EX-99.77Q3 CERT

CERTIFICATION


I, David Wezdenko, certify that:

1.  I have reviewed this report on
Form N-SAR of Asset Allocation Portfolio,
Capital Growth Portfolio, Growth and
Income Portfolio, International Equity
Portfolio, Money Market Portfolio, and
U.S. Government Income Portfolio,
each a series of Mutual Fund Variable
Annuity Trust;

2.  Based on my knowledge, this report
does not contain any untrue statement
of a material fact or omit to state a
material fact necessary to make the
statements made, in light of the
circumstances under which such statements
were made, not misleading with respect
to the period covered by this report;

3. Based on my knowledge, the financial
information included in this report,
and the financial statements on which
the financial information is based,
fairly present in all material respects
the financial condition, results of
operations, changes in net assets,
and cash flows (if the financial statements
are required to include a statement
of cash flows) of the registrant as
of, and for, the periods presented in
this report;

4. The registrant's other certifying
officers and I are responsible for
establishing and maintaining disclosure
controls and procedures (as defined in
rule 30a-2(c) under the Investment
Company Act) for the registrant and have:
a) designed such disclosure controls
and procedures to ensure that material
information relating to the registrant,
including its consolidated subsidiaries,
is made known to us by others within those
entities, particularly during the period
in which this report is being prepared;
b) evaluated the effectiveness of the
registrant's disclosure controls and procedures
as of a date within 90 days prior to the
filing date of this report (the
"Evaluation Date"); and
c) presented in this report our
conclusions about the effectiveness of
the disclosure controls and procedures
based on our evaluation as of the Evaluation
Date;

5. The registrant's other certifying
officers and I have disclosed, based
on our most recent evaluation, to the
registrant's auditors and the audit
committee of the registrant's board of
directors (or persons performing the
equivalent functions):
a) all significant deficiencies in the
design or operation of internal controls
which could adversely affect the registrant's
ability to record, process, summarize, and
report financial data and have identified
for the registrant's auditors any material
weaknesses in internal controls; and
b) any fraud, whether or not material, that
involves management or other employees who
have a significant role in the registrant's
internal controls; and

6. The registrant's other certifying
officers and I have indicated in this report
whether or not there were significant
changes in internal controls or in other
factors that could significantly affect
internal controls subsequent to the date
of our most recent evaluation, including
any corrective actions with regard to
significant deficiencies and material
weaknesses.

/s/David Wezdenko/Treasurer
Date:4/28/03

EX-99.77Q3 CERT

CERTIFICATION


I, George W. Gatch, certify that:

1.  I have reviewed this report on
Form N-SAR of Asset Allocation Portfolio,
Capital Growth Portfolio, Growth and
Income Portfolio, International Equity
Portfolio, Money Market Portfolio, and
U.S. Government Income Portfolio,
each a series of Mutual Fund Variable
Annuity Trust;

2.  Based on my knowledge, this report
does not contain any untrue statement
of a material fact or omit to state a
material fact necessary to make the
statements made, in light of the
circumstances under which such statements
were made, not misleading with respect
to the period covered by this report;

3. Based on my knowledge, the financial
information included in this report,
and the financial statements on which
the financial information is based,
fairly present in all material respects
the financial condition, results of
operations, changes in net assets,
and cash flows (if the financial statements
are required to include a statement
of cash flows) of the registrant as
of, and for, the periods presented in
this report;

4. The registrant's other certifying
officers and I are responsible for
establishing and maintaining disclosure
controls and procedures (as defined in
rule 30a-2(c) under the Investment
Company Act) for the registrant and have:
a) designed such disclosure controls
and procedures to ensure that material
information relating to the registrant,
including its consolidated subsidiaries,
is made known to us by others within those
entities, particularly during the period
in which this report is being prepared;
b) evaluated the effectiveness of the
registrant's disclosure controls and procedures
as of a date within 90 days prior to the
filing date of this report (the
"Evaluation Date"); and
c) presented in this report our
conclusions about the effectiveness of
the disclosure controls and procedures
based on our evaluation as of the Evaluation
Date;

5. The registrant's other certifying
officers and I have disclosed, based
on our most recent evaluation, to the
registrant's auditors and the audit
committee of the registrant's board of
directors (or persons performing the
equivalent functions):
a) all significant deficiencies in the
design or operation of internal controls
which could adversely affect the registrant's
ability to record, process, summarize, and
report financial data and have identified
for the registrant's auditors any material
weaknesses in internal controls; and
b) any fraud, whether or not material, that
involves management or other employees who
have a significant role in the registrant's
internal controls; and

6. The registrant's other certifying
officers and I have indicated in this report
whether or not there were significant
changes in internal controls or in other
factors that could significantly affect
internal controls subsequent to the date
of our most recent evaluation, including
any corrective actions with regard to
significant deficiencies and material
weaknesses.

/s/George W. Gatch/President
Date:4/28/03

EX-99.77O RULE 10F-3

JPMORGAN VISTA VARIABLE ANNUITY ASSET ALLOCATION PORTFOLIO FUND
Section 10f-3 Transactions

Trade
Date     	Issue
12/10/02	SEAGATE TECHNOLOGY HOLDINGS

Shares            Price         Amount
792		  $12.00	$9,504.00

                                        % of Issue
Spread     Spread       Fund's            for all
Amount       %        % of issue      JPMorgan Funds
$0.51        N/A	0.00%	             0.44%

Broker
Morgan Stanley and Salomon Smith Barney, Inc.

Underwriters of Seagate Technology Holdings

Underwriters	      				     Number of Shares
Morgan Stanley & Co. Incorporated    			14,137,500
Salomon Smith Barney Inc.     				14,137,500
Goldman, Sachs & Co.    				 9,787,500
J.P. Morgan Securities Inc.     			 9,787,500
Bear, Stearns & Co. Inc.	     			 2,610,000
Credit Suisse First Boston Corporation    		 2,610,000
Lehman Brothers Inc.     				 2,610,000
Merrill Lynch, Pierce, Fenner & Smith Incorporated    	 2,610,000
Thomas Weisel Partners LLC    				 2,610,000
Blaylock & Partners, L.P.    				 1,450,000
CMG Institutional Trading, L.L.C.    			 1,450,000
A.G. Edwards & Sons, Inc.   				 1,450,000
Pacific Crest Securities, Inc.   			 1,450,000
Pacific Growth Equities, Inc.   			 1,450,000
Prudential Securities Incorporated    			 1,450,000
RBC Dain Rauscher Inc.    				 1,450,000
SoundView Technology Corporation    			 1,450,000

Total						        72,500,000

EX-99.77O RULE 10F-3

JPMORGAN VISTA VARIABLE CAPITAL GROWTH PORTFOLIO FUND
Section 10f-3 Transactions

The following securities were purchased pursuant
to Rule 10f-3 and all requirements of the
Affiliated Underwriting Procedures of the Fund.

Trade
Date     	Issue
11/07/02	WELLCHOICE, INC.

Shares            Price         Amount
1,300		  $25.00	$32,500.00

                                        % of Issue
Spread     Spread       Fund's            for all
Amount       %        % of issue      JPMorgan Funds
$1.49        N/A	0.01%	            1.10%

Broker
Credit Suisse First Boston Corporation

Underwriters of WellChoice, Inc.

Underwriters 				    Number of Shares
Credit Suisse First Boston Corporation    	5,448,172
UBS Warburg LLC    				1,816,059
Bear, Stearns & Co. Inc.     			1,816,059
Morgan Stanley & Co. Incorporated 	        1,816,059
Goldman, Sachs & Co.    		        1,210,706
J.P. Morgan Securities Inc.    			1,210,706
Salomon Smith Barney Inc.    			1,210,706
Blaylock & Partners, L.P.    			  302,676
The Williams Capital Group, L.P.     		  302,676
BNY Capital Markets, Inc.   			  200,338
Dowling & Partners Securities, LLC    		  108,516
Fox-Pitt, Kelton Inc.    			  108,516
Invemed Associates LLC    			  200,338
Leerink Swann & Company   			  108,516
Legg Mason Wood Walker, Incorporated    	  108,516
Muriel Siebert & Co. Inc.    			  108,516
Prudential Securities Incorporated    		  200,338
Ramirez & Co., Inc.   				  108,516
Raymond James & Associates, Inc.    		  108,516
SG Cowen Securities Corporation    		  200,338

Total					       16,694,783

EX-99.77Q1 OTHR EXHB

Registrant's principal executive officer and
principal financial officer, following an
evaluation within 90 days prior to the filing
date of this Report of the disclosure controls
and procedures as defined in rule 30a-2(c) under
the Act applicable to the Registrant's service
providers in connection with the services such
providers have agreed to provide Registrant,
conclude as follows:

1.the disclosure controls and procedures reflect
a cumulative process involving the Registrant's
service providers;

2. the cumulative process seeks to ensure that
the information required to be disclosed by the
Registrant in the reports that it files or submits
under the Securities Exchange Act of 1934 is
recorded, processed, summarized and reported within
the time period specified in the Commission's rules
and forms and that the information required to be
disclosed by the Registrant in  these reports is
accumulated and communicated to the Registrant's
management including its principal executive and
financial officer, as appropriate to allow timely
decisions regarding required disclosure; and that

3. this process is effective with regards to  its
purpose.