UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549
(MARK ONE)
                                    FORM 10-K

[X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE
ACT OF 1934.  [FEE REQUIRED]

For the fiscal year ended September 30, 1999
                          ------------------------------------------------------
                                       or

[ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE
ACT OF 1934.  [NO FEE REQUIRED]

For the transition period from _________________________to _____________________


Commission file number 333-72621-01
                      ---------------------------------------------------


                                OMI TRUST 1999-A
----------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)

      Pennsylvania                                    23-2990372
-------------------------------              -----------------------------------
 State or other jurisdiction of             (I.R.S. Employer Identification No.)
 incorporation or organization


     c/o Chase Manhattan Trust Co.
     Global Trust
     Attention:  Judy Wisniewskie
     One Liberty Place, Suite 5520 1650 Market St Philadelphia, PA        19103
--------------------------------------------------------------------------------
    (Address of principal executive offices)                         (Zip Code)


Registrant's telephone number, including area code (215)988-1322
                                                  ---------------------------
Securities registered pursuant to Section 12(b) of the Act: None
                                                            -----------------
Securities registered pursuant to Section 12(g) of the Act: None
                                                            ----------------

         Indicate by check mark whether the registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the
registrant was required to file such reports), and (2) has been subject to such
filing requirements for the past 90 days. |X| Yes |_| No

         Indicate by check mark if disclosure of delinquent filers pursuant to
Item 405 of Regulation S-K (ss. 229.405 of this chapter) is not contained
herein, and will not be contained, to the best of registrant's knowledge, in
definitive proxy or information statements incorporated by reference in Part III
of this Form 10-K or any amendment to this Form 10-K. [X]


<PAGE>


                                OMI TRUST 1999-A
                        Oakwood Mortgage Investors, Inc.
                Manufactured Housing Contract Senior/Subordinated
                    Pass-Through Certificates, Series 1999-A

                                    FORM 10-K
                                      INDEX

                                                                    Page Number
                                                                    -----------
PART I.

Item 1.       Business
Item 2.       Properties
Item 3.       Legal Proceedings
Item 4.       Submission of Matters to a Vote of Security Holders

PART II.

Item 1.       Market for Registrant's Common Equity and Related
              Stockholder Matters
Item 2.       Selected Financial Data
Item 3.       Management's Discussion and Analysis of Financial
              Condition and Results of Operations
Item 4.       Financial Statements and Supplementary Data
Item 5.       Changes In and Disagreements With Accountants on
              Accounting and Financial Disclosure

PART III.

Item 1.       Directors and Executive Officers of the Registrant
Item 2.       Executive Compensation
Item 3.       Security Ownership of Certain Beneficial Owners
              and Management
Item 4.       Certain Relationships and Related Transactions

PART IV.

Item 1.       Exhibits, Financial Statement Schedules and
              Reports on Form 8-K


SIGNATURES

INDEX OF EXHIBITS


<PAGE>


                                     PART I


ITEM 1.    BUSINESS.

                  Not Applicable.

ITEM 2.    PROPERTIES.

                  Not Applicable.

ITEM 3.    LEGAL PROCEEDINGS.

                  Not Applicable.

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

                  Not Applicable.


                                     PART II

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

           At the end of the Registrant's fiscal year, there were a total of 42
holders of the Registrant's Series 1999-A Manufactured Housing Contract
Senior/Subordinated Pass-Through Certificates, Class A-1, Class A-2, Class A-3,
Class A-4, Class A-5, Class B-1, Class B-2, Class M-1, and Class M-2
(collectively, the "Certificates").

ITEM 6.    SELECTED FINANCIAL DATA.

                  Not Applicable.

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

                  Not Applicable.

ITEM 8.    FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA.

                  Not Applicable.

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

                  Not Applicable.


                                    PART III

ITEM 10.   DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT.

                  Not Applicable.


<PAGE>


ITEM 11.   EXECUTIVE COMPENSATION.

                  Not Applicable.

ITEM 12.   SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT.

                  Not Applicable.

ITEM 13.   CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS.

                  Not Applicable.


                                     PART IV

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

                  Exhibits


                  99.1     Annualized Remittance Report.

                  99.2     Annual Report of Registrant's Independent Certified
                  Public Accountants as Required by Section 3.13(b) of Oakwood
                  Mortgage Investors, Inc.'s Standard Terms to Pooling and
                  Servicing Agreement (November 1995 Edition).

                  99.3     Servicer's Annual Compliance Statement as Required by
                  Section 3.13(a) of Oakwood Mortgage Investors, Inc.'s Standard
                  Terms to Pooling and Servicing Agreement (November 1995
                  Edition)


<PAGE>


                                   SIGNATURES

         Pursuant to the requirements of Section 13 or 15(d) of the securities
Exchange Act of 1934, the registrant has duly caused this report to be signed on
its behalf by the undersigned, thereunto duly authorized.

                                          OMI TRUST 1999-A, REGISTRANT

                                          By:  OAKWOOD MORTGAGE INVESTORS, INC.,
                                                 as servicer


Dated:  December 23, 1999                     /s/ Douglas R. Muir
                                            ------------------------------
                                              Douglas R. Muir
                                              Vice President






<PAGE>


                                INDEX OF EXHIBITS

                                                           Page of Sequentially
                                                               Numbered Pages
                                                           ---------------------


         99.1      Annualized Remittance Report.

         99.2      Annual Report of Registrant's Independent Certified Public
         Accountants as Required by Section 3.13(b) of Oakwood Mortgage
         Investors, Inc.'s Standard Terms to Pooling and Servicing Agreement
         (November 1995 Edition).

         99.3      Servicer's Annual Compliance Statement as Required by Section
         3.13(a) of Oakwood Mortgage Investors, Inc.'s Standard Terms to Pooling
         and Servicing Agreement (November 1995 Edition)