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KPMG
Suite 2800
Two First Union Center
Charlotte, NC 28282-8290

Independent Accountants' Report

The Board of Directors
First Union Mortgage Corporation:

We have examined management's assertion about First Union Mortgage Corporation's
(a  wholly-owned  subsidiary  of First Union  Corporation)  compliance  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 the year ended December 31, 1998 included in the accompanying management
assertion.  Management is  responsible  for First Union  Mortgage  Corporation's
compliance with those minimum  servicing  standards.  Our  responsibility  is to
express  an  opinion  on  management's  assertion  about  First  Union  Mortgage
Corporation'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 First Union Mortgage  Corporation'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  First  Union  Mortgage  Corporation's
compliance with the minimum servicing standards.

In our opinion,  management's  assertion that First Union  Mortgage  Corporation
complied in all material  respects  with the  aforementioned  minimum  servicing
standards as of and for the year ended  December 31, 1998 is fairly  stated,  in
all material respects.

KPMG
March 26, 1999

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