SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549



                                    _________


                                    FORM 10-K

(Mark One)

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

         For the fiscal year ended:   December 31, 1998
                                      -----------------

                                       OR

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

         For the transition period from _____________ to ____________

                      Commission file number: 333-53861-04
                                              ------------

                                   CWMBS, Inc.
                 Residential Asset Securitization Trust 1998-A10
                Mortgage Pass-Through Certificates, Series 1998-J
                -------------------------------------------------
             (Exact name of Registrant as specified in its charter)

            Delaware                                      95-4449516
-------------------------------             ------------------------------------
(State or other jurisdiction of             (IRS Employer Identification Number)
 incorporation or organization)

c/o      The Bank of New York
         101 Barclay Street
         New York, New York                                 10286
----------------------------------------    ------------------------------------
(Address of principal executive offices)                  (Zip Code)

Registrant's telephone number, including area code:   (212) 815-2007
                                                      --------------

Securities registered pursuant to Section 12(b) of the Act:  None
                                                             ----

Securities registered pursuant to Section 12(g) of the Act:  None
                                                             ----

<PAGE>
Indicate by check mark whether the Registrant (1) has filed all reports required
to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the preceding 12 months (or for such shorter period that the Registrant was
required to file such reports), and (2) has been subject to such filing
requirements for the past 90 days. Yes X No ___
                                       ---
Indicate by check mark if disclosure of delinquent filers pursuant to item 405
of Regulation S-K is not contained herein, and will be contained, to the best of
Registrant's knowledge, in definitive proxy or information statements
incorporated by reference in Part III of this Form 10-K or any amendment to this
Form 10-K. [ ]

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

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


<PAGE>
DOCUMENTS INCORPORATED BY REFERENCE

                                      None.

                                   *    *    *


     This Annual Report on Form 10-K (the "Report") is filed with respect to the
trust fund entitled Residential Asset Securitization Trust 1998-A10 (the "Trust
Fund") formed pursuant to the pooling and servicing agreement dated as of August
1, 1998 (the "Pooling and Servicing Agreement") among CWMBS, Inc., as depositor
(the "Company"), IndyMac, Inc., as seller and master servicer (the "Master
Servicer"), and The Bank of New York, as trustee (the "Trustee"), for the
issuance of CWMBS, Inc., Mortgage Pass-Through Certificates, Series 1998-J (the
"Certificates"). Certain information otherwise required to be included in this
Report by the Instructions to Form 10-K has been omitted in reliance on the
relief granted to the Company in CWMBS, Inc. (February 3, 1994) (the "Relief
Letter").


<PAGE>
PART I

ITEM 1.  BUSINESS

         Not applicable. See the Relief Letter.

ITEM 2.  PROPERTIES

         Not applicable. See the Relief Letter.

ITEM 3.  LEGAL PROCEEDINGS

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

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

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


<PAGE>
PART II

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

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

         (b) As of December 31, 1998, there were 4 holders of record of the
         Certificates.

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

ITEM 6.  SELECTED FINANCIAL DATA

         Not applicable. See the Relief Letter.

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

         Not applicable. See the Relief Letter.

ITEM 8.  FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

         Not applicable. See the Relief Letter.

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

         None.

<PAGE>
PART III

ITEM 10. DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT

         Not applicable. See the Relief Letter.

ITEM 11. EXECUTIVE COMPENSATION

         Not applicable. See the Relief Letter.

ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT

         (a) Not applicable. See the Relief Letter.

         (b) Not applicable. See the Relief Letter.

         (c) Not applicable. See the Relief Letter.

ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

         (a) Not applicable. See the Relief Letter.


<PAGE>
PART IV

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

         (a)   (1)  Pursuant to the Pooling and Servicing Agreement, the Master
                    Servicer is required (i) to deliver an annual statement as
                    to compliance with the provisions of the Pooling and
                    Servicing Agreement and certain other matters (the "Annual
                    Statement of the Master Servicer") and (ii) to cause a firm
                    of independent public accountants to deliver an annual
                    report as to compliance with the servicing provisions of the
                    Pooling and Servicing Agreement (the "Annual Report of the
                    Firm of Accountants"). Both the Annual Statement of the
                    Master Servicer and the Annual Report of the Firm of
                    Accountants are attached as Exhibits 99.1 and 99.2,
                    respectively, to this Report.

               (2)  Not applicable.

               (3)  The required exhibits are as follows:

                              Exhibit 3(i): Copy of Company's Certificate of
                    Incorporation (Filed as an Exhibit to Registration Statement
                    on Form S-11 (File No. 33-63714)).

                              Exhibit 3(ii): Copy of Company's By-laws (Filed as
                    an Exhibit to Registration Statement on Form S-11 (File No.
                    33-63714)).

                              Exhibit 4: Pooling and Servicing Agreement (Filed
                    as part of the Registrant's Current Report on Form 8-K filed
                    on March 16, 1999).

                              Exhibit 99.1: Annual Statement of the Master
                    Servicer.

                              Exhibit 99.2: Annual Report of the Firm of
                    Accountants.


<PAGE>

         (b) Current Reports on Form 8-K filed during the last quarter of the
         period covered by this Report:

         Date of Current Report                     Item Reported
         ----------------------                     -------------
         October 26, 1998              Monthly report sent to Certificateholders
                                       with the October distribution

         November 25, 1998             Monthly report sent to Certificateholders
                                       with the November distribution

         December 28, 1998             Monthly report sent to Certificateholders
                                       with the December distribution

         (c) See subparagraph (a)(3) above.

         (d) Not applicable. See the Relief Letter.

     SUPPLEMENTAL INFORMATION TO BE FURNISHED WITH REPORTS FILED PURSUANT TO
SECTION 15(d) OF THE ACT BY REGISTRANTS WHICH HAVE NOT REGISTERED SECURITIES
PURSUANT TO SECTION 12 OF THE ACT.

     No such annual report, proxy statement, form of proxy or other soliciting
material has been sent to Certificateholders. See the Relief Letter.


<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.

                                   CWMBS, INC.,

                                   RESIDENTIAL ASSET SECURITIZATION TRUST
                                   1998-A10, MORTGAGE PASS-THROUGH CERTIFICATES,
                                   SERIES 1998-J

                                   By:      The Bank of New York,
                                            as Trustee*



                                   By:      /s/ Kelly Sheahan
                                            ------------------------------------
                                            Name:  Kelly Sheahan
                                            Title: Assistant Vice President

                                   Date:  March 31, 1999






______________
*    This Report is being filed by the Trustee on behalf of the Trust Fund. The
     Trust Fund does not have any officers or directors.

<PAGE>
EXHIBIT INDEX

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

3(i)           Company's Certificate of Incorporation (Filed
               as an Exhibit to Registration Statement on
               Form S-11 (File No. 33-63714)) *

3(ii)          Company's By-laws (Filed as an Exhibit to
               Registration Statement on Form S-11 (File No.
               33-63714)) *

4              Pooling and Servicing Agreement (Filed as part
               of the Company's Current Report on Form 8-K
               filed on March 16, 1999) *

99.1           Annual Statement of the Master Servicer.....................12

99.2           Annual Report of the Firm of Accountants....................14








______________
*        Incorporated herein by reference.
<PAGE>
                                  Exhibit 99.1
                                  ------------


<PAGE>
INDYMAC, INC.

                              OFFICERS' CERTIFICATE
                     ANNUAL STATEMENT OF THE MASTER SERVICER

                                   CWMBS, INC.
                 RESIDENTIAL ASSET SECURITIZATION TRUST 1998-A10
                MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 1998-J

     The undersigned do hereby certify that they are each an officer of IndyMac,
Inc. (f/k/a Independent National Mortgage Corporation) (the "Master Servicer")
and do hereby further certify pursuant to Section 3.19 of the Pooling and
Servicing Agreement for the above-captioned Series (the "Agreement") that:

               (i) A review of the activities of the Master Servicer during the
               preceding calendar year and of the performance of the Master
               Servicer under the Agreement has been made under our supervision;

               (ii) To the best of our knowledge, based on such review, the
               Master Servicer has fulfilled all its obligations under the
               Agreement throughout such year; and

               (iii) To the best of our knowledge, each Servicer has fulfilled
               all its obligations under its Servicing Agreement throughout such
               year (capitalized terms used in this subparagraph (iii) shall
               have the meanings assigned to such terms in the Agreement).

/s/ Jim Banks                       Dated: 3/30/99

JIM BANKS
EXECUTIVE VICE PRESIDENT


/s/ John Kim                        Dated: 3/30/99

JOHN KIM
VICE PRESIDENT
<PAGE>
                                  Exhibit 99.2
                                  ------------


              REPORT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS
              --------------------------------------------------


IndyMac, Inc.

We have examined management's assertion about IndyMac, 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) in
             -------------------------------------------------------
its capacity as a Master Servicer as of and for the year ended December 31,
1998, included in the accompanying management assertion. Management is
responsible for IndyMac, 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 IndyMac, 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 IndyMac, Inc.'s compliance with the minimum servicing
standards.

In our opinion, management's assertion that IndyMac, Inc. complied with the
aforementioned minimum servicing standards as of and for the year ended
December 31, 1998 is fairly stated, in all material respects.


/s/   Grant Thornton LLP


Los Angeles, California
February 26, 1999


<PAGE>


                                                                [LOGO] IndyMac


February 26, 1999


Grant Thornton LLP
1000 Wilshire Blvd., Suite 700
Los Angeles, CA  90017


                            Management's Assertion


As of and for the year ended December 31, 1998, IndyMac Inc. has complied in
all material respects with the minimum servicing standards, in its capacity as
a master servicer, as 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, 1998, IndyMac had in effect fidelity bond and
mortgage impairment errors and omissions policies in the amounts of
$30,000,000 and $10,000,000, respectively.


Very truly yours,

IndyMac, Inc.


/s/   Michael W. Perry
--------------------------------------------------------------------------
Michael W. Perry   President and Chief Executive Officer


/s/   Carmella Grahn
--------------------------------------------------------------------------
Carmella Grahn     Executive Vice President and Chief Financial Officer











                                                  155 North Lake Avenue
                                                  Pasadena, California 91101
                                                  Telephone: 800.669.2300
                                                  http://www.indymac.com