I agree w/ Doug, check the bottom paint first, if a copper based paint was used that needs to come off immediately. If its not the paint my next question would be: Do you keep the boat plugged in? at a marina or private dock? If so it may not be your boat. if another boat is putting voltage in the water the shortest path to ground may be through your boat. If not check for bad wiring, bad connections, old equipment with bad grounds, etc. Another reference is www.proboat.com this is a trade magazine for all the marine industry and you can search past issues for specifics. Also Nigel Calder has very good reference books on this subject.