|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 June 30, 2005, as filed with the Securities and Exchange Commission on the date hereof (the Report), I, Robert 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)                                                                                                                                                                                                                                                                                                                                                                                                                     
|(2)                                                                                                                                                                                                                                                                                                                                                                                                                     
|DATE:                                                                                                                                                                                                                                                                                                                                                                                                                   
|                                                                                                                                                                                                                                                                                                                                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                        
|                                                                                                                                                                                                                                                                                                                                                                                                                        































> -22-