Item 2. Properties 	Not applicable on reliance of Relief Letters
Item 3.
Item 3. Legal Proceedings 	There were no legal proceedings.
Item 4.
Item 4. Submission of Matters to a Vote of Security Holders 	 There were no matters submitted to a vote of the Security Holders.
PART II
Item 5.
Item 5. Market for Registrant's Common Equity and Related Stockholder matters 	There are less than 300 participants in the DTC system holding 	positions in the Cede certificates. 	The following were Noteholders and Certificateholders of record 	as of the end of the reporting year. 	Banc One Home Equity Loan Trust: 	Series 1999-1 Certificate		Cede & Co.
	There is no established public trading market for the notes.
Item 9.
Item 9. Changes in and Disagreements with Accountants on Accounting and 	Financial Disclosures:		 Information required by Item 304 of Reg. S-K.
There were no changes in and/or disagreements with Accountants on Accounting and Financial Disclosures.
PART IV
Item 12.
Item 12. Security Ownership of Certain Beneficial Owners and Management 	The Notes are represented by one or more notes registered in the name of 	"of Cede & Co., the nominee of The Depository Trust Company. An investor" 	holding Notes is not entitled to receive a certificate representing such 	"Note, except in limited circumstances. Accordingly, Cede & Co. is the " 	"sole holder of Notes, which it holds on behalf of brokers, dealers," 	banks and other participants in the DTC system. Such participants may 	hold Notes for their own accounts or for the accounts of their customers.
	The address of Cede & Co. is: 	Cede & Co. 	c/o The Depository Trust Company 	Seven Hanover Square 	"New York, New York 10004"
Item 13.
Item 13. Certain Relationships and Related Transactions. 	"There has not been, and there is not currently proposed, any transactions" 	"or series or transactions, to which any of the Trust, the Registrant," 	"the Trustee or the Servicer is a party with any Noteholder who, to the" 	"knowledge of the Registrant and Servicer, owns of record or beneficially" 	more than five percent of the Notes.
"Item 14.