CERTIFICATIONS PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

I, Edward L. Jaroski, President of The Capstone Social Ethics & Religious Values
Fund (the "Fund"), certify that:

The N-CSR of the Fund for the period ended March 31, 2004 (the "Report") fully
complies with the requirements of Section 13(a) or 15(d) of the Securities
Exchange Act of 1934; and

The information contained in the Report fairly presents, in all material
respects, the financial condition and results of operations of the Fund.

By:   /s/ Edward L. Jaroski
      -----------------------------------
      President

Date: May 21, 2004

A SIGNED ORIGINAL OF THIS WRITTEN STATEMENT REQUIRED BY SECTION 906, OR OTHER
DOCUMENT AUTHENTICATING, ACKNOWLEDGING, OR OTHERWISE ADOPTING THE SIGNATURE THAT
APPEARS IN TYPED FORM WITHIN THE ELECTRONIC VERSION OF THIS WRITTEN STATEMENT
REQUIRED BY SECTION 906, HAS BEEN PROVIDED TO INCAP SERVICE COMPANY AND WILL BE
RETAINED BY INCAP SERVICE COMPANY AND FURNISHED TO THE SECURITIES AND EXCHANGE
COMMISSION OR ITS STAFF UPON REQUEST.

      CERTIFICATIONS PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

      I, Carla Homer, Treasurer of The Capstone Social Ethics & Religious Values
      Fund the "Fund"), certify that:

      The N-CSR of the Fund for the period ended March 31, 2004 (the "Report")
      fully complies with the requirements of Section 13(a) or 15(d) of the
      Securities Exchange Act of 1934; and

The information contained in the Report fairly presents, in all material
respects, the financial condition and results of operations of the Fund.

By:   /s/ Carla Homer
      -----------------------------------
      Treasurer

Date: May 21, 2004

A SIGNED ORIGINAL OF THIS WRITTEN STATEMENT REQUIRED BY SECTION 906, OR OTHER
DOCUMENT AUTHENTICATING, ACKNOWLEDGING, OR OTHERWISE ADOPTING THE SIGNATURE
THATAPPEARS IN TYPED FORM WITHIN THE ELECTRONIC VERSION OF THIS WRITTEN
STATEMENT REQUIRED BY SECTION 906, HAS BEEN PROVIDED TO INCAP SERVICE COMPANY
AND WILL BE RETAINED BY INCAP SERVICE COMPANY AND FURNISHED TO THE SECURITIES
AND EXCHANGE COMMISSION OR ITS STAFF UPON REQUEST.