SBSF FUNDS INC
497J, 1996-07-16
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                               SBSF FUNDS, INC.
                            (d/b/a Key Mutual Funds)
                            Registration No. 2-84920

                             CERTIFICATE PURSUANT TO
                                   Rule 497(j)


         The undersigned  hereby certifies on behalf of SBSF Funds,  Inc. (d/b/a
Key Mutual Funds) (the  "Company") that the forms of Prospectus and Statement of
Additional  Information for the Company's SBSF Fund, SBSF Convertible Securities
Fund,  SBSF Capital Growth Fund and Key Money Market Mutual Fund that would have
been filed  pursuant  to Rule  497(c)  under the  Securities  Act of 1933 do not
differ from the Prospectuses and Statement of Additional  Information  contained
in Post-Effective  Amendment No. 24 to the Company's  Registration  Statement on
Form N-1A. The text of Post-Effective  Amendment No. 24 was filed electronically
on July 12, 1996.

         IN WITNESS  WHEREOF,  the  Company has caused  this  certificate  to be
executed and witnessed in its name and on its behalf by the  undersigned  on the
15th day of July, 1996.

Witness:                                          SBSF FUNDS, INC.
                                                  (d/b/a Key Mutual Funds)

By: /s/ Robert L. Tuch                            By: /s/ Scott A. Englehart
        Robert L. Tuch                            Name:   Scott A. Englehart
                                                  Title:  Vice President





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