<PAGE> PAGE 1
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007 C020200 THE MERCANTILE GROWTH & INCOME EQUITY
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007 C010300 3
007 C020300 THE MERCANTILE GOVERNMENT & CORPORATE BOND
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007 C010400 4
007 C020400 THE MERCANTILE U.S.GOVERNMENT SECURITIES PORT
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007 C010500 5
007 C020500 THE MERCANTILE TREASURY MONEY MARKET PORT.
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007 C020600 THE MERCANTILE SMALL CAP EQUITY PORTFOLIO
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007 C020700 THE MERCANTILE BALANCED PORTFOLIO
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007 C020800 THE MERCANTILE INTERNATIONAL EQUITY PORTFOLIO
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<PAGE> PAGE 2
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007 C021100 THE MERCANTILE SHORT-INTERMEDIATE MUNICIPAL
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007 C021200 THE MERCANTILE NATIONAL MUNICIPAL BOND
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007 C011300 13
007 C021300 THE MERCANTILE BOND INDEX PORTFOLIO
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007 C011400 14
007 C021400 THE MERCANTILE INTERMEDIATE CORPORATE BOND
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007 C021500 THE MERCANTILE EQUITY INCOME PORTFOLIO
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007 C021600 THE MERCANTILE EQUITY INDEX PORTFOLIO
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<PAGE> PAGE 3
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<PAGE> PAGE 4
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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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<PAGE> PAGE 8
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<PAGE> PAGE 9
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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 15
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<PAGE> PAGE 16
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<PAGE> PAGE 21
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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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<PAGE> PAGE 27
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<PAGE> PAGE 28
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<PAGE> PAGE 29
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<PAGE> PAGE 30
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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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<PAGE> PAGE 37
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<PAGE> PAGE 38
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<PAGE> PAGE 39
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<PAGE> PAGE 40
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070 R020800 N
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071 B000800 89787
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<PAGE> PAGE 41
072 E000800 38
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072 S000800 10
072 T000800 241
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072 X000800 1383
072 Y000800 348
072 Z000800 180
072AA000800 10401
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072EE000800 4057
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074 C000800 4988
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074 F000800 103200
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074 M000800 1215
074 N000800 116071
074 O000800 865
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<PAGE> PAGE 42
074 R020800 0
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074 R040800 6292
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074 U010800 5387
074 U020800 944
074 V010800 17.22
074 V020800 17.03
074 W000800 0.0000
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075 B000800 78764
076 000800 0.00
024 000900 N
025 A000901 DELETE
025 D000901 0
025 A000902 DELETE
025 D000902 0
025 D000903 0
025 D000904 0
025 D000905 0
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025 D000907 0
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028 A010900 19585
028 A020900 106
028 A030900 0
028 A040900 29055
028 B010900 27552
028 B020900 100
028 B030900 0
028 B040900 30361
028 C010900 20979
028 C020900 81
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028 C040900 23975
028 D010900 25370
028 D020900 88
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028 D040900 30984
028 E010900 44447
028 E020900 96
028 E030900 0
028 E040900 19619
028 F010900 11382
028 F020900 98
028 F030900 0
028 F040900 19200
028 G010900 149315
<PAGE> PAGE 43
028 G020900 569
028 G030900 0
028 G040900 153194
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031 B000900 0
032 000900 0
033 000900 0
034 000900 N
035 000900 0
036 B000900 0
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042 C000900 0
042 D000900 100
042 E000900 0
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044 000900 0
045 000900 Y
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048 I020900 0.000
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048 J020900 0.000
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048 K020900 0.000
<PAGE> PAGE 44
055 A000900 Y
055 B000900 N
056 000900 N
057 000900 N
062 A000900 Y
062 B000900 0.0
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062 E000900 89.6
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062 I000900 8.0
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062 R000900 2.2
063 A000900 28
063 B000900 0.0
064 A000900 Y
064 B000900 N
066 A000900 N
067 000900 N
068 A000900 N
068 B000900 N
069 000900 N
070 A010900 Y
070 A020900 N
070 B010900 N
070 B020900 N
070 C010900 N
070 C020900 N
070 D010900 N
070 D020900 N
070 E010900 N
070 E020900 N
070 F010900 N
070 F020900 N
070 G010900 N
070 G020900 N
070 H010900 N
070 H020900 N
070 I010900 N
070 I020900 N
070 J010900 Y
070 J020900 N
<PAGE> PAGE 45
070 K010900 Y
070 K020900 Y
070 L010900 N
070 L020900 N
070 M010900 N
070 M020900 N
070 N010900 N
070 N020900 N
070 O010900 Y
070 O020900 N
070 P010900 N
070 P020900 N
070 Q010900 N
070 Q020900 N
070 R010900 N
070 R020900 N
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<PAGE> PAGE 46
072DD020900 1094
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075 A000900 178643
075 B000900 0
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024 001000 N
025 A001001 DELETE
025 D001001 0
025 A001002 DELETE
025 D001002 0
025 D001003 0
025 D001004 0
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<PAGE> PAGE 47
028 A021000 83
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<PAGE> PAGE 48
046 001000 N
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048 J021000 0.000
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048 K021000 0.000
055 A001000 N
055 B001000 N
056 001000 N
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<PAGE> PAGE 49
066 A001000 N
067 001000 N
068 A001000 N
068 B001000 N
069 001000 N
070 A011000 Y
070 A021000 N
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070 C021000 N
070 D011000 N
070 D021000 N
070 E011000 N
070 E021000 N
070 F011000 N
070 F021000 N
070 G011000 N
070 G021000 N
070 H011000 N
070 H021000 N
070 I011000 N
070 I021000 N
070 J011000 Y
070 J021000 N
070 K011000 Y
070 K021000 Y
070 L011000 N
070 L021000 N
070 M011000 N
070 M021000 N
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070 O011000 Y
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<PAGE> PAGE 50
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<PAGE> PAGE 51
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074 U011000 9882
074 U021000 2189
074 V011000 11.32
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024 001100 N
025 A001101 DELETE
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028 E041100 1699
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<PAGE> PAGE 52
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<PAGE> PAGE 53
056 001100 N
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<PAGE> PAGE 54
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<PAGE> PAGE 55
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024 001200 N
025 A001201 DELETE
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<PAGE> PAGE 56
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<PAGE> PAGE 57
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<PAGE> PAGE 58
068 A001200 N
068 B001200 N
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070 F011200 N
070 F021200 N
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070 G021200 N
070 H011200 N
070 H021200 N
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070 R021200 N
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<PAGE> PAGE 59
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<PAGE> PAGE 60
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024 001300 Y
025 A001301 HOUSEHOLD FINANCE CORP.
025 C001301 D
025 D001301 1994
025 A001302 MERRILL LYNCH & CO.
025 B001302 13-5674085
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025 A001303 DELETE
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<PAGE> PAGE 61
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<PAGE> PAGE 62
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<PAGE> PAGE 63
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<PAGE> PAGE 64
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<PAGE> PAGE 65
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<PAGE> PAGE 66
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<PAGE> PAGE 67
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<PAGE> PAGE 68
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<PAGE> PAGE 69
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<PAGE> PAGE 70
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<PAGE> PAGE 71
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<PAGE> PAGE 72
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<PAGE> PAGE 73
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<PAGE> PAGE 74
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<PAGE> PAGE 75
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<PAGE> PAGE 76
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<PAGE> PAGE 77
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<PAGE> PAGE 78
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<PAGE> PAGE 79
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<PAGE> PAGE 80
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<PAGE> PAGE 81
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<PAGE> PAGE 83
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<PAGE> PAGE 84
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<PAGE> PAGE 85
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<PAGE> PAGE 86
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<PAGE> PAGE 87
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<PAGE> PAGE 88
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<PAGE> PAGE 89
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<PAGE> PAGE 90
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SIGNATURE DARLA BALL
TITLE MANAGER
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<TABLE> <S> <C>
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<NAME> MERCANTILE MUTUAL FUNDS, INC.
<SERIES>
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<TABLE> <S> <C>
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<SERIES>
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<NAME> MERCANTILE MUTUAL FUNDS, INC.
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<TABLE> <S> <C>
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<CIK> 0000706366
<NAME> MERCANTILE MUTUAL FUNDS, INC.
<SERIES>
<NUMBER> 191
<NAME> CONNING MONEY MARKET PORTFOLIO
<S>
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MERCANTILE MUTUAL FUNDS, INC.
(the "Company")
Investor Shares
of the
U.S. Government Securities Portfolio
Intermediate Corporate Bond Portfolio
Bond Index Portfolio
Government & Corporate Bond Portfolio
Supplement dated August 16, 1999
to Prospectus dated March 31, 1999
Merger of Mercantile Bancorporation Inc. and Firstar
Corporation
Mercantile Bancorporation Inc.
("Mercantile") and Firstar Corporation ("Firstar")
have entered into an Agreement and Plan of Merger
dated as of April 30, 1999, as amended June 17, 1999,
which provides for the merger of these two bank
holding companies. The Agreement and Plan of Merger
and the transactions contemplated thereby, including
the merger of Mercantile with and into Firstar,
were approved by shareholders of Mercantile and
Firstar at special meetings of shareholders held on
July 28, 1999. The merger is expected to be
completed on or about September 17, 1999.
As a result of the merger, Mississippi
Valley Advisors Inc. ("MVA"), the Company's
investment adviser and currently an indirect
wholly owned subsidiary of Mercantile, will become an
indirect wholly owned subsidiary of Firstar.
MVA will continue to serve as the Company's
investment adviser following the merger.
Firstar is a Wisconsin corporation
with a principal office at Firstar Center, 777 East
Wisconsin Avenue, Milwaukee, Wisconsin 53202.
At March 31, 1999, Firstar had consolidated total
assets of approximately $38 billion.
??
??
(..continued)
(continued...)
PHTRANS\289439\1 - 1 -
AB2SUPP
MERCANTILE MUTUAL FUNDS, INC.
(the "Company")
Investor Shares
of the
Balanced Portfolio
Equity Income Portfolio
Equity Index Portfolio
Growth & Income Equity Portfolio
Growth Equity Portfolio
Small Cap Equity Portfolio
Small Cap Equity Index Portfolio
International Equity Portfolio
Supplement dated August 16, 1999
to Prospectus dated March 31, 1999
Merger of Mercantile Bancorporation Inc. and
Firstar Corporation
Mercantile Bancorporation Inc.
("Mercantile") and Firstar Corporation ("Firstar")
have entered into an Agreement and Plan of
Merger dated as of April 30, 1999, as amended
June 17, 1999, which provides for the merger of
these two bank holding companies. The
Agreement and Plan of Merger and the transactions
contemplated thereby, including the merger of
Mercantile with and into Firstar, were approved
by shareholders of Mercantile and Firstar at
special meetings of shareholders held on July
28, 1999. The merger is expected to be completed
on or about September 17, 1999.
As a result of the merger, Mississippi
Valley Advisors Inc. ("MVA"), the Company's
investment adviser and currently an indirect
wholly owned subsidiary of Mercantile, will become
an indirect wholly owned subsidiary of Firstar.
MVA will continue to serve as the Company's
investment adviser following the merger.
Firstar is a Wisconsin corporation
with a principal office at Firstar Center, 777 East
Wisconsin Avenue, Milwaukee, Wisconsin 53202.
At March 31, 1999, Firstar had consolidated
total assets of approximately $38 billion.
??
??
(..continued)
(continued...)
PHTRANS\289441\1 - 1 -
AB3SUPP
MERCANTILE MUTUAL FUNDS, INC.
(the "Company")
Investor Shares
Of the
Treasury Money Market Portfolio
Money Market Portfolio
Tax-Exempt Money Market Portfolio
Supplement dated August 16, 1999
to Prospectus dated March 31, 1999
Merger of Mercantile Bancorporation Inc. and
First Corporation
Mercantile Bancorporation Inc. ("Mercantile")
and Firstar Corporation ("Firstar") have entered
into an Agreement and Plan of Merger dated as of
April 30, 1999, as amended June 17, 1999, which
provides for the merger of these two bank holding
companies. The Agreement and Plan of Merger and
the transactions contemplated thereby, including
the merger of Mercantile with and into Firstar,
were approved by shareholders of Mercantile and
Firstar at special meetings of shareholders held
on July 28, 1999. The merger is expected to be
completed on or about September 17, 1999.
As a result of the merger, Mississippi
Valley Advisors Inc. ("MVA"), the Company's
investment adviser and currently an indirect
wholly owned subsidiary of Mercantile, will
become an indirect wholly owned subsidiary of
Firstar. MVA will continue to serve as
the Company's investment adviser following the
merger.
Firstar is a Wisconsin corporation with
a principal office at Firstar Center, 777 East
Wisconsin Avenue, Milwaukee, Wisconsin 53202.
At March 31, 1999, Firstar had consolidated total
assets of approximately $38 billion.
AB4SUPP.DOC
MERCANTILE MUTUAL FUNDS, INC.
(the "Company")
Investor Shares
of the
Short-Intermediate Municipal Portfolio
Missouri Tax-Exempt Bond Portfolio
National Municipal Bond Portfolio
Supplement dated August 16, 1999
to Prospectus dated March 31, 1999
Merger of Mercantile Bancorporation Inc. and
Firstar Corporation
Mercantile Bancorporation Inc.
("Mercantile") and Firstar Corporation ("Firstar")
have entered into an Agreement and Plan of
Merger dated as of April 30, 1999, as amended
June 17, 1999, which provides for the merger of
these two bank holding companies. The Agreement
and Plan of Merger and the transactions contemplated
thereby, including the merger of Mercantile with
and into Firstar, were approved by shareholders of
Mercantile and Firstar at special meetings of
shareholders held on July 28, 1999. The merger is
expected to be completed on or about September 17,
1999.
As a result of the merger, Mississippi
Valley Advisors Inc. ("MVA"), the Company's
investment adviser and currently an indirect
wholly owned subsidiary of Mercantile, will become
an indirect wholly owned subsidiary of Firstar.
MVA will continue to serve as the Company's
investment adviser following the merger.
Firstar is a Wisconsin corporation
with a principal office at Firstar Center, 777
East Wisconsin Avenue, Milwaukee, Wisconsin 53202.
At March 31, 1999, Firstar had consolidated total
assets of approximately $38 billion.
??
??
(..continued)
(continued...)
PHTRANS\289438\1 - 1 -
ABSUPP
CONNING MONEY MARKET PORTFOLIO
of
Mercantile Mutual Funds, Inc.
(the "Company")
Supplement dated August 16, 1999
to Prospectus dated January 19, 1999
(as revised March 31, 1999)
Merger of Mercantile Bancorporation Inc. and
Firstar Corporation
Mercantile Bancorporation Inc.
("Mercantile") and Firstar Corporation ("Firstar")
have entered into an Agreement and Plan of Merger
dated as of April 30, 1999, as amended June 17,
1999, which provides for the merger of these two
bank holding companies. The Agreement and Plan
of Merger and the transactions contemplated
thereby, including the merger of Mercantile with and
into Firstar, were approved by shareholders of
Mercantile and Firstar at special meetings of
shareholders held on July 28, 1999.
The merger is expected to be completed on or
about September 17, 1999.
As a result of the merger, Mississippi
Valley Advisors Inc. ("MVA"), the Company's
investment adviser and currently an indirect
wholly owned subsidiary of Mercantile, will become
an indirect wholly owned subsidiary of Firstar.
MVA will continue to serve as the Company's
investment adviser following the merger.
Firstar is a Wisconsin corporation
with a principal office at Firstar Center, 777
East Wisconsin Avenue, Milwaukee, Wisconsin 53202.
At March 31, 1999, Firstar had consolidated total
assets of approximately $38 billion.
??
??
(..continued)
(continued...)
PHTRANS\289449\1 - 1 -
CONNISUP
MERCANTILE MUTUAL FUNDS, INC.
(the "Company")
Institutional Shares
of the
Treasury Money Market Portfolio, Money Market Portfolio,
U.S. Government Securities Portfolio, Intermediate Corporate
Bond Portfolio, Bond Index Portfolio, Government
& Corporate Bond Portfolio, Balanced Portfolio,
Equity Income Portfolio, Equity Index Portfolio,
Growth & Income Equity Portfolio, Growth Equity
Portfolio, Small Cap Equity Portfolio,
Small Cap Equity Index Portfolio and
International Equity Portfolio
Supplement dated August 16, 1999
to Prospectus dated March 31, 1999
Merger of Mercantile Bancorporation Inc. and
Firstar Corporation
Mercantile Bancorporation Inc.
("Mercantile") and Firstar Corporation ("Firstar")
have entered into an Agreement and Plan of Merger
dated as of April 30, 1999, as amended June 17, 1999,
which provides for the merger of these two bank
holding companies. The Agreement and Plan of
Merger and the transactions contemplated
thereby, including the merger of Mercantile with
and into Firstar, were approved by shareholders of
Mercantile and Firstar at special
meetings of shareholders held on July 28, 1999.
The merger is expected to be completed on or about
September 17, 1999.
As a result of the merger, Mississippi
Valley Advisors Inc. ("MVA"), the Company's
investment adviser and currently an indirect
wholly owned subsidiary of Mercantile, will become
an indirect wholly owned subsidiary of Firstar.
MVA will continue to serve as the Company's
investment adviser following the merger.
Firstar is a Wisconsin corporation
with a principal office at Firstar Center, 777
East Wisconsin Avenue, Milwaukee, Wisconsin 53202.
At March 31, 1999, Firstar had consolidated total
assets of approximately $38 billion.
??
??
(..continued)
(continued...)
PHTRANS\289442\1 - 1 -
INSTSUPP
MERCANTILE MUTUAL FUNDS, INC.
(the "Company")
Trust Shares and Trust II Shares
of the
Treasury Money Market Portfolio, Money Market
Portfolio, Tax-Exempt Money Market Portfolio,
U.S. Government Securities Portfolio, Intermediate
Corporate Bond Portfolio, Bond Index Portfolio,
Government & Corporate Bond Portfolio,
Short-Intermediate Municipal Portfolio, Missouri
Tax-Exempt Bond Portfolio, National Municipal Bond
Portfolio, Balanced Portfolio, Equity Income Portfolio,
Equity Index Portfolio, Growth & Income Equity
Portfolio, Growth Equity Portfolio, Small Cap Equity
Portfolio, Small Cap Equity Index Portfolio and
International Equity Portfolio
Supplement dated August 16, 1999
to Prospectus dated March 31, 1999
Merger of Mercantile Bancorporation Inc. and
Firstar Corporation
Mercantile Bancorporation Inc.
("Mercantile") and Firstar Corporation ("Firstar")
have entered into an Agreement and Plan of Merger
dated as of April 30, 1999, as amended June 17, 1999,
which provides for the merger of these two bank
holding companies. The Agreement and Plan of
Merger and the transactions contemplated thereby,
including the merger of Mercantile with and into
Firstar, were approved by shareholders of
Mercantile and Firstar at special meetings of
shareholders held on July 28, 1999. The merger is
expected to be completed on or about September 17,
1999.
As a result of the merger, Mississippi
Valley Advisors Inc. ("MVA"), the Company's
investment adviser and currently an indirect
wholly owned subsidiary of Mercantile, will
become an indirect wholly owned subsidiary of
Firstar. MVA will continue to serve as
the Company's investment adviser following the merger.
Firstar is a Wisconsin corporation
with a principal office at Firstar Center, 777
East Wisconsin Avenue, Milwaukee, Wisconsin
53202. At March 31, 1999, Firstar had
consolidated total assets of approximately
$38 billion.
??
??
(..continued)
(continued...)
PHTRANS\289447\1 - 1 -
TRUSTSUP
The Board of Directors of
Mercantile Mutual Funds, Inc.:
In planning and performing our audits of the financial statements of
Mercantile Mutual Funds, Inc. for the year ended November 30, 1999,
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, not to
provide assurance on internal control.
The management of Mercantile Mutual Funds, Inc. 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 any 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 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 internal control components does
not reduce to a relatively low level the risk that misstatements
caused by error 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 internal control and its operation, including controls for
safeguarding securities, that we consider to be material weaknesses
as defined above as of November 30, 1999.
This report is intended solely for the information and use of
management, the Board of Directors of Mercantile Mutual Funds, Inc.,
and the Securities and Exchange Commission and is not intended to be
and should not be used by anyone other than these specified parties.
KPMG LLP
Columbus, Ohio
January 21, 2000
