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, 1995

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

Commission File No.:  033-48771-05

    Structured Asset Securities Corporation, Mortgage Pass-Through Certificates,
                              Series 1995-04 Trust
             (Exact name of registrant as specified in its charter)

New York (governing law of pooling and servicing agreement)
State or other jurisdiction of incorporation or organization)

52-1971909
(I.R.S. Employer Identification No.)

c/o Norwest Bank Minnesota, N.A.
11000 Broken Land Parkway
Columbia, MD                                     21044
(Address of principal executive                 (Zip Code)
offices)

Registrant's telephone number, including area code (410) 884-2000

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

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

     Indicate  by check mark  whether the  registrant  (1) has filed all reports
required to be filed by Section 13 or 15(d) of the  Securities  Exchange  Act of
1934  during  the  preceding  12 months  (or for such  shorter  period  that the
registrant was required to file such reports),  and (2) has been subject to such
filing requirements for the past 90 days.

Yes    X                No



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 29, 1996, by Norwest Bank
Minnesota,  N.A.  (the  "Reporting  Person"),  on  behalf  of  Structured  Asset
Securities Corporation Mortgage Pass-Through Certificates,  Series 1995-04 Trust
(the "Trust"), established pursuant to a Trust Agreement (the "Trust Agreement")
among Structured Asset Securities Corporation,  as Depositor, (the "Depositor"),
and Norwest Bank Minnesota, N.A., as Trustee (the "Trustee"),  pursuant to which
the Structured Asset Securities Corporation, Mortgage Pass-Through Certificates,
Series 1995-04 Trust,  certificates  registered under the Securities Act of 1933
(the  "Certificates")  were issued. Item 14 of the Original Form 10-K is amended
to read in its entirety as follows:

Item 14.  Exhibits, Financial Statement Schedules, and Reports on Form 8-K.

     (a)  Exhibits

          99.1 Annual Report of  Independent  Public  Accountants'  as to master
               servicing activities or servicing activities as applicable:

                    (a) Mellon Mortgage Company, as Servicer<F1>  

          99.2 Management Assertion Letter:

                    (a) Mellon Mortgage Company, as Servicer<F2>  

          99.3 Annual  Statements  of  Compliance  with  obligations  under  the
               Pooling Agreement or servicing agreement, as applicable, of:

                    (a) Mellon Mortgage Company, as Servicer<F1>  

     (b)  Omitted.

     (c)  Omitted.

     (d)  Omitted.


<F1> Filed herewith.

<F2> Such  document  (i) is not  filed  herewith  since  such  document  was not
received by the Reporting  Person at least three  business days prior to the due
date of this report;  and (ii) will be included in a further  admendment  to the
Original Form 10-K to be filed within 30 days of the Reporting  Person's receipt
of such document.


                                    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:


   Structured Asset Securities Corporation Mortgage Pass-Through Certificates,
                              Series 1995-04 Trust


                        By: Norwest Bank Minnesota, N.A.,
                            as Trustee

                        By: /s/ Sherri J. Sharps
                        By: Sherri Sharps
                     Title: Vice President
                     Dated: October 1, 1997



                                  EXHIBIT INDEX

          Exhibit No.

          99.1 Annual Report of  Independent  Public  Accountants'  as to master
               servicing activities or servicing activities as applicable:

                    (a) Mellon Mortgage Company, as Servicer<F1>  

          99.2 Management Assertion Letter:

                    (a) Mellon Mortgage Company, as Servicer<F2>  


          99.3 Annual  Statements  of  Compliance  with  obligations  under  the
               Pooling Agreement or servicing agreement, as applicable, of:

                    (a) Mellon Mortgage Company, as Servicer<F1>  

<F1> Filed herewith.

<F2> Such  document  (i) is not  filed  herewith  since  such  document  was not
received by the Reporting  Person at least three  business days prior to the due
date of this report;  and (ii) will be included in a further  admendment  to the
Original Form 10-K to be filed within 30 days of the Reporting  Person's receipt
of such document.