[ARTICLE] 6
[CIK] 0000743773
[NAME] SUMMIT MUTUAL FUNDS, INC.
[SERIES]
[NUMBER] 12
[NAME] APEX EVEREST FUND
<TABLE>
<S> <C>
[PERIOD-TYPE] 6-MOS
[FISCAL-YEAR-END] SEP-30-2000
[PERIOD-END] MAR-31-2000
[INVESTMENTS-AT-COST] 2,958,837
[INVESTMENTS-AT-VALUE] 3,112,845
[RECEIVABLES] 6,722
[ASSETS-OTHER] 11,058
[OTHER-ITEMS-ASSETS] 0
[TOTAL-ASSETS] 3,130,625
[PAYABLE-FOR-SECURITIES] 0
[SENIOR-LONG-TERM-DEBT] 0
[OTHER-ITEMS-LIABILITIES] 18,297
[TOTAL-LIABILITIES] 18,297
[SENIOR-EQUITY] 0
[PAID-IN-CAPITAL-COMMON] 2,956,513
[SHARES-COMMON-STOCK] 0
[SHARES-COMMON-PRIOR] 0
[ACCUMULATED-NII-CURRENT] 8,449
[OVERDISTRIBUTION-NII] 0
[ACCUMULATED-NET-GAINS] 13,358
[OVERDISTRIBUTION-GAINS] 0
[ACCUM-APPREC-OR-DEPREC] 154,008
[NET-ASSETS] 3,132,328
[DIVIDEND-INCOME] 6,930
[INTEREST-INCOME] 9,289
[OTHER-INCOME] 0
[EXPENSES-NET] 7,770
[NET-INVESTMENT-INCOME] 8,449
[REALIZED-GAINS-CURRENT] 13,358
[APPREC-INCREASE-CURRENT] 154,008
[NET-CHANGE-FROM-OPS] 175,815
[EQUALIZATION] 0
[DISTRIBUTIONS-OF-INCOME] 0
[DISTRIBUTIONS-OF-GAINS] 0
[DISTRIBUTIONS-OTHER] 0
[NUMBER-OF-SHARES-SOLD] 317,531
[NUMBER-OF-SHARES-REDEEMED] 0
[SHARES-REINVESTED] 0
[NET-CHANGE-IN-ASSETS] 3,132,328
[ACCUMULATED-NII-PRIOR] 0
[ACCUMULATED-GAINS-PRIOR] 0
[OVERDISTRIB-NII-PRIOR] 0
[OVERDIST-NET-GAINS-PRIOR] 0
[GROSS-ADVISORY-FEES] 3,036
[INTEREST-EXPENSE] 0
[GROSS-EXPENSE] 21,864
[AVERAGE-NET-ASSETS] 1,813,768
[PER-SHARE-NAV-BEGIN] 10.00
[PER-SHARE-NII] 0.03
[PER-SHARE-GAIN-APPREC] (0.17)
[PER-SHARE-DIVIDEND] 0.00
[PER-SHARE-DISTRIBUTIONS] 0.00
[RETURNS-OF-CAPITAL] 0.00
[PER-SHARE-NAV-END] 9.86
[EXPENSE-RATIO] 0.017
</TABLE>
