Elmer A. Jackola, a 45-year-old career Foreign Service officer currently overseas, and Sandra D. Hylton, 38, a Department of Health and Human Services typist, last night won $1 million each in the D.C. lottery's second grand-prize drawing.

Jackola does not know he won the grand prize and his wife, Hattie, said she does not know where he is overseas.

"The shock hasn't hit me yet," said the stunned Mrs. Jackola, who lives in Culpeper, Va. One of the Jackolas' three children, Sandra, 19, a senior majoring in computer science at Old Dominion University in Norfolk, stood in for her father, who is not expected to return to the United States until next month.

Sandra Jackola said she hopes that now she can use some of the prize winnings--$50,000 a year for 20 years--to continue her education and get a master's degree.

Hylton, of 1601 Argonne Place NW, was so stunned by winning the big prize that all she could say was, "I'm excited and nervous." She said she had no idea what she would do with the money other than to help pay for the education of her children.

She said a son, Harold, 19, attends Hiram State College in Hiram, Ohio, while a married daughter, Lana Lopez, 20, attends Cameron College in Oklahoma. Another married daughter, Wanda Mitchell, 21, lives in Texas. Hylton's fourth child, Michele, 15, lives at home.

Hylton said she plays the D.C. lottery about three times a week, but usually does not purchase more than one ticket at a time. She bought her winning ticket at News Room, a cafe and newsstand at 1753 Connecticut Ave. NW.

As the drawing narrowed down to three finalists, Sandra Jackola, Hylton and Stuart N. Scheer all gathered around D.C. Mayor Marion Barry as a pouch was opened to designate the $100,000 winner.

The name of Scheer, who owns Mayfair Liquors at 7312 Georgia Ave. NW, and is a lottery ticket agent, was drawn for the $100,000 prize, and by process of elimination, Jackola and Hylton became millionaires-by-stages.

Scheer said he bought the lottery ticket that led to his prize last night "at my lucky place," his own liquor store. "I occasionally will play along with the customers," the 41-year-old Potomac resident said. He said some of his prize money would help pay for the coming wedding of his daughter, Lori, 19.

Hattie Jackola, 45, said that a large chunk of the family's newly won prize money would help pay for the education of their children. The couple's other two children, Cheryl, 21, and Jeff, 10, also attended the prize drawing. But Jackola said she asked Sandra to represent her father in the prize drawing because "she's my good luck charm and I was nervous."

Jackola said she did not think that winning the $1 million prize would change the family's life all that much. "I still cut my grass and do my own garden," she said.

Still, when lottery officials handed her a $40,000 check--the first installment minus the Internal Revenue Service's tax bite--she exclaimed, "I've never seen this much money in my life." Her husband had purchased the winning ticket at Normandie Liquors at 83 M St. SE. "I never come to Washington," Jackola said. "I enjoy working in the schools as a volunteer . I would have been pleased with any amount."

Among the other winners were Ellis P. Mayo, a recently retired D.C. Department of Labor job interviewer, who pocketed $50,000, and Rhodesia (Nora) Cobbs of Washington, who works at Aerospace Industries Association of America, who won $25,000.

Manuel Castelo, an unemployed butler from Takoma Park, won $10,000, while Thomas G. Gregg Jr., part owner of the M&G Tile Co. in Alexandria, won $5,000, as did Edith Wilson of New Carrollton, who works at a Northwest Washington Dutch Treat restaurant.

Others who won $1000 each were: Bridgette Brown, Washington; Kenneth M. Carson, Bowie; Lincoln Glover, Washington; Brenda Hubbard, Seat Pleasant; Julia Lucas, Washington; Charles A. Mackie, Adelphi; Robert Nachtweh, Vienna; Nathaniel Russ, Washington; James M. Saita, New Carrollton; Murray S. Saval, Silver Spring; Helen R. Shirley, Orange, Va., and Napolean Valentine, Washington.

Last night's prize drawing was a scaled-down version of an elaborate production last November in which the lottery picked its first two millionaires, Mara Spade, a part-time bartender from Chevy Chase, and Charles H. Puryear of the District, who worked as a security guard at the time.

At the November drawing, Games Production Inc., the private firm hired by the D.C. Lottery Board to operate the instant ticket games, hired comedian Alan King and singer Melba Moore to entertain a crowd of about 4,000 people. Last night, however, there were local entertainers, headed by Masters of Ceremony Frank Harden and Jackson Weaver, radio station WMAL's morning-show hosts.

The crowd numbered about 1,000, including many relatives and friends of the 20 finalists and lottery ticket agents, who receive a 6 percent commission for selling the tickets.

The drawing for the two $1 million prize winners was the culmination of the District's second legalized lottery since voters approved its creation in a 1980 referendum. It is the first form of legalized gambling in the nation's capital in more than 75 years.

Nearly 24 million $1 tickets were sold in the D.C. Double game, which ran from late October to early March. Last night's 20 finalists were selected from a group of 5,567 lottery players who won $100 or $200 during the game. The names of the 20--eight from the District, eight from Maryland and four from Virginia--were picked from a large rotating drum in a drawing last week on the steps of the District Building.