<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000743773
<NAME> SUMMIT MUTUAL FUNDS, INC.
<SERIES>
<NUMBER> 10
<NAME> PINNACLE SERIES NASDAQ-100 INDEX PORTFOLIO
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<INVESTMENTS-AT-COST> 10,527,199
<INVESTMENTS-AT-VALUE> 11,258,929
<RECEIVABLES> 811
<ASSETS-OTHER> 309
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 11,260,049
<PAYABLE-FOR-SECURITIES> 190,726
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 200,613
<TOTAL-LIABILITIES> 391,339
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 10,115,187
<SHARES-COMMON-STOCK> 0
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> (6,313)
<ACCUMULATED-NET-GAINS> 28,106
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 731,730
<NET-ASSETS> 10,868,710
<DIVIDEND-INCOME> 482
<INTEREST-INCOME> 6,708
<OTHER-INCOME> 0
<EXPENSES-NET> 13,503
<NET-INVESTMENT-INCOME> (6,313)
<REALIZED-GAINS-CURRENT> 28,106
<APPREC-INCREASE-CURRENT> 731,730
<NET-CHANGE-FROM-OPS> 753,523
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 1,109,644
<NUMBER-OF-SHARES-REDEEMED> 97,180
<SHARES-REINVESTED> 0
<NET-CHANGE-IN-ASSETS> 10,868,710
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 6,220
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 18,342
<AVERAGE-NET-ASSETS> 9,978,773
<PER-SHARE-NAV-BEGIN> 10.00
<PER-SHARE-NII> (0.01)
<PER-SHARE-GAIN-APPREC> 0.74
<PER-SHARE-DIVIDEND> 0
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.73
<EXPENSE-RATIO> 0.008
</TABLE>