First Union Mortgage Corporation
NC4755
Operational & Regulatory Risk Division
P. O. Box 900001
Raleigh, North Carolina 27675-9001
1100 Corporate Center Drive
Raleigh, North Carolina 27607-5066

(logo)

Norwest Bank Minnesota N.A.
Investor Numbers A07
First Union CRA Mortgage Loan Trust 1997-1

CERTIFICATION OF COMPLIANCE


The undersigned,  an officer of First Union Mortgage Corporation ("FUMC") hereby
certifies as follows:

A review of the  activities  of FUMC during the  preceding  year with respect to
performance under this Agreement has been made under such Officer's supervision;
and

(1)
To the best of such  Officer's  knowledge the  servicing  has been  conducted in
compliance  with the  Agreement(s)  except for  immaterial  exceptions  or other
exceptions set forth in such statement; and


(2)
To the  best of such  Officer's  knowledge  based  on such  review,  there is no
default  by  FUMC  in the  fulfillment  of any of  its  obligations  under  this
Agreement,  or if there is any such default  known to such  Officer,  specifying
each such default and the nature and status thereof.


In witness whereof the  undersigned has executed this  Certificate of Compliance
this 12th day of May, 1999.

FIRST UNION MORTGAGE CORPORATION

By:

Joseph F. DeDominicis
Vice President


EVENTS OF DEFAULT (if any)