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Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C. 20549
RE: AMERICAN NATIONAL INVESTMENT ACCOUNTS, INC.
File Numbers: 33-36423
811-06155
Dear Sir or Madam:
Pursuant to paragraph (j) of Rule 497 (the "Rule") under the Securities
Act of 1933, the captioned registrant hereby certifies, in lieu of filing under
paragraph (c) of the Rule, that the forms of prospectus and Statement of
Additional Information that would have been filed under paragraph (c) would not
have differed from that contained in the registrant's most recent amendment to
the registration statement, Post-Effective Amendment No. 11.
AMERICAN NATIONAL INVESTMENT ACCOUNTS, INC.
By: /s/ Teresa E. Axelson
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Teresa Axelson, Secretary
April 29, 1999
