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


                                    FORM 10-K


    (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, 2003

      OR

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

    Commission File Number: 333-67267-05
                            333-63714-B3

                    BANK OF AMERICA MORTGAGE SECURITIES, INC.
                       MORTGAGE PASS-THROUGH CERTIFICATES
                               Series 1999-6 Trust
--------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)


    New York                                         13-4067088
--------------------------------------------------------------------------------
    (State or other jurisdiction of                 (I.R.S. Employer
    incorporation or organization)                  Identification No.)

    c/o Bank of America, N.A., as Servicer
    101 N. Tryon St.
    Charlotte, NC                                 28255
--------------------------------------------------------------------------------
    (Address of principal executive offices)     (Zip Code)

    Registrant's telephone number, including area code: 704-387-2111
                                                       -------------------------

    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 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 of the registrant. The aggregate market value shall
    be computed by reference to the price at which the common equity was sold,
    or the average bid and asked prices of such common equity, as of a specified
    date within 60 days prior to the date of filing. (See definition of
    affiliate in Rule 405, 17 CFR 230.405.)

      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.

    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.


                                Introductory Note

    This Annual Report on Form 10-K is prepared in reliance on the no-action
    letter dated March 26, 1993 issued by the Securities and Exchange Commission
    to Nomura Asset Securities Corporation.

                                     PART I

Item 1. Business.

        Omitted.

Item 2. Properties.

        Not applicable.

Item 3. Legal Proceedings.

        The registrant knows of no material pending legal proceedings involving
        the trust created under the Pooling and Servicing 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.

        Records provided to the Trust by the DTC and the Trustee indicate that
        as of December 31, 2003, the number of holders of record for each class
        of Certificate were as follows:

        Total:                            0


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.

        Omitted.

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

        None.

Item 9A.Controls and Procedures.

        Not Applicable.

                                    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, and Reports on Form 8-K.

(a)

        Not Applicable.

(b)

        Not Applicable.

(c)

        4.1  Pooling and Servicing Agreement (filed as an exhibit on Form 8-K on
             August 10, 1999).

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

        99.1 Annual Independent Public Accountant's Servicing Report concerning
             servicing activities for the year ended December 31, 2003.

        99.2 Annual Statement as to Compliance under the Pooling and Servicing
             Agreement for the year ended December 31, 2003.

(d)

        Not Applicable

                                   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:

    BANK OF AMERICA MORTGAGE SECURITIES, INC.
    MORTGAGE PASS-THROUGH CERTIFICATES
    Series 1999-6 Trust
    (Registrant)

    Signed: Bank of America, N.A., as Servicer

    By: Judy V. Lowman, Officer

    By: /s/ Judy V. Lowman, Officer

    Dated: March 10, 2004

    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.

<PAGE>

                                 Exhibit Index
                                 -------------

Exhibit No.
-----------

4.1  Pooling and Servicing Agreement (filed as an exhibit on Form 8-K on August
     10, 1999).

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

99.1 Annual Independent Public Accountant's Servicing Report concerning
     servicing activities for the year ended December 31, 2003.

99.2 Annual Statement as to Compliance under the Pooling and Servicing Agreement
     for the year ended December 31, 2003.