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UNITED STATES
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 January 15, 1999
Commission File Number 33-92836
FIRST SECURITY AUTO GRANTOR TRUST 1995-A
(Exact name of registrant as specified in its charter)
State of incorporation Utah
I.R.S. Employer Identification No. 36-7153652
Address of principal executive offices 79 South Main, P.O. Box 30006
Salt Lake City, Utah
Zip Code 84130-0006
Registrant's telephone number, including area code (801) 246-5891
Item 7. Financial Statements and Exhibits
Pursuant to its agreement with certificate holders, this report is filed to
report data relating to this trust as contained in the monthly servicing report
sent to certificate holders by the trustee. Attached as Exhibit A is a copy of
the monthly servicing report for the period Nov. 26, 1998 through Dec. 25, 1998.
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, thereunto duly authorized.
FIRST SECURITY AUTO GRANTOR TRUST 1995-A
(Registrant)
By: FIRST SECURITY BANK, N.A.
(Seller and Servicer)
/s/ Brad D. Hardy January 15, 1999
__________________________________________________________ __________________
Brad D. Hardy (Date)
Authorized Officer
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EXHIBIT A
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First Security Auto Grantor Trust 1995-A
Monthly Statement to Certificateholders
Servicer: First Security Bank, N.A.
November 26, 1998 Thru December 25,1998
Distribution Date: 01-15-99
Statement for Class A and Class B Certificateholders Pursuant Per $1,000 of Original
to Section 4.7 of the Pooling and Servicing Agreement Class A/Class B
Certificate Amount
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(i) Principal Distribution
Class A Amount 1,112,038.16 4.6411
Class B Amount 52,399.70 4.6408
(ii) Interest Distribution
Class A Amount 65,631.03 0.2739
Class B Amount 3,095.51 0.2742
(iii) Yield Supplement Amount 0.00 0.0000
(iv) Basic Servicing Fee 10,996.25 0.0438
First Security Bank, N.A., formerly:
First Security Bank Of Utah, N.A. 4,828.15 0.0192
First Security Bank Of Idaho, N.A. 6,168.10 0.0246
(v) Class A Certificate Balance (end of Collection Period) 11,489,119.96
Class A Pool Factor (end of Collection Period) 0.0479496
Class B Certificate Balance (end of Collection Period) 541,937.60
Class B Pool Factor (end of Collection Period) 0.0479973
(vi) Total Pool Balance (end of Collection Period) 12,031,057.56
(vii) Realized Losses 31,812.90
(viii) (x) Excess of Class A Certificate Balance over Pool Balance 0.00
(y) Excess of Class B Certificate Balance over amount by which Pool Balance exceeds 0.00
Class A Certificate Balance
(ix) Reserve Account Balance after Giving Effect to Payments 4,973,929.89
Made on Distribution Date
(x) Aggregate Purchase Amount of Receivables Repurchased by the Sellers
or purchased by Servicer 0.00
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