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.:   333-65481-49

                       Wells Fargo Asset Securities Corporation
                       Mortgage Pass-Through Certificates
                       Series 2000-14 Trust
        (Exact name of registrant as specified in its charter)



New York                           52-2307272
(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 2000-14 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 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 2000-14 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)   HSBC Bank, USA <F1>
                     c)   Branch Banking & Trust <F1>
                     d)   Washington Mutual, Inc. <F1>
                     e)   Old Kent Mortgage Company <F1>
                     f)   Colonial S&L Association <F1>
                     g)   CUNA <F3>
                     h)   Homeside Lending, Inc (FL) <F1>
                     i)   First Nationwide Mortgage Corporation <F1>
                     j)   National City Mortgage <F1>
                     k)   Chevy Chase FSB <F1>
                     l)   First Union Mortgage Corporation <F1>
                     m)   Huntington Mortgage Company <F1>
                     n)   Countrywide Funding <F1>
                     o)   First Horizon Home Loan Corporation <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)   HSBC Bank, USA <F1>
                     c)   Branch Banking & Trust <F1>
                     d)   Washington Mutual, Inc. <F1>
                     e)   Old Kent Mortgage Company <F1>
                     f)   Colonial S&L Association <F1>
                     g)   CUNA <F3>
                     h)   Homeside Lending, Inc (FL) <F1>
                     i)   First Nationwide Mortgage Corporation <F1>
                     j)   National City Mortgage <F1>
                     k)   Chevy Chase FSB <F1>
                     l)   First Union Mortgage Corporation <F1>
                     m)   Huntington Mortgage Company <F1>
                     n)   Countrywide Funding <F1>
                     o)   First Horizon Home Loan Corporation <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)   HSBC Bank, USA <F1>
                     c)   Branch Banking & Trust <F1>
                     d)   Washington Mutual, Inc. <F1>
                     e)   Old Kent Mortgage Company <F3>
                     f)   Colonial S&L Association <F1>
                     g)   CUNA <F1>
                     h)   Homeside Lending, Inc (FL) <F1>
                     i)   First Nationwide Mortgage Corporation <F1>
                     j)   National City Mortgage <F1>
                     k)   Chevy Chase FSB <F1>
                     l)   First Union Mortgage Corporation <F1>
                     m)   Huntington Mortgage Company <F1>
                     n)   Countrywide Funding <F1>
                     o)   First Horizon Home Loan Corporation <F1>


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

            (b)  On December 21, 2000, a report on Form 8-K was filed in order
                 to provide the Pooling and Servicing Agreement for 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.
<F3>  Such document is not filed herewith since document was not recieved by the
      reporting person.


                           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 2000-14 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)   HSBC Bank, USA <F1>
                     c)   Branch Banking & Trust <F1>
                     d)   Washington Mutual, Inc. <F1>
                     e)   Old Kent Mortgage Company <F1>
                     f)   Colonial S&L Association <F1>
                     g)   CUNA <F3>
                     h)   Homeside Lending, Inc (FL) <F1>
                     i)   First Nationwide Mortgage Corporation <F1>
                     j)   National City Mortgage <F1>
                     k)   Chevy Chase FSB <F1>
                     l)   First Union Mortgage Corporation <F1>
                     m)   Huntington Mortgage Company <F1>
                     n)   Countrywide Funding <F1>
                     o)   First Horizon Home Loan Corporation <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)   HSBC Bank, USA <F1>
                     c)   Branch Banking & Trust <F1>
                     d)   Washington Mutual, Inc. <F1>
                     e)   Old Kent Mortgage Company <F1>
                     f)   Colonial S&L Association <F1>
                     g)   CUNA <F3>
                     h)   Homeside Lending, Inc (FL) <F1>
                     i)   First Nationwide Mortgage Corporation <F1>
                     j)   National City Mortgage <F1>
                     k)   Chevy Chase FSB <F1>
                     l)   First Union Mortgage Corporation <F1>
                     m)   Huntington Mortgage Company <F1>
                     n)   Countrywide Funding <F1>
                     o)   First Horizon Home Loan Corporation <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)   HSBC Bank, USA <F1>
                     c)   Branch Banking & Trust <F1>
                     d)   Washington Mutual, Inc. <F1>
                     e)   Old Kent Mortgage Company <F3>
                     f)   Colonial S&L Association <F1>
                     g)   CUNA <F1>
                     h)   Homeside Lending, Inc (FL) <F1>
                     i)   First Nationwide Mortgage Corporation <F1>
                     j)   National City Mortgage <F1>
                     k)   Chevy Chase FSB <F1>
                     l)   First Union Mortgage Corporation <F1>
                     m)   Huntington Mortgage Company <F1>
                     n)   Countrywide Funding <F1>
                     o)   First Horizon Home Loan Corporation <F1>


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

<F1>  Filed herewith.
<F2>  Previously filed.
<F3>  Such document is not filed herewith since document was not received by the
      reporting person.


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 Program for 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)

    KPMG   (logo)

    12 Fountain Plaza, Suite 601
    Buffalo, NY 14202

    Independent Accountants' Report

    The Board of Directors HSBC Bank USA:

    We have examined management's assertion about HSBC Mortgage Corporation
    (USA)'s 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 HSBC Mortgage Corporation (USA)'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 HSBC Mortgage
    Corporation (USA)'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
    HSBC Mortgage Corporation (USA)'s compliance with the minimum servicing
    standards.

    In our opinion, management's assertion that HSBC Mortgage Corporation (USA)
    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.



    Buffalo, New York
    February 13, 2001



EX-99.1 (c)

    ARTHUR ANDERSEN  (logo)


    Report of Independent Public Accountants

    To BB&T Corporation:

    We have examined management's assertion about BB&T 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) and that BB&T Corporation had in effect a fidelity bond and
    errors and omissions policy in the amount of $30,000,000 and $25,000,000,
    respectively, as of December 31, 2000, included in the accompanying report
    of management. Effective April 1, 2000, BB&T Corporation increased its
    errors and omissions policy from $20,000,000 to $25,000,000. Management is
    responsible for BB&T Corporation'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 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 BB&T 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 BB&T Corporation's compliance with
    the minimum servicing standards.

    In our opinion, management's assertion that BB&T Corporation complied with
    the aforementioned minimum servicing standards and that BB&T Corporation had
    in effect a fidelity bond and errors and omissions policy in the amount of
    $30,000,000 and $25,000,000, respectively, as of December 31, 2000, is
    fairly stated, in all material respects.

    Charlotte, North Carolina,
    January 26, 2001.




EX-99.1 (d)


Deloitte & Touche LLP
Suite 4500
700 Fifth Avenue
Seattle Washington 98104-5044

Tel: (206) 292-1800
Fax: (206) 343-7809

Deloitte
&Touche  (logo)


INDEPENDENT ACCOUNTANTS' REPORT ON
COMPLIANCE WITH UNIFORM SINGLE ATTESTATION
PROGRAM FOR MORTGAGE BANKERS

Audit Committee of the Board of Directos
Washington Mutual, Inc.

We have examined management's assertion about Washington Mutual, Inc's (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 in 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 complied with the
aforementioned minimum servicing standards as of and for the year ended December
31, 2000, is fairly stated, in all material respects.



EX-99.1 (e)

    ARTHURANDERSEN   (logo)

    INDEPENDENT ACCOUNTANT'S REPORT

    To the Shareholder and The Board of Directors of
    Old Kent Mortgage Services, Inc.:

    We have examined management's assertion about Old Kent Mortgage 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) and that Old Kent Mortgage Services, Inc. had in
    effect a fidelity bond and errors and omissions policy in the amount of
    $50,000,000 and $20,000,000, respectively as of and for the year ended
    December 31, 2000 included in the accompanying Management Representation
    Letter. Management is responsible for Old Kent Mortgage Services, Inc.'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 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 Old Kent Mortgage
    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
    Old Kent Mortgage Services, Inc.'s compliance with the minimum servicing
    standards.

    In our opinion, management's assertion that Old Kent Mortgage Services, Inc.
    complied with the aforementioned minimum servicing standards and that Old
    Kent Mortgage Services, Inc. had in effect a fidelity bond and errors and
    omissions policy in the amount of $50,000,000 and $20,000,000, respectively
    as of and for the year ended December 31, 2000 is fairly stated, in all
    material respects.



    Chicago, Illinois
     March 16, 2001



EX-99.1 (f)

    PRICEWATERHOUSECOOPERS      (logo)

    PricewaterhouseCoopers LLP
    301 Commerce Street
    City Center Tower 11
    Suite 1900
    Fort Worth TX 76102-4183
    Telephone (817) 810 9998
    Facsimile (817) 877 2260
    (817) 332 2710

    Report of Independent Accountants

    Board of Directors
    Colonial Savings, F.A.
    Fort Worth, Texas


    We have examined management's assertion about Colonial Savings, FA.(the
    Company's) compliance with the minimum 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 (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 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 the Company complied with the
    aforementioned minimum servicing standards as of and for the year ended
    September 30, 2000 is fairly stated, in all material respects.

    November 22, 2000




EX-99.1 (h)

    KPMG    (logo)

    Suite 2700, Independent Square
    One Independent Drive
    PO. Box 190
    Jacksonville, FL 32201-0190

    Independent Auditors' Report


    The Board of Directors
    HomeSide Lending, Inc.:


    We have examined management's assertion about HomeSide Lending, Inc. and
    subsidiaries' (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 and that the Company had in
    effect a fidelity bond and errors and omissions policy in the amount of $76
    million and $20 million., respectively, as of and for the year ended
    September 30, 2000, included in the accompanying management assertion letter
    dated December 1, 2000. 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 HomeSide Lending, Inc. and
    subsidiaries has complied in all material respects with the aforementioned
    minimum servicing standards and that the Company had in effect a fidelity
    bond and errors and omissions policy in the amount of $76 million and $20
    million, respectively, as of and for the year ended September 30, 2000 is
    fairly stated, in all material respects.


    December 1, 2000



EX-99.1 (i)

   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 (j)

        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 perfon-ning 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 (k)

   ARTHURANDERSEN  (logo)


   INDEPENDENT ACCOUNTANT'S REPORT


   To the Board of Directors of
   Chevy Chase Bank, F.S.B.:


    We have examined management's assertion about Chevy Chase Bank, F.S.B.'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 Chevy Chase Bank, F.S.B. had in effect a
    fidelity bond and errors and omissions policy in the amount of $40,000,000
    and $10,000,000, respectively, as of and for the year ended September 30,
    2000 included in the accompanying Management's Assertion on the Mortgage
    Bankers Association of America's Minimum Servicing Requirements. Management
    is responsible for Chevy Chase Bank, F.S.B.'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 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 Chevy Chase Bank,
    F.S.B.'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 Chevy Chase Bank,
    F.S.B.'s compliance with the minimum servicing standards.

    In our opinion, management's assertion regarding Chevy Chase Bank, F.S.B.'s
    compliance with the aforementioned minimum servicing standards and that
    Chevy Chase Bank, F.S.B. had in effect a fidelity bond and errors and
    omissions policy in the amount of $40,000,000 and $10,000,000, respectively,
    as of and for the year ended September 30, 2000 is fairly stated, in all
    material respects.

    Vienna, VA
    December 7, 2000



EX-99.1 (l)

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 (m)

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) dming 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-99.1 (n)

    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 (o)


    ARTHURANDERSEN   (logo)

    REPORT OF INDEPENDENT PUBLIC ACCOUNTANTS

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

    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 Single Attestation Program 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 there in, 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-99.2 (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)

HSBC (logo)

Management Assertion

As of and for the year ended December 31, 2000, HSBC Mortgage Corporation (USA)
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, HSBC
Mortgage Corporation (USA) had in effect fidelity bond and errors and omissions
policies in the amount of $508,000,000 and $50,000,000 respectively.


David J. Hunter
President

Daniel B. Duggan
SVP, Secondary Marketing

Susan Wojnar
SVP, Mortgage Servicing



HSBC Mortgage Corporation (USA)
2929 Walden Avenue, Depew, NY  14043



EX-99.2 (c)

BB&T (logo)

Branch Banking & Trust Co.
of South Carolina


P.O. Box 408
Greenville, SC 29602-0408
(864) 242-8585
(800) 295-5744

Management Assertion

March 10, 2001

Arthur Anderson LLP
100 North Tryon Street
Suite 3800
Charlotte, NC 28202-4000

As of and for the twelve months ended December 31, 2000, BB&T 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 this same period, BB&T Corporation
had in effect a fidelity bond in the amount of $30,000,000 and errors and
omissions policy in the amount of $25,000,000,

Timothy Y. Day
Senior Vice President, Mortgage Loan Servicing



EX-99.2 (d)

    Washington, Mutual  (logo)

    Loan Servicing
    9451 Corbin Ave
    M/S* N010101
    Northridge, CA 91324

    As of and for the 12 months ended December 31, 2000, Washington Mutual, 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 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 amounts of $110 million and S50 million,
    respectively.

    Craig S. Davis                     Davi Imig
    President                          Senior Vice President
    Washington Mutual Home Loans &     Loan Servicing
    Insurance Services Group

    February 23, 2001




EX-99.2 (e)

OLD KENT   (logo)

Old Kent Mortgage Company
4420 44th Street SE, Suite B
Grand Rapids, MI 49S12-4011


As of and for the year ended December 31, 2000, Old Kent Mortgage Services, Inc.
has complied with the minimum servicing standards set forth in the Mortgage
Banking Association of America's Uniform Single Attestation Program for Mortgage
Bankers. As of and for this same period, OKMS had in effect a fidelity bond
coverage and errors and omissions policy in the amount of $50,000,000 and
$20,000.000. respectively.


Donald Britton                              Maijorie M. Dodd
President and CEO, OKMS                     Chief Financial Officer, OKMS

March 16,2001                               March 16, 2001



EX-99.2 (f)

Colonial
Savings  (logo)

Management's Assertion Concerning Compliance
With USAP Minimum Servicing Standards

November 22, 2000

As of and for the year ended September 30, 2000, Colonial Savings, F.A.
("Colonial") 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").

As of and for this same period, Colonial had in effect fidelity bond and errors
and omissions policy in the amounts of $7,500,000 and $7,500,000, respectively.

Jim E. DuBose
President/CE0

Donna Dempsey
EVP/Chief Financial Officer



2626A West Freeway Fort Worth, Texas 76102  817/390-2000


EX-99.2  (h)

HOMESIDE
LENDING, INC.  (logo)


Management Assertion Letter

As of and for the year ended September 30, 2000, HomeSide Lending, Inc. and
subsidiaries 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,
HomeSide Lending had in effect a fidelity bond and errors and omissions policy
in the amount of $76 million and $20 million, respectively.


William Glasgow, Jr.

December 1, 2000


Post Office Box 45298, Jacksonville, FL 32232-5298 1-800-874-0209




EX-99.1 (i)

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 (j)


         National City Mortgage Co.
         3232 Newmark Drive
         Miamisburg, Ohio 45342
         Telephone (937) 910-1200

         Mailing Address:
         P.O. Box 1820
         Dayton, Ohio 45401-1820

          Management's Assertion on Compliance with Minimum Servicing
          Standards Set Forth in the Uniform Single Attestation Programfor
          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 (k)

CHEVY CHASE BANK

Chevy Chase Bank
8401 Connecticut Avenue
Chevy Chase, Maryland 20815

Management's Assertion on the Mortgage Bankers Association of America's
Minimum Servicing Requirements

As of and for the year ended September 30, 2000, Chevy Chase Bank, F.S.B. (The
"Bank") has complied with the minimum servicing standards set forth in the
Mortgage Bankers Association of America's Uniform Single Attestation Program for
Mortgage Bankers, except for the requirement to maintain a minimum mortgage
servicing errors and omissions insurance coverage. On September 30, 2000, Chevy
Chase Bank, F.S.B. had in effect a fidelity bond and errors and omissions policy
in the amount of $40,000,000 and $l0,000,000, respectively. On September 30,
2000, the Bank had a mortgage servicing errors and omissions insurance coverage
requirement of $10,569,000. Subsequent to September 30, 2000, management
retroactively increased the Bank's errors and omissions insurance coverage to
continuously meet the minimum requirement.

Alexander R.M. Boyle
Vice Chairman of the Board


Stephen R. Halpin, Jr.
Executive Vice President and
Chief Financial Officer


Vicki L. Parry
Vice President



December 7, 2000




EX-99.2 (l)

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 (m)

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-99.2 (n)

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



EX-99.2 (o)

    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 Sinqle
    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-99.3 (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)

      HSBC   (logo)

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

      Attn: 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 Bonds, 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 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




EX-99.3 (c)

BB&T (logo)

Branch Banking & Trust Co.
of South Carolina

Mortgage

P.O. Box 408
Greenville, SC
29602-0408
(864) 242-8585
(800) 295-5744

March 10, 2001

ANNUAL SERVICING CERTIFICATION

In connection with those loans serviced by Branch Banking and Trust,
for WELLS FARGO MINNESOTA, we hereby certify that:

           1. All real estate taxes, special assessments and any charges that
              may become a lien upon the property and which came due in the last
              calendar year have been paid.

           2. All FHA insurance premiums or private mortgage insurance premiums,
              if applicable, have been paid and are in full force and effect.

           3. All properties are adequately insured and that Mortgagee's
              interest or their assigns is properly provided for the first
              mortgagee clause. This includes both flood and hazard insurance.

           4. All interest and/or monthly payment adjustments for ARM loans have
              been made in accordance with mortgage terms and all rate
              calculations and rate change notifications have been sent to
              Investor in a timely fashion.

           5. Any exceptions to this certification are listed on an attachment
              along with an explanation concerning their completion. If there
              are none it is so stated on the bottom of this certification.

          6.  For these loans being escrowed for the payment of taxes, flood,
              optional and hazard insurance, sufficient amounts are being
              collected monthly to provide for payment of future items.

          7.  All legal documents are being held in BB&T Trust Department.

          8.  We have complied with Internal Revenue code regulations (Section H
              and 6050J) reporting interest to each mortgagor via Form 1098 and
              reporting to Internal Revenue Service via Form 1099-A.



By:

Timothy Y. Day
Sr. Vice President
Mortgage Loan Servicing Manager



TYD/cf




EX-99.3 (d)

     Washington Mutual (logo)

     OFFICER'S CERTIFICATE

     The undersigned Officer certifies the following for the 2000 fiscal 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 Seller/Servicer
        Guide and to the best of this Officers' knowledge, the Servicer has
        fulfilled all of its duties, responsibilities or obligations under these
        Agreements throughout such year.

    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, 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.  All Custodial Accounts have
        been reconciled and are properly funded: and

    F. 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:

    John Mac Lean

    Vice President
    Title

    March 6, 2001
    Date



EX-99.3 (f)

    Colonial   (logo)
    Savings


    ANNUAL CERTIFICATE FOR THE
    Wells Fargo Bk MN, N.A.

    INVESTOR # 3146, 3164, 3173, 3532, 3337, 3409, 3531, 3743

    In accordance with the Sale and Servicing Agreement for the referenced
    program, I, the undersigned, hereby certify as to each mortgage loan being
    serviced by the below named institution that as of the preceding anniversary
    date of the Agreement:


    1.  As an "Officer" of the below named institution as such term is defined
        in the Agreement and being authorized to issue this Annual Certificate.


    2.  All real estate taxes and special assessments of any nature, relating to
        the mortgage loans, have been paid as and when due.


    3.  The insurance policies are fully paid and comply with the Agreement.


    4.  Analysis has been made to insure sufficient monies are being collected
        in escrow for the current year.


    5. All inspections have been made as required by the Agreement.


    It is further certified that,


       A.  To the best of my knowledge and upon reasonable investigation, the
           servicing of the mortgage loans during the year preceding the last
           Anniversary date of the Agreement has been conducted in compliance
           with the Agreement except for such exceptions as have been setforth
           below:

         EXCEPTIONS: (if any)


       B.  A review of activities with respect to performance under the
           Agreement during the year preceding the last anniversary date of the
           Agreement has been made under my supervision and to the best of my
           knowledge, based on such review, no default exists as of the above
           date in the fufillment of any obligations under the Agreement other
           than the events of default, if any, which have been listed below with
           the nature and status thereof:

    EVENTS OF DEFAULT: (if any):



    PARTCIPANT: COLON1AL SAVINGS, F.A.


    SIGNED:


    TITLE:  Cary W. Adams, Senior Vice President * Dated:  December 31, 2000




EX-99.3 (g)

   CUNA Mutual Mortgage   (logo)
   Corporation


   March 23, 2001


   Wells Fargo Bank Minnesota, NA
   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, NA;


(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 60503 and 6050P of the Internal Revenue Code
       respectively, have been prepared and filed.


Certified By:

Officer:  Stephen P. Renock, IV

Title:    President & CEO

Date:     March 23, 2001


CUNA Mutual Mortgage Corporation
2908 Marketplace Dr., Suite 100
Madison, Wl 53719-5306
P.O. Box 1332
Madison, Wl 53701-1332
Tel:              800.221.2921
Fax:              608.232.6395
www.cmmort.com



EX-99.3 (h)

       HOMESIDE   (logo)
       LENDING, INC.


       June 21, 2001


       Ms. Dionne Dixon
       Wells Fargo Bank Minnesota
       11000 Broken Land Parkway
       Columbia, Maryland 21044

       Re:  Annual Officer's Certification
            Fiscal Year Ending September 30, 2000

       Dear Ms. Dixon:

       HomeSide Lending, Inc.(HomeSide) has reviewed its servicing activities on
       the mortgage loans HomeSide services on behalf of Wells Fargo Bank
       Minnesota. This review was conducted for the purpose of determining if
       the servicer has met all servicing obligations under the agreement
       covering these mortgage loans.

       HomeSide, upon my investigation and to the best of my knowledge, has
       conducted its servicing activities in compliance with the agreement and
       is not in default in the fulfillment of any obligations of the agreement.
       Further, all real estate taxes and hazard insurance premiums have been
       paid as and when due.

       I apologize for the oversight in sending. Should you have any questions
       please contact Lynda M. Pohwat at (904)281-4705 or Impohwat@homeside.com.

       Sincerely,



       Karen Bryan
       Vice President


EX-99.3 (i)

   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 (J)

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 (k)

    Chevy Chase Bank
    6151 Chevy Chase Drive
    Laurel, Maryland 20707

    December 15,2000


    Wells Fargo Home Mortgage Inc. (710)
    11000 Broken Land Parkway
    Columbia, MD 21044
    ATTN Susan Gibson

    Subject:   Annual Audited Financial Statements, Uniform Single Audit Letter
               and Statement of Compliance Certification (F.Y. Ending 09/30/00)

    In compliance with the servicing guidelines and requirements outlined in the
    Sale/Servicing Agreement by and between your company and Chevy Chase Bank,
    FSB, I hereby submit the above subject information and reports for your
    review as follows:

              (A) Enclosed is our 2000 Audited Financial Statement prepared by
        our independent accounting firm of Arthur Andersen, LLP, by Mr. Daniel
        Lasik, Audit Partner, at 8000 Towers Crescent Drive, Vienna, Virginia
        22182, (703) 962-3802, ID# 36-0732690. This information is confidential
        and by accepting it, you agree to maintain its confidentiality. This
        precludes all photocopying, as well as distribution, other than for
        internal review purposes.

             (B) Enclosed is a copy of the Uniform Single Audit Letter issued by
        Arthur Anderson.

             (C) Evidence of our current Fidelity Bond and Errors and Omissions
        Insurance Policy Certificates showing coverage, limits of liability and
        deductibility was forwarded in March, 2000 by our company under separate
        cover by our Insurance Agent: Chevy Chase Insurance Company, 8401
        Connecticut Avenue, Chevy Chase, Maryland 20815.

            (D) As Loan Servicing Manager and an Officer of Chevy Chase Bank,
        and having authorization to issue this officers certification statement,
        I hereby submit the following:



        1. The Fidelity Bond and the Errors and Omissions Insurance Policies are
        in full force and effect and meet the requirements of the definitions of
        such terms.

        2.  All information pertaining to real estate transactions has been
        reported as required by the Internal Revenue Service.

        3. All insurance premiums for each Hazard Insurance Policy, Flood
        Insurance Policy (if any), Primary Mortgage Insurance Policy (if any),
        and FHA Ceitification of Mortgage Insurance (if any) and all taxes,
        ground rents and other charges have been paid when due or within
        applicable grace periods.

        4.  The status of each mortgage has been reported to the major credit
        repositories each month.

        5. All required interest rate and/or monthly payment adjustments for the
        ARMS and PARMS were made in accordance with the mortgage documents.

        6. The officer signing this certificate has reviewed the activities and
        performance of the Servicer during the preceding fiscal year under the
        Standard Servicing Agreement and, to the best of the officer's
        knowledge, the Servicer has fulfilled all of its duties,
        responsibilities and obligations under the Standard Servicing Agreement
        throughout such year.


    Sincerely,




    Vicki L. Parry
    Vice President
    Mortgage Loan Servicing Division


    VLP:ey
    Enclosures




EX-99.3 (l)

       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 (m)

    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

   EX-99.3 (n)

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 (o)

   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)