Exhibit 99.2 (a)
                                                                 
                       ARTHUR ANDERSEN LLP


            REPORT OF INDEPENDENT PUBLIC ACCOUNTANTS

To Advanta Mortgage Corp. USA:

We have examined management's assertion about Advanta Mortgage
Corp. USA'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, 1995 included in the
accompanying management assertion. Management is responsible for
Advanta Mortgage Corp. USA'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
Advanta Mortgage Corp. USA'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
Advanta Mortgage Corp. USA'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 Advanta
Mortgage Corp. USA's compliance with the minimum servicing
standards.

In our opinion, management's assertion that Advanta Mortgage
Corp. USA complied with the aforementioned minimum servicing
standards as of and for the year ended December 31, 1995 is
fairly stated, in all material respects.


\s\ Arthur Andersen

Philadelphia, PA
January 22, 1996