BANC ONE AUTO GRANTOR TRUST 1997-B
8-K, 2000-12-20
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):              December 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
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Registrant's telephone number, including area code

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Item 5.        Other Events

               On December 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 November 20,
               2000 through December 19, 2000 and for the Collection Period
               from November 1, 2000 through November 30, 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:  December 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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