-----------------------------------------------
                                               OMB APPROVAL
                               -----------------------------------------------
                               OMB Number:     3235-0063
                               Expires:        May 31, 2000
                               Estimated average burden
                               hours per response   1711.00
                               -----------------------------------------------


                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                                    FORM 10-K

         ANNUAL REPORT PURSUANT TO SECTION 13 OR L5(D) OF THE SECURITIES
                              EXCHANGE ACT OF 1934

                   FOR THE FISCAL YEAR ENDED DECEMBER 31, 2000

                        Commission file number 333-32775
                                               ---------

          THE MONEY STORE INVESTMENT CORPORATION AND THE MONEY STORE OF
              NEW YORK, INC. ( AS ORIGINATORS UNDER A POOLING AND SERVICING
     AGREEMENT, DATED AS OF MAY 31, 1999 PROVIDING FOR THE ISSUANCE OF THE
         MONEY STORE SBA LOAN-BACKED ADJUSTABLE RATE CERTIFICATES SERIES
                         1999-1, CLASS A AND CLASS B).

                     THE MONEY STORE INVESTMENT CORPORATION
                      AND THE MONEY STORE OF NEW YORK, INC.
                      -------------------------------------
             (Exact name of registrant as specified in its charter)


       NEW JERSEY/NEW YORK                        22-3143559/22-2293019
 -------------------------------                  ---------------------
   (State or other jurisdiction                  (Trust I.R.S. Employer
  of incorporation or organization)               Identification No.)


707 THIRD STREET, WEST SACRAMENTO, CALIFORNIA            95605
---------------------------------------------   --------------------------
(Address of principal executive offices)              (Zip Code)

        Registrant's telephone number, including area code (916) 617-1000
                                                            --------------
<PAGE>


           Securities registered pursuant to section 12(b) of the Act:

TITLE OF EACH CLASS                   NAME OF EACH EXCHANGE ON WHICH REGISTERED
-------------------                   -----------------------------------------
         NONE                                           NONE


           Securities registered pursuant to section 12(g) of the Act:

                                       NONE
                                       -----
                                 (Title of class)

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.

         Not Applicable.

State the aggregate market value of the Voting Stock held by non-affiliates of
the registrant.

         Not Applicable

Indicate the number of shares outstanding of each of the registrant's classes of
common stock, as of December 31, 1996.

         Not Applicable

This Annual Report on Form 10-K is filed pursuant to a request for no-action
letter forwarded to the Office of Chief Counsel Division of Corporate Financing,
dated September 2, 1993, and the response of the SEC, dated January 7, 1994, to
the no-action request.

<PAGE>

                                     PART I

ITEM 1. BUSINESS

        Omitted pursuant to the "Request for no-action letter forwarded to
        the Office of Chief Counsel Division of Corporate Financing," dated
        September 2, 1993, and the response of the SEC, dated January 7, 1994,
        to the no-action request.

ITEM 2. PROPERTIES

Reference is made to the Annual Compliance Certificate attached hereto as
Exhibit 20.

Reference is made to the Annual Statement attached hereto as Exhibit 13.

ITEM 3. LEGAL PROCEEDINGS

        None.

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


        None.


                                     PART II

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

        There is no established trading market for Registrant's securities
        subject to this filing.

        Number of holders of record of the Certificates as of April 9, 2001:
        15

ITEM 6. SELECTED FINANCIAL DATA

        Omitted pursuant to the "Request for no-action letter forwarded
        to the Office of Chief Counsel Division of Corporate Financing," dated
        September 2, 1993, and the response of the SEC, dated January 7, 1994,
        to the no-action request.

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

        Omitted pursuant to the "Request for no-action letter forwarded to
        the Office of Chief Counsel Division of Corporate Financing," dated
        September 2, 1993, and the response of the SEC, dated January 7, 1994,
        to the no-action request.

ITEM 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

        Not Applicable.

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

        Reference is made to the Annual Compliance Certificate attached as
        Exhibit 20.

        Reference is made to the annual Independent Accountant's Report on
        the Servicer's compliance with loan servicing standards as prepared by
        KPMG Peat Marwick, the Servicer's and Registrant's Independent Certified
        Public Accountants, accompanied by the Registrant's Management
        Assertion, and attached as Exhibit 99 hereto.

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

         None.


                                    PART III

ITEM 10. DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT

        Omitted pursuant to the "Request for no-action letter forwarded to
        the Office of Chief Counsel Division of Corporate Financing," dated
        September 2, 1993, and the response of the SEC, dated January 7, 1994,
        to the no-action request.

ITEM 11. EXECUTIVE COMPENSATION

        Omitted pursuant to the "Request for no-action letter forwarded to
        the Office of Chief Counsel Division of Corporate Financing," dated
        September 2, 1993, and the response of the SEC, dated January 7, 1994,
        to the no-action request.

ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT

        The following information is furnished as of April 9, 2001 as to
        each Certificateholder of record of more than 5% of the Certificates:

<TABLE>
<CAPTION>


                                   Name and Address of                        Amount of Security of
Title of Class                     Beneficial Owner                           Beneficial Owner         % of Class

<S>                                <C>                                        <C>                      <C>
The Money Store                    Bankers Trust Company                      $15,900,000              16.91
SBA Loan-Backed Adjustable Rate    648 Grassmere Park Road
Certificates,                      Nashville, TN 37211
Class A
                                   Boston Safe Deposit and Trust Company      $6,900,000               7.34
                                   c/o Mellon Bank N.A.
                                   Three Mellon Bank Center,
                                   Room 153-3015
                                   Pittsburgh, PA 15259

                                   Chase Manhattan Bank                       $17,550,000              18.70
                                   4 New York Plaza, 13th Floor
                                   New York, NY  10004

                                   Northern Trust Company (THE)               $7,100,000               7.55
                                   801 S. Canal C-IN
                                   Chicago, IL 60607

                                   PNC Bank, National Association             $9,700,000               10.32
                                   1600 Market Street
                                   29th Floor
                                   Philadelphia, PA 19103

                                   State Street Bank and Trust Company        $23,500,000              25.00
                                   1776 Heritage Dr.
                                   Global Corporate Action Unit
                                   JAB 5NW
                                   No. Quincy, MA 02171

The Money Store                    First Union Securities, Inc.               $ 2,888,000               100
SBA Loan-Backed Adjustable         8739 Research Drive
Rate Certificates,                 Charlotte, NC  28262
Class M

</TABLE>


ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

         (A)      None

         (B)-(D) Omitted pursuant to the "Request for no-action letter forwarded
         to the Office of Chief Counsel Division of Corporate Financing," dated
         September 2, 1993, and the response of the SEC, dated January 7, 1994,
         to the no-action request.


                                     PART IV

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

(A)
         1.      Not applicable.

         2.      Not applicable

         3.      Exhibits

                 13.  Annual Statement

                 20.  Annual Compliance Certificate

                  99.   Annual Independent Accountant's Report on the Servicer's
                        compliance with loan servicing standards as prepared by
                        KPMG Peat Marwick, the Servicer's and Registrant's
                        Independent Certified Public Accountants, accompanied by
                        the Registrant's Management Assertion.

   (B)-(D)    Omitted pursuant to the "Request for no-action letter forwarded to
              the Office of Chief Counsel Division of Corporate Financing,"
              dated September 2, 1993, and the response of the SEC, dated
              January 7, 1994, to the no-action request.

<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 as representative on behalf
of the trust on the 16th day of April, 2001.

                                        THE MONEY STORE INVESTMENT CORPORATION
                                        THE MONEY STORE OF NEW YORK, INC.




                                  By:  /s/ Arthur Q. Lyon
                                      -----------------------------------
                                      Name:  Arthur Q. Lyon
                                      Title: Chief Financial Officer


<PAGE>
                                  EXHIBIT INDEX


   DESCRIPTION                                    PAGE NUMBER

Annual Statement                                       6

Annual Compliance Certificate                          7

Annual Independent Accountant's Report                 8