FIFTH THIRD BANK AUTO TRUST 1996-A
8-K, 1999-03-26
ASSET-BACKED SECURITIES
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                       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) March 15, 1999

                                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.

                                                       Fifth Third Bank
                                                       (Registrant)


March 26, 1999                                         /s/ Roger W. Dean
                                                       -------------------------
                                                       Roger W. Dean, Controller

























































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<CAPTION>



FIFTH THIRD BANK AUTO RECEIVABLES TRUST 
1996-A                                                                                                          Exhibit 20
Monthly Statement to Certificateholders
Servicer: Fifth Third Bank
Trustee:  Harris Trust and Savings Bank


              Collection Period:                  1-Feb-99             28-Feb-99
              Distribution Date:                 15-Mar-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
                                                                                                           ------------------
<S>                                                                            <C>                       <C>
(i)    Principal Distribution
           Class A Certificate Amount                                             $     4,514,753.32       $    11.57610306
           Class B Certificate Amount                                             $       212,737.07       $    11.57563772

(ii)   Interest Distribution
           Class A Certificate Amount                                             $       284,142.64       $     0.72855907
           Class B Certificate Amount                                             $        13,716.76       $     0.74636848

(iii)  Servicing Fee                                                              $        47,989.58       $     0.11751083

(iv)   Class A Certificate Balance (after principal distributions)                $    50,480,596.92
       Class A Pool Factor (after principal distributions)                                 0.1294353
       Class B Certificate Balance (after principal distributions)                $     2,379,405.85
       Class B Pool Factor (after principal distributions)                                 0.1294703

(v)    Total Pool Balance (end of Collection Period)                              $    52,860,002.77

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

(vi)   Defaulted Receivables                                                      $        167,120.77       $ 13,741,782.35
       Liquidation Proceeds                                                                211,767.40          7,509,430.59
                                                                                   -------------------   ------------------
       Aggregate Net Losses                                                       $        (44,646.63)      $  6,232,351.76
                                                                                   ===================   ==================

(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)                                              $     6,125,764.72

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