EX-31.1


           Servicer's Sarbanes-Oxley Certification (2001 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 certificate holders (the "Distribution Date Statements")
    delivered pursuant to Section 5.04(b) 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, 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 this annual report;

3.  Based on my knowledge, the distribution or servicing information required to
    be provided to the trustee by the 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 the 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, the servicer has fulfilled its obligations under each Agreement;

5.  The reports disclose all significant deficiencies relating to the 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 parties: The Bank of New York
    and Wells Fargo Bank Minnesota, National Association.


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


<PAGE>


                                    EXHIBIT I


PARTIES                                    DATE OF POOLING AGREEMENT     SERIES

Bank of America Mortgage                   January 25, 2001              2001-1
Securities, Inc., Bank of America,
N.A. and The Bank of New York

Bank of America Mortgage                   February 22, 2001             2001-2
Securities, Inc., Bank of America,
N.A. and The Bank of New York

Bank of America Mortgage                   March 27, 2001                2001-3
Securities, Inc., Bank of America,
N.A. and The Bank of New York

Bank of America Mortgage                   March 29, 2001                2001-4
Securities, Inc., Bank of America,
N.A. and The Bank of New York

Bank of America Mortgage                   April 24, 2001                2001-A
Securities, Inc., Bank of America,
N.A. and The Bank of New York

Bank of America Mortgage                   April 24, 2001                2001-5
Securities, Inc., Bank of America,
N.A. and The Bank of New York

Bank of America Mortgage                   May 24, 2001                  2001-6
Securities, Inc., Bank of America,
N.A. and The Bank of New York

Bank of America Mortgage                   May 29, 2001                  2001-B
Securities, Inc., Bank of America,
N.A. and The Bank of New York

Bank of America Mortgage                   June 26, 2001                 2001-7
Securities, Inc., Bank of America,
N.A. and The Bank of New York

Bank of America Mortgage                   June 27, 2001                 2001-C
Securities, Inc., Bank of America,
N.A. and The Bank of New York

Bank of America Mortgage                   July 24, 2001                 2001-8
Securities, Inc., Bank of America,
N.A. and The Bank of New York

Bank of America Mortgage                   July 26, 2001                 2001-D
Securities, Inc., Bank of America,
N.A. and The Bank of New York

Bank of America Mortgage                   August 23, 2001               2001-9
Securities, Inc., Bank of America,
N.A. and The Bank of New York

Bank of America Mortgage                   August 28, 2001               2001-E
Securities, Inc., Bank of America,
N.A. and The Bank of New York

Bank of America Mortgage                   September 25, 2001            2001-10
Securities, Inc., Bank of America,
N.A. and The Bank of New York

Bank of America Mortgage                   October 23, 2001              2001-F
Securities, Inc., Bank of America,
N.A. and The Bank of New York

Bank of America Mortgage                   November 27, 2001             2001-G
Securities, Inc., Bank of America,
N.A. and The Bank of New York

Bank of America Mortgage                   November 27, 2001             2001-11
Securities, Inc., Bank of America,
N.A. and The Bank of New York

Bank of America Mortgage                   December 20, 2001             2001-H
Securities, Inc., Bank of America,
N.A. and The Bank of New York

Bank of America Mortgage                   December 20, 2001             2001-12
Securities, Inc., Bank of America,
N.A. and The Bank of New York