OAKWOOD ACCEPTANCE CORPORATION
                          ANNUAL OFFICER'S CERTIFICATE

                        OAKWOOD MORTGAGE INVESTORS, INC.
                  SENIOR/SUBORDINATED PASS-THROUGH CERTIFICATES
                                  SERIES 1998-B

Pursuant  to Section  3.13(a) of the  Standard  Terms to Pooling  and  Servicing
Agreement  (November  1995  Edition)  which is  incorporated  in the Pooling and
Servicing  Agreement dated May 1, 1998 among Oakwood Mortgage  Investors,  Inc.,
Oakwood  Acceptance  Corporation  (the  "Servicer")  and  PNC  Bank,  N.A.,  the
undersigned  officer  of the  Servicer  hereby  certifies  that a review  of the
activities of the Servicer  during the period October 1, 1997 through  September
30, 1998 and of its  performance  under the Pooling and Servicing  Agreement has
been made under his supervision and to the best of his knowledge,  based on such
review,  the Servicer has  fulfilled all its  obligations  under the Pooling and
Servicing Agreement through such period.



By:  /s/ Douglas R. Muir

Name:  Douglas R. Muir

Title:  Vice President

Date:  September 30, 1998