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):
                                  August 15, 1996


                      Banc One Auto Grantor Trust 1996 - A
                    (Issuer with report to the Certificates)

                              Bank One, Texas, N.A.
             (Exact name of registrant as specified in its charter)



                                  United States
                  (State or other jurisdiction of organization)


                 333-1092
                333-1092-01                     75-2270994
          (Commission File Number) (IRS Employer Identification Number)



            c/o Bank One, Texas, N.A., as Servicer, 1717 Main Street,
                     Attn: Jeff Stewart, Dallas, Texas 75201
               (Address of Principal Executive Offices) (Zip Code)



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



<PAGE>



Item 5.           Other Events

     On August 15, 1996,  the Banc One Auto Grantor  Trust 1996-A (the  "Trust")
made a regular monthly  distribution of principal  and/or interest to holders of
the Trust's  Class A 6.10%  Asset  Backed  Certificates  and Class B 6.25% 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  Corporation
Finance of the Securities and Exchange  Commission to Bank One, Texas,  N.A., as
originator  and  servicer of Bank 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 July 15, 1996 through  August 14, 1996 and for the  Collection  Period from
July 1, 1996 through July 31, 1996.

Item 7.           Exhibits

                  See page 4 for Exhibit Index



<PAGE>



                                 EXHIBIT INDEX


Exhibit           Description                                              Page


99.1  Monthly Statements and Additional Information....................... 5-13






<PAGE>



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 1996-A

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


Date: August 9, 1996  By:   /s/Jeff Stewart

                            Title: Vice President
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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):
                                  August 15, 1996

                      Banc One Auto Grantor Trust 1996 - A
                    (Issuer with report to the Certificates)

                              Bank One, Texas, N.A.
             (Exact name of registrant as specified in its charter)

                                  United States
                  (State or other jurisdiction of organization)

                 333-1092
                333-1092-01                     75-2270994
          (Commission File Number) (IRS Employer Identification Number)

            c/o Bank One, Texas, N.A., as Servicer, 1717 Main Street,
                     Attn: Jeff Stewart, Dallas, Texas 75201
               (Address of Principal Executive Offices) (Zip Code)

               Registrant's telephone number, including area code:
                                 (214) 290-7437
Item 5.           Other Events

     On August 15, 1996,  the Banc One Auto Grantor  Trust 1996-A (the  "Trust")
made a regular monthly  distribution of principal  and/or interest to holders of
the Trust's  Class A 6.10%  Asset  Backed  Certificates  and Class B 6.25% 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  Corporation
Finance of the Securities and Exchange  Commission to Bank One, Texas,  N.A., as
originator  and  servicer of Bank 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 July 15, 1996 through  August 14, 1996 and for the  Collection  Period from
July 1, 1996 through July 31, 1996.

Item 7.           Exhibits

                  See page 4 for Exhibit Index
EXHIBIT INDEX

Exhibit           Description                                              Page

99.1  Monthly Statements and Additional Information....................... 5-13
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 1996-A

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

Date: August 9, 1996  By:   /s/Jeff Stewart

                            Title: Vice President