American Fidelity Assurance Company and American Fidelity
Separate Account B (File no. 811-08187) hereby incorporate by
reference the 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 #: 0000950123-00-001530
Date of Filing: February 23, 2000
Filer/Entity: The Dreyfus Socially Responsible
Growth Fund, Inc.
File #: 811-07044
CIK #: 890064
Accession #: 0000890064-00-000002
Date of Filing: February 23, 2000
Filer/Entity: Dreyfus Variable Investment Fund,
Small Company Stock Portfolio
File #: 811-05125
CIK #: 813383
Accession #: 0000813383-00-000010
Date of Filing: February 23, 2000
Filer/Entity: Dreyfus Variable Investment Fund, Growth
and Income Portfolio
File #: 811-05125
CIK #: 813383
Accession #: 0000813383-00-000001
Date of Filing: February 23, 2000
Filer/Entity: Dreyfus Stock Index Fund
File #: 811-05719
CIK #: 846800
Accession #: 0000846800-00-000002
Date of Filing: February 29, 2000
Filer/Entity: Dreyfus Variable Investment Fund,
International Value Portfolio
File #: 811-05125
CIK #: 813383
Accession #: 0000813383-00-000011
Date of Filing: February 23, 2000
Filer/Entity: American Fidelity Dual Strategy Fund, Inc.
File #: 811-08873
CIK # 0001061130
Accession #: 0000909334-00-000025
Date of Filing: March 6, 2000
These annual reports are for the period ended December 31,
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.
