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, 2002

                    CHASE MANHATTAN MARINE OWNER TRUST 1997-A
                             (Issuer of securities)

                 CHASE MANHATTAN BANK USA, NATIONAL ASSOCIATION
             (Exact name of registrant as specified in its charter)



                                                                
         United States                         333-32737                 22-2382028
- ------------------------------        -------------------------       ---------------------
(State or other jurisdiction          (Commission File Number)            (IRS Employer
of incorporation)                                                      Identification No.)


           White Clay Center, Building 200, Newark, DE            19711
           ----------------------------------------------       ----------
           (Address of principal executive offices)             (Zip Code)

Registrant's telephone number, including area code:  (302) 575-5000

              JPMORGAN CHASE BANK (f/k/a The Chase Manhattan Bank)
             (Exact name of registrant as specified in its charter)


                                                                
         New York                              333-32737                    13-4994650
- ------------------------------        ------------------------        ---------------------
(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





Item 5.  Other Events:


         Chase Manhattan Marine Owner Trust 1997-A is the issuer of 8 classes of
Asset Backed Notes. The notes are serviced in accordance with the Sale and
Servicing Agreement, dated as of October 1, 1997, as amended. The parties to the
Sale and Servicing Agreement are: Chase Manhattan Bank USA, National
Association, as a seller, JPMorgan Chase Bank (f/k/a The Chase Manhattan Bank),
as seller, and The CIT Group/Sales Financing, Inc., as servicer.

         On November 15, 2002, CIT as servicer, distributed monthly interest to
the holders of the notes. CIT furnished copies of the monthly reports for each
class of notes as required by the Sale and Servicing Agreement. Copies of those
monthly reports are being filed as Exhibit 20.1 to this Current Report on Form
8-K.

Item 7(c).  Exhibits


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

                    20.1                Monthly Report with respect to the
                                        November 15, 2002 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 15, 2002

                                          THE CIT GROUP/SALES FINANCING, INC.,
                                            as Servicer



                                          By: /s/ Gilmar Rodrigues
                                              ---------------------------
                                          Name:    Gilmar Rodrigues
                                          Title:   Vice President





                                INDEX TO EXHIBITS
                                -----------------


Exhibit No.                        Description
- -----------                        -----------
20.1                               Monthly Report with respect to the
                                   November 15, 2002 distribution