SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                    Form 8-K

                                 CURRENT REPORT

                     Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934

        Date of Report (Date of earliest event reported) January 25, 2000

                       GE CAPITAL MORTGAGE SERVICES, INC.
                       ----------------------------------
                    (as Seller and Servicer under Pooling and
                   Servicing Agreements each providing for the
           issuance of a Series of Mortgage Pass-Through Certificates)

                       GE Capital Mortgage Services, Inc.
                       ----------------------------------
              (formerly known as Travelers Mortgage Services, Inc.)
             (Exact name of registrant as specified in its charter)

                New Jersey             33-5042           21-0627285
                ----------             -------           ----------
             (State or Other         (Commission      (I.R.S. Employer
             Jurisdiction of         File Number)     Identification No.)
              Incorporation)

             Three Executive Campus
             Cherry Hill, New Jersey                       08002
             -----------------------                       -----
             (Address of Principal                       (Zip Code)
             Executive Offices)

                    Registrant's telephone number, including
                            area code (609) 661-6100


Item 5.  Other Events
- -------  ------------

     On January 25, 2000 GE Capital Mortgage  Services,  Inc.  ("GECMSI") passed
through to Certificateholders of Mortgage  Pass-Through  Certificates  principal
and  interest   payments  as  required  for  the  various   Series  of  Mortgage
Pass-Through  Certificates  listed  below and as detailed  in Item 7,  Financial
Statements, Pro Forma Financial Information and Exhibits, of this Report.

Series                           Distribution on Series
- ------                           ----------------------

Series 1999-01                             $6,950,250.02
Series 1999-02                             $3,776,701.99
Series 1999-03                             $3,424,722.10
Series 1999-04                             $3,087,329.27
Series 1999-05                             $6,428,844.85
Series 1999-HE1                           $11,848,325.95
Series 1999-06                             $7,001,190.87
Series 1999-09                             $4,201,781.14
Series 1999-10                             $1,811,228.72
Series GEM99-1                             $4,437,585.15
Series  1999-11                            $9,717,164.75
Series  1999-12                            $2,073,458.97
Series  1999-13                            $4,560,346.90
Series  1999-14                            $1,924,153.60
Series 1999-HE2                            $5,053,740.45
Series  1999-15                            $9,877,012.49
Series  1999-16                            $2,007,585.47
Series  1999-17                            $4,007,071.75
Series  1999-19                            $1,817,726.93
Series  1999-18                            $5,082,469.17
Series 1999-HE3                            $9,533,028.41
Series  1999-20                            $5,532,121.39
Series  1999-21                            $3,051,396.65

                                         $117,205,236.99

             Less HE1-3                   $90,770,142.18
                                         ================
Item 7.  Financial Statements and Exhibits
- -------  ---------------------------------

     Attached  as Exhibits to Item 7 are the  "Servicer's  Certificate"  and the
"Distribution Date Statement" filed as part of this Report.

Series                    Exhibit No.                     Description
- ------                    -----------                     -----------

Series 1999-01                99.1                  Servicer's Certificate
                              99.2                  Distribution Date Statment
Series 1999-02                99.3                  Servicer's Certificate
                              99.4                  Distribution Date Statment
Series 1999-04                99.5                  Servicer's Certificate
                              99.6                  Distribution Date Statment
Series 1999-03                99.7                  Servicer's Certificate
                              99.8                  Distribution Date Statment
Series 1999-05                99.9                  Servicer's Certificate
                             99.10                  Distribution Date Statment
Series 1999-01 HE            99.11                  Servicer's Certificate
                             99.12                  Distribution Date Statment
Series 1999-06               99.13                  Servicer's Certificate
                             99.14                  Distribution Date Statment
Series GEM1999-01            99.17                  Servicer's Certificate
                             99.18                  Distribution Date Statment
Series 1999-09               99.19                  Servicer's Certificate
                             99.20                  Distribution Date Statment
Series 1999-10               99.15                  Servicer's Certificate
                             99.16                  Distribution Date Statment
Series 1999-11               99.21                  Servicer's Certificate
                             99.22                  Distribution Date Statment
Series 1999-12               99.23                  Servicer's Certificate
                             99.24                  Distribution Date Statment
Series 1999-13               99.25                  Servicer's Certificate
                             99.26                  Distribution Date Statment
Series 1999-14               99.27                  Servicer's Certificate
                             99.28                  Distribution Date Statment
Series 1999-02 HE            99.29                  Servicer's Certificate
                             99.30                  Distribution Date Statment
Series 1999-15               99.31                  Servicer's Certificate
                             99.32                  Distribution Date Statment
Series 1999-16               99.33                  Servicer's Certificate
                             99.34                  Distribution Date Statment
Series 1999-17               99.35                  Servicer's Certificate
                             99.36                  Distribution Date Statment
Series 1999-19               99.37                  Servicer's Certificate
                             99.38                  Distribution Date Statment
Series 1999-18               99.39                  Servicer's Certificate
                             99.40                  Distribution Date Statment
Series 1999-03 HE            99.41                  Servicer's Certificate
                             99.42                  Distribution Date Statment
Series 1999-20               99.43                  Servicer's Certificate
                             99.44                  Distribution Date Statment
Series 1999-21               99.45                  Servicer's Certificate
                             99.46                  Distribution Date Statment

                                   SIGNATURES

     Pursuant to the  requirements  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.

                           GE CAPITAL MORTGAGE SERVICES, INC.

                           By:     /s/ Tim Neer
                                 ----------------------------------------
                           Name:     Tim Neer
                           Title:    Vice President, Investor Relations

Dated as of :   January 25, 2000

                                 EXHIBIT INDEX

EXHIBIT NO.                DESCRIPTION
- -----------                -----------
99.1                       Series 1999-01 Servicer's Certificate
99.2                       Series 1999-01 Distribution Date Statement
99.3                       Series 1999-02 Servicer's Certificate
99.4                       Series 1999-02 Distribution Date Statement
99.5                       Series 1999-04 Servicer's Certificate
99.6                       Series 1999-04 Distribution Date Statement
99.7                       Series 1999-03 Servicer's Certificate
99.8                       Series 1999-03 Distribution Date Statement
99.9                       Series 1999-05 Servicer's Certificate
99.10                      Series 1999-05 Distribution Date Statement
99.11                      Series 1999-01 HE Servicer's Certificate
99.12                      Series 1999-01 HE Distribution Date Statement
99.13                      Series 1999-06 Servicer's Certificate
99.14                      Series 1999-06 Distribution Date Statement
99.15                      Series 1999-10 Servicer's Certificate
99.16                      Series 1999-10 Distribution Date Statement
99.17                      Series GEM1999-01 Servicer's Certificate
99.18                      Series GEM1999-01 Distribution Date Statement
99.19                      Series 1999-09 Servicer's Certificate
99.20                      Series 1999-09 Distribution Date Statement
99.21                      Series 1999-11 Servicer's Certificate
99.22                      Series 1999-11 Distribution Date Statement
99.23                      Series 1999-12 Servicer's Certificate
99.24                      Series 1999-12 Distribution Date Statement
99.25                      Series 1999-13 Servicer's Certificate
99.26                      Series 1999-13 Distribution Date Statement
99.27                      Series 1999-14 Servicer's Certificate
99.28                      Series 1999-14 Distribution Date Statement
99.29                      Series 1999-02 HE Servicer's Certificate
99.30                      Series 1999-02 HE Distribution Date Statement
99.31                      Series 1999-15 Servicer's Certificate
99.32                      Series 1999-15 Distribution Date Statement
99.33                      Series 1999-16 Servicer's Certificate
99.34                      Series 1999-16 Distribution Date Statement
99.35                      Series 1999-17 Servicer's Certificate
99.36                      Series 1999-17 Distribution Date Statement
99.37                      Series 1999-19 Servicer's Certificate
99.38                      Series 1999-19 Distribution Date Statement
99.39                      Series 1999-18 Servicer's Certificate
99.40                      Series 1999-18 Distribution Date Statement
99.41                      Series 1999-03 HE Servicer's Certificate
99.42                      Series 1999-03 HE Distribution Date Statement
99.43                      Series 1999-20 Servicer's Certificate
99.44                      Series 1999-20 Distribution Date Statement
99.45                      Series 1999-21 Servicer's Certificate
99.46                      Series 1999-21 Distribution Date Statement