April 4, 1997
VIA EDGAR SYSTEM
Securities and Exchange Commission
450 Fifth Street, N.W.
Judiciary Plaza
Washington, DC 20549
Re: Monterey Mutual Fund
File Nos. 2-90810 and 811-4010
Ladies and Gentlemen:
The undersigned officer of Monterey Mutual Fund (the "Trust")
does hereby certify pursuant to Rule 497(j) promulgated under the
Securities Act of 1933, as amended:
1. that the form of prospectus and statement of additional
information that would have been filed under paragraph (c) of Rule 497
promulgated under the Securities Act of 1933, as amended, would not have
differed from that contained in Post-Effective Amendment No. 25 to Form N-
1A Registration Statement filed by the Trust on March 25, 1997, which is
the most recent amendment to such registration statement; and
2. that the text of Post-Effective Amendment No. 25 was filed
with the Securities and Exchange Commission by direct transmittal through
the EDGAR system on March 25, 1997.
Very truly yours,
MONTEREY MUTUAL FUND
By: /Kathie Hilton
Kathie Hilton
Secretary
