POWER OF ATTORNEY


         KNOW ALL  PERSONS BY THESE  PRESENTS  that the person  whose  signature
appears below constitutes and appoints Robert G. Same, Woodrow E Eno, and Steven
J. Fredricks as true and lawful  attorney-in-fact  and agent, with full power of
substitution  and  resubstitution,  for such person and in such  person's  name,
place and stead, in any and all capacities, to sign any or all amendments to the
Registration  Statement on Form N1-A for The AAL Mutual Funds, or any other Form
as may be required by the Securities and Exchange  Commission,  and to file each
and any of them,  with all exhibits  thereto,  and other documents in connection
therewith,  with the  Securities  and Exchange  Commission,  granting  unto said
attorney-in-fact  and agent full power and  authority to do and perform each and
every  act and thing  requisite  and  necessary  to be done to all  intents  and
purposes  as such  person  might or could do in  person,  hereby  ratifying  and
confirming  all that said  attorney-in-fact  and  agent,  or his  substitute  or
substitutes, may lawfully do or cause to be done by virtue thereof.



/s/ Lawrence M. Woods
---------------------------------
Lawrence M. Woods
Trustee
THE AAL MUTUAL FUNDS




                                POWER OF ATTORNEY


         KNOW ALL  PERSONS BY THESE  PRESENTS  that the person  whose  signature
appears below constitutes and appoints Robert G. Same, Woodrow E Eno, and Steven
J. Fredricks as true and lawful  attorney-in-fact  and agent, with full power of
substitution  and  resubstitution,  for such person and in such  person's  name,
place and stead, in any and all capacities, to sign any or all amendments to the
Registration  Statement on Form N1-A for The AAL Mutual Funds, or any other Form
as may be required by the Securities and Exchange  Commission,  and to file each
and any of them,  with all exhibits  thereto,  and other documents in connection
therewith,  with the  Securities  and Exchange  Commission,  granting  unto said
attorney-in-fact  and agent full power and  authority to do and perform each and
every  act and thing  requisite  and  necessary  to be done to all  intents  and
purposes  as such  person  might or could do in  person,  hereby  ratifying  and
confirming  all that said  attorney-in-fact  and  agent,  or his  substitute  or
substitutes, may lawfully do or cause to be done by virtue thereof.



/s/ John H. Pender
---------------------------------
John H. Pender
Trustee
THE AAL MUTUAL FUNDS





                                POWER OF ATTORNEY


         KNOW ALL  PERSONS BY THESE  PRESENTS  that the person  whose  signature
appears below constitutes and appoints Robert G. Same, Woodrow E Eno, and Steven
J. Fredricks as true and lawful  attorney-in-fact  and agent, with full power of
substitution  and  resubstitution,  for such person and in such  person's  name,
place and stead, in any and all capacities, to sign any or all amendments to the
Registration  Statement on Form N1-A for The AAL Mutual Funds, or any other Form
as may be required by the Securities and Exchange  Commission,  and to file each
and any of them,  with all exhibits  thereto,  and other documents in connection
therewith,  with the  Securities  and Exchange  Commission,  granting  unto said
attorney-in-fact  and agent full power and  authority to do and perform each and
every  act and thing  requisite  and  necessary  to be done to all  intents  and
purposes  as such  person  might or could do in  person,  hereby  ratifying  and
confirming  all that said  attorney-in-fact  and  agent,  or his  substitute  or
substitutes, may lawfully do or cause to be done by virtue thereof.



/s/ F. Gregory Campbell
---------------------------------
F. Gregory Campbell
Trustee
THE AAL MUTUAL FUNDS




                                POWER OF ATTORNEY


         KNOW ALL  PERSONS BY THESE  PRESENTS  that the person  whose  signature
appears below constitutes and appoints Robert G. Same, Woodrow E Eno, and Steven
J. Fredricks as true and lawful  attorney-in-fact  and agent, with full power of
substitution  and  resubstitution,  for such person and in such  person's  name,
place and stead, in any and all capacities, to sign any or all amendments to the
Registration  Statement on Form N1-A for The AAL Mutual Funds, or any other Form
as may be required by the Securities and Exchange  Commission,  and to file each
and any of them,  with all exhibits  thereto,  and other documents in connection
therewith,  with the  Securities  and Exchange  Commission,  granting  unto said
attorney-in-fact  and agent full power and  authority to do and perform each and
every  act and thing  requisite  and  necessary  to be done to all  intents  and
purposes  as such  person  might or could do in  person,  hereby  ratifying  and
confirming  all that said  attorney-in-fact  and  agent,  or his  substitute  or
substitutes, may lawfully do or cause to be done by virtue thereof.



/s/ Richard L. Gady
---------------------------------
Richard L. Gady
Trustee
THE AAL MUTUAL FUNDS




                                POWER OF ATTORNEY


         KNOW ALL  PERSONS BY THESE  PRESENTS  that the person  whose  signature
appears below constitutes and appoints Robert G. Same, Woodrow E Eno, and Steven
J. Fredricks as true and lawful  attorney-in-fact  and agent, with full power of
substitution  and  resubstitution,  for such person and in such  person's  name,
place and stead, in any and all capacities, to sign any or all amendments to the
Registration  Statement on Form N1-A for The AAL Mutual Funds, or any other Form
as may be required by the Securities and Exchange  Commission,  and to file each
and any of them,  with all exhibits  thereto,  and other documents in connection
therewith,  with the  Securities  and Exchange  Commission,  granting  unto said
attorney-in-fact  and agent full power and  authority to do and perform each and
every  act and thing  requisite  and  necessary  to be done to all  intents  and
purposes  as such  person  might or could do in  person,  hereby  ratifying  and
confirming  all that said  attorney-in-fact  and  agent,  or his  substitute  or
substitutes, may lawfully do or cause to be done by virtue thereof.



/s/ Edward W. Smeds
---------------------------------
Edward W. Smeds
Trustee
THE AAL MUTUAL FUNDS






                                POWER OF ATTORNEY


         KNOW ALL  PERSONS BY THESE  PRESENTS  that the person  whose  signature
appears  below  constitutes  and  appoints  Robert G. Same,  Woodrow E. Eno, and
Steven J.  Fredricks as true and lawful  attorney-in-fact  and agent,  with full
power of substitution and  resubstitution,  for such person and in such person's
name, place and stead, in any and all capacities,  to sign any or all amendments
to the  Registration  Statement  on Form N1-A for The AAL Mutual  Funds,  or any
other Form as may be required by the Securities and Exchange Commission,  and to
file each and any of them,  with all exhibits  thereto,  and other  documents in
connection therewith, with the Securities and Exchange Commission, granting unto
said  attorney-in-fact and agent full power and authority to do and perform each
and every act and thing  requisite  and  necessary to be done to all intents and
purposes  as such  person  might or could do in  person,  hereby  ratifying  and
confirming  all that said  attorney-in-fact  and  agent,  or his  substitute  or
substitutes, may lawfully do or cause to be done by virtue thereof.



/s/ John O. Gilbert
---------------------------------
John O. Gilbert
Trustee
THE AAL MUTUAL FUNDS