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SIGNATURE GARY TENKMAN
TITLE DIRECTOR
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<NAME> MMA PRAXIS MUTUAL FUNDS
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<NAME> MMA PRAXIS MUTUAL FUNDS
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<NET-INVESTMENT-INCOME> (78602)
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<OVERDIST-NET-GAINS-PRIOR> 196211
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REPORT OF INDEPENDENT ACCOUNTANTS
To the Shareholder and Trustees of
The MMA Praxis Mutual Funds:
In our opinion, the accompanying statements of assets and liabilities,
including the schedules of portfolio investments, and the related
statements of operations and changes in net assets, and the financial
highlights present fairly, in all material respects, the financial position
of MMA Praxis Intermediate Income Fund, MMA Praxis Growth Fund
and MMA Praxis International Fund (constituting MMA Praxis Mutual
Funds, hereafter referred to as the "the Funds") at December 31, 1998,
the results of each of their operations, the changes in their net assets, and
the financial highlights for each of the periods presented, in conformity
with generally accepted accounting principles. These financial statements
and financial highlights (hereafter referred to as "financial statements") are
the responsibility of the Funds' management; our responsibility is to
express an opinion on these financial statements based on our audits. We
conducted our audits of these financial statements in accordance with
generally accepted auditing standards which require that we plan and
perform the audit to obtain reasonable assurance about whether the
financial statements are free of material misstatement. An audit includes
examining, on a test basis, evidence supporting the amounts and
disclosures in the financial statements, assessing the accounting principles
used and significant estimates made by management, and evaluating the
overall financial statement presentation. We believe that our audits, which
included confirmation of securities at December 31, 1998 by correspondence
with the custodian and brokers, provide a reasonable basis for the opinion
expressed above.
PricewaterhouseCoopers LLP
Columbus, Ohio
February 11, 1999
To the Shareholders and
Board of Directors of
The MMA Praxis Mutual Funds:
In planning and performing our audit of the financial statements
and financial highlights of The MMA Praxis Mutual Funds
for the year ended December 31, 1998, we considered its
internal control, including control activities for safeguarding
securities, in order to determine our auditing procedures for
the purpose of expressing our opinion on the financial
statements and to comply with the requirements of Form
N-SAR, not to provide assurance on internal control.
The management of The MMA Praxis Mutual Funds is
responsible for establishing and maintaining internal control.
In fulfilling this responsibility, estimates and judgments by
management are required to assess the expected benefits and
related costs of controls. Generally, controls that are relevant
to an audit pertain to the entity's objective of preparing
financial statements for external purposes that are fairly
presented in conformity with generally accepted accounting
principles. Those controls include the safeguarding of assets
against unauthorized acquisition, use or disposition.
Because of inherent limitations in internal control, errors or
fraud may occur and not be detected. Also, projection of any
evaluation of internal control to future periods is subject
to the risk that it may become inadequate because of
changes in conditions or that the effectiveness of the design and
operation may deteriorate.
Our consideration of internal control would not necessarily
disclose all matters in internal control that might be
material weaknesses under standards established by the
American Institute of Certified Public Accountants. A
material weakness is a condition in which the design or
operation of one or more of the internal control components
does not reduce to a relatively low level the risk that
misstatements caused by error or fraud in amounts that
would be material in relation to the financial statements and
financial highlights being audited may occur and not be
detected within a timely period by employees in the normal
course of performing their assigned functions. However, we
noted no matters involving internal control and its operation,
including controls for safeguarding securities, that we
consider to be material weaknesses as defined above as of
December 31, 1998.
This report is intended solely for the information and use
of management and the Board of Directors of The MMA
Praxis Mutual Funds and the Securities and Exchange
Commission.
PricewaterhouseCoopers LLP
Columbus, Ohio
February 11, 1999
