AMERICAN NATIONAL VARIABLE ANNUITY SEPARATE ACCOUNT
N-4/A, EX-99.B10, 2000-07-26
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                                                                  Exhibit 99.B10



                   CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS

As independent public accountants, we hereby consent to the use of our reports
(and to all references to our Firm) included in or made a part of this
registration statement.

                                             ARTHUR ANDERSEN LLP


                                             /s/ ARTHUR ANDERSEN LLP
                                             -------------------------


Houston, Texas
July 26, 2000


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