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<PAGE> PAGE 2
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<PAGE> PAGE 3
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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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SIGNATURE BONNIE CARDARELLI
TITLE MANAGER
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<NAME> SUN CAPITAL ADVISERS TRUST
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<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 0
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 28,001
<AVERAGE-NET-ASSETS> 9,966,161
<PER-SHARE-NAV-BEGIN> 10.00
<PER-SHARE-NII> 0.03
<PER-SHARE-GAIN-APPREC> (0.03)
<PER-SHARE-DIVIDEND> 0.00
<PER-SHARE-DISTRIBUTIONS> (0.03)
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 9.97
<EXPENSE-RATIO> .75
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0001065698
<NAME> SUN CAPITAL ADVISERS TRUST
<SERIES>
<NUMBER> 3
<NAME> SUN CAPITAL MONEY MARKET FUND
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1998
<PERIOD-END> DEC-31-1998
<INVESTMENTS-AT-COST> 0
<INVESTMENTS-AT-VALUE> 2,496,998
<RECEIVABLES> 27,298
<ASSETS-OTHER> 8,987
<OTHER-ITEMS-ASSETS> 3,730
<TOTAL-ASSETS> 2,537,013
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 27,360
<TOTAL-LIABILITIES> 27,360
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 2,509,680
<SHARES-COMMON-STOCK> 0
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (27)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 2,509,653
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 8,795
<OTHER-INCOME> 0
<EXPENSES-NET> 1,114
<NET-INVESTMENT-INCOME> 7,681
<REALIZED-GAINS-CURRENT> (27)
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 7,654
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (7,681)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 2,462,000
<NUMBER-OF-SHARES-REDEEMED> 0
<SHARES-REINVESTED> 7,680
<NET-CHANGE-IN-ASSETS> 2,469,680
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 0
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 21,064
<AVERAGE-NET-ASSETS> 2,501,346
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> 0.00
<PER-SHARE-GAIN-APPREC> 0.00
<PER-SHARE-DIVIDEND> 0.00
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> .65
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
INDEPENDENT AUDITORS' REPORT
To the Trustees and Shareholders of Sun Capital Advisers Trust
In planning and performing our audit of the financial statements of Sun
Capital Advisers Trust (the "Trust") (including the Sun Capital Money
Market Fund, the Sun Capital Investment Grade Bond Fund and the Sun
Capital Real Estate Fund) for the period from December 7, 1998
(commencement of operations) to December 31, 1998 (on which we have
issued our report dated February 4, 1999), we considered its 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, and not to provide assurance on the Trust's
internal control.
The management of the Trust 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 any internal control, misstatements
due error or fraud may occur and not be detected. Also, projections of
any evaluation of internal control to future periods are subject to the
risk that the internal control may become inadequate because of changes
in conditions or that the degree of compliance with policies or
procedures deteriorate.
Our consideration of the Trust's 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
misstatements 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 the Trust's internal control and its operation, including
controls for safeguarding securities, that we consider to be material
weaknesses as defined above as of December 31, 1998.
This report is intended solely for the information and use of
management, the Board of Directors of Sun Capital Advisers Trust, and
the Securities and Exchange Commission and is not intended to be and
should not be used by anyone other than these specified parties.
DELOITTE & TOUCHE LLP
February 4, 1999
