SMT ON IFR APCH TO UNCONTROLLED ARPT SAW SMA PASS OVERHEAD IN VERY CLSOE PROX JUST AS THE SMT CLEARED THE BASE OF THE CLOUDS.

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LCL IFR CONDITIONS. ON LOC RWY 36 APCH OCF; APPROX 2 1/2-3 MI S OF OCF. PASSED OM INBND. STARTED DSCNT TO 620' MSL; MINIMUMS. BROKE OUT OF CEILING AT 820' MSL; CONCURRENT WITH '200 ABOVE MINIMUMS' CALL BY COPLT. IMMEDIATELY FOLLOWING CALL; CREW GLIMPSED AN SMA Y GO OVERHEAD IN BASE OF THE CLOUDS; EBND IN A DSCNT; PERPENDICULAR TO OUR FLT PATH. SMA Y THEN MADE A HARD LEFT TURN (I GUESS TO GET A LOOK AT US). THEN WE LOST SIGHT OF THEM AS WE CONTINUED INBND WITH RWY IN SIGHT. LANDED W/O INCIDENT. SMA Y HAD CROSSED OVERHEAD AT NO MORE THAN 30' ABOVE US. WE DID NOT GET ITS N #. WE WERE STILL IN VOICE CONTACT WITH ZJX; BUT HE WAS UNABLE TO SEE US (OR THE OTHER ACFT) ON RADAR DUE TO OUR ALT. WE WERE STILL ON IFR SQUAWK. IF ACFT HAD BEEN SPOTTED A SECOND OR 2 EARLIER AND EVASIVE ACTION INITIATED ON OUR PART; I BELIEVE A COLLISION WOULD HAVE OCCURRED AS MOST ANY ACTION WOULD HAVE RAISED SOME PORTION OF OUR ACFT INTO THE SMA Y FLT PATH. I DO NOT BELIEVE THAT THERE WAS ANY FAULT OR DEVIATION FROM STANDARD PRACTICES OR INSTRUMENT PROCS BY MYSELF; MY COPLT OR ZJX. I FEEL (AS DOES MY COMPANY FLT DEPT) THAT A MVFR-IFR SITUATION AT OCF IS RATHER DANGEROUS DUE TO THE CLOSE PROX OF SEVERAL GRASS ARPTS TO THE LOC 36 APCH. PLT ON THE GND AT OCF HAD OBSERVED SMA Y CIRCLING IN THE AREA SW OF OCF. RPT WAS FILED BY ME OVER THE TELEPHONE WITH GAINESVILLE FSS SUPVR. I CAN ONLY SPECULATE ON THE EXTREME LEVEL OF STUPIDITY OF A PLT WHO WOULD FLY AROUND IN THE BASE OF THE CLOUDS IN THE AREA OF AN INSTRUMENT APCH FAC. MAYBE HE WAS LOST; BUT THERE WAS PLENTY OF VFR WX IN THE AREA. HE CERTAINLY SHOULDN'T HAVE BEEN WHERE HE WAS FOR ANY REASON. HE ABOUT SENT 9 ON OUR ACFT TO THE GREAT BEYOND!