BANC ONE AUTO GRANTOR TRUST 1997-B
8-K, 2000-11-20
ASSET-BACKED SECURITIES
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<PAGE>

                       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):              NOVEMBER 20, 2000
                                                               -----------------

                       BANC ONE AUTO GRANTOR TRUST 1997-B
--------------------------------------------------------------------------------
                    (Issuer with respect to the Certificates)

                              BANK ONE, TEXAS, N.A.
--------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)

                                  UNITED STATES
                                  -------------
         (State or other jurisdiction of incorporation or organization)

               333-38681                         75-2270994
               ---------                         ----------
      (Commission File Number)       (IRS Employer Identification Number)

1717 MAIN STREET, DALLAS, TEXAS                                         75201
--------------------------------------------------------------------------------
(Address of principal executive offices)                              (Zip Code)

                (214) 290-7437
--------------------------------------------------
Registrant's telephone number, including area code

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ITEM 5.    OTHER EVENTS

           On November 20, 2000, the Banc One Auto Grantor Trust 1997-B
           (the "Trust") made a regular monthly distribution of principal
           and/or interest to holders of the Trust's Class A 6.29% Asset
           Backed Certificates and Class B 6.46% Asset Backed
           Certificates. Exhibit 99.1 of this Form 8-K, the Monthly
           Statement and certain additional information, was distributed
           to the Certificateholders of record.

           This report on Form 8-K is being filed in accordance with a
           no-action letter dated August 16, 1995 issued by the staff of
           the Division of Corporate Finance of the Securities and
           Exchange Commission to Bank One, Texas, N.A., as originator
           and servicer of Banc One Auto Trust 1995-A. Consistent with
           such no-action letter, the Trust is hereby filing the Monthly
           Statement and certain additional information reflecting the
           Trust's activities for the Interest Period from October 20,
           2000 through November 19, 2000 and for the Collection Period
           from October 1, 2000 through October 31, 2000.

ITEM 7.    EXHIBITS

           See page 4 for Exhibit Index.

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                            SIGNATURE

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.

                            BANC ONE AUTO GRANTOR TRUST 1997-B

                            By:   Bank One, Texas, N.A., as Servicer
                                    on behalf of the Trust



                            By: /s/ Tracie H. Klein
                                ------------------------------------
                            Name:  Tracie H. Klein
                            Title: Vice President

Date:  November 20, 2000
       -----------------

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EXHIBIT INDEX

<TABLE>
<CAPTION>

Exhibit           Description                                                             Page
-------           -----------                                                             ----
<S>               <C>                                                                     <C>
99.1              Monthly Statement and Additional Information............................5-13
</TABLE>



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