UNITED STATES
                             SECURITIES AND EXCHANGE COMMISSION
                                   WASHINGTON, D.C. 20549



                                          FORM 10-K/A
				        (Amendment No. 1)

During the transmission process a system error occurred which resulted
in the ommission for some of the attachments to the Registrant's
annual report on Form 10-K for the fiscal year ended December 31, 2004,
originally filed on March 30, 2005. The Registrant hereby amends and
restates such annual report on Form 10-K with this 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, 2004

      OR



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


      Commission File Number:  333-115858-16


        Structured Asset Securities Corporation

     (Exact name of registrant as specified in its charter)


   Delaware                                          74-2440850
  (State or other jurisdiction of                   (I.R.S. Employer
   incorporation or organization)                   Identification No.)


   745 Seventh Avenue, 7th Floor
   New York, NY                                 10019
  (Address of principal executive offices)     (Zip Code)


  Registrant's telephone number, including area code: (212)526-7000

   	Thornburg Mortgage Securities Trust
   	Mortgage Loan Pass-Through Certificates
   	Series 2004-3
	(Title of each class of securities covered by this form)

  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 ___


  Indicate by check mark if disclosure of delinquent filers pursuant to
  Item 405 of Regulation S-K ( 229.405 of this chapter) is not contained
  herein, and will not be contained, to the best of registrant's knowledge,
  in definitive proxy or information statements incorporated by reference
  in Part III of this Form 10-K or any amendment to this Form 10-K.

        Not applicable.


  Indicate by check mark whether the registrant is an accelerated filer
  (as defined in Exchange Act Rule 12b-2).

        Yes  ___     No  X


  State the aggregate market value of the voting and non-voting common
  equity held by non-affiliates computed by reference to the price at which
  the common equity was last sold, or the average bid and asked price of
  such common equity, as of the last business day of the registrant's most
  recently completed second fiscal quarter.

        Not applicable.


  Indicate the number of shares outstanding of each of the registrant's
  classes of common stock, as of the latest practicable date.

        Not applicable.


     Documents Incorporated by Reference

  List hereunder the following documents if incorporated by reference and
  the Part of the Form 10-K (e.g. Part I, Part II, etc.) into which the
  document is incorporated: (1)Any annual report to security holders; (2)
  Any proxy or information statement; and (3)Any prospectus filed pursuant
  to Rule 424(b) or (c) under the Securities Act of 1933. The listed
  documents should be clearly described for identification purposes (e.g.
  annual report to security holders for fiscal year ended December 24, 1980).

        Not applicable.


                                   PART I

  Item 1.  Business.

            Not Applicable.

  Item 2.  Properties.

            Not Applicable.


  Item 3.  Legal Proceedings.

            The registrant knows of no material pending legal proceedings
            involving the trust created under the Trust Agreement
            (the Trust), the Trustee, the Servicer or the
            registrant with respect to the Trust other than routine
            litigation incidental to the duties of the respective parties.


  Item 4.  Submission of Matters to a Vote of Security Holders.

            None.


                                PART II

  Item 5.  Market for registrant's Common Equity and Related Stockholder
           Matters and Issuer Purchases of Equity Securities.

            The Trust does not issue stock. No established public trading
	    market for the Certificates exists.

            Records provided to the Trust by the DTC and the Trustee
            indicate that as of December 31, 2004, the total number of holders
            of record for the Series of Certificates is 15.


  Item 6.  Selected Financial Data.

            Omitted.


  Item 7.  Management's Discussion and Analysis of Financial Condition and
           Results of Operation.

            Omitted.


  Item 7A. Quantitative and Qualitative Disclosures about Market Risk.

            Not applicable.


  Item 8.  Financial Statements and Supplementary Data.

            See Item 15(a), Exhibits 99.1, 99.2, 99.3, for information
            provided in lieu of information required by Item 302 of
            Regulation S-K.


  Item 9.  Changes in and Disagreements with Accountants on Accounting and
           Financial Disclosure.

            None.


  Item 9A. Controls and Procedures.

            Not applicable.


  Item 9B. Other Information.

            None.


                                PART III

  Item 10. Directors and Executive Officers of the Registrant.

            Not applicable.


  Item 11. Executive Compensation.

            Not applicable.


  Item 12. Security Ownership of Certain Beneficial Owners and Management.

            Not applicable.

  Item 13. Certain Relationships and Related Transactions.

            Not applicable.


  Item 14. Principal Accounting Fees and Services.

            Not applicable.


                                PART IV

  Item 15. Exhibits, Financial Statement Schedules.

   (a) Exhibits

     (31.1) Rule 13a-14(a)/15d-14(a) Certification

     (99.1) Annual Independent Accountants' Servicing Reports concerning
            servicing activities.

      <TABLE>

      
         <c>
      a) Cenlar FSB, as Servicer <F1>
      b) Colonial Savings, F.A., as Servicer <F1>
      c) First Republic Bank, as Servicer <F1>
      d) Harborside Mortgage, as Servicer <F1>

      </TABLE>

     (99.2) Report of Management as to Compliance with Minimum Servicing
            Standards.

      <TABLE>

      
        <c>
      a) Cenlar FSB, as Servicer <F1>
      b) Colonial Savings, F.A., as Servicer <F1>
      c) First Republic Bank, as Servicer <F1>
      d) Harborside Mortgage, as Servicer <F1>

      </TABLE>

     (99.3) Annual Statements of Compliance under the Servicing
            Agreements.

      <TABLE>

      
         <c>
      a) Cenlar FSB, as Servicer <F1>
      b) Colonial Savings, F.A., as Servicer <F1>
      c) First Republic Bank, as Servicer <F1>
      d) Harborside Mortgage, as Servicer <F1>

      </TABLE>


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


   (b) Not applicable.

   (c) Omitted.


  <F1> Filed herewith.


                                SIGNATURES

  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:



    Structured Asset Securities Corporation
    (Registrant)


  Signed: Wells Fargo Bank, N.A. as Master Servicer for the Thornburg
          Mortgage Securities Trust Mortgage Loan Pass-Through
          Certificates, Series 2004-3.

  By:     Kristen Ann Cronin, Vice President

  By: /s/ Kristen Ann Cronin, Vice President

  Dated:


  SUPPLEMENTAL INFORMATION TO BE FURNISHED WITH REPORTS FILED PURSUANT TO
  SECTION 15(d) OF THE ACT BY REGISTRANTS WHICH HAVE NOT REGISTERED
  SECURITIES PURSUANT TO SECTION 12 OF THE ACT.


  (a)(i) No annual report is provided to the Certificateholders other than
  with respect to aggregate principal and interest distributions.


  (a)(ii) No proxy statement, form of proxy or other proxy soliciting
  material has been sent to any Certificateholder with respect to any
  annual or other meeting of Certificateholders.



  Exhibit Index

  Exhibit No.

  Ex-31.1 Rule 13a-14(a)/15d-14(a) Certification

  I, Kristen Ann Cronin, certify that:

  1. I have reviewed this annual report on Form 10-K, and all reports on
     Form 8-K containing distribution or servicing reports filed in
     respect of periods included in the year covered by this annual report
     of Thornburg Mortgage Securities Trust Mortgage Loan Pass-Through
     Certificates, Series 2004-3 Trust;

  2. Based on my knowledge, 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 this
     annual report;

  3. Based on my knowledge, the distribution or servicing information
     required to be provided to the Trustee by the Servicer under the
     Pooling and Servicing or similar, agreement, for inclusion in these
     reports is included in these reports;

  4. I am responsible for reviewing the activities performed by the master
     servicer under the pooling and servicing, or similar, agreement, and
     based on upon my knowledge and the annual compliance review required
     under that agreement, and except as disclosed in the reports, the
     master servicer has fulfilled its obligations under that agreement;
     and

  5. The reports disclose all significant deficiencies relating to the
     servicer's compliance with the minimum servicing standards based upon
     the report provided by an 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 pooling and servicing, or similar, agreement, that is included in
     these reports.

     In giving the certifications above, I have reasonably relied on
     information provided to me by the following unaffiliated parties:
     Cenlar FSB as Servicer, Colonial Savings, F.A. as Servicer, First
     Republic Bank as Servicer, Harborside Mortgage  as Servicer.

     Date:

     /s/ Kristen Ann Cronin
     Signature

     Vice President
     Title


  EX-99.1 (a)
(logo) KPMG

KPMG LLP
New Jersey Headquarters
150 John F. Kennedy Parkway
Short Hills, NJ 07078



Independent Accountants' Report


The Board of Directors
Cenlar FSB:


We have examined management's assertion, included in the accompanying report,
that Cenlar FSB (a wholly-owned subsidiary of Cenlar Capital Corporation) and
subsidiaries (Cenlar) complied 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, 2004.
Management is responsible for Cenlar's compliance with those minimum servicing
standards. Our responsibility is to express an opinion on management's
assertion about Cenlar'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 Cenlar's
compliance with the minimum servicing standards specified above 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 Cenlar's compliance with
the minimum servicing standards.


In our opinion, management's assertion that Cenlar complied with the
aforementioned minimum servicing standards as of and for the year ended
December 31, 2004 is fairly stated, in all material respects.


/s/ KPMG LLP


February 18, 2005



KPMG LLP, a U.S. limited liability partnership, is the U.S.
member firm of KPMG International, a Swiss cooperative.





  EX-99.1 (b)
(logo) PFSJ
PAYNE FALKNER SMITH & JONES, P.C.
Certified Public Accountants



Report of Independent Auditors on Compliance with Requirements of the Uniform
Single Attestation Program for Mortgage Bankers



Board of Directors and Stockholder
of Colonial Savings, F.A.

We have examined management's assertion about Colonial Savings, F.A.
("Colonial") compliance with the minimum servicing standards identified in the
Mortgage Bankers Association of America's Uniform Single Attestation Program for
Mortgage Bankers ("USAP") as of and for the year ended September 30, 2004,
included in the accompanying management's assertion about Colonial'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 Colonial'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 Colonial's compliance with the minimum servicing
standards.

In our opinion, management's assertion that Colonial complied with the
aforementioned minimum servicing standards as of and for the year ended
September 30, 2004, is fairly stated, in all material respects.

/s/ Payne Falkner Smith & Jones, P.C.

November 10, 2004



10711 Preston Road * Suite 110 * Dallas. TX 75230 * 972 / 404-1226 *
Fax 214 / 363-9980





  EX-99.1 (c)
(logo) KPMG

KPMG LLP
55 Second Street
San Francisco, CA 94105

Independent Accountants' Report

The Board of Directors
First Republic Bank:

We have examined management's assertion, included in the accompanying Management
Assertion, that First Republic Bank (the 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) as of and for the
year ended December 31, 2004. Management is responsible for the Bank's
compliance with those minimum servicing standards. Our responsibility is to
express an opinion on management's assertion about the Bank's compliance based
on our examination.

Our examination was 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 the Bank's
compliance with the minimum servicing standards specified above and performing
such other procedures as we considered necessary in the circumstances. We
believe that our examination provides a reasonable basis for our opinion. Our
examination does not provide a legal determination on the Bank's compliance with
the minimum servicing standards.

In our opinion, management's assertion that First Republic Bank complied with
the aforementioned minimum servicing standards as of and for the year ended
December 31, 2004 is fairly stated, in all material respects.



/s/ KPMG LLP


March 11, 2005


KPMG LLP, a U.S. limited liability partnership, is the U.S.
member firm of KPMG International, a Swiss cooperative.





  EX-99.1 (d)
HANCOCK, ASKEW & Co., LLP
Certified Public Accountants
570 EAST YORK STREET
SAVANNAH, GEORGIA 31401



Independent Accountant's Report

Harbourside Mortgage Company,
a division of The Savannah Bank, N. A.
Hilton Head Island, SC 29938

We have examined management's assertion about Harbourside Mortgage Company, a
division of The Savannah Bank, N. A.,'s compliance with the minimum servicing
standards identified in the Mortgage Bankers Association of America's Uniform
Single Attestation Program for Mortgage Bankers (USAP) as of and for the year
ended December 31, 2004 included in the accompanying management assertion.
Management is responsible for Harbourside Mortgage 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 conducted in accordance with attestation standards
established by the American Institute of Certified Public Accountants and,
accordingly, included examining, on a test basis, evidence supporting
Harbourside Mortgage 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
Harbourside Mortgage Company's compliance with the minimum servicing standards.

Management's assertion disclosed that Harbourside Mortgage Company has not met
the minimum servicing standards in regards to custodial bank accounts as of and
for the year ended December 31, 2004. Harbourside Mortgage Company's custodial
bank account reconciliations were not prepared and reviewed by someone other
than the person preparing the reconciliations within forty-five days after the
cutoff dates, and they contained reconciling items that were not resolved
within ninety calendar days of their original identification.

In our opinion, management's assertion that Harbourside Mortgage Company
complied with the aforementioned minimum servicing standards as of and for the
year ended December 31, 2004 with the exception of the disclosure described in
the preceding paragraph, is fairly stated in all material respects.


Respectfully submitted,

/s/ HANCOCK, ASKEW & Co., LLP

Savannah, Georgia
March 16, 2005





  EX-99.2 (a)
(logo) CENLAR
CENTRAL LOAN ADMINISTRATION & REPORTING


February 18, 2005


Management Assertion


As of and for the year ended December 31, 2004, Cenlar FSB 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, Cenlar FSB had in effect
a fidelity bond in the amount of $40,000,000 and mortgagee errors and omissions
policy in the amount of $35,000,000.


/s/ Michael W. Young
Michael W. Young
President, Chief Executive Officer and
Chairman of the Board


/s/ Gregory S. Tornquist
Gregory S. Tornquist
Executive Vice President and
Chief Financial Officer


/s/ Stephen W.Gozdan
Stephen W.Gozdan
Senior Vice President and
Chief Operating Officer



PO Box 77400 * Ewing, NJ 08628 * 609-883-3900





  EX-99.2 (b)
(logo) COLONIAL
SAVINGS

Management's Assertion Concerning Compliance with USAP Minimum Servicing
Standards



November 10, 2004



As of and for the year ended September 30, 2004, Colonial Savings, F.A. 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, Colonial Savings, F.A. had in effect a fidelity
bond and errors and omissions policy in the amount of $10,000,000.



/s/ Jim E. DuBose
Jim E. Dubose
President and Chief Executive Officer


/s/ Ben Dempsey
Ben Dempsey
Senior Vice President and Chief Financial Officer



2626A WEST FREEWAY, FORT WORTH, TEXAS 76102 OFFICE: 817-390-2000
www.colonialsavings.com





  EX-99.2 (c)
(logo)

FIRST REPUBLIC BANK
It's a privilege to serve you

Management Assertion


As of and for the year ended December 31, 2004, First Republic Bank (the Bank)
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. The Bank had in effect a fidelity bond insurance
policy of $15,000,000 for the period from January 1, 2004 through August 11,
2004 and 30,000,000 from August 12, 2004 through December 31, 2004. As of and
for the year ended December 31, 2004 the Bank had in effect an errors and
omissions insurance policy in the amount of $5,000,000.

/s/ James H. Herbert II
James H. Herbert II
President and Chief Executive Officer
March 11, 2005

/s/ Katherine August-deWilde
Katherine August-deWilde
Executive Vice President and Chief Operating Officer
March 11, 2005

/s/ Willis H. Newton, Jr.
Willis H. Newton, Jr.
Executive Vice President and Chief Financial Officer
March 11, 2005

/s/Nancy Segreto
Nancy Segreto
Vice President Loan Operations
March 11, 2005

San Francisco  Los Angeles  Santa Barbara  Newport Beach  San Diego
Los Vegas  New York

III PINE STREET, SAN FRANCISCO, CALIFORNIA 94111, TEL (415) 392-1400 OR
(800) 392-1400, Fax (415) 392-1413
CONVENIENT INTERNET BANKING AT www.FIRSTREPUBLIC.COM * NEW YORK STOCK EXCHANGE
SYMBOL MEMBER FDIC





  EX-99.2 (d)
(logo) Harbourside
MORTGAGE



Hancock Askew & Co., LLP
P.O. Box 2486
Savannah, GA 31402


In connection with your examination of our assertion that Harbourside Mortgage
Company, a division of The Savannah Bank, N.A., complied with the minimum
servicing standards 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, 2004, we recognize that obtaining representations from us
concerning the information contained in this letter is a significant procedure
in enabling you to express an opinion on management's assertion about compliance
with the minimum servicing standards. Accordingly, we make the following
representations, which are true to the best of our knowledge and belief in all
material respects:

1. We are responsible for complying with the minimum servicing standards in
   the USAP.

2. We are responsible for establishing and maintaining an effective internal
   control structure over compliance with the minimum servicing standards.

3. We have performed an evaluation of Harbourside Mortgage Company's
   compliance with the minimum servicing standards.

4. As of and for the year ended December 31, 2004, Harbourside Mortgage
   Company, except as listed in Exhibit A, has complied with the minimum
   servicing standards.

5. We have disclosed to you all known noncompliance with the minimum servicing
   standards. This disclosure is documented in the previously noted Exhibit A.

6. We have made available to you all documentation related to compliance with
   the minimum servicing standards.

7. We have made the following interpretation of the minimum servicing standard
   related to... Not applicable. Management has made no interpretations
   regarding the stated standards.

8. We have disclosed any communications from regulatory agencies, internal
   auditors, and other practitioners concerning possible noncompliance with the
   minimum servicing standards, including communications received between
   December 31, 2004 and March 18, 2005.

9. We have disclosed to you any known noncompliance occurring subsequent to
   December 31, 2004.


/s/ Edward J. Brown, Jr.
Edward J. Brown, Jr.
President, Harbourside Mortgage Company

/s/ March 2, 2005
March 2, 2005


/s/ Robert B. Briscoe
Robert B. Briscoe
Executive Vice President &
Chief Financial Officer

/s/ 3/2/05
March 2, 2005



23-C Shelter Cove Lane, Suite 200 * P.O. Box 7827 * Hilton Head Island, SC 29938
Phone: 843-341-1200 * Fax: 843-341-1201
A Division of The Savannah Bank, N.A.



(logo) Harbourside
MORTGAGE



Exhibit "A"
to
Management Representation Letter Dated March 2, 2005


Management discloses an exception to the company's compliance with the minimum
standards set forth in the USAP, Custodial Bank Accounts for the period ending
December 31, 2004.

As of December 31, 2004 reconciliations of the investor DDA accounts were not
prepared on a monthly basis and items were not cleared within the timeframes
outlined in the minimum standards. As of the attestation date, the company
serviced fifty-three loans subject to USAP's minimum standards.

Management asserts that all funds due investors were remitted correctly and
collected properly from borrowers. Items not reconciled were due to set-up
difficulties within the system. As a result, related reconciling items in the
custodial bank accounts as of year-end were differences within the company and
not with borrowers or investors. These procedural issues have been corrected
through training and supervisory additions.

Management recognizes the importance of compliance with the USAP procedures and,
accordingly, has committed to a follow-up USAP Attestation review, focused on
the reconcilement exception. This review will be conducted by independent
external auditors, and has a scheduled date of completion of no later than
June 30, 2005.



23-C Shelter Cove Lane, Suite 200 * P.O. Box 7827 * Hilton Head Island, SC 29938
Phone: 843-341-1200 * Fax: 843-341-1201

A Division of The Savannah Bank, N.A.





  EX-99.3 (a)
 Exhibit "A"


 Wells Fargo Bank Minnesota, N.A.
 9062 Old Annapolis Rd.
 Columbia, MD 21045
 Attention: Master Servicing

 RE: Officer's Certificate

 Dear Master Servicer:

 The undersigned Officer certifies the following for the 2004 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: George Schwartz, Sr Vice President, Cenlar, FSB



/s/George Schwartz
Officer

SVP
Title

2/25/05
Date





  EX-99.3 (b)
(logo) COLONIAL
SAVINGS


ANNUAL CERTIFICATE FOR THE
Wells Fargo Bk MN, NA
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,

      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 set forth below:

      EXCEPTIONS: (if any)

      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 below date in the fulfillment 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):

PARTICIPANT: COLONIAL SAVINGS, F.A.

SIGNED:/s/Cary W. Adams
TITLE: Cary W. Adams, Senior Vice President DATED: December 31, 2004



2626A WEST FREEWAY, FORT WORTH, TEXAS 76102 OFFICE: 817-390-2000
www.colonialsavings.com

<PAGE>





  EX-99.3 (c)
Exhibit "A"


Wells Fargo Bank Minnesota, N.A.
9062 Old Annapolis Rd.
Columbia, MD 21045
Attention: Master Servicing

RE: Officer's Certificate

Dear Master Servicer:

The undersigned Officer certifies the following for the 2004 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,
    respectivelt, have been prepared and filed.

Certified By:
/s/ Nancy Segreto
Nancy Segreto
Officer

Senior Vice President
Title

March 9, 2005
Date





  EX-99.3 (d)
(logo) Harbourside
MORTGAGE



Wells Fargo Bank Minnesota, N.A.
9062 Old Annapolis Road
Columbia, MD 21045
Attention: Servicer Oversight Group

RE: Officer's Certificate

Dear Master Servicer:

The undersigned Officer certifies the following for the 2004 fiscal year:


(i)  A review of the activities of the Servicer during the preceding fiscal year
     and of the Servicer's performance of the Servicer under the terms of the
     Servicing Agreement with respect to such Loans has been made under the
     supervision of the officer who signed such Officer's Certificate;

(ii) To the best of such officer's knowledge, based on such review, the Servicer
     has fulfilled all its obligations under this Agreement throughout such
     year, or if there has been a default in the fulfillment of any such
     obligation, such Officer's Certificate shall specify each such default
     known to such signer and the nature and status thereof and what action the
     Servicer proposes to take with respect thereto.

Certified By:


/s/ Edward J Brown
Edward J Brown
SVP The Savannah Bank, NA
March 18, 2005



23-C Shelter Cove Lane, Suite 200 * P.O. Box 7827 * Hilton Head Island, SC 29938
Phone: 843-341-1200 * Fax: 843-341-1201
A Division of The Savannah Bank, N.A





  Ex-99.4

   Schedule of Year-To-Date Principal and Interest Distributions to
   Certificateholders


   <TABLE>

   Class                              Interest             Principal               Losses             Ending Balance
   
                       <c>                    <c>                  <c>                 <c>
   A-1                            7,014,117.14         48,709,563.77                 0.00           1,167,660,436.23
   A-R                                    0.35                100.00                 0.00                       0.00
   A-X                            2,141,629.58                  0.00                 0.00           1,167,660,436.23
   B-1                              171,805.98              3,585.45                 0.00              16,323,414.55
   B-2                               99,114.38              2,068.44                 0.00               9,416,931.57
   B-3                               46,247.76                965.15                 0.00               4,394,034.85
   B-4                               39,639.44                827.24                 0.00               3,766,172.76
   B-5                               19,814.46                413.51                 0.00               1,882,586.49
   B-6                               39,687.81                827.91                 0.00               3,770,769.09
   </TABLE>