Charter National Life Insurance Company
8301 Maryland Avenue
St. Louis, Missouri 63105
May 19, 1997
VIA EDGARLINK
Securities and Exchange Commission
450 Fifth Street
Washington, D.C. 20549
Re: Charter National Variable Annuity Account
File No. 33-22925
Dear Commissioners:
On behalf of the above-captioned registrant, I hereby certify that pursuant
to Rule 497(j) of the Securities Act of 1933, the form of prospectus and
statement of additional information dated May 1, 1997 that would have been
filed under paragraph (c) of Rule 497 does not differ from that contained
in the most recent amendment of the above-captioned registration statement
filed. In addition, I certify that the text of the registrant's most
recent post-effective amendment was filed electronically via EDGAR.
If you have any questions regarding this certification, please contact the
undersigned at (215)928-8688.
Sincerely,
________________________
/s/Karen M. Henneberg
Assistant Vice President
