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                                  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 FEBRUARY 28, 1998 PROVIDING FOR THE ISSUANCE
         OF THE MONEY STORE SBA LOAN-BACKED ADJUSTABLE RATE CERTIFICATES
                      SERIES 1998-1, 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
                                                           --------------

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

<PAGE>

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: 9

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>
                                                            Amount of
                         Name and Address of                Security of
Title of Class           Beneficial Owner                   Beneficial Owner         % of Class
<S>                      <C>                                <C>                      <C>
The Money Store          Bear, Stearns Securities Corp.     $10,000,000              11.94
SBA Loan-Backed          One Metrotech Center North
Adjustable Rate          4th Floor
Certificates,            Brooklyn, NY 11201-3862
Class A
                         Chase Bank of Texas, N.A.          $23,700,000              28.32
                         P.O. Box 2558
                         Houston, TX 77252-8009

                         Chase Manhattan Bank               $35,400,000              42.29
                         4 New York Plaza
                         13th Floor
                         New York, NY 10004

                         State Street Bank                  $9,200,000               10.99
                         and Trust Company
                         1776 Heritage Dr.
                         Global Corporate Action Unit
                         JAB5NW
                         No. Quincy, MA 02171

The Money Store          The Bank of New York               $6,300,000               100%
SBA Loan-Backed          925 Patterson Plank Rd.
Adjustable Rate          Secaucus, NJ 07094
Certificates,
Class B
</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