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                                       Exhibit B: FORM N-CSR CERTIFICATION

          I, Timothy Ashburn, certify that:

          1. I have  reviewed  this  report on Form  N-CSR of the  Institutional
     Short-Term Government Bond Fund;

          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,  changes in net
     assets, and cash flows (if the financial statements are required to include
     a statement  of cash flows) of the  registrant  as of, and for, the periods
     presented in this report.



          Date: 3/3/2003                         /s/ Timothy Ashburn
                                                Timothy Ashburn, President

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                                      Exhibit B: FORM N-CSR CERTIFICATION

          I, Thomas Napurano, certify that:

          1. I have  reviewed  this  report on Form  N-CSR of the  Institutional
     Short-Term Government Bond Fund;

          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,  changes in net
     assets, and cash flows (if the financial statements are required to include
     a statement  of cash flows) of the  registrant  as of, and for, the periods
     presented in this report.



          Date:  3/3/2003               /s/ Thomas  Napurano
                                  Thomas  Napurano,  Chief  Financial Officer
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