ACACIA NATIONAL VARIABLE ANNUITY SEPARATE ACCOUNT II
N-30D, 1997-09-12
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As Filed with the Securities and Exchange Commission on September 12, 1997.



             Acacia National Variable Annuity Separate Account II
                   of Acacia National Life Insurance Company
                       Semi-Annual Report on Form N-30D


      This semi-annual report on Form N-30D is being filed on behalf of Acacia
National Variable Annuity Separate Account II (File No. 811-07627) for the
period ended June 30, 1997.  Included in this filing is the letter to
policyholders dated August 30, 1997, which accompanied the semi-annual report
as mailed to policyholders on September 5, 1997.  The information required to
be contained in this report is incorporated by reference from the following
previously filed semi-annual reports for the underlying funds of the
registrant: 

1.    The Alger American Fund, File No. 811-05550, Form N-30D, Filed September
      3, 1997, Accession No. 0000930413-97-000507.

2.    Calvert Responsibly Invested Series, File No. 811-03591, Form N-30D,
      Filed August 27, 1997, Accession No. 0000708950-97-000012.

3.    Dreyfus Stock Index Fund, File No. 811-05719, Form N-30D, Filed August
      28, 1997, Accession No. 0000846800-97-000008.

4.    Neuberger & Berman Advisers Management Trust Growth Portfolio, File No.
      811-04255, Form N-30D, Filed August 26, 1997, Accession No. 0000912057-
      97-029065.

5.    Neuberger & Berman Advisers Management Trust Limited Maturity Bond
      Portfolio, File No. 811-04255, Form N-30D, Filed August 26, 1997,
      Accession No. 0000912057-97-029069.

6.    Oppenheimer Variable Account Funds, File No. 811-04108, Form N-30D,
      Filed September 5, 1997, Accession No. 0000912057-97-030047.

7.    The Strong Discovery Fund II, Strong Variable Insurance Funds, Inc.,
      File No. 811-06553, Form N-30D, Filed September 3, 1997, Accession No.
      0000883644-97-000041.

8.    The Strong International Stock Fund II, Strong Variable Insurance Funds,
      Inc., File No. 811-06553, Form N-30D, Filed September 5, 1997, Accession
      No. 0000883644-97-000050.

9.    The Strong Advantage Fund II, Strong Variable Insurance Funds, Inc.,
      File No. 811-06553, Form N-30D, Filed September 3, 1997, Accession No.
      0000883644-97-000039.

10.   The Strong Asset Allocation Fund II, Strong Variable Insurance Funds,
      Inc., File No. 811-06553, Form N-30D, Filed September 3, 1997, Accession
      No. 0000883644-97-000040.
     
11.   Worldwide Hard Assets Fund, Van Eck Worldwide Insurance Trust, File No.
      811-05083, Form N-30D, Filed August 22, 1997, Accession No. 0000950123-
      97-007203.    
      
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THE ACACIA GROUP
7315 Wisconsin Avenue
Bethesda, Maryland 20814




August 30, 1997





Dear Allocator 2000 and Allocator 2000 Annuity Policyholder:

Enclosed are the semi-annual reports for the funds available through Acacia
National's Variable  Life Insurance Policy, Allocator 2000 and Variable
Annuity Policy, Allocator 2000 Annuity.  These reports are sent on a semi-
annual basis to policyholders of record on June 30 and December 31 of the
respective purchase year.

In an effort to provide you with complete information pertaining to the funds,
we have included the semi-annual reports for all of the funds available and
not just those you currently have elected to allocate funds into.

Should you have any questions, please contact your registered representative
or the Variable Product Service Center at 1-800-369-9407.



Sincerely,

/s/ Michele Dupre

Michele Dupre
2nd Vice President
Marketing Communications



     









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