OFFICER'S CERTIFICATE PURSUANT TO SECTION 3.18 OF THE POOLING AND SERVICING
                    AGREEMENT DATED AS OF DECEMBER 20, 2001


                    BANK OF AMERICA MORTGAGE SECURITIES, INC.
                       MORTGAGE PASS-THROUGH CERTIFICATES
                                 SERIES 2001-12


I, Robert S. O'Neill, Senior Vice President of Bank of America, N.A., the
Servicer in connection with Mortgage Pass-Through Certificates Series 2001-12,
do hereby certify that (i) a review of the activities of the Servicer during the
preceding calendar year and of its performance under the Agreement, has been
made under my supervision, (ii) to the best of my knowledge, based on such
review, the Servicer has fulfilled in all material aspects its obligations under
the Agreement throughout such year.

Certified on this 4th day of March 2003.

                                    BANK OF AMERICA, N.A.


                                       By:
                                          ------------------------------
                                            Name:  Robert S. O'Neill
                                            Title: Senior Vice President


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