HORACE MANN MUTUAL FUNDS
NSAR-A, 1997-08-21
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<PAGE>      PAGE  1
000 A000000 06/30/97
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000 D000000 N
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000 J000000 A
001 A000000 HORACE MANN MUTUAL FUNDS
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002 A000000 #1 HORACE MANN PLAZA
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007 C010100  1
007 C020100 HORACE MANN GROWTH FUND
007 C030100 N
007 C010200  2
007 C020200 HORACE MANN BALANCED FUND
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007 C010300  3
007 C020300 HORACE MANN INCOME FUND
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007 C020600 HORACE MANN INTERNATIONAL EQUITY FUND
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007 C010700  7
007 C020700 HORACE MANN SOCIALLY RESPONSIBLE FUND
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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  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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SIGNATURE   WILLIAM J. KELLY                             
TITLE       OFFICER             
 


<TABLE> <S> <C>

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</TABLE>

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<INVESTMENTS-AT-COST>                          299,297
<INVESTMENTS-AT-VALUE>                         347,913
<RECEIVABLES>                                    3,389
<ASSETS-OTHER>                                      31
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                 351,333
<PAYABLE-FOR-SECURITIES>                         1,439
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                          195
<TOTAL-LIABILITIES>                              1,634
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                       281,710
<SHARES-COMMON-STOCK>                           16,729
<SHARES-COMMON-PRIOR>                           15,870
<ACCUMULATED-NII-CURRENT>                        5,167
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                         14,206
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                        48,616
<NET-ASSETS>                                   349,699
<DIVIDEND-INCOME>                                2,126
<INTEREST-INCOME>                                3,739
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                     813
<NET-INVESTMENT-INCOME>                          5,049
<REALIZED-GAINS-CURRENT>                        14,012
<APPREC-INCREASE-CURRENT>                       12,953
<NET-CHANGE-FROM-OPS>                           32,014
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                            0
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                         32,799
<NUMBER-OF-SHARES-REDEEMED>                     15,811
<SHARES-REINVESTED>                                  0
<NET-CHANGE-IN-ASSETS>                          49,002
<ACCUMULATED-NII-PRIOR>                            118
<ACCUMULATED-GAINS-PRIOR>                           64
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                              774
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                    835
<AVERAGE-NET-ASSETS>                           348,512
<PER-SHARE-NAV-BEGIN>                            18.94
<PER-SHARE-NII>                                    .31
<PER-SHARE-GAIN-APPREC>                           1.65
<PER-SHARE-DIVIDEND>                                 0
<PER-SHARE-DISTRIBUTIONS>                            0
<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                              20.90
<EXPENSE-RATIO>                                    .26
<AVG-DEBT-OUTSTANDING>                               0
<AVG-DEBT-PER-SHARE>                                 0
        

</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0001026708
<NAME> HORACE MANN MUTUAL FUNDS
<SERIES>
   <NUMBER> 3
   <NAME> HORACE MANN INCOME FUND
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<INVESTMENTS-AT-COST>                            9,596
<INVESTMENTS-AT-VALUE>                           9,699
<RECEIVABLES>                                      145
<ASSETS-OTHER>                                       3
<OTHER-ITEMS-ASSETS>                                74
<TOTAL-ASSETS>                                   9,921
<PAYABLE-FOR-SECURITIES>                             0
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                           29
<TOTAL-LIABILITIES>                                 29
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                         9,518
<SHARES-COMMON-STOCK>                              755
<SHARES-COMMON-PRIOR>                              855
<ACCUMULATED-NII-CURRENT>                          314
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                           (43)
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                           103
<NET-ASSETS>                                     9,892
<DIVIDEND-INCOME>                                    0
<INTEREST-INCOME>                                  352
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                      45
<NET-INVESTMENT-INCOME>                            307
<REALIZED-GAINS-CURRENT>                          (43)
<APPREC-INCREASE-CURRENT>                           42
<NET-CHANGE-FROM-OPS>                              (1)
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                            0
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                          1,014
<NUMBER-OF-SHARES-REDEEMED>                      2,290
<SHARES-REINVESTED>                                  0
<NET-CHANGE-IN-ASSETS>                           (969)
<ACCUMULATED-NII-PRIOR>                              7
<ACCUMULATED-GAINS-PRIOR>                            0
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                               23
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                     45
<AVERAGE-NET-ASSETS>                             9,941
<PER-SHARE-NAV-BEGIN>                            12.69
<PER-SHARE-NII>                                    .39
<PER-SHARE-GAIN-APPREC>                            .02
<PER-SHARE-DIVIDEND>                                 0
<PER-SHARE-DISTRIBUTIONS>                            0
<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                              13.10
<EXPENSE-RATIO>                                    .44
<AVG-DEBT-OUTSTANDING>                               0
<AVG-DEBT-PER-SHARE>                                 0
        

</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0001026708
<NAME> HORACE MANN MUTUAL FUND
<SERIES>
   <NUMBER> 4
   <NAME> HORACE MANN SHORT-TERM FUND
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<INVESTMENTS-AT-COST>                            1,386
<INVESTMENTS-AT-VALUE>                           1,386
<RECEIVABLES>                                        3
<ASSETS-OTHER>                                       1
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                   1,390
<PAYABLE-FOR-SECURITIES>                             0
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                            4
<TOTAL-LIABILITIES>                                  4
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                         1,355
<SHARES-COMMON-STOCK>                              135
<SHARES-COMMON-PRIOR>                              123
<ACCUMULATED-NII-CURRENT>                           31
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                              0
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                             0
<NET-ASSETS>                                     1,386
<DIVIDEND-INCOME>                                    0
<INTEREST-INCOME>                                   33
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                       3
<NET-INVESTMENT-INCOME>                             30
<REALIZED-GAINS-CURRENT>                             0
<APPREC-INCREASE-CURRENT>                            0
<NET-CHANGE-FROM-OPS>                               30
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                            0
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                          1,678
<NUMBER-OF-SHARES-REDEEMED>                      1,551
<SHARES-REINVESTED>                                  0
<NET-CHANGE-IN-ASSETS>                             157
<ACCUMULATED-NII-PRIOR>                              1
<ACCUMULATED-GAINS-PRIOR>                            0
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                                2
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                     13
<AVERAGE-NET-ASSETS>                             1,254
<PER-SHARE-NAV-BEGIN>                            10.03
<PER-SHARE-NII>                                    .24
<PER-SHARE-GAIN-APPREC>                            .01
<PER-SHARE-DIVIDEND>                                 0
<PER-SHARE-DISTRIBUTIONS>                            0
<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                              10.28
<EXPENSE-RATIO>                                    .26
<AVG-DEBT-OUTSTANDING>                               0
<AVG-DEBT-PER-SHARE>                                 0
        

</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0001026708
<NAME> HORACE MANN MUTUAL FUNDS
<SERIES>
   <NUMBER> 5
   <NAME> HORACE SMALL CAP FUND
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<INVESTMENTS-AT-COST>                            3,492
<INVESTMENTS-AT-VALUE>                           3,900
<RECEIVABLES>                                      109
<ASSETS-OTHER>                                       0
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                   4,009
<PAYABLE-FOR-SECURITIES>                           478
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                            3
<TOTAL-LIABILITIES>                                481
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                         3,223
<SHARES-COMMON-STOCK>                              334
<SHARES-COMMON-PRIOR>                                0
<ACCUMULATED-NII-CURRENT>                          (1)
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                          (101)
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                           407
<NET-ASSETS>                                     3,528
<DIVIDEND-INCOME>                                    0
<INTEREST-INCOME>                                    7
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                       8
<NET-INVESTMENT-INCOME>                            (1)
<REALIZED-GAINS-CURRENT>                         (101)
<APPREC-INCREASE-CURRENT>                          407
<NET-CHANGE-FROM-OPS>                              306
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                            0
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                          2,316
<NUMBER-OF-SHARES-REDEEMED>                         93
<SHARES-REINVESTED>                                  0
<NET-CHANGE-IN-ASSETS>                           2,223
<ACCUMULATED-NII-PRIOR>                              0
<ACCUMULATED-GAINS-PRIOR>                            0
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                                9
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                     15
<AVERAGE-NET-ASSETS>                             2,997
<PER-SHARE-NAV-BEGIN>                            10.00
<PER-SHARE-NII>                                      0
<PER-SHARE-GAIN-APPREC>                            .55
<PER-SHARE-DIVIDEND>                                 0
<PER-SHARE-DISTRIBUTIONS>                            0
<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                              10.55
<EXPENSE-RATIO>                                    .35
<AVG-DEBT-OUTSTANDING>                               0
<AVG-DEBT-PER-SHARE>                                 0
        

</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0001026708
<NAME> HORACE MANN MUTUAL FUNDS
<SERIES>
   <NUMBER> 6
   <NAME> HORACE MANN INTERNATIONAL FUND
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<INVESTMENTS-AT-COST>                            2,211
<INVESTMENTS-AT-VALUE>                           2,320
<RECEIVABLES>                                       29
<ASSETS-OTHER>                                       0
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                   2,349
<PAYABLE-FOR-SECURITIES>                             0
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                            3
<TOTAL-LIABILITIES>                                  3
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                         2,223
<SHARES-COMMON-STOCK>                              223
<SHARES-COMMON-PRIOR>                                0
<ACCUMULATED-NII-CURRENT>                           16
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                            (1)
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                           108
<NET-ASSETS>                                     2,346
<DIVIDEND-INCOME>                                   14
<INTEREST-INCOME>                                    6
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                       4
<NET-INVESTMENT-INCOME>                             16
<REALIZED-GAINS-CURRENT>                           (1)
<APPREC-INCREASE-CURRENT>                          108
<NET-CHANGE-FROM-OPS>                              107
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                            0
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                          1,247
<NUMBER-OF-SHARES-REDEEMED>                         24
<SHARES-REINVESTED>                                  0
<NET-CHANGE-IN-ASSETS>                           1,223
<ACCUMULATED-NII-PRIOR>                              0
<ACCUMULATED-GAINS-PRIOR>                            0
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                                5
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                     13
<AVERAGE-NET-ASSETS>                             2,111
<PER-SHARE-NAV-BEGIN>                            10.00
<PER-SHARE-NII>                                      0
<PER-SHARE-GAIN-APPREC>                            .54
<PER-SHARE-DIVIDEND>                                 0
<PER-SHARE-DISTRIBUTIONS>                            0
<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                              10.54
<EXPENSE-RATIO>                                    .24
<AVG-DEBT-OUTSTANDING>                               0
<AVG-DEBT-PER-SHARE>                                 0
        

</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0001026708
<NAME> HORACE MANN MUTUAL FUNDS
<SERIES>
   <NUMBER> 7
   <NAME> HORACE MANN SOCIALLY RESPONSIBLE FUND
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<INVESTMENTS-AT-COST>                            1,995
<INVESTMENTS-AT-VALUE>                           2,158
<RECEIVABLES>                                       25
<ASSETS-OTHER>                                       0
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                   2,183
<PAYABLE-FOR-SECURITIES>                            88
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                            2
<TOTAL-LIABILITIES>                                 90
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                         1,920
<SHARES-COMMON-STOCK>                              191
<SHARES-COMMON-PRIOR>                                0
<ACCUMULATED-NII-CURRENT>                           10
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                              0
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                           163
<NET-ASSETS>                                     2,093
<DIVIDEND-INCOME>                                   13
<INTEREST-INCOME>                                    1
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                       4
<NET-INVESTMENT-INCOME>                             10
<REALIZED-GAINS-CURRENT>                           (1)
<APPREC-INCREASE-CURRENT>                          163
<NET-CHANGE-FROM-OPS>                              162
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                            0
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                            964
<NUMBER-OF-SHARES-REDEEMED>                         44
<SHARES-REINVESTED>                                  0
<NET-CHANGE-IN-ASSETS>                             920
<ACCUMULATED-NII-PRIOR>                              0
<ACCUMULATED-GAINS-PRIOR>                            0
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                                4
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                     11
<AVERAGE-NET-ASSETS>                             1,879
<PER-SHARE-NAV-BEGIN>                            10.00
<PER-SHARE-NII>                                    .07
<PER-SHARE-GAIN-APPREC>                            .90
<PER-SHARE-DIVIDEND>                                 0
<PER-SHARE-DISTRIBUTIONS>                            0
<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                              10.97
<EXPENSE-RATIO>                                    .27
<AVG-DEBT-OUTSTANDING>                               0
<AVG-DEBT-PER-SHARE>                                 0
        

</TABLE>


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