FULCRUM SEPARATE ACCOUNT ALLMERICA FIN LIFE INS & ANNUITY CO
N-8A, 1996-09-04
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                      SECURITIES AND EXCHANGE COMMISSION
                            WASHINGTON, D.C. 20549
                                  FORM N-8A
       NOTIFICATION OF REGISTRATION FILED PURSUANT TO SECTION 8(A) OF THE
                         INVESTMENT COMPANY ACT OF 1940

The undersigned investment company hereby notifies the Securities and 
Exchange Commission that it registers under and pursuant to the provisions of 
Section 8(a) of the Investment Company Act of 1940 and in connection with 
such notification of registration submits the following information:

Name:  Fulcrum Separate Account of Allmerica Financial Life Insurance 
       and Annuity Company

Address of Principal Business Office:
       440 Lincoln Street, Worcester, Massachusetts 01653

Telephone Number: (506) 855-1000

Name and Address of Agent for Service of Process:
       Abigail M. Armstrong
       Secretary and Counsel
       Allmerica Financial Life Insurance and Annuity Company
       440 Lincoln Street
       Worcester, MA 01653

Check Appropriate Box

       Registrant is filing a Registration Statement pursuant to Section 8(b) 
       of the Investment Company Act of 1940 concurrently with the filing of 
       Form N-8A;
            Yes  X         No
               -----          -----


                                  SIGNATURES

Pursuant to the requirements of the Investment Company Act of 1940, 
Registrant has caused this notification of registration to be duly signed on 
behalf of Registrant in the City of Worcester and the Commonwealth of 
Massachusetts on the      day of September, 1996.

                     Separate Account Fulcrum of Allmerica Financial Life
                     Insurance and Annuity Company
                     (Registrant)


                     By: /s/ Abigail M. Armstrong
                        --------------------------------------
                             Abigail M. Armstrong
                             Secretary and Counsel

Attest:  /s/ Sheila B. St. Hilaire
       ----------------------------------
             Sheila B. St. Hilaire
             Counsel





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