<PAGE> PAGE 1
000 B000000 12/31/99
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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 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 10
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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 14
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<PAGE> PAGE 15
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<PAGE> PAGE 16
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<PAGE> PAGE 17
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<PAGE> PAGE 18
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<PAGE> PAGE 19
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<PAGE> PAGE 20
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SIGNATURE FRANK L. PEPE
TITLE TREASURER
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
THE GUARDIAN STOCK FUND
This schedule contains financial information extracted from the "Annual
Report to Shareholders" dated December 31, 1999, and is qualified in its
entirety by reference to such financial statements.
</LEGEND>
<CIK> 0000711673
<NAME> THE GUARDIAN VARIABLE CONTRACT FUNDS, INC.
<SERIES>
<NUMBER> 01
<NAME> THE GUARDIAN STOCK FUND
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<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> DEC-31-1999
<INVESTMENTS-AT-COST> 2,674,349
<INVESTMENTS-AT-VALUE> 4,197,144
<RECEIVABLES> 1,800
<ASSETS-OTHER> 99
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 4,199,043
<PAYABLE-FOR-SECURITIES> 20,910
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 3,046
<TOTAL-LIABILITIES> 23,956
<SENIOR-EQUITY> 76
<PAID-IN-CAPITAL-COMMON> 2,493,738
<SHARES-COMMON-STOCK> 75,636
<SHARES-COMMON-PRIOR> 74,671
<ACCUMULATED-NII-CURRENT> 241
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 158,237
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 1,522,795
<NET-ASSETS> 4,175,087
<DIVIDEND-INCOME> 28,497
<INTEREST-INCOME> 6,828
<OTHER-INCOME> 0
<EXPENSES-NET> 18,982
<NET-INVESTMENT-INCOME> 16,343
<REALIZED-GAINS-CURRENT> 635,479
<APPREC-INCREASE-CURRENT> 367,760
<NET-CHANGE-FROM-OPS> 1,019,582
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 16,388
<DISTRIBUTIONS-OF-GAINS> 563,141
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 3,896
<NUMBER-OF-SHARES-REDEEMED> (13,884)
<SHARES-REINVESTED> 10,953
<NET-CHANGE-IN-ASSETS> 509,891
<ACCUMULATED-NII-PRIOR> 286
<ACCUMULATED-GAINS-PRIOR> 85,899
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 18,271
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 18,982
<AVERAGE-NET-ASSETS> 3,654,217
<PER-SHARE-NAV-BEGIN> 49.08
<PER-SHARE-NII> 0.24
<PER-SHARE-GAIN-APPREC> 14.49
<PER-SHARE-DIVIDEND> (0.24)
<PER-SHARE-DISTRIBUTIONS> (8.37)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 55.20
<EXPENSE-RATIO> 0.52
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
THE GUARDIAN VC 500 INDEX FUND
This schedule contains financial information extracted from the "Annual
Report to Shareholders" dated December 31, 1999, and is qualified in its
entirety by reference to such financial statements.
</LEGEND>
<CIK> 0000711673
<NAME> THE GUARDIAN VARIABLE CONTRACT FUNDS, INC.
<SERIES>
<NUMBER> 02
<NAME> THE GUARDIAN VC 500 INDEX FUND
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 4-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> SEP-13-1999
<PERIOD-END> DEC-31-1999
<INVESTMENTS-AT-COST> 202,874
<INVESTMENTS-AT-VALUE> 217,626
<RECEIVABLES> 237
<ASSETS-OTHER> 1
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 217,864
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 60
<TOTAL-LIABILITIES> 60
<SENIOR-EQUITY> 20
<PAID-IN-CAPITAL-COMMON> 202,672
<SHARES-COMMON-STOCK> 20,267
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 8
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 352
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 14,752
<NET-ASSETS> 217,804
<DIVIDEND-INCOME> 883
<INTEREST-INCOME> 22
<OTHER-INCOME> 0
<EXPENSES-NET> 207
<NET-INVESTMENT-INCOME> 698
<REALIZED-GAINS-CURRENT> 385
<APPREC-INCREASE-CURRENT> 14,752
<NET-CHANGE-FROM-OPS> 15,835
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 690
<DISTRIBUTIONS-OF-GAINS> 32
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 20,230
<NUMBER-OF-SHARES-REDEEMED> (32)
<SHARES-REINVESTED> 69
<NET-CHANGE-IN-ASSETS> 217,804
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 176
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 257
<AVERAGE-NET-ASSETS> 201,038
<PER-SHARE-NAV-BEGIN> 9.92
<PER-SHARE-NII> 0.03
<PER-SHARE-GAIN-APPREC> 0.83
<PER-SHARE-DIVIDEND> (0.03)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.75
<EXPENSE-RATIO> 0.37
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
THE GUARDIAN VC ASSET ALLOCATION FUND
This schedule contains financial information extracted from the "Annual
Report to Shareholders" dated December 31, 1999, and is qualified in its
entirety by reference to such financial statements.
</LEGEND>
<CIK> 0000711673
<NAME> THE GUARDIAN VARIABLE CONTRACT FUNDS, INC.
<SERIES>
<NUMBER> 03
<NAME> THE GUARDIAN VC ASSET ALLOCATION FUND
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 4-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> SEP-13-1999
<PERIOD-END> DEC-31-1999
<INVESTMENTS-AT-COST> 27,357
<INVESTMENTS-AT-VALUE> 27,759
<RECEIVABLES> 28
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 27,787
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 37
<TOTAL-LIABILITIES> 37
<SENIOR-EQUITY> 3
<PAID-IN-CAPITAL-COMMON> 26,030
<SHARES-COMMON-STOCK> 2,599
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 1
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 1,325
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 391
<NET-ASSETS> 27,750
<DIVIDEND-INCOME> 190
<INTEREST-INCOME> 169
<OTHER-INCOME> 0
<EXPENSES-NET> 51
<NET-INVESTMENT-INCOME> 308
<REALIZED-GAINS-CURRENT> 1,325
<APPREC-INCREASE-CURRENT> 391
<NET-CHANGE-FROM-OPS> 2,024
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 308
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 2,570
<NUMBER-OF-SHARES-REDEEMED> (0)
<SHARES-REINVESTED> 29
<NET-CHANGE-IN-ASSETS> 27,750
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 16
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 51
<AVERAGE-NET-ASSETS> 25,704
<PER-SHARE-NAV-BEGIN> 10.00
<PER-SHARE-NII> 0.12
<PER-SHARE-GAIN-APPREC> 0.68
<PER-SHARE-DIVIDEND> (0.12)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.68
<EXPENSE-RATIO> 0.67
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
THE GUARDIAN VC HIGH YIELD BOND FUND
This schedule contains financial information extracted from the "Annual
Report to Shareholders" dated December 31, 1999, and is qualified in its
entirety by reference to such financial statements.
</LEGEND>
<CIK> 0000711673
<NAME> THE GUARDIAN VARIABLE CONTRACT FUNDS, INC.
<SERIES>
<NUMBER> 04
<NAME> THE GUARDIAN VC HIGH YIELD BOND FUND
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 4-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> SEP-13-1999
<PERIOD-END> DEC-31-1999
<INVESTMENTS-AT-COST> 25,505
<INVESTMENTS-AT-VALUE> 25,752
<RECEIVABLES> 501
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 26,253
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 365
<TOTAL-LIABILITIES> 365
<SENIOR-EQUITY> 3
<PAID-IN-CAPITAL-COMMON> 25,796
<SHARES-COMMON-STOCK> 2,580
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 1
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 159
<ACCUM-APPREC-OR-DEPREC> 247
<NET-ASSETS> 25,888
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 651
<OTHER-INCOME> 0
<EXPENSES-NET> 77
<NET-INVESTMENT-INCOME> 574
<REALIZED-GAINS-CURRENT> (158)
<APPREC-INCREASE-CURRENT> 247
<NET-CHANGE-FROM-OPS> 663
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (573)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 2,525
<NUMBER-OF-SHARES-REDEEMED> (2)
<SHARES-REINVESTED> 57
<NET-CHANGE-IN-ASSETS> 25,888
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 45
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 77
<AVERAGE-NET-ASSETS> 20,432
<PER-SHARE-NAV-BEGIN> 9.99
<PER-SHARE-NII> 0.23
<PER-SHARE-GAIN-APPREC> 0.05
<PER-SHARE-DIVIDEND> (0.23)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.04
<EXPENSE-RATIO> 1.17
</TABLE>
