                      Ohio
                  ---------------------------------------------
                  (State or other jurisdiction of organization)



                   333-3457                         31-1467431
             -----------------------   ------------------------------------
             (Commission File Number)  (IRS Employer Identification Number)



       c/o Bank One, Arizona, N.A., as Servicer, 201 North Central Avenue,

                     Attn: Tom Lewis, Phoenix, Arizona 85004
               ---------------------------------------------------
               (Address of Principal Executive Offices) (Zip Code)



               Registrant's telephone number, including area code:
               ---------------------------------------------------
                                 (602) 221-3704







Item 5.           Other Events

                  On May 15, 1997, the Banc One Auto Grantor Trust 1996-B (the
                  "Trust") made a regular monthly distribution of principal
                  and/or interest to holders of the Trust's Class A 6.55% Asset
                  Backed Certificates and Class B 6.70% Asset Backed
                  Certificates. Exhibit 99.1 of this Form 8-K, the Monthly
                  Statement and certain additional information, was distributed
                  to the Certificateholders of record.

                  This report on Form 8-K is being filed in accordance with a
                  no-action letter dated August 16, 1995 issued by the staff of
                  the Division of Corporation Finance of the Securities and
                  Exchange Commission to Bank One,Texas, N.A., as originator and
                  servicer of Bank One Auto Trust 1995-A. Consistent with such
                  no-action letter, the Trust is hereby filing the Monthly
                  Statement and certain additional information reflecting the
                  Trust's activities for the Interest Period from April 15, 1997
                  through May 14, 1997 and for the Collection Period from April
                  1, 1997 through April 30, 1997.

Item 7.           Exhibits

                  See page 5 for Exhibit Index










                                   SIGNATURE



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


                               BANC ONE AUTO GRANTOR TRUST 1996-B

                               By: Bank One, Arizona, N.A., as Servicer on ...
                               behalf of the Trust


Date: May 13, 1997             By:    /s/ Tom Lewis                          
                                      -----------------------   
                               Name:  Tom Lewis                 
                                                                
                               Title: Vice President            
                                                                
                              





EXHIBIT INDEX


Exhibit           Description                                              Page


99.1              Monthly Statements and Additional Information............6-14








                             Servicer's Certificate
                            (Pursuant to Section 3.9
                          of the Pooling and Servicing
                         Agreement, dated June 1, 1996)



                           Banc One Auto Trust 1996-B



               Interest Period April 15, 1997 through May 14, 1997

             Collection Period April 1, 1997 through April 30, 1997




The undersigned officer of Bank One, Arizona, N.A., pursuant to the Pooling and
Servicing Agreement, as Servicer, does hereby certify to the best of his
knowledge and belief that the attached information is true and correct.




Signed by:    /s/ Tom Lewis                Attested:   /s/ Heather Smith
              -----------------------                  ----------------------
              Tom Lewis                                Accounting Specialist
              Vice President                           Bank One, Arizona,
                                                       N.A.
              Bank One, Arizona, N.A.