Ex-31.1


           Servicer's Sarbanes-Oxley Certification (1999 Transactions)

                   BANK OF AMERICA MORTGAGE SECURITIES, INC.,
                       MORTGAGE PASS-THROUGH CERTIFICATES,
                      SERIES SET FORTH ON EXHIBIT I HERETO

I, Gary K. Bettin, a Senior Vice President of Bank of America, N.A., certify
that:

1.  I have reviewed the annual reports on Form 10-K for the calendar year 2003
    and all monthly current reports on Form 8-K containing a copy of the monthly
    statement to certificateholders (the "Distribution Date Statements")
    delivered pursuant to Section 5.04(a) of the Pooling and Servicing
    Agreements listed on Exhibit I hereto (each, an "Agreement") filed in
    respect of periods included in the year covered by such annual reports of
    the trusts (each, a "Trust") formed pursuant to such Agreements;

2.  Based on my knowledge, with respect to each Trust, the information in these
    reports, taken as a whole, does not contain any untrue statement of a
    material fact or omit to state a material fact necessary to make the
    statements made, in light of the circumstances under which such statements
    were made, not misleading as of the last day of the period covered by such
    annual report;

3.  Based on my knowledge, the distribution or servicing information required to
    be provided to the trustee by each servicer under each Agreement for
    inclusion in the related Trust's Distribution Date Statements is included in
    these reports;

4.  I am responsible for reviewing the activities performed by each servicer
    under each Agreement and based upon my knowledge and the annual compliance
    review required under each Agreement, and except as disclosed in the
    reports, each servicer has fulfilled its obligations under each Agreement;

5.  The reports disclose all significant deficiencies relating to each
    servicer's compliance with the minimum servicing standards, based upon the
    reports provided by each independent public accountant after conducting a
    review in compliance with the Uniform Single Attestation Program for
    Mortgage Bankers or similar procedure as set forth in the Agreement that is
    included in these reports; and

6.  In giving the certifications above, I have reasonably relied on information
    provided to me by the following unaffiliated party: The Bank of New York.


                                       By:  /s/ Gary K. Bettin
                                          --------------------------------------
                                          Name:   Gary K. Bettin
                                          Title:  Senior Vice President


<PAGE>


                                                                       EXHIBIT I


                PARTIES                    DATE OF POOLING         SERIES
                                              AGREEMENT
===============================================================================

Bank of America Mortgage Securities,    February 23, 1999          1999-1
Inc., Bank of America, N.A., BA
Mortgage, LLC and The Bank of New York

Bank of America Mortgage Securities,    March 25, 1999             1999-2
Inc., Bank of America, N.A., BA
Mortgage, LLC and The Bank of New York

Bank of America Mortgage Securities,    April 27, 1999             1999-3
Inc., Bank of America, N.A., BA
Mortgage, LLC and The Bank of New York

Bank of America Mortgage Securities,    April 27, 1999             1999-4
Inc., Bank of America, N.A., BA
Mortgage, LLC and The Bank of New York

Bank of America Mortgage Securities,    May 25, 1999               1999-5
Inc., Bank of America, N.A., BA
Mortgage, LLC and The Bank of New York

Bank of America Mortgage Securities,    June 24, 1999              1999-6
Inc., Bank of America, N.A., BA
Mortgage, LLC and The Bank of New York

Bank of America Mortgage Securities,    June 24, 1999              1999-7
Inc., Bank of America, N.A., BA
Mortgage, LLC and The Bank of New York

Bank of America Mortgage Securities,    July 27, 1999              1999-8
Inc., BA Mortgage, LLC, Bank of
America, N.A. and The Bank of New York

Bank of America Mortgage Securities,    August 26, 1999            1999-9
Inc., BA Mortgage, LLC, Bank of
America, N.A. and The Bank of New York

Bank of America Mortgage Securities,    August 26, 1999            1999-10
Inc., BA Mortgage, LLC, Bank of
America, N.A. and The Bank of New York

Bank of America Mortgage Securities,    September 23, 1999         1999-11
Inc., BA Mortgage, LLC, Bank of
America, N.A. and The Bank of New York

Bank of America Mortgage Securities,    November 23, 1999          1999-12
Inc., BA Mortgage, LLC, Bank of
America, N.A. and The Bank of New York