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[NATIONWIDE LOGO]
October 23, 2000
VIA EDGAR
The United States Securities
and Exchange Commission
Judiciary Plaza
450 Fifth Street, N.W.
Washington, D.C. 20549
Subject: NACo Variable Account
Nationwide Life Insurance Company
SEC File No. 33-33425
CIK No. 000070281
Ladies and Gentlemen:
Pursuant to Rule 497(j) under the Securities Act of 1933 (1933 "Act") and on
behalf of NACo Variable Account (the "Variable Account") and Nationwide Life
Insurance Company (the "Company"), we certify that the form of the Prospectus
and the Statement of Additional Information that would have been filed under
paragraphs (b) and (c) under Rule 497 of the 1933 Act do not differ from the
form of the Prospectus and the Statement of Additional Information contained in
Post-Effective Amendment No. 22 to the Registration Statement for the Company
and the Variable Account which became effective October 17, 2000.
Please contact the undersigned at (614) 677-7702 with any questions regarding
this filing.
Sincerely,
NATIONWIDE LIFE INSURANCE COMPANY
/s/ Michael Stobart
Michael Stobart, Esq.
Compliance Specialist
