FIFTH THIRD BANK AUTO TRUST 1996-A
8-K, 1998-02-24
ASSET-BACKED SECURITIES
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                                              Fifth Third Bank Auto Trust 1996-A

                       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) February 17, 1998

                              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.)

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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)

                                                 /s/ Roger W. Dean            
Date:  February 23, 1998                         -----------------------------
                                                 Roger W. Dean, Controller


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                                                                      Exhibit 20

FIFTH THIRD BANK AUTO RECEIVABLES TRUST 1996-A
Monthly Statement to Certificateholders
Servicer:  The Fifth Third Bank
Trustee:  Harris Trust and Savings Bank


<TABLE>
<CAPTION>
                                                Collection Period:                              1-Jan-98           31-Jan-98
                                                Distribution Date:                             17-Feb-98


                                                                                                                
                                                                                                                 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
                                                                                                               ------------------
<S>                                                                                        <C>                     <C>         
(i)    Principal Distribution
           Class A Certificate Amount                                                     $   7,537,183.69       $  19.32579900
           Class B Certificate Amount                                                     $     355,155.25       $  19.32502177

(ii)   Interest Distribution
           Class A Certificate Amount                                                     $     720,677.16       $   1.84786022
           Class B Certificate Amount                                                     $      34,784.10       $   1.89270323

(iii)  Servicing Fee                                                                      $     121,716.06       $   0.29804293

(iv)   Class A Certificate Balance (after principal distributions)                        $ 131,948,717.87
       Class A Pool Factor (after principal distributions)                                       0.3383246
       Class B Certificate Balance (after principal distributions)                        $   6,218,217.84
       Class B Pool Factor (after principal distributions)                                       0.3383512

(v)    Total Pool Balance (end of Collection Period)                                      $ 138,166,935.62


                                                                                           Current Period          Cumulative
                                                                                          ----------------       ---------------

(vi)   Defaulted Receivables                                                              $     254,076.50       $ 10,776,334.78
       Liquidation Proceeds                                                                     170,334.86          4,911,163.95
                                                                                          ================       ===============
       Aggregate Net Losses                                                               $      83,741.64       $  5,865,170.83
                                                                                          ================       ===============

(vii)  Aggregate Principal Balance of Receivables
         Repurchased by Seller or Servicier:
           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)                                                      $   6,125,764.72

(x) Specified Reserve Account Balance (after giving effect to payments
           made on the Distribution Date)                                                 $   6,125,764.72

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