Exhibit 99.11


                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Annual Report of American Tax Credit Trust, a Delaware
statutory business trust Series I (the "Company") on Form 10-K for the period
ending March 30, 2003 as filed with the Securities and Exchange Commission on
the date hereof (the "Report"), I, Neal Ludeke, Chief Financial Officer of
Richman American Credit Corp., Manager of the Company, certify, pursuant to 18
U.S.C. (S) 1350, as adopted pursuant to (S) 906 of the Sarbanes-Oxley Act of
2002, that:

      (1)   The Report fully complies with the requirements of section 13(a) or
            15(d) of the Securities Exchange Act of 1934; and

      (2)   The information contained in the Report fairly presents, in all
            material respects, the financial condition and results of operations
            of the Company.



/s/  Neal Ludeke
- ----------------------------------
by: Neal Ludeke
Chief Financial Officer of Richman
American Credit Corp., Manager
of the Company
June 30, 2003