TIAA CREF MUTUAL FUND
NSAR-A, 1998-08-25
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<PAGE>      PAGE  1
000 A000000 06/30/98
000 C000000 0001030491
000 D000000 N
000 E000000 F
000 F000000 Y
000 G000000 N
000 H000000 N
000 I000000 3.0.a
000 J000000 A
001 A000000 TIAA - CREF MUTUAL FUNDS
001 B000000 811-080550
001 C000000 8002231200
002 A000000 730 THIRD AVENUE
002 B000000 NEW YORK
002 C000000 NY
002 D010000 10017
002 D020000 3206
003  000000 N
004  000000 N
005  000000 N
006  000000 N
007 A000000 Y
007 B000000  6
007 C010100  1
007 C020100 TIAA - CREF MONEY MARKET FUND
007 C030100 N
007 C010200  2
007 C020200 TIAA - CREF BOND PLUS FUND
007 C030200 N
007 C010300  3
007 C020300 TIAA - CREF GROWTH & INCOME FUND
007 C030300 N
007 C010400  4
007 C020400 TIAA - CREF GROWTH EQUITY FUND
007 C030400 N
007 C010500  5
007 C020500 TIAA - CREF INTERNATIONAL EQUITY FUND
007 C030500 N
007 C010600  6
007 C020600 TIAA - CREF MANAGED ALLOCATION FUND
007 C030600 N
007 C010700  7
007 C010800  8
007 C010900  9
007 C011000 10
008 A00AA01 TEACHERS ADVISORS INC
008 B00AA01 A
008 C00AA01 801-46887
008 D01AA01 NEW YORK
008 D02AA01 NY
008 D03AA01 10017
<PAGE>      PAGE  2
010 A00AA01 STATE STREET BANK AND TRUST COMPANY
010 B00AA01 85-05003
010 C01AA01 BOSTON
010 C02AA01 MA
010 C03AA01 02210
011 A00AA01 TEACHERS PERSONAL INVESTORS SERVICES, INC.
011 B00AA01 8-47051
011 C01AA01 NEW YORK
011 C02AA01 NY
011 C03AA01 10017
011 C04AA01 3206
012 A00AA01 STATE STREET BANK AND TRUST COMPANY
012 B00AA01 85-05003
012 C01AA01 BOSTON
012 C02AA01 MA
012 C03AA01 02210
013 A00AA01 ERNST & YOUNG, L.L.P
013 B01AA01 NEW YORK
013 B02AA01 NY
013 B03AA01 10019
014 A00AA01 TEACHERS PERSONAL INVESTORS SERVICES, INC.
014 B00AA01 8-47051
018  00AA00 Y
019 A00AA00 Y
019 B00AA00   15
019 C00AA00 TIAA--CREF
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020 B000001 22-2347336
020 C000001     43
020 A000002 BEAR STEARNS SECURITIES
020 B000002 13-3299429
020 C000002     40
020 A000003 SBC WARBURG DILLON READ
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020 C000003     21
020 A000004 MERRILL LYNCH
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020 C000004     18
020 A000005 MORGAN STANLEY
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020 C000007      7
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020 A000009 BANK AM BELLEVUE ZURICH
<PAGE>      PAGE  3
020 B000009 0000000000
020 C000009      6
020 A000010 BERNSTEIN SANFORD
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020 C000010      6
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022 D000001     19799
022 A000002 GOLDMAN SACHS
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022 C000002    312590
022 D000002     10669
022 A000003 LEHMAN BROS
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022 D000003     69473
022 A000004 REDWOOD SECURITIES
022 B000004 94-3125354
022 C000004    213513
022 D000004         0
022 A000005 CHASE
022 B000005 13-3112953
022 C000005    147960
022 D000005     21067
022 A000006 JP MORGAN SECURITIES
022 B000006 13-3224016
022 C000006    118884
022 D000006      1009
022 A000007 DEUTSCHE MORGAN GRENFELL
022 B000007 13-2730828
022 C000007     32870
022 D000007     50048
022 A000008 MERRILL LYNCH
022 B000008 13-5674085
022 C000008     46935
022 D000008     21081
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022 C000009     36740
022 D000009     18509
022 A000010 PRUDENTIAL SECURITIES
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022 C000010     30846
022 D000010     12952
023 C000000    2016633
023 D000000     313650
026 A000000 N
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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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015 A000201 STATE STREET BANK AND TRUST COMPANY
015 B000201 C
015 C010201 BOSTON
<PAGE>      PAGE  10
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015 C030201 02105
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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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015 A000301 STATE STREET BANK AND TRUST COMPANY
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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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015 C020401 MA
015 C030401 02105
015 E010401 X
015 A000402 CANADA TRUSTCO MORTGAGE COMPANY
015 B000402 S
015 C010402 TORONTO
015 D010402 CANADA
015 E040402 X
<PAGE>      PAGE  19
015 A000403 MEESPIERSON N.V.
015 B000403 S
015 C010403 AMSTERDAM
015 D010403 NETHERLANDS
015 E040403 X
015 A000404 UNION BANK OF SWITZERLAND AG
015 B000404 S
015 C010404 ZURICH
015 D010404 SWITZERLAND
015 E040404 X
024  000400 Y
025 A000401 MERRILL LYNCH
025 B000401 13-5674085
025 C000401 E
025 D000401     166
025 A000402 MORGAN STANLEY
025 B000402 13-2655998
025 C000402 E
025 D000402      73
025 A000403 DELETE
025 D000403       0
025 D000404       0
025 D000405       0
025 D000406       0
025 D000407       0
025 D000408       0
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028 A020400         0
028 A030400         0
028 A040400       504
028 B010400      8559
028 B020400         0
028 B030400         0
028 B040400       392
028 C010400     15288
028 C020400         0
028 C030400         0
028 C040400       374
028 D010400     16322
028 D020400         0
028 D030400         0
028 D040400       682
028 E010400     14185
028 E020400         0
028 E030400         0
028 E040400      1061
028 F010400     13862
028 F020400         0
028 F030400         0
028 F040400      1630
028 G010400     77688
<PAGE>      PAGE  20
028 G020400         0
028 G030400         0
028 G040400      4643
028 H000400         0
045  000400 Y
046  000400 N
047  000400 Y
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048 A020400 0.000
048 B010400        0
048 B020400 0.000
048 C010400        0
048 C020400 0.000
048 D010400        0
048 D020400 0.000
048 E010400        0
048 E020400 0.000
048 F010400        0
048 F020400 0.000
048 G010400        0
048 G020400 0.000
048 H010400        0
048 H020400 0.000
048 I010400        0
048 I020400 0.000
048 J010400        0
048 J020400 0.000
048 K010400        0
048 K020400 0.000
058 A000400 N
059  000400 Y
060 A000400 Y
060 B000400 Y
061  000400      250
062 A000400 N
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062 C000400   0.0
062 D000400   0.0
062 E000400   0.0
062 F000400   0.0
062 G000400   0.0
062 H000400   0.0
062 I000400   0.0
062 J000400   0.0
062 K000400   0.0
062 L000400   0.0
062 M000400   0.0
062 N000400   0.0
062 O000400   0.0
062 P000400   0.0
<PAGE>      PAGE  21
062 Q000400   0.0
062 R000400   0.0
063 A000400   0
063 B000400  0.0
066 A000400 Y
066 B000400 N
066 C000400 Y
066 D000400 N
066 E000400 N
066 F000400 N
066 G000400 N
067  000400 N
068 A000400 N
068 B000400 N
069  000400 N
070 A010400 Y
070 A020400 N
070 B010400 Y
070 B020400 N
070 C010400 Y
070 C020400 N
070 D010400 Y
070 D020400 N
070 E010400 Y
070 E020400 N
070 F010400 Y
070 F020400 N
070 G010400 Y
070 G020400 N
070 H010400 Y
070 H020400 N
070 I010400 Y
070 I020400 N
070 J010400 Y
070 J020400 N
070 K010400 Y
070 K020400 N
070 L010400 Y
070 L020400 Y
070 M010400 Y
070 M020400 Y
070 N010400 Y
070 N020400 N
070 O010400 Y
070 O020400 N
070 P010400 N
070 P020400 N
070 Q010400 Y
070 Q020400 N
070 R010400 Y
070 R020400 N
<PAGE>      PAGE  22
071 A000400     84783
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072 E000400        0
072 F000400      503
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072 H000400        0
072 I000400        0
072 J000400        0
072 K000400        0
072 L000400        0
072 M000400        1
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072 O000400        0
072 P000400        0
072 Q000400        0
072 R000400        0
072 S000400        0
072 T000400        0
072 U000400        0
072 V000400        0
072 W000400        0
072 X000400      504
072 Y000400      265
072 Z000400      229
072AA000400     1630
072BB000400       60
072CC010400    17366
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072DD010400        0
072DD020400        0
072EE000400        0
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073 A020400   0.0000
073 B000400   0.0000
073 C000400   0.0000
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074 B000400        0
074 C000400     1325
074 D000400        0
074 E000400       12
074 F000400   156249
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074 H000400        0
074 I000400        0
074 J000400        0
<PAGE>      PAGE  23
074 K000400        0
074 L000400      534
074 M000400        0
074 N000400   158150
074 O000400     1362
074 P000400       53
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074 R020400        0
074 R030400        0
074 R040400       38
074 S000400        0
074 T000400   156697
074 U010400    12828
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074 W000400   0.0000
074 X000400    20765
074 Y000400        0
075 A000400        0
075 B000400   106686
076  000400     0.00
015 A000501 STATE STREET BANK AND TRUST COMPANY
015 B000501 C
015 C010501 BOSTON
015 C020501 MA
015 C030501 02105
015 E010501 X
015 A000502 WESTPAC BANKING CORPORATIN
015 B000502 S
015 C010502 SYDNEY
015 D010502 AUSTRALIA
015 E040502 X
015 A000503 ERSTE BANK DER OESTERREICHISCHEN SPARKASEN AG
015 B000503 S
015 C010503 VIENNA
015 D010503 AUSTRIA
015 E040503 X
015 A000504 GENERALE BANK
015 B000504 S
015 C010504 BRUSSELS
015 D010504 BELGIUM
015 E040504 X
015 A000505 DEN DANSKE BANK
015 B000505 S
015 C010505 COPENHAGEN
015 D010505 DENMARK
015 E040505 X
015 A000506 MERITA BANK LIMITED
015 B000506 S
<PAGE>      PAGE  24
015 C010506 HELSINKI
015 D010506 FINLAND
015 E040506 X
015 A000507 BANQUE PARIBAS
015 B000507 S
015 C010507 PARIS
015 D010507 FRANCE
015 E040507 X
015 A000508 DRESDNER BANK AG
015 B000508 S
015 C010508 FRANKFURT
015 D010508 GERMANY
015 E040508 X
015 A000509 STANDARD CHARTERED BANK
015 B000509 S
015 C010509 HONG KONG
015 D010509 HONG KONG
015 E040509 X
015 A000510 BANK OF IRELAND
015 B000510 S
015 C010510 DUBLIN
015 D010510 IRELAND
015 E040510 X
015 A000511 BANQUE PARIBAS
015 B000511 S
015 C010511 MILAN
015 D010511 ITALY
015 E040511 X
015 A000512 THE DAIWA BANK, LIMITED
015 B000512 S
015 C010512 TOKYO
015 D010512 JAPAN
015 E040512 X
015 A000513 STANDARD CHARTERED BANK MALAYSIA BERHAD
015 B000513 S
015 C010513 KUALA LUMPUR
015 D010513 MALAYSIA
015 E040513 X
015 A000514 MEESPIERSON N.V.
015 B000514 S
015 C010514 AMSTERDAM
015 D010514 NETHERLANDS
015 E040514 X
015 A000515 ANZ BANKING GROUP (NEW ZEALAND) LIMITED
015 B000515 S
015 C010515 WELLINGTON
015 D010515 NEW ZEALAND
015 E040515 X
015 A000516 CHRISTIANIA BANK OG KREDITKASSE
015 B000516 S
015 C010516 OSLO
<PAGE>      PAGE  25
015 D010516 NORWAY
015 E040516 X
015 A000517 BANCO COMERCIAL PORTUGUES
015 B000517 S
015 C010517 LISBON
015 D010517 PORTUGAL
015 E040517 X
015 A000518 THE DEVELOPMENT BANK OF SINGAPORE LTD.
015 B000518 S
015 C010518 SINGAPORE
015 D010518 SINGAPORE
015 E040518 X
015 A000519 BANCO SANTANDER, S.A.
015 B000519 S
015 C010519 MADRID
015 D010519 SPAIN
015 E040519 X
015 A000520 SKANDINAVISKA ENSKILDA BANKEN
015 B000520 S
015 C010520 STOCKHOLM
015 D010520 SWEDEN
015 E040520 X
015 A000521 UNION BANK OF SWITZERLAND AG
015 B000521 S
015 C010521 ZURICH
015 D010521 SWITZERLAND
015 E040521 X
015 A000522 STATE STREET BANK AND TRUST COMPANY
015 B000522 S
015 C010522 LONDON
015 D010522 UNITED KINGDOM
015 E040522 X
015 A000523 CANADA TRUSTCO MORTGAGE COMPANY
015 B000523 S
015 C010523 TORONTO
015 D010523 CANADA
015 E040523 X
024  000500 Y
025 A000501 ABN AMRO HOAKE GOVETT
025 B000501 13-3227945
025 C000501 E
025 D000501     262
025 A000502 DELETE
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025 D000503       0
025 D000504       0
025 D000505       0
025 D000506       0
025 D000507       0
025 D000508       0
028 A010500      2267
<PAGE>      PAGE  26
028 A020500         0
028 A030500         0
028 A040500        33
028 B010500      1928
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028 B030500         0
028 B040500        92
028 C010500      4147
028 C020500         0
028 C030500         0
028 C040500       297
028 D010500      7432
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028 D030500         0
028 D040500       492
028 E010500      3946
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028 E030500         0
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028 F010500      6139
028 F020500         0
028 F030500         0
028 F040500       728
028 G010500     25859
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028 G030500         0
028 G040500      2099
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045  000500 Y
046  000500 N
047  000500 Y
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048 G020500 0.000
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048 I020500 0.000
048 J010500        0
<PAGE>      PAGE  27
048 J020500 0.000
048 K010500        0
048 K020500 0.000
058 A000500 N
059  000500 Y
060 A000500 Y
060 B000500 Y
061  000500      250
062 A000500 N
062 B000500   0.0
062 C000500   0.0
062 D000500   0.0
062 E000500   0.0
062 F000500   0.0
062 G000500   0.0
062 H000500   0.0
062 I000500   0.0
062 J000500   0.0
062 K000500   0.0
062 L000500   0.0
062 M000500   0.0
062 N000500   0.0
062 O000500   0.0
062 P000500   0.0
062 Q000500   0.0
062 R000500   0.0
063 A000500   0
063 B000500  0.0
066 A000500 Y
066 B000500 N
066 C000500 Y
066 D000500 N
066 E000500 N
066 F000500 N
066 G000500 N
067  000500 N
068 A000500 N
068 B000500 Y
069  000500 N
070 A010500 Y
070 A020500 N
070 B010500 Y
070 B020500 N
070 C010500 Y
070 C020500 N
070 D010500 Y
070 D020500 N
070 E010500 Y
070 E020500 N
070 F010500 Y
070 F020500 N
<PAGE>      PAGE  28
070 G010500 Y
070 G020500 N
070 H010500 Y
070 H020500 N
070 I010500 Y
070 I020500 N
070 J010500 Y
070 J020500 Y
070 K010500 Y
070 K020500 N
070 L010500 Y
070 L020500 Y
070 M010500 Y
070 M020500 Y
070 N010500 Y
070 N020500 N
070 O010500 Y
070 O020500 N
070 P010500 N
070 P020500 N
070 Q010500 Y
070 Q020500 N
070 R010500 Y
070 R020500 N
071 A000500     27885
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<PAGE>      PAGE  29
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076  000500     0.00
015 A000601 STATE STREET BANK AND TRUST COMPANY
015 B000601 C
015 C010601 BOSTON
015 C020601 MA
<PAGE>      PAGE  30
015 C030601 02105
015 E010601 X
024  000600 N
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048 B020600 0.000
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048 D010600        0
<PAGE>      PAGE  31
048 D020600 0.000
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069  000600 N
<PAGE>      PAGE  32
070 A010600 Y
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070 E010600 N
070 E020600 N
070 F010600 N
070 F020600 N
070 G010600 N
070 G020600 N
070 H010600 N
070 H020600 N
070 I010600 N
070 I020600 N
070 J010600 Y
070 J020600 N
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070 K020600 Y
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070 L020600 N
070 M010600 N
070 M020600 N
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071 A000600     49996
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<PAGE>      PAGE  33
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<PAGE>      PAGE  34
074 V010600    11.16
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074 X000600    11282
074 Y000600        0
075 A000600        0
075 B000600    85282
076  000600     0.00
SIGNATURE   THOMAS LYNCH                                 
TITLE       VICE PRESIDENT      
 


<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0001030491
<NAME> TIAA - CREF MUTUAL FUNDS
<SERIES>
   <NUMBER> 01
   <NAME> MONEY MARKET
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
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<DIVIDEND-INCOME>                                    0
<INTEREST-INCOME>                              2523093
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                  128615
<NET-INVESTMENT-INCOME>                        2394478
<REALIZED-GAINS-CURRENT>                            64
<APPREC-INCREASE-CURRENT>                            0
<NET-CHANGE-FROM-OPS>                          2394542
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                    (2394478)
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                       87643421
<NUMBER-OF-SHARES-REDEEMED>                 (33500696)
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<ACCUMULATED-NII-PRIOR>                              0
<ACCUMULATED-GAINS-PRIOR>                            0
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<OVERDIST-NET-GAINS-PRIOR>                           0
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<GROSS-EXPENSE>                                 349451
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<PER-SHARE-NII>                                   0.03
<PER-SHARE-GAIN-APPREC>                              0
<PER-SHARE-DIVIDEND>                            (0.03)
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<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                               1.00
<EXPENSE-RATIO>                                   0.14
<AVG-DEBT-OUTSTANDING>                               0
<AVG-DEBT-PER-SHARE>                                 0
        

</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0001030491
<NAME> TIAA - CREF MUTUAL FUNDS
<SERIES>
   <NUMBER> 02
   <NAME> BOND PLUS
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<INVESTMENTS-AT-COST>                        115738494
<INVESTMENTS-AT-VALUE>                       116484027
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</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0001030491
<NAME> TIAA - CREF MUTUAL FUNDS
<SERIES>
   <NUMBER> 03
   <NAME> GROWTH & INCOME
       
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</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0001030491
<NAME> TIAA - CREF MUTUAL FUNDS
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   <NUMBER> 04
   <NAME> GROWTH EQUITY
       
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</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0001030491
<NAME> TIAA - CREF MUTUAL FUNDS
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   <NAME> INTERNATIONAL EQUITY
       
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</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0001030491
<NAME> TIAA - CREF MUTUAL FUNDS
<SERIES>
   <NUMBER> 06
   <NAME> MANAGED ALLOCATION
       
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</TABLE>


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