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                                   ITEM 16(16)
                               POWERS OF ATTORNEY
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                               POWER OF ATTORNEY

     KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned, a Director of the
OneAmerica  Funds,  Inc.,  a  Maryland  corporation,  registered  as an open end
company under the Investment  Company Act of 1940, as amended ("1940 Act"), (the
"Fund"),  does hereby constitute and appoint John C. Swhear and Thomas M. Zurek,
each of them his or her true and  lawful  attorney  and  agent to do any and all
acts and things and to execute any and all  instruments  which said attorney and
agent may deem  necessary  or  advisable  to enable the Fund to comply  with the
Securities Act of 1933, as amended  ("Securities  Act"), 1940 Act and any rules,
regulations and requirements of the Securities and Exchange  Commission ("SEC"),
in connection  with the  registration  under the Securities Act of the shares of
common  stock  of the  Fund  (the  "Securities")  and  in  connection  with  the
registration of the Fund under the 1940 Act, including specifically, but without
limiting the generality of the foregoing, the power and authority to sign for on
behalf of the Fund,  and the name of the  undersigned as Director or an officer,
as  appropriate,  of the Fund to a  Registration  Statement or to any  amendment
thereto filed with the SEC with respect to the Securities or with respect to the
Fund and to any  instrument or document filed as part of, as an exhibit to or in
connection with any Registration Statement or amendment.

IN WITENESS  WHEREOF,  the  undersigned  has caused this Power of Attorney to be
executed.

                                        Date: 9-9-2003

                                        /s/ Jean Wojtowicz
                                        ----------------------------
                                        Jean Wojtowicz

STATE OF INDIANA )
                 ) SS:
COUNTY OF MARION )

     Before me,  Jody Arend,  a Notary  Public in and for said County and State,
this 9th day of September,  2003, personally appeared Jean Wojtowicz, who signed
her mark on the foregoing  Power of Attorney,  and who declared her execution of
the  foregoing  Power of Attorney to be her free and  voluntary act and deed for
the purposes expressed therein.

                                        /s/ Jody T.Arend
                                        ----------------------------
                                        Notary Public

My commission expires: 7-31-09
County of residence: Boone County

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