Exhibit 31.01
                                  -------------

         Certification  of Chief Executive  Officer and Chief Financial  Officer
Pursuant to Rule 13a-14

         I, Buster Williams, Jr., certify that:

         1. I have reviewed this  quarterly  report on Form 10-QSB of Bottomline
Home Loan, Inc.;

         2. Based on my  knowledge,  this  report  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 with respect to the period covered by this report;

         3. Based on my knowledge, the financial statements, and other financial
information included in this report, fairly present in all material respects the
financial condition,  results of operations and cash flows of the small business
issuer as of, and for, the periods presented in this report;

         4.  I  am  responsible  for  establishing  and  maintaining  disclosure
controls  and  procedures  (as  defined  in  Exchange  Act Rules  13a-15(e)  and
15d-15(e)) for the small business issuer and have:

              (a) designed such disclosure  controls and  procedures,  or caused
         such  disclosure  controls  and  procedures  to be  designed  under  my
         supervision,  to ensure that material information relating to the small
         business issuer, including its consolidated subsidiaries, is made known
         to me by others within those entities,  particularly  during the period
         in which this report is being prepared;

              (b) evaluated the  effectiveness  of the small  business  issuer's
         disclosure  controls  and  procedures  and  presented in this report my
         conclusions  about the  effectiveness  of the  disclosure  controls and
         procedures, as of the end of the period covered by this report based on
         such evaluation; and

              (c)  disclosed  in this  report any  change in the small  business
         issuer's internal control over financial reporting that occurred during
         the small  business  issuer's  most recent  fiscal  quarter  (the small
         business  issuer's  fourth  fiscal  quarter  in the  case of an  annual
         report)  that has  materially  affected,  or is  reasonably  likely  to
         materially  affect,  the small business  issuer's internal control over
         financial reporting; and

         5. I have  disclosed,  based on my most recent  evaluation  of internal
control over financial  reporting,  to the small business  issuer's auditors and
the audit  committee  of the small  business  issuer's  board of  directors  (or
persons performing the equivalent functions):

              (a) all significant  deficiencies  and material  weaknesses in the
         design or operation of internal control over financial  reporting which
         are reasonably  likely to adversely affect the small business  issuer's
         ability to record, process, summarize and report financial information;
         and

              (b) any fraud,  whether or not material,  that involves management
         or other  employees who have a significant  role in the small  business
         issuer's internal control over financial reporting.

Date: February 28, 2005


/s/ Buster Williams, Jr.
- ------------------------
Buster Williams, Jr.
Chief Executive Officer and Chief Financial Officer