Exhibit (b)


                                 CERTIFICATIONS


     I, James A. Casselberry, Jr., certify that:


     1. I have reviewed this report on Form N-CSR of Malachi  Millennium  Income
Trust;


     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; and


     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: May 28, 2003                /s/ James A. Casselberry, Jr.
                                  -----------------------------------
                                  James A. Casselberry, Jr., President






                                 CERTIFICATIONS


     I, Mark J. Seger, certify that:


     1. I have reviewed this report on Form N-CSR of Malachi  Millennium  Income
Trust;


     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; and


     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: May 26, 2003                /s/ Mark J. Seger
                                  -----------------------------------
                                   Mark J. Seger, Treasurer