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028 A010600 34
028 A020600 6
028 A030600 0
028 A040600 85
028 B010600 38
028 B020600 6
028 B030600 0
028 B040600 38
028 C010600 30
028 C020600 6
028 C030600 0
028 C040600 96
028 D010600 39
028 D020600 7
028 D030600 0
028 D040600 31
028 E010600 23
028 E020600 6
028 E030600 0
028 E040600 47
028 F010600 37
028 F020600 6
028 F030600 0
028 F040600 27
028 G010600 201
028 G020600 38
028 G030600 0
028 G040600 323
028 H000600 0
045 000600 Y
046 000600 N
047 000600 Y
048 000600 0.625
048 A010600 0
048 A020600 0.000
048 B010600 0
048 B020600 0.000
048 C010600 0
048 C020600 0.000
048 D010600 0
048 D020600 0.000
048 E010600 0
048 E020600 0.000
048 F010600 0
048 F020600 0.000
048 G010600 0
048 G020600 0.000
048 H010600 0
048 H020600 0.000
048 I010600 0
<PAGE> PAGE 22
048 I020600 0.000
048 J010600 0
048 J020600 0.000
048 K010600 0
048 K020600 0.000
049 000600 N
050 000600 N
051 000600 N
052 000600 N
053 A000600 N
062 A000600 Y
062 B000600 0.0
062 C000600 0.0
062 D000600 0.0
062 E000600 0.0
062 F000600 0.0
062 G000600 0.0
062 H000600 0.0
062 I000600 0.0
062 J000600 0.0
062 K000600 0.0
062 L000600 4.4
062 M000600 0.0
062 N000600 0.0
062 O000600 95.6
062 P000600 0.0
062 Q000600 0.0
062 R000600 0.0
063 A000600 0
063 B000600 20.1
064 A000600 Y
064 B000600 N
071 A000600 613
071 B000600 609
071 C000600 2061
071 D000600 30
072 A000600 12
072 B000600 111
072 C000600 0
072 D000600 0
072 E000600 0
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072 G000600 0
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072 M000600 0
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<PAGE> PAGE 23
072 P000600 0
072 Q000600 0
072 R000600 0
072 S000600 0
072 T000600 0
072 U000600 0
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072 W000600 0
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072 Y000600 0
072 Z000600 87
072AA000600 11
072BB000600 1
072CC010600 40
072CC020600 0
072DD010600 87
072DD020600 0
072EE000600 0
073 A010600 0.4128
073 A020600 0.0000
073 B000600 0.0000
073 C000600 0.0000
074 A000600 64
074 B000600 0
074 C000600 0
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074 E000600 0
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074 I000600 0
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<PAGE> PAGE 24
074 Y000600 0
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SIGNATURE RICHARD MASON
TITLE GENERAL COUNSEL
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
This schedule contains summary financial information extracted from the
registrant's current Form NSAR, propectus and annual report and is qualified in
its entirety by reference to such source documents.
</LEGEND>
<CIK> 0000703303
<NAME> MOSAIC TAX-FREE TRUST
<SERIES>
<NUMBER> 1
<NAME> TAX-FREE MONEY MARKET
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> SEP-30-1998
<PERIOD-END> SEP-30-1998
<INVESTMENTS-AT-COST> 7,043
<INVESTMENTS-AT-VALUE> 7,046
<RECEIVABLES> 169
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 7,270
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 0
<TOTAL-LIABILITIES> 0
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 7,267
<SHARES-COMMON-STOCK> 7,267
<SHARES-COMMON-PRIOR> 6,852
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 3
<NET-ASSETS> 7,270
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 242
<OTHER-INCOME> 0
<EXPENSES-NET> 58
<NET-INVESTMENT-INCOME> 184
<REALIZED-GAINS-CURRENT> 0
<APPREC-INCREASE-CURRENT> 3
<NET-CHANGE-FROM-OPS> 187
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 184
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 5,471
<NUMBER-OF-SHARES-REDEEMED> 5,234
<SHARES-REINVESTED> 178
<NET-CHANGE-IN-ASSETS> 418
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 34
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 58
<AVERAGE-NET-ASSETS> 6,806
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> 0.03
<PER-SHARE-GAIN-APPREC> 0
<PER-SHARE-DIVIDEND> 0.03
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> 0.85
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
This schedule contains summary financial data extracted from the registrant's
current Form NSAR, annual report and prospectus and is qualified in its entirety
by reference to such source documents.
</LEGEND>
<CIK> 0000703303
<NAME> MOSAIC TAX-FREE TRUST
<SERIES>
<NUMBER> 2
<NAME> NATIONAL FUND
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> SEP-30-1998
<PERIOD-END> SEP-30-1998
<INVESTMENTS-AT-COST> 23,268
<INVESTMENTS-AT-VALUE> 25,255
<RECEIVABLES> 337
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 504
<TOTAL-ASSETS> 26,099
<PAYABLE-FOR-SECURITIES> 481
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 11
<TOTAL-LIABILITIES> 492
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 25,122
<SHARES-COMMON-STOCK> 2,327
<SHARES-COMMON-PRIOR> 2,513
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (1,502)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 1,988
<NET-ASSETS> 25,607
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 1,303
<OTHER-INCOME> 0
<EXPENSES-NET> 279
<NET-INVESTMENT-INCOME> 1,024
<REALIZED-GAINS-CURRENT> 225
<APPREC-INCREASE-CURRENT> 679
<NET-CHANGE-FROM-OPS> 1,929
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 1,024
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 2,654
<NUMBER-OF-SHARES-REDEEMED> 5,560
<SHARES-REINVESTED> 910
<NET-CHANGE-IN-ASSETS> (1,092)
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (1,727)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 164
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 279
<AVERAGE-NET-ASSETS> 26,176
<PER-SHARE-NAV-BEGIN> 10.62
<PER-SHARE-NII> 0.42
<PER-SHARE-GAIN-APPREC> 0.38
<PER-SHARE-DIVIDEND> 0.42
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 11.00
<EXPENSE-RATIO> 1.07
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
This schedule contains summary financial data extracted from the registrant's
current Form NSAR, Annual Report and prospectus and is qualified in its entirety
by reference to such source documents.
</LEGEND>
<CIK> 0000703303
<NAME> MOSAIC TAX-FREE TRUST
<SERIES>
<NUMBER> 3
<NAME> VIRGINIA FUND
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> SEP-30-1998
<PERIOD-END> SEP-30-1998
<INVESTMENTS-AT-COST> 29,508
<INVESTMENTS-AT-VALUE> 31,737
<RECEIVABLES> 528
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 66
<TOTAL-ASSETS> 32,634
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 22
<TOTAL-LIABILITIES> 22
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 30,651
<SHARES-COMMON-STOCK> 2,734
<SHARES-COMMON-PRIOR> 2,820
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (268)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 2,229
<NET-ASSETS> 32,612
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 1,705
<OTHER-INCOME> 0
<EXPENSES-NET> 328
<NET-INVESTMENT-INCOME> 1,378
<REALIZED-GAINS-CURRENT> 537
<APPREC-INCREASE-CURRENT> 469
<NET-CHANGE-FROM-OPS> 2,383
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 1,378
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 3,593
<NUMBER-OF-SHARES-REDEEMED> 5,742
<SHARES-REINVESTED> 1,141
<NET-CHANGE-IN-ASSETS> (2)
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (805)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 201
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 328
<AVERAGE-NET-ASSETS> 32,221
<PER-SHARE-NAV-BEGIN> 11.56
<PER-SHARE-NII> 0.50
<PER-SHARE-GAIN-APPREC> 0.37
<PER-SHARE-DIVIDEND> 0.50
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 11.93
<EXPENSE-RATIO> 1.02
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
This schedule constains summary financial data extracted from the registrant's
current Form NSAR, Annual Report and prospectus and is qualified in its entirety
by reference to such source documents.
</LEGEND>
<CIK> 0000703303
<NAME> MOSAIC TAX-FREE TRUST
<SERIES>
<NUMBER> 4
<NAME> ARIZONA FUND
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> SEP-30-1998
<PERIOD-END> SEP-30-1998
<INVESTMENTS-AT-COST> 7,799
<INVESTMENTS-AT-VALUE> 8,345
<RECEIVABLES> 110
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 177
<TOTAL-ASSETS> 8,633
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 8
<TOTAL-LIABILITIES> 8
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 8,331
<SHARES-COMMON-STOCK> 803
<SHARES-COMMON-PRIOR> 837
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (252)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 546
<NET-ASSETS> 8,625
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 454
<OTHER-INCOME> 0
<EXPENSES-NET> 95
<NET-INVESTMENT-INCOME> 359
<REALIZED-GAINS-CURRENT> 145
<APPREC-INCREASE-CURRENT> 86
<NET-CHANGE-FROM-OPS> 589
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 359
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 1,005
<NUMBER-OF-SHARES-REDEEMED> 1,614
<SHARES-REINVESTED> 258
<NET-CHANGE-IN-ASSETS> (121)
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (396)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 53
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 95
<AVERAGE-NET-ASSETS> 8,506
<PER-SHARE-NAV-BEGIN> 10.45
<PER-SHARE-NII> 0.45
<PER-SHARE-GAIN-APPREC> 0.29
<PER-SHARE-DIVIDEND> 0.45
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.74
<EXPENSE-RATIO> 1.11
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
This schedule contains summary financial data extracted from the registrant's
current Form NSAR, Annual Report and prospectus and is qualified in its entirety
by reference to such source documents.
</LEGEND>
<CIK> 0000703303
<NAME> MOSAIC TAX-FREE TRUST
<SERIES>
<NUMBER> 5
<NAME> MISSOURI FUND
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> SEP-30-1998
<PERIOD-END> SEP-30-1998
<INVESTMENTS-AT-COST> 11,330
<INVESTMENTS-AT-VALUE> 12,081
<RECEIVABLES> 167
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 246
<TOTAL-ASSETS> 12,494
<PAYABLE-FOR-SECURITIES> 486
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 6
<TOTAL-LIABILITIES> 492
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 11,280
<SHARES-COMMON-STOCK> 1,105
<SHARES-COMMON-PRIOR> 1,097
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (29)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 751
<NET-ASSETS> 12,002
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 608
<OTHER-INCOME> 0
<EXPENSES-NET> 126
<NET-INVESTMENT-INCOME> 482
<REALIZED-GAINS-CURRENT> 129
<APPREC-INCREASE-CURRENT> 236
<NET-CHANGE-FROM-OPS> 847
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 482
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 629
<NUMBER-OF-SHARES-REDEEMED> 961
<SHARES-REINVESTED> 416
<NET-CHANGE-IN-ASSETS> 449
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (158)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 72
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 125
<AVERAGE-NET-ASSETS> 11,522
<PER-SHARE-NAV-BEGIN> 10.53
<PER-SHARE-NII> 0.45
<PER-SHARE-GAIN-APPREC> 0.35
<PER-SHARE-DIVIDEND> 0.45
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.87
<EXPENSE-RATIO> 1.09
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
This schedule contains summary financial data extracted from the registrant's
current Form NSAR, Annual Report and prospectus and is qualified in its entirety
by reference to such source documents.
</LEGEND>
<CIK> 0000703303
<NAME> MOSAIC TAX-FREE TRUST
<SERIES>
<NUMBER> 6
<NAME> MARYLAND FUND
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> SEP-30-1998
<PERIOD-END> SEP-30-1998
<INVESTMENTS-AT-COST> 1,896
<INVESTMENTS-AT-VALUE> 2,021
<RECEIVABLES> 29
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 64
<TOTAL-ASSETS> 2,114
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 1
<TOTAL-LIABILITIES> 1
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 2,165
<SHARES-COMMON-STOCK> 206
<SHARES-COMMON-PRIOR> 210
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (177)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 124
<NET-ASSETS> 2,113
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 111
<OTHER-INCOME> 0
<EXPENSES-NET> 24
<NET-INVESTMENT-INCOME> 87
<REALIZED-GAINS-CURRENT> 10
<APPREC-INCREASE-CURRENT> 40
<NET-CHANGE-FROM-OPS> 136
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 87
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 488
<NUMBER-OF-SHARES-REDEEMED> 599
<SHARES-REINVESTED> 77
<NET-CHANGE-IN-ASSETS> 15
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (186)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 13
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 24
<AVERAGE-NET-ASSETS> 2,120
<PER-SHARE-NAV-BEGIN> 10.00
<PER-SHARE-NII> 0.41
<PER-SHARE-GAIN-APPREC> 0.24
<PER-SHARE-DIVIDEND> 0.41
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.24
<EXPENSE-RATIO> 1.13
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
Deloitte & Touche LLP
University Square
117 Campus Drive
Princeton, New Jersey 08540
Telephone: (609) 520-2300
Facsimile: (609) 520-2413
To the Board of Trustees and Shareholders of
Mosaic Tax-Free Trust:
In planning and performing our audits of the financial statements of the
Mosaic Tax-Free Trust (the "Trust") (including the Arizona, Maryland,
Missouri, Virginia, National, and Money Market Funds (the "Funds")) for the
year ended September 30, 1998 (on which we have issued our report dated
November 6, 1998), 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 internal control, errors or fraud may occur
and not be detected. Also, projection of any evaluation of internal control
to future periods is subject to the risk that it may become inadequate because
of changes in conditions or that the effectiveness of the design and operation
may 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 errors 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 September 30, 1998.
This report is intended solely for the information and use of management, the
Board of Trustees of the Mosaic Tax-Free Trust, and the Securities and
Exchange Commission.
(signature)
Deloitte & Touche LLP
Princeton, New Jersey
November 6, 1998
