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, 1997

/   /  Transition report pursuant to section 13 or 15(d) of the Securities
       Exchange Act of 1934

Commission File No.:  333-21263-20



                         Norwest Asset Securities Corporation,
                Mortgage Pass-Through Certificates, Series 1997-20 Trust
                 (Exact name of registrant as specified in its charter)

New York                                            52-2069972
(State or other jurisdiction                        (I.R.S. Employer
of incorporation or organization)                   Identification No.)


c/o Norwest Bank Minnesota, N.A.
11000 Broken Land Parkway
Columbia, MD                                         21044
(Address of principal executive                     (Zip Code)
offices)

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



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

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



     Indicate  by check mark  whether the  registrant  (1) has filed all reports
required to be filed by Section 13 or 15(d) of the  Securities  Exchange  Act of
1934  during  the  preceding  12 months  (or for such  shorter  period  that the
registrant was required to file such reports),  and (2) has been subject to such
filing requirements for the past 90 days.

Yes    X                No__


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 30, 1998,  on behalf of
Norwest Asset Securities Corporation, Mortgage Pass-Through Certificates, Series
1997-20  Trust (the  "Trust"),  established  pursuant to a Pooling and Servicing
Agreement among Norwest Asset Securities Corporation, as Seller, Norwest
Bank Minnesota,  National Association, as Master Servicer, United States Trust
Company  of New York,  as  Trustee,  and First  Union  National  Bank,  as Trust
Administrator,  pursuant  to which the  Norwest  Asset  Securities  Corporation,
Mortgage  Pass-Through   Certificates,   Series  1997-20  registered  under  the
Securities Act of 1933 (the "Certificates") were issued.
Item 14 of the Original Form 10-K is amended to read in its entirety 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, 1997.

               (a)  Columbia National, Inc., as Servicer<F1>
               (b)  Temple Inland Financial Services, Inc., as Subservicer<F1>
               (c)  First Union Mtg. Corp., as Servicer<F1>
               (d)  FT Mortgage Companies, as Servicer<F1>
               (e)  Great Financial Mortgage, as Servicer <F1>
               (f)  Norwest Mortgage, Inc., as servicer <F1>
               (g)  Sun Trust Mortgage, Inc., as servicer <F1>
               (h)  The Huntington Mortgage Co., as servicer <F1>

          99.2  Report of Management  as to  Compliance  with Minimum  Servicing
                Standards for the year ended  December 31, 1997.

               (a)  Columbia National, Inc., as Servicer<F1>
               (b)  Temple Inland Financial Services, Inc., as Subservicer<F1>
               (c)  First Union Mtg. Corp., as Servicer<F1>
               (d)  FT Mortgage Companies, as Servicer<F1>
               (e)  Great Financial Mortgage, as Servicer <F1>
               (f)  Norwest Mortgage, Inc., as servicer <F1>
               (g)  Sun Trust Mortgage, Inc., as servicer <F1>
               (h)  The Huntington Mortgage Co., as servicer <F1>

          99.3  Annual Statements of Compliance  under the Pooling and Servicing
                Agreements for the year ended  December 31, 1997.

               (a)  Columbia National, Inc., as Servicer<F1>
               (b)  Temple Inland Financial Services, Inc., as Subservicer<F1>
               (c)  First Union Mtg. Corp., as Servicer<F1>
               (d)  FT Mortgage, as Servicer<F1>
               (e)  Great Financial Mortgage, as Servicer <F2>
               (f)  Norwest Mortgage, as servicer <F1>
               (g)  Sun Trust Mortgage Inc., as servicer <F1>
               (h)  The Huntington Mortgage Co., as servicer <F1>

          99.4  Aggregate Statement of Principal and Interest
                Distributions to Certificate Holders.<F3>

(b)  No 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> Not provided to the reporting person.

<F3> 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:


                      Norwest Asset Securities Corporation,
                       Mortgage Pass-Through Certificates,
                               Series 1997-20 Trust


Signed     NORWEST BANK MINNESOTA, N.A.,
           as Master Servicer
By:        /s/Sherri J. Sharps

By:        Sherri J. Sharps
Title:     Vice President
Dated:     2/15/2000



EXHIBIT INDEX

Exhibit No.

99.1 Annual  Independent  Accountants'  Servicing Reports  concerning  servicing
     activities for the year ended December 31, 1997.

               (a)  Columbia National, Inc., as Servicer<F1>
               (b)  Temple Inland Financial Services, Inc., as Subservicer<F1>
               (c)  First Union Mtg. Corp., as Servicer<F1>
               (d)  FT Mortgage Companies, as Servicer<F1>
               (e)  Great Financial Mortgage, as Servicer<F1>
               (f)  Norwest Mortgage, Inc., as servicer <F1>
               (g)  Sun Trust Mortgage Inc., as servicer <F1>
               (h)  The Huntington Mortgage Co., as servicer <F1>

99.2 Report of Management as to Compliance with Minimum Servicing  Standards for
     the year ended December 31, 1997.

               (a)  Columbia National, Inc., as Servicer<F1>
               (b)  Temple Inland Financial Services, Inc., as Subservicer<F1>
               (c)  First Union Mtg. Corp., as Servicer<F1>
               (d)  FT Mortgage Companies, as Servicer<F1>
               (e)  Great Financial Mortgage, as Servicer<F1>
               (f)  Norwest Mortgage, as servicer <F1>
               (g)  Sun Trust Mortgage Inc., as servicer <F1>
               (h)  The Huntington Mortgage Co., as servicer <F1>

99.3 Annual Statements of Compliance for the year ended December 31, 1997.

               (a)  Columbia National, Inc., as Servicer<F1>
               (b)  Temple Inland Financial Services, Inc., as Subservicer<F1>
               (c)  First Union Mtg. Corp., as Servicer<F1>
               (d)  FT Mortgage, as Servicer<F1>
               (e)  Great Financial Mortgage, as Servicer<F2>
               (f)  Norwest Mortgage, as servicer <F1>
               (g)  Sun Trust Mortgage Inc., as servicer <F1>
               (h)  The Huntington Mortgage Co., as servicer <F1>

99.4 Aggregate Statement of Principal and Interest  Distributions to
     Certificate Holders<F3>


<F1> Filed herewith.

<F2> Not provided to the reporting person.

<F3> Previously filed.