January 6, 1998
Securities and Exchange Commission
450 Fifth Street, NW
Washington, DC 20549
Principal Mutual Life Insurance Company Separate Account B
Personal Variable Annuity Contract File No. 33-44565
Pursuant to Rule 497(j) under the Securities Act of 1933, as amended, the
Separate Account hereby certifies that the form of prospectus that would have
been filed on behalf of the Separate Account pursuant to Rule 497(c) upon the
effectiveness of the Post-Effective Amendments referenced above to the Separate
Account's Registration Statement on Form N-4 (the "Amendment") would not have
differed from that contained in the Amendments, which are the most recent
amendments on such Registration Statement and was filed electronically on
December 16, 1997.
Comments or questions concerning this certificate may be directed to Kim
McCartney at 1-800-247-4123, ext. 89155.
Sincerely
/S/ KIM MCCARTNEY
Kim McCartney
Senior Consultant - Product Development
KLM/nja
