Exhibit 99.2

                         [PRICEWATERHOUSECOOPERS LOGO]


                       Report of Independent Accountants

To the Board of Directors and Stockholder
of Chase Manhattan Mortgage Corporation

We have examined management's assertion about Chase Manhattan Mortgage
Corporation and its subsidiaries' (the "Company") compliance with the minimum
servicing standards identified in the Mortgage Bankers Association of America's
Uniform Single Attestation Program for Mortgage Bankers ("USAP") exclusive of
standards 1.4., III.3, III.4., V.3. and V.4., (collectively the "Applicable
Standards") solely for the purposes of servicing the home equity loans
underlying the Revolving Home Equity Loan Asset Backed Certificate Series 1995-1
(the "Agreement") as of and for the year ended December 31, 2000 included in the
accompanying management assertion (see Exhibit I).

As the loans applicable to management's assertion are home equity loans, rather
than first mortgage loans, certain USAP minimum servicing standards relating to
escrows are not applicable. Therefore, USAP minimum servicing standards I.4.,
III.3., III.4.; V.3., and V.4., were not addressed during our examination.
Further, management's assertion and this report relate only to the servicing of
home equity loans underlying the Agreement and not loans in the residential loan
servicing population.

Management is responsible for the Company's compliance with those Applicable
Standards. Our responsibility is to express an opinion exclusively on
management's assertion about the entity's compliance with the Applicable
Standards based on our examination.

Our examination was made in accordance with standards established by the
American Institute of Certified Public Accountants and, accordingly, included
examining, on a test basis, evidence about the Company's compliance with the
Applicable Standards and performing such other procedures as we considered
necessary in the circumstances. We believe that our examination provides a
reasonable basis for our opinion. Our examination does not provide a legal
determination on the Company's compliance with the Applicable Standards.

In our opinion, management's assertion that the Company complied with the
Applicable Standards solely for the purpose of servicing loans underlying the
Agreement as of and for the year ended December 31, 2000 is fairly stated, in
all material respects.

/s/ PRICEWATERHOUSECOOPERS LLP

March 2, 2001









                                                                   Exhibit 1

                  Management's Assertion Concerning Compliance
                     with USAP Minimum Servicing Standards

March 2, 2001


As of and for the year ended December 31, 2000, Chase Manhattan Mortgage
Corporation and its subsidiaries (the "Company") have 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
("USAP") exclusive of standards I.4., III.3., III.4., V.3., and V.4.,
(collectively the "Applicable Standards") solely for the purpose of servicing
the home equity loans underlying the Revolving Home Equity Loan Asset Backed
Certificate Series 1995-1 (the "Agreement") except for standard V.2., Mortgagor
Loan Accounting. During the year, interest rate changes were not consistently
made in accordance with the note. We are currently implementing a review process
to ensure that all interest rate adjustments were performed in accordance with
the note.

As these loans are home equity loans rather than first mortgage loans, certain
USAP minimum servicing standards relating to escrows are not applicable.
Specifically, no assertions as to USAP minimum servicing standards I.4., III.3.,
III.4., V.3., and V.4. are being made.

Further, the assertion above relates only to the servicing of loans underlying
the Consumer Lending Portfolio and not to loans in the general first mortgage
servicing population.

As of and for this same period, the Company had in fidelity bond and errors and
omissions policy in the amounts of $250,000,000 and $25,000,000 respectively.

/s/ Thomas Jacob                          /s/ Terry L. Gentry
---------------------------               ---------------------------
Thomas Jacob                              Terry L. Gentry
Chief Executive Officer                   Executive Vice President of Servicing

/s/ Glenn Mouridy                         /s/ Lucy Gambino
---------------------------               ---------------------------
Glenn Mouridy                             Lucy Gambino
Executive Vice President of Servicing     Vice President of Risk Management