HARBOR FUND
497J, 2000-11-01
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<PAGE>   1
                            [HARBOR FUND LETTERHEAD]

                                         November 1, 2000




Securities and Exchange Commission
450 Fifth Street, N.W.
Judiciary Plaza
Washington, D. C.  20549

ATTENTION:  FILING DESK

RE:      HARBOR FUND
         PROSPECTUS AND STATEMENT OF ADDITIONAL INFORMATION
         FILE NO. 33-5852 AND FILE NO. 811-4676

Gentlemen:

         On behalf of Harbor Fund (the "Trust") pursuant to the Securities Act
of 1933, as amended and Rule 497(j) thereunder and the Investment Company Act of
1940, as amended, I hereby certify that the form of Prospectus and Statement of
Additional Information, each dated November 1, 2000 that would have been filed
under paragraph 497(b) or 497(c) does not differ from that contained in
Post-Effective Amendment No. 29 to the Trust's registration statement on Form
N-1A ("PEA No. 29"), the most recent amendment to the Trust's registration
statement and PEA No. 29 was filed electronically on October 26, 2000.

         If you have any questions or comments concerning the foregoing please
contact the undersigned at (419) 247-5209.

                                            Sincerely,

                                            /s/ Karen Brenner Wasil

                                            Karen Brenner Wasil
                                            Secretary




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