Litton Loan Servicing LP

January 12, 2001

As of December 31, 2000, Litton Loan Servicing LP has complied
in all material respects with the minimum servicing standards
set forth in the Mortgage Bankers Association of Americas Uniform
Single Attestation Program for Mortgage Bankers. As of and for
this same period, Litton Loan Servicing LP had in effect a
fidelity bond in the amount of $10,000,000 and an errors and
omissions policy in the amount of $10,000,000.



/s/ Larry B. Litton, Sr.
- -------------------------
Larry B. Litton, Sr.
President & CEO
January 12, 2001

/s/ Janice McClure
- ------------------
Janice McClure
Senior Vice President
January 12, 2001