SEARS MUNICIPAL TRUST INSURED CALIFORNIA SERIES 40, 497, 1996-01-16

SEARS MUNICIPAL TRUST INSURED CALIFORNIA SERIES 40
497, 1996-01-16

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                                                  Rule 497(d)

               DEAN WITTER SELECT MUNICIPAL TRUST
                  INSURED CALIFORNIA SERIES 40

                    SUPPLEMENT TO PROSPECTUS
                     DATED JANUARY 16, 1996


          The sales charge in the secondary market will
reflect different rates depending upon the maturities of the
various underlying Securities as follows:

                         (as percent of bid  (as percent of
Time to Maturity          side evaluation)   Offering Price

Less than 1 year                       0%                0%
Over 1 year to 2 years             0.756%             0.75%
Over 2 years to 3 years            1.523%             1.50%
Over 3 years to 6 years            2.564%             2.50%
Over 6 years to 10 years           3.627%             3.50%
Over 10 years to 14 years          4.712%             4.50%
15 years and over                  5.820%             5.50%

     The prospectus included in the Registration Statement for
Dean Witter Select Municipal Trust, Insured California Series 40
is hereby incorporated by reference.