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, 1999 or

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


      Commission File No.:   333-67329-03

City Capital Home Loan Trust
Mortgage Pass-Through Certificates, Series 1999-1 Trust
(Exact name of registrant as specified in its charter)



New York                         54-1887915
(State or other jurisdiction     (I.R.S. Employer
 of incorporation or              Identification  No.)
 organization)

c/o Wells Fargo Bank Minnesota, N.A.
11000 Broken Land Parkway
Columbia, Maryland                            21044
(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 24, 2000,  on behalf of
City Capital Home Loan Trust Mortgage Pass-Through  Certificates,  Series 1999-1
Trust established pursuant to the Indenture among City Capital Home Loan Trust
1999-1 as Issuer,  and Wells Fargo Bank  Minnesota, N.A. as Indenture  Trustee,
Note Administrator, and Custodian, pursuant to which  City Capital Home Loan
Trust  Mortgage Pass-Through  Certificates, Series 1999-1 Trust registered
under the Securities Act of 1933 (the "Certificates") were issued.


Item 14 of the original Form 10K is amended in its entirety to read as follows:

Item 14.  Exhibits, Financial Statement Schedules, and Reports
          on Form 8-K.

          (a) Exhibits

              (99.1) Annual   Independent    Accountants'    Servicing   Reports
                     concerning servicing activities for the year ended December
                     31, 1999.

                     a)  City Mtg Services <F1>

             (99.2)  Report  of  Management   as  to  Compliance   with  Minimum
                     Servicing Standards for the year ended December 31, 1999.

                     a)  City Mtg Services <F1>

              (99.3) Annual  Statements  of  Compliance  under the  Pooling  and
                     Servicing Agreements for the year ended December 31, 1999.

                     a)   City Mtg Services <F1>


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


            (b)  On October 8, 1999,  November  8, 1999,  and  December 7, 1999,
                 reports  on Form 8-K  were  filed  by the  Company  in order to
                 provide the statements for the monthly distributions to holders
                 of the  Certificates.  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.

                           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:

City Capital Home Loan Trust
Mortgage Pass-Through Certificates, Series 1999-1 Trust

Signed:   Wilmington Trust Company as Owner Trustee

By:   Robert P. Hines, Jr. Officer
By:  /s/  Robert P. Hines, Jr. Officer

Dated:  April 12, 2001


Exhibit Index

Exhibit No.

99.1      Annual Independent Accountants' Servicing Reports concerning servicing
          activities for the year ended December 31, 1999.


                     a)  City Mtg Services <F1>


99.2      Report of Management as to Compliance with Minimum Servicing Standards
          for the year ended December 31, 1999.

                     a)  City Mtg Services <F1>

99.3      Annual  Statements  of  Compliance  under the  Pooling  and  Servicing
          Agreements for the year ended December 31, 1999.

                     a)  City Mtg Services <F1>


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

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




           EX-99.1 (a)
    Annual Independant Accountant's Servicing Report

(LOGO) ERNST & YOUNG

 Ernst & Young LLP
 900 United Center
 500 Virqinia Street East 25301
 P.O. Box 2906
 Charleston, West Virginia 25330

 Phone: 304 343-8971
 Fax:   304-357-5994
 www.ey.com


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

Report of Independent Accountants

Audit Committee and Management
City National Bank of West Virginia


We have examined  management's  assertion,  included in the accompanying  report
titled Report of Management, that City Mortgage Services (CMS) 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, 1999. Management is responsible for CMS's compliance
with  those  requirements.  Our  responsibility  is to  express  an  opinion  on
management's assertions about CMS'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 CMS'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 CMS's
compliance with specified requirements.  In our opinion, management's assertion,
that CMS complied  with the  aforementioned  requirements  during the year ended
December 31, 1999, is fairly stated, in all material respects.

This  report  is  intended  solely  for the  information  and  use of the  audit
committee,  management,  the  Department of Housing and Urban  Development,  the
Federal  National  Mortgage  Association and CMS's private  investors and is not
intended  to be and  should not be used by anyone  other  than  these  specified
parties.

March 1, 2000

Ernst & Young LLP






   EX-99.2 (a)
 Report of Management

(LOGO) City Mortgage Services





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



Report of Management



We, as members of management of City Mortgage Services (CMS), a division of City
National Bank of West Virginia,  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 CMS's
compliance with the minimum  servicing  standards as set forth in the USAP as of
December  31. 1999 and for the year then  ended.  Based on this  evaluation,  we
assert  that during the year ended  December  31,  1999,  CMS  complied,  in all
material respects, with the minimum servicing standards set forth in the USAP.

As of and for this same period, CMS had in effect a fidelity bond and errors and
omissions policy in the amount of $10 million and $5 million, respectively.




David J. Vida Jr.
President

A.Lawrence Crimmins Jr.
Executive Vice President - CFO

March 1, 2000






          575 Anton Boulevard  State 1050  Costa Mesa, CA 92626
  telephone: (714) 540-7800  facsimile: Corporate (714) 540-5145
  Loan Administration (714) 540-5129 Wholesale Division Toll Free (888)550-CITY




   EX-99.3 (a)
 Annual Statement of Compliance

(LOGO) City Mortgage Services

Ms. Shelley Lauffer
Senior Trust Administrator
Corporate Trust Services
Norwest Bank Minnesota, N.A.
11000 Broken Land Parkway
Columbia, MD 21044-3562

RE: City Capital Home Loan Trust 1999-1

Dear Ms. Lauffer:

The undersigned Officer certifies the following for the 1999 fiscal year:


(i)  A review of the activities of the Servicer during the preceding fiscal year
     and of  the  Servicer's  performance  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; and

(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:
A. Lawrence Crimmins, Jr.

Executive Vice President/CFO
Title

March 30, 2000
Date


City Mortgage  Services * A Division of City  National  Bank 25 Gatewater  Road,
Cross Lanes,  West  Virginia  25313 P.O.  Box 7520,  Charleston,  West  Virginia
25356-7520 telephone (304) 776-8800 facsimile (304) 776-8820