***EXHIBIT 32.2***

**CERTIFICATION PURSUANT TO18 U.S.C. SECTION 1350,AS ADOPTED PURSUANT TOSECTION 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,  2003,  as filed with the  Securities  and  Exchange  Commission  on the date  hereof (theReport), I, Robert Fowler,  Senior Vice President of the Trust, certify,  pursuant to 18 U.S.C. section 1350, as adoptedpursuant to section 906 of the Sarbanes-Oxley Act of 2002, that: |
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| (1)                                                                                                                                                                                                                                                                                                                                                                                                                                  | The Report fully complies with the  requirements  of section 13(a) or 15(d) of the  Securities  Exchange Act       of 1934; and |
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| (2)                                                                                                                                                                                                                                                                                                                                                                                                                                  | The information contained in the Report fairly presents,  in all material respects,  the financial condition       and results of operations of the Trust. |
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