<PAGE> PAGE 1
000 B000000 10/31/98
000 C000000 0000276495
000 D000000 N
000 E000000 NF
000 F000000 Y
000 G000000 N
000 H000000 N
000 I000000 3.0.a
000 J000000 U
001 A000000 BANK FIFUCIARY (FIXED INCOME) FUND
001 B000000 811-1996
001 C000000 2122971679
002 A000000 99 PARK AVENUE
002 B000000 NEW YORK
002 C000000 NY
002 D010000 10016
002 D020000 1502
003 000000 N
004 000000 N
005 000000 N
006 000000 N
007 A000000 N
007 B000000 0
062 A000000 Y
062 B000000 0.0
062 C000000 0.0
062 D000000 0.0
062 E000000 0.0
062 F000000 0.0
062 G000000 0.0
062 H000000 0.0
062 I000000 0.0
062 J000000 0.0
062 K000000 0.0
062 L000000 0.0
062 M000000 65.5
062 N000000 10.7
062 O000000 0.0
062 P000000 23.8
062 Q000000 0.0
062 R000000 0.0
063 A000000 0
063 B000000 0.0
066 A000000 N
071 A000000 0
071 B000000 1104
071 C000000 8293
071 D000000 13
072 A000000 6
072 B000000 279
072 C000000 0
<PAGE> PAGE 2
072 D000000 0
072 E000000 0
072 F000000 16
072 G000000 2
072 H000000 0
072 I000000 0
072 J000000 0
072 K000000 0
072 L000000 0
072 M000000 0
072 N000000 0
072 O000000 0
072 P000000 0
072 Q000000 0
072 R000000 7
072 S000000 3
072 T000000 0
072 U000000 0
072 V000000 0
072 W000000 0
072 X000000 28
072 Y000000 0
072 Z000000 251
072AA000000 6
072BB000000 0
072CC010000 227
072CC020000 0
072DD010000 0
072DD020000 0
072EE000000 0
073 A010000 1.5000
073 A020000 0.0000
073 B000000 0.0000
073 C000000 0.0000
074 A000000 92
074 B000000 0
074 C000000 87
074 D000000 7902
074 E000000 0
074 F000000 0
074 G000000 0
074 H000000 0
074 I000000 0
074 J000000 0
074 K000000 0
074 L000000 0
074 M000000 0
074 N000000 8081
074 O000000 0
074 P000000 0
074 Q000000 0
<PAGE> PAGE 3
074 R010000 0
074 R020000 0
074 R030000 0
074 R040000 0
074 S000000 0
074 T000000 8081
074 U010000 163616
074 U020000 0
074 V010000 49.39
074 V020000 0.00
074 W000000 0.0000
074 X000000 0
074 Y000000 0
075 A000000 0
075 B000000 8476
076 000000 0.00
077 A000000 N
080 A000000 VIGILANT INSURANCE COMPANY
080 C000000 425
081 A000000 Y
081 B000000 1
082 A000000 Y
082 B000000 10
083 A000000 N
083 B000000 0
084 A000000 N
084 B000000 0
085 A000000 N
086 A010000 0
086 A020000 0
086 B010000 0
086 B020000 0
086 C010000 0
086 C020000 0
086 D010000 0
086 D020000 0
086 E010000 0
086 E020000 0
086 F010000 0
086 F020000 0
SIGNATURE ROBERT D. CUMMINGS
TITLE ADMINISTRATOR
