UNITED STATES
                      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, 2000
                                      -----------------

                                      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: 333-72655-10
                                             ------------

                                  CWMBS, Inc.
                Residential Asset Securitization Trust 2000-A1
               Mortgage Pass-Through Certificates, Series 2000-A
               --------------------------------------------------
            (Exact name of Registrant as specified in its charter)

<TABLE>
<CAPTION>
<S>                                                         <C>

              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)

</TABLE>

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
                                                             ----

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 (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. [ ]

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 outstanding of each of the registrant's classes
of common stock, as of December 31, 2000: Not applicable
                                          --------------


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 2000-A1 (the
"Trust Fund") formed pursuant to the pooling and servicing agreement dated as
of January 1, 2000 (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
2000-A (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").

                                    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.

                                    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, 2000, there were less than 300 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 7A  QUANTITATIVE AND QUALITATIVE DISCLOSURE ABOUT MARKET RISK

         Not applicable.

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.

                                   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.

                                    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 20, 2000).

                                           Exhibit 99.1: Annual Statement of
                   the Master Servicer.

                                           Exhibit 99.2: Annual Report of the
                   Firm of Accountants.


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

<TABLE>
<CAPTION>

                  Date of Current Report                                     Item Reported
                  ----------------------                                     -------------

                 <S>                                        <C>

                  October 25, 2000                          Monthly Report sent to Certificateholders
                                                            with the October 2000 distribution

                  November 27, 2000                         Monthly Report sent to Certificateholders
                                                            with the November 2000 distribution

                  December 26, 2000                         Monthly report sent to Certificateholders
                                                            with the December 2000 distribution

</TABLE>

                  (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.

                                  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
                                  2000-A1, MORTGAGE PASS-THROUGH
                                  CERTIFICATES, SERIES 2000-A

                                  By:   The Bank of New York,
                                        as Trustee*

                                  By:   /s/ Courtney Bartholomew
                                        ---------------------------
                                        Name:  Courtney Bartholomew
                                        Title: Vice President

                                  Date: March 26, 2001


________

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


                                 EXHIBIT INDEX

<TABLE>
<CAPTION>
<S>               <C>                                                                                   <C>

                                                                                                         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 20, 2000)  *

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

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

</TABLE>






--------------------

*        Incorporated herein by reference.



                                 Exhibit 99.1
                                 ------------


INDYMAC BANK, F.S.B.


                             OFFICERS' CERTIFICATE
                    ANNUAL STATEMENT OF THE MASTER SERVICER

                                  CWMBS, INC.
                RESIDENTIAL ASSET SECURITIZATION TRUST 2000-A1
               MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2000-A

         The undersigned do hereby certify that they are each an officer of
IndyMac Bank, F.S.B (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/ S. Blair Abernathy                Dated: 3/26/01

S. BLAIR ABERNATHY
EXECUTIVE VICE PRESIDENT


/s/ John Kim                          Dated: 3/26/01

JOHN KIM
VICE PRESIDENT



                                 Exhibit 99.2
                                 ------------


              REPORT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS

IndyMac, Inc.

         We have examined management's assertion about IndyMac Bancorp, 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) as of and for the year ended
         December 31, 2000, included in the accompanying management
         assertion. Management is responsible for IndyMac Bancorp, 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 Bank, F.S.B.'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 Bancorp. Inc.,'s compliance
         with the minimum servicing standards.

         In our opinion, management's assertion that IndyMac Bancorp., Inc.
         complied with the aforementioned minimum servicing standards as of
         and for the year ended December 31, 2000 is fairly stated, in all
         material respects.

         /s/   Grant Thornton LLP

         Los Angeles, California
         March 26, 2001


                                                              [LOGO] IndyMac

         March 26, 2000


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


                                Management's Assertion

         As of and for the year ended December 31, 2000, IndyMac Bank, F.S.B.
         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, 2000, 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 Bank, F.S.B.


         /s/   Richard Wohl
         ---------------------------------------------------------------------
         Richard Wohl    President and Chief Operating 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