NAVIGATOR TAX FREE MONEY MARKET FUND INC
497J, 1995-07-14
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<PAGE>   1

                  Navigator Tax-Free Money Market Fund, Inc.
                          Statement of Certification
                           Pursuant to Rule 497(j)

     Navigator Tax-Free Money Market Fund, Inc. (the "Fund") hereby certifies
that the forms of prospectus and statement of additional information that would
have been filed under Paragraph (c) of Rule 497 under the Securities Act of
1933, as amended, would not have differed from those contained in
Post-Effective Amendment No. 10 to the Fund's Registration Statement on Form
N-1A (File No. 33-3082) which was filed electronically with the Securities and
Exchange Commission on June 28, 1995 (Accession No. 0000893220-95-000428).


                                   NAVIGATOR TAX-FREE MONEY MARKET FUND, INC.


Date: July 14, 1995                By: /s/ James R. Lesher
                                       -------------------
                                       James R. Lesher
                                       Vice President, Treasurer and Assistant
                                       Secretary



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