(LOGO) Provident Bank
One East Fourth Street
Cincinnati, Ohio 45202
Phone: (513) 579-2000

Officer's Certificate
Annual Statement as to Compliance

May 1,2000

Attn: Delena Williams-Pratt
Wells Fargo Bank Minnesota, N.A.
Corporate Trust Services
Mortgage Markets Group
11000 Broken Land Parkway
Columbia, MD 21044


Re:      The Provident Bank Home Equity Loan Asset-Backed Certificates, Series,
         1999-3
The Provident Bank Revolving Home Equity Loan Asset-Backed Certificates, Series
1999-A


Pursuant  to  Section  3.10  of  the  above-referenced   Pooling  and  Servicing
Agreements,  the  undersigned  as an  Officer  of The  Provident  Bank as Master
Servicer, hereby certifies that


(i)   to the best of my knowledge, the Master Servicer has fully complied in all
      material   respects  with  the  provisions  of  Articles  III  and  V,  if
      applicable,

(ii)  a review of the  activities of the Master  Servicer  during the applicable
      periods  of  the  1999  fiscal  year  and of its  performance  under  said
      Agreements have been made under such officer's supervision and

(iii) to the best of such officer's knowledge,  based on such review, the Master
      Servicer has fulfilled all its material  obligations  under the Agreements
      throughout such fiscal year.


THE PROVIDENT BANK, AS MASTER SERVICER

By: Steven L. Weber
Title: VP


Member FDIC
Equal Housing Lender