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: October 18, 1996
                     ---------------------------------------


                            THE CHASE MANHATTAN BANK
         (successor to The Chase Manhattan Bank (National Association))
         --------------------------------------------------------------
                  (Originator of the Trust referred to herein)
             (Exact name of registrant as specified in its charter)


                  CHASE MANHATTAN HOME EQUITY LOAN TRUST 1995-1
                  --------------------------------------------
                      (Issuer with respect to Cerificates)


       NEW YORK              33-93570                13-2633612
      ---------------     -----------------       ------------------
      (State or other      (Commission            (IRS Employer
      jurisdiction of      File Number)           Identification No.)
      incorporation)


        270 Park Avenue, New York, New York             10017
      -------------------------------------------       ----------
      (Address of principal executive offices)          (Zip code)


                                (212) 270-6000
                ---------------------------------------------------
                (Registrant's telephone number, including area code)

<PAGE>

Item 5. Other Events

     On 10/15/1996,  Chase Manhattan Home Equity Loan Trust 1995-1 (the "Trust")
made the  distribution to  Certificateholders  contemplated  by the Pooling and
Servicing Agreement, dated as of September 1, 1995, between The Chase Manhattan
Bank, as Seller and Servicer, and Norwest Bank Minnesota,  National Association,
as Trustee.

A copy of the Certificateholder  Report for such  Distribution  Date  delivered
pursuant to section 5.03 of the Pooling and Servicing  Agreement is being filed
as an exhibit to this Current Report on Form 8-K.



Item 7 (c).     Exhibits
                --------

20.1            Monthly Certificateholders statement with respect to the
                October 15, 1996 distribution.


<PAGE>
                              SIGNATURES
                              ----------



      Pursuant to the  requirements of the Securities  Exchange Act of 1934, the
Bank has  caused  this  report  to be signed  on its  behalf by the  undersigned
thereunto duly authorized.



                                   THE CHASE MANHATTAN BANK

                                      
                                    /s/ William J. Murray
                                    -----------------------------
                                    By:    William J. Murray
                                    Title: Vice President


Date: October 18, 1996

<PAGE>

                                        INDEX TO EXHIBITS
                                        -----------------

                                                                                
   Exhibit               Description                             Page
   -------               -----------                             ----

     20.1           Certificateholder Report dated                  5
                    10/15/1996 delivered pursuant to 
                    Section 5.03 of the  Pooling  and   
                    Servicing Agreement as of
                    September 1, 1995.
[{"type": "8-K", "sequence": "1", "description": "FORM 8-K AS OF 10/18/96", "secsgml_size_bytes": 3682}]
{"company-data": {"conformed-name": "CHASE MANHATTAN BANK /NY/", "cik": "0000835271", "assigned-sic": "6189", "irs-number": "134994650", "state-of-incorporation": "NY", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "033-22687", "film-number": "96645304"}, "business-address": {"street1": "270 PARK AVE", "city": "NEW YORK", "state": "NY", "zip": "10017", "phone": "2122706000"}, "mail-address": {"street1": "270 PARK AVE", "city": "NEW YORK", "state": "NY", "zip": "10017"}, "former-company": {"former-conformed-name": "CHEMICAL BANK", "date-changed": "19930521"}}
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: October 18, 1996
                     ---------------------------------------

                            THE CHASE MANHATTAN BANK
         (successor to The Chase Manhattan Bank (National Association))
         --------------------------------------------------------------
                  (Originator of the Trust referred to herein)
             (Exact name of registrant as specified in its charter)

                  CHASE MANHATTAN HOME EQUITY LOAN TRUST 1995-1
                  --------------------------------------------
                      (Issuer with respect to Cerificates)

       NEW YORK              33-93570                13-2633612
      ---------------     -----------------       ------------------
      (State or other      (Commission            (IRS Employer
      jurisdiction of      File Number)           Identification No.)
      incorporation)

        270 Park Avenue, New York, New York             10017
      -------------------------------------------       ----------
      (Address of principal executive offices)          (Zip code)

                                (212) 270-6000
                ---------------------------------------------------
                (Registrant's telephone number, including area code)
Item 5. Other Events

     On 10/15/1996,  Chase Manhattan Home Equity Loan Trust 1995-1 (the "Trust")
made the  distribution to  Certificateholders  contemplated  by the Pooling and
Servicing Agreement, dated as of September 1, 1995, between The Chase Manhattan
Bank, as Seller and Servicer, and Norwest Bank Minnesota,  National Association,
as Trustee.

A copy of the Certificateholder  Report for such  Distribution  Date  delivered
pursuant to section 5.03 of the Pooling and Servicing  Agreement is being filed
as an exhibit to this Current Report on Form 8-K.

Item 7 (c).     Exhibits
                --------

20.1            Monthly Certificateholders statement with respect to the
                October 15, 1996 distribution.
SIGNATURES
                              ----------

      Pursuant to the  requirements of the Securities  Exchange Act of 1934, the
Bank has  caused  this  report  to be signed  on its  behalf by the  undersigned
thereunto duly authorized.

                                   THE CHASE MANHATTAN BANK

                                      
                                    /s/ William J. Murray
                                    -----------------------------
                                    By:    William J. Murray
                                    Title: Vice President

Date: October 18, 1996
INDEX TO EXHIBITS
                                        -----------------

                                                                                
   Exhibit               Description                             Page
   -------               -----------                             ----

     20.1           Certificateholder Report dated                  5
                    10/15/1996 delivered pursuant to 
                    Section 5.03 of the  Pooling  and   
                    Servicing Agreement as of
                    September 1, 1995.