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SIGNATURE DARLA BALL
TITLE MANAGER
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<FN>
<F1> A Class
</FN>
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000912900
<NAME> MMA PRAXIS MUTUAL FUNDS
<SERIES>
<NUMBER> 011
<NAME>INTERMEDIATE INCOME FUND
<S> <C>
<PERIOD-TYPE> 12-MOS
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<FN>
<F1> B Class
</FN>
</TABLE>
<TABLE> <S> <C>
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<CIK> 0000912900
<NAME> MMA PRAXIS MUTUAL FUNDS
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<NAME>GROWTH FUND
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<FN>
<F1> A Class
</FN>
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000912900
<NAME> MMA PRAXIS MUTUAL FUNDS
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<NAME>GROWTH FUND
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<FN>
<F1> B Class
</FN>
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000912900
<NAME> MMA PRAXIS MUTUAL FUND GROUP
<SERIES>
<NUMBER> 030
<NAME> INTERNATIONAL FUND
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<ACCUMULATED-NII-PRIOR> 0
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<FN>
<F1> A Class
</FN>
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000912900
<NAME> MMA PRAXIS MUTUAL FUND GROUP
<SERIES>
<NUMBER> 031
<NAME> INTERNATIONAL FUND
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<DISTRIBUTIONS-OF-GAINS> 492504
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<ACCUMULATED-NII-PRIOR> 0
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<AVERAGE-NET-ASSETS> 31692845
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<PER-SHARE-NII> (0.08)
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<EXPENSE-RATIO> 2.00
<FN>
<F1> B Class
</FN>
</TABLE>
Report of Independent Accountants
To the Trustees of
MMA Praxis Mutual Funds:
In planning and performing our audits
of the financial statements of MMA
Praxis Mutual Funds for the year ended
December 31, 1999 we considered its
internal control, including controls
over 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 MMA Praxis Mutual Funds is
responsible for establishing and maintaining
internal control. In fulfilling this
responsibility, estimates and judgements 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 irregularities may occur and may 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 any specific internal control
component does not reduce to a relatively low level the risk that
errors or irregularities in amounts that would be material in relation
to the financial statements 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, including controls over safeguarding securities,
that we consider to be material weaknesses as defined above as of
December 31, 1999.
This report is intended solely for the information and use of management
and the Trustees of MMA Praxis Mutual Funds and the Securities and
Exchange Commission and is not intended to be and should not be used
by anyone other than these specified parties.
February 21, 2000
