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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 10-K

For the fiscal year ended December 31, 2003.

For the transition period from              to              .

Commission file number 333-38676

AMSOUTH AUTO RECEIVABLES, LLC, Seller

AMSOUTH AUTO TRUST 2000-1, Issuer

(Exact name of registrant as specified in its Charter)

Registrant’s telephone number, including area code: (205) 320-7151

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 (or for such shorter period that the registrant was required to file such reports) and (2) has been subject to such filing requirements for the past 90 days.    Yes  x    No  ¨

Indicate by check mark whether the registrant is an accelerated filer (as defined in Rule 12b-2 of the Act).    Yes  ¨    No  x

Documents Incorporated by Reference: None

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Terms not otherwise defined herein have the meanings set forth in the Sale and Servicing Agreement (the Sale and Servicing Agreement) relating to AmSouth Auto Trust 2000-1.

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PART I

ITEM 1. BUSINESS

AmSouth Auto Receivables, LLC (the Registrant), is a Delaware limited liability company formed for the sole purpose of issuing asset-backed securities through trusts or limited liability companies. One trust has been originated by the Registrant: AmSouth Auto Trust 2000-1 (the Trust), formed pursuant to a Trust Agreement dated as of October 1, 2000, between the Registrant and The Chase Manhattan Bank, as owner trustee. The only business of the Trust is the collection and distribution of payments on the motor vehicle receivables in the manner described in the Registration Statement on Form S-3 (File No. 333-38676). Accordingly, there is no relevant information to report in response to Item 101 of Regulation S-K.

Due to the limited nature of the business of the Registrant it does not maintain an internet website. However, the Registrant will make available free of charge copies of its filings with the Securities and Exchange Commission upon request to its Treasurer at 205-326-4049.

ITEM 2. PROPERTIES

See Item 15.

ITEM 3. LEGAL PROCEEDINGS

There were no material legal proceedings involving the Registrant, the Trust, or any Notes involving the Trustee which were pending at December 31, 2003, or as of the date of this report.

ITEM 4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

No votes or consents of Noteholders were solicited during fiscal year 2003 for any purpose.

PART II

ITEM 5. MARKET FOR REGISTRANT’S COMMON EQUITY AND RELATED STOCKHOLDER MATTERS

To the best knowledge of the Registrant, there is no established public trading market for the Notes.

(a) As of December 31, 2003, there were no holders of record for the Class A-1 Notes, no holders of record for the Class A-2 Notes, no holders of record for the Class A-3 Notes, 12 holders of record for the Class A-4 Notes, two holders of record for the Class B Notes and one holder of record for the Class C Notes of the Trust.

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(b) Since the Trust pays no dividends with respect to the Notes, the information required by Item 201 of Regulation S-K regarding dividends is inapplicable to the Trust. See Item 15 and Exhibit 99.1 for information with respect to distributions to Noteholders.

ITEM 6. SELECTED FINANCIAL DATA.

Not applicable.

ITEM 7. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS.

Not applicable.

ITEM 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK.

Not applicable.

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA.

Not applicable.

ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE

None.

ITEM 9A. CONTROLS AND PROCEDURES.

Not Applicable.

PART III

ITEM 10. DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT.

Not applicable.

ITEM 11. EXECUTIVE COMPENSATION.

Not applicable.

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ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS.

ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS.

The Registrant received payments from the Trust in accordance with the terms of the Sale and Servicing Agreement.

ITEM 14. PRINCIPAL ACCOUNTING FEES AND SERVICES.

Not applicable.

PART IV

ITEM 15. EXHIBITS, FINANCIAL STATEMENT SCHEDULES AND REPORTS ON FORM 8-K

(a) (1) and (2):

Incorporated herein by reference as Exhibit 99.1 are the Aggregate Trust Data for the year ended December 31, 2003. Copies of the Independent Accountants’ report and the Officer’s Certificate of the Servicer are attached hereto as Exhibits No. 99.2 and 99.3, respectively.

(a) (3) EXHIBITS

The exhibits filed in response to Item 601 of Regulation S-K are listed in the Exhibit Index.

(b) Reports on Form 8-K

The following reports on Form 8-K were filed by the Registrant during the year ended December 31, 2003.

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(c) The exhibits filed in response to Item 601 of Regulation S-K are listed in the Exhibit Index.

(d) Not applicable.

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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.

Date: March 29, 2004

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