<PAGE> PAGE 1
000 B000000 12/31/95
000 C000000 715143
000 D000000 N
000 E000000 NF
000 F000000 Y
000 G000000 N
000 H000000 N
000 I000000 3.0
000 J000000 U
001 A000000 HORACE MANN SHORT-TERM INVESMENT FUND, INC.
001 B000000 811-3666
001 C000000 2177885304
002 A000000 #1 HORCE MANN PLAZA
002 B000000 SPRINGFIELD
002 C000000 IL
002 D010000 62715
002 D020000 0001
003 000000 N
004 000000 N
005 000000 N
006 000000 N
007 A000000 N
007 B000000 0
022 A000001 LEHMAN BROTHERS INC.
022 B000001 13-2518466
022 C000001 1195
022 D000001 924
022 A000002 MERRILL LYNCH & CO.
022 B000002 13-5674085
022 C000002 1479
022 D000002 50
022 A000003 HSBC SECURITIES
022 B000003 13-2650272
022 C000003 782
022 D000003 0
022 A000004 MORGAN STANLEY & CO. INCORPORATED
022 B000004 13-1954368
022 C000004 99
022 D000004 210
022 A000005 SANWA SECURITIES
022 B000005 13-3046258
022 C000005 296
022 D000005 0
022 A000006 AUBREY G. LANSTON & CO. INC.
022 B000006 13-5552129
022 C000006 189
022 D000006 70
022 A000007 J.P. MORGAN SECURITIES
022 B000007 13-3224016
022 C000007 204
022 D000007 0
<PAGE> PAGE 2
022 A000008 PAINEWEBBER INCORPORATED
022 B000008 13-2638166
022 C000008 99
022 D000008 0
022 A000009 FIRST TENNESSE BANK
022 B000009 62-0201385
022 C000009 50
022 D000009 0
022 A000010 PRUDENTIAL BACHE SECURITIES
022 B000010 22-2347336
022 C000010 49
022 D000010 0
023 C000000 4539
023 D000000 1253
027 000000 Y
028 A010000 1418
028 A020000 0
028 A030000 0
028 A040000 1367
028 B010000 1385
028 B020000 0
028 B030000 0
028 B040000 266
028 C010000 297
028 C020000 0
028 C030000 0
028 C040000 272
028 D010000 94
028 D020000 0
028 D030000 0
028 D040000 294
028 E010000 266
028 E020000 0
028 E030000 0
028 E040000 262
028 F010000 8
028 F020000 59
028 F030000 0
028 F040000 76
028 G010000 3468
028 G020000 59
028 G030000 0
028 G040000 2537
028 H000000 0
055 A000000 N
055 B000000 N
056 000000 Y
057 000000 N
062 A000000 Y
062 B000000 0.0
062 C000000 100.0
<PAGE> PAGE 3
062 D000000 0.0
062 E000000 0.0
062 F000000 0.0
062 G000000 0.0
062 H000000 0.0
062 I000000 0.0
062 J000000 0.0
062 K000000 0.0
062 L000000 0.0
062 M000000 0.0
062 N000000 0.0
062 O000000 0.0
062 P000000 0.0
062 Q000000 0.0
062 R000000 0.0
063 A000000 45
063 B000000 0.0
066 A000000 N
067 000000 N
068 A000000 N
068 B000000 N
069 000000 N
071 A000000 0
071 B000000 0
071 C000000 0
071 D000000 0
072 A000000 12
072 B000000 68
072 C000000 0
072 D000000 0
072 E000000 0
072 F000000 0
072 G000000 0
072 H000000 0
072 I000000 0
072 J000000 6
072 K000000 0
072 L000000 0
072 M000000 3
072 N000000 0
072 O000000 0
072 P000000 0
072 Q000000 0
072 R000000 0
072 S000000 0
072 T000000 0
072 U000000 0
072 V000000 0
072 W000000 0
072 X000000 9
072 Y000000 0
<PAGE> PAGE 4
072 Z000000 59
072AA000000 0
072BB000000 0
072CC010000 0
072CC020000 0
072DD010000 59
072DD020000 0
072EE000000 0
073 A010000 0.6085
073 A020000 0.0000
073 B000000 0.0004
073 C000000 0.0000
074 A000000 4
074 B000000 0
074 C000000 1020
074 D000000 0
074 E000000 0
074 F000000 0
074 G000000 0
074 H000000 0
074 I000000 0
074 J000000 0
074 K000000 1
074 L000000 0
074 M000000 0
074 N000000 1025
074 O000000 0
074 P000000 16
074 Q000000 0
074 R010000 0
074 R020000 0
074 R030000 0
074 R040000 3
074 S000000 0
074 T000000 1006
074 U010000 101
074 U020000 0
074 V010000 10.00
074 V020000 0.00
074 W000000 0.0000
074 X000000 3
074 Y000000 0
075 A000000 0
075 B000000 1146
076 000000 0.00
077 A000000 Y
077 B000000 Y
077 C000000 N
077 D000000 N
077 E000000 N
077 F000000 N
<PAGE> PAGE 5
077 G000000 N
077 H000000 N
077 I000000 N
077 J000000 N
077 K000000 N
077 L000000 N
077 M000000 N
077 N000000 N
077 O000000 N
077 P000000 N
077 Q010000 N
077 Q020000 N
077 Q030000 N
080 A000000 NATIONAL UNION FIRE INSURANCE COMPANY
080 C000000 1900
081 A000000 Y
081 B000000 3
082 A000000 N
082 B000000 0
083 A000000 N
083 B000000 0
084 A000000 N
084 B000000 0
085 A000000 Y
085 B000000 N
SIGNATURE WILLIAM J. KELLY
TITLE OFFICER
<TABLE> <S> <C>
<ARTICLE> 6
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-END> DEC-31-1995
<INVESTMENTS-AT-COST> 1,020
<INVESTMENTS-AT-VALUE> 1,020
<RECEIVABLES> 1
<ASSETS-OTHER> 4
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 1,025
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 19
<TOTAL-LIABILITIES> 19
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 10
<SHARES-COMMON-STOCK> 101
<SHARES-COMMON-PRIOR> 111
<ACCUMULATED-NII-CURRENT> 1
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 1,006
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 68
<OTHER-INCOME> 0
<EXPENSES-NET> 9
<NET-INVESTMENT-INCOME> 59
<REALIZED-GAINS-CURRENT> 0
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 59
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 59
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 710
<NUMBER-OF-SHARES-REDEEMED> 724
<SHARES-REINVESTED> 4
<NET-CHANGE-IN-ASSETS> (108)
<ACCUMULATED-NII-PRIOR> 1
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 2
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 27
<AVERAGE-NET-ASSETS> 1,146
<PER-SHARE-NAV-BEGIN> 10.08
<PER-SHARE-NII> .61
<PER-SHARE-GAIN-APPREC> 0
<PER-SHARE-DIVIDEND> .61
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.00
<EXPENSE-RATIO> .84
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>