CARNEGIE TAX FREE INCOME TRUST, 497J, 1998-12-01

CARNEGIE TAX FREE INCOME TRUST
497J, 1998-12-01

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<PAGE>   1
                                December 1, 1998


Securities and Exchange Commission
Judiciary Plaza
450 Fifth Street, N.W.
Washington, D.C. 20549

                    Re:   Carnegie Tax Free Income Trust
                          1933 Act Registration No. 2-76987
                          ---------------------------------

Dear Sir/Madam:

          Pursuant to Rule 497(j) under the Securities Act of 1933, as amended,
the undersigned Registrant hereby certifies that:

          1.  On November 20, 1998 it filed electronically through the EDGAR
              system Post-Effective Amendment No. 22 to the above-captioned
              Registration Statement; and

          2.  the form of Prospectus and Statement of Additional Information
              that would have been filed under Rule 497(c) would not have
              differed from that contained in such Post-Effective Amendment.


                                  CARNEGIE TAX FREE INCOME TRUST

                                  by  /s/ David E. Karam
                                     ----------------------------------------
                                      David E. Karam, Chief Financial Officer