EX-99.1

  (Logo) PricewaterhouseCoopers

  PricewaterhouseCoopers
  llP 214 N.Tryon Street
  Ste 3600
  Charlotte NC 28202

  Telephone (704) 344 7500
  Facsimile (704) 344 4100

  Report of Independent Accountants

  To the Board of Directors and Shareholder of Bank of America, N.A.

  We have examined management's assertion about compliance by the mortgage
  division of Bank of America, N.A. (the "Company"), an operating division of
  Bank of America, N.A., 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, 2003
  included in the accompanying management assertion (see Exhibit 1). Management
  is responsible for the Company's compliance with those minimum servicing
  standards. Our responsibility is to express an opinion on management's
  assertion about the Company'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 the Company'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 the Company's compliance with the minimum servicing
  standards.

  In our opinion, management's assertion that the Company complied with the
  aforementioned minimum servicing standards as of and for the year ended
  December 31,2003 is fairly stated, in all material respects.

  /s/ PriceWaterhouseCoopers
  March 2, 2004

  Bank of America

  Management's Assertion Concerning Compliance
  with USAP Minimum Servicing Standards

  March 2, 2004

  As of and for the year ended December 31,2003, the Mortgage division of Bank
  of America, N.A. (the "Company"), has complied in all material respects with
  the minimum servicing standards set forth in the Mortgage Bankers Association
  of America's Uniform Single Attestation Program for Mortgage Bankers ("USAP").

  As of and for this same period, the Company had in effect a fidelity bond and
  errors and omissions policy in the amounts of $340,000,000 and $270,000,000,
  respectively.

  /s/ Ashish Kamit
  Ashish Kamit
  Senior Vice President and Managing Director
  Bank of America, N .A.

  /s/ J Mark Hanson
  J Mark Hanson
  Senior Vice President
  Bank of America, N .A.

  /S/ H Randell Chestnut
  Senior Vice President
  Bank of America, N.A.

  Gary K Bettin
  Senior Vice President and National Servicing Executive Bank of America, N .A.

  /s/ Kevin M Shannon
  Kevin M. Shannon
  President
  Consumer Real Estate

  Bank of America, N.A.
  USA
  [Olympic rings]
  2000-2004
  US Olympic Teams