TIAA CREF INSTITUTIONAL MUTUAL FUNDS
NSAR-A, 2000-05-26
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<PAGE>      PAGE  1
000 A000000 03/31/2000
000 C000000 0001084380
000 D000000 N
000 E000000 NF
000 F000000 Y
000 G000000 N
000 H000000 N
000 I000000 6.1
000 J000000 A
001 A000000 TIAA-CREF INSTITUTIONAL FUNDS
001 B000000 811-09301
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  7
007 C010100  1
007 C020100 TIAA-CREF INSTITUTIONAL INTL EQUITY FUND
007 C030100 N
007 C010200  2
007 C020200 TIAA-CREF INSTITUTIONAL GROWTH EQUITY FUND
007 C030200 N
007 C010300  3
007 C020300 TIAA-CREF INSTITUTIONAL GROWTH AND INCOME
007 C030300 N
007 C010400  4
007 C020400 TIAA-CREF INSTITUTIONAL EQUITY INDEX FUND
007 C030400 N
007 C010500  5
007 C020500 TIAA-CREF INSTITUTIONAL SOCIAL CHOICE EQUITY
007 C030500 N
007 C010600  6
007 C020600 TIAA-CREF INSTITUTIONAL BOND FUND
007 C030600 N
007 C010700  7
007 C020700 TIAA-CREF INSTITUTIONAL MONEY MARKET FUND
007 C030700 N
007 C010800  8
007 C010900  9
007 C011000 10
007 C011100 11
007 C011200 12
007 C011300 13
007 C011400 14
<PAGE>      PAGE  2
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<PAGE>      PAGE  3
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011 A00AA02 TIAA-CREF INDIVIDUAL & INSTIT SERVICES, INC.
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<PAGE>      PAGE  4
013 A00AA01 ERNST & YOUNG, L.L.P.
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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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018  00AA00 Y
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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
058 A000200 N
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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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045  000300 Y
<PAGE>      PAGE  20
046  000300 N
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048 B020300 0.000
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048 F020300 0.000
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048 H020300 0.000
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048 I020300 0.000
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<PAGE>      PAGE  21
066 D000300 N
066 E000300 Y
066 F000300 N
066 G000300 N
067  000300 N
068 A000300 N
068 B000300 N
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070 B010300 Y
070 B020300 N
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070 C020300 N
070 D010300 Y
070 D020300 N
070 E010300 Y
070 E020300 N
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070 F020300 N
070 G010300 Y
070 G020300 N
070 H010300 Y
070 H020300 N
070 I010300 Y
070 I020300 N
070 J010300 Y
070 J020300 N
070 K010300 Y
070 K020300 N
070 L010300 Y
070 L020300 N
070 M010300 Y
070 M020300 Y
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070 N020300 N
070 O010300 Y
070 O020300 N
070 P010300 Y
070 P020300 N
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070 Q020300 N
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070 R020300 N
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<PAGE>      PAGE  22
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<PAGE>      PAGE  23
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<PAGE>      PAGE  24
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<PAGE>      PAGE  25
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<PAGE>      PAGE  26
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070 H020400 N
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070 I020400 N
070 J010400 Y
070 J020400 N
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<PAGE>      PAGE  27
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<PAGE>      PAGE  28
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<PAGE>      PAGE  29
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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
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<PAGE>      PAGE  36
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076  000600     0.00
024  000700 N
025 D000701       0
025 D000702       0
025 D000703       0
025 D000704       0
025 D000705       0
025 D000706       0
025 D000707       0
025 D000708       0
028 A010700      1892
028 A020700       107
028 A030700         0
028 A040700      1812
028 B010700       707
028 B020700       124
<PAGE>      PAGE  37
028 B030700         0
028 B040700       260
028 C010700      8243
028 C020700       121
028 C030700         0
028 C040700      7831
028 D010700      2133
028 D020700        99
028 D030700         0
028 D040700      2003
028 E010700      1445
028 E020700        94
028 E030700         0
028 E040700      3635
028 F010700      4666
028 F020700       103
028 F030700         0
028 F040700      4506
028 G010700     19086
028 G020700       648
028 G030700         0
028 G040700     20047
028 H000700         0
045  000700 Y
046  000700 N
047  000700 Y
048  000700  0.150
048 A010700        0
048 A020700 0.000
048 B010700        0
048 B020700 0.000
048 C010700        0
048 C020700 0.000
048 D010700        0
048 D020700 0.000
048 E010700        0
048 E020700 0.000
048 F010700        0
048 F020700 0.000
048 G010700        0
048 G020700 0.000
048 H010700        0
048 H020700 0.000
048 I010700        0
048 I020700 0.000
048 J010700        0
048 J020700 0.000
048 K010700        0
048 K020700 0.000
058 A000700 N
059  000700 Y
<PAGE>      PAGE  38
060 A000700 Y
060 B000700 Y
061  000700        0
062 A000700 Y
062 B000700   0.0
062 C000700   2.5
062 D000700   0.0
062 E000700   0.0
062 F000700   0.0
062 G000700   0.0
062 H000700   0.0
062 I000700  97.7
062 J000700   0.0
062 K000700   0.0
062 L000700   0.0
062 M000700   0.0
062 N000700   0.0
062 O000700   0.0
062 P000700   0.0
062 Q000700   0.0
062 R000700   0.0
063 A000700  48
063 B000700  0.0
064 A000700 N
064 B000700 N
066 A000700 N
067  000700 N
068 A000700 N
068 B000700 N
069  000700 N
070 A010700 Y
070 A020700 N
070 B010700 Y
070 B020700 N
070 C010700 Y
070 C020700 N
070 D010700 Y
070 D020700 N
070 E010700 Y
070 E020700 N
070 F010700 Y
070 F020700 N
070 G010700 Y
070 G020700 N
070 H010700 Y
070 H020700 N
070 I010700 Y
070 I020700 N
070 J010700 Y
070 J020700 N
070 K010700 Y
<PAGE>      PAGE  39
070 K020700 N
070 L010700 Y
070 L020700 N
070 M010700 Y
070 M020700 N
070 N010700 Y
070 N020700 N
070 O010700 Y
070 O020700 N
070 P010700 N
070 P020700 N
070 Q010700 Y
070 Q020700 N
070 R010700 Y
070 R020700 N
071 A000700         0
071 B000700         0
071 C000700         0
071 D000700    0
072 A000700  6
072 B000700      753
072 C000700        0
072 D000700        0
072 E000700        0
072 F000700       13
072 G000700       36
072 H000700        0
072 I000700        9
072 J000700       36
072 K000700        0
072 L000700        3
072 M000700        0
072 N000700        4
072 O000700        0
072 P000700        0
072 Q000700        0
072 R000700        9
072 S000700        2
072 T000700        0
072 U000700        0
072 V000700        0
072 W000700        1
072 X000700      113
072 Y000700       92
072 Z000700      732
072AA000700        0
072BB000700        0
072CC010700        0
072CC020700        0
072DD010700      732
072DD020700        0
<PAGE>      PAGE  40
072EE000700        0
073 A010700   0.0300
073 A020700   0.0000
073 B000700   0.0000
073 C000700   0.0000
074 A000700       28
074 B000700        0
074 C000700    25121
074 D000700        0
074 E000700        0
074 F000700        0
074 G000700        0
074 H000700        0
074 I000700        0
074 J000700        0
074 K000700       15
074 L000700        7
074 M000700        0
074 N000700    25171
074 O000700        0
074 P000700        0
074 Q000700        0
074 R010700        0
074 R020700        0
074 R030700        0
074 R040700      105
074 S000700        0
074 T000700    25066
074 U010700    25066
074 U020700        0
074 V010700     1.00
074 V020700     0.00
074 W000700   0.9999
074 X000700        2
074 Y000700        0
075 A000700    25864
075 B000700        0
076  000700     0.00
SIGNATURE   CAROLYN THOMSON
TITLE       FUND ADMIN MGR


WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0001084380
<NAME> VM1P

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-2000
<PERIOD-END>                               MAR-31-2000
<INVESTMENTS-AT-COST>                         48454013
<INVESTMENTS-AT-VALUE>                        56764125
<RECEIVABLES>                                  1523979
<ASSETS-OTHER>                                  283405
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                58571509
<PAYABLE-FOR-SECURITIES>                       1011317
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                      1007556
<TOTAL-LIABILITIES>                            2018873
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                      41944726
<SHARES-COMMON-STOCK>                          3649502
<SHARES-COMMON-PRIOR>                          2576163
<ACCUMULATED-NII-CURRENT>                        42458
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                        6254336
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                       8311116
<NET-ASSETS>                                  56552636
<DIVIDEND-INCOME>                               116730
<INTEREST-INCOME>                                16610
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                   58263
<NET-INVESTMENT-INCOME>                          75077
<REALIZED-GAINS-CURRENT>                       6357782
<APPREC-INCREASE-CURRENT>                      6816271
<NET-CHANGE-FROM-OPS>                         13249130
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                       126361
<DISTRIBUTIONS-OF-GAINS>                        185381
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                        2745747
<NUMBER-OF-SHARES-REDEEMED>                    1639972
<SHARES-REINVESTED>                              15694
<NET-CHANGE-IN-ASSETS>                        29080473
<ACCUMULATED-NII-PRIOR>                          93742
<ACCUMULATED-GAINS-PRIOR>                        81935
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                            54245
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                 164958
<AVERAGE-NET-ASSETS>                          40181460
<PER-SHARE-NAV-BEGIN>                            10.66
<PER-SHARE-NII>                                   0.02
<PER-SHARE-GAIN-APPREC>                           4.94
<PER-SHARE-DIVIDEND>                            (0.05)
<PER-SHARE-DISTRIBUTIONS>                       (0.07)
<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                              15.50
<EXPENSE-RATIO>                                    .15
[AVG-DEBT-OUTSTANDING]                               0
[AVG-DEBT-PER-SHARE]                                 0


</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0001084380
<NAME> GROWTH EQUITY

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-2000
<PERIOD-END>                               MAR-31-2000
<INVESTMENTS-AT-COST>                         71337533
<INVESTMENTS-AT-VALUE>                        87017567
<RECEIVABLES>                                   396649
<ASSETS-OTHER>                                    2715
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                87416931
<PAYABLE-FOR-SECURITIES>                       2683064
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                        59257
<TOTAL-LIABILITIES>                            2742321
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                      69832210
<SHARES-COMMON-STOCK>                          6236039
<SHARES-COMMON-PRIOR>                          3010648
<ACCUMULATED-NII-CURRENT>                        60574
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                       (898225)
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                      15680051
<NET-ASSETS>                                  84674610
<DIVIDEND-INCOME>                               109723
<INTEREST-INCOME>                                32498
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                   54362
<NET-INVESTMENT-INCOME>                          87859
<REALIZED-GAINS-CURRENT>                      (372270)
<APPREC-INCREASE-CURRENT>                     14721084
<NET-CHANGE-FROM-OPS>                         14436673
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                        82981
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                        5581948
<NUMBER-OF-SHARES-REDEEMED>                    2359044
<SHARES-REINVESTED>                               2487
<NET-CHANGE-IN-ASSETS>                        54139939
<ACCUMULATED-NII-PRIOR>                          55696
<ACCUMULATED-GAINS-PRIOR>                            0
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                      525955
<GROSS-ADVISORY-FEES>                            56833
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                 173080
<AVERAGE-NET-ASSETS>                          49419589
<PER-SHARE-NAV-BEGIN>                            10.14
<PER-SHARE-NII>                                   0.02
<PER-SHARE-GAIN-APPREC>                           3.44
<PER-SHARE-DIVIDEND>                            (0.02)
<PER-SHARE-DISTRIBUTIONS>                            0
<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                              13.58
<EXPENSE-RATIO>                                    .11
[AVG-DEBT-OUTSTANDING]                               0
[AVG-DEBT-PER-SHARE]                                 0


</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0001084380
<NAME> GROWTH & INCOME

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-2000
<PERIOD-END>                               MAR-31-2000
<INVESTMENTS-AT-COST>                         30315647
<INVESTMENTS-AT-VALUE>                        34797453
<RECEIVABLES>                                   390896
<ASSETS-OTHER>                                   15607
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                35203956
<PAYABLE-FOR-SECURITIES>                        931518
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                       742420
<TOTAL-LIABILITIES>                            1673938
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                      28863162
<SHARES-COMMON-STOCK>                          2878403
<SHARES-COMMON-PRIOR>                          2580060
<ACCUMULATED-NII-CURRENT>                         8425
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                         176631
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                       4481800
<NET-ASSETS>                                  33530018
<DIVIDEND-INCOME>                               147801
<INTEREST-INCOME>                                18621
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                   32538
<NET-INVESTMENT-INCOME>                         133884
<REALIZED-GAINS-CURRENT>                        204326
<APPREC-INCREASE-CURRENT>                      5099140
<NET-CHANGE-FROM-OPS>                          5437350
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                       127855
<DISTRIBUTIONS-OF-GAINS>                         12663
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                        1832493
<NUMBER-OF-SHARES-REDEEMED>                    1539672
<SHARES-REINVESTED>                               5522
<NET-CHANGE-IN-ASSETS>                         8355771
<ACCUMULATED-NII-PRIOR>                           2396
<ACCUMULATED-GAINS-PRIOR>                            0
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                       15032
<GROSS-ADVISORY-FEES>                            34017
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                 135553
<AVERAGE-NET-ASSETS>                          29579645
<PER-SHARE-NAV-BEGIN>                             9.76
<PER-SHARE-NII>                                   0.05
<PER-SHARE-GAIN-APPREC>                           1.89
<PER-SHARE-DIVIDEND>                            (0.05)
<PER-SHARE-DISTRIBUTIONS>                            0
<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                              11.65
<EXPENSE-RATIO>                                    .11
[AVG-DEBT-OUTSTANDING]                               0
[AVG-DEBT-PER-SHARE]                                 0


</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0001084380
<NAME> EQUITY INDEX

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-2000
<PERIOD-END>                               MAR-31-2000
<INVESTMENTS-AT-COST>                         45343647
<INVESTMENTS-AT-VALUE>                        50783009
<RECEIVABLES>                                    75771
<ASSETS-OTHER>                                   12165
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                50870945
<PAYABLE-FOR-SECURITIES>                         12481
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                        72129
<TOTAL-LIABILITIES>                              84610
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                      45215626
<SHARES-COMMON-STOCK>                          4354142
<SHARES-COMMON-PRIOR>                          2567842
<ACCUMULATED-NII-CURRENT>                        91288
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                          40059
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                       5439362
<NET-ASSETS>                                  50786335
<DIVIDEND-INCOME>                               182536
<INTEREST-INCOME>                                11387
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                   25620
<NET-INVESTMENT-INCOME>                         168303
<REALIZED-GAINS-CURRENT>                         55173
<APPREC-INCREASE-CURRENT>                      6205737
<NET-CHANGE-FROM-OPS>                          6429213
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                       175687
<DISTRIBUTIONS-OF-GAINS>                         71349
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                        1988241
<NUMBER-OF-SHARES-REDEEMED>                     222872
<SHARES-REINVESTED>                              20931
<NET-CHANGE-IN-ASSETS>                        25722653
<ACCUMULATED-NII-PRIOR>                          98672
<ACCUMULATED-GAINS-PRIOR>                        56235
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                            27127
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                 130486
<AVERAGE-NET-ASSETS>                          30140955
<PER-SHARE-NAV-BEGIN>                             9.76
<PER-SHARE-NII>                                   0.05
<PER-SHARE-GAIN-APPREC>                           1.95
<PER-SHARE-DIVIDEND>                            (0.07)
<PER-SHARE-DISTRIBUTIONS>                       (0.03)
<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                              11.66
<EXPENSE-RATIO>                                    .09
[AVG-DEBT-OUTSTANDING]                               0
[AVG-DEBT-PER-SHARE]                                 0


</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0001084380
<NAME> SOCIAL CHOICE EQUITY

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-2000
<PERIOD-END>                               MAR-31-2000
<INVESTMENTS-AT-COST>                         25933120
<INVESTMENTS-AT-VALUE>                        29316368
<RECEIVABLES>                                    20573
<ASSETS-OTHER>                                   16050
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                29352991
<PAYABLE-FOR-SECURITIES>                             0
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                       215928
<TOTAL-LIABILITIES>                             215928
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                      25289590
<SHARES-COMMON-STOCK>                          2526550
<SHARES-COMMON-PRIOR>                          2508015
<ACCUMULATED-NII-CURRENT>                        68143
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                         396082
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                       3383248
<NET-ASSETS>                                  29137063
<DIVIDEND-INCOME>                               156857
<INTEREST-INCOME>                                 2603
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                   24277
<NET-INVESTMENT-INCOME>                         135183
<REALIZED-GAINS-CURRENT>                        401410
<APPREC-INCREASE-CURRENT>                      3826924
<NET-CHANGE-FROM-OPS>                          4363517
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                       161141
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                          34190
<NUMBER-OF-SHARES-REDEEMED>                      29729
<SHARES-REINVESTED>                              14074
<NET-CHANGE-IN-ASSETS>                         4406316
<ACCUMULATED-NII-PRIOR>                          94101
<ACCUMULATED-GAINS-PRIOR>                            0
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                        5328
<GROSS-ADVISORY-FEES>                            25626
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                 125323
<AVERAGE-NET-ASSETS>                          26974867
<PER-SHARE-NAV-BEGIN>                             9.86
<PER-SHARE-NII>                                   0.05
<PER-SHARE-GAIN-APPREC>                           1.68
<PER-SHARE-DIVIDEND>                            (0.06)
<PER-SHARE-DISTRIBUTIONS>                            0
<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                              11.53
<EXPENSE-RATIO>                                    .09
[AVG-DEBT-OUTSTANDING]                               0
[AVG-DEBT-PER-SHARE]                                 0


</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0001084380
<NAME> BOND FUND

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-2000
<PERIOD-END>                               MAR-31-2000
<INVESTMENTS-AT-COST>                        133086390
<INVESTMENTS-AT-VALUE>                       133476682
<RECEIVABLES>                                  2829379
<ASSETS-OTHER>                                     494
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                               136306555
<PAYABLE-FOR-SECURITIES>                      27042274
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                       195735
<TOTAL-LIABILITIES>                           27238009
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                     109006904
<SHARES-COMMON-STOCK>                         11033426
<SHARES-COMMON-PRIOR>                          3043968
<ACCUMULATED-NII-CURRENT>                        (531)
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                       (328119)
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                        390292
<NET-ASSETS>                                 109068546
<DIVIDEND-INCOME>                                    0
<INTEREST-INCOME>                              1816848
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                   52646
<NET-INVESTMENT-INCOME>                        1764202
<REALIZED-GAINS-CURRENT>                      (318511)
<APPREC-INCREASE-CURRENT>                       450599
<NET-CHANGE-FROM-OPS>                          1896290
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                      1765136
<DISTRIBUTIONS-OF-GAINS>                          3498
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                        8126149
<NUMBER-OF-SHARES-REDEEMED>                     268952
<SHARES-REINVESTED>                             132261
<NET-CHANGE-IN-ASSETS>                        78714686
<ACCUMULATED-NII-PRIOR>                            403
<ACCUMULATED-GAINS-PRIOR>                            0
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                        6110
<GROSS-ADVISORY-FEES>                            49875
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                 171620
<AVERAGE-NET-ASSETS>                          55417171
<PER-SHARE-NAV-BEGIN>                             9.97
<PER-SHARE-NII>                                   0.28
<PER-SHARE-GAIN-APPREC>                         (0.08)
<PER-SHARE-DIVIDEND>                            (0.28)
<PER-SHARE-DISTRIBUTIONS>                            0
<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                               9.89
<EXPENSE-RATIO>                                   0.10
[AVG-DEBT-OUTSTANDING]                               0
[AVG-DEBT-PER-SHARE]                                 0


</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0001084380
<NAME> MONEY MARKET FUND

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          SEP-30-2000
<PERIOD-END>                               MAR-31-2000
<INVESTMENTS-AT-COST>                         25121209
<INVESTMENTS-AT-VALUE>                        25121209
<RECEIVABLES>                                     7112
<ASSETS-OTHER>                                   43098
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                25171419
<PAYABLE-FOR-SECURITIES>                             0
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                       105699
<TOTAL-LIABILITIES>                             105699
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                      25065726
<SHARES-COMMON-STOCK>                         25065726
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