American Fidelity Assurance Company and American Fidelity
Separate Account B (File no. 811-08187) hereby incorporate by
reference the semi-annual reports for the underlying funds named
below for filing with the Securities and Exchange Commission,
pursuant to Rule 30b2-1 under the Investment Company Act of 1940
(the "Act").
Filer/Entity: Merrill Lynch Variable Series
Funds, Inc.
File #: 811-03290
CIK #: 0000355916
Accession #: 0000950123-99-007751
Date of Filing: August 16, 1999
Filer/Entity: The Dreyfus Socially Responsible
Growth Fund, Inc.
File #: 811-07044
CIK #: 890064
Accession #: 0000890064-99-000010
Date of Filing: September 3, 1999
Filer/Entity: Dreyfus Variable Investment Fund,
Small Company Stock Portfolio
File #: 811-05125
CIK #: 813383
Accession #: 0000813383-99-000033
Date of Filing: August 30, 1999
Filer/Entity: Dreyfus Variable Investment Fund, Growth
and Income Portfolio
File #: 811-05125
CIK #: 813383
Accession #: 0000813383-99-000024
Date of Filing: August 30, 1999
Filer/Entity: Dreyfus Stock Index Fund
File #: 811-05719
CIK #: 846800
Accession #: 0000846800-99-000008
Date of Filing: August 27, 1999
Filer/Entity: Dreyfus Variable Investment Fund,
International Value Portfolio
File #: 811-05125
CIK #: 813383
Accession #: 0000813383-99-000034
Date of Filing: August 30, 1999
Filer/Entity: American Fidelity Dual Strategy Fund, Inc.
File #: 811-08873
CIK # 0001061130
Accession #: 0000909334-99-000111
Date of Filing: September 24, 1999
These semi-annual reports are for the period ended June 30,
1999 and have been transmitted to contract holders in accordance with
Rule 30d-2 under the Act.
Any questions regarding this filing may be directed to
Patricia H. Rigler at (405) 523-5483.
