WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 81
<NAME> BOND PORTFOLIO
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> JUL-31-2000
<PERIOD-START> AUG-1-1999
<PERIOD-END> JUL-31-2000
<INVESTMENTS-AT-COST> 33,327,353
<INVESTMENTS-AT-VALUE> 31,843,908
<RECEIVABLES> 523,382
<ASSETS-OTHER> 50,134
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 32,417,424
<PAYABLE-FOR-SECURITIES> 498,060
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 35,409
<TOTAL-LIABILITIES> 533,469
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 32,001,990
<SHARES-COMMON-STOCK> 2,019,578
<SHARES-COMMON-PRIOR> 1,944,188
<ACCUMULATED-NII-CURRENT> 175,785
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (829,953)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> (1,483,445)
<NET-ASSETS> 31,883,955
<DIVIDEND-INCOME> 42,972
<INTEREST-INCOME> 2,501,551
<OTHER-INCOME> 0
<EXPENSES-NET> 235,909
<NET-INVESTMENT-INCOME> 2,308,614
<REALIZED-GAINS-CURRENT> (725,335)
<APPREC-INCREASE-CURRENT> 16,577
<NET-CHANGE-FROM-OPS> 1,599,856
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 1,251,179
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 335,621
<NUMBER-OF-SHARES-REDEEMED> 335,150
<SHARES-REINVESTED> 74,919
<NET-CHANGE-IN-ASSETS> 8,422,088
<ACCUMULATED-NII-PRIOR> 155,125
<ACCUMULATED-GAINS-PRIOR> (81,569)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 158,602
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 270,546
<AVERAGE-NET-ASSETS> 31,600,781
<PER-SHARE-NAV-BEGIN> 16.17
<PER-SHARE-NII> 1.17
<PER-SHARE-GAIN-APPREC> (0.38)
<PER-SHARE-DIVIDEND> (1.16)
<PER-SHARE-DISTRIBUTIONS> (.01)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 15.79
<EXPENSE-RATIO> .007
[AVG-DEBT-OUTSTANDING] 0
[AVG-DEBT-PER-SHARE] 0
</TABLE>
