<logo>Nations Bank

ANNUAL OFFICER CERTIFICATION

In accordance with the Servicing Agreement, I, the 
undersigned, hereby certify as to each Mortgage Loan being 
serviced by NationsBanc Mortgage Corporation, the following:

1.	I am a duly authorized officer of NationsBanc Mortgage 
Corporation and am empowered and authorized to issue this 
Annual Certification.

2.	All taxes, ground rents and assessments for the Mortgages covered 
herein have been paid.

3.	All insurance premiums for flood or other casualty 
insurance; and FHA premiums or Private Mortgage premiums 
on conventional loans have been paid, and such are in full force.

4.	Interest is being paid on escrow in accordance to any 
laws, regulations, or contracts that require payment of 
interest on mortgagors' escrow deposit accounts.

5.	Analysis has been made to ensure sufficient moneys are being 
collected in escrow year.

6.	All required interest rate and/or monthly payment 
adjustments for ARM loans were made in accordance with the 
mortgage terms and that timely and proper notice was 
provided to the mortgagors.

7.	All FHA Section 221 mortgages that have reached the 
20th anniversary of their endorsement for mortgage 
insurance to determine their status and that it has 
assigned those mortgages that are eligible for assignment 
under HUD's special assignment procedures, or we will take 
steps to assure that they are assigned within the required 
time frame.

8.	We have reported all ninety day delinquencies, 
completed foreclosures, accepted deed-in-lieu, and 
reinstated mortgages to the major credit repositories in 
accordance with our reporting requirements.

9.	Property inspections have been made where appropriate.

10. We have complied with the Internal Revenue Service's 
requirements for reporting the receipt of $600 or more of 
interest payments (IRS 1098) from a mortgagor, for filing 
statements for recipients of miscellaneous income (IRS 
1099-Misc) to report payments of fees to attorneys for 
handling liquidation proceedings. and for filing notices 
of acquisition of abandonment of secured property (IRS 
1099-A) to report the acquisition of property by 
foreclosure or acceptance of a deed-in-lieu or by a 
mortgagors abandonment of a property.

11. The Fidelity Bond and Errors and Omissions Coverage 
has been reviewed, all required coverage is in existence 
and none of our principal officers have been removed from coverage.

12.A viable contingency plan is in place to minimize 
financial loss and disruptions of service to the 
institution and its customers, as required by federal regulations.

I FURTHER CERTIFY:
A.	To the best of my knowledge and upon reasonable 
investigation, the servicing of the Mortgage Loans during 
the year of 1996 has been conducted in compliance with the 
Agreement except for such exceptions as I am setting forth below.

Exceptions (if any):	None

B.	A review of activities with respect to performance 
under the Agreement has been made under my supervision and 
to the best of my knowledge, based on such review, no 
default exists as of 12/31/96 in the fulfillment of any 
obligations under the Agreement other than the events of 
default, if any, which I am listing below with the nature 
and status thereof.

Events of Default (if any): None

NationsBanc Mortgage Corporation
/s/J. Mark Hanson
Servicing Director - Kentucky
Sr. Vice President