SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

FORM 8-K

CURRENT REPORT

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

Date of Report (date of earliest event report July 15, 2003

Mid-State Trust XI
(Issuer in respect of Mid-State Trust XI Asset-Backed Bonds
(Exact name of registrant as specified in its charter)


Delaware	333-64896 -01	59-0945134

State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer ID Number)

c/o Wachovia Bank, National Association, 401 South Tryon Street — NC1179 Charlotte, NC 28288

(Address of principal executive officer)

Registrant’s Telephone Number, including area code: (704) 383-9568

(Former name or former address, if changed since last report)

Item 5 See the monthly statement to Bondholders attached as Exhibit 20.1 hereto reflecting the required information for the July 15, 2003 payment to the Mid-State Trust XI Asset-Backed Bonds.

Item 7 Financial Statements and Exhibits


Item 601 (a) of Regulation
S-K Exhibit Number

20.1		Monthly statement to holders of the Mid-State Trust XI Asset-Backed Bonds reflecting the July 15, 2003 Payment Date.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on behalf of the Mid-State Trust XI Asset-Backed Bonds by the undersigned thereunto duly authorized.

WACHOVIA BANK, NATIONAL ASSOCIATION
As Indenture Trustee and on behalf of
Mid-State Trust XI Asset-Backed Bonds


By: \s\ Robert Ashbaugh Name: Robert Ashbaugh Title: Vice President		Dated: July 31, 2003

Exhibit Index


20.1		Monthly statement to holders of Mid-State Trust XI Asset-Backed Bonds relating to the July 15, 2003 Payment Date.

MID STATE HOMES TRUST XI 8-K