Exhibit 23 (c)(xx)

                    OPPENHEIMER MAIN STREET SMALL CAP FUND/VA
               Share Certificate for Service Shares (8-1/2" x 11")


I.       FACE OF CERTIFICATE (All text and other matter lies within
         -------------------
                           8-1/4" x 10-3/4" decorative border, 5/16" wide)

                           (upper left corner): NUMBER [of shares]

                           (upper right) SERVICE SHARES

                           (centered
                           below boxes)     Oppenheimer Variable Account Funds

                           A MASSACHUSETTS BUSINESS TRUST
                           SERIES: OPPENHEIMER MAIN STREET SMALL CAP FUND/VA

(at left)         THIS IS TO CERTIFY THAT         (at right) SEE REVERSE FOR
                                                            CERTAIN DEFINITIONS

                                                        (box with number)


         (at left)             is the owner of

         (centered)        FULLY PAID SERVICE SHARES OF BENEFICIAL
                              INTEREST OF


                    OPPENHEIMER MAIN STREET SMALL CAP FUND/VA
                  a series of OPPENHEIMER VARIABLE ACCOUNT FUNDS (hereinafter
                  called the "Fund"), transferable only on the books of the Fund
                  by the holder hereof in person or by duly authorized attorney,
                  upon surrender of this certificate properly endorsed. This
                  certificate and the shares represented hereby are issued and
                  shall be held subject to all of the provisions of the
                  Declaration of Trust of the Fund to all of which the holder by
                  acceptance hereof assents. This certificate is not valid until
                  countersigned by the Transfer Agent.

                  WITNESS the facsimile seal of the Fund and the signatures of
its duly authorized officers.






(signature                                   Dated:         (signature
 at left of seal)                                           at right of seal)

         /s/ Brian W. Wixted                          /s/ Bridget A. Macaskill
         -----------------------                          -------------------
         TREASURER                                        PRESIDENT


                             (centered at bottom)
                         1-1/2" diameter facsimile seal





                                   with legend
                       OPPENHEIMER VARIABLE ACCOUNT FUNDS
                                      SEAL
                                      1984
                          COMMONWEALTH OF MASSACHUSETTS


(at lower right, printed
 vertically)                               Countersigned
                                   OPPENHEIMERFUNDS SERVICES (A DIVSION
                                    OF OPPENHEIMERFUNDS, INC.)
                                    Denver (Colo.)      Transfer Agent

                                     By ____________________________
                                         Authorized Signature


II.      BACK OF CERTIFICATE (text reads from top to bottom of 11" dimension)
         -------------------

         The following abbreviations, when used in the inscription on the face
of this certificate, shall be construed as though they were written out in full
according to applicable laws or regulations.

TEN COM - as tenants in common TEN ENT - as tenants by the entirety JT TEN WROS
NOT TC - as joint tenants with
                                    rights of survivorship and not
                                    as tenants in common

UNIF GIFT/TRANSFER MIN ACT - __________  Custodian _______________
                                                     (Cust)        (Minor)

                                     UNDER UGMA/UTMA ___________________
                                                       (State)


Additional abbreviations may also be used though not on above list.

For Value Received ................ hereby sell(s), assign(s), and transfer(s)
unto


PLEASE INSERT SOCIAL SECURITY OR
OTHER IDENTIFYING NUMBER OF ASSIGNEE
AND PROVIDE CERTIFICATION BY TRANSFEREE
(box for identifying number)






--------------------------------------------------------------
(Please print or type name and address of assignee)

------------------------------------------------------

__________________________________________________________ Service Shares of the
beneficial interest represented by the within Certificate, and do hereby
irrevocably constitute and appoint ___________________________ Attorney to
transfer the said shares on the books of the within named Fund with full power
of substitution in the premises.

Dated: ______________________

                                     Signed: __________________________

                                            (Both must sign if joint tenancy)

                                 Signature(s) __________________________
                                              guaranteed

                                              Name of Firm or Bank
                                              By: ____________________________
                                                       Signature of Officer

(text printed                   NOTICE: The signature(s) to this assignment
vertically to right           must correspond with the name(s) as
of above paragraph)     written upon the right of above face of the certificate
                         in every particular paragraph) without alteration or
                         enlargement or any change whatever.

(text printed in              Signatures must be guaranteed by a U.S.
box   to   left   of         commercial   bank   or   trust   company,   a
signature(s)                 Federally-chartered    savings   and   loan
                             association, a foreign bank having a U.S. firm of
                             a national securities exchange.