99.2

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

Report of Independent Accountants

Board of Directors
ABN AMRO North America, Inc.

We have examined management's assertion, included in the accompanying
report titled Report of Management, that except for noncompliance with
the minimum servicing standard for escrow funds and custodial bank and
related clearing account reconciliations, ABN AMRO Mortgage Group, Inc.,
(AAMG, a wholly owned subsidiary of AMB AMRO North America, Inc.),
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 AAMG's compliance with those requirements.
Our responsibility is to express an opinion on management's assertions
about AAMG'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 AAMG'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 AAMG's compliance with specified
requirements.

In our opinion, management's assertion that, except for noncompliance with
the minimum servicing standard for escrow funds and custodial bank and related
clearing account reconciliations, AAMG 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, and AAMG's private investors and is not intended
to be and should not be used by anyone other than these specified parties.


/s/: Ernst & Young LLP


January 22, 2001

Ernst & Young LLP is a member of Ernst & Young International, Ltd.


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ABN AMRO Company Logo Here

ABN AMRO Mortgage Group, Inc.
4242 North Harlem Avenue
Norridge, Illinois 60706-1204
(708) 456-0400

Affiliates:
LaSalle Bank
LaSalle Home Mortgage
Standard Federal Bank


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

Report of Management

We, as members of management of ABN AMRO Mortgage Group, Inc. (AAMG, a
wholly owned subsidiary of AMB AMRO North America, Inc.) 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 AAMG'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, AAMG complied, in all material respects, with the minimum
servicing standards set forth in the USAP except as described below.

Escrow Funds were not returned to mortgagors within 30 calendar days or
loan payoff for 1 out of 45 tested.


Custodial bank and clearing account reconciliations contained items which
were not resolved within 90 calendar days of their original identification
for 4 out of the 120 tested.

As of and for this same period, ABN AMRO North America, Inc. had in effect
a fidelity bond in the amount of $500,000,000 and an errors and omissions
policy in the amount of $25,000,000.



By: /s/ Stanley Rhodes                  By: /s/ Richard Geary
Stanley Rhodes                          Richard Geary
President                               Group Senior Vice President