Servicer's Sarbanes-Oxley Certification
                       (2001 Transactions - 2001 Reports)

                   BANK OF AMERICA MORTGAGE SECURITIES, INC.,
                       MORTGAGE PASS-THROUGH CERTIFICATES,
                      SERIES SET FORTH ON EXHIBIT I HERETO

            I, Gary K. Bettin, a Senior Vice President of Bank of America, N.A.,
certify that:

1.    I have reviewed the annual reports on Form 10-K for the calendar year 2001
      and all reports on Form 8-K containing the statements to
      certificateholders set forth in Section 5.04(a) of the Pooling and
      Servicing Agreements listed on Exhibit I hereto (the "Distribution Date
      Statements") filed in respect of periods included in the year covered by
      such annual reports of the trusts (each, a "Trust") formed pursuant to
      such Pooling and Servicing Agreements;

2.    Based on my knowledge, with respect to each Trust, the information in
      these reports, taken as a whole, 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 as of the last day of the period covered by such
      annual report; and

3.    Based on my knowledge, the servicing information required to be provided
      to the trustee by the servicer under each Pooling and Servicing Agreement
      for inclusion in the related Trust's Distribution Date Statements is
      included in these reports.


                                        BANK OF AMERICA, N.A.,
                                           as Servicer

                                        By:/s/ Gary K. Bettin
                                           -------------------------------------
                                           Name:  Gary K. Bettin
                                           Title: Senior Vice President



                                                                       EXHIBIT I

                PARTIES                    DATE OF POOLING         SERIES
                                              AGREEMENT
================================================================================

Bank of America Mortgage Securities,    December 20, 2001          2001-H
Inc., Bank of America, N.A. and The
Bank of New York

Bank of America Mortgage Securities,    December 20, 2001          2001-12
Inc., Bank of America, N.A. and The
Bank of New York