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, 2000 or

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


      Commission File No.:   333-65481-38

                         Wells Fargo Asset Securities Corporation
                         Mortgage Pass-Through Certificates
                         Series 2000-3 Trust
        (Exact name of registrant as specified in its charter)



New York                           52-2268472
(State or other jurisdiction     (I.R.S. Employer
 of incorporation or              Identification  No.)
 organization)

c/o Wells Fargo Bank Minnesota, N.A.
9062 Old Annapolis Road
Columbia, Maryland                            21045
(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 28, 2001, on behalf of
Wells Fargo Asset Securities Corporation Series 2000-3 Trust established
pursuant to the Pooling and Servicing Agreement among Wells Fargo Asset
Securities Corporation as Seller and Wells Fargo Bank Minnesota, National
Association as Master Servicer and United States Trust Company of New York as
Trustee and First Union National Bank as Trust Administrator, pursuant to which
the Wells Fargo Asset Securities Corporation Series 2000-3 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, 2000.

                     a)   Bank United (TX) <F1>
                     b)   Hibernia National Bank <F1>
                     c)   Fleet Mortgae Corporation <F1>
                     d)   Light House Community Bank <F1>
                     e)   Bank of America FSB (VA) <F1>
                     f)   Homeside Lending, Inc. (FL) <F1>
                     g)   National City Mortgage Company <F1>
                     h)   Sun Trust Mortgage, Inc. <F1>
                     i)   Wells Fargo Home Mortgage, Inc. <F1>
                     j)   First Union Mortgage Corporation <F1>
                     k)   Huntington Mortgage Company <F1>
                     l)   Countrywide Funding <F1>
                     m)   First Horizon Home Loan Corporation <F1>
                     n)   Chase Manhattan Mortgage Corporation <F1>
                     o)   Downey Savings <F1>
                     p)   Cendant Mortgage Corporation <F1>

              (99.2) Report  of  Management   as  to  Compliance   with  Minimum
                     Servicing Standards for the year ended December 31, 2000.

                     a)   Bank United (TX) <F1>
                     b)   Hibernia National Bank <F1>
                     c)   Fleet Mortgae Corporation <F1>
                     d)   Light House Community Bank <F1>
                     e)   Bank of America FSB (VA) <F1>
                     f)   Homeside Lending, Inc. (FL) <F1>
                     g)   National City Mortgage Company <F1>
                     h)   Sun Trust Mortgage, Inc. <F1>
                     i)   Wells Fargo Home Mortgage, Inc. <F1>
                     j)   First Union Mortgage Corporation <F1>
                     k)   Huntington Mortgage Company <F1>
                     l)   Countrywide Funding <F1>
                     m)   First Horizon Home Loan Corporation <F1>
                     n)   Chase Manhattan Mortgage Corporation <F1>
                     o)   Downey Savings <F1>
                     p)   Cendant Mortgage Corporation <F1>



              (99.3) Annual  Statements  of  Compliance  under the  Pooling  and
                     Servicing Agreements for the year ended December 31, 2000.

                     a)   Bank United (TX) <F1>
                     b)   Hibernia National Bank <F1>
                     c)   Fleet Mortgae Corporation <F1>
                     d)   Light House Community Bank <F1>
                     e)   Bank of America FSB (VA) <F1>
                     f)   Homeside Lending, Inc. (FL) <F1>
                     g)   National City Mortgage Company <F1>
                     h)   Sun Trust Mortgage, Inc. <F1>
                     i)   Wells Fargo Home Mortgage, Inc. <F1>
                     j)   First Union Mortgage Corporation <F1>
                     k)   Huntington Mortgage Company <F1>
                     l)   Countrywide Funding <F1>
                     m)   First Horizon Home Loan Corporation <F1>
                     n)   Chase Manhattan Mortgage Corporation <F1>
                     o)   Downey Savings <F1>
                     p)   Cendant Mortgage Corporation <F1>


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

            (b)  On November 8, 2000, December 11, 2000, and January 3, 2001,
                 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:

Wells Fargo Asset Securities Corporation
Mortgage Pass-Through Certificates
Series 2000-3 Trust

Signed:   Wells Fargo Bank Minnesota, N.A., as Master Servicer

By:   Beth Belfield, Assistant Vice President
By:  /s/  Beth Belfield, Assistant Vice President

Dated:  July 10, 2002


Exhibit Index

Exhibit No.

99.1      Annual Independent Accountants' Servicing Reports concerning servicing
          activities for the year ended December 31, 2000.

                     a)   Bank United (TX) <F1>
                     b)   Hibernia National Bank <F1>
                     c)   Fleet Mortgae Corporation <F1>
                     d)   Light House Community Bank <F1>
                     e)   Bank of America FSB (VA) <F1>
                     f)   Homeside Lending, Inc. (FL) <F1>
                     g)   National City Mortgage Company <F1>
                     h)   Sun Trust Mortgage, Inc. <F1>
                     i)   Wells Fargo Home Mortgage, Inc. <F1>
                     j)   First Union Mortgage Corporation <F1>
                     k)   Huntington Mortgage Company <F1>
                     l)   Countrywide Funding <F1>
                     m)   First Horizon Home Loan Corporation <F1>
                     n)   Chase Manhattan Mortgage Corporation <F1>
                     o)   Downey Savings <F1>
                     p)   Cendant Mortgage Corporation <F1>



99.2      Report of Management as to Compliance with Minimum Servicing Standards
          for the year ended December 31, 2000.

                     a)   Bank United (TX) <F1>
                     b)   Hibernia National Bank <F1>
                     c)   Fleet Mortgae Corporation <F1>
                     d)   Light House Community Bank <F1>
                     e)   Bank of America FSB (VA) <F1>
                     f)   Homeside Lending, Inc. (FL) <F1>
                     g)   National City Mortgage Company <F1>
                     h)   Sun Trust Mortgage, Inc. <F1>
                     i)   Wells Fargo Home Mortgage, Inc. <F1>
                     j)   First Union Mortgage Corporation <F1>
                     k)   Huntington Mortgage Company <F1>
                     l)   Countrywide Funding <F1>
                     m)   First Horizon Home Loan Corporation <F1>
                     n)   Chase Manhattan Mortgage Corporation <F1>
                     o)   Downey Savings <F1>
                     p)   Cendant Mortgage Corporation <F1>


99.3      Annual  Statements  of  Compliance  under the  Pooling  and  Servicing
          Agreements for the year ended December 31, 2000.

                     a)   Bank United (TX) <F1>
                     b)   Hibernia National Bank <F1>
                     c)   Fleet Mortgae Corporation <F1>
                     d)   Light House Community Bank <F1>
                     e)   Bank of America FSB (VA) <F1>
                     f)   Homeside Lending, Inc. (FL) <F1>
                     g)   National City Mortgage Company <F1>
                     h)   Sun Trust Mortgage, Inc. <F1>
                     i)   Wells Fargo Home Mortgage, Inc. <F1>
                     j)   First Union Mortgage Corporation <F1>
                     k)   Huntington Mortgage Company <F1>
                     l)   Countrywide Funding <F1>
                     m)   First Horizon Home Loan Corporation <F1>
                     n)   Chase Manhattan Mortgage Corporation <F1>
                     o)   Downey Savings <F1>
                     p)   Cendant Mortgage Corporation <F1>



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

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



   EX-99.1 (a)



    KPMG  (logo)




    700 Louisiana
    Houston, TX 77002
    Telephone 713 319 2000
    Fax 713 319 2041

                          Independent Accountants' Report

    The Board of Directors Bank United:

    We have examined management's assertion about Bank United and subsidiaries'
    (the Bank) compliance 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 September 30, 2000,
    included in the accompanying Management Assertion. 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 made in accordance with 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 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 the Bank has complied in all
    material respects with the aforementioned minimum servicing standards as of
    and for the year ended September 30, 2000, is fairly stated, in all material
    respects.



    October 23, 2000

   EX-99.1 (b)

ERNST&YOUNG     (logo)

Ernst & Young LLP
4200 One Shell Square
701 Poydras Street
New Orleans
Louisiana 70139-9869

Phone: (504) 581-4200
www.ey.com


       Report of Independent Accountants on Report on Management's Assertion
          on Compliance with Minimum Servicing Standards Set Forth in the
               Uniform Single Attestation Programfor Mortgage Bankers

         The Directors' Audit Committee
         Hibernia Corporation

         We have examined management's assertion, included in the accompanying
         report titled Report of Management, that Hibernia National Bank
         (the Company), a wholly owned subsidiary of Hibernia Corporation,
         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, 2000.
         Management is responsible for the Company's compliance with those
         requirements. Our responsibility is to express an opinion on
         management's assertions about the Company'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
         the Company'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 the
         Company's compliance with specified requirements.

         In our opinion, management's assertion that the Company complied with
         the aforementioned requirements during the year ended December 31,
         2000, is fairly stated, in all material respects.

         This report is intended solely for the information and use of the
         Directors' Audit Committee, management, and the U.S. Department of
         Housing and Urban Development and is not intended to be and should not
         be used by anyone other than these specified parties.



         March 26, 2001


   EX-99.1 (c)

    PRICEWATERHOUSECOOPERS   (logo)




    PricewaterhouseCoopers LLP
    1441 Main Street, Suite 705
    Columbia SC 29201
    Telephone (803) 779 0930

                        Report of Independent Accountants

    To the Board of Directors and Stockholder
    of Fleet Mortgage Corp.

    We have examined management's assertion about Fleet Mortgage Corp. and its
    subsidiaries' (the "Company") 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, 2000 included in the accompanying management
    assertion (see Exhibit 1). Management is responsible for the Company's
    compliance with those minimum servicing standards. Our responsibility is to
    express an opinion on management's assertion about the Company'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 the
    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 the Company's
    compliance with the minimum servicing standards.

    In our opinion, management's assertion that the Company complied with the
    aforementioned minimum servicing standards as of and for the year ended
    December 31, 2000 is fairly stated, in all material respects.

    March 2, 2001

   EX-99.1 (d)

    Grant Thornton (logo)
    Accountants and
    Management Consultants
    Grant Thornton LLP
    The US Member Firm of
    Grant Thornton International




                              Independent Accountant's Report


         To Lighthouse Financial Services, Inc.


         We have examined management's assertion about Lighthouse Financial
         Services, Inc.'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 September 30, 2000 included in the accompanying
         management assertion.  Management is responsible for Lighthouse
         Financial Services, Inc.'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 made in accordance with standards established by
         the American Institute of Certified Public Accountants and,
         accordingly, included examining, on a test basis, evidence about
         Lighthouse Financial Services, Inc.'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 Lighthouse
         Financial Services, Inc.'s compliance with the minimum servicing
         standards.

         In our opinion, management's assertion that Lighthouse Financial
         Services, Inc. complied with the aforementioned minimum servicing
         standards as of and for the year ended September 30, 2000 is fairly
         stated, in all material respects.

         Cincinnati, Ohio
         November 15, 2000

   EX-99.1 (e)

PRICEWATERHOUSECOOPERS   (logo)

PricewaterhouseCoopers LLP
Bank of America Corporate Center
100 North Tryon Street
Suite 5400
Charlotte NC 28202
Telephone (704) 344 7500
Facsimile (704) 344 4100


                       Report of Independent Accountants

     To the Board of Directors and Shareholder
     of Bank of America, N.A.

    We have examined management's assertion about compliance by BA Mortgage, LLC
    and the mortgage division of Bank of America, N.A. (collectively the
    "Company"), which together comprise an operating division of Bank of
    America, N.A., 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,
    2000 included in the accompanying management assertion (see Exhibit 1).
    Management is responsible for the Company's compliance with those minimum
    servicing standards. Our responsibility is to express an opinion on
    management's assertion about the Company'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 the
    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 the Company's
    compliance with the minimum servicing standards.

    In our opinion, management's assertion that the Company complied with the
    aforementioned minimum servicing standards as of and for the year ended
    December 31, 2000 is fairly stated, in all material respects.

    January 25, 2001

    EX-99.1 (f)

    KPMG    (logo)

    Suite 2700, Independent Square
    One Independent Drive
    PO. Box 190
    Jacksonville, FL 32201-0190

                          Independent Auditors' Report


    The Board of Directors
    HomeSide Lending, Inc.:


    We have examined management's assertion about HomeSide Lending, Inc. and
    subsidiaries' (the  Company's) compliance with the minimum servicing
    standards set forth in the Mortgage Bankers Association of America's Uniform
    Single Attestation Program for Mortgage Bankers and that the Company had in
    effect a fidelity bond and errors and omissions policy in the amount of $76
    million and $20 million, respectively, as of and for the year ended
    September 30, 2000, included in the accompanying management assertion letter
    dated December 1, 2000.  Management is responsible for the Company's
    compliance with those minimum servicing standards.  Our responsibility is to
    express an opinion on management's assertion about the Company's compliance
    based on our examination.

    Our examination was made in accordance with standards established by the
    American Institute of Certified Public Accountants and, accordingly,
    included examining, on a test basis, evidence about the 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 the Company's compliance with the
    minimum servicing standards.

    In our opinion, management's assertion that HomeSide Lending, Inc. and
    subsidiaries has complied in all material respects with the aforementioned
    minimum servicing standards and that the Company had in effect a fidelity
    bond and errors and omissions policy in the amount of $76 million and $20
    million, respectively, as of and for the year ended September 30, 2000 is
    fairly stated, in all material respects.





    December 1, 2000



   EX-99.1 (g)

ERNST&YOUNG    (logo)
Ernst & Young LLP
1300 Huntington Building
925 Euclid Avenue
Cleveland, Ohio 44115-1405
Phone: (216) 861-5000
www.ey.com

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

                          Report of Independent Accountants

          Board of Directors
          National City Mortgage Co.

          We have examined management's assertion, included in the accompanying
          report titled Report of Management, that National City Mortgage Co.
          (NCM) 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,
          2000. Management is responsible for NCM's compliance with those
          requirements. Our responsibility is to express an opinion on
          management's assertions about NCM's compliance based on our
          examination.

          Our examination was made in accordance with standards established by
          the American Institute of Certified Public Accountants and,
          accordingly, included examining, on a test basis, evidence about NCM'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 NCM's
          compliance with specified requirements.

          In our opinion, management's assertion, that NCM complied with the
          aforementioned requirements during the year ended December 31, 2000,
          is fairly stated, in all material respects.

          This report is intended solely for the information and use of the
          audit committee, management, Federal Home Loan Mortgage Corporation,
          Federal National Mortgage Association, Government National Mortgage
          Association and NCM private investors and is not intended to be and
          should not be used by anyone other than these specified parties.

          February 2, 2001

   EX-99.1 (h)

    ARTHURANDERSEN  (logo)




    REPORT OF INDEPENDENT PUBLIC ACCOUNTANTS

    To SunTrust Mortgage, Inc.:

    We have examined management's assertion about SUNTRUST MORTGAGE, INC.'s
    compliance with the minimum servicing standards identified in the Mortgage
    Bankers Association of America's Uniform Single Attestation Program for
    Mortgage Banks ("USAP") and that the Company had in effect a fidelity bond
    and errors and omissions policy in the amounts of $ 100,000,000 and
    $28,500,000, respectively, as of and for the year ended December 31, 2000
    included in the accompanying management assertion. Management is responsible
    for the Company's compliance with those minimum servicing standards and for
    maintaining a fidelity bond and errors and omissions policy. Our
    responsibility is to express an opinion on management's assertion about the
    entity's compliance with the minimum servicing standards and maintenance of
    a fidelity bond and errors and omissions policy based on our examination.

    Our examination was made in accordance with standards established by the
    American Institute of Certified Public Accountants and, accordingly,
    included examining, on a test basis, evidence about the 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 the Company's compliance with the
    minimum servicing standards.

    In our opinion, management's assertion that the Company complied with the
    aforementioned minimum servicing standards and that the Company had in
    effect a fidelity bond and errors and omissions policy in the amounts of $
    100,000,000 and $28,500,000, respectively, as of and for the year ended
    December 31, 2000 is fairly stated in all material respects.



    Atlanta, Georgia
    February 2, 2001

    EX-99.1 (i)


2500 Ruan Center
666 Grand Avenue
Des Moines, IA 50309


        INDEPENDENT ACCOUNTANTS' REPORT

The Board of Directors
Wells Fargo Home Mortgage:

We have examined management's assertion about Wells Fargo Home Mortgage'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, 2000, included in the
accompanying management assertion.  Management is responsible for Wells Fargo
Home Mortgage'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 made in accordance with standards established by the
American Institute of Certified Public Accountants and, accordingly, included
examining, on a test basis, evidence about Wells Fargo Home Mortgage'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 Wells Fargo Home Mortgage's compliance with
the minimum servicing standards.

In our opinion, management's assertion that Wells Fargo Home Mortgage complied
with the aforementioned minimum servicing standards as of and for the year ended
December 31, 2000, is fairly stated, in all material respects.

January 16, 2001

   EX-99.1 (j)

KPMG (logo)
401 South Tryon Street
Suite 2300
Charlotte, NC 28202-1911

                       Independent Accountants' Report

    The Board of Directors
    First Union Mortgage Corporation

    We have examined management's assertion, included in the accompanying
    management assertion, that First Union Mortgage Corporation (a wholly-owned
    subsidiary of First Union Corporation) materially 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, 2000. Management is responsible
    for First Union Mortgage Corporation's compliance with those minimum
    servicing standards. Our responsibility is to express an opinion on
    management's assertion about First Union Mortgage Corporation'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 First Union
    Mortgage Corporation'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
    First Union Mortgage Corporation's compliance with the minimum servicing
    standards.

    In our opinion, management's assertion that First Union Mortgage Corporation
    complied in all material respects with the aforementioned minimum servicing
    standards as of and for the year ended December 31, 2000 is fairly stated,
    in all material respects.


    March 20, 2001



   KPMG LLP. KPMG LLP, a U.S. limited liability partnership, is a member of
   KPMG International, a Swiss association.

    EX-99.1 (k)

ERNST&YOUNG  (logo)

Ernst&Young LLP
1100 Huntington Center
41 South High Street
Columbus, Ohio 43215

Phone: (614) 224-5678
Fax:   (614) 222-3939



                         Report of Independent Accountants


        Board of Directors
        The Huntington Mortgage Company

        We have examined management's assertion, included in the accompanying
        report titled Report of Management, that The Huntington Mortgage Company
        (HMC), a wholly-owned subsidiary of The Huntington National 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) during the year ended December 31, 2000.
        Management is responsible for HMC's compliance with those requirements.
        Our responsibility is to express an opinion on management's assertion
        about HMC'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
        HMC'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 HMC's compliance
        with specified requirements,

        In our opinion, management's assertion that HMC complied with the
        aforementioned requirements during the year ended December 31, 2000 is
        fairly stated, in all material respects.

        This report is intended solely for the information and use of the board
        of directors, management, Federal Home Loan Mortgage Corporation,
        Federal National Mortgage Association, and HMC's private investors,
        and is not intended to be and should not be used by anyone other than
        these specified parties.

        March 6, 2001

    EX-99.1 (l)

    Grant Thornton   (logo)
    Accountants and
    Management Consultants
    Grant Thornton LLP
    The US Member Firm of
    Grant Thornton International

                 REPORT OF INDEPENDENT ACCOUNTANTS ON MANAGEMENT'S ASSERTION ON
               COMPLIANCE WITH MINIMUM SERVICING STANDARDS SET FORTH IN THE
               UNIFORM SINGLE ATTESTATION PROGRAM FOR MORTGAGE BANKERS



         Board of Directors
         Countrywide Credit Industries, Inc.

         We have examined management's assertion about Countrywide Credit
         Industries, Inc. and Subsidiaries (which includes its wholly-owned
         subsidiary, Countrywide Home Loans, Inc.) ("the Company") 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 February 28, 2001
         included in the accompanying management assertion. Management is
         responsible for the Company's compliance with those minimum servicing
         standards. Our responsibility is to express an opinion on management
         assertion about the entity's compliance based on our examination.

         Our examination was made in accordance with standards established by
         the American Institute of Certified Public Accountants and,accordingly,
         included examining, on a test basis, evidence about the 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 the
         Company's compliance with the minimum servicing standards.

         In our opinion, management's assertion that Countrywide Credit
         Industries, Inc. and Subsidiaries (which includes wholly-owned
         subsidiary, Countrywide Home Loans, Inc.) complied with the
         aforementioned minimum servicing standards as of and for the year ended
         February 28, 2001 is fairly stated, in all material respects.



         Los Angeles, California
         March 16, 2001


    EX-99.1 (m)

    ARTHURANDERSEN   (logo)



    REPORT OF INDEPENDENT PUBLIC ACCOUNTANTS



    To the Stockholder of First Tennessee Mortgage Services, Inc.:   By

    We have examined management's assertion about First Tennessee Mortgage
    Services, Inc.'s (the "Company") compliance with the minimum servicing
    standards identified in the Mortgage Bankers Association of America's
    Uniform Single Attestation Program for Mortgage Bankers (USAP) and that the
    Company had in effect a fidelity bond policy in the amount of $70,000,000
    and an errors and omissions policy in the amount of $50,000,000 as of and
    for the year ended December 31, 2000, included in the accompanying
    management assertion letter. Management is responsible for the Company's
    compliance with those minimum servicing standards and for maintaining a
    fidelity bond and errors and omissions policy. Our responsibility is to
    express an opinion on management's assertion about the Company's compliance
    with the minimum servicing standards and maintenance of a fidelity bond and
    errors and omissions policy based on our exammation.

    Our examination was made in accordance with standards established by the
    American Institute of Certified Public Accountants and, accordingly,
    included examining, on a test basis, evidence about the 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 the Company's compliance with the
    minimum servicing standards.

    In our opinion, except for the matters disclosed therem, management's
    assertion that the Company complied with the aforementioned minimum
    servicing standards and that the Company had in effect a fidelity bond
    policy in the amount of $70,000,000 and an errors and omissions policy in
    the amount of $50,000,000 as of and for the year ended December 31, 2000, is
    fairly stated, in all material respects.


    Memphis, Tennessee,
    February 16, 2001.


   EX-99.1 (n)

 PRICEWATERHOUSECOOPERS (LOGO)
 PricewaterhouseCoopers LLP
 1441 Main Street, Suite 705
 Columbia SC 29201
 Telephone (803) 779 0930



                      Report of Independent Accountants



    To the Board of Directors and Stockholder
    of Chase Manhattan Mortgage Corporation:


    We have examined management's assertion about Chase Manhattan Mortgage
    Corporation's (the "Company") compliance with the minimum servicing
    standards ("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, 2000 included in the accompanying
    management assertion (see Exhibit 1). The Company performs loan subservicing
    functions for the  residential loan servicing portfolio of Chase Mortgage
    Company.  Management is responsible for the 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 made in accordance with standards established by the
    American Institute of Certified Public Accountants and, accordingly,
    included examining, on a test basis, evidence about the Company's compliance
    with the 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 the Company's compliance with the standards.

    In our opinion, management's assertion that the Company complied with the
    aforementioned standards as of and for the year ended December 31, 2000 is
    fairly stated, in all material respects.







    March 2, 2001

    EX-99.1 (o)

     KPMG       (logo)

     355 South Grand Avenue
     Suite 2000
     Los Angeles, CA 90071-1568



                    INDEPENDENT ACCOUNTANTS' REPORT



     The Board of Directors
     Downey Financial Corp.:


     We have examined management's assertion about Downey Financial Corp. and
     subsidiaries'(Downey) compliance 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, 2000 included in the accompanying management assertion.
     Management is responsible for Downey's compliance with those minimum
     servicing standards. Our responsibility is to express an opinion on
     management's assertion about Downey's compliance based on our examination.

     Our examination was made in accordance with standards established by the
     American Institute of Certified Public Accountants and, accordingly,
     included examining, on a test basis, evidence about Downey's compliance
     with the minimum servicing standards and perforiming 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 Downey's compliance with the
     minimum servicing standards.

     In our opinion, management's assertion that Downey Financial Corp. and
     subsidiaries has complied in all material respects with the aforementioned
     minimum servicing standards as of and for the year ended December 31, 2000
     is fairly stated, in all material respects.



      January 17, 2001

    EX-99.1 (p)

    Deloitte & Touche LLP
    Two Hilton Court
    P.O. Box 319
    Parsippany, New Jersey 07054-0319

    Tel: (973) 683 7000
    Fax: (973) 683 7459
    www.us.deloitte.com


    Deloitte   (logo)
    &Touche

     INDEPENDENT AUDITORS'REPORT


     Cendant Mortgage Corporation:

     We have examined management's assertion about Cendant Mortgage
     Corporation'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, 2000 included in the accompanying management assertion. Management is
     responsible for Cendant Mortgage Corporation'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 made in accordance with standards established by the
     American Institute of Certified Public Accountants and, accordingly,
     included examining, on a test basis, evidence about Cendant Mortgage
     Corporation'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
     Cendant Mortgage Corporation's compliance with the minimum servicing
     standards.

     In our opinion, management's assertion that Cendant Mortgage Corporation
     complied with the aforementioned minimum servicing standards as of and for
     the year ended December 31, 2000, is fairly stated in all material
     respects.



     February 9, 2001



   EX-99.2 (a)


    3200 Southwest Freeway, Suite 2000
    Houston, Texas 77027
    P.O. Box 1370
    Houston, Texas 77251-1370
    Telephone 713/543-6500

    Bank United of Texas FSB

    BANK   (logo)
    UNITED



                            Management Assertion


    As of and for the year ended September 30, 2000, Bank United and
    subsidiaries' (the "Bank") 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 year, the Bank had in effect a fidelity bond and errors and
    omissions policy in the amount of $40,000,000 and $25,000,000, respectively.



    Anthony J. Nocella                       Jonathon K. Heffron
    CFO & Vice President                     COO, Executive Vice President and
    October 23,2000                          General Counsel
                                             October 23, 2000

   EX-99.2 (b)

HIBERNIA (logo)
MEMBER FDIC



MANAGEMENT ASSERTION


As of and for the period ended December 31, 2000, Hibernia National
Bank 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 (USAP). As of
and for this same period, Hibernia National Bank had in effect a
fidelity bond and errors and omissions policy. Refer to the enclosed
certificates for the specific amounts.




Gerald J. Lachney
Assistant Vice President



September 13, 2001


HIBERNIA NATIONAL BANK * POST OFFICE BOX 481 * BATON ROUGE, Los Angeles 70821 *
225-381-2000

   EX-99.2 (c)

Fleet
Mortgage     (logo)
1333 Main Street
Columbia, SC 29201
803 929.7900 tel
803 929.7107 fax



                     Management's Assertion Concerning Compliance
                          with USAP Minimum Servicing Standards

March 2, 2001

As of and for the year ended December 31, 2000, Fleet Mortgage Corp. and its
subsidiaries (the "company") have 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 ("USAP").

As of and for this same period, the Company had in effect a fidelity bond and
errors and omissions policy of $1000,000,000 and $20,000,000 respectively.


Michael J. Torke
Chief Executive Officer and President


William B. Naryka
Executive Vice President, Chief Financial Officer


Robert A. Rosen
Executive Vice President of Loan Servicing

     EX-99.2 (d)




                          LIGHTHOUSE   (logo)



 As of and for the year eneded September 30, 2000, Lighthouse
 Financial Services, Inc. has complied in all material respects with
 the minimum serviving standards set forth in the Mortgage Bankers
 Association of America's Uniform Single Attestation Program for
 Mortgage Bankers.  As of and for the same period, Lighthouse
 Financial Services, Inc. had in effect a fidelity bond and erros
 and ommissions policy in the amount of $1,000,000.00



 Jerry T. Caldwell, Cheif Executive Officer

   EX-99.2 (e)

Bank of America  (logo)

BankofAmerica
100 North Tryon Street
Charlotte, NC 28255

Tel 704.332.2321

Exhibit 1

MANAGEMIENT'S ASSERTION CONCERNING COMPLIANCE
WITH THE USAP MINIMUM SERVICING STANDARDS

January 25, 2001

As of and for the year ended December 31, 2000, except as specifically
noted below, BA Mortgage, LLC and the Mortgage division of Bank of
America, N.A. (collectively, the "Company"), which together comprise an
operating division of Bank of America, N.A., has complied in all
material respects with the minimum servicing standards (the
"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, 2000, the following instance of
noncompliance with the Standards occurred; however, this instance has
been remedied and procedural enhancements continue to be implemented.

Standard: Custodial bank account and related bank clearing account
reconciliations shall be prepared within forty-five (45) calendar
days after the cutoff date and documented reconciling items shall be
resolved from these reconciliations within ninety (90) calendar days
of their original identification.

During the year ended December 31, 2000, management continued to
isolate and review reconciling items in custodial accounts related
to certain real estate mortgage investment conduits. For the months
January through May, reconciling items had been outstanding for more
than 90 days; as of December 31, 2000, no reconciling items had been
outstanding for more than 90 days

Management has taken definitive actions and implemented procedures and
controls to address and correct the instance of noncompliance which
occurred during 2000.

As of and for the year ended December 31, 2000, the Company was covered
by Bank of America Corporation's fidelity bond insurance coverage and
mortgage servicing errors and omissions insurance coverage in the
amounts of $275,000,000 and $275,000,000, respectively.


U S A (logo)


Kevin M. Shannon
President
Consumer Real Estate

Daniel F. Hellams
President
Bank of America Mortgage

Denise C. Sawyer
Chief Financial Officer
Bank of America Mortgage

Gary K. Bettin
Consumer Real Estate
Loan Servicing Executive
Bank of America Mortgage

J. Mark Hanson
Senior Vice President
Bank of America Mortgage

H. Randall Chestnut
Senior Vice President
Bank of America Mortgage

Jeanne Bader
Senior Vice President
Bank of America Mortgage

    EX-99.2 (f)

HOMESIDE
LENDING, INC.  (logo)




Management Assertion Letter



As of and for the year ended September 30, 2000, HomeSide Lending,
Inc. and subsidiaries 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, HomeSide Lending had
in effect a fidelity bond and errors and omissions policy in the
amount of $76 million and $20 million, respectively.




William Glasgow, Jr.





December 1, 2000







Post Office Box 45298, Jacksonville, FL 32232-5298 1-800-874-0209


   EX-99.2 (g)




         National City Mortgage Co.
         3232 Newmark Drive
         Miamisburg, Ohio 45342
         Telephone (937) 910-1200

         Mailing Address:
         P.O. Box 1820
         Dayton, Ohio 45401-1820

            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 National City Mortgage Co., (NCM),
         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 NCM's compliance with the minimum servicing standards as
         set forth in the USAP as of December 31, 2000 and for the year then
         ended. Based on this evaluation, we assert that during the year ended
         December 31, 2000, NCM complied, in all material respects, with the
         minimum servicing standards set forth in the USAP.

         As of and for this same period, NCM had in effect a fidelity bond and
         errors policy in the amount of $70 million and an omissions policy in
         the amount of $40 million.



             T. Jack Case Jr., Executive Vice President
             February 2. 2001


   EX-99.2 (h)

            SunTrust Mortgage, Inc.
            Post Office Box 26149
            Richmond. VA 23260-6149
            1-800-634-7928

            SUNTRUST   (logo)


            February 10, 2000


            Arthur Andersen LLP
            133 Peachtree Street, NE
            Atlanta, GA 30303


            Dear Sirs:

            As of and for the year ended December 1, 2000, SunTrust Mortgage,
            Inc. 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, SunTrust Mortgage, Inc. had in
            effect a fidelity bond and errors and omissions policy in the
            amounts of $100,000,000 and $28,500,000 respectively.

            Sincerely,

            Ralph B. Carrigan
            Executive Vice President

   EX-99.2 (i)


    Wells Fargo Home Mortgage   (logo)
    1 Home Campus
    Des Moine, IA 50328-0001




                          Management Assertion



      As of, and for the year ended December 31,2000, Wells Fargo Home Mortgage
      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 the same period,
      Wells Fargo Home Mortgage had in effect a fidelity bond along with an
      errors and omissions policy in the amounts of $50 million and $10 million,
      respectively.



     Pete Wissinger                                    January 16, 2001
     Chief Executive                                   Date


     Geoff Dreyer                                      January 16, 2001
     Chief Financial Officer                           Date


     Mike Heid                                         January 16, 2001
     Executive Vice President Loan Servicing           Date

   EX-99.2 (j)

FIRST UNION (logo)


First Union Mortgage Corporation
NC1087
201 South College Street
Charlotte, NC 28288-1087
Tel 704 374-6787

MANAGEMENT'S ASSERTION

As of and for the year ended December 31, 2000, First Union Mortgage Corporation
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 the year ended December
31, 2000, First Union Mortgage Corporation had in effect a fidelity bond and
errors and omissions policy in the amount of $200 million and $20 million,
respectively.



Debra M. Warren, President/                  March 20, 2001
Chief Executive Officer                           Date



Debbie Craig, Sr. Vice President/            March 20, 2001
Chief Financial Officer                           Date



Tim Schuck, Vice President/                  March 20, 2001
Director of Servicing                            Date



Joseph F. DeDominicis, Vice President/       March 20, 2001
Operational and Credit Risk Manager              Date


   EX-99.2 (k)

Huntington
Mortgage
Company  (logo)


Report of Management



We, as members of management of The Huntington Mortgage Company (HMC), a
wholly-owned subsidiary of The Huntington National Bank, 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 HMC's compliance
with the minimum servicing standards as set forth in the USAP as of
December 31, 2000 and for the year then ended. Based on this evaluation,
we assert that during the year ended December 31, 2000, HMC complied, in
all material respects, with the minimum servicing standards set forth in
the USAP.

As of and for this same period, HMC had in effect a fidelity bond in the
amount of $70,000,000 and an errors and omissions policy in the amount of
$10,000,000.





Thomas J. Finnegan III
President and Chief Executive Officer




Irving A. Adler
Senior Vice President




March 6, 2001

    EX-99.2 (l)

Countrywide  (logo)

4500 Park Granda
Calabasas, CA  91302

(818)225-3000

March 16, 2001

Grant Thornton LLP
1000 Wilshire Boulevard, Suite 300
Los Angeles, CA 90017

Gentlemen:

As of and for the year ended February 28, 2001, Countrywide Credit
Industries, Inc. and Subsidiaries (which includes its wholly-owned
subsidiary, Countrywide Home Loans, Inc.) ("the Company") has complied in
all material respects with the minimum servicing standards set forth in the
Mortgage Bankers Association of America's Uniform Single Attestation for
Mortgage Bankers. As of and for this same period, the Company had in effect
a fidelity bond and errors and omissions policy in the amount of
$230,000,000.

Carlos M. Garcia
Senior Managing Director,
Chief Financial Officer


   EX-99.2 (m)

    FIRST
    HORIZON           (logo)
    HOME LOANS






    Arthur Andersen L.L.P.
    100 Peabody Place, Suite 1100
    Memphis, TN 38103-3625

    Dear Sirs:

    As of and for the year ended December 31, 2000, First Horizon Home Loan
    Corporation and its wholly-owned subsidiary, First Tennessee Mortgage
    Services, Inc. (the "Company") has complied in all material respects, except
    for the matters disclosed in Exhibit 1, 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,
    the Company had in effect a fidelity bond policy in the amount of
    $70,000,000 and an errors and omissions policy in the amount of $50,000,000.


    Peter F. Makowiecki
    Chief Financial Officer
    February 16, 2001


    EX-99.2 (n)

CHASE  (logo)

Exhibit 1

Management's Assertion Concerning Compliance
with USAP Minimum Servicing Standands


March 2, 2001

As of and for the year ended December 31, 2000, Chase Manhattan Mortgage
Corporation ("CMMC") and Chase Mortgage Company ("CMC") and their subsidiaries
(collectively, the "Group") have complied in all material respects with the
minimum servicing standards (the "Standards") set forth in the Mortgage
Bankers Association of America's Uniform Single Attestation Program for
Mortgage Bankers ("USAP")

As of and for this same period, the Group had in effect fidelity bond and
errors and omissions policy in the amounts of $250,000,000 and $25,000,000
respectively.

Thomas Jacob
Chief Executive Officer


Terry L. Gentry
Sr. Vice President of Servicing


Glenn Mouridy
Executive Vice President of Servicing


Lucy Gambino
Vice President of Risk Management

   EX-99.2 (o)

DOWNEY FINANCIAL CORP.



Management's Report on Compliance
with Minimum Servicing Standards




As of and for the year ended December 31, 2000, Downey Financial Corp. and
subsidiaries (Downey) 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, Downey had in effect a fidelity bond in the amount of $15 million
limit per loss incident and aggregate coverage of $30 million.  Downey also
had an errors and omissions policy in the amount of $15 million as of and for
the same period.




Daniel D.Rosenthal
President and Chief Executive Officer


Thomas E Prince
Executive Vice President
Chief Financial Officer




January 17, 2001


Downey Financial Corp.
3501 Jamboree Road * P.O. Box 6000 * Newport Beach, CA 92658-6000 *
(949) 509-4500

   EX-99.2 (p)

Cendant Mortgage
3000 Leadenhall Road
Mount Laurel, NJ 08054

CENDANT  (logo)
Mortgage

As of and for the year ended December 31, 2000, Cendant Mortgage
Corporation (the Company) 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, the Company had in
effect a fidelity bond and errors and omissions policy in the amount
of $110 million and $20 million, respectively.

Cendant Mortgage Corporation


Terence W.Edwards
President and Chief Executive Officer


Martin Foster
Vice President Servicing Management Group



   EX-99.3 (a)

    3200 Southwest Freeway, Houston, Texas 77027
    P.O. Box 2824, Houston, Texas
    713/543-8675, 800/288-3223

    BANK
    UNITED (logo)

    Wells Fargo Bank Minnesota, N.A,
    11000 Broken Land Parkway
    Columbia, MD 21044-3562
    Attention: Master Servicing

    RE: Officer's Certificate

    Dear Master Servicer:

    The undersigned Officer certifies the following for the 2000 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:


Officer Tyrone W. Crawley

Vice President
Title

3-27-01
Date


   EX-99.3 (b)

     HIBERNIA   (logo)
     MEMBER FDIC

     Wells Fargo Bank Minnesota, N.A.
     11000 Broken Land Parkway
     Columbia, MD 21044-3562
     Attention: Master Servicing
     RE: Officer's Certificate


     Dear Master Servicer:


     The undersigned Officer certifies the following for the 2000 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:


     Officer


     Sr. Vice President
     Title


     3/30/01
     Date

    EX-99.3 (c)

    Wells Fargo Bank Minnesota., N.A,
    11000 Broken Land Parkway
    Columbia, MD 21044-3562
    Attention: Master Servicing

    RE: Officer's Certificate

    Dear Master Servicer:

    The undersigned Officer certifies the following for the 2000 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:



    Officer



    Title



    Date

    EX-99.3 (d)




                               LIGHTHOUSE  (logo)


         Annual Officer Certification


         The undersigned Servicing Officer certifies the following for the
         fiscal year ended 9/30/00:

         a.  All premiums  for each Standard Hazard Insurance Policy, Flood
             Insurance Policy (if any) and FHA Certificate of  Mortgage
             Insurance (if any), with respect to each  Mortgage Loan and each
             Mortgaged Property, have been paid and all such insurance policies
             are in full force and effect.

         b.  All accrued and unpaid real estate taxes, governmental assessments
             and any other expenses which 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 in respect of any
             Mortgage Property, the reason for the non-payment and what action
             the Servicer will take to assure payment.

        c.   The Officer signing such certificate has reviewed the activities
             and performance during the preceding fiscal year and, to the best
             of such Officer's knowledge, the Servicer has fulfilled all of its
             duties, responsibilities or obligations under the Guide 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.

        d.   As to each FHA Loan and VA Loan, the Servicer had fulfilled and
             complied  with all obligations and conditions to be fulfilled and
             complied with by mortqage loan Servicers pursuant to FHA
             Regulations and VA Regulations, respectively.

        e.   Such Officer has confirmed that the Fidelity Bonds, the Errors and
             Omissions Insurance Policy and other bonds required by Section 2.25
             of the Servicing Guide are in full force and effect. Servicer
             certifies that none of its principal officers have been removed
             from coverage.

        f.   The Servicer has complied with the Internal Revenue Servicers'(IRS)
             requirements for reporting the receipt of $600 or more of interest
             payments from a mortgagor, for Filing Statements for Recipients of
             Miscellaneous Income (IRS Form 1099-MISC) to report payment of fees
             to attorneys for handling liquidation proceedings, and filed
             notices of Acquisition or Abandonment of Secured Property (IRS
             Form 1099-A) to report the acquisition of a property by
             foreclosure or acceptance of a  deed-in-lieu or by a mortgagor's
             abandonment of a property.


        g.  The Servicer has made all of the required interest rate and/or
            monthly payment adjustments for the ARMS and GPARMs that it
            services, and adjustments were made in accordance with the mortgage
            terms.

        h.  All mortgagors insured under FHA Section 235 have been sent their
            annual recertification related to occupancy, income, employment and
            family composition.

        i.  The Servicer has complied with any laws, regulations, contracts
            that require them to pay interest on mortgagors' escrow deposit
            accounts.

        j. The Servicer has reported all 90-day delinquencies, completed
           foreclosures, accepted deed-in-lieu, and reinstated mortgages to the
           major credit repositories in accordance with FUNB, FNMA, FHLMC, FHA,
           VA and MI reporting requirements.

        k. The Servicer has complied with 12 USC Section 17OIX, which requires
           Servicer to notify eligible delinquent mortgagors whose mortgages are
           secured by single-family properties of the availability of home
           ownership counseling services offered by the Servicer or approved
           non-profit organizations that can assist them in becoming current in
           their monthly payments and in obtaining information about other
           aspects of financial management.

        l. The Servicer maintains a Disaster Recovery Plan to ensure the
           servicing operations comply with Federal requirements.

        m. The Servicers' employment practices, policies and programs comply
           with the  requirements of Executive Order 11246 as it relates to
           equal employment opportunity and nondiscrimination against disabled
           veterans, veterans of the Vietnam era, and handicapped individuals.

        n. The Servicer is properly licensed (or otherwise authorized) to
           service mortgages in each of the jurisdictions in which it does
           business, if the jurisdiction requires licensing or authorization
           for mortgage servicers; the Servicer is in full compliance with any
           and all federal, state, or local jurisdictional regulations that
           apply to its servicing business practices.

        I certify that enclosed are the following items, as required by the
          Guide:


          1. Annual Financial Statement for Servicer and Parent, along with
             Independent Auditor's Report;
          2. Independent Public Accountant's Certification (Uniform Single Audit
             Letter);
          3. HUD Annual Compliance Letter;
          4. GNMA Annual Compliance Letter, if applicable;
          5. GNMA/FNMA Net Worth Computation;
          6. FHLBB 1313 Report, if applicable;
          7. Annual Compliance Letter to United States Department of Housing and
             Urban Development - (if Servicer is approved by GNMA is an eligible
             Servicer of GNMA Mortgaged-Backed Securities);
          8. Proof of E&O and Fidelity Bond Insurance coverage;
          9. Copies of bank statements for each account maintained by the
             Servicer on behalf of First Union, with a complete reconciliation
             of the cash.



Lighthouse Financial Services  5 Office Park Road  P.O. Box 25000
Hilton Head Island, SC  29925  (843) 341-3000  Fax (843) 842-2444

LIGHTHOUSE FINANCIAL SERVICES, INC * LIGHTHOUSE COMMUNITY BANK *
LIGHTHOUSE MORTGAGE CORPORATION * SUNBELT COMMERCIAL CAPITAL *
LIGHTHOUSE INVESTMENT ADVISORS * CARSWELL OF CAROLINA-LIGHTHOUSE



   EX-99.3 (e)

               ANNUAL OFFICER CERTIFICATION

    In accordance with the Servicing Agreement, I, the undersigned, hereby
    certify as to each Mortgage Loan being serviced by Bank of
    America, N.A. the following:

    1.  I am a duly authorized officer of Bank of America, N.A. 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 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 money was collected in the
        escrow year.

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

    7.  With respect to FHA Section 221 mortgages that have reached the 20th
        anniversary of their endorsement, we will assign those mortgages that
        are eligible for assignment under HUD's special assignment procedures if
        requested on a loan by loan basis by the investor.

    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 mortgagor's 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 2000 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 12/31/00
            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



                Bank of America, N.A.




                Robert K Vanderberry
                Investor Services - Kentucky
                Senior Vice President



   EX-99.3 (f)

       HOMESIDE   (logo)
       LENDING, INC.





       June 21, 2001


       Ms. Dionne Dixon
       Wells Fargo Bank Minnesota
       11000 Broken Land Parkway
       Columbia, Maryland 21044

       Re:  Annual Officer's Certification
            Fiscal Year Ending September 30, 2000

       Dear Ms. Dixon:

       HomeSide Lending, Inc.(HomeSide) has reviewed its servicing activities
       on the mortgage loans HomeSide services on behalf of Wells Fargo Bank
       Minnesota.  This review was conducted for the purpose of determining if
       the servicer has met all servicing obligations under the agreement
       covering these mortgage loans.

       HomeSide, upon my investigation and to the best of my knowledge, has
       conducted its servicing activities in compliance with the agreement and
       is not in default in the fulfillment of any obligations of the agreement.
       Further, all real estate taxes and hazard insurance premiums have been
       paid as and when due.

       I apologize for the oversight in sending. Should you have any questions
       please contact Lynda M. Pohwat at (904)281-4705 or Lmpohwat@homeside.com.

       Sincerely,



       Karen Bryan
       Vice President


      EX-99.3 (g)

National City   (logo)
Mortgage


National City Mortgage Co.
3232 Newmark Drive
Miamisburg, Ohio 45342
Telephone (937) 910-1200
Mailing Address:
P.O. Box 1820
Dayton, Ohio 45401-1820



      Wells Fargo Bank Minnesota, N. A.
      Attn: Master Servicing
      11000 Broken Land Parkway
      Columbia, Maryland 21044-3562

           RE:  Annual Officer's Servicing Certification

      Dear Master Servicer:

      The undersigned Officer certifies the following for the 2000 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 nonpayment 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 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:


       Officer  (Charles M. Abourezk)

       National City Mortgage
       Company

       Vice President
       Title

       March 19, 2001
       Date




       No One Cares More!



   EX-99.3 (h)

    Wells Fargo Bank Minnesota, N.A.
    11000 Broken Land Parkway
    Columbia, MD 21044-3562
    Attention: Master Servicing

    RE: Officer's Certificate

    Dear Master Servicer:

    The undersigned Officer certifies the following for the 2000 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 Forecloslure 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:

    Officer

    Vice President
    Title

    March 26, 2001
    Date

    EX-99.3 (i)

      WELLS FARGO HOME MORTGAGE (Logo)
      One Home Campus
      Des Moines, IA 50328-0001



      March 20, 2001



      Re: 2000 Annual Certification

      We hereby certify to the best of our knowledge and belief that for the
      calendar year of 2000:

      1. All real estate taxes, bonds assessments and other lienable items
         have been paid.

      2. All FHA mortgage insurance, private mortgage insurance premiums, and
         flood insurance have been paid (if applicable).

      3. Hazard insurance policies held by us meet the requirements as specified
         in the servicing agreement or those of a normal prudent lender if
         not specified, and those premiums due have been paid.

      4. We have made all property inspections as required.

      5. Fidelity bond and Errors and Omissions insurance coverage currently
         exists.

      6. That the Officer signing this certificate has 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 or similar agreements
         and to the best of this officer's knowledge, the Servicer has fulfilled
         all of its duties, responsibilities or obligations of such agreement
         throughout the 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.




      Sincerely,


      John B. Brown
      Vice President
      Wells Fargo Home Mortgage, Inc.


   EX-99.3 (j)

       First Union Mortgage Corporation   (logo)
       P.O. Box 900001
       Raleigh, North Carolina 27675-9001

       1100 Corporate Center Drive
       Raleigh, North Carolina 27607-5066




       Wells Fargo Bank Minnesota, N.A.
       11000 Broken Land Parkway
       Columbia, MD 21044-3562

       Attention: Master Servicing

       RE: Officer's Certificate

       Dear Master Servicer:

       Tbe undersigned Officer certifies the following for the 2000 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 prepared
            and filed.


      Certified By:




      Officer


      Assistant Vice President
      Title


      20 June 2001
      Date

   EX-99.3 (k)

    Huntington
    Mortgage   (logo)
    Company

                                  OFFICER'S CERTIFICATE


    Dear Master Servicer:



    The undersigned Officer certifies the following for the 2000 fiscal year:

    A    I have reviewed the activities and  performance of the Servicer during
         the proceeding 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 an 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 omission
         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, government 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 and such costs or
         expenses have not been paid with respect to any Mortgaged Property, the
         reason for the non-payment has been reported.

    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:

    Officer: Michael Greenwood

    Title: Vice President of Servicing

    7-10-01
    Date

EX-99.3 (l)

Countrywide   (logo)
HOME LOANS
400 Countrywide Way SV.44
Simi Valley, California 93065-6298
(805) 520-5100



                             OFFICER'S CERTIFICATE





I, Joseph Candelario, hereby certify that I am the First Vice President, Loan
Administration of Countrywide Home Loans, Inc., aka Countrywide Funding
Corporation and further certifies the following for the fiscal year ended
February 28, 2001.

     (A) That 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.

     (B) That all accrued and due real estate taxes, governmental assessments
         and any other expenses, that if not paid could result in a lien or
         encumbrance on any Mortgaged Property, have been paid with respect to
         any Mortgaged Property, the reason for non-payment has been reported
         to your designated representative.

     (C) That the Officer signing this certificate has 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
         the Officer knowledge, the Servicer has fulfilled all of its duties,
         responsibilities or obligation under these Agreements throughout such
         year, or if there has been a default or failure of the Servicer to
         perform on such duties, responsibilities or obligations, a
         description of each default or failure and the nature and status
         thereof has been reported to your designated representative:

     (D) That this Officer has confirmed that the Fidelity Bond, the Error 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.


Joseph Candelario
First Vice President

Compliance Officer
Loan Administration


    EX-99.3 (m)

                        ANNUAL SERVICING CERTIFICATION

    In connection with the loans serviced by First Horizon Home Loans (formerly
    FT Mortgage Companies) during the fiscal year December 31, 2000, we confirm
    the following to be materially correct and accurate to the best of our
    knowledge, information and belief.

   1.   Real etate taxes, special assessments and any charges that may become a
        lien upon the property and which come due in the last calendar year have
        been paid. This also includes the verification with taxing authorities
        for non-escrowed mortgages.
   2.   FHA insurance premiums or private mortgage insurance premiums, if
        applicable, have been paid and are in full force and effect.
   3.   Properties are adequately insured and your interest, as Mortgagee, is
        properly provided for in the mortgage clause. This includes both flood
        and hazard insurance.
   4.   For those loans being escrowed for the payment of taxes and insurance,
        sufficient amounts are being collected monthly to provide for payment of
        future items.
   5.   Property inspections have been completed according to the provisions of
        our servicing agreement, if applicable.
   6    All other provisions of the servicing agreement have been adhered to.
   7.   To the extent there exist any exceptions to the foregoing that are
        deemed to be material in nature, such exception(s) will be recited in an
        Exhibit attached hereto and accompanied by an explanation thereof. In
        the event no Exhibit is attached hereto, it is to be presumed that no
        exceptions of a material nature to the foregoing exist.

    By:

         (Signature)
          Sheryl Court

         (Printed Name)

          Vice President
         (Title)


         (Date)


   EX-99.3 (n)

    Chase (logo)
    THE RIGHT RELATIONSHIP IS EVERYTHING


    Chase Manhattan Mortgage Corporation
    3415 Vision Drive
    Columbus, OH 43219
    1-800-848-9136 Customer Service
    1-800-582-0542 TDD / Text Telephone



    Wells Fargo Bank Minnesota, N.A.
    11000 Broken Land Parkway
    Columbia, MD 21044-3562
    Attention: Master Servicing

    RE: Officer's Certificate

    Dear Master Servicer:

    The undersigned Officer certifies the following for the 2000 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:




    Officer



    Vice President
    Title


    March 30, 2001
    Date


   EX-99.3 (o)

    DOWNEY SAVINGS   (logo)

    Wells Fargo Bank Minnesota, N.A.
    11000 Broken Land Parkway
    Columbia, MD 21044-3562
    Attention: Master Servicing


    RE: Officers Certificate


    Dear Master Servicer:

    The undersigned officer certifies the following for the 2000 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 Mortgage 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 Norwest Bank Minnesota, N.A.;

(F)   All custodial Accounts have been reconciled and properly funded; and

(G)   All annual reports or 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



Title


Date



DOWNEY SAVING AND LOAN ASSOCIATION, F.A.
Corporate Headquarters:  3501 Jamboree Road
P.O. Box 6000 - Newport Beach, California 92658-949/854-3100

   EX-99.3 (p)

    CENDANT   (logo)
    Mortgage



    May 11, 2001

    Wells Fargo
    11000 Broken Land Parkway
    Columbia, MD 21044

    RE: Officer's Certificate
         Annual Certification

    Dear Master Servicer:

    The undersigned officer certifies the following for the 2000 calendar year.

    a)  I have reviewed the activities and performances of the Servicer during
        the preceding fiscal year under the terms of the Servicing Agreement,
        Trust Agreement, Pooling and Servicing Agreement and/or Servicer Guide
        and to the best of my   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 such duties, responsibilities or obligations, a
        description of each  default or failure and the nature and status
        thereof has been reported to Wells Fargo;

    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 Servicer Guide are in full force and effect;


    d)  To the best of my knowledge, 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 such  insurance  policies are in full
        force and effect;

    e)  To the best of my knowledge, 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 Mortgage Property, have
        been paid, or if any such costs or expenses have been paid with  respect
        to any  Mortgaged Property, the reason for the  non-payment  has been
        reported to Wells Fargo;

    f) To the best of my knowledge,  all Custodial Accounts have been reconciled
       and are properly funded; and

    g) To the best of my  knowledge,  all  annual  reports  of  Foreclosure  and
       Abandonment of Mortgaged Property required per section 6050J and 6050P of
       the Internal Revenue Code, respectively, have been prepared and filed.


    Certified by:


    Officer - Marc J. Hinkle

    Vice President - Loan Servicing
    Title

    5/11/2001
    Date