UNITED STATES

                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                   FORM 10-K/A

(Mark one)
[x] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES AND EXCHANGE
    ACT OF 1934

     For the fiscal year ended September 30, 1999

                                       OR

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

                           Commission File No. 1-12979

                             HomeSide Lending, Inc.

             (Exact name of registrant as specified in its charter)

          Florida                                      59-2725415
(State or other jurisdiction of
incorporation or organization)             (I.R.S. Employer Identification No.)

                 7301 Baymeadows Way, Jacksonville, FL   32256

               (Address of principal executive offices) (Zip Code)

                                 (904) 281-3000

              (Registrant's telephone number, including area code)

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 the number of shares  outstanding  of each of the Company's  classes of
common stock, as of the latest practicable date.

 Title of each class                    Outstanding at December 28, 1999
 -------------------                    --------------------------------

Common stock $1.00 par value                   100 shares


Indicate by check mark if disclosure of delinquent  filers  pursuant to Item 405
of Regulation S-K (Section 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.


<PAGE>



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

    (a)  The following exhibits are submitted herewith:

The list of exhibits included in the Registrant's previously filed Annual Report
on Form 10-K for the fiscal year ended  September 30, 1999 is hereby  amended to
add the following exhibits.

              Number       Description

                  23.1     Consent of Arthur Andersen LLP.
                  23.2     Consent of KPMG LLP





<PAGE>



                                   SIGNATURES

    Pursuant to the  requirements  of the Section 13 or 15(d) of the  Securities
Exchange Act of 1934, the registrant has duly caused this amendment to be signed
on its behalf by the undersigned thereunto duly authorized.

                                                HomeSide Lending, Inc.
                                                ----------------------
                                                (Registrant)

Dated: June 6, 2000                             By:   /s/_____________________
                                                      Joe K. Pickett
                                                      Chairman of the Board