Exhibit(b)

     Certification Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
        (subsections (a) and (b) of Section 1350, Chapter 63 of Title 18,
                               United States Code)

In connection with the attached Report of Pearl Mutual Funds (the "Funds") on
Form NCSR to be filed with the Securities and Exchange Commission (the
"Report"), each of the undersigned officers of the Funds does hereby certify
that, to the best of such officer's knowledge:

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 as of, and for the periods, presented in the Report.

Dated: September 1, 2004


/s/ Robert H. Solt
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Robert H. Solt
Executive Vice President and
Chief Financial Officer

Dated: September 1, 2004


/s/ David M. Stanley
- ---------------------------------------
David M. Stanley
President and Chief Executive Officer