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.:   333-45578-01

               Wells Fargo Asset Securities Corporation
               Mortgage Asset-Backed Pass-Through Certificates
               Series 2000-1 Trust
              (Exact name of registrant as specified in its charter)



New York                           52-2285328
(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 22, 2001, on behalf of
Wells Fargo Asset Securities Corporation Series 2000-1 Trust established
pursuant to the Pooling and Servicing Agreement among Wells Fargo Asset
Securities Corporation as Seller and Wells Fargo Minnesota, National Association
as Master Servicer and United States Trust Company of New York as Trustee and
First Union National Bank as Trust Administrator, pursuant to which the Wells
Fargo Asset Securities Corporation Series 2000-1 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)   Bank United (TX) <F1>
                     b)   Cendant Mortgage Corporation <F1>
                     c)   Bank of America FSB (VA) <F1>
                     d)   ABN AMRO Mortgage Group <F1>
                     e)   First Nationwide Mortgage Corporation <F1>
                     f)   National City Mortgage Company <F1>
                     g)   Wells Fargo Home Mortgage, Inc. <F1>
                     h)   First Union Mortgage Corporation <F1>
                     i)   Countrywide Funding <F1>
                     j)   First Horizon Home Loan Corporation <F1>
                     k)   Downey Savings <F1>

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

                     a)   Bank United (TX) <F1>
                     b)   Cendant Mortgage Corporation <F1>
                     c)   Bank of America FSB (VA) <F1>
                     d)   ABN AMRO Mortgage Group <F1>
                     e)   First Nationwide Mortgage Corporation <F1>
                     f)   National City Mortgage Company <F1>
                     g)   Wells Fargo Home Mortgage, Inc. <F1>
                     h)   First Union Mortgage Corporation <F1>
                     i)   Countrywide Funding <F1>
                     j)   First Horizon Home Loan Corporation <F1>
                     k)   Downey Savings <F1>

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

                     a)   Bank United (TX) <F1>
                     b)   Cendant Mortgage Corporation <F1>
                     c)   Bank of America FSB (VA) <F1>
                     d)   ABN AMRO Mortgage Group <F1>
                     e)   First Nationwide Mortgage Corporation <F1>
                     f)   National City Mortgage Company <F1>
                     g)   Wells Fargo Home Mortgage, Inc. <F1>
                     h)   First Union Mortgage Corporation <F1>
                     i)   Countrywide Funding <F1>
                     j)   First Horizon Home Loan Corporation <F1>
                     k)   Downey Savings <F1>

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

            (b) On October 26, 2000, a report on Form 8-K was filed in order to
                provide the Pooling and Servicing Agreement for the
                Certificates.

                On December 11, 2000, and January 8, 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.

            (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 Asset-Backed Pass-Through Certificates
Series 2000-1 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 25, 2002


Exhibit Index

Exhibit No.

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

                     a)   Bank United (TX) <F1>
                     b)   Cendant Mortgage Corporation <F1>
                     c)   Bank of America FSB (VA) <F1>
                     d)   ABN AMRO Mortgage Group <F1>
                     e)   First Nationwide Mortgage Corporation <F1>
                     f)   National City Mortgage Company <F1>
                     g)   Wells Fargo Home Mortgage, Inc. <F1>
                     h)   First Union Mortgage Corporation <F1>
                     i)   Countrywide Funding <F1>
                     j)   First Horizon Home Loan Corporation <F1>
                     k)   Downey Savings <F1>

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

                     a)   Bank United (TX) <F1>
                     b)   Cendant Mortgage Corporation <F1>
                     c)   Bank of America FSB (VA) <F1>
                     d)   ABN AMRO Mortgage Group <F1>
                     e)   First Nationwide Mortgage Corporation <F1>
                     f)   National City Mortgage Company <F1>
                     g)   Wells Fargo Home Mortgage, Inc. <F1>
                     h)   First Union Mortgage Corporation <F1>
                     i)   Countrywide Funding <F1>
                     j)   First Horizon Home Loan Corporation <F1>
                     k)   Downey Savings <F1>

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

                     a)   Bank United (TX) <F1>
                     b)   Cendant Mortgage Corporation <F1>
                     c)   Bank of America FSB (VA) <F1>
                     d)   ABN AMRO Mortgage Group <F1>
                     e)   First Nationwide Mortgage Corporation <F1>
                     f)   National City Mortgage Company <F1>
                     g)   Wells Fargo Home Mortgage, Inc. <F1>
                     h)   First Union Mortgage Corporation <F1>
                     i)   Countrywide Funding <F1>
                     j)   First Horizon Home Loan Corporation <F1>
                     k)   Downey Savings <F1>

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

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



EX-99.1 (a)

    KPMG  (logo)

    700 Louisiana
    Houston, TX 77002
    Telephone 713 319 2000
    Fax 713 319 2041

    Independent Accountants' Report

    The Board of Directors Bank United:

    We have examined management's assertion about Bank United and subsidiaries'
    (the Bank) 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 September 30, 2000,
    included in the accompanying Management Assertion. Management is responsible
    for the Bank's compliance with those minimum servicing standards.  Our
    responsibility is to express an opinion on management's assertion about the
    Bank'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 Bank'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 Bank's compliance with the
    minimum servicing standards.


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



    October 23, 2000



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
Bank of America Corporate Center
100 North Tryon Street
Suite 5400
Charlotte NC 28202
Telephone (704) 344 7500
Facsimile (704) 344 4100


                       Report of Independent Accountants

     To the Board of Directors and Shareholder
     of Bank of America, N.A.

    We have examined management's assertion about compliance by BA Mortgage, LLC
    and the mortgage division of Bank of America, N.A. (collectively the
    "Company"), which together comprise an operating division of Bank of
    America, N.A., 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.

    January 25, 2001


   EX-99.1 (d)

    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 ABN 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 (e)

   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 (f)

ERNST&YOUNG    (logo)
Ernst & Young LLP
1300 Huntington Building
925 Euclid Avenue
Cleveland, Ohio 44115-1405
Phone: (216) 861-5000
www.ey.com

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

                          Report of Independent Accountants

          Board of Directors
          National City Mortgage Co.

          We have examined management's assertion, included in the accompanying
          report titled Report of Management, that National City Mortgage Co.
          (NCM) 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 NCM's compliance with those
          requirements. Our responsibility is to express an opinion on
          management's assertions about NCM'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 NCM'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 NCM's
          compliance with specified requirements.

          In our opinion, management's assertion, that NCM 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
          audit committee, management, Federal Home Loan Mortgage Corporation,
          Federal National Mortgage Association, Government National Mortgage
          Association and NCM private investors and is not intended to be and
          should not be used by anyone other than these specified parties.

          February 2, 2001



EX-99.1 (g)

2500 Ruan Center
666 Grand Avenue
Des Moines, IA 50309


INDEPENDENT ACCOUNTANTS' REPORT

The Board of Directors
Wells Fargo Home Mortgage:

We have examined management's assertion about Wells Fargo Home Mortgage'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 Wells Fargo
Home Mortgage'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 Wells Fargo Home Mortgage'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 Wells Fargo Home Mortgage's compliance with
the minimum servicing standards.

In our opinion, management's assertion that Wells Fargo Home Mortgage complied
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 (h)

KPMG (logo)
401 South Tryon Street
Suite 2300
Charlotte, NC 28202-1911

Independent Accountants' Report

The Board of Directors
First Union Mortgage Corporation

    We have examined management's assertion, included in the accompanying
    management assertion, that First Union Mortgage Corporation (a wholly-owned
    subsidiary of First Union Corporation) materially complied 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 the year ended December 31, 2000. Management is responsible
    for First Union Mortgage Corporation's compliance with those minimum
    servicing standards. Our responsibility is to express an opinion on
    management's assertion about First Union Mortgage Corporation'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 First Union
    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
    First Union Mortgage Corporation's compliance with the minimum servicing
    standards.

    In our opinion, management's assertion that First Union Mortgage Corporation
    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.


    March 20, 2001



   KPMG LLP. KPMG LLP, a U.S. limited liability partnership, is a member of
   KPMG International, a Swiss association.




EX-99.1 (i)

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

               REPORT OF INDEPENDENT ACCOUNTANTS ON MANAGEMENT'S ASSERTION ON
               COMPLIANCE WITH MINIMUM SERVICING STANDARDS SET FORTH IN THE
               UNIFORM SINGLE ATTESTATION PROGRAM FOR MORTGAGE BANKERS



         Board of Directors
         Countrywide Credit Industries, Inc.

         We have examined management's assertion about Countrywide Credit
         Industries, Inc. and Subsidiaries (which includes its wholly-owned
         subsidiary, Countrywide Home Loans, Inc.) ("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 February 28, 2001
         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
         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 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 Countrywide Credit
         Industries, Inc. and Subsidiaries (which includes wholly-owned
         subsidiary, Countrywide Home Loans, Inc.) complied with the
         aforementioned minimum servicing standards as of and for the year ended
         February 28, 2001 is fairly stated, in all material respects.



         Los Angeles, California
         March 16, 2001



EX-99.1 (j)

    ARTHURANDERSEN   (logo)

    REPORT OF INDEPENDENT PUBLIC ACCOUNTANTS

    To the Stockholder of First Tennessee Mortgage Services, Inc.:   By

    We have examined management's assertion about First Tennessee Mortgage
    Services, Inc.'s (the "Company") compliance with the minimum servicing
    standards identified in the Mortgage Bankers Association of America's
    Uniform Sinple Attestation Promm for Mortgage Bankers (USAP) and that the
    Company had in effect a fidelity bond policy in the amount of $70,000,000
    and an errors and omissions policy in the amount of $50,000,000 as of and
    for the year ended December 31, 2000, included in the accompanying
    management assertion letter. 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 Company's compliance
    with the minimum servicing standards and maintenance of a fidelity bond and
    errors and omissions policy based on our exammation.

    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, except for the matters disclosed therein, management's
    assertion that the Company complied with the aforementioned minimum
    servicing standards and that the Company had in effect a fidelity bond
    policy in the amount of $70,000,000 and an errors and omissions policy in
    the amount of $50,000,000 as of and for the year ended December 31, 2000, is
    fairly stated, in all material respects.


    Memphis, Tennessee,
    February 16, 2001.



   EX-99.1 (k)

     KPMG       (logo)

     355 South Grand Avenue
     Suite 2000
     Los Angeles, CA 90071-1568



                    INDEPENDENT ACCOUNTANTS' REPORT



     The Board of Directors
     Downey Financial Corp.:


     We have examined management's assertion about Downey Financial Corp. and
     subsidiaries'(Downey) compliance 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 the year
     ended December 31, 2000 included in the accompanying management assertion.
     Management is responsible for Downey's compliance with those minimum
     servicing standards. Our responsibility is to express an opinion on
     management's assertion about Downey'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 Downey's compliance
     with the minimum servicing standards and perforiming 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 Downey's compliance with the
     minimum servicing standards.

     In our opinion, management's assertion that Downey Financial Corp. and
     subsidiaries 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 17, 2001




   EX-99.2 (a)

    3200 Southwest Freeway, Suite 2000
    Houston, Texas 77027
    P.O. Box 1370
    Houston, Texas 77251-1370
    Telephone 713/543-6500

    Bank United of Texas FSB

    BANK   (logo)
    UNITED



                            Management Assertion


    As of and for the year ended September 30, 2000, Bank United and
    subsidiaries' (the "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. As of and
    for this same year, the Bank had in effect a fidelity bond and errors and
    omissions policy in the amount of $40,000,000 and $25,000,000, respectively.



    Anthony J. Nocella                       Jonathon K. Heffron
    CFO & Vice President                     COO, Executive Vice President and
    October 23,2000                          General Counsel
                                             October 23, 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)

Bank of America  (logo)

BankofAmerica
100 North Tryon Street
Charlotte, NC 28255

Tel 704.332.2321

Exhibit 1

MANAGEMIENT'S ASSERTION CONCERNING COMPLIANCE
WITH THE USAP MINIMUM SERVICING STANDARDS

January 25, 2001

As of and for the year ended December 31, 2000, except as specifically
noted below, BA Mortgage, LLC and the Mortgage division of Bank of
America, N.A. (collectively, the "Company"), which together comprise an
operating division of Bank of America, N.A., has complied in all
material respects with the minimum servicing standards (the
"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, the following instance of
noncompliance with the Standards occurred; however, this instance has
been remedied and procedural enhancements continue to be implemented.

Standard: Custodial bank account and related bank clearing account
reconciliations shall be prepared within forty-five (45) calendar
days after the cutoff date and documented reconciling items shall be
resolved from these reconciliations within ninety (90) calendar days
of their original identification.

During the year ended December 31, 2000, management continued to
isolate and review reconciling items in custodial accounts related
to certain real estate mortgage investment conduits. For the months
January through May, reconciling items had been outstanding for more
than 90 days; as of December 31, 2000, no reconciling items had been
outstanding for more than 90 days

Management has taken definitive actions and implemented procedures and
controls to address and correct the instance of noncompliance which
occurred during 2000.

As of and for the year ended December 31, 2000, the Company was covered
by Bank of America Corporation's fidelity bond insurance coverage and
mortgage servicing errors and omissions insurance coverage in the
amounts of $275,000,000 and $275,000,000, respectively.


U S A (logo)


Kevin M. Shannon
President
Consumer Real Estate

Daniel F. Hellams
President
Bank of America Mortgage

Denise C. Sawyer
Chief Financial Officer
Bank of America Mortgage

Gary K. Bettin
Consumer Real Estate
Loan Servicing Executive
Bank of America Mortgage

J. Mark Hanson
Senior Vice President
Bank of America Mortgage

H. Randall Chestnut
Senior Vice President
Bank of America Mortgage

Jeanne Bader
Senior Vice President
Bank of America Mortgage



EX-99.2 (d)

    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 (e)

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 (f)

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

  Report of Management

         We, as members of management of National City Mortgage Co., (NCM),
         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 NCM'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, NCM complied, in all material respects, with the
         minimum servicing standards set forth in the USAP.

         As of and for this same period, NCM had in effect a fidelity bond and
         errors policy in the amount of $70 million and an omissions policy in
         the amount of $40 million.



         T. Jack Case Jr., Executive Vice President

         February 2. 2001



EX-99.2 (g)

      Wells Fargo Home Mortgage   (logo)
      1 Home Campus
      Des Moine, IA 50328-0001


                          Management Assertion



      As of, and for the year ended December 31,2000, Wells Fargo Home Mortgage
      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 the same period,
      Wells Fargo Home Mortgage had in effect a fidelity bond along with an
      errors and omissions policy in the amounts of $50 million and $10 million,
      respectively.



     Pete Wissinger                                    January 16, 2001
     Chief Executive                                   Date


     Geoff Dreyer                                      January 16, 2001
     Chief Financial Officer                           Date


     Mike Heid                                         January 16, 2001
     Executive Vice President Loan Servicing           Date



EX-99.2 (h)

FIRST UNION (logo)

First Union Mortgage Corporation
NC1087
201 South College Street
Charlotte, NC 28288-1087
Tel 704 374-6787

MANAGEMENT'S ASSERTION

As of and for the year ended December 31, 2000, First Union Mortgage Corporation
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 the year ended December
31, 2000, First Union Mortgage Corporation had in effect a fidelity bond and
errors and omissions policy in the amount of $200 million and $20 million,
respectively.



Debra M. Warren, President/                  March 20, 2001
Chief Executive Officer                           Date



Debbie Craig, Sr. Vice President/            March 20, 2001
Chief Financial Officer                           Date



Tim Schuck, Vice President/                  March 20, 2001
Director of Servicing                            Date



Joseph F. DeDominicis, Vice President/       March 20, 2001
Operational and Credit Risk Manager              Date



   EX-99.2 (i)

Countrywide  (logo)

4500 Park Granda
Calabasas, CA  91302

(818)225-3000

March 16, 2001

Grant Thornton LLP
1000 Wilshire Boulevard, Suite 300
Los Angeles, CA 90017

Gentlemen:

As of and for the year ended February 28, 2001, Countrywide Credit
Industries, Inc. and Subsidiaries (which includes its wholly-owned
subsidiary, Countrywide Home Loans, Inc.) ("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 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
$230,000,000.

Carlos M. Garcia
Senior Managing Director,
Chief Financial Officer

(P:/gt/2001/3-16-01 USAP)





EX-99.2 (j)

    FIRST
    HORIZON           (logo)
    HOME LOANS

    Arthur Andersen L.L.P.
    100 Peabody Place, Suite 1100
    Memphis, TN 38103-3625

    Dear Sirs:

    As of and for the year ended December 31, 2000, First Horizon Home Loan
    Corporation and its wholly-owned subsidiary, First Tennessee Mortgage
    Services, Inc. (the "Company") has complied in all material respects, except
    for the matters disclosed in Exhibit 1, 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 policy in the amount of
    $70,000,000 and an errors and omissions policy in the amount of $50,000,000.


    Peter F. Makowiecki
    Chief Financial Officer

    February 16, 2001



EX-99.2 (k)

DOWNEY FINANCIAL CORP.

Management's Report on Compliance
with Minimum Servicing Standards




As of and for the year ended December 31, 2000, Downey Financial Corp. and
subsidiaries (Downey) 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, Downey had in effect a fidelity bond in the amount of $15 million
limit per loss incident and aggregate coverage of $30 million.  Downey also
had an errors and omissions policy in the amount of $15 million as of and for
the same period.




Daniel D.Rosenthal
President and Chief Executive Officer


Thomas E Prince
Executive Vice President
Chief Financial Officer




January 17, 2001


Downey Financial Corp.
3501 Jamboree Road * P.O. Box 6000 * Newport Beach, CA 92658-6000 *
(949) 509-4500



EX-99.3 (a)

    3200 Southwest Freeway, Houston, Texas 77027
    P.O. Box 2824, Houston, Texas
    713/543-8675, 800/288-3223

    BANK
    UNITED (logo)

    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 Tyrone W. Crawley

Vice President
Title

3-27-01
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)

               ANNUAL OFFICER CERTIFICATION

    In accordance with the Servicing Agreement, I, the undersigned, hereby
    certify as to each Mortgage Loan being serviced by Bank of
    America, N.A. the following:

    1.  I am a duly authorized officer of Bank of America, N.A. and am empowered
        and authorized to issue this Annual Certification.

    2.  All taxes, ground rents and assessments for the Mortgages covered herein
        have been paid.

    3.  All insurance premiums for flood or other casualty insurance, and FHA
        premiums or Private Mortgage premiums on conventional loans have been
        paid and are in full force.

    4.  Interest is being paid on escrow in accordance to any laws, regulations,
        or contracts that require payment of interest on mortgagors'
        escrow deposit accounts.

    5.  Analysis has been made to ensure sufficient money was collected in the
        escrow year.

    6.  All required interest rate and/or monthly payment adjustments for ARM
        loans were made in accordance with the mortgage terms, and timely and
        proper notice was provided to the mortgagors.

    7.  With respect to FHA Section 221 mortgages that have reached the 20th
        anniversary of their endorsement, we will assign those mortgages that
        are eligible for assignment under HUD's special assignment procedures if
        requested on a loan by loan basis by the investor.

    8.  We have reported all ninety day delinquencies, completed foreclosures,
        accepted deed-in-lieu, and reinstated mortgages to the major credit
        repositories in accordance with our reporting requirements.

    9.  Property inspections have been made where appropriate.

   10.  We have complied with the Internal Revenue Service's requirements for
        reporting the receipt of $600 or more of interest payments (IRS 1098)
        from a mortgagor, for filing statements for recipients of miscellaneous
        income (IRS  1099-Misc) to report payments of fees to attorneys for
        handling liquidation proceedings, and for filing notices of acquisition
        of abandonment of secured property (IRS 1099-A) to report the
        acquisition of property by foreclosure or acceptance of a deed-in-lieu
        or by a mortgagor's abandonment of a property.

   11.  The Fidelity Bond and Errors and Omissions Coverage has been reviewed.
        All required coverage is in existence and none of our principal officers
        have been removed from coverage.

   12.  A viable contingency plan is in place to minimize financial loss and
        disruptions of service to the institution and its customers, as required
        by federal regulations.

   I FURTHER CERTIFY:

         A. To the best of my knowledge and upon reasonable investigation, the
            servicing of the Mortgage Loans during the year of 2000 has been
            conducted in compliance with the Agreement except for such
            exceptions as I am setting forth below.

            Exceptions (if any): None

         B. A review of activities with respect to performance under the
            Agreement has been made under my supervision and to the best of my
            knowledge, based on such review, no default exists as of 12/31/00
            in the fulfillment of any obligations under the Agreement other than
            the events of default, if any, which I am listing below with the
            nature and status thereof.


            Events of Default (if any): None

                Bank of America, N.A.

                Robert K Vanderberry
                Investor Services - Kentucky
                Senior Vice President



EX-99.3 (d)

    ABN-AMRO   (logo)

    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 (e)

   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 (f)


National City   (logo)
Mortgage


National City Mortgage Co.
3232 Newmark Drive
Miamisburg, Ohio 45342
Telephone (937) 910-1200
Mailing Address:
P.O. Box 1820
Dayton, Ohio 45401-1820



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

           RE:  Annual Officer's Servicing Certification

      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 nonpayment 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 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  (Charles M. Abourezk)

       National City Mortgage
       Company

       Vice President
       Title

       March 19, 2001
       Date


       No One Cares More!



EX-99.3 (g)

      WELLS FARGO HOME MORTGAGE (Logo)
      One Home Campus
      Des Moines, IA 50328-0001


      March 20, 2001

      Re: 2000 Annual Certification

      We hereby certify to the best of our knowledge and belief that for the
      calendar year of 2000:

      1. All real estate taxes, bonds assessments and other lienable items
         have been paid.

      2. All FHA mortgage insurance, private mortgage insurance premiums, and
         flood insurance have been paid (if applicable).

      3. Hazard insurance policies held by us meet the requirements as specified
         in the servicing agreement or those of a normal prudent lender if
         not specified, and those premiums due have been paid.

      4. We have made all property inspections as required.

      5. Fidelity bond and Errors and Omissions insurance coverage currently
         exists.

      6. That the Officer signing this certificate has 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 or similar agreements
         and to the best of this officer's knowledge, the Servicer has fulfilled
         all of its duties, responsibilities or obligations of such agreement
         throughout the 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.


      Sincerely,


      John B. Brown
      Vice President
      Wells Fargo Home Mortgage, Inc.



EX-99.3 (h)

       First Union Mortgage Corporation   (logo)
       P.O. Box 900001
       Raleigh, North Carolina 27675-9001

       1100 Corporate Center Drive
       Raleigh, North Carolina 27607-5066


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

       Attention: Master Servicing

       RE: Officer's Certificate

       Dear Master Servicer:

       Tbe 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 prepared
           and filed.


     Certified By:

     Officer

     Assistant Vice President
     Title


     20 June 2001
     Date




EX-99.3 (i)

Countrywide   (logo)
HOME LOANS
400 Countrywide Way SV.44
Simi Valley, California 93065-6298
(805) 520-5100


                             OFFICER'S CERTIFICATE

I, Joseph Candelario, hereby certify that I am the First Vice President, Loan
Administration of Countrywide Home Loans, Inc., aka Countrywide Funding
Corporation and further certifies the following for the fiscal year ended
February 28, 2001.

     (A) That 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.

     (B) That all accrued and due real estate taxes, governmental assessments
         and any other expenses, that if not paid could result in a lien or
         encumbrance on any Mortgaged Property, have been paid with respect to
         any Mortgaged Property, the reason for non-payment has been reported
         to your designated representative.

     (C) That the Officer signing this certificate has 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
         the Officer knowledge, the Servicer has fulfilled all of its duties,
         responsibilities or obligation under these Agreements throughout such
         year, or if there has been a default or failure of the Servicer to
         perform on such duties, responsibilities or obligations, a
         description of each default or failure and the nature and status
         thereof has been reported to your designated representative:

     (D) That this Officer has confirmed that the Fidelity Bond, the Error 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.


Joseph Candelario
First Vice President                                      Date

Compliance Officer
Loan Administration



EX-99.3 (j)


                        ANNUAL SERVICING CERTIFICATION

In connection with the loans serviced by First Horizon Home Loans (formerly FT
Mortgage Companies) during the fiscal year December 31, 2000, we confirm the
following to be materially correct and accurate to the best of our knowledge,
information and belief.

1.  Real etate taxes, special assessments and any charges that may become a
    lien upon the property and which come due in the last calendar year have
    been paid. This also includes the verification with taxing authorities for
    non-escrowed mortgages.
2.  FHA insurance premiums or private mortgage insurance premiums, if
    applicable, have been paid and are in full force and effect.
3.  Properties are adequately insured and your interest, as Mortgagee, is
    properly provided for in the mortgage clause. This includes both flood
    and hazard insurance.
4.  For those loans being escrowed for the payment of taxes and insurance,
    sufficient amounts are being collected monthly to provide for payment of
    future items.
5.  Property inspections have been completed according to the provisions of
    our servicing agreement, if applicable.
6.  All other provisions of the servicing agreement have been adhered to.
7.  To the extent there exist any exceptions to the foregoing that are deemed
    to be material in nature, such exception(s) will be recited in an Exhibit
    attached hereto and accompanied by an explanation thereof. In the event
    no Exhibit is attached hereto, it is to be presumed that no exceptions of a
    material nature to the foregoing exist.

    By:

    (Signature)
    Sheryl Court

    (Printed Name)

    Vice President
    (Title)


    (Date)



EX-99.3 (k)

    DOWNEY SAVINGS   (logo)

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


    RE: Officers 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 Mortgage 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 Norwest Bank Minnesota, N.A.;

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

(G)   All annual reports or 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



Title


Date



DOWNEY SAVING AND LOAN ASSOCIATION, F.A.
Corporate Headquarters:  3501 Jamboree Road
P.O. Box 6000 - Newport Beach, California 92658-949/854-3100