OFFICER'S CERTIFICATE PURSUANT TO SECTION 3.18 OF THE POOLING AND SERVICING
                     AGREEMENT DATED AS OF FEBRUARY 23, 1999


                    BANK OF AMERICA MORTGAGE SECURITIES, INC.
                MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 1999-1


I, Robert S. O'Neill, Senior Vice President of Bank of America, N.A. (the
"Servicer"), Subservicer for BA Mortgage, LLC, successor in interest by merger
of NationsBanc Mortgage Corporation (the "Servicer"), the Servicer in connection
with Mortgage Pass-Through Certificates Series 1999-1, do hereby certify that
(i) a review of the activities of the Servicer during the preceding calendar
year and of its performance under this Agreement (the "Agreement") has been made
under my supervision, (ii) to the best of my knowledge, based on such review,
the Servicer has fulfilled in all material aspects its obligations under the
Agreement throughout such year.

Certified on this 4th day of March 2003.

                                    BANK OF AMERICA, N.A.


                                    By:
                                       ------------------------------------
                                            Name:  Robert S. O'Neill
                                            Title: Senior Vice President


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