Ex-31.1


          Servicer's Sarbanes-Oxley Certification (1998 Transactions)

                   BANK OF AMERICA MORTGAGE SECURITIES, INC.,
                      MORTGAGE PASS-THROUGH CERTIFICATES,
                      SERIES SET FORTH ON EXHIBIT I HERETO



      I, Gary K. Bettin, a Senior Vice President of Bank of America, N.A.,
certify that:

1.    I have reviewed the annual reports on Form 10-K for the calendar year 2003
      and all monthly current reports on Form 8-K containing a copy of the
      monthly statement to certificateholders (the "Distribution Date
      Statements") delivered pursuant to Section 5.04(a) of the Pooling and
      Servicing Agreements listed on Exhibit I hereto (each, an "Agreement")
      filed in respect of periods included in the year covered by such annual
      reports of the trusts (each, a "Trust") formed pursuant to such
      Agreements;

2.    Based on my knowledge, with respect to each Trust, the information in
      these reports, taken as a whole, does not contain any untrue statement of
      a material fact or omit to state a material fact necessary to make the
      statements made, in light of the circumstances under which such statements
      were made, not misleading as of the last day of the period covered by such
      annual report;

3.    Based on my knowledge, the distribution or servicing information required
      to be provided to the trustee by each master servicer under each Agreement
      for inclusion in the related Trust's Distribution Date Statements is
      included in these reports;

4.    I am responsible for reviewing the activities performed by each master
      servicer under each Agreement and based upon my knowledge and the annual
      compliance review required under each Agreement, and except as disclosed
      in the reports, each master servicer has fulfilled its obligations under
      each Agreement;

5.    The reports disclose all significant deficiencies relating to each master
      servicer's compliance with the minimum servicing standards, based upon the
      reports provided by each independent public accountant after conducting a
      review in compliance with the Uniform Single Attestation Program for
      Mortgage Bankers or similar procedure as set forth in the Agreement that
      is included in these reports; and

6.    In giving the certifications above, I have reasonably relied on
      information provided to me by the following unaffiliated party: The Bank
      of New York.


                                             By: /s/ Gary K. Bettin
                                                 -------------------------------
                                                 Name:  Gary K. Bettin
                                                 Title:  Senior Vice President
<PAGE>

                                                                       EXHIBIT I

<TABLE>
<CAPTION>
PARTIES TO AGREEMENT                                   DATE OF AGREEMENT                  SERIES
===================================================  =====================              ==========
<S>                                                       <C>                             <C>
Bank of America Mortgage Securities, Inc.,
Bank of America, N.A. and The Bank of New York            June 1, 1998                    1998-3

Bank of America Mortgage Securities, Inc.,
Bank of America, N.A. and The Bank of New York            July 1, 1998                    1998-4

Bank of America Mortgage Securities, Inc.,
Bank of America, N.A. and The Bank of New York            September 1, 1998               1998-5

Bank of America Mortgage Securities, Inc.,
Bank of America, N.A. and The Bank of New York            November 1, 1998                1998-6

Bank of America Mortgage Securities, Inc.,
Bank of America, N.A., BA Mortgage, LLC
and The Bank of New York                                  December 1, 1998                 1998-7
</TABLE>