MELLON BANK HM EQ INST LN TR 1997-1
15-15D, 1998-04-20
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                         SECURITIES AND EXCHANGE COMMISSION
                               Washington D.C.  20549

          FORM 15 - Certification and Notice of Termination of Registration
          under Section 12(g) of the Securities Exchange Act of 1934 or
          Suspension of Duty to File Reports Under Sections 13 and 15(d) of
                         the Securities Exchange Act of 1934.

                          Commission File Number:  333-24453


                      MELLON RESIDENTIAL FUNDING CORPORATION
              (Exact name of registrant as specified in its charter)

         ONE MELLON BANK CENTER, ROOM 410, PITTSBURGH, PENNSYLVANIA  15258
                                  (412) 236-6559
          (Address, including zip code, and telephone number, including area
                  code, of registrant's principal executive offices)

                  HOME EQUITY INSTALLMENT LOAN TRUST 1997-1
               MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-1
     CLASS A-1, CLASS A-2, CLASS A-3, CLASS A-4, CLASS A-5, AND CLASS B
           (Title of each class of securities covered by this Form)

                                       NONE
           (Titles of all other classes of securities for which a
               duty to file reports under section 13(a) or 15(d) remains)


               Please place an X in the box(es) to designate the
               appropriate rule provision(s) relied upon to terminate or
               suspend the duty to file reports:

              Rule 12g-4(a)(1)(i)    [X]     Rule 12h-3(b)(1)(ii)    [X]
              Rule 12g-4(a)(1)(ii)   [ ]     Rule 12h-3(b)(2)(i)     [ ]
              Rule 12g-4(a)(2)(i)    [ ]     Rule 12h-3(b)(2)(ii)    [ ]
              Rule 12g-4(a)(2)(ii)   [ ]     Rule 15d-6              [ ]
              Rule 12h-3(b)(1)(i)    [ ]

          Approximate number of holders of record as of the certification
                                or notice date:  27

                            SEE ATTACHED CERTIFICATION


     Pursuant to the requirements of the Securities Exchange Act of 1934
     (Name of registrant as specified in charter) has caused this
     certification/notice to be signed on its behalf by the undersigned duly
     authorized person.


     DATE:  April 20, 1998       BY:  /s/ Judy L. Gomez
                                 Judy L. Gomez
                                 Assistant Vice President
                                 Bankers Trust Company of California, N.A.


     Instruction:  This form is required by Rules 12g-4, 12h-3 and 15d-6 of the
     General Rules and Regulations under the Securities Exchange Act of 1934.
     The registrant shall file with the Commission three copies of Form 15, one
     of which shall be manually signed.  It may be signed by an officer of the
     registrant, by counsel or by any other duly authorized person.  The name
     and title of the person signing the form shall be typed or printed under
     the signature.


                            ACCOUNT HOLDER CERTIFICATION

                      MELLON RESIDENTIAL FUNDING CORPORATION
                     HOME EQUITY INSTALLMENT LOAN TRUST 1997-1
                  MORTGAGE PASS-THROUGH CERTIFICATES SERIES 1997-1

                        Commission File Number:  333-24453

          I hereby certify that the following information is correct:

                                         CERTIFICATE HOLDERS
              NAME OF SECURITY           AS OF DECEMBER 31, 1997.

			CLASS A-1						5
			CLASS A-2						1
			CLASS A-3						15
			CLASS A-4						4
			CLASS A-5						1
			CLASS B						1


			TOTAL						27


     Date:  April 20, 1998

                                Bankers Trust Company of California, N.A.,
                                not in its individual capacity but solely
                                as a duly authorized agent of the
                                Registrant pursuant to the Pooling and
                                Servicing Agreement dated as of September 30,
                                1997.

                                By:  /s/ Judy L. Gomez
                                Judy L. Gomez
                                Assistant Vice President
                                Bankers Trust Company of California, N.A.



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