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: March 17, 2003

                    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 March 17, 2003, 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 March 17, 2003
                             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: March 18, 2003

                                    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 March 17, 2003
                    distribution