WITNESSETH:

EXHIBIT 1(J)
                                   SSgA FUNDS

                               AMENDMENT NO. 10 TO

              THE FIRST AMENDED AND RESTATED MASTER TRUST AGREEMENT

                     Establishment of Additional Sub-Trusts

THIS  AMENDMENT NO. 10 to the First Amended and Restated Master Trust Agreement,
dated  October 13,  1993 (also referred to as the Agreement and Declaration of
Trust), is made as of the 28th day of January, 1998:

                                   WITNESSETH:

WHEREAS, pursuant to the Agreement, the Trustees have previously established and
designated the SSgA Money Market Fund, SSgA US Government Money Market Fund, the
SSgA S&P 500 Index Fund, SSgA Small Cap Fund, SSgA Matrix Equity Fund, SSgA
Active International Fund, SSgA International Pacific Index Fund, SSgA Bond
Market Fund, SSgA Yield Plus Fund, SSgA US Treasury Money Market Fund, SSgA US
Treasury Obligations Fund, SSgA Growth and Income Fund, SSgA Intermediate Fund,
SSgA Emerging Markets Fund, SSgA Prime Money Market Fund, SSgA Tax Free Money
Market Fund, SSgA Real Estate Equity Fund, SSgA Life Solutions Income and Growth
Fund, SSgA Life Solutions Balanced Fund, and SSgA Life Solutions Growth Fund as
20 sub-trusts of the Trust; and

WHEREAS, the Trustees have the authority under Section 4.1 of the Agreement to
establish and designate additional separate and distinct sub-trusts and to fix
and determine certain relative rights and preferences as between the shares of
the Sub-trusts, without shareholder approval;

WHEREAS, the Trustees hereby desire to establish and designate SSgA Special
Small Cap Fund, SSgA High Yield Bond Fund, and SSgA International Growth
Opportunities Fund as additional sub-trusts with the relative rights and
preferences set forth in Section 4.2 of the Agreement;

NOW,  THEREFORE, the first paragraph of Section 4.2 of the Agreement is hereby
amended to read in pertinent part as follows:

                  "Section 4.2 Establishment and Designation of Sub-Trusts.
         Without limiting the authority of the Trustees set forth in Section 4.1
         to establish and designate any further Sub-Trusts, the Trustees hereby
         establish and designate the following Sub-Trusts: SSgA Money Market
         Fund, SSgA US Government Money Market Fund, SSgA S&P 500 Index Fund,
         SSgA Small Cap Index Fund, SSgA Matrix Equity Fund, SSgA Active
         International Fund, SSgA International Pacific Index Fund, SSgA Bond
         Market Fund, SSgA Yield Plus Fund, SSgA US Treasury Money Market Fund,
         SSgA US Treasury Obligations Fund, SSgA Growth and Income Fund, SSgA
         Intermediate Fund, and SSgA Prime Money Market Fund, SSgA Emerging
         Markets Fund, SSgA Tax Free Money Market Fund, SSgA Real Estate Equity
         Fund, SSgA Life Solutions Income and Growth Fund, SSgA Life Solutions
         Balanced Fund, SSgA Life Solutions Growth Fund, SSgA Special Small Cap
         Fund, SSgA High Yield Bond Fund, and SSgA International Growth
         Opportunities Fund. The Shares of each Sub-Trust and any Shares of any
         further Sub-Trusts that may from time to time be established and
         designated by the Trustees shall



        (unless the Trustees otherwise determine with respect to some
        further Sub-Trust at the time of establishing and designating the same)
        have the following relative rights and preferences:"

The undersigned hereby certifies that the Amendment set forth above has been
duly adopted in accordance with the provisions of the Master Trust Agreement.

IN WITNESS WHEREOF, the undersigned has hereunto set his hand as of the day and
year first above written.

                                          SSgA FUNDS



                                          /s/J. Xxxxx Xxxxxxxx
                                          ------------------------------------
                                          J. Xxxxx Xxxxxxxx
                                          Secretary