HIBERNIA FUNDS
5800 Corporate Drive
Pittsburgh, Pennsylvania 15237-7010
November 3, 1998
EDGAR Operations Branch
Securities and Exchange Commission
Division of Investment Management
450 Fifth Street, Northwest
Washington, DC 20549
RE: HIBERNIA FUNDS (formerly, Tower Mutual Funds) (the "Trust")
Hibernia Capital Appreciation Fund
Class A Shares
Class B Shares
Hibernia Louisiana Municipal Income Fund
Hibernia Mid Cap Equity Fund
Class A Shares
Class B Shares
Hibernia Total Return Bond Fund
Hibernia U.S. Government Income Fund
Hibernia Cash Reserve Fund
Class A Shares
Class B Shares
Hibernia U.S. Treasury Money Market Fund
1933 Act File No. 33-21321
1940 ACT FILE NO. 811-5536
Dear Sir or Madam:
Pursuant to Rule 497(j) under the Securities Act of 1933, the above-named
Trust hereby certifies that the definitive forms of prospectus and statement of
additional information, dated October 31, 1998, that would have been filed under
Rule 497(c), do not differ from the forms of prospectus and statement of
additional information contained in the most recent registration statement for
the Trust. This registration statement was electronically filed under Rule
485(b) as Post-Effective Amendment No. 22 on October 27, 1998.
If you have any questions regarding this certification, please call me at
(412) 288-8260.
Very truly yours,
/s/ Gail Cagney
Gail Cagney
Assistant Secretary
