ANNUITY INVESTORS VARIABLE ACCOUNT A
24F-2NT, 1997-03-03
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                     U.S. SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

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


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1.  Name and address of issuer:

    Annuity Investors Variable Account A
    250 East Fifth Street
    Cincinnati, OH  45201-5423

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2.  Name of each series or class of funds for which this notice is filed:

    Commodore Variable Annuities (Commodore Nauticus; Commodore Mariner;
    Commodore Americus)
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3.  Investment Company Act File Number:    811-07299

    Securities Act File Number:   33-59861
                                  33-65409
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4.  Last day of fiscal year for which this notice is filed:

           December 31, 1996


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5.  Check box if this  notice is being  filed  more than 180 days  after the
    close of the issuer's  fiscal year for purposes of reporting  securities
    sold after the close of the fiscal  year but before  termination  of the
    issuer's 24f-2 declaration:                                        /-/

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6.  Date of termination of issuer's declaration rule 24f-2(a)(1), 
    if applicable (see Instruction A.6):


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7.  Number and amount of  securities  of the same class or series  which had
    been registered  under the Securities Act of 1933 other than pursuant to
    rule 24f-2 in a prior  fiscal  year,  but which  remained  unsold at the
    beginning of the fiscal year:

           0

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8.  Number and amount of securities registered during the fiscal year 
    other than pursuant to rule 24f-2:

           0

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9.  Number and aggregate sale price of securities sold during the 
    fiscal year:

           581,598.317 shares                    $3,337,987

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<PAGE>


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10. Number and aggregate sale price of securities sold during the 
    fiscal year in reliance upon registration pursuant to rule 24f-2:

           581,598.317 shares representing $3,337,987


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11. Number and aggregate  sale price of securities  issued during the fiscal
    year in connection with dividend  reinvestment plans, if applicable (see
    Instruction B.7):

                   0

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12. Calculation of registration fee:

    (i)    Aggregate sale price of securities sold           $     3,337,987
           during the fiscal year in reliance on             ------------------
           rule 24f-2 (from Item 10):


    (ii)   Aggregate price of shares issued in               +             0
           connection with dividend reinvestment             ------------------
           plans (from Item 11, if applicable):


    (iii)  Aggregate price of shares redeemed or             -        40,058
           repurchased during the fiscal year (if            ------------------
           applicable):

    (iv)   Aggregate price of shares redeemed or             +               0
           repurchased and previously applied as a           ------------------
           reduction to filing fees pursuant to
           rule 24e-2 (if applicable):

    (v)    Net aggregate price of securities sold            $     3,297,929
           and issued during the fiscal year in              ------------------
           reliance on rule 24f-2 [line (i), plus
           line (ii), less line (iii), plus line
           (iv)] (if applicable):

    (vi)   Multiplier prescribed by Section 6(b)             x         1/3300
           of the Securities Act of 1933 or other            ------------------
           applicable law or regulation (see
           Instruction C.6):

    (vii)  Fee due [line (1) or line (v)                     $          999.37
           multiplied by line (vi)]:


<PAGE>




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13. Check  box if  fees  are  being  remitted  to the  Commission's  lockbox
    depository  as  described  in  section 3a of the  Commission's  Rules of
    Informal and Other Procedures (17 CFR 202.3a).                  /_x_/

    Date of  mailing or wire  transfer  of filing  fees to the  Commission's
    lockbox depository:

                                      March 3, 1997

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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/ Lynn E. Laswell
                                      ------------------------------------------
                                      Lynn E. Laswell, Assistant Vice President


Date: February 18, 1997
      -----------------------

================================================================================




AMERICAN ANNUITY GROUP, INC.
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                                                                    P.O. Box 120
                                                          Cincinnati, Ohio 45201
                                                                  (513) 333-5515
                                                              Fax (513) 357-3397

                                                                MARK F. MUETHING
                                                          SENIOR VICE PRESIDENT,
                                                   GENERAL COUNSEL AND SECRETARY



                                             February 21, 1997



Annuity Investors Life Insurance Company
250 East Fifth Street
Cincinnati, Ohio  45202

Gentlemen:

        This  opinion  is  provided  in  connection  with the  Annual  Notice of
Securities  Sold  Pursuant  to Rule  24f-2,  filed on Form  24F-2,  for  Annuity
Investors  Variable Account A of which Annuity  Investors Life Insurance Company
("AILIC") is the Depositor (the "Filing").

        I have  examined  the  Articles  of  Incorporation  and bylaws of AILIC,
minutes of meetings of its Board of Directors and other  records,  and pertinent
provisions of the Ohio insurance  laws,  together with such other documents as I
have  deemed  appropriate.  Based on the  foregoing,  it is my opinion  that the
securities which are the subject of the Filing were legally issued,  fully paid,
and non-assessable.

        I hereby consent to the attachment of this opinion to the Filing.

                                                Very truly yours,



                                                /s/ Mark F. Muething
                                                -----------------------
                                                 Mark F. Muething



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