Ex-99.906CERT

                                 Certifications

            Pursuant to 18 U.S.C. ss. 1350, the undersigned officer of the
Clearwater Investment Trust (the "Registrant"), hereby certifies, to the best of
his knowledge, that the Registrant's report on Form N-CSR for the period ended
June 30, 2003 (the "Report") fully complies with the requirements of Section
13(a) or 15(d), as applicable, of the Securities Exchange Act of 1934, as
amended, and that the information contained in the Report fairly presents, in
all material respects, the financial condition and results of operations of the
Registrant.

By:   /s/Philip W. Pascoe
      ------------------------------------
      Philip W. Pascoe
      President
      (Chief Executive Officer)

Date: July 23, 2004
      ------------------------------------

            This certification is being furnished solely pursuant to 18 U.S.C.
Section 1350 and is not being filed as part of the Report or as a separate
disclosure document.

            A signed original of this written statement required by Section 906
has been provided to the Clearwater Investment Trust and will be retained by the
Clearwater Investment Trust and furnished to the Securities and Exchange
Commission of its staff upon request



            Pursuant to 18 U.S.C. ss. 1350, the undersigned officer of the
Clearwater Investment Trust (the "Registrant"), hereby certifies, to the best of
his knowledge, that the Registrant's report on Form N-CSR for the period ended
June 30, 2003 (the "Report") fully complies with the requirements of Section
13(a) or 15(d), as applicable, of the Securities Exchange Act of 1934, as
amended, and that the information contained in the Report fairly presents, in
all material respects, the financial condition and results of operations of the
Registrant.

By:   /s/Philip W. Pascoe
      ------------------------------------
      Philip W. Pascoe
      Treasurer
      (Chief Financial Officer)

Date: July 23, 2004
      ------------------------------------

            This certification is being furnished solely pursuant to 18 U.S.C.
Section 1350 and is not being filed as part of the Report or as a separate
disclosure document.

            A signed original of this written statement required by Section 906
has been provided to the Clearwater Investment Trust and will be retained by the
Clearwater Investment Trust and furnished to the Securities and Exchange
Commission of its staff upon request