SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                                   FORM 10-K/A
                                 Amendment No.1


(Mark One)

/     x / ANNUAL  REPORT  PURSUANT  TO  SECTION  13 OR  15(d) OF THE  SECURITIES
      EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2000 or

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


      Commission File No.:   333-65481-40

                         Wells Fargo Asset Securities Corporation
                         Mortgage Pass-Through Certificates
                         Series 2000-5 Trust
        (Exact name of registrant as specified in its charter)



New York                           52-2282102
                                   52-2282105
(State or other jurisdiction     (I.R.S. Employer
 of incorporation or              Identification  No.)
 organization)

c/o Wells Fargo Bank Minnesota, N.A.
9062 Old Annapolis Road
Columbia, Maryland                            21045
(Address of principal executive offices)     (ZIP Code)


Registrant's telephone number, including area code:
     (410) 884-2000

Securities to be registered pursuant to Section 12(b) of the Act:

     NONE

Securities to be 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 ___


This Amendment No. 1 on Form 10-K/A amends Item 14 of the original Annual Report
on Form 10-K (the  "Original  Form 10-K") filed on March 28, 2001, on behalf of
Wells Fargo Asset Securities Corporation Series 2000-5 Trust established
pursuant to the Pooling and Servicing Agreement among Wells Fargo Asset
Securities Corporation as Seller and Wells Fargo Bank Minnesota, National
Association as Master Servicer and First Union National Bank as Trustee,
pursuant to which the Wells Fargo Asset Securities Corpoation Series 2000-5
Trust registered under the Securities Act of 1933 (the "Certificates")
were issued.


Item 14 of the original Form 10K is amended in its entirety to read as follows:

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

          (a) Exhibits

              (99.1) Annual   Independent    Accountants'    Servicing   Reports
                     concerning servicing activities for the year ended December
                     31, 2000.

                     a)  Hibernia National Bank <F1>
                     b)  Cendant Mortgage Corporation <F1>
                     c)  Fleet Mortgage corporation <F1>
                     d)  Light House Community Bank <F1>
                     e)  ABN AMRO Mortgage Group <F1>
                     f)  First Nationwide Mortgage Corporation <F1>
                     g)  Sun Trust Mortgage, Inc. <F1>
                     h)  Huntington Mortgage Company <F1>

              (99.2) Report  of  Management   as  to  Compliance   with  Minimum
                     Servicing Standards for the year ended December 31, 2000.

                     a)  Hibernia National Bank <F1>
                     b)  Cendant Mortgage Corporation <F1>
                     c)  Fleet Mortgage corporation <F1>
                     d)  Light House Community Bank <F1>
                     e)  ABN AMRO Mortgage Group <F1>
                     f)  First Nationwide Mortgage Corporation <F1>
                     g)  Sun Trust Mortgage, Inc. <F1>
                     h)  Huntington Mortgage Company <F1>


              (99.3) Annual  Statements  of  Compliance  under the  Pooling  and
                     Servicing Agreements for the year ended December 31, 2000.

                     a)  Hibernia National Bank <F1>
                     b)  Cendant Mortgage Corporation <F1>
                     c)  Fleet Mortgage corporation <F1>
                     d)  Light House Community Bank <F1>
                     e)  ABN AMRO Mortgage Group <F1>
                     f)  First Nationwide Mortgage Corporation <F1>
                     g)  Sun Trust Mortgage, Inc. <F1>
                     h)  Huntington Mortgage Company <F1>


              (99.4) Aggregate Statement of Principal and Interest Distributions
                     to Certificate Holders. <F2>

            (b)  On November 8, 2000, December 11, 2000 and January 3, 2001
                 reports  on Form 8-K  were  filed  by the  Company  in order to
                 provide the statements for the monthly distributions to holders
                 of the  Certificates.  No other  reports  on Form 8-K have been
                 filed  during the last  quarter  of the period  covered by this
                 report.

            (c) Not applicable.

            (d)  Omitted.

<F1>  Filed herewith.
<F2>  Previously filed.

                           SIGNATURE

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:

Wells Fargo Asset Securities Corporation
Mortgage Pass-Through Certificates
Series 2000-5 Trust

Signed:   Wells Fargo Bank Minnesota, N.A., as Master Servicer

By:   Beth Belfield, Assistant Vice President
By:  /s/  Beth Belfield, Assistant Vice President

Dated:  July 10, 2002


Exhibit Index

Exhibit No.

99.1      Annual Independent Accountants' Servicing Reports concerning servicing
          activities for the year ended December 31, 2000.

                     a)  Hibernia National Bank <F1>
                     b)  Cendant Mortgage Corporation <F1>
                     c)  Fleet Mortgage corporation <F1>
                     d)  Light House Community Bank <F1>
                     e)  ABN AMRO Mortgage Group <F1>
                     f)  First Nationwide Mortgage Corporation <F1>
                     g)  Sun Trust Mortgage, Inc. <F1>
                     h)  Huntington Mortgage Company <F1>


99.2      Report of Management as to Compliance with Minimum Servicing Standards
          for the year ended December 31, 2000.

                     a)  Hibernia National Bank <F1>
                     b)  Cendant Mortgage Corporation <F1>
                     c)  Fleet Mortgage corporation <F1>
                     d)  Light House Community Bank <F1>
                     e)  ABN AMRO Mortgage Group <F1>
                     f)  First Nationwide Mortgage Corporation <F1>
                     g)  Sun Trust Mortgage, Inc. <F1>
                     h)  Huntington Mortgage Company <F1>


99.3      Annual  Statements  of  Compliance  under the  Pooling  and  Servicing
          Agreements for the year ended December 31, 2000.

                     a)  Hibernia National Bank <F1>
                     b)  Cendant Mortgage Corporation <F1>
                     c)  Fleet Mortgage corporation <F1>
                     d)  Light House Community Bank <F1>
                     e)  ABN AMRO Mortgage Group <F1>
                     f)  First Nationwide Mortgage Corporation <F1>
                     g)  Sun Trust Mortgage, Inc. <F1>
                     h)  Huntington Mortgage Company <F1>

99.4      Aggregate Statement of Principal and Interest Distributions to
          Certificate Holders.<F2>

<F1>  Filed herewith.
<F2>  Previously filed.



   EX-99.1 (a)


ERNST&YOUNG     (logo)




Ernst& Young LLP
200 One Shell Square
701 Poydras Street
New Orleans
Louisiana 70139-9869

Phone: (504) 581-4200
www.ey.com


       Report of Independent Accountants on Report on Management's Assertion
          on Compliance with Minimum Servicing Standards Set Forth in the
               Uniform Single Attestation Programfor Mortgage Bankers

         The Directors' Audit Committee
         Hibernia Corporation

         We have examined management's assertion, included in the accompanying
         report titled Report of Management, that Hibernia National Bank
         (the Company), a wholly owned subsidiary of Hibernia Corporation,
         complied with the minimum servicing standards set forth in the Mortgage
         Bankers Association of America's Uniform Single Attestation Program for
         Mortgage Bankers (USAP) during the year ended December 31, 2000.
         Management is responsible for the Company's compliance with those
         requirements. Our responsibility is to express an opinion on
         management's assertions about the Company's compliance based on our
         examination.

         Our examination was made in accordance with attestation standards
         established by the American Institute of Certified Public Accountants
         and, accordingly, included examining, on a test basis, evidence about
         the Company's compliance with those requirements and performing such
         other procedures as we considered necessary in the circumstances. We
         believe that our examination provides a reasonable basis for our
         opinion. Our examination does not provide a legal determination on the
         Company's compliance with specified requirements.

         In our opinion, management's assertion that the Company complied with
         the aforementioned requirements during the year ended December 31,
         2000, is fairly stated, in all material respects.

         This report is intended solely for the information and use of the
         Directors' Audit Committee, management, and the U.S. Department of
         Housing and Urban Development and is not intended to be and should not
         be used by anyone other than these specified parties.



         March 26, 2001


   EX-99.1 (b)

    Deloitte & Touche LLP
    Two Hilton Court
    P.O. Box 319
    Parsippany, New Jersey 07054-0319

    Tel: (973) 683 7000
    Fax: (973) 683 7459
    www.us.deloitte.com


    Deloitte   (logo)
    & Touche

     INDEPENDENT AUDITORS'REPORT


     Cendant Mortgage Corporation:

     We have examined management's assertion about Cendant Mortgage
     Corporation's compliance with the minimum servicing standards identified in
     the Mortgage Bankers Association of America's Uniform Single Attestation
     Program for Mortgage Bankers (USAP) as of and for the year ended December
     31, 2000 included in the accompanying management assertion. Management is
     responsible for Cendant Mortgage Corporation's compliance with those
     minimum servicing standards. Our responsibility is to express an opinion on
     management's assertion about the entity's compliance based on our
     examination.

     Our examination was made in accordance with standards established by the
     American Institute of Certified Public Accountants and, accordingly,
     included examining, on a test basis, evidence about Cendant Mortgage
     Corporation's compliance with the minimum servicing standards and
     performing such other procedures as we considered necessary in the
     circumstances.  We believe that our examination provides a reasonable basis
     for our opinion. Our examination does not provide a legal determination on
     Cendant Mortgage Corporation's compliance with the minimum servicing
     standards.

     In our opinion, management's assertion that Cendant Mortgage Corporation
     complied with the aforementioned minimum servicing standards as of and for
     the year ended December 31, 2000, is fairly stated in all material
     respects.



     February 9, 2001

   EX-99.1 (c)

    PRICEWATERHOUSECOOPERS   (logo)




    PricewaterhouseCoopers LLP
    1441 Main Street, Suite 705
    Columbia SC 29201
    Telephone (803) 779 0930

                        Report of Independent Accountants

    To the Board of Directors and Stockholder
    of Fleet Mortgage Corp.

    We have examined management's assertion about Fleet Mortgage Corp. and its
    subsidiaries' (the "Company") compliance with the minimum servicing
    standards identified in the Mortgage Bankers Association of America's
    Uniform Single Attestation Program for Mortgage Bankers ("USAP") as of and
    for the year ended December 31, 2000 included in the accompanying management
    assertion (see Exhibit 1). Management is responsible for the Company's
    compliance with those minimum servicing standards. Our responsibility is to
    express an opinion on management's assertion about the Company's compliance
    based on our examination.

    Our examination was made in accordance with attestation standards
    established by the American Institute of Certified Public Accountants and,
    accordingly, included examining, on a test basis, evidence about the
    Company's compliance with the minimum servicing standards and performing
    such other procedures as we considered necessary in the circumstances. We
    believe that our examination provides a reasonable basis for our opinion.
    Our examination does not provide a legal determination on the Company's
    compliance with the minimum servicing standards.

    In our opinion, management's assertion that the Company complied with the
    aforementioned minimum servicing standards as of and for the year ended
    December 31, 2000 is fairly stated, in all material respects.

    March 2, 2001

   EX-99.1 (d)

    Grant Thornton (logo)

    Accountants and
    Management Consultants
    Grant Thornton LLP
    The US Member Firm of
    Grant Thornton International




                              Independent Accountant's Report


         To Lighthouse Financial Services, Inc.


         We have examined management's assertion about Lighthouse Financial
         Services, Inc.'s compliance with the minimum servicing standards
         identified in the Mortgage Bankers Association of America's Uniform
         Single Attestation Program for Mortgage Bankers(USAP) as of and for
         the year ended September 30, 2000 included in the accompanying
         management assertion.  Management is responsible for Lighthouse
         Financial Services, Inc.'s compliance with those minimum servicing
         standards. Our responsibility is to express an opinion on management's
         assertion about the entity's compliance based on our examination.

         Our examination was made in accordance with standards established by
         the American Institute of Certified Public Accountants and,
         accordingly, included examining, on a test basis, evidence about
         Lighthouse Financial Services, Inc.'s compliance with the minimum
         servicing standards and performing such other procedures as we
         considered necessary in the circumstances.  We believe that our
         examination provides a reasonable basis for our opinion.  Our
         examination does not provide a legal determination on Lighthouse
         Financial Services, Inc.'s compliance with the minimum servicing
         standards.

         In our opinion, management's assertion that Lighthouse Financial
         Services, Inc. complied with the aforementioned minimum servicing
         standards as of and for the year ended September 30, 2000 is fairly
         stated, in all material respects.

         Cincinnati, Ohio
         November 15, 2000

   EX-99.1 (e)

    ERNST & YOUNG   (logo)

    Ernst & Young LLP
    Sears Tower
    233 South Wacker Drive
    Chicago, Illinois 60606-6301
    Phone: (312) 879-2000
    www.ey.com

                   Report on Management's Assertion on Compliance
                 with Minimum Servicing Standards Set Forth in the
               Uniform Single Attestation Program for Mortgage Bankers

                         Report of Independent Accountants


      Board of Directors
      ABN AMRO North America, Inc.

      We have examined  management's assertion, included in the accompanying
      report titled Report of Management, that except for noncompliance with the
      minimum servicing standard for escrow funds and custodial bank and related
      clearing account reconciliations, Mortgage Group, Inc. (AAMG, a wholly
      owned subsidiary of ARN AMRO  North  America,  Inc.) complied with the
      minimum servicing standards set forth in the Mortgage Bankers Association
      of America's Uniform Single  Attestation Program for Mortgage Bankers
      (USAP) during the year ended December 31, 2000.  Management is responsible
      for AAMG's compliance with those requirements.  Our responsibility is to
      express an opinion on management's assertions about AAMG's compliance
      based on our examination.

      Our  examination was made in accordance with attestation standards
      established by the American Institute of Certified Public Accountants and,
      accordingly, included examining, on a test basis, evidence about AAMG's
      compliance with those requirements and performing such other procedures as
      we considered necessary in the circumstances.  We believe that our
      examination provides a reasonable basis for our opinion.  Our examination
      does not provide a legal determination on AAMG's compliance with specified
      requirements.

      In our opinion, management's assertion that, except for noncompliance with
      the minimum servicing standard for escrow funds and custodial bank and
      related clearing account reconciliations, AAMG complied with the
      aforementioned requirements during the year ended  December 31, 2000, is
      fairly stated, in all material respects.

      This report is intended solely for the information and use of the board of
      directors, management, and AAMG's private investors and is not intended to
      be and should not be used by anyone other than these specified parties.


      Ernst & Young LLP
      January 22, 2001

      Ernst & Young LLP is a member of Ernst & Young International, Ltd.



   EX-99.1 (f)

   KPMG (logo)
   1660 International Drive
   McLean, VA 22102



                           Independent Auditors' Report


    The Board of Directors
    First Nationwide Mortgage Corporation:


    We have examined management's assertion about First Nationwide Mortgage
    Corporation's (the  Company's) compliance with the minimum servicing
    standards set forth in the Mortgage Bankers Association of America's Uniform
    Single Attestation Program for Mortgage Bankers, as of and for the year
    ended December 31, 2000 included in the accompanying management assertion.
    Management is responsible for the Company's compliance with those minimum
    servicing standards.  Our responsibility is to express an opinion on
    management's assertion about the Company's compliance based on our
    examination.

    Our examination was made in accordance with standards established by the
    American Institute of Certified Public Accountants and, accordingly,
    included examining, on a test basis, evidence about the Company's compliance
    with the minimum servicing standards and performing such other procedures as
    we considered  necessary in the circumstances.   We believe that our
    examination provides a reasonable basis for our opinion.  Our examination
    does not provide a legal determination on the Company's compliance with the
    minimum servicing standards.

    In our opinion, management's assertion that the Company has complied in all
    material respects with the aforementioned minimum servicing standards as of
    and for the year ended December 31, 2000 is fairly stated, in all material
    respects.


    January 16, 2001


   EX-99.1 (g)

    ARTHURANDERSEN  (logo)




    REPORT OF INDEPENDENT PUBLIC ACCOUNTANTS

    To SunTrust Mortgage, Inc.:

    We have examined management's assertion about SUNTRUST MORTGAGE, INC.'s
    compliance with the minimum servicing standards identified in the Mortgage
    Bankers Association of America's Uniform Single Attestation Program for
    Mortgage Bankers ("USAP") and that the Company had in effect a fidelity bond
    and errors and omissions policy in the amounts of $ 100,000,000 and
    $28,500,000, respectively, as of and for the year ended December 31, 2000
    included in the accompanying management assertion. Management is responsible
    for the Company's compliance with those minimum servicing standards and for
    maintaining a fidelity bond and errors and omissions policy. Our
    responsibility is to express an opinion on management's assertion about the
    entity's compliance with the minimum servicing standards and maintenance of
    a fidelity bond and errors and omissions policy based on our examination.

    Our examination was made in accordance with standards established by the
    American Institute of Certified Public Accountants and, accordingly,
    included examining, on a test basis, evidence about the Company's compliance
    with the minimum servicing standards and performing such other procedures as
    we considered necessary in the circumstances. We believe that our
    examination provides a reasonable basis for our opinion. Our examination
    does not provide a legal determination on the Company's compliance with the
    minimum servicing standards.

    In our opinion, management's assertion that the Company complied with the
    aforementioned minimum servicing standards and that the Company had in
    effect a fidelity bond and errors and omissions policy in the amounts of $
    100,000,000 and $28,500,000, respectively, as of and for the year ended
    December 31, 2000 is fairly stated in all material respects.



    Atlanta, Georgia
    February 2, 2001

   EX-99.1 (h)

ERNST&YOUNG  (logo)

Ernst&Young LLP
1100 Huntington Center
41 South High Street
Columbus, Ohio 43215

Phone: (614) 224-5678
Fax:   (614) 222-3939



                         Report of Independent Accountants


        Board of Directors
        The Huntington Mortgage Company

        We have examined management's assertion, included in the accompanying
        report titled Report of Management, that The Huntington Mortgage Company
        (HMC), a wholly-owned subsidiary of The Huntington National Bank,
        complied with the minimum servicing standards set forth in the Mortgage
        Bankers Association of America's Uniform Single Attestation Program for
        Mortgage Bankers (USAP) during the year ended December 31, 2000.
        Management is responsible for HMC's compliance with those requirements.
        Our responsibility is to express an opinion on management's assertion
        about HMC's compliance based on our examination.

        Our examination was conducted in accordance with attestation standards
        established by the American Institute of Certified Public Accountants
        and, accordingly, included examining, on a test basis, evidence about
        HMC's compliance with those requirements and performing such other
        procedures as we considered necessary in the circumstances. We believe
        that our examination provides a reasonable basis for our opinion. Our
        examination does not provide a legal determination on HMC's compliance
        with specified requirements,

        In our opinion, management's assertion that HMC complied with the
        aforementioned requirements during the year ended December 31, 2000 is
        fairly stated, in all material respects.

        This report is intended solely for the information and use of the board
        of directors, management, Federal Home Loan Mortgage Corporation,
        Federal National Mortgage Association, and HMC's private investors,
        and is not intended to be and should not be used by anyone other than
        these specified parties.

        March 6, 2001



   EX-99.2 (a)



HIBERNIA (logo)
MEMBER FDIC



MANAGEMENT ASSERTION


As of and for the period ended December 31, 2000, Hibernia National
Bank has complied in all material respects with the minimum servicing
standards set forth in the Mortgage Bankers Association of America's
Uniform Single Attestation Program for Mortgage Bankers (USAP). As of
and for this same period, Hibernia National Bank had in effect a
fidelity bond and errors and omissions policy. Refer to the enclosed
certificates for the specific amounts.




Gerald J. Lachney
Assistant Vice President



September 13, 2001

HIBERNIA NATIONAL BANK * POST OFFICE BOX 481 * BATON ROUGE, Los Angeles 70821 *
225-381-2000



EX-99.2 (b)

Cendant Mortgage
3000 Leadenhall Road
Mount Laurel, NJ 08054

CENDANT  (logo)
Mortgage

As of and for the year ended December 31, 2000, Cendant Mortgage
Corporation (the Company) has complied in all material respects with
the minimum servicing standards set forth in the Mortgage Bankers
Association of America's Uniform Single Attestation Program for
Mortgage Bankers. As of and for this same period, the Company had in
effect a fidelity bond and errors and omissions policy in the amount
of $110 million and $20 million, respectively.

Cendant Mortgage Corporation


Terence W.Edwards
President and Chief Executive Officer


Martin Foster
Vice President Servicing Management Group


   EX-99.2 (c)

Fleet
Mortgage     (logo)
1333 Main Street
Columbia, SC 29201
803 929.7900 tel
803 929.7107 fax



                     Management's Assertion Concerning Compliance
                          with USAP Minimum Servicing Standards

March 2, 2001

As of and for the year ended December 31, 2000, Fleet Mortgage Corp. and its
subsidiaries (the "company") have complied in all material respects with the
minimum servicing standards set forth in the Mortgage Bankers Association of
America's Uniform Single Attestation Program for Mortgage Bankers ("USAP").

As of and for this same period, the Company had in effect a fidelity bond and
errors and omissions policy of $1000,000,000 and $20,000,000 respectively.


Michael J. Torke
Chief Executive Officer and President


William B. Naryka
Executive Vice President, Chief Financial Officer


Robert A. Rosen
Executive Vice President of Loan Servicing



   EX-99.2 (d)



                          LIGHTHOUSE   (logo)



 As of and for the year ended September 30, 2000, Lighthouse
 Financial Services, Inc. has complied in all material respects with
 the minimum serviving standards set forth in the Mortgage Bankers
 Association of America's Uniform Single Attestation Program for
 Mortgage Bankers.  As of and for the same period, Lighthouse
 Financial Services, Inc. had in effect a fidelity bond and erros
 and ommissions policy in the amount of $1,000,000.00



 Jerry T. Caldwell, Cheif Executive Officer



   EX-99.2 (e)

    ABN-AMRO

    ABN AMRO Mortgage Group, Inc.
    4242 North Harlem Avenue
    Norridge, Illinois 60706-1204
    (708) 456-0400

    Affiliates:
    LaSalle Bank
    LaSalle Home Mortgage
    Standard Federal Bank


    Management's Assertion on Compliance with the Minimum Servicing
    Standards Set Forth in the Uniform Single Attestation Program for
    Mortgage Bankers

    Report of Management

    We, as members of management of ABN AMRO Mortgage Group, Inc. (AAMG, a
    wholly owned subsidiary of ABN AMRO North America, Inc.) are responsible for
    complying with the minimum servicing  standards as set forth in The Mortgage
    Bankers Association of America's Uniform Single Attestation Program for
    Mortgage Bankers (USAP).  We are also responsible for establishing and
    maintaining effective internal control over compliance with these standards.
    We have performed an evaluation of AAMG's compliance with the minimum
    servicing standards as set forth in the USAP as of December 31, 2000 and for
    the year then ended. Based on this  evaluation, we assert that during the
    year ended December 31, 2000, AAMG complied, in all material respects,
    with the minimum servicing standards set forth in the USAP except as
    described below.

    Escrow funds were not returned to mortgagors within 30 calendar days of loan
    payoff for 1 out of the 45 tested.

    Custodial bank and related clearing account reconciliations contained items
    which were not resolved  within 90 calendar days of their original
    identification for 4 out of the 120 tested.

    As of and for this same period, ABN AMRO North America, Inc. had in effect a
    fidelity bond in the amount of $500,000,000 and an error and omissions
    policy in the amount $25,000,000.

    Stanley Rhodes
    President

    Richard Geary
    Group Senior Vice President



   EX-99.2 (f)

Management Assertion

As of and for the year ended December 31, 2000, First Nationwide Mortgage
Corporation (the Company) has complied in all material respects with the
minimum servicing standards set forth in the Mortgage Bankers Association of
America's Uniform Single Attestation Program for Mortgage Bankers. As of and
for this same period, the Company had in effect a fidelity bond and errors
and omissions policy in the amount of $125 million and $120 million,
respectively.








Signature




Executive Vice President
Title


03-12-01
Date



   EX-99.2 (g)

            SunTrust Mortgage, Inc.
            Post Office Box 26149
            Richmond. VA 23260-6149
            1-800-634-7928

            SUNTRUST   (logo)


            February 10, 2000


            Arthur Andersen LLP
            133 Peachtree Street, NE
            Atlanta, GA 30303


            Dear Sirs:

            As of and for the year ended December 31, 2000, SunTrust Mortgage,
            Inc. has complied in all material respects with the minimum
            servicing standards set forth in the Mortgage Bankers Association of
            America's Uniform Single Attestation Program for Mortgage Bankers.
            As of and for this same period, SunTrust Mortgage, Inc. had in
            effect a fidelity bond and errors and omissions policy in the
            amounts of $100,000,000 and $28,500,000 respectively.

            Sincerely,

            Ralph B. Carrigan
            Executive Vice President


   EX-99.2 (h)

Huntington
Mortgage
Company  (logo)


Report of Management



We, as members of management of The Huntington Mortgage Company (HMC), a
wholly-owned subsidiary of The Huntington National Bank, are responsible
for complying with the minimum servicing standards as set forth in the
Mortgage Bankers Association of America's Uniform Single Attestation
Program for Mortgage Bankers (USAP). We are also responsible for
establishing and maintaining effective internal control over compliance
with these standards. We have performed an evaluation of HMC's compliance
with the minimum servicing standards as set forth in the USAP as of
December 31, 2000 and for the year then ended. Based on this evaluation,
we assert that during the year ended December 31, 2000, HMC complied, in
all material respects, with the minimum servicing standards set forth in
the USAP.

As of and for this same period, HMC had in effect a fidelity bond in the
amount of $70,000,000 and an errors and omissions policy in the amount of
$10,000,000.





Thomas J. Finnegan III
President and Chief Executive Officer




Irving A. Adler
Senior Vice President




March 6, 2001





   EX-99.3 (a)


     HIBERNIA   (logo)
     MEMBER FDIC

     Wells Fargo Bank Minnesota, N.A.
     11000 Broken Land Parkway
     Columbia, MD 21044-3562
     Attention: Master Servicing
     RE: Officer's Certificate


     Dear Master Servicer:


     The undersigned Officer certifies the following for the 2000 fiscal year:

     (A) I have reviewed the activities and performance of the Servicer during
         the preceding fiscal year under the terms of the Servicing Agreement,
         Trust Agreement, Pooling and Servicing Agreement and/or Seller/Servicer
         Guide and to the best of these Officers' knowledge, the Servicer has
         fulfilled all of its duties, responsibilities or obligations under
         these Agreements throughout such year, or if there has been a default
         or failure of the servicer to perform any of such duties,
         responsibilities or obligations, a description of each default or
         failure and the nature and status thereof has been reported to
         Wells Fargo Bank Minnesota, N.A.;

     (B) I have confirmed that the Servicer is currently an approved FNMA
         or FHLMC servicer in good standing;

     (C) I have confirmed that the Fidelity Bond, the Errors and Omissions
         Insurance Policy and any other bonds required under the terms of the
         Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement
         and/or Seller/Servicer Guide are in full force and effect;

     (D) All premiums for each Hazard Insurance Policy, Flood Insurance Policy
         (if applicable) and Primary Mortgage Insurance Policy (if applicable),
         with respect to each Mortgaged Property, have been paid and that all
         such insurance policies are in full force and effect;

     (E) All real estate taxes, governmental assessments and any other expenses
         accrued and due, that if not paid could result in a lien or encumbrance
         on any Mortgaged Property,  have been paid, or if any such costs or
         expenses have not been paid with respect to any Mortgaged Property, the
         reason for the non-payment has been reported to Wells Fargo Bank
         Minnesota, N.A.;

    (F) All Custodial Accounts have been reconciled and are properly funded; and

    (G) All annual reports of Foreclosure and Abandonment of Mortgage Property
        required per section 6050H, 6050J and 6050P of the Internal Revenue
        Code, respectively, have been prepared and filed.

     Certified By:


     Officer


     Sr. Vice President
     Title


     3/30/01
     Date

   EX-99.3 (b)

    CENDANT   (logo)
    Mortgage



    May 11, 2001

    Wells Fargo
    11000 Broken Land Parkway
    Columbia, MD 21044

    RE: Officer's Certificate
         Annual Certification

    Dear Master Servicer:

    The undersigned officer certifies the following for the 2000 calendar year.

    a)  I have reviewed the activities and performances of the Servicer during
        the preceding fiscal year under the terms of the Servicing Agreement,
        Trust Agreement, Pooling and Servicing Agreement and/or Servicer Guide
        and to the best of my   knowledge,  the  Servicer  has fulfilled all
        of  its  duties, responsibilities  or obligations under these Agreements
        throughout such year,  or if there has been a default or failure of the
        Servicer to perform any such duties, responsibilities or obligations, a
        description of each  default or failure and the nature and status
        thereof has been reported to Wells Fargo;

    b)  I have confirmed that the Servicer is currently an approved FNMA or
        FHLMC Servicer in good standing;

    c)  I have  confirmed  that the Fidelity Bond,  the  Errors  and  Omissions
        Insurance  Policy and any other bonds  required  under the terms of the
        Servicing Agreement,  Trust Agreement,  Pooling and Servicing Agreement
        and/or Servicer Guide are in full force and effect;


    d)  To the best of my knowledge, all premiums for  each  Hazard  Insurance
        Policy,  Flood Insurance  Policy (if  applicable)  and Primary  Mortgage
        Insurance  Policy  (if  applicable),  with  respect  to  each  Mortgaged
        Property,  have been paid and that such  insurance  policies are in full
        force and effect;

    e)  To the best of my knowledge, all real estate taxes, governmental
        assessments and any other expenses accrued and due, that if not paid
        could result in a lien or encumbrance on any Mortgage Property, have
        been paid, or if any such costs or expenses have been paid with  respect
        to any  Mortgaged Property, the reason for the  non-payment  has been
        reported to Wells Fargo;

    f) To the best of my knowledge,  all Custodial Accounts have been reconciled
       and are properly funded; and

    g) To the best of my  knowledge,  all  annual  reports  of  Foreclosure  and
       Abandonment of Mortgaged Property required per section 6050J and 6050P of
       the Internal Revenue Code, respectively, have been prepared and filed.


    Certified by:


    Officer - Marc J. Hinkle

    Vice President - Loan Servicing
    Title

    5/11/2001
    Date


   EX-99.3 (c)

    Wells Fargo Bank Minnesota., N.A,
    11000 Broken Land Parkway
    Columbia, MD 21044-3562
    Attention: Master Servicing

    RE: Officer's Certificate

    Dear Master Servicer:

    The undersigned Officer certifies the following for the 2000 fiscal year:


    (A) I have reviewed the activities and performance of the Servicer during
        the preceding fiscal year under the terms of the Servicing Agreement,
        Trust Agreement, Pooling and Servicing Agreement and/or Seller/Servicer
        Guide and to the best of these Officers' knowledge, the Servicer has
        fulfilled all of its duties, responsibilities or obligations under these
        Agreements throughout such year, or if there has been a default or
        failure of the servicer to perform any of such duties, responsibilities
        or obligations, a description of each default or failure and the nature
        and status thereof has been reported to Wells Fargo Bank
        Minnesota, N.A.;

    (B) I have confirmed that the Servicer is currently an approved FNMA
        or FHLMC servicer in good standing;

    (C) I have confirmed that the Fidelity Bond, the Errors and Omissions
        Insurance Policy and any other bonds required under the terms of the
        Servicing Agreement, Trust Agreement,  Pooling and Servicing Agreement
        and/or Seller/Servicer Guide are in full force and effect;

    (D) All premiums for each Hazard Insurance Policy, Flood Insurance Policy
        (if applicable) and Primary Mortgage Insurance Policy (if applicable),
        with respect to each Mortgaged Property, have been paid and that all
        such insurance policies are in full force and effect;

    (E) All real estate taxes, governmental assessments and any other expenses
        accrued and due, that if not paid could result in a lien or encumbrance
        on any Mortgaged Property, have been paid, or if any such costs or
        expenses have not been paid with respect to any Mortgaged Property,
        the reason for the non-payment has been reported to Wells Fargo Bank
        Minnesota, N.A.;

    (F) All Custodial Accounts have been reconciled and are properly funded; and

    (G) All annual reports of Foreclosure and Abandonment of Mortgage Property
        required per section 6050H,6050J and 6050P of the Internal Revenue Code,
        respectively, have been prepared and filed.




    Certified By:



    Officer



    Title



    Date


   EX-99.3 (d)




                               LIGHTHOUSE  (logo)


         Annual Officer Certification


         The undersigned Servicing Officer certifies the following for the
         fiscal year ended 9/30/00:

         a.  All premiums  for each Standard Hazard Insurance Policy, Flood
             Insurance Policy (if any) and FHA Certificate of  Mortgage
             Insurance (if any), with respect to each  Mortgage Loan and each
             Mortgaged Property, have been paid and all such insurance policies
             are in full force and effect.

         b.  All accrued and unpaid real estate taxes, governmental assessments
             and any other expenses which if not paid could result in a lien or
             encumbrance on any Mortgaged Property, have been paid, or if any
             such costs or expenses  have not been paid in respect of any
             Mortgage Property, the reason for the non-payment and what action
             the Servicer will take to assure payment.

        c.   The Officer signing such certificate has reviewed the activities
             and performance during the preceding fiscal year and, to the best
             of such Officer's knowledge, the Servicer has fulfilled all of its
             duties, responsibilities or obligations under the Guide throughout
             such year, or, if there has been a default or failure of the
             Servicer to perform any of such duties, responsibilities or
             obligations, a description of each default or failure and the
             nature and status thereof.

        d.   As to each FHA Loan and VA Loan, the Servicer had fulfilled and
             complied  with all obligations and conditions to be fulfilled and
             complied with by mortqage loan Servicers pursuant to FHA
             Regulations and VA Regulations, respectively.

        e.   Such Officer has confirmed that the Fidelity Bonds, the Errors and
             Omissions Insurance Policy and other bonds required by Section 2.25
             of the Servicing Guide are in full force and effect. Servicer
             certifies that none of its principal officers have been removed
             from coverage.

        f.   The Servicer has complied with the Internal Revenue Servicers'(IRS)
             requirements for reporting the receipt of $600 or more of interest
             payments from a mortgagor, for Filing Statements for Recipients of
             Miscellaneous Income (IRS Form 1099-MISC) to report payment of fees
             to attorneys for handling liquidation proceedings, and filed
             notices of Acquisition or Abandonment of Secured Property (IRS
             Form 1099-A) to report the acquisition of a property by
             foreclosure or acceptance of a  deed-in-lieu or by a mortgagor's
             abandonment of a property.


        g.  The Servicer has made all of the required interest rate and/or
            monthly payment adjustments for the ARMS and GPARMs that it
            services, and adjustments were made in accordance with the mortgage
            terms.

        h.  All mortgagors insured under FHA Section 235 have been sent their
            annual recertification related to occupancy, income, employment and
            family composition.

        i.  The Servicer has complied with any laws, regulations, contracts
            that require them to pay interest on mortgagors' escrow deposit
            accounts.

        j. The Servicer has reported all 90-day delinquencies, completed
           foreclosures, accepted deed-in-lieu, and reinstated mortgages to the
           major credit repositories in accordance with FUNB, FNMA, FHLMC, FHA,
           VA and MI reporting requirements.

        k. The Servicer has complied with 12 USC Section 17OIX, which requires
           Servicer to notify eligible delinquent mortgagors whose mortgages are
           secured by single-family properties of the availability of home
           ownership counseling services offered by the Servicer or approved
           non-profit organizations that can assist them in becoming current in
           their monthly payments and in obtaining information about other
           aspects of financial management.

        l. The Servicer maintains a Disaster Recovery Plan to ensure the
           servicing operations comply with Federal requirements.

        m. The Servicers' employment practices, policies and programs comply
           with the  requirements of Executive Order 11246 as it relates to
           equal employment opportunity and nondiscrimination against disabled
           veterans, veterans of the Vietnam era, and handicapped individuals.

        n. The Servicer is properly licensed (or otherwise authorized) to
           service mortgages in each of the jurisdictions in which it does
           business, if the jurisdiction requires licensing or authorization
           for mortgage servicers; the Servicer is in full compliance with any
           and all federal, state, or local jurisdictional regulations that
           apply to its servicing business practices.

        I certify that enclosed are the following items, as required by the
          Guide:


          1. Annual Financial Statement for Servicer and Parent, along with
             Independent Auditor's Report;
          2. Independent Public Accountant's Certification (Uniform Single Audit
             Letter);
          3. HUD Annual Compliance Letter;
          4. GNMA Annual Compliance Letter, if applicable;
          5. GNMA/FNMA Net Worth Computation;
          6. FHLBB 1313 Report, if applicable;
          7. Annual Compliance Letter to United States Department of Housing and
             Urban Development - (if Servicer is approved by GNMA is an eligible
             Servicer of GNMA Mortgaged-Backed Securities);
          8. Proof of E&O and Fidelity Bond Insurance coverage;
          9. Copies of bank statements for each account maintained by the
             Servicer on behalf of First Union, with a complete reconciliation
             of the cash.



           [SERVICER'S NAME]


       Officer Name    Terry L. Rohlfing

       Officer Title   President

       Date            December 27, 2000



Lighthouse Financial Services  5 Office Park Road  P.O. Box 25000
Hilton Head Island, SC  29925  (843) 341-3000  Fax (843) 842-2444

LIGHTHOUSE FINANCIAL SERVICES, INC * LIGHTHOUSE COMMUNITY BANK *
LIGHTHOUSE MORTGAGE CORPORATION * SUNBELT COMMERCIAL CAPITAL *
LIGHTHOUSE INVESTMENT ADVISORS * CARSWELL OF CAROLINA-LIGHTHOUSE


    EX-99.3 (e)


    ABN AMRO Mortgage Group, Inc.
    4242 North Harlem Avenue
    Norridge, Illinois 60706-1204
    (708) 456-0400

    Affiliates:
    LaSalle Bank
    LaSalle Home Mortgage
    Standard Federal Bank


    CERTIFICATE OF COMPLIANCE

    The  undersigned, an officer of ABN AMRO Mortgage Group, Inc., (the
    "participant"), hereby certifies as follows:

    1.  I have made, or caused to be made under my supervision, a review of the
        activities of ABN AMRO Mortgage Group, Inc. during the preceding
        calendar year ending December 31, 2000, with respect to performance
        under the

        and

    2.  To the best of my knowledge, based on such review, there is as of this
        date, no default by ABN AMRO in the fulfillment of any of it's
        obligations under this issue.

    In witness whereof the undersigned has this Certificate of Compliance this
    1st day of March, 2001.

    ABN AMRO Mortgage Group, Inc.

    By:
         Renee' B. Dettman
         Vice President

   EX-99.3 (f)


   1ST
   NATIONWIDE
   MORTGAGE   (logo)

   P.O. Box 9481
   Gaithersburg, MD 20898-9481


                Annual Certification for Fiscal Year Ending December 2000



    Dear Investor:


    First Nationwide Mortgage Corporation hereby certifies to the best of our
    knowledge and belief, the following:

         We paid (or received evidence of payment) all taxes and assessments,
         and other reportable/lienable items which affect the subject
         properties.

         We paid (or received evidence of payment) for flood or other casualty
         insurance in an amount and form sufficient to cover indebtedness.

         We paid FHA or conventional mortgage insurance premiums for the
         mortgages we service for you, as required.

         All required IRS reporting  has been completed in connection with
         interest on escrow, interest paid by  mortgagors in excess of $600.00
         and information returns on foreclosure and abandoned properties for the
         year.

         We properly adjusted the interest rate on adjustable rate mortgages, as
         required by the note and rider.

         We completed  all property inspections,  as required by our Servicing
         Agreement.

         The required fidelity bond and errors and omissions coverages are in
         force.

         We properly applied all sums relating to principal, interest, taxes,
         and insurance.

         Funds received are placed in a separate trust account until disbursed.

         Interest on escrow is paid as required under applicable laws,
         regulations or contracts that require payment on the mortgagors' escrow
         deposit accounts.

         A review of the activities during the preceding calendar year and of
         the performance under the Servicing Agreement has been completed and
         based on that review, we have fulfilled all of the obligations under
         that agreement.


    Sincerely,



    Deborah S. Mace
    First Vice President




    5280 Corporate Drive, Frederick, MD 21703

   EX-99.3 (g)

    Wells Fargo Bank Minnesota, N.A.
    11000 Broken Land Parkway
    Columbia, MD 21044-3562
    Attention: Master Servicing

    RE: Officer's Certificate

    Dear Master Servicer:

    The undersigned Officer certifies the following for the 2000 fiscal year:

    (A) I have reviewed the activities and performance of the Servicer during
        the preceding fiscal year under the terms of the Servicing Agreement,
        Trust Agreement, Pooling and Servicing Agreement and/or Seller/Servicer
        Guide and to the best of these Officers' knowledge, the Servicer has
        fulfilled all of its duties, responsibilities or obligations under these
        Agreements throughout such year, or if there has been a default or
        failure of the servicer to perform any of such duties, responsibilities
        or obligations, a description of each default or failure and the nature
        and status thereof has been reported to Wells Fargo Bank Minnesota,
        N.A.;

    (B) I have confirmed that the Servicer is currently an approved FNMA or
        FHLMC servicer in good standing;

    (C) I have confirmed that the Fidelity Bond, the Errors and Omissions
        Insurance Policy and any other bonds required under the terms of the
        Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement
        and/or Seller/Servicer Guide are in full force and effect;

    (D) All premiums for each Hazard Insurance Policy, Flood Insurance Policy
        (if applicable) and Primary Mortgage Insurance Policy (if applicable),
        with respect to each Mortgaged Property, have been paid and that all
        such insurance policies are in full force and effect;

    (E) All real estate taxes, governmental assessments and any other expenses
        accrued and due, that if not paid could result in a lien or encumbrance
        on any Mortgaged Property, have been paid, or if any such costs or
        expenses have not been paid with respect to any Mortgaged Property, the
        reason for the non-payment has been reported to Wells Fargo Bank
        Minnesota, N-A.;

    (F) All Custodial Accounts have been reconciled and are properly funded; and

    (G) All annual reports of Forecloslure and Abandonment of Mortgage Property
        required per section 6050H, 6050J and 6050P of the Internal Revenue
        Code, respectively, have been prepared and filed.

    Certified By:

    Officer

    Vice President
    Title

    March 26, 2001
    Date


   EX-99.3 (h)


    Huntington
    Mortgage   (logo)
    Company

                                  OFFICER'S CERTIFICATE


    Dear Master Servicer:



    The undersigned Officer certifies the following for the 2000 fiscal year:

    A    I have reviewed the activities and  performance of the Servicer during
         the proceeding fiscal year under the terms of the servicing agreement,
         Trust Agreement, Pooling and Servicing Agreement and/or Seller/Servicer
         Guide and to the best of these Officers' knowledge, the Servicer has
         fulfilled all of its duties, responsibilities or obligations under
         these Agreements throughout such year, or if there has been a default
         or failure of the servicer to perform an of such duties,
         responsibilities or obligations, a description of each default or
         failure and the nature and status thereof has been reported to Wells
         Fargo Bank Minnesota, N.A.

    B    I have confirmed that the Servicer is currently an approved FNMA or
         FHLMC servicer in good standing:

    C    I have confirmed that the Fidelity Bond, the Errors and omission
         Insurance policy and any other bonds required under the terms of the
         Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement
         and/or Seller/Servicer Guide are in full force and effect;

    D    All premiums for each Hazard insurance Policy, Flood Insurance Policy
         (if applicable) and Primary Mortgage Insurance Policy (if applicable),
         with respect to each  Mortgaged Property, have been paid and that all
         such insurance policies are in full force and effect;

    E    All real estate taxes, government assessments and any other expenses
         accrued and due, that if not paid could result in a lien or encumbrance
         on any  Mortgaged Property, have been paid, or if and such costs or
         expenses have not been paid with respect to any Mortgaged Property, the
         reason for the non-payment has been reported.

    F    All custodial Accounts have been reconciled and are properly funded;
         and

    G    All annual reports of Foreclosure and Abandonment of Mortgage Property
         required per section  6050H,  6050J and 6050P of the Internal Revenue
         Code, respectively, have been prepared and filed.



    Certified By:

    Officer: Michael Greenwood

    Title: Vice President of Servicing

    7-10-01
    Date