Page 1
Chase Manhattan Auto Owner Trust 1997-A

                         Statement to Certificateholders
                                December 15 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           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              0.00              0.00           0.00            0.00     0.00        0.00             0.00
A5            85,500,000.00     75,016,017.79     10,376,808.16     406,336.76   10,783,144.92     0.00        0.00    64,639,209.63
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    110,169,735.92     10,376,808.16     601,146.95   10,977,955.11     0.00        0.00    99,792,927.76


    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              0.00000000         0.00000000      0.00000000       0.00000000         0.00000000         A4           6.400000%
A5            877.38032503       121.36617731      4.75247673     126.11865404       756.01414772         A5           6.500000%
B1          1,000.00000000         0.00000000      5.54166672       5.54166672     1,000.00000000         B1           6.650000%
TOTALS         94.10958528         8.86411413      0.51351389       9.37762802        85.24547115



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 1997-A

                        Statement to Certificateholders

                                December 15 2000



                                   Due Period                                            45
                                   Due Period Beginning Date                       11/01/00
                                   Due Period End Date                             11/30/00
                                   Determination Date                              12/08/00
                                                                            
Section 5.8(iii)     Servicing Fee                                                 91,808.11
Section 5.8(iii)     Servicing Fee per $1000                                      0.07842465

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          99,792,927.76

Section 5.8(vii)     Repurchase Amounts for Repurchased Receivable
                     By Seller                                                          0.00
                     By Servicer                                                  142,863.03
                     TOTAL                                                        142,863.03

Section 5.8(viii)    Realized Net Losses for Collection Period                     77,103.68

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                                 11,141,965.12
                     Servicing Fee                                                 91,808.11
                     Administration Fee                                             1,000.00
                     Noteholders Distribution Amount                           10,783,144.92
                     Certficateholders Distribution Amount                        194,810.19
                     Deposit to Reserve Account                                    71,201.90



                                  (C)COPYRIGHT 1999, CHASE MANHATTAN CORPORATION