| **EXHIBIT 32.2**                                                                                                                                                                                                                                                                                                                                                                                                                     |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| **CERTIFICATION PURSUANT TO**                                                                                                                                                                                                                                                                                                                                                                                                        |
| **18 U.S.C. SECTION 1350,**                                                                                                                                                                                                                                                                                                                                                                                                          |
| **AS ADOPTED PURSUANT TO**                                                                                                                                                                                                                                                                                                                                                                                                           |
| **SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002**                                                                                                                                                                                                                                                                                                                                                                                    |
| * *                                                                                                                                                                                                                                                                                                                                                                                                                             |
| In connection with the Quarterly Report of Church Loans & Investments Trust (the Trust) on Form 10-QSB for the period ending December 31, 2005, as filed with the Securities and Exchange Commission on the date hereof (the Report), I, Robert E. Fowler, Senior Vice President and CFO of the Trust, certify, pursuant to 18 U.S.C. section 1350, as adopted pursuant to section 906 of the Sarbanes-Oxley Act of 2002, that:: |
| (1)                                                                                                                                                                                                                                                                                                                                                                                                                                  | The Report fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934; and |
| (2)                                                                                                                                                                                                                                                                                                                                                                                                                                  | The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Trust. |
| DATE:                                                                                                                                                                                                                                                                                                                                                                                                                                | 2/14/2006 |   | BY: | /s/ Robert E. Fowler |  
 

 

 

 

 

Robert E. Fowler

 
 

 

 

 

Senior Vice President & CFO

 
 

 

 

 

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