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SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 10-K



Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934


(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, 1999

_______________________ or

[ ] Transition Report Pursuant to Section 13 or 15d of the Securities
Exchange Act of 1934
For the transition period from _____________ to ________

Commission file Number 333-90547

Greenwich Capital Acceptance, Inc.
(Exact name of registrant as specified in its charter)

Delaware 06-1442101
(State or other jurisdiction (I.R.S. Employer
of incorporation or organization) Identification No.)

600 Steamboat Road
Greenwich, Connecticut 06830

(Address of Principal Executive Offices) (Zip Code)

Registrant's telephone number, including area code: (203) 625-2700

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

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 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 *
The closing date for the transaction was in December 1999

PART I

Item 2. Properties
Not applicable on reliance of Relief Letters

Item 3. Legal Proceedings
There were no legal proceedings.

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. Market for Registrant's Common Equity and Related Stockholder matters
There were under 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.
Fifth Third Mortgage Loan Trust Mortgage Loan Pass-Through Certificates
Series 1999-1 Class A-1 Cede & Co. 100.00%
Series 1999-1 Class A-2 Cede & Co. 100.00%
Series 1999-1 Class B-1 Fifth Third Bank, Florida 6.46%
Series 1999-1 Class B-1 Fifth Third Bank, Central Ohio 16.69%
Series 1999-1 Class B-1 Fifth Third Bank, Indiana 5.65%
Series 1999-1 Class B-1 Fifth Third Bank, Kentucky 14.95%
Series 1999-1 Class B-1 Fifth Third Bank, Northern Ken 3.01%
Series 1999-1 Class B-1 Fifth Third Bank, Northwestern 15.44%
Series 1999-1 Class B-1 Fifth Third Bank, Ohio Valley 0.64%
Series 1999-1 Class B-1 Fifth Third Bank, Southwest 4.48%
Series 1999-1 Class B-1 Fifth Third Mortgage Company 32.67%
Series 1999-1 Class B-2 Fifth Third Bank, Central Ohio 17.13%
Series 1999-1 Class B-2 Fifth Third Bank, Florida 3.61%
Series 1999-1 Class B-2 Fifth Third Bank, Indiana 9.98%
Series 1999-1 Class B-2 Fifth Third Bank, Kentucky 11.35%
Series 1999-1 Class B-2 Fifth Third Bank, Northern Ken 3.74%
Series 1999-1 Class B-2 Fifth Third Bank, Northwestern 13.23%
Series 1999-1 Class B-2 Fifth Third Bank, Ohio Valley 1.03%
Series 1999-1 Class B-2 Fifth Third Bank, Southwest 7.86%
Series 1999-1 Class B-2 Fifth Third Mortgage Company 32.07%

Fifth Third Bank, Central Ohio
38 Fountain Square Plaza
ATTN John Dequattro
MD 1090A3
Cincinnati, OH 45263

Fifth Third Bank, Florida
38 Fountain Square Plaza
ATTN John Dequattro
MD 1090A3
Cincinnati, OH 45263

Fifth Third Bank, Indiana
38 Fountain Square Plaza
ATTN John Dequattro
MD 1090A3
Cincinnati, OH 45263

Fifth Third Bank, Kentucky
38 Fountain Square Plaza
ATTN John Dequattro
MD 1090A3
Cincinnati, OH 45263

Fifth Third Bank, Northern Kentucky
38 Fountain Square Plaza
ATTN John Dequattro
MD 1090A3
Cincinnati, OH 45263

Fifth Third Bank, Northwestern
38 Fountain Square Plaza
ATTN John Dequattro
MD 1090A3
Cincinnati, OH 45263

Fifth Third Bank, Ohio Valley
38 Fountain Square Plaza
ATTN John Dequattro
MD 1090A3
Cincinnati, OH 45263

Fifth Third Bank, Southwest
38 Fountain Square Plaza
ATTN John Dequattro
MD 1090A3
Cincinnati, OH 45263

Fifth Third Mortgage Company
38 Fountain Square Plaza
ATTN John Dequattro
MD 1090A3
Cincinnati, OH 45263

There is no established public trading market for the notes.

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

(a) 1. Not Applicable
2. Not Applicable
3. Exhibits
99.1 Annual Summary Statement
99.2 Annual Statement as to Compliance.
99.3 Annual Independent Public
Accountant's Servicing Report.

(b) Reports on Form 8-K
No 8-K Filed in 1999





(c) See (a) 3 above

(d) Not Applicable



SIGNATURES

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.

Greenwich Capital Acceptance, Inc.
Fifth Third Mortgage Trust 1999-1 Mortgage Loan Pass-Through Certificates,
Series 1999-1

/s/ John Graham, Vice President
Greenwich Capital Acceptance, Inc.



Date: March 31, 1999


EXHIBIT INDEX

Exhibit Number Description
99.1 Annual Summary Statement
99.2 Annual Statement of Compliance
99.3 Report of Independent Accountants




EXHIBIT 99.1 -- Summary of Aggregate Amounts or End of Year
Amounts for the period ending December 31, 1999

Greenwich Capital Acceptance, Inc.
Fifth Third Mortgage Trust 1999-1 Mortgage Loan Pass-Through Certificates,
Series 1999-1
Summary of Aggregate Amounts or End of Year Amounts

Pool Balance 648,624,969.62
Principal Collections 2,521,572.84
Realized Loss 0.00
Interest Collections 3,711,758.21
Servicer Fees 0.00
Trustee Fees 0.00





Number Stated Principal Bal
30-59 days deliquen 1 285,810.34
60-89 days deliquen 0 0.00
90+ days deliquent 0 0.00
Foreclosures 0 0.00
Bankruptcies 0 0.00
REO Properties 0 0.00


Certificate Balance Interest Principal

Class A-1 253,248,700.00 0.00 0.00
Class A-2 370,894,600.00 0.00 0.00
Class B-1 8,507,125.62 0.00 0.00
Class B-2 18,496,116.84 0.00 0.00







EXHIBIT 99.2 -- Servicer's Annual Statement of Compliance
To be supplied upon receipt by the Trustee

EXHIBIT 99.3 -- Report of Independent Auditors
To be supplied upon receipt by the Trustee