10-K/A

                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                   FORM 10-K/A
                                 Amendment No. 1


(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, 1995

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

Commission File No.:  033-48771-05

    Structured Asset Securities Corporation, Mortgage Pass-Through Certificates,
                              Series 1995-04 Trust
             (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)

52-1971909
(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. 1 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 29, 1996, by Norwest Bank
Minnesota,  N.A.  (the  "Reporting  Person"),  on  behalf  of  Structured  Asset
Securities Corporation Mortgage Pass-Through Certificates,  Series 1995-04 Trust
(the "Trust"), established pursuant to a Trust Agreement (the "Trust Agreement")
among Structured Asset Securities Corporation,  as Depositor, (the "Depositor"),
and Norwest Bank Minnesota, N.A., as Trustee (the "Trustee"),  pursuant to which
the Structured Asset Securities Corporation, Mortgage Pass-Through Certificates,
Series 1995-04 Trust,  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) Mellon Mortgage Company, as Servicer  

          99.2 Management Assertion Letter:

                    (a) Mellon Mortgage Company, as Servicer  

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

                    (a) Mellon Mortgage Company, as Servicer  

     (b)  Omitted.

     (c)  Omitted.

     (d)  Omitted.


 Filed herewith.

 Such  document  (i) is not  filed  herewith  since  such  document  was not
received by the Reporting  Person at least three  business days prior to the due
date of this report;  and (ii) will be included in a further  admendment  to the
Original Form 10-K to be filed within 30 days of the Reporting  Person's receipt
of such document.


                                    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:


   Structured Asset Securities Corporation Mortgage Pass-Through Certificates,
                              Series 1995-04 Trust


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

                        By: /s/ Sherri J. Sharps
                        By: Sherri 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) Mellon Mortgage Company, as Servicer  

          99.2 Management Assertion Letter:

                    (a) Mellon Mortgage Company, as Servicer  


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

                    (a) Mellon Mortgage Company, as Servicer  

 Filed herewith.

 Such  document  (i) is not  filed  herewith  since  such  document  was not
received by the Reporting  Person at least three  business days prior to the due
date of this report;  and (ii) will be included in a further  admendment  to the
Original Form 10-K to be filed within 30 days of the Reporting  Person's receipt
of such document.

EX-99.1(A)

(logo)Peat Marwick LLP

700 Louisiana              Telephone 713 224 4262           Telefax 713 224 4566
P 0. Box 4545              Telex 286705 PMMT UR (RCA)
Houston, TX 77210-4545



                          INDEPENDENT AUDITORS' REPORT

The Board of Directors
Mellon Mortgage Company:
                                     

We have examined  management's  assertion as to Mellon   Mortgage Company's (the
Company)  compliance  with the minimum  servicing  standards  identified  in the
Mortgage  Bankers  Association  of America's  (MBA) UNIFORM  SINGLE  ATTESTATION
PROGRAM FOR MORTGAGE  BANKERS  (USAP) as of and for the year ended  December 31,
1995,  included  in  the  accompanying   management  assertion.   Management  is
responsible   for   the   Company's  compliance  with  those  minimum servicing,
standards.  Our responsibility  is  to  express  an  opinion  on    management's
assertion   about   the   Company's  compliance  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
minimum  servicing   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 minimum  servicing
standards.

In our opinion, management's assertion that Mellon  Mortgage   Company  complied
with the aforementioned minimum servicing standards as of and for the year ended
December 31, 1995    is    fairly   stated,  in   all    material      respects.

/s/KPMG Peat Marwick LLP


January 26, 1996



(logo)Member Firm of
Klynveld Peat Marwick Goerdeler

EX-99.3(A)

             (logo)MELLON MORTGAGE                     Mellon Mortgage Company
             COMPANY                                   3100 Travis Street
                                                       Houston, Texas 77OO6-3699
                                               
                                                       Mailing Address:
NORWEST BANK MINNESOTA, N.A.                           P.O. Box 2885
11000 Broken Land Parkway, 2nd Floor                   Houston, Texas 77252-2885
Columbia, Maryland 21044-3562                  
Attn: Vice President Master Servicing Department       713 525 8000

RE:     Officer's Certificate

Dear Master Servicer:

The undersigned  Officer  certifies   the  following  for  the 1995 fiscal year:

(A) I have reviewed the activities and  performances  of the Servicer during the
preceding  fiscal  year  under  the  terms  of the  Servicing  Agreement,  Trust
Agreement Pooling and Servicing  Agreement and/or Servicer Guide and to the best
of my knowledge, the Servicer has fulfilled all of its duties,  responsibilities
or obligations under these Agreements throughout such year, or if there has been
a  default  or   failure  of  the   Servicer   to  perform   any  such   duties,
responsibilities  or  obligations,  a description of each default or failure and
the nature and status thereof has been reported to Norwest Bank Minnesota, N.A.;

(B) I have confirmed that  the  Servicer  is currently an approved FNMA or FHLMC
Servicer in good standing;                                                    

(C) I have confirmed  that the Fidelity Bond, the Errors and Omissions Insurance
Policy and any other bonds required under the terms of the Servicing  Agreement,
Trust  Agreement,  Pooling and Servicing  Agreement and/or Servicer Guide are in
full force and effect;

(D) All premiums for each Hazard  Insurance  Policy,  Flood Insurance Policy (if
applicable) and Primary Mortgage  Insurance Policy (if applicable), with respect
to each Mortgaged Property, have been paid and that all  such insurance policies
are in full force and effect;

(E) All real  estate  taxes,  governmental  assessments  and any other  expenses
accrued and due, that if not paid  could result in a lien or  encumbrance on any
Mortgaged  Property,  have been  paid, or if any such costs or expenses have not
been paid with respect to any Mortgaged Property, the reason for the non-payment
has been reported to Ryland Mortgage Company;

(F) All Custodial Accounts have been reconciled  and  are  properly  funded; and

(G) All annual reports of Foreclosure  and  Abandonment  of  Mortgaged  Property
required  per  section   6050J  and  6050P  of    the  Internal   Revenue  Code,
respectively, have been prepared and filed.

Certified by:

/s/Debra Braun
Officer Debra Braun

Vice President
Title

7/17/96
Date