UNITED STATES
                       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):     January 18, 2005

                    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           (IRS Employer
     of incorporation)              File Number)        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           (IRS Employer
     of incorporation)              File Number)        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


- -------------------------------------------------------------
(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

|_|    Written communications pursuant to Rule 425 under the Securities Act
       (17 CFR 230.425)

|_|    Soliciting material pursuant to Rule 14a-12 under the Exchange Act
       (17 CFR 240.14a-12)

|_|    Pre-commencement communications pursuant to Rule 14d-2(b) under the
       Exchange Act (17 CFR 240.14d-2(b))

|_|    Pre-commencement communications pursuant to Rule 13e-4(c) under the
       Exchange Act (17 CFR 240.13e-4(c))


SECTION 8 - OTHER EVENTS

Item 8.01 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 or about  January 18,  2005,  CIT, as  servicer,  made the  distributions  to
holders of Chase  Manhattan  Marine Owner Trust 1997-A notes as  contemplated by
the Sale and Servicing Agreement.

Copies of the  monthly  reports  for each  class of notes  with  respect to such
distributions  delivered pursuant to the Sale and Servicing  Agreement are being
filed as exhibits to this Current Report on Form 8-K.

SECTION 9 - FINANCIAL STATEMENTS AND EXHIBITS

Item 9.01 Financial Statements and Exhibits.

(c) Exhibits.

Exhibit No.   Description
- -----------   -----------

 99.1         Monthly Reports with respect to the January 18, 2005 distribution.


                                   SIGNATURES

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.

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


                                            By: /s/  William G. Delaney
                                                -------------------------------
                                            Name: William G. Delaney
                                            Title: Vice President
                                            Date: January 18, 2005


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

Exhibit No.   Description
- -----------   -----------

  99.1        Monthly Reports with respect to the distribution to holders of
              notes on January 18, 2005.