<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 023
<NAME> Utilities Account
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<INVESTMENTS-AT-COST> 34,009,357
<INVESTMENTS-AT-VALUE> 33,690,004
<RECEIVABLES> 583,856
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 10,886
<TOTAL-ASSETS> 34,284,746
<PAYABLE-FOR-SECURITIES> 780,567
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 248
<TOTAL-LIABILITIES> 780,815
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 32,152,343
<SHARES-COMMON-STOCK> 3,076,857
<SHARES-COMMON-PRIOR> 2,815,009
<ACCUMULATED-NII-CURRENT> 376,100
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 1,294,841
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> (319,353)
<NET-ASSETS> 33,503,931
<DIVIDEND-INCOME> 420,105
<INTEREST-INCOME> 56,923
<OTHER-INCOME> 0
<EXPENSES-NET> (102,434)
<NET-INVESTMENT-INCOME> 374,594
<REALIZED-GAINS-CURRENT> 1,294,741
<APPREC-INCREASE-CURRENT> (1,326,145)
<NET-CHANGE-FROM-OPS> 343,190
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> (386,992)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 396,281
<NUMBER-OF-SHARES-REDEEMED> (157,105)
<SHARES-REINVESTED> 22,673
<NET-CHANGE-IN-ASSETS> 2,819,785
<ACCUMULATED-NII-PRIOR> 1,506
<ACCUMULATED-GAINS-PRIOR> 387,092
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 96,798
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 102,434
<AVERAGE-NET-ASSETS> 32,817,328
<PER-SHARE-NAV-BEGIN> 10.90
<PER-SHARE-NII> .12
<PER-SHARE-GAIN-APPREC> .01
<PER-SHARE-DIVIDEND> 0
<PER-SHARE-DISTRIBUTIONS> (.14)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.89
<EXPENSE-RATIO> .63
</TABLE>
