<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
THE GUARDIAN VC ASSET ALLOCATION FUND
This schedule contains financial information extracted from the "semiannual
Report to Shareholders" dated June 30, 2000, 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> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<INVESTMENTS-AT-COST> 31,747
<INVESTMENTS-AT-VALUE> 32,983
<RECEIVABLES> 12
<ASSETS-OTHER> 216
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 33,211
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 62
<TOTAL-LIABILITIES> 62
<SENIOR-EQUITY> 3
<PAID-IN-CAPITAL-COMMON> 30,158
<SHARES-COMMON-STOCK> 2,971
<SHARES-COMMON-PRIOR> 2,599
<ACCUMULATED-NII-CURRENT> 323
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 1,364
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 1,301
<NET-ASSETS> 33,149
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 388
<OTHER-INCOME> 0
<EXPENSES-NET> 66
<NET-INVESTMENT-INCOME> 322
<REALIZED-GAINS-CURRENT> 39
<APPREC-INCREASE-CURRENT> 910
<NET-CHANGE-FROM-OPS> 1,271
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 385
<NUMBER-OF-SHARES-REDEEMED> (13)
<SHARES-REINVESTED> 0
<NET-CHANGE-IN-ASSETS> 5,399
<ACCUMULATED-NII-PRIOR> 1
<ACCUMULATED-GAINS-PRIOR> 1,325
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 75
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 108
<AVERAGE-NET-ASSETS> 30,253
<PER-SHARE-NAV-BEGIN> 10.68
<PER-SHARE-NII> 0.11
<PER-SHARE-GAIN-APPREC> 0.37
<PER-SHARE-DIVIDEND> 0
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 11.16
<EXPENSE-RATIO> 0.44
</TABLE>
