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: July 15, 2004

                    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 July 15, 2004, 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
                                    July 15, 2004 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: July 15, 2004

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



                                        By: /s/ William G. Delaney
                                            -------------------------------
                                        Name:  William G. Delaney
                                        Title: Vice President



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

Exhibit No.                            Description
- -----------                            -----------
20.1                                   Monthly Report with respect to the
                                       July 15, 2004 distribution