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HERITAGE CAPITAL APPRECIATION TRUST
Supplement dated January 29, 1996 to the
Prospectus dated January 2, 1996
The following sentence should be added prior to the last sentence
of the last paragraph in "Performance Information" on page 6:
Additional performance information is contained in the Trust's annual
report, which may be obtained, without charge, by contacting the Trust at
(800) 421-4184.
The following sentence should replace the last three sentences in
"Heritage Net Asset Value ("NAV") Transfer Program" on the top of page 11:
In addition, shares of the other fund must have been liquidated no more
than 90 days prior to the purchase of shares of a Heritage Mutual Fund.
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