SEPARATE ACCOUNT A OF GOLDEN AMERICAN LIFE INSURANCE CO
497J, 1997-02-24
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GOLDEN AMERICAN LIFE INSURANCE COMPANY
1001 Jefferson Street, Wilmington, DE  19801           Tel:  (302) 576-3400
                                                       Fax:  (302) 576-3540



                              February 24, 1997

Securities and Exchange Commission
450 Fifth Street, NW
Washington, DC  20549


     Re:  Post-Effective Amendment No. 20 to
          Registration Statement on Form S-6 for
          Golden American Life Insurance Company 
          Separate Account A File No. 33-23458 
          
Ladies and Gentlemen:

     This letter filed pursuant to 497(j) of the Securities Act of 1933
certifies the following:

      (1)  the form of prospectus and that would have been filed under
      paragraph (c) of Section 497 would not have differed from that 
      contained in the most recent registration statement or amendment, and

      (2)  the text of the most recent registration statement or amendment
      has been filed electronically.
      
     If you have any question, comments or need more information, please do not
hesitate to contact the undersigned at (302) 576-3516.

                              Sincerely,


                              /s/Marilyn Talman
                              -----------------------
                              Marilyn Talman
                              Vice President, Associate General
                               Counsel and Assistant Secretary





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