SECURITIES AND EXCHANGE COMMISSION

                            Washington, D.C. 20549

                                   FORM 8-K

                                CURRENT REPORT

                    Pursuant to Section 13 or 15(d) of the

                        Securities Exchange Act of 1934

        Date of Report (Date of earliest event reported): April 25, 2001

                                      BAMS

                                  (Depositor)

    (Issuer in respect of MORTGAGE PASS-THROUGH CERTIFICATES, Series 2000-4)

                (Exact name of registrant as specified in charter)

North Carolina                33-63714                      13-4078651
(State or other               (Commission File No.)         (I.R.S. Employer
    jurisdiction of                                         Identification No.)
    organization)



100 N. Tryon St., Charlotte, NC                             28255
(Address of principal executive offices)                    (Zip Code)


Registrant's Telephone Number, including area code: (704) 388-5770

                                 Not Applicable
              (Former name, former address and former fiscal year,
                          if changed since last report)




Item 5.  Other Events

                                      BAMS
                       MORTGAGE PASS-THROUGH CERTIFICATES
                                 Series 2000-4

On April 25, 2001, The Bank of New York, as Trustee for BAMS, MORTGAGE
PASS-THROUGH CERTIFICATES Series 2000-4, made a monthly distribution to
Certificate holders of principal and/or interest pursuant to the Pooling and
Servicing Agreement, dated as of July 1, 2000, among BAMS as Depositor, BANK OF
AMERICA MORTGAGE SECURITIES, INC., Seller and Master Servicer and The Bank of
New York, as Trustee.

Item 7.  Financial Statements and Exhibits

                    (c) Exhibits

Exhibit No.                               Description

99                  Report  to  Holders  of  BAMS,  MORTGAGE  PASS-THROUGH
                    CERTIFICATES Series 2000-4 relating to the distribution date
                    of  April  25,  2001  prepared  by  The Bank of New York, as
                    Trustee  under  the Pooling and Servicing Agreement dated as
                    of July 1, 2000.







                                   SIGNATURES

Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned thereunto duly authorized.

Dated: April 25, 2001


                                      BAMS


                          By: /s/ Courtney Bartholomew
                              ------------------------------
                          Name:   Courtney Bartholomew
                                  Vice President
                                  The Bank of New York,
                                  as Trustee







                                 EXHIBIT INDEX



Exhibit


99                  Monthly Remittance Statement dated April 25, 2001



                             Payment Date: 04/25/01


          ------------------------------------------------------------
                   BANK OF AMERICA MORTGAGE SECURITIES, INC.
               MORTGAGE PASS-THROUGH CERTIFICATES, Series 2000-4
                     Bank of America, N.A., Master Servicer
          ------------------------------------------------------------



Class Information                                Current Payment Information

- ----------------------------------------------------------------------------------------------------------------------------------
                                 Beginning       Pass Thru     Principal       Interest      Total           Principal  Interest
Type       Class Code   Name     Cert. Bal.      Rate          Dist. Amt.      Dist. Amt.    Dist.           Losses     Shortfalls
- ----------------------------------------------------------------------------------------------------------------------------------
                                                                                             
Senior                  A1        126,181,889.03    8.000000%    14,899,458.47    832,942.41   15,732,400.88       0.00   8,270.19
                        A2         12,655,134.11    8.000000%             0.00          0.00            0.00       0.00     829.44
                        A3         25,100,000.00    8.000000%             0.00    165,688.23      165,688.23       0.00   1,645.10
                        A4         22,500,000.00    8.000000%             0.00    148,525.31      148,525.31       0.00   1,474.69
                        APO           941,612.73    0.000000%        49,972.34          0.00       49,972.34       0.00       0.00
Residual                AR                  0.00    8.000000%             0.00          0.00            0.00       0.00       0.00
- ----------------------------------------------------------------------------------------------------------------------------------
Subordinate             B1          4,825,540.68    8.000000%         3,347.42     31,854.00       35,201.41       0.00     316.27
                        B2          1,683,119.94    8.000000%         1,167.56     11,110.48       12,278.04       0.00     110.31
                        B3          1,010,667.77    8.000000%           701.09      6,671.54        7,372.63       0.00      66.24
                        B4            561,039.98    8.000000%           389.19      3,703.49        4,092.68       0.00      36.77
                        B5            449,627.79    8.000000%           311.90      2,968.05        3,279.95       0.00      29.47
                        B6            449,288.63    8.000000%           311.67      2,965.81        3,277.48       0.00      29.45
- ----------------------------------------------------------------------------------------------------------------------------------
- ----------------------------------------------------------------------------------------------------------------------------------
Totals          -        -        196,357,920.66     -           14,955,659.63  1,206,429.33   16,162,088.96     -       12,807.93
- ----------------------------------------------------------------------------------------------------------------------------------
Class Information

- --------------------------------------------------------------------------------
                                             Ending Cert.          Unpaid
Type             Class Code     Name         Notional Bal.         Interest
- --------------------------------------------------------------------------------
Senior                          A1        111,282,430.56          8,270.19
                                A2         12,738,672.23            829.44
                                A3         25,100,000.00          1,645.10
                                A4         22,500,000.00          1,474.69
                                APO           891,640.39              0.00
Residual                        AR                  0.00              0.00
- --------------------------------------------------------------------------------
Subordinate                     B1          4,822,193.27            316.27
                                B2          1,681,952.38            110.31
                                B3          1,009,966.68             66.24
                                B4            560,650.79             36.77
                                B5            449,315.88             29.47
                                B6            448,976.96             29.45
- --------------------------------------------------------------------------------
- --------------------------------------------------------------------------------
Totals            -              -        181,485,799.15         12,807.93
- --------------------------------------------------------------------------------



                             Payment Date: 04/25/01


          ------------------------------------------------------------
                   BANK OF AMERICA MORTGAGE SECURITIES, INC.
               MORTGAGE PASS-THROUGH CERTIFICATES, Series 2000-4
                     Bank of America, N.A., Master Servicer
          ------------------------------------------------------------



Class Information                                Current Payment Information

                                                      Factors per $1,000

- ------------------------------------------------------------------------------------------------------------------------
                                   Beginning     Pass Thru    CUSIP       Principal     Interest    Ending Cert./
Type        Class Code    Name   Cert. Bal.(Face)  Rate       Numbers       Dist.         Dist.     Notional Bal.
- ------------------------------------------------------------------------------------------------------------------------
                                                                            
- ------------------------------------------------------------------------------------------------------------------------
Senior                     A1    126,181,889.03     8.000000% 060506NH1    95.518534      5.339888    713.417512
                           A2     12,655,134.11     8.000000% 060506NJ7     0.000000      0.000000  1,061.556019
                           A3     25,100,000.00     8.000000% 060506NK4     0.000000      6.601125  1,000.000000
                           A4     22,500,000.00     8.000000% 060506NL2     0.000000      6.601125  1,000.000000
                           APO       941,612.73     0.000000% 060506NM0    50.900374      0.000000    908.198953
Residual                   AR              0.00     8.000000% 060506NN8     0.000000      0.000000      0.000000
- ------------------------------------------------------------------------------------------------------------------------
Subordinate                B1      4,825,540.68     8.000000% 060506NP3     0.690047      6.566480    994.061692
                           B2      1,683,119.94     8.000000% 060506NQ1     0.690047      6.566480    994.061692
                           B3      1,010,667.77     8.000000% 060506NR9     0.690047      6.566480    994.061692
                           B4        561,039.98     8.000000% 060506NS7     0.690047      6.566480    994.061692
                           B5        449,627.79     8.000000% 060506NT5     0.690047      6.566480    994.061692
                           B6        449,288.63     8.000000% 060506NU2     0.690047      6.566480    994.061692
- ------------------------------------------------------------------------------------------------------------------------
- ------------------------------------------------------------------------------------------------------------------------
Totals       -             -     196,357,920.66       -            -           -             -           -
- ------------------------------------------------------------------------------------------------------------------------
- ------------------------------------------------------------------------------------------------------------------------





          ------------------------------------------------------------
                   BANK OF AMERICA MORTGAGE SECURITIES, INC.
               MORTGAGE PASS-THROUGH CERTIFICATES, Series 2000-4
                     Bank of America, N.A., Master Servicer
          ------------------------------------------------------------

- --------------------------------------------------------------------------------
                             COLLATERAL INFORMATION
- --------------------------------------------------------------------------------
                                           Total
                                           -----
Prin balance       181,485,799.01   181,485,799.01
Loan count                    510              510
Avg loan rate           8.504951%             8.50
Prepay amount       14,735,835.51    14,735,835.51

- --------------------------------------------------------------------------------
                                FEES AND ADVANCES
- --------------------------------------------------------------------------------
                                           Total
                                           -----
Master serv fees        47,259.07        47,259.07
Sub servicer fees            0.00             0.00
Trustee fees               736.34           736.34


Agg advances                  N/A              N/A
Adv this period              0.00             0.00

- --------------------------------------------------------------------------------
                          LOSSES & INSURANCE COVERAGES
- --------------------------------------------------------------------------------

                                           Total
                                           -----
Realized losses              0.00             0.00
Cumulative losses            0.00             0.00

Coverage Amounts                           Total
- ----------------                           -----
Bankruptcy                   0.00             0.00
Fraud                4,511,870.53     4,511,870.53
Special Hazard               0.00             0.00


                         Aggregate Certificate Information
   -----------------------------------------------------------------------------
   Class            Aggregate           Aggregate                     Aggregate
   Type            Percentage           Prepay Pct.              End Cert. Bal.
   -----------------------------------------------------------------------------
   Senior           95.430110%           100.000000%            187,378,635.88
   -----------------------------------------------------------------------------
   Junior            4.569890%             0.000000%              8,973,055.97
   -----------------------------------------------------------------------------

- --------------------------------------------------------------------------------
                          DELINQUENCY INFORMATION
- --------------------------------------------------------------------------------
Period                             Loan Count    Ending Stated Balance
- ------                             ----------    ---------------------
30 to 59 days                           7                 2,315,971.10
60 to 89 days                           2                   604,038.41
90 or more                              1                   553,514.13
Foreclosure                             1                   291,908.65

Totals:                                11                 3,765,432.29
- --------------------------------------------------------------------------------



- --------------------------------------------------------------------------------
                                REO INFORMATION
- --------------------------------------------------------------------------------
   REO Date        Loan Number     Ending Stated Balance          Book Value
   --------        -----------     ---------------------          ----------
   N/A              #                   0                            N/A
   N/A              #                   0                            N/A
   N/A              #                   0                            N/A
   N/A              #                   0                            N/A
   N/A              #                   0                            N/A
   N/A              #                   0                            N/A
   N/A              #                   0                            N/A
   N/A              #                   0                            N/A
   Totals:                              0                            N/A

Current Total Outstanding Balance:                                      0.00
Current Total Outstanding Number of Loans:                                 0




- --------------------------------------------------------------------------------
                               OTHER INFORMATION
- --------------------------------------------------------------------------------
                                  Amount/Withdrawal     Total/Ending Bal.
                                  -----------------     -----------------
Available remittance amount           16,162,088.96         16,162,088.96
Principal remittance amount           14,955,659.63         14,955,659.63
Interest remittance amount             1,206,429.33          1,206,429.33