MANN HORACE SHORT TERM INVESTMENT FUND INC
24F-2NT, 1996-02-20
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February 19, 1996



Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, DC 20549

SUBJECT:  Rule 24f-2 Notice for Horace Mann Short-Term Investment Fund, Inc.
          File No. 2-81830

Dear Sir or Madam:

This Notice is filed on behalf of Horace Mann Short-Term Investment Fund, Inc.
pursuant to the requirements of Rule 24f-2 under the Investment Company Act of
1940.

  1. Fiscal year for which notice is filed:  January 1, 1995 through
     December 31, 1995.        
  2. Dollar amount of securities registered under the Securities Act of
     1933 other than pursuant to Rule 24f-2 but which remain unsold as of
     January 1, 1995:  0.
  3. Dollar amount of securities registered during the fiscal year ended
     December 31, 1995 other than pursuant to Rule 24f-2:  0.
  4. Dollar amount of securities sold during the fiscal year ended
     December 31, 1995: $7,337,135.
  5. Net dollar amount of securities sold during the fiscal year ended
     December 31, 1995 (less redemptions): ($107,946).
  6. Dollar amount of securities sold during the fiscal year ended
     December 31, 1995 in reliance upon Rule 24f-2: ($107,946)
  7. Fee at $100 minimum: $100.00.

Sincerely,




William J. Kelly, FLMI
Treasurer
Horace Mann Short-Term Investment Fund, Inc.

* Net amount equals purchases of $7,337,135 minus redemptions of $7,445,081
  or ($107,946).<PAGE>




February 16, 1996




Mr George Zock
President Horace Mann Short-Term Investment Fund, Inc.
PO Box 4657
Springfield, IL  62708-4657



RE:    Registration of Securities
         Horace Mann Short-Term Investment Fund, Inc.


In my capacity as General Counsel of Horace Mann Educators Corporation, I am
familiar with the securities offered by the Horace Mann Short-Term Investment
Fund, including the preparation and review of registration statements and post-
effective amendments pursuant to the Securities Act of 1933.

After reviewing the relevant documents and making suitable inquiry of Fund
personnel, I am of the opinion that the securities issued in fiscal year 1995 by
the Fund were legally issued, fully paid and non-assessable.

Sincerely,




Ann Caparros<PAGE>




Registration No. 2-81830



SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549


Rule 24f-2 Notice
(Investment Company Act of 1940)


HORACE MANN SHORT-TERM INVESTMENT FUND, INC.
(Exact Name of Fund)


One Horace Mann Plaza
Springfield, Illinois 62715
(Complete address of depositor's principal executive offices)


William J. Kelly
Treasurer
Horace Mann Short-Term Investment Fund, Inc.
One Horace Mann Plaza
Springfield, Illinois 62715
(Name and complete address of agent for service)


Copies to:

Cathy G. O'Kelly
Vedder, Price, Kaufman and Kammholz
222 N. LaSalle Street
Chicago, IL 60601-1003



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