ACACIA NATIONAL VARIABLE LIFE INSURANCE SEPARATE ACCOUNT 1
24F-2NT, 1999-03-31
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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                   FORM 24F-2
                        Annual Notice of Securities Sold
                             Pursuant to Rule 24f-2

Read instructions at end of Form before preparing Form. Please print or type.

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1.  Name and address of issuer:

        ACACIA NATIONAL VARIABLE ANNUITY SEPARATE ACCOUNT I
         7315 Wisconsin Avenue
         Bethesda, MD 20814

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2. Name of each  series or class of funds for which this notice is filed (If the
Form is being  filed for all series and  classes of  securities  of the  issuer,
check the box but do not list series or classes): [ ]

         Flexible Premium Variable Life Insurance Policies
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3.  Investment Company Act File Number:    811-08998

      Securities Act File Number:    333-90208

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4. Last day of fiscal year for which this notice is filed: 12-31-98

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4(b). [ ] Check box if this Form is being filed late (i.e. more than 90 calender
days after the end of the issuer's fiscal year). (See Instruction A.2)

Note: If the Form is being filed late, interest must be paid on the registration
fee due.

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4(c). [ ]  Check box if this is the last time the  issuer  will be filing  this
form.

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5. Calculation of registration fee:

      (i)   Aggregate sale price of securities sold during the       $21,315,099
            fiscal year in reliance on rule 24f-2 (from Item 10):

      (ii)  Aggregate  price of securities  redeemed or  repurchased  $6,706,630
            Redeemed or repurchased during the fiscal year:

      (iii) Aggregate  price of securities  redeemed or  repurchased  during any
            prior  fiscal year ending no earlier than October 11, 1995 that were
            not  previously  used to reduce  registration  fees  payable  to the
            Commission:                                               $    0

      (iv)  Total available redemption credits [add Items
            5(ii) and 5(iii):                                         $6,706,630

       (v)  Net sales - If Item 5(i) is greater  than Item 5(iv) [subtract  Item
            5(iv) from Item 5(i)] applicable):                       $14,608,469

      (vi)  Redemption  credits  available for use in future years $(         ) 
            --If Item 5(i) is less than Item 5(iv) [subtract Item 5
           (iv) from item 5(i)]:

     (vii)  Multiplier  for  determining   registration   fee         x  .000278
           (See Instruction C.9):

      (viii) Registration fee due [multiplied Item 5(v) by Item
              5(vii) (enter "0" if no fee is due.                     = $4061.15

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6.     Prepaid Shares

     If the  response  to Item  5(i)was  determined  by  deductingan  amount  of
securities  that were  registered  under the  Securities Act of 1933 pursuant to
rule 24e-2 as in effect  before  October  11,  1997,  then  report the amount of
securities (numbers of shares or other units) deducted here:___________ If there
is a number of shares or other units that were registered pursuant to rule 24e-2
remaining unsold at the end of the fiscal year for which this form is filed that
are  available  for use by the  issuer in future  fiscal  years,  then state the
number here:__________________.

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7.  Interest  due - if this Form is bveing filed more than 90 days after the end
of the issuer's fiscal year (see instruction D):

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8.    Total of the  amount of the  registration  fee due plus any  interest  due
      [line5(viii)plus line 7]:
                                                                      = $4061.15

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9.  Date  the  Registration  fee  and  any  interest  payment  was  sent  to the
Commissioner's lockbox depository:

          Method of Delivery:

                            [X] Wire Transfer

                            [ ] Mail or other means

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                                                            SIGNATURES

     This report has been signed below by the following persons on behalf of the
issuer and in the capacities and on the dates indicated.


     By (Signature and Title)*         /s/ Ellen Jane Abromson
                                       -------------------------
                                       Ellen Jane Abromson
                                       2nd Vice President and Associate Counsel

     Date         March 31, 1999

*Please print the name and title of the signing officer below the signature.

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