A BEECH BONANZA PILOT REPORTS A NMAC WITH A CESSNA AT 3000 FT NEAR N57.

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I WAS APPROX 10 MI E OF N57; AT 3000 FT MSL; WITH THAT ARPT BEING MY DEST. I WAS RECEIVING VFR ADVISORIES FROM PHL APCH WHEN I ADVISED APCH THAT I HAD N57 IN SIGHT. AT THAT POINT IN TIME; BEFORE APCH DISCONTINUED SVCS; THE CTLR ADVISED ME OF TFC AT MY 11 O'CLOCK POS. I MADE VISUAL CONTACT WITH THE TFC WHICH WAS IN THE VICINITY OF THE N57 ARPT AND ADVISED APCH. IT APPEARED TO ME THAT THE TFC WAS PROCEEDING AWAY FROM MY COURSE. I LOST VISUAL CONTACT WITH THE TFC FOR A SHORT PERIOD OF TIME. WHILE DSNDING THROUGH 2700 FT MSL; A CESSNA APPEARED AT MY 10 O'CLOCK POS; COMING FROM THE SW; PROCEEDING NNE. I NEVER SAW THE CESSNA UNTIL HE APPEARED UNDERNEATH MY ACFT AT AN ESTIMATED VERT DISTANCE OF 10 FT. I ATTEMPTED TO TAKE EVASIVE ACTION; BUT DUE TO THE CLOSURE RATE IT BECAME OBVIOUS TO ME IT WAS JUST SHEER LUCK THAT THE 2 ACFT DID NOT COLLIDE. JUDGING BY THE OP OF THE CESSNA; IN MY OPINION; THE CESSNA PLT WAS NOT AWARE OF MY PRESENCE. IF HE OR SHE DID; IT WAS ONLY AFTER MY ACFT PASSED OVER THE CESSNA. THERE IS A DISTINCT BLIND SPOT WITH THE MAKE/MODEL THAT I WAS OPERATING THIS DATE. THE POST BTWN THE WINDSHIELD AND THE PLT'S SIDE WINDOW; COUPLED WITH THE HARDWARE OF THE PLT'S VENT WINDOW OBSTRUCTED MY VIEW. THE TYPICAL SCENARIO REGARDING A LOW WING ACFT DSNDING INTO A HIGH WING ACFT IN THE TERMINAL AREA ALMOST OCCURRED WITH DIRE CONSEQUENCES. IT'S OBVIOUS THAT 2 PLTS THAT WERE OPERATING THE ACFT MENTIONED IN THIS RPT SHOULD HAVE BEEN MORE VIGILANT TO SEE/AVOID. I'M NOT SURE THAT THE CESSNA THAT WAS INVOLVED IN THIS EVENT IS THE SAME ACFT THAT WAS CALLED OUT TO ME FROM APCH.