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UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549


FORM 10-K


[X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended October 31, 1999

OR

[ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934

For the transition period from __________ to__________
----------
Commission File Number 33-50291
----------

NAVISTAR FINANCIAL RETAIL RECEIVABLES CORPORATION
on behalf of NAVISTAR FINANCIAL 1995-A OWNER
TRUST, NAVISTAR FINANCIAL 1995-B OWNER TRUST,
NAVISTAR FINANCIAL 1996-A OWNER TRUST,
NAVISTAR FINANCIAL 1996-B OWNER TRUST,
NAVISTAR FINANCIAL 1997-A OWNER TRUST,
NAVISTAR FINANCIAL 1997-B OWNER TRUST,
NAVISTAR FINANCIAL 1998-A OWNER TRUST AND
NAVISTAR FINANCIAL 1999-A OWNER TRUST
(Exact name of Registrant as specified in its charter)

Delaware 51-0337491
- ----------------------------------------- ----------------------------------
(State or other jurisdiction of (IRS Employer Identification No.)
incorporation or organization)


2850 West Golf Road
Rolling Meadows, Illinois 60008
- ----------------------------------------- ---------------------------------
(Address of principal executive offices) (Zip Code)

Registrant's telephone number, including area code (847) 734-4000

Securities registered pursuant to Section 12(b) of the Act: None

Securities registered pursuant to Section 12(g) of the Act: None

Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the preceding 12 months and (2) has been subject to such filing requirements for
the past 90 days. Yes X No





PART I


Item 1. Business

The Navistar Financial 1995-A Owner Trust, Navistar Financial 1995-B Owner
Trust, Navistar Financial 1996-A Owner Trust, Navistar Financial 1996-B Owner
Trust, Navistar Financial 1997-A Owner Trust, Navistar Financial 1997-B Owner
Trust, Navistar Financial 1998-A Owner Trust and Navistar Financial 1999-A Owner
Trust (the "Trusts") were formed pursuant to eight separate Trust Agreements
dated as of May 25, 1995; November 1, 1995; May 30, 1996; November 6, 1996; May
7, 1997; November 5, 1997; June 4, 1998 and June 3, 1999, respectively, among
Navistar Financial Retail Receivables Corporation, ("NFRRC"), as seller (the
"Seller") and Chase Manhattan Bank Delaware (formerly known as Chemical Bank
Delaware), as owner trustee (the "Trustee"). Retail notes (the "Retail Notes")
and security interests in the vehicles financed thereby were transferred to the
Trusts in exchange for fixed rate notes (the "Notes") and fixed rate
pass-through certificates (the "Certificates") which were registered on
Registration Statement Nos. 33-55865, 33-64249 and 333-62445 and sold to the
public in reliance on Rule 415 under the Securities Act of 1933.

NFRRC is a wholly-owned subsidiary of Navistar Financial Corporation.
Pursuant to a Pooling and Servicing Agreement (the "Agreement") for each Trust,
Navistar Financial Corporation acts as servicer (the "Servicer") and, in that
capacity, manages, services, administers and makes collections on the Retail
Notes. Each Agreement provides that collections shall be distributed to
noteholders and certificateholders and otherwise used in accordance with the
priorities set forth therein. Pursuant to each Agreement, the Seller established
a reserve account as credit enhancement for each Trust. Amounts on deposit in
each reserve account after payments to security holders and the Servicer are
paid to the Seller to the extent that such amounts exceed a specified reserve
account target balance. The specified reserve account target balance cannot,
however, be less than a specified minimum of the initial aggregate receivables
balance for each Trust. There is no cross collateralization between the Trusts.

Item 2. Properties


Not applicable.

Item 3. Legal Proceedings


The registrant knows of no material pending legal proceedings involving
either the Retail Notes or the Trustee, or the Seller or Servicer in respect of
the Trusts.






PART I


Item 4. Submission of Matters to a Vote of Security Holders

No matter was submitted to a vote of holders of the Certificates during the
period of this report.


PART II


Item 5. Market for the Registrant's Common Equity and
Related Stockholder Matters

Not applicable.


Item 6. Selected Financial Data

Not applicable.


Item 7. Management's Discussion and Analysis of Financial
Condition and Results of Operations


As of October 31, 1999, balances in the Trusts were as follows:


Reserve
Principal Account
Dollar amounts in millions
- -------------------------------------------------------------------------------

Navistar Financial 1995-A Owner Trust $0.0 $0.0
Navistar Financial 1995-B Owner Trust $0.0 $0.0
Navistar Financial 1996-A Owner Trust $62.4 $9.7
Navistar Financial 1996-B Owner Trust $79.1 $9.7
Navistar Financial 1997-A Owner Trust $123.2 $10.5
Navistar Financial 1997-B Owner Trust $186.7 $10.0
Navistar Financial 1998-A Owner Trust $259.2 $13.6
Navistar Financial 1999-A Owner Trust $605.4 $31.6


Note: Balances include the effect of the November 1999 distribution in
accordance with the Owner Trust Agreements.





PART II


Item 7. Management's Discussion and Analysis of Financial
Condition and Results of Operations (cont'd.)

As of October 31, 1999, the aggregate shelf registration available to NFRRC
for issuance of asset-backed securities is $2,257 million.

During 1999, Navistar Financial 1995-A Owner Trust and Navistar Financial
1995-B Owner Trust were repurchased in February and October, respectively.


Item 8. Financial Statements and Supplementary Data

Not applicable.


Item 9. Changes in and Disagreements With Accountants on
Accounting and Financial Disclosure

None.

PART III


Item 10. Directors and Executive Officers of the Registrant

Not applicable.


Item 11. Executive Compensation

Not applicable.


Item 12. Security Ownership of Certain Beneficial Owners and Management

Not applicable.


Item 13. Certain Relationships and Related Transactions

Not applicable.






PART IV


Item 14. Exhibits, Financial Statement Schedules and Reports on Form 8-K

(a) Exhibits

3 Articles of Incorporation and By-Laws

10 Material Contracts

An Annual Summary for each of the Owner Trusts listed below is
an annualized version of the monthly Servicer Certificates
prepared by the Servicer.

13(a) - Navistar Financial 1995-A Owner Trust

13(b) - Navistar Financial 1995-B Owner Trust

13(c) - Navistar Financial 1996-A Owner Trust

13(d) - Navistar Financial 1996-B Owner Trust

13(e) - Navistar Financial 1997-A Owner Trust

13(f) - Navistar Financial 1997-B Owner Trust

13(g) - Navistar Financial 1998-A Owner Trust

13(h) - Navistar Financial 1999-A Owner Trust


(b) Reports on Form 8-K:

The Registrant filed the following reports on Form 8-K during the three
months ended October 31, 1999:

(i) Form 8-K dated August 16, 1999

(ii) Form 8-K dated September 15, 1999

(iii) Form 8-K dated October 15, 1999









SIGNATURES




Pursuant to the requirements of Section 13 or 15(d) 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.



NAVISTAR FINANCIAL RETAIL RECEIVABLES CORPORATION
on behalf of NAVISTAR FINANCIAL 1995-A OWNER TRUST,
NAVISTAR FINANCIAL 1995-B OWNER TRUST,
NAVISTAR FINANCIAL 1996-A OWNER TRUST,
NAVISTAR FINANCIAL 1996-B OWNER TRUST,
NAVISTAR FINANCIAL 1997-A OWNER TRUST,
NAVISTAR FINANCIAL 1997-B OWNER TRUST,
NAVISTAR FINANCIAL 1998-A OWNER TRUST AND
NAVISTAR FINANCIAL 1999-A OWNER TRUST

(Exact name of Registrant as specified in its charter)







By: /s/ PHYLLIS E. COCHRAN December 23, 1999
---------------------------------
Phyllis E. Cochran
Vice President and Controller
(Principal Accounting Officer)






EXHIBIT INDEX

Sequential
Exhibit No. Exhibit Page No.

3 Articles of Incorporation and By-Laws 7

10 Material Contracts 8

13(a) Annual Summary
- Navistar Financial 1995-A Owner Trust 12

13(b) Annual Summary
- Navistar Financial 1995-B Owner Trust 15

13(c) Annual Summary
- Navistar Financial 1996-A Owner Trust 18

13(d) Annual Summary
- Navistar Financial 1996-B Owner Trust 22

13(e) Annual Summary
- Navistar Financial 1997-A Owner Trust 26

13(f) Annual Summary
- Navistar Financial 1997-B Owner Trust 29

13(g) Annual Summary
- Navistar Financial 1998-A Owner Trust 32

13(h) Annual Summary
- Navistar Financial 1999-A Owner Trust 35