Exhibit 31.1



Certification



I, David A. Penkrot, the senior officer for securitization servicing of Bank One, National Association, a national banking association which serves as servicer for the
Banc One HELOC Trust 1999-1, certify that:



| | 1. | I have reviewed this annual report on Form 10-K, and all reports on Form 8-K containing distribution or servicing reports filed in respect of periods included in the year covered by
this annual report, of Banc One HELOC Trust 1999-1;
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| | 2. | Based on my knowledge, the information in these reports, taken as a whole, does not contain any untrue statement of a material fact or omit to state a material fact necessary to
make the statements made, in light of the circumstances under which such statements were made, not misleading as of the last day of the period covered by this annual report;
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| | 3. | Based on my knowledge, the distribution or servicing information required to be provided to the trustee by the servicer under the pooling and servicing, or similar, agreement, for
inclusion in these reports is included in these reports;
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| | 4. | I am responsible for reviewing the activities performed by the servicer under the pooling and servicing, or similar, agreement and based upon my knowledge and the annual compliance
review required under that agreement, and except as disclosed in the reports, the servicer has fulfilled its obligations under that agreement; and
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| | 5. | The reports disclose all significant deficiencies relating to the servicers compliance with the minimum servicing standards based upon the report provided by an independent
public accountant, after conducting a review in compliance with the Uniform Single Attestation Program for Mortgage Bankers or similar procedure, as set forth in the pooling and servicing, or similar, agreement, that is included in these reports.
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Dated: March 29, 2004



/s/    David A. Penkrot

Name: David A. Penkrot

Title: Senior Officer for Securitization

Servicing and Senior Vice President-Controller