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, 2004 fully complies with the re-
quirements 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   Vice President and Controller
Summit Mutual Funds, Inc.               Summit Mutual Funds, Inc.