<PAGE> 1
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 15, 1999
THE FIFTH THIRD BANK
------------------------------------------------------
(Exact name of registrant as specified in its charter)
Ohio 333-856 31-0854433
- ---------------------------- ----------- -------------------
(State or other jurisdiction (Commission (IRS Employer
of incorporation) File Number) Identification No.)
38 Fountain Square Plaza, Cincinnati, Ohio 45263
- ------------------------------------------ ----------
(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (513) 579-5300
------------------
Not Applicable
-------------------------------------------------------
(Former name or address, if changed since last report.)
<PAGE> 2
Item 5. Other Events
None.
Item 7. Financial Statements and Exhibits
Exhibit 20 - Monthly Servicing Report
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 Fifth Third Bank
(Registrant)
January 21, 1999
/s/ Roger W. Dean
-----------------------------
Roger W. Dean, Controller
<PAGE> 1
FIFTH THIRD BANK AUTO RECEIVABLES TRUST 1996-B EXHIBIT 20
Monthly Statement to Certificateholders
Servicer: The Fifth Third Bank
Trustee: Harris Trust and Savings Bank
<TABLE>
<CAPTION>
<S> <C> <C> <C>
Collection Period: 1-Dec-98 31-Dec-98
Distribution Date: 15-Jan-99
Per $1,000 of
Original
Statement for Class A and Class B Certificateholders Pursuant Class A/Class B
to Section 4.7 of the Pooling and Servicing Agreement Certificate Amount
-------------------
(i) Principal Distribution
Class A Certificate Amount $ 6,491,454.94 $ 16.91170492
Class B Certificate Amount $ 488,604.14 $ 16.91139900
(ii) Interest Distribution
Class A Certificate Amount $ 471,383.48 $ 1.22806033
Class B Certificate Amount $ 36,858.61 $ 1.27573757
(iii) Servicing Fee $ 78,584.00 $ 0.19039778
(iv) Class A Certificate Balance (after principal distributions) $81,207,797.28
Class A Pool Factor (after principal distributions) 0.2115646
Class B Certificate Balance (after principal distributions) $ 6,112,937.77
Class B Pool Factor (after principal distributions) 0.2115789
(v) Total Pool Balance (end of Collection Period) $87,320,735.05
Current Period Cumulative
------------------- -----------------
(vi) Defaulted Receivables $ 198,900.81 $7,516,528.97
Liquidation Proceeds 121,971.55 3,585,853.97
=================== =================
Aggregate Net Losses $ 76,929.26 $3,930,675.00
=================== =================
(vii) Aggregate Principal Balance of Receivables
Repurchased by Seller or Servicer:
Principal Portion $ --
Interest Portion $ --
(viii) Class A Interest Carryover Shortfall $ --
Class B Interest Carryover Shortfall $ --
Class A Principal Carryover Shortfall $ --
Class B Principal Carryover Shortfall $ --
(ix) Reserve Account Balance (after giving effect to payments made
on the Distribution Date) $ 6,191,038.65
(x) Specified Reserve Account Balance (after giving effect to payments
made on the Distribution Date) $ 6,191,038.65
</TABLE>
