Securities and Exchange Commission 
450 Fifth Street, N.W. 
Washington, D.C. 20549 

RE:      Benham California Tax-Free and Municipal Funds (the "Trust") 
         Benham California Tax-Free Money Market Fund (the "Funds") 
         Benham California Municipal Money Market Fund 
         Benham California Tax-Free Short-Term Fund 
         Benham California Tax-Free Intermediate-Term Fund 
         Benham California Tax-Free Long-Term Fund 
         Benham California  High-Yield Fund 
         Benham California Tax-Free Insured Fund 
         1933 Act File No. 2-82734 
         1940 Act File No. 811-3706  

Ladies and Gentlemen: 

     Pursuant to Rule 497(j) under the Securities  Act of 1933, as amended,  the
undersigned  hereby  certifies  that the form of  prospectus  and  statement  of
additional  information that would have been filed under paragraph (b) or (c) of
Rule 497 with respect to the  above-referenced  issuer  would not have  differed
from that contained in Post Effective  Amendment No. 22, filed October 27, 1995,
to the issuer's Registration Statement on Form N-1A.

     Any concerns regarding this filing should be directed to the undersigned at
1-415-967-9625.

Very Truly Yours, 

/s/Steven  D. Bebout 
Steven D. Bebout 
Federal Document Analyst