<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000743773
<NAME> SUMMIT MUTUAL FUNDS, INC.
<SERIES>
<NUMBER> 9
<NAME> PINNACLE SERIES LEHMAN AGGREGATE BOND INDEX PORTFOLIO
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> JUN-30-2000
<INVESTMENTS-AT-COST> 0
<INVESTMENTS-AT-VALUE> 0
<RECEIVABLES> 0
<ASSETS-OTHER> 30,316
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 30,316
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 30,316
<TOTAL-LIABILITIES> 30,316
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 0
<SHARES-COMMON-STOCK> 0
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 0
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 258,131
<OTHER-INCOME> 0
<EXPENSES-NET> 20,478
<NET-INVESTMENT-INCOME> 237,653
<REALIZED-GAINS-CURRENT> 1,157
<APPREC-INCREASE-CURRENT> 62,918
<NET-CHANGE-FROM-OPS> 301,728
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 261,339
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 20,464
<NUMBER-OF-SHARES-REDEEMED> 1,608,601
<SHARES-REINVESTED> 26,859
<NET-CHANGE-IN-ASSETS> (15,329,919)
<ACCUMULATED-NII-PRIOR> 126,945
<ACCUMULATED-GAINS-PRIOR> (40,526)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 11,381
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 20,478
<AVERAGE-NET-ASSETS> 15,215,843
<PER-SHARE-NAV-BEGIN> 9.82
<PER-SHARE-NII> 0.09
<PER-SHARE-GAIN-APPREC> 0.26
<PER-SHARE-DIVIDEND> 0.17
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 10.00
<PER-SHARE-NAV-END> 0.00
<EXPENSE-RATIO> 0.005
</TABLE>