<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000743773
<NAME> SUMMIT MUTUAL FUNDS, INC.
<SERIES>
<NUMBER> 11
<NAME> PINNACLE SERIES RUSSELL 2000 SMALL CAP INDEX PORTFOLIO
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<INVESTMENTS-AT-COST> 15,140,121
<INVESTMENTS-AT-VALUE> 15,462,460
<RECEIVABLES> 5,779,811
<ASSETS-OTHER> 14,150
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 21,256,421
<PAYABLE-FOR-SECURITIES> 5,401,219
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 27,190
<TOTAL-LIABILITIES> 5,428,409
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 14,855,562
<SHARES-COMMON-STOCK> 0
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 25,534
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 624,577
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 322,339
<NET-ASSETS> 15,828,012
<DIVIDEND-INCOME> 36,401
<INTEREST-INCOME> 9,375
<OTHER-INCOME> 0
<EXPENSES-NET> 20,242
<NET-INVESTMENT-INCOME> 25,534
<REALIZED-GAINS-CURRENT> 624,577
<APPREC-INCREASE-CURRENT> 322,339
<NET-CHANGE-FROM-OPS> 972,450
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 1,536,759
<NUMBER-OF-SHARES-REDEEMED> 50,584
<SHARES-REINVESTED> 0
<NET-CHANGE-IN-ASSETS> 15,828,012
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 9,446
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 32,831
<AVERAGE-NET-ASSETS> 15,155,868
<PER-SHARE-NAV-BEGIN> 10.00
<PER-SHARE-NII> 0.02
<PER-SHARE-GAIN-APPREC> 0.63
<PER-SHARE-DIVIDEND> 0
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.65
<EXPENSE-RATIO> 0.008
</TABLE>