10-K/A

                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                   FORM 10-K/A
                                 Amendment No. 2


(Mark One)

| x |   ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended December 31, 1996

|   |   TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934

Commission File No.:  033-50326

              Access Financial Mortgage Loan Trust, Series 1996-2 
             (Exact name of registrant as specified in its charter)

New York (governing law of pooling and servicing agreement)
State or other jurisdiction of incorporation or organization)

52-1988167, 52-1988168
(I.R.S. Employer Identification No.)

c/o Norwest Bank Minnesota, N.A.
11000 Broken Land Parkway
Columbia, MD                                     21044
(Address of principal executive                 (Zip Code)
offices)

Registrant's telephone number, including area code (410) 884-2000

Securities registered pursuant to Section 12(b) of the Act:  NONE

Securities registered pursuant to Section 12(g) of the Act:  NONE

     Indicate  by check mark  whether the  registrant  (1) has filed all reports
required to be filed by Section 13 or 15(d) of the  Securities  Exchange  Act of
1934  during  the  preceding  12 months  (or for such  shorter  period  that the
registrant was required to file such reports),  and (2) has been subject to such
filing requirements for the past 90 days.

Yes    X                No



This Amendment No. 2 on Form 10-K/A amends Item 14 of the original Annual Report
on Form 10-K (the "Original Form 10-K") filed on March 27, 1997, by Norwest Bank
Minnesota, N.A. (the "Reporting Person"), on behalf of Access Financial Mortgage
Loan Trust, Series 1996-2 (the "Trust"),  established  pursuant to a Pooling and
Servicing  Agreement  (the  "Pooling  &  Servicing  Agreement")   among  Cargill
Financial Services Corporation, as  Sponsor, (the "Sponsor"),  Access  Financial
Lending  Corp., as  Seller  and  Master  Servicer,  (the  "Seller"  and  "Master
Servicer"),  and  Norwest  Bank  Minnesota,  N.A.,  as Trustee, (the "Trustee"),
pursuant to which the  Access  Financial  Mortgage  Loan  Trust,  Series 1996-2,
certificates  registered  under  the Securities Act of 1933 (the "Certificates")
were  issued.  Item  14  of  the  Original  Form 10-K  is amended to read in its
entirety as follows:

Item 14.  Exhibits, Financial Statement Schedules, and Reports on Form 8-K.

     (a)  Exhibits

          99.1 Annual Report of  Independent  Public  Accountants'  as to master
               servicing activities or servicing activities as applicable:

                   (a)  LSI Financial Group, as Servicer

          99.2 Management Assertion Letter:

                   (a)  LSI Financial Group, as Servicer

          99.3 Annual  Statements  of  Compliance  with  obligations  under  the
               Pooling Agreement or servicing agreement, as applicable, of:

                   (a) LSI Financial Group, as Servicer

     (b)  On October 1, 1996, November 1, 1996, and December 5, 1996,  a  report
          on Form 8-K was  filed  in  order  to  provide the  statements for the
          monthly distributions to holders of the Certificates. No other reports
          on  Form  8-K have  been filed during  the  last quarter of the period
          covered by this report.

     (c)  Omitted.

     (d)  Omitted.


 Previously Filed.

 Filed herewith.






                                    SIGNATURE

     Pursuant  to the  requirements  of  Section  13 or 15(d) 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:


          Access Financial Mortgage Loan Trust, Series 1996-2


                        By: Norwest Bank Minnesota, N.A.,
                            as Trustee

                       By: /s/ Sherri J. Sharps
                       By: Sherri J. Sharps
                    Title: Vice President
                    Dated: October 1, 1997



                                  EXHIBIT INDEX

          Exhibit No.

          99.1 Annual Report of  Independent  Public  Accountants'  as to master
               servicing activities or servicing activities as applicable:

                   (a)  LSI Financial Group, as Servicer

          99.2 Management Assertion Letter:

                   (a)  LSI Financial Group, as Servicer

          99.3 Annual  Statements  of  Compliance  with  obligations  under  the
               Pooling Agreement or servicing agreement, as applicable, of:

                   (a)  LSI Financial Group, as Servicer


 Previously Filed.

 Filed herewith.

EX-99.2(A)

                                                                       (logo)LSI
                                                                 FINANCIAL GROUP



As of and for the year ended December 31, 1996, LSI Financial Group has complied
in all material respects with the minimum  servicing  standards set forth in the
Mortgage Bankers Association of America's UNIFORM SINGLE ATTESTATION PROGRAM FOR
MORTGAGE  BANKERS.  As of and for this same  year,  LSI  Financial  Group had in
effect a  fidelity  bond and  errors  and  omissions  policy  in the  amount  of
$5,000,000,



/s/Bob Whisnant
Bob Whisnant, V.P, of Finance

8-1-97
Date



                                                            17500 Chenal Parkway
                                                                       Suite 200
                                               Little Rock, Arkansas 72211-9131