<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000743773
<NAME> SUMMIT MUTUAL FUNDS, INC.
<SERIES>
<NUMBER> 8
<NAME> PINNACLE SERIES S&P MIDCAP 400 INDEX PORTFOLIO
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<INVESTMENTS-AT-COST> 9,435,750
<INVESTMENTS-AT-VALUE> 11,097,638
<RECEIVABLES> 53,053
<ASSETS-OTHER> 215,371
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 11,366,062
<PAYABLE-FOR-SECURITIES> 172,771
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 16,118
<TOTAL-LIABILITIES> 188,889
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 7,901,882
<SHARES-COMMON-STOCK> 0
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> (96,311)
<ACCUMULATED-NET-GAINS> 1,750,814
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 1,620,788
<NET-ASSETS> 11,177,173
<DIVIDEND-INCOME> 72,449
<INTEREST-INCOME> 123,624
<OTHER-INCOME> 0
<EXPENSES-NET> 48,499
<NET-INVESTMENT-INCOME> 147,574
<REALIZED-GAINS-CURRENT> 2,812,828
<APPREC-INCREASE-CURRENT> (469,627)
<NET-CHANGE-FROM-OPS> 2,490,775
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 317,528
<DISTRIBUTIONS-OF-GAINS> 1,116,730
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 767,267
<NUMBER-OF-SHARES-REDEEMED> 2,066,811
<SHARES-REINVESTED> 135,758
<NET-CHANGE-IN-ASSETS> (12,786,199)
<ACCUMULATED-NII-PRIOR> 73,642
<ACCUMULATED-GAINS-PRIOR> 54,716
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 26,274
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 60,175
<AVERAGE-NET-ASSETS> 17,564,206
<PER-SHARE-NAV-BEGIN> 11.04
<PER-SHARE-NII> 0.13
<PER-SHARE-GAIN-APPREC> 0.71
<PER-SHARE-DIVIDEND> 0.26
<PER-SHARE-DISTRIBUTIONS> 0.53
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 11.09
<EXPENSE-RATIO> 0.006
</TABLE>