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, 1999
                                      -----------------

                                      OR

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

         For the transition period from               to
                                        -------------    ------------

                       Commission file number: 333-67327

                      Greenwich Capital Acceptance, Inc.,

          Resecuritization Mortgage Trust Certificates, Series 1999-B
          -----------------------------------------------------------
            (Exact name of Registrant as specified in its charter)


              Delaware                                06-1199884
--------------------------------           ------------------------------------
(State or other jurisdiction of            (IRS Employer Identification Number)
 incorporation or organization)

         600 Steamboat Road

         Greenwich, Connecticut                           06830
----------------------------------------        ------------------------
(Address of principal executive offices)               (Zip Code)

Registrant's telephone number, including area code:   (203) 622-2700
                                                      --------------

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 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. [ ]

State the aggregate market value of the voting and non-voting common equity
held by non-affiliates of the Registrant: Not applicable
                                          --------------

Indicate the number of shares of common stock of the Registrant outstanding as
of December 31, 1998: Not applicable
                      --------------


DOCUMENTS INCORPORATED BY REFERENCE


                                Not Applicable.

                                     * * *


         This Annual Report on Form 10-K (the "Report") is filed with respect
to the trust entitled Resecuritization Mortgage Trust, Series 1999-B (the
"Trust") formed pursuant to the agreement dated as of October 1, 1999 (the
"Trust Agreement") among Greenwich Capital Acceptance, Inc., as depositor (the
"Company"), and The Bank of New York, as trustee (the "Trustee"), for the
issuance of Resecuritization Mortgage Trust Certificates, Series 1999-B (the
"Certificates").

PART I

ITEM 1.           BUSINESS

                  Not applicable.

ITEM 2.           PROPERTIES

                  The Certificates, in the aggregate, represent the beneficial
                  ownership in a Trust consisting of residential mortgage
                  asset-backed certificates (the "Underlying Securities").
                  Even though the trusts which issued the Underlying
                  Securities (the "Underlying Trusts") may acquire title to
                  real estate on upon default of the mortgagors under the
                  Mortgage Loans held in the Underlying Trusts, the Trust
                  cannot obtain title to any real estate. Therefore, this item
                  is inapplicable.

ITEM 3.           LEGAL PROCEEDINGS

                  There were no material pending legal proceedings relating to
                  the Trust to which any of the Trust, the Trustee or the
                  Company was a party or of which any of their respective
                  properties was the subject during the fiscal year covered by
                  this Report, nor is the Company aware of any such
                  proceedings contemplated by governmental authorities.

ITEM 4.           SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

                  No matter was submitted to a vote of Certificateholders, and
                  no Certificateholder consent was solicited during the fiscal
                  year covered by this Report.

PART II

ITEM 5.           MARKET FOR REGISTRANT'S COMMON EQUITY AND RELATED
                  STOCKHOLDER MATTERS

                  (a)      There is no established public trading market for
                           the Certificates.

                  (b)      As of December 31, 1999, there were 14 holders of
                           record of the Certificates.

                  (c)      Not applicable. (Information as to distributions to
                           Certificateholders is provided in the Registrant's
                           filings on Form 8-K.)

ITEM 6.           SELECTED FINANCIAL DATA

                  Not applicable.

ITEM 7.           MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION
                  AND RESULTS OF OPERATIONS

                  Not applicable.

ITEM 8.           FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

                  Monthly Payment Date Statement distributed to
                  Certificateholders, dated November 19, 1998 and filed with
                  the Securities and Exchange Commission on Form 8-K on
                  December 6, 1999.

                  Monthly Payment Date Statement distributed to
                  Certificateholders, dated December 19, 1999 and filed with
                  the Securities and Exchange Commission on Form 8-K on March
                  28, 2000.

                  Monthly Payment Date Statement distributed to
                  Certificateholders, dated January 19, 2000 and filed with
                  the Securities and Exchange Commission on Form 8-K on March
                  28, 2000.

                  Monthly Payment Date Statement distributed to
                  Certificateholders, dated February 19, 2000 and filed with
                  the Securities and Exchange Commission on Form 8-K on March
                  28, 2000.

                  Monthly Payment Date Statement distributed to
                  Certificateholders, dated March 19, 2000 and filed with the
                  Securities and Exchange Commission on Form 8-K on March 28,
                  2000.

ITEM 9.           CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING
                  AND FINANCIAL DISCLOSURE

                  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

                  The following table sets for (i) the name and address of
                  each entity owning more than 5% of the outstanding principal
                  amount of each Class of Certificates of the Trust; (ii) the
                  principal amount of the Class of Certificates owned by each
                  and (iii) the percent that the principal amount of the Class
                  of Certificates owned by such entity represents in the
                  aggregate outstanding principal amount of such Class of
                  Certificates. The information set forth in the table for the
                  Certificates is based upon information obtained by the Trust
                  from DTC and represents ownership of beneficial interest in
                  the Certificates held by DTC. The Company is not aware of
                  any Schedule 13D or 13G filed with the Securities and
                  Exchange Commission in respect of the Certificates.

                    Class A-1           Principal Balance           Percentage
                    ---------           -----------------           ----------
    TPTM Supervisor                          $125,000,000             55.80%
    4 New York Plaza
    13th Floor

    New York, NY  10004
    Georgia Staniback                        $ 99,000,000             44.19%
    5 New York Plaza
    21st Floor
    New York, NY  10004


                    Class A-2           Principal Balance           Percentage
                    ---------           -----------------           ----------
    Issuer Services                          $29,613,000              100.00%
    c/o ADP Proxy Services
    S 1 Mercedes Way
    Edgewood, NY  11717


                    Class A-3           Principal Balance           Percentage
                    ---------           -----------------           ----------
    Cecile Lamarco                         $19,900,000                100.00%
    925 Patterson Plank Rd.
    Secaucus, NJ  07094

                    Class A-4           Principal Balance           Percentage
                    ---------           -----------------           ----------
    Cecile Lamarco                         $13,708,000                100.00%
    925 Patterson Plank Rd.
    Secaucus, NJ  07094

                    Class A-5           Principal Balance           Percentage
                    ---------           -----------------           ----------
    John Lasher                            $3,500,000                 10.96%
    c/o BT Service Tennessee Inc.
    648 Grassmere Park Drive
    Nashville, TN  37221

    Constance Holloway                     $2,000,000                  6.26%
    c/o Mellon Bank
    Three Mellon Bank Center
    Pittsburgh, PA  15258

    Jarvis A. McKee                        $18,728,500                 5.86%
    801 s. Canal
    Chicago, IL  60607

    Joseph J Callahan                      $4,400,000                 13.78%
    1776 Heritage Drive
    Global Corporate Action Unit
    North Quincy, MA  02171

                    Class A-R           Principal Balance           Percentage
                    ---------           -----------------           ----------
    Greenwich Capital Markets, Inc.          $48.00                    100%
    600 Steamboat Road
    Greenwich, CT  06830


ITEM 13.          CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

                  Not Applicable.

PART IV

ITEM 14.          EXHIBITS, FINANCIAL STATEMENT SCHEDULES, AND REPORTS ON FORM
                  8-K

                  (a)      The required exhibits are as follows:

                                    Exhibit 3(i): Copy of Company's
                           Certificate of Incorporation (Filed as an Exhibit
                           to Registration Statement on Form S-11 (File No.
                           33-42443)).

                                    Exhibit 3(ii): Copy of Company's By-laws
                           (Filed as an Exhibit to Registration Statement on
                           Form S-11 (File No. 33-42443)).

                  (b)      On March 28, 2000 the current report on Form 8-K
                           was filed in order to provide the statements for
                           the monthly distributions to the holders of
                           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.


                                  SIGNATURES

         Pursuant to the requirements of Section 13 or 15(d) of the Securities
Exchange Act of 1934, the Registrant certifies that it has duly caused this
Report to be signed on its behalf by the undersigned, thereunto duly
authorized.

                                        GREENWICH CAPITAL ACCEPTANCE, INC.


                                        By:    /s/ Robert J. McGinnis
                                           --------------------------------
                                                   Robert J. McGinnis
                                                       President

         Pursuant to the requirements of the Securities Exchange Act of 1934,
this Report has been signed below by the following persons on behalf of the
Registrant in the capacities and on the dates indicated:

<TABLE>
<CAPTION>

         Signature                                Title                                      Date
         ---------                                -----                                      ----

<S>                                     <C>                                        <C>
                                         President
/s/ Robert J. McGinnis                   (Principal Executive Officer)              March 27, 2000
---------------------------
         Robert J. McGinnis

                                         Chief Financial Officer
                                        (Principal Financial Officer and
/s/ John M. Ryan                         Principal Accounting Officer)              March 27, 2000
---------------------------
         John M. Ryan

                                         Senior Vice President,
/s/ John C. Anderson                     Secretary and Director                     March 27, 2000
------------------------------------
         John C. Anderson

/s/ Jay N. Levine                        Director                                   March 27, 2000
---------------------------
         Jay N. Levine
</TABLE>



EXHIBIT INDEX

                                                                     Sequential
Exhibit  Document                                                   Page Number
-----------------                                                   -----------

3(i)              Company's Restated Certificate of Incorporation (Filed as an
                  Exhibit to Registration Statement on Form S-11 (File
                  No.33-42443)) *

3(ii)             Company's By-laws (Filed as an Exhibit to Registration
                  Statement on Form S-11 (File No. 33-42443)) *

__________________
*        Incorporated herein by reference.