<PAGE> PAGE 1
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<PAGE> PAGE 2
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<PAGE> PAGE 3
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<PAGE> PAGE 4
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<PAGE> PAGE 5
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<PAGE> PAGE 6
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<PAGE> PAGE 7
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<PAGE> PAGE 8
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<PAGE> PAGE 9
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<PAGE> PAGE 10
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<PAGE> PAGE 11
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<PAGE> PAGE 12
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<PAGE> PAGE 13
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<PAGE> PAGE 14
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<PAGE> PAGE 15
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<PAGE> PAGE 16
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<PAGE> PAGE 17
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<PAGE> PAGE 18
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<PAGE> PAGE 19
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<PAGE> PAGE 20
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<PAGE> PAGE 21
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072 T000900 26
072 U000900 72
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072 W000900 40
072 X000900 301
072 Y000900 204
072 Z000900 135
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074 R030900 0
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074 S000900 0
074 T000900 18830
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<PAGE> PAGE 22
074 Y000900 0
075 A000900 0
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076 000900 0.00
080 A000900 CHUBB
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081 A000900 N
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082 A000900 N
082 B000900 0
083 A000900 N
083 B000900 0
084 A000900 N
084 B000900 0
085 A000900 Y
085 B000900 N
008 A001001 INTRUST FINANCIAL SERVICES, INC.
008 B001001 A
008 C001001 801-000000
008 D011001 WICHITA
008 D021001 KS
008 D031001 67202
008 A001002 BGFA
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008 C001002 801-000000
008 D011002 SAN FRANCISCO
008 D021002 CA
008 D031002 94105
010 A001001 BISYS FUND SERVICES LIMITED PARTNERSHIP
010 B001001 008-32480
010 C011001 COLUMBUS
010 C021001 OH
010 C031001 43219
011 A001001 BISYS FUND SERVICES L.P.
011 B001001 8-00000000
011 C011001 COLUMBUS
011 C021001 OH
011 C031001 43219
012 A001001 BISYS FUND SERVICES, INC.
012 B001001 84-05612
012 C011001 COLUMBUS
012 C021001 OH
012 C031001 43219
013 A001001 KPMG LLP
013 B011001 COLUMBUS
013 B021001 OH
013 B031001 43215
015 A001001 INTRUST BANK, N.A.
015 B001001 C
015 C011001 WICHITA
015 C021001 KS
<PAGE> PAGE 23
015 C031001 67202
015 E031001 X
018 001000 Y
019 A001000 N
019 B001000 0
024 001000 Y
025 A001001 MORGAN STANLEY, DEAN WITTER
025 C001001 E
025 D001001 1141
025 A001002 MERRILL LYNCH & CO.
025 C001002 E
025 D001002 539
025 A001003 GOLDMAN SACHS & CO..
025 C001003 E
025 D001003 398
025 A001004 LEHMAN BROTHERS INC.
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<PAGE> PAGE 24
028 H001000 0
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031 A001000 0
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038 001000 0
039 001000 N
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041 001000 N
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042 C001000 0
042 D001000 0
042 E001000 0
042 F001000 0
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<PAGE> PAGE 25
048 K011000 0
048 K021000 0.000
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054 A001000 N
054 B001000 N
054 C001000 N
054 D001000 N
054 E001000 N
054 F001000 N
054 G001000 N
054 H001000 N
054 I001000 N
054 J001000 N
054 K001000 N
054 L001000 N
054 M001000 N
054 N001000 N
054 O001000 N
055 A001000 N
055 B001000 N
056 001000 Y
057 001000 N
058 A001000 N
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<PAGE> PAGE 26
063 A001000 0
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066 C001000 N
066 D001000 N
066 E001000 N
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067 001000 N
068 A001000 N
068 B001000 N
069 001000 N
070 A011000 Y
070 A021000 N
070 B011000 Y
070 B021000 N
070 C011000 Y
070 C021000 N
070 D011000 Y
070 D021000 N
070 E011000 Y
070 E021000 N
070 F011000 Y
070 F021000 N
070 G011000 Y
070 G021000 N
070 H011000 Y
070 H021000 N
070 I011000 N
070 I021000 N
070 J011000 Y
070 J021000 N
070 K011000 Y
070 K021000 Y
070 L011000 Y
070 L021000 N
070 M011000 Y
070 M021000 N
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070 O021000 N
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070 Q011000 N
070 Q021000 N
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070 R021000 N
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<PAGE> PAGE 27
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<PAGE> PAGE 28
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008 A001101 INTRUST FINANCIAL SERVICES, INC.
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<PAGE> PAGE 29
011 B001101 8-00000000
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012 A001101 BISYS FUND SERVICES, INC.
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012 C011101 COLUMBUS
012 C021101 OH
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013 A001101 KPMG LLP
013 B011101 COLUMBUS
013 B021101 OH
013 B031101 43215
015 A001101 INTRUST BANK, N.A.
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018 001100 Y
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025 A001101 MORGAN STANLEY, DEAN WITTER
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025 A001102 MERRILL LYNCH & CO.
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025 A001103 GOLDMAN SACHS & CO.
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025 A001104 LEHMAN BROTHERS INC.
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<PAGE> PAGE 30
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<PAGE> PAGE 31
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<PAGE> PAGE 32
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<PAGE> PAGE 33
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<PAGE> PAGE 34
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<PAGE> PAGE 35
SIGNATURE DARLA BALL
TITLE SUPERVISOR
Independent Auditors' Report
To the Board of Trustees and Shareholders
American Independence Funds Trust:
In planning and performing our audit of the
financial statements of NestEgg 2000 Fund,
NestEgg 2010 Fund, NestEgg 2020 Fund,
NestEgg 2030 Fund and NestEgg 2040 Fund
(five of the funds comprising American
Independence Funds Trust (formerly
INTRUST Funds Trust)) for the period
ended February 29, 2000, we considered
their internal control, including control
activities for safeguarding securities,
in order to determine our auditing
procedures for the purpose of expressing
our opinion on the financial statements
and to comply with the requirements of
Form N-SAR, not to provide assurance
on internal control.
The management of the Funds is responsible
for establishing and maintaining internal
control. In fulfilling this responsibility,
estimates and judgments by management
are required to assess the expected benefits
and related costs of controls. Generally,
controls that are relevant to an audit
pertain to the entity's objective of preparing
financial statements for external purposes
that are fairly presented in conformity
with generally accepted accounting
principles. Those controls include
the safeguarding of assets against
unauthorized acquisition, use, or disposition.
Because of inherent limitations in internal
control, errors or fraud may occur and not be
detected. Also, projection of any evaluation
of internal control to future periods is subject
to the risk that it may become inadequate
because of changes in conditions or that
the effectiveness of the design and operation
may deteriorate.
Our consideration of internal control would
not necessarily disclose all matters in
internal control that might be material
weaknesses under standards established by
the American Institute of Certified Public
Accountants. A material weakness is a
condition in which the design or operation
of one or more of the internal control
components does not reduce to a relatively
low level the risk that error or fraud in
amounts that would be material in relation
to the financial statements being audited may
occur and not be detected within a timely
period by employees in the normal course
of performing their assigned functions.
However, we noted no matters involving
internal control, including controls over
safeguarding securities, that we consider
to be material weaknesses as defined above
as of February 29, 2000.
This report is intended solely for the
information and use of management, the
Board of Trustees and the Securities and
Exchange Commission and is not intended
to be and should not be used by anyone
other than those specified parties.
April 7, 2000
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<NAME> NESTEGG FUNDS
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<NAME> NESTEGG FUNDS
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<NAME> NESTEGG 2020
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