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

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

1.   The  N-CSR  of the  Fund for the  period  ended  September  30,  2003  (the
     "Report") fully complies with the requirements of Section 13(a) or 15(d) of
     the Securities Exchange Act of 1934; and

2.   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:    December 15, 2003

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.



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


     I, Linda G.  Giuffre,  Secretary/Treasurer  of Capstone  Social  Ethics and
Religious Values Fund (the "Fund"), certify that:

1.   The  N-CSR  of the Fund for the  period  ended  September  30,  2003,  (the
     "Report") fully complies with the requirements of Section 13(a) or 15(d) of
     the Securities Exchange Act of 1934; and

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


By:      /s/ Linda G. Giuffre
         -----------------------------------
         Secretary/Treasurer

Date:    December 15, 2003

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.