SUMMIT MUTUAL FUNDS, INC.                            EX-99.906 CERT
ITEM 10(2) TO FORM N-CSR

                      SECTION 906 CERTIFICATION


Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, each of the
undersigned officers of Summit Mutual Funds, Inc., does hereby certify, to
such officer's knowledge, that the report on Form N-CSR of the Pinnacle
Series of Summit Mutual Funds, Inc. for the period ended December 31, 2003
fully complies with the requirements of Section 13(a) or 15(d) of the
Securities Exchange Act of 1934 and information contained in the Form N-
CSR fairly presents, in all material respects, the financial condition and
results of operations of the Pinnacle Series of Summit Mutual Funds, Inc.


/s/Steven R. Sutermeister               /s/Thomas G. Knipper
- -------------------------------------   -------------------------------
Steven R. Sutermeister                  Thomas G. Knipper
President and Chief Executive Officer   Controller and Treasurer
Summit Mutual Funds, Inc.               Summit Mutual Funds, Inc.