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<PAGE> PAGE 2
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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 9
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<PAGE> PAGE 12
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<PAGE> PAGE 13
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<PAGE> PAGE 14
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<PAGE> PAGE 21
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<PAGE> PAGE 22
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048 I010400 0
048 I020400 0.000
048 J010400 0
048 J020400 0.000
048 K010400 0
048 K020400 0.000
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050 000400 N
051 000400 N
052 000400 N
053 A000400 N
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062 C000400 0.0
062 D000400 0.0
062 E000400 0.0
062 F000400 0.0
062 G000400 0.0
062 H000400 0.0
062 I000400 0.0
062 J000400 0.0
062 K000400 0.0
062 L000400 0.0
062 M000400 0.0
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062 O000400 0.0
062 P000400 0.0
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063 A000400 0
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066 A000400 Y
066 B000400 Y
066 C000400 N
066 D000400 N
066 E000400 N
066 F000400 N
066 G000400 N
067 000400 N
068 A000400 N
068 B000400 N
069 000400 N
070 A010400 Y
070 A020400 Y
<PAGE> PAGE 23
070 B010400 Y
070 B020400 Y
070 C010400 N
070 C020400 N
070 D010400 Y
070 D020400 N
070 E010400 N
070 E020400 N
070 F010400 N
070 F020400 N
070 G010400 N
070 G020400 N
070 H010400 N
070 H020400 N
070 I010400 N
070 I020400 N
070 J010400 Y
070 J020400 N
070 K010400 Y
070 K020400 N
070 L010400 Y
070 L020400 N
070 M010400 Y
070 M020400 N
070 N010400 Y
070 N020400 N
070 O010400 Y
070 O020400 N
070 P010400 N
070 P020400 N
070 Q010400 N
070 Q020400 N
070 R010400 N
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<PAGE> PAGE 24
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<PAGE> PAGE 25
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075 A000400 0
075 B000400 98959
076 000400 0.00
080 A000400 GREAT AMERICAN INSURNACE COMPANY
080 C000400 3000
081 A000400 Y
081 B000400 2
082 A000400 Y
082 B000400 25
083 A000400 N
083 B000400 0
084 A000400 N
084 B000400 0
085 A000400 Y
085 B000400 N
008 A000501 CITIZENS ADVISERS
008 B000501 A
008 C000501 801-35933
008 D010501 PORTSMOUTH
008 D020501 NH
008 D030501 03801
008 A000502 CLEMENTE CAPITAL, INC.
008 B000502 S
008 C000502 801-16247
008 D010502 NEW YORK
008 D020502 NY
008 D030502 10019
024 000500 N
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<PAGE> PAGE 26
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048 I020500 0.000
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<PAGE> PAGE 27
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048 K020500 0.000
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066 A000500 Y
066 B000500 N
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066 D000500 N
066 E000500 N
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067 000500 N
068 A000500 N
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069 000500 N
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070 A020500 Y
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070 C020500 N
070 D010500 Y
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070 E020500 N
070 F010500 N
070 F020500 N
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<PAGE> PAGE 28
070 G020500 N
070 H010500 N
070 H020500 N
070 I010500 N
070 I020500 N
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070 J020500 N
070 K010500 Y
070 K020500 Y
070 L010500 Y
070 L020500 Y
070 M010500 Y
070 M020500 Y
070 N010500 Y
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071 B000500 35321
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072 B000500 281
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<PAGE> PAGE 29
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080 A000500 GREAT AMERICAN INSURANCE COMPANY
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<PAGE> PAGE 30
082 B000500 25
083 A000500 N
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085 A000500 Y
085 B000500 N
042 A000800 0
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SIGNATURE SEAN DRISCOLL
TITLE TREASURER
REPORT OF INDEPENDENT ACCOUNTANTS
To the Board of Trustees of Citizens Funds, consisting of:
Working Assets Money Market Fund
Citizens Income Fund
Citizens Index Fund
Citizens Emerging Growth Fund
Citizens Global Equity Fund, collectively the "Funds"
In planning and performing our audit of the financial statements and
financial highlights of the Funds for the year ended June 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 financial highlights and
to comply with the requirements of Form N-SAR, not to provide assurance on
internal control.
The management of Citizens Funds 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 and financial
highlights 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, error 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
of the 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 and financial highlights 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 over
safeguarding securities, that we consider to be material weaknesses as defined
above as of June 30, 1999.
<PAGE>
This report is intended solely for the information and use of management,
the Board of Trustees of Citizens Funds, and the Securities and Exchange
Commission.
PricewaterhouseCoopers LLP
Boston, Massachusetts
August 12, 1999
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000711202
<NAME> Working Assets Money Market Fund-Standard Shares
<S> <C>
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<FISCAL-YEAR-END> JUN-30-1999
<PERIOD-START> JUL-01-1998
<PERIOD-END> JUN-30-1999
<INVESTMENTS-AT-COST> 125,984,064
<INVESTMENTS-AT-VALUE> 125,984,064
<RECEIVABLES> 1,228,912
<ASSETS-OTHER> 1,806,540
<OTHER-ITEMS-ASSETS> 0
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<PAYABLE-FOR-SECURITIES> 0
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<OTHER-ITEMS-LIABILITIES> 816,028
<TOTAL-LIABILITIES> 816,028
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 128,203,488
<SHARES-COMMON-STOCK> 105,862,947
<SHARES-COMMON-PRIOR> 103,720,315
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 105,739,724
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 6,522,594
<OTHER-INCOME> 0
<EXPENSES-NET> (1,395,647)
<NET-INVESTMENT-INCOME> 5,126,947
<REALIZED-GAINS-CURRENT> 0
<APPREC-INCREASE-CURRENT> 0
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<DISTRIBUTIONS-OF-INCOME> (4,199,590)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 183,200,597
<NUMBER-OF-SHARES-REDEEMED> (185,186,268)
<SHARES-REINVESTED> 4,128,302
<NET-CHANGE-IN-ASSETS> 6,427,903
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 440,357
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1,448,557
<AVERAGE-NET-ASSETS> 105,063,954
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> 0.040
<PER-SHARE-GAIN-APPREC> 0
<PER-SHARE-DIVIDEND> (0.040)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> 1.19
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000711202
<NAME> Working Assets Money Market Fund-Inst.Class Shares
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> JUN-30-1999
<PERIOD-START> JUL-01-1998
<PERIOD-END> JUN-30-1999
<INVESTMENTS-AT-COST> 125,984,064
<INVESTMENTS-AT-VALUE> 125,984,064
<RECEIVABLES> 1,228,912
<ASSETS-OTHER> 1,806,540
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 122,019,516
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 816,028
<TOTAL-LIABILITIES> 816,028
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 128,203,488
<SHARES-COMMON-STOCK> 22,463,764
<SHARES-COMMON-PRIOR> 18,178,492
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 22,463,764
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 6,522,594
<OTHER-INCOME> 0
<EXPENSES-NET> (1,395,647)
<NET-INVESTMENT-INCOME> 5,126,947
<REALIZED-GAINS-CURRENT> 0
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 5,126,947
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (927,351)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 16,168,511
<NUMBER-OF-SHARES-REDEEMED> (12,799,243)
<SHARES-REINVESTED> 916,004
<NET-CHANGE-IN-ASSETS> 6,427,903
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 440,357
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1,448,557
<AVERAGE-NET-ASSETS> 20,752,165
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> 0.045
<PER-SHARE-GAIN-APPREC> 0
<PER-SHARE-DIVIDEND> (0.045)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> 0.70
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000711202
<NAME> Citizens Income Fund
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> JUN-30-1999
<PERIOD-START> JUL-01-1998
<PERIOD-END> JUN-30-1999
<INVESTMENTS-AT-COST> 63,237,882
<INVESTMENTS-AT-VALUE> 62,144,952
<RECEIVABLES> 1,935,400
<ASSETS-OTHER> 2,331
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 64,082,683
<PAYABLE-FOR-SECURITIES> 995,520
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 250,613
<TOTAL-LIABILITIES> 1,246,133
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 63,905,030
<SHARES-COMMON-STOCK> 5,980,757
<SHARES-COMMON-PRIOR> 4,657,040
<ACCUMULATED-NII-CURRENT> (4,624)
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 29,074
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> (1,092,930)
<NET-ASSETS> 62,836,550
<DIVIDEND-INCOME> 151,757
<INTEREST-INCOME> 3,956,125
<OTHER-INCOME> 0
<EXPENSES-NET> (857,017)
<NET-INVESTMENT-INCOME> 3,250,865
<REALIZED-GAINS-CURRENT> 150,138
<APPREC-INCREASE-CURRENT> (3,034,149)
<NET-CHANGE-FROM-OPS> 366,854
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (3,223,689)
<DISTRIBUTIONS-OF-GAINS> (130,143)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 2,219,779
<NUMBER-OF-SHARES-REDEEMED> (1,159,452)
<SHARES-REINVESTED> 263,390
<NET-CHANGE-IN-ASSETS> 11,470,941
<ACCUMULATED-NII-PRIOR> (27,361)
<ACCUMULATED-GAINS-PRIOR> (1,858)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 384,180
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 880,286
<AVERAGE-NET-ASSETS> 59,104,644
<PER-SHARE-NAV-BEGIN> 11.03
<PER-SHARE-NII> 0.59
<PER-SHARE-GAIN-APPREC> (0.50)
<PER-SHARE-DIVIDEND> (0.59)
<PER-SHARE-DISTRIBUTIONS> (0.02)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.51
<EXPENSE-RATIO> 1.45
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000711202
<NAME> Citizens Index Fund-Standard Shares
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> JUN-30-1999
<PERIOD-START> JUL-01-1998
<PERIOD-END> JUN-30-1999
<INVESTMENTS-AT-COST> 420,834,118
<INVESTMENTS-AT-VALUE> 679,196,423
<RECEIVABLES> 24,622,100
<ASSETS-OTHER> 24,729
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 703,843,252
<PAYABLE-FOR-SECURITIES> 25,570,444
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 1,282,129
<TOTAL-LIABILITIES> 26,852,573
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 383,494,292
<SHARES-COMMON-STOCK> 18,949,288
<SHARES-COMMON-PRIOR> 14,555,329
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 35,134,082
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 258,362,305
<NET-ASSETS> 578,285,622
<DIVIDEND-INCOME> 4,230,183
<INTEREST-INCOME> 168,594
<OTHER-INCOME> 0
<EXPENSES-NET> (7,299,520)
<NET-INVESTMENT-INCOME> (2,900,743)
<REALIZED-GAINS-CURRENT> 37,531,851
<APPREC-INCREASE-CURRENT> 102,701,896
<NET-CHANGE-FROM-OPS> 137,333,004
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> (4,955,929)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 8,299,062
<NUMBER-OF-SHARES-REDEEMED> (4,082,071)
<SHARES-REINVESTED> 176,968
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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
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<NAME> Citizens Index Fund-Institutional Class Shares
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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
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<NAME> Citizens Emerging Growth Fund
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<CIK> 0000711202
<NAME> Citizens Global Equity Fund
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