<PAGE> PAGE 1
000 A000000 03/31/2000
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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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SIGNATURE EDWARD L. JAROSKI
TITLE PRESIDENT
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 1
<NAME> Short Term Bond Fund
<S> <C>
<PERIOD-TYPE> 6-MOS
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<PERIOD-START> OCT-01-1999
<PERIOD-END> MAR-31-2000
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<OTHER-ITEMS-LIABILITIES> 17,081
<TOTAL-LIABILITIES> 17,081
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 26,936,751
<SHARES-COMMON-STOCK> 0
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 34,398
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (135,855)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> (396,245)
<NET-ASSETS> 26,439,052
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 744,947
<OTHER-INCOME> 0
<EXPENSES-NET> 67,646
<NET-INVESTMENT-INCOME> 677,301
<REALIZED-GAINS-CURRENT> (97,752)
<APPREC-INCREASE-CURRENT> (143,083)
<NET-CHANGE-FROM-OPS> 436,466
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 667,523
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 10,607
<NUMBER-OF-SHARES-REDEEMED> 5,416
<SHARES-REINVESTED> 25,029
<NET-CHANGE-IN-ASSETS> 511,216
<ACCUMULATED-NII-PRIOR> 765,470
<ACCUMULATED-GAINS-PRIOR> (38,104)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 19,505
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 67,646
<AVERAGE-NET-ASSETS> 26,009,431
<PER-SHARE-NAV-BEGIN> 24.68
<PER-SHARE-NII> 0.52
<PER-SHARE-GAIN-APPREC> (0.13)
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 2
<NAME> Bond Fund
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> SEP-30-2000
<PERIOD-START> OCT-01-1999
<PERIOD-END> MAR-31-2000
<INVESTMENTS-AT-COST> 69,764,531
<INVESTMENTS-AT-VALUE> 65,649,669
<RECEIVABLES> 991,774
<ASSETS-OTHER> 8,589
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 66,650,032
<PAYABLE-FOR-SECURITIES> 259,278
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 26,732
<TOTAL-LIABILITIES> 286,010
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 70,527,448
<SHARES-COMMON-STOCK> 0
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 88,060
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (136,624)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> (4,114,862)
<NET-ASSETS> 66,364,022
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 1,859,447
<OTHER-INCOME> 0
<EXPENSES-NET> 123,479
<NET-INVESTMENT-INCOME> 1,735,968
<REALIZED-GAINS-CURRENT> (2,405)
<APPREC-INCREASE-CURRENT> (288,459)
<NET-CHANGE-FROM-OPS> 1,445,104
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<DISTRIBUTIONS-OF-INCOME> 1,710,693
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 263,315
<NUMBER-OF-SHARES-REDEEMED> 3,765
<SHARES-REINVESTED> 12,205
<NET-CHANGE-IN-ASSETS> 6,020,329
<ACCUMULATED-NII-PRIOR> 2,889,613
<ACCUMULATED-GAINS-PRIOR> (134,219)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 48,053
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 123,479
<AVERAGE-NET-ASSETS> 64,102,795
<PER-SHARE-NAV-BEGIN> 23.36
<PER-SHARE-NII> 0.45
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<PER-SHARE-DISTRIBUTIONS> 0.59
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 23.22
<EXPENSE-RATIO> 0.63
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 3
<NAME> Large Cap Equity Fund
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> SEP-30-2000
<PERIOD-START> OCT-01-1999
<PERIOD-END> MAR-31-2000
<INVESTMENTS-AT-COST> 149,322,152
<INVESTMENTS-AT-VALUE> 167,422,069
<RECEIVABLES> 237,920
<ASSETS-OTHER> 7,042
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 167,667,031
<PAYABLE-FOR-SECURITIES> 451,838
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 13,147
<TOTAL-LIABILITIES> 464,985
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 145,035,816
<SHARES-COMMON-STOCK> 0
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 17,079
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 4,049,234
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 18,099,917
<NET-ASSETS> 167,202,046
<DIVIDEND-INCOME> 838,007
<INTEREST-INCOME> 17,316
<OTHER-INCOME> 0
<EXPENSES-NET> 234,071
<NET-INVESTMENT-INCOME> 621,252
<REALIZED-GAINS-CURRENT> 4,115,658
<APPREC-INCREASE-CURRENT> 18,347,749
<NET-CHANGE-FROM-OPS> 23,084,659
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 629,814
<DISTRIBUTIONS-OF-GAINS> 3,645,308
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 664,589
<NUMBER-OF-SHARES-REDEEMED> 226,493
<SHARES-REINVESTED> 18,050
<NET-CHANGE-IN-ASSETS> 34,720,173
<ACCUMULATED-NII-PRIOR> 649,519
<ACCUMULATED-GAINS-PRIOR> 3,578,884
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 108,423
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 234,071
<AVERAGE-NET-ASSETS> 144,754,157
<PER-SHARE-NAV-BEGIN> 31.75
<PER-SHARE-NII> 0.09
<PER-SHARE-GAIN-APPREC> 5.26
<PER-SHARE-DIVIDEND> 0.13
<PER-SHARE-DISTRIBUTIONS> 0.88
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 36.09
<EXPENSE-RATIO> 0.57
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 4
<NAME> Small Cap Equity Fund
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> SEP-30-2000
<PERIOD-START> OCT-01-1999
<PERIOD-END> MAR-31-2000
<INVESTMENTS-AT-COST> 62,393,285
<INVESTMENTS-AT-VALUE> 78,083,567
<RECEIVABLES> 34,735
<ASSETS-OTHER> 8,612
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 78,126,914
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 18,057
<TOTAL-LIABILITIES> 18,057
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 60,291,895
<SHARES-COMMON-STOCK> 0
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 5,427
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 2,121,253
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 15,690,282
<NET-ASSETS> 78,108,857
<DIVIDEND-INCOME> 268,877
<INTEREST-INCOME> 6,840
<OTHER-INCOME> 0
<EXPENSES-NET> 132,376
<NET-INVESTMENT-INCOME> 143,341
<REALIZED-GAINS-CURRENT> 3,072,521
<APPREC-INCREASE-CURRENT> 9,712,293
<NET-CHANGE-FROM-OPS> 12,928,155
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 140,036
<DISTRIBUTIONS-OF-GAINS> 3,484,677
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 112,106
<NUMBER-OF-SHARES-REDEEMED> 107,925
<SHARES-REINVESTED> 26,277
<NET-CHANGE-IN-ASSETS> 10,536,586
<ACCUMULATED-NII-PRIOR> 347,618
<ACCUMULATED-GAINS-PRIOR> 2,533,409
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 53,800
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 132,376
<AVERAGE-NET-ASSETS> 71,789,568
<PER-SHARE-NAV-BEGIN> 29.17
<PER-SHARE-NII> 0.02
<PER-SHARE-GAIN-APPREC> 5.66
<PER-SHARE-DIVIDEND> 0.03
<PER-SHARE-DISTRIBUTIONS> 1.55
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 33.27
<EXPENSE-RATIO> 0.62
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 5
<NAME> International Equity Fund
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> SEP-30-2000
<PERIOD-START> OCT-01-1999
<PERIOD-END> MAR-31-2000
<INVESTMENTS-AT-COST> 42,377,456
<INVESTMENTS-AT-VALUE> 45,150,554
<RECEIVABLES> 13,709
<ASSETS-OTHER> 2,074,224
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 47,238,487
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 12,300
<TOTAL-LIABILITIES> 12,300
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 39,463,216
<SHARES-COMMON-STOCK> 0
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 37,285
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 4,883,351
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 2,842,335
<NET-ASSETS> 47,226,187
<DIVIDEND-INCOME> 87,209
<INTEREST-INCOME> 724,005
<OTHER-INCOME> 0
<EXPENSES-NET> 90,089
<NET-INVESTMENT-INCOME> 721,125
<REALIZED-GAINS-CURRENT> 4,217,589
<APPREC-INCREASE-CURRENT> 905,730
<NET-CHANGE-FROM-OPS> 5,844,444
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 704,894
<DISTRIBUTIONS-OF-GAINS> 4,703,162
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 152,293
<NUMBER-OF-SHARES-REDEEMED> 399
<SHARES-REINVESTED> 10,644
<NET-CHANGE-IN-ASSETS> 5,377,969
<ACCUMULATED-NII-PRIOR> 1,341,924
<ACCUMULATED-GAINS-PRIOR> 7,237,233
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 32,186
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 90,089
<AVERAGE-NET-ASSETS> 42,949,990
<PER-SHARE-NAV-BEGIN> 30.54
<PER-SHARE-NII> 0.44
<PER-SHARE-GAIN-APPREC> 3.73
<PER-SHARE-DIVIDEND> 0.49
<PER-SHARE-DISTRIBUTIONS> 3.43
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 30.79
<EXPENSE-RATIO> 0.67
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 6
<NAME> Money Market Fund
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> SEP-30-2000
<PERIOD-START> OCT-01-1999
<PERIOD-END> MAR-31-2000
<INVESTMENTS-AT-COST> 19,487,092
<INVESTMENTS-AT-VALUE> 19,487,092
<RECEIVABLES> 6,404
<ASSETS-OTHER> 5,477
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 19,498,973
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 19,212
<TOTAL-LIABILITIES> 19,212
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 19,479,761
<SHARES-COMMON-STOCK> 0
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 19,479,761
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 601,894
<OTHER-INCOME> 0
<EXPENSES-NET> 45,601
<NET-INVESTMENT-INCOME> 0
<REALIZED-GAINS-CURRENT> 0
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 556,293
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 556,293
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 4,113,863
<NUMBER-OF-SHARES-REDEEMED> 8,344,289
<SHARES-REINVESTED> 525,724
<NET-CHANGE-IN-ASSETS> (3,704,702)
<ACCUMULATED-NII-PRIOR> 1,102,144
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 10,798
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 53,414
<AVERAGE-NET-ASSETS> 21,357,545
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> 0.03
<PER-SHARE-GAIN-APPREC> 0.00
<PER-SHARE-DIVIDEND> 0.00
<PER-SHARE-DISTRIBUTIONS> 0.03
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> 0.60
</TABLE>
