MERCANTILE MUTUAL FUNDS INC
497J, 2000-04-21
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                                              Michelle M. Lombardo
                                              215-988-2603
                                              [email protected]

                                  Law Offices
                          Drinker Biddle & Reath LLP
                               One Logan Square
                            18th and Cherry Streets
                          Philadelphia, PA 19103-6996
                           Telephone: (215) 988-2700
                              Fax: (215) 988-2757

                                 April 21, 2000


VIA EDGAR TRANSMISSION
- ----------------------

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

     Re:  Mercantile Mutual Funds, Inc.
          Registration Nos. 2-79285/811-3567

Ladies and Gentlemen:

  On behalf of Mercantile Mutual Funds, Inc (the "Fund") and pursuant to Rule
497(j) under the Securities Act of 1933, as amended (the "1933 Act"), I hereby
certify that the Fund's  two Statements of Additional Information, each dated
March 31, 2000, that would have been filed under paragraph (c) of Rule 497 under
the 1933 Act would not have differed from the Statements of Additional
Information contained in the Fund's most recent Post-Effective Amendment to its
Registration Statement on Form N-1A under the 1933 Act and the Investment
Company Act of 1940, as amended, ("PEA #51"), which was filed on March 31, 2000;
and the text of PEA #51 has been filed electronically.

  If you have any questions about the enclosed, please feel free to contact me
at (215) 988-2603.

                                    Sincerely yours,



                                    /s/ Michelle M. Lombardo
                                    ----------------------------
                                    Michelle M. Lombardo

MML


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