<PAGE> PAGE 1
000 A000000 11/30/96
000 C000000 778202
000 D000000 N
000 E000000 NF
000 F000000 Y
000 G000000 N
000 H000000 N
000 I000000 3.0.a
000 J000000 A
001 A000000 ARMADA FUNDS
001 B000000 811-4416
001 C000000 3027912919
002 A000000 4400 COMPUTER DRIVE
002 B000000 WESTBOROUGH
002 C000000 MA
002 D010000 01581
003 000000 N
004 000000 N
005 000000 N
006 000000 N
007 A000000 Y
007 B000000 15
007 C010100 1
007 C020100 MONEY MARKET FUND
007 C030100 N
007 C010200 2
007 C020200 GOVERNMENT FUND
007 C030200 N
007 C010300 3
007 C020300 TREASURY FUND
007 C030300 N
007 C010400 4
007 C020400 TAX-EXEMPT FUND
007 C030400 N
007 C010500 5
007 C010600 6
007 C010700 7
007 C010800 8
007 C020800 EQUITY FUND
007 C030800 N
007 C010900 9
007 C020900 FIXED INCOME FUND
007 C030900 N
007 C011000 10
007 C021000 OHIO TAX EXEMPT FUND
007 C031000 N
007 C011100 11
007 C021100 EQUITY INCOME FUND
007 C031100 N
007 C011200 12
007 C021200 MID CAP REGIONAL FUND
<PAGE> PAGE 2
007 C031200 N
007 C011300 13
007 C021300 ENHANCED INCOME FUND
007 C031300 N
007 C011400 14
007 C021400 TOTAL RETURN ADVANTAGE FUND
007 C031400 N
007 C011500 15
007 C021500 INTERMEDIATE GOVERNMENT FUND
007 C031500 N
007 C011600 16
007 C021600 GNMA FUND
007 C031600 N
007 C011700 17
007 C021700 PENNSYLVANIA TAX EXEMPT FUND
007 C031700 N
007 C011800 18
007 C021800 PENNSYLVANIA MUNICIPAL FUND
007 C031800 N
007 C011900 19
007 C012000 20
007 C012100 21
007 C012200 22
007 C012300 23
007 C012400 24
007 C012500 25
007 C012600 26
007 C012700 27
007 C012800 28
007 C012900 29
007 C013000 30
007 C013100 31
007 C013200 32
007 C013300 33
007 C013400 34
007 C013500 35
007 C013600 36
007 C013700 37
007 C013800 38
007 C013900 39
007 C014000 40
007 C014100 41
007 C014200 42
007 C014300 43
007 C014400 44
007 C014500 45
007 C014600 46
007 C014700 47
007 C014800 48
007 C014900 49
007 C015000 50
<PAGE> PAGE 3
007 C015100 51
007 C015200 52
007 C015300 53
007 C015400 54
007 C015500 55
007 C015600 56
007 C015700 57
007 C015800 58
007 C015900 59
007 C016000 60
007 C016100 61
007 C016200 62
007 C016300 63
007 C016400 64
007 C016500 65
007 C016600 66
007 C016700 67
007 C016800 68
007 C016900 69
007 C017000 70
007 C017100 71
007 C017200 72
007 C017300 73
007 C017400 74
007 C017500 75
007 C017600 76
007 C017700 77
007 C017800 78
007 C017900 79
007 C018000 80
007 C018100 81
007 C018200 82
007 C018300 83
007 C018400 84
007 C018500 85
007 C018600 86
007 C018700 87
007 C018800 88
007 C018900 89
007 C019000 90
010 A00AA01 PFPC INC.
010 B00AA01 85-1196
010 C01AA01 WILMINGTON
010 C02AA01 DE
010 C03AA01 19809
011 A00AA01 440 FINANCIAL DISTRIBUTORS, INC.
011 B00AA01 8-8-33488
011 C01AA01 WESTBOROUGH
011 C02AA01 MA
011 C03AA01 01581
012 A00AA01 FIRST DATA INVESTOR SERVICES GROUP
<PAGE> PAGE 4
012 B00AA01 85-33488
012 C01AA01 WORCESTER
012 C02AA01 MA
012 C03AA01 01653
013 A00AA01 ERNST AND YOUNG L.L.P.
013 B01AA01 PHILADELPHIA
013 B02AA01 PA
013 B03AA01 19103
018 00AA00 Y
019 A00AA00 N
019 B00AA00 0
020 A000001 INSTINET
020 B000001 13-3443395
020 C000001 57
020 A000002 PRUDENTIAL SECURITIES
020 B000002 22-2347336
020 C000002 35
020 A000003 BRIDGE TRADING
020 B000003 43-1450530
020 C000003 33
020 A000004 PAINE WEBBER JACKSON CURTIS
020 B000004 13-2638106
020 C000004 33
020 A000005 LEGG MASON WOOD WALKER
020 B000005 52-0902557
020 C000005 25
020 A000006 MONNESS, CRESPI, HARAT
020 B000006 13-2878577
020 C000006 24
020 A000007 FRANCIS MAGLIO & CO.
020 B000007 22-2854776
020 C000007 24
020 A000008 SALOMON BROTHERS
020 B000008 13-3082694
020 C000008 24
020 A000009 CS FIRST BOSTON CORP.
020 B000009 13-5659485
020 C000009 23
020 A000010 STANDARD & POORS CO.
020 B000010 13-3145333
020 C000010 22
021 000000 570
022 A000001 PRUDENTIAL SECURITIES
022 B000001 22-2347336
022 C000001 13219130
022 D000001 34595
022 A000002 CS FIRST BOSTON CORPORATION
022 B000002 13-5659485
022 C000002 7530890
022 D000002 379
022 A000003 LEHMAN BROTHERS SECURITIES
<PAGE> PAGE 5
022 B000003 13-2518466
022 C000003 6539209
022 D000003 32570
022 A000004 SMITH BARNEY SHEARSON
022 B000004 13-4941247
022 C000004 6045470
022 D000004 25378
022 A000005 GOLDMAN SACHS & CO.
022 B000005 13-5108880
022 C000005 2748187
022 D000005 712136
022 A000006 MERRILL LYNCH, PIERCE, FENNER
022 B000006 13-5674085
022 C000006 1472496
022 D000006 226296
022 A000007 BANKAMERICA
022 B000007 36-0947896
022 C000007 446947
022 D000007 0
022 A000008 FIRST CHICAGO CAPITAL MARKETS
022 B000008 36-3595942
022 C000008 372898
022 D000008 8400
022 A000009 CHASE SECURITIES INC.
022 B000009 13-3112953
022 C000009 207692
022 D000009 2377
022 A000010 J.P. MORGAN
022 B000010 13-3224016
022 C000010 137694
022 D000010 42994
023 C000000 40216722
023 D000000 1370002
026 A000000 N
026 B000000 N
026 C000000 N
026 D000000 Y
026 E000000 N
026 F000000 N
026 G010000 N
026 G020000 N
026 H000000 N
027 000000 Y
049 00AA00 N
050 00AA00 N
051 00AA00 N
052 00AA00 N
053 A00AA00 Y
053 B00AA00 Y
053 C00AA00 N
054 A00AA00 Y
<PAGE> PAGE 6
054 B00AA00 Y
054 C00AA00 N
054 D00AA00 N
054 E00AA00 N
054 F00AA00 N
054 G00AA00 N
054 H00AA00 N
054 I00AA00 N
054 J00AA00 N
054 K00AA00 N
054 L00AA00 N
054 M00AA00 Y
054 N00AA00 N
054 O00AA00 N
077 A000000 Y
077 B000000 N
077 C000000 Y
077 D000000 Y
077 E000000 Y
077 F000000 N
077 G000000 N
077 H000000 N
077 I000000 N
077 J000000 N
077 K000000 N
077 L000000 N
077 M000000 Y
077 N000000 N
077 O000000 N
077 P000000 N
077 Q010000 Y
077 Q020000 N
077 Q030000 N
078 000000 N
080 A00AA00 NATIONAL UNION FIRE INSURANCE CO.
080 C00AA00 2500
081 A00AA00 N
081 B00AA00 0
082 A00AA00 N
082 B00AA00 0
083 A00AA00 N
083 B00AA00 0
084 A00AA00 N
084 B00AA00 0
085 A00AA00 Y
085 B00AA00 N
086 A01AA00 0
086 A02AA00 0
086 B01AA00 0
086 B02AA00 0
086 C01AA00 0
<PAGE> PAGE 7
086 C02AA00 0
086 D01AA00 0
086 D02AA00 0
086 E01AA00 0
086 E02AA00 0
086 F01AA00 0
086 F02AA00 0
008 A000101 NATIONAL CITY BANK
008 B000101 A
008 C000101 801-0000
008 D010101 CLEVELAND
008 D020101 OH
008 D030101 44114
008 A000102 NATIONAL CITY BANK, COLUMBUS
008 B000102 A
008 C000102 801-0000
008 D010102 COLUMBUS
008 D020102 OH
008 D030102 43251
008 A000103 NATIONAL CITY BANK, KENTUCKY
008 B000103 A
008 C000103 801-0000
008 D010103 LOUISVILLE
008 D020103 KY
008 D030103 40202
008 A000104 NATIONAL ASSET MANAGEMENT CORPORATION
008 B000104 A
008 C000104 801-0000
008 D010104 LOUISVILLE
008 D020104 KY
008 D030104 40202
015 A000101 NATIONAL CITY BANK
015 B000101 C
015 C010101 CLEVELAND
015 C020101 OH
015 C030101 44135
015 E030101 X
015 A000102 DELETE
025 A000101 CS FIRST BOSTON
025 B000101 13-5659485
025 C000101 D
025 D000101 100000
025 A000102 GOLDMAN SACHS
025 B000102 13-5108880
025 C000102 E
025 D000102 21501
025 A000103 SMITH BARNEY SHEARSON
025 B000103 13-1912900
025 C000103 D
025 D000103 90000
025 D000104 0
<PAGE> PAGE 8
025 D000105 0
025 D000106 0
025 D000107 0
025 D000108 0
025 A000109 DELETE
025 D000109 0
025 A000110 DELETE
025 D000110 0
025 A000111 DELETE
025 D000111 0
025 D000112 0
025 D000113 0
025 D000114 0
025 D000115 0
025 D000116 0
028 A010100 433364
028 A020100 1139
028 A030100 0
028 A040100 329351
028 B010100 486422
028 B020100 1134
028 B030100 0
028 B040100 484344
028 C010100 509438
028 C020100 1164
028 C030100 0
028 C040100 467051
028 D010100 738798
028 D020100 1155
028 D030100 0
028 D040100 679198
028 E010100 543631
028 E020100 969
028 E030100 0
028 E040100 530536
028 F010100 553844
028 F020100 1074
028 F030100 0
028 F040100 511468
028 G010100 3265494
028 G020100 6635
028 G030100 0
028 G040100 3001948
028 H000100 0
029 000100 N
030 A000100 0
030 B000100 0.00
030 C000100 0.00
031 A000100 0
031 B000100 0
032 000100 0
<PAGE> PAGE 9
033 000100 0
034 000100 N
035 000100 0
036 B000100 0
037 000100 N
038 000100 0
039 000100 N
040 000100 Y
041 000100 Y
042 A000100 0
042 B000100 0
042 C000100 0
042 D000100 0
042 E000100 0
042 F000100 0
042 G000100 0
042 H000100 100
043 000100 123
044 000100 0
045 000100 Y
046 000100 Y
047 000100 Y
048 000100 0.350
048 A010100 0
048 A020100 0.000
048 B010100 0
048 B020100 0.000
048 C010100 0
048 C020100 0.000
048 D010100 0
048 D020100 0.000
048 E010100 0
048 E020100 0.000
048 F010100 0
048 F020100 0.000
048 G010100 0
048 G020100 0.000
048 H010100 0
048 H020100 0.000
048 I010100 0
048 I020100 0.000
048 J010100 0
048 J020100 0.000
048 K010100 0
048 K020100 0.000
055 A000100 N
055 B000100 N
056 000100 Y
057 000100 N
058 A000100 N
059 000100 Y
<PAGE> PAGE 10
060 A000100 Y
060 B000100 Y
061 000100 0
062 A000100 Y
062 B000100 0.0
062 C000100 24.4
062 D000100 9.6
062 E000100 0.0
062 F000100 0.0
062 G000100 0.0
062 H000100 0.0
062 I000100 62.6
062 J000100 0.0
062 K000100 0.0
062 L000100 2.3
062 M000100 0.0
062 N000100 0.0
062 O000100 0.0
062 P000100 0.0
062 Q000100 0.0
062 R000100 1.1
063 A000100 40
063 B000100 0.0
064 A000100 N
064 B000100 N
066 A000100 N
067 000100 N
068 A000100 N
068 B000100 N
069 000100 N
070 A010100 Y
070 A020100 Y
070 B010100 N
070 B020100 N
070 C010100 N
070 C020100 N
070 D010100 N
070 D020100 N
070 E010100 N
070 E020100 N
070 F010100 N
070 F020100 N
070 G010100 N
070 G020100 N
070 H010100 N
070 H020100 N
070 I010100 N
070 I020100 N
070 J010100 Y
070 J020100 Y
070 K010100 Y
<PAGE> PAGE 11
070 K020100 Y
070 L010100 Y
070 L020100 N
070 M010100 N
070 M020100 N
070 N010100 Y
070 N020100 N
070 O010100 Y
070 O020100 N
070 P010100 Y
070 P020100 N
070 Q010100 N
070 Q020100 N
070 R010100 N
070 R020100 N
071 A000100 0
071 B000100 0
071 C000100 0
071 D000100 0
072 A000100 6
072 B000100 50759
072 C000100 0
072 D000100 0
072 E000100 0
072 F000100 2342
072 G000100 241
072 H000100 0
072 I000100 183
072 J000100 88
072 K000100 0
072 L000100 25
072 M000100 24
072 N000100 56
072 O000100 0
072 P000100 0
072 Q000100 0
072 R000100 25
072 S000100 73
072 T000100 426
072 U000100 0
072 V000100 0
072 W000100 55
072 X000100 3538
072 Y000100 0
072 Z000100 47221
072AA000100 0
072BB000100 0
072CC010100 0
072CC020100 0
072DD010100 38828
072DD020100 8394
<PAGE> PAGE 12
072EE000100 0
073 A010100 0.0254
073 A020100 0.0249
073 B000100 0.0000
073 C000100 0.0000
074 A000100 0
074 B000100 190000
074 C000100 1754981
074 D000100 0
074 E000100 0
074 F000100 0
074 G000100 0
074 H000100 0
074 I000100 21501
074 J000100 0
074 K000100 0
074 L000100 643
074 M000100 53
074 N000100 1967178
074 O000100 0
074 P000100 405
074 Q000100 0
074 R010100 0
074 R020100 0
074 R030100 0
074 R040100 9091
074 S000100 0
074 T000100 1957682
074 U010100 1614171
074 U020100 343519
074 V010100 1.00
074 V020100 1.00
074 W000100 0.9997
074 X000100 40981
074 Y000100 0
075 A000100 1858208
075 B000100 0
076 000100 0.00
008 A000201 NATIONAL CITY BANK
008 B000201 A
008 C000201 801-0000
008 D010201 CLEVELAND
008 D020201 OH
008 D030201 44114
008 A000202 NATIONAL CITY BANK, COLUMBUS
008 B000202 A
008 C000202 801-0000
008 D010202 COLUMBUS
008 D020202 OH
008 D030202 43251
008 A000203 NATIONAL CITY BANK, KENTUCKY
<PAGE> PAGE 13
008 B000203 A
008 C000203 801-0000
008 D010203 LOUISVILLE
008 D020203 KY
008 D030203 40202
008 A000204 NATIONAL ASSET MANAGEMENT CORPORATION
008 B000204 A
008 C000204 801-0000
008 D010204 LOUISVILLE
008 D020204 KY
008 D030204 40202
015 A000201 NATIONAL CITY BANK
015 B000201 C
015 C010201 CLEVELAND
015 C020201 OH
015 C030201 44135
015 E030201 X
024 000200 Y
025 A000201 CS FIRST BOSTON
025 B000201 13-5659485
025 C000201 D
025 D000201 100000
025 A000202 SMITH BARNEY SHEARSON
025 B000202 13-1912900
025 C000202 D
025 D000202 50000
025 A000203 GOLDMAN SACHS
025 B000203 13-5108880
025 C000203 E
025 D000203 7757
025 D000204 0
025 D000205 0
025 D000206 0
025 D000207 0
025 D000208 0
028 A010200 265580
028 A020200 111
028 A030200 0
028 A040200 310693
028 B010200 277589
028 B020200 106
028 B030200 0
028 B040200 230211
028 C010200 362030
028 C020200 98
028 C030200 0
028 C040200 265864
028 D010200 221584
028 D020200 166
028 D030200 0
028 D040200 270437
<PAGE> PAGE 14
028 E010200 316904
028 E020200 128
028 E030200 0
028 E040200 289735
028 F010200 238952
028 F020200 140
028 F030200 0
028 F040200 194003
028 G010200 1682639
028 G020200 749
028 G030200 0
028 G040200 1560943
028 H000200 0
029 000200 N
030 A000200 0
030 B000200 0.00
030 C000200 0.00
031 A000200 0
031 B000200 0
032 000200 0
033 000200 0
034 000200 N
035 000200 0
036 B000200 0
037 000200 N
038 000200 0
039 000200 N
040 000200 Y
041 000200 Y
042 A000200 0
042 B000200 0
042 C000200 0
042 D000200 0
042 E000200 0
042 F000200 0
042 G000200 0
042 H000200 100
043 000200 57
044 000200 0
045 000200 Y
046 000200 Y
047 000200 Y
048 000200 0.350
048 A010200 0
048 A020200 0.000
048 B010200 0
048 B020200 0.000
048 C010200 0
048 C020200 0.000
048 D010200 0
048 D020200 0.000
<PAGE> PAGE 15
048 E010200 0
048 E020200 0.000
048 F010200 0
048 F020200 0.000
048 G010200 0
048 G020200 0.000
048 H010200 0
048 H020200 0.000
048 I010200 0
048 I020200 0.000
048 J010200 0
048 J020200 0.000
048 K010200 0
048 K020200 0.000
055 A000200 N
055 B000200 N
056 000200 Y
057 000200 N
058 A000200 N
059 000200 Y
060 A000200 Y
060 B000200 Y
061 000200 0
062 A000200 Y
062 B000200 0.0
062 C000200 84.2
062 D000200 15.0
062 E000200 0.0
062 F000200 0.0
062 G000200 0.0
062 H000200 0.0
062 I000200 0.0
062 J000200 0.0
062 K000200 0.0
062 L000200 0.0
062 M000200 0.0
062 N000200 0.0
062 O000200 0.0
062 P000200 0.0
062 Q000200 0.0
062 R000200 0.8
063 A000200 38
063 B000200 0.0
064 A000200 N
064 B000200 N
066 A000200 N
067 000200 N
068 A000200 N
068 B000200 N
069 000200 N
070 A010200 Y
<PAGE> PAGE 16
070 A020200 Y
070 B010200 N
070 B020200 N
070 C010200 N
070 C020200 N
070 D010200 N
070 D020200 N
070 E010200 N
070 E020200 N
070 F010200 N
070 F020200 N
070 G010200 N
070 G020200 N
070 H010200 N
070 H020200 N
070 I010200 N
070 I020200 N
070 J010200 Y
070 J020200 N
070 K010200 Y
070 K020200 Y
070 L010200 N
070 L020200 N
070 M010200 N
070 M020200 N
070 N010200 Y
070 N020200 N
070 O010200 Y
070 O020200 N
070 P010200 Y
070 P020200 N
070 Q010200 N
070 Q020200 N
070 R010200 N
070 R020200 N
071 A000200 0
071 B000200 0
071 C000200 0
071 D000200 0
072 A000200 6
072 B000200 24839
072 C000200 0
072 D000200 0
072 E000200 0
072 F000200 1155
072 G000200 119
072 H000200 0
072 I000200 88
072 J000200 50
072 K000200 0
072 L000200 16
<PAGE> PAGE 17
072 M000200 10
072 N000200 9
072 O000200 0
072 P000200 0
072 Q000200 0
072 R000200 11
072 S000200 36
072 T000200 209
072 U000200 0
072 V000200 0
072 W000200 23
072 X000200 1726
072 Y000200 0
072 Z000200 23111
072AA000200 0
072BB000200 0
072CC010200 0
072CC020200 0
072DD010200 19515
072DD020200 3596
072EE000200 0
073 A010200 0.0252
073 A020200 0.0247
073 B000200 0.0000
073 C000200 0.0000
074 A000200 0
074 B000200 150000
074 C000200 842248
074 D000200 0
074 E000200 0
074 F000200 0
074 G000200 0
074 H000200 0
074 I000200 7757
074 J000200 0
074 K000200 0
074 L000200 157
074 M000200 3
074 N000200 1000165
074 O000200 0
074 P000200 199
074 Q000200 0
074 R010200 0
074 R020200 0
074 R030200 0
074 R040200 4434
074 S000200 0
074 T000200 995532
074 U010200 839573
074 U020200 155961
074 V010200 1.00
<PAGE> PAGE 18
074 V020200 1.00
074 W000200 0.9998
074 X000200 3751
074 Y000200 0
075 A000200 921510
075 B000200 0
076 000200 0.00
008 A000301 NATIONAL CITY BANK
008 B000301 A
008 C000301 801-0000
008 D010301 CLEVELAND
008 D020301 OH
008 D030301 44114
008 A000302 NATIONAL CITY BANK, COLUMBUS
008 B000302 A
008 C000302 801-0000
008 D010302 COLUMBUS
008 D020302 OH
008 D030302 43251
008 A000303 NATIONAL CITY BANK, KENTUCKY
008 B000303 A
008 C000303 801-0000
008 D010303 LOUISVILLE
008 D020303 KY
008 D030303 40202
008 A000304 NATIONAL ASSET MANAGEMENT CORPORATION
008 B000304 A
008 C000304 801-0000
008 D010304 LOUISVILLE
008 D020304 KY
008 D030304 40202
015 A000301 NATIONAL CITY BANK
015 B000301 C
015 C010301 CLEVELAND
015 C020301 OH
015 C030301 44135
015 E030301 X
024 000300 Y
025 A000301 GOLDMAN SACHS
025 B000301 13-5108880
025 C000301 E
025 D000301 11540
025 A000302 FEDERATED INVESTORS
025 B000302 25-1203925
025 C000302 D
025 D000302 14238
025 D000303 0
025 D000304 0
025 D000305 0
025 D000306 0
025 D000307 0
<PAGE> PAGE 19
025 D000308 0
028 A010300 97856
028 A020300 7
028 A030300 0
028 A040300 90240
028 B010300 80489
028 B020300 16
028 B030300 0
028 B040300 110300
028 C010300 80057
028 C020300 17
028 C030300 0
028 C040300 70415
028 D010300 72987
028 D020300 18
028 D030300 0
028 D040300 65534
028 E010300 98637
028 E020300 19
028 E030300 0
028 E040300 93914
028 F010300 80857
028 F020300 19
028 F030300 0
028 F040300 64984
028 G010300 510883
028 G020300 96
028 G030300 0
028 G040300 495387
028 H000300 0
029 000300 N
030 A000300 0
030 B000300 0.00
030 C000300 0.00
031 A000300 0
031 B000300 0
032 000300 0
033 000300 0
034 000300 N
035 000300 0
036 B000300 0
037 000300 N
038 000300 0
039 000300 N
040 000300 Y
041 000300 Y
042 A000300 0
042 B000300 0
042 C000300 0
042 D000300 0
042 E000300 0
<PAGE> PAGE 20
042 F000300 0
042 G000300 0
042 H000300 100
043 000300 22
044 000300 0
045 000300 Y
046 000300 Y
047 000300 Y
048 000300 0.300
048 A010300 0
048 A020300 0.000
048 B010300 0
048 B020300 0.000
048 C010300 0
048 C020300 0.000
048 D010300 0
048 D020300 0.000
048 E010300 0
048 E020300 0.000
048 F010300 0
048 F020300 0.000
048 G010300 0
048 G020300 0.000
048 H010300 0
048 H020300 0.000
048 I010300 0
048 I020300 0.000
048 J010300 0
048 J020300 0.000
048 K010300 0
048 K020300 0.000
055 A000300 N
055 B000300 N
056 000300 Y
057 000300 N
058 A000300 N
059 000300 Y
060 A000300 Y
060 B000300 Y
061 000300 0
062 A000300 Y
062 B000300 92.3
062 C000300 0.0
062 D000300 0.0
062 E000300 0.0
062 F000300 0.0
062 G000300 0.0
062 H000300 0.0
062 I000300 0.0
062 J000300 0.0
062 K000300 0.0
<PAGE> PAGE 21
062 L000300 0.0
062 M000300 0.0
062 N000300 0.0
062 O000300 0.0
062 P000300 0.0
062 Q000300 0.0
062 R000300 7.7
063 A000300 48
063 B000300 0.0
064 A000300 N
064 B000300 N
066 A000300 N
067 000300 N
068 A000300 N
068 B000300 N
069 000300 N
070 A010300 N
070 A020300 N
070 B010300 N
070 B020300 N
070 C010300 N
070 C020300 N
070 D010300 N
070 D020300 N
070 E010300 N
070 E020300 N
070 F010300 N
070 F020300 N
070 G010300 N
070 G020300 N
070 H010300 N
070 H020300 N
070 I010300 N
070 I020300 N
070 J010300 Y
070 J020300 N
070 K010300 Y
070 K020300 Y
070 L010300 N
070 L020300 N
070 M010300 N
070 M020300 N
070 N010300 Y
070 N020300 N
070 O010300 Y
070 O020300 N
070 P010300 Y
070 P020300 N
070 Q010300 N
070 Q020300 N
070 R010300 N
<PAGE> PAGE 22
070 R020300 N
071 A000300 0
071 B000300 0
071 C000300 0
071 D000300 0
072 A000300 6
072 B000300 8111
072 C000300 0
072 D000300 0
072 E000300 0
072 F000300 393
072 G000300 40
072 H000300 0
072 I000300 14
072 J000300 21
072 K000300 0
072 L000300 1
072 M000300 3
072 N000300 22
072 O000300 0
072 P000300 0
072 Q000300 0
072 R000300 3
072 S000300 10
072 T000300 71
072 U000300 0
072 V000300 0
072 W000300 6
072 X000300 584
072 Y000300 0
072 Z000300 7527
072AA000300 3
072BB000300 0
072CC010300 0
072CC020300 0
072DD010300 7410
072DD020300 1167
072EE000300 0
073 A010300 0.0240
073 A020300 0.0235
073 B000300 0.0000
073 C000300 0.0000
074 A000300 0
074 B000300 0
074 C000300 307836
074 D000300 0
074 E000300 0
074 F000300 0
074 G000300 0
074 H000300 0
074 I000300 25778
<PAGE> PAGE 23
074 J000300 0
074 K000300 0
074 L000300 103
074 M000300 16
074 N000300 333733
074 O000300 0
074 P000300 67
074 Q000300 0
074 R010300 0
074 R020300 0
074 R030300 0
074 R040300 1462
074 S000300 0
074 T000300 332204
074 U010300 326793
074 U020300 5397
074 V010300 1.00
074 V020300 1.00
074 W000300 0.9998
074 X000300 2565
074 Y000300 0
075 A000300 313364
075 B000300 0
076 000300 0.00
008 A000401 NATIONAL CITY BANK
008 B000401 A
008 C000401 801-0000
008 D010401 CLEVELAND
008 D020401 OH
008 D030401 44114
008 A000402 NATIONAL CITY BANK, COLUMBUS
008 B000402 A
008 C000402 801-0000
008 D010402 COLUMBUS
008 D020402 OH
008 D030402 43251
008 A000403 NATIONAL CITY BANK, KENTUCKY
008 B000403 A
008 C000403 801-0000
008 D010403 LOUISVILLE
008 D020403 KY
008 D030403 40202
008 A000404 NATIONAL ASSET MANAGEMENT CORPORATION
008 B000404 A
008 C000404 801-0000
008 D010404 LOUISVILLE
008 D020404 KY
008 D030404 40202
015 A000401 NATIONAL CITY BANK
015 B000401 C
015 C010401 CLEVELAND
<PAGE> PAGE 24
015 C020401 OH
015 C030401 44135
015 E030401 X
024 000400 Y
025 A000401 GOLDMAN SACHS
025 B000401 13-5108880
025 C000401 E
025 D000401 3000
025 A000402 DELETE
025 D000402 0
025 D000403 0
025 D000404 0
025 D000405 0
025 D000406 0
025 D000407 0
025 D000408 0
028 A010400 75236
028 A020400 199
028 A030400 0
028 A040400 66239
028 B010400 75123
028 B020400 184
028 B030400 0
028 B040400 79846
028 C010400 61906
028 C020400 163
028 C030400 0
028 C040400 55006
028 D010400 153888
028 D020400 173
028 D030400 0
028 D040400 158242
028 E010400 78323
028 E020400 144
028 E030400 0
028 E040400 57124
028 F010400 51003
028 F020400 184
028 F030400 0
028 F040400 56495
028 G010400 495479
028 G020400 1047
028 G030400 0
028 G040400 472952
028 H000400 0
029 000400 N
030 A000400 0
030 B000400 0.00
030 C000400 0.00
031 A000400 0
031 B000400 0
<PAGE> PAGE 25
032 000400 0
033 000400 0
034 000400 N
035 000400 0
036 B000400 0
037 000400 N
038 000400 0
039 000400 N
040 000400 Y
041 000400 Y
042 A000400 0
042 B000400 0
042 C000400 0
042 D000400 0
042 E000400 0
042 F000400 0
042 G000400 0
042 H000400 100
043 000400 25
044 000400 0
045 000400 Y
046 000400 Y
047 000400 Y
048 000400 0.350
048 A010400 0
048 A020400 0.000
048 B010400 0
048 B020400 0.000
048 C010400 0
048 C020400 0.000
048 D010400 0
048 D020400 0.000
048 E010400 0
048 E020400 0.000
048 F010400 0
048 F020400 0.000
048 G010400 0
048 G020400 0.000
048 H010400 0
048 H020400 0.000
048 I010400 0
048 I020400 0.000
048 J010400 0
048 J020400 0.000
048 K010400 0
048 K020400 0.000
055 A000400 N
055 B000400 N
056 000400 Y
057 000400 N
058 A000400 N
<PAGE> PAGE 26
059 000400 Y
060 A000400 Y
060 B000400 Y
061 000400 0
062 A000400 Y
062 B000400 0.0
062 C000400 0.0
062 D000400 0.0
062 E000400 99.2
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
062 N000400 0.0
062 O000400 0.0
062 P000400 0.0
062 Q000400 0.0
062 R000400 0.8
063 A000400 32
063 B000400 0.0
064 A000400 Y
064 B000400 N
066 A000400 N
067 000400 N
068 A000400 N
068 B000400 N
069 000400 N
070 A010400 N
070 A020400 N
070 B010400 N
070 B020400 N
070 C010400 N
070 C020400 N
070 D010400 N
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
<PAGE> PAGE 27
070 K010400 Y
070 K020400 Y
070 L010400 N
070 L020400 N
070 M010400 N
070 M020400 N
070 N010400 N
070 N020400 N
070 O010400 Y
070 O020400 N
070 P010400 Y
070 P020400 N
070 Q010400 N
070 Q020400 N
070 R010400 N
070 R020400 N
071 A000400 0
071 B000400 0
071 C000400 0
071 D000400 0
072 A000400 6
072 B000400 6223
072 C000400 0
072 D000400 0
072 E000400 0
072 F000400 272
072 G000400 83
072 H000400 0
072 I000400 45
072 J000400 23
072 K000400 0
072 L000400 2
072 M000400 5
072 N000400 10
072 O000400 0
072 P000400 0
072 Q000400 0
072 R000400 5
072 S000400 15
072 T000400 83
072 U000400 0
072 V000400 0
072 W000400 11
072 X000400 554
072 Y000400 0
072 Z000400 5669
072AA000400 0
072BB000400 0
072CC010400 0
072CC020400 0
072DD010400 4626
<PAGE> PAGE 28
072DD020400 1043
072EE000400 0
073 A010400 0.0158
073 A020400 0.0153
073 B000400 0.0000
073 C000400 0.0000
074 A000400 0
074 B000400 0
074 C000400 368606
074 D000400 0
074 E000400 0
074 F000400 0
074 G000400 0
074 H000400 0
074 I000400 3000
074 J000400 0
074 K000400 0
074 L000400 2255
074 M000400 4
074 N000400 373865
074 O000400 1000
074 P000400 46
074 Q000400 0
074 R010400 0
074 R020400 0
074 R030400 0
074 R040400 1509
074 S000400 0
074 T000400 371310
074 U010400 300576
074 U020400 70735
074 V010400 1.00
074 V020400 1.00
074 W000400 1.0000
074 X000400 2675
074 Y000400 0
075 A000400 361722
075 B000400 0
076 000400 0.00
008 A000801 NATIONAL CITY BANK
008 B000801 A
008 C000801 801-0000
008 D010801 CLEVELAND
008 D020801 OH
008 D030801 44114
008 A000802 NATIONAL CITY BANK, COLUMBUS
008 B000802 A
008 C000802 801-0000
008 D010802 COLUMBUS
008 D020802 OH
008 D030802 43251
<PAGE> PAGE 29
008 A000803 NATIONAL CITY BANK, KENTUCKY
008 B000803 A
008 C000803 801-0000
008 D010803 LOUISVILLE
008 D020803 KY
008 D030803 40202
008 A000804 NATIONAL ASSET MANAGEMENT CORPORATION
008 B000804 A
008 C000804 801-0000
008 D010804 LOUISVILLE
008 D020804 KY
008 D030804 40202
015 A000801 NATIONAL CITY BANK
015 B000801 C
015 C010801 CLEVELAND
015 C020801 OH
015 C030801 44135
015 E030801 X
025 A000801 STATE STREET BOSTON CORP.
025 B000801 04-1867445
025 C000801 E
025 D000801 2029
025 A000802 FIDELITY
025 B000802 04-2653569
025 C000802 E
025 D000802 12179
025 A000803 MERRILL LYNCH & CO.
025 B000803 13-5674085
025 C000803 E
025 D000803 1605
025 A000804 SALOMON INC.
025 B000804 13-3082694
025 C000804 E
025 D000804 3194
025 A000805 FEDERATED INVESTORS
025 B000805 25-1203925
025 C000805 D
025 D000805 823
025 A000806 CHASE MANHATTAN CORP.
025 B000806 13-3112953
025 C000806 E
025 D000806 2835
025 D000807 0
025 D000808 0
028 A010800 62354
028 A020800 0
028 A030800 0
028 A040800 62430
028 B010800 1932
028 B020800 23
028 B030800 0
<PAGE> PAGE 30
028 B040800 13475
028 C010800 2213
028 C020800 0
028 C030800 0
028 C040800 5642
028 D010800 47167
028 D020800 0
028 D030800 0
028 D040800 2219
028 E010800 4117
028 E020800 18
028 E030800 0
028 E040800 2422
028 F010800 4637
028 F020800 0
028 F030800 0
028 F040800 2039
028 G010800 122420
028 G020800 41
028 G030800 0
028 G040800 88227
028 H000800 50
029 000800 Y
030 A000800 2
030 B000800 3.75
030 C000800 0.00
031 A000800 2
031 B000800 0
032 000800 0
033 000800 0
034 000800 N
035 000800 0
036 B000800 0
037 000800 N
038 000800 0
039 000800 N
040 000800 Y
041 000800 Y
042 A000800 0
042 B000800 0
042 C000800 0
042 D000800 0
042 E000800 0
042 F000800 0
042 G000800 0
042 H000800 100
043 000800 38
044 000800 0
045 000800 Y
046 000800 Y
047 000800 Y
<PAGE> PAGE 31
048 000800 0.750
048 A010800 0
048 A020800 0.000
048 B010800 0
048 B020800 0.000
048 C010800 0
048 C020800 0.000
048 D010800 0
048 D020800 0.000
048 E010800 0
048 E020800 0.000
048 F010800 0
048 F020800 0.000
048 G010800 0
048 G020800 0.000
048 H010800 0
048 H020800 0.000
048 I010800 0
048 I020800 0.000
048 J010800 0
048 J020800 0.000
048 K010800 0
048 K020800 0.000
055 A000800 Y
055 B000800 N
056 000800 Y
057 000800 N
058 A000800 N
059 000800 Y
060 A000800 Y
060 B000800 Y
061 000800 0
062 A000800 N
062 B000800 0.0
062 C000800 0.0
062 D000800 0.0
062 E000800 0.0
062 F000800 0.0
062 G000800 0.0
062 H000800 0.0
062 I000800 0.0
062 J000800 0.0
062 K000800 0.0
062 L000800 0.0
062 M000800 0.0
062 N000800 0.0
062 O000800 0.0
062 P000800 0.0
062 Q000800 0.0
062 R000800 0.0
063 A000800 0
<PAGE> PAGE 32
063 B000800 0.0
066 A000800 Y
066 B000800 N
066 C000800 N
066 D000800 N
066 E000800 N
066 F000800 N
066 G000800 Y
067 000800 N
068 A000800 N
068 B000800 N
069 000800 N
070 A010800 Y
070 A020800 N
070 B010800 N
070 B020800 N
070 C010800 N
070 C020800 N
070 D010800 N
070 D020800 N
070 E010800 N
070 E020800 N
070 F010800 N
070 F020800 N
070 G010800 N
070 G020800 N
070 H010800 N
070 H020800 N
070 I010800 N
070 I020800 N
070 J010800 Y
070 J020800 N
070 K010800 Y
070 K020800 Y
070 L010800 Y
070 L020800 Y
070 M010800 N
070 M020800 N
070 N010800 Y
070 N020800 N
070 O010800 Y
070 O020800 N
070 P010800 Y
070 P020800 N
070 Q010800 N
070 Q020800 N
070 R010800 N
070 R020800 N
071 A000800 168836
071 B000800 160140
071 C000800 170152
<PAGE> PAGE 33
071 D000800 94
072 A000800 6
072 B000800 156
072 C000800 1311
072 D000800 0
072 E000800 0
072 F000800 726
072 G000800 95
072 H000800 0
072 I000800 29
072 J000800 15
072 K000800 0
072 L000800 4
072 M000800 2
072 N000800 9
072 O000800 0
072 P000800 0
072 Q000800 0
072 R000800 3
072 S000800 7
072 T000800 44
072 U000800 0
072 V000800 0
072 W000800 1
072 X000800 935
072 Y000800 0
072 Z000800 530
072AA000800 41511
072BB000800 5699
072CC010800 0
072CC020800 1590
072DD010800 502
072DD020800 9
072EE000800 0
073 A010800 0.0503
073 A020800 0.0278
073 B000800 0.0000
073 C000800 0.0000
074 A000800 0
074 B000800 0
074 C000800 0
074 D000800 0
074 E000800 0
074 F000800 222843
074 G000800 0
074 H000800 0
074 I000800 12188
074 J000800 6648
074 K000800 0
074 L000800 391
074 M000800 450
<PAGE> PAGE 34
074 N000800 242520
074 O000800 0
074 P000800 144
074 Q000800 0
074 R010800 0
074 R020800 0
074 R030800 0
074 R040800 1217
074 S000800 0
074 T000800 241159
074 U010800 11325
074 U020800 330
074 V010800 20.69
074 V020800 20.73
074 W000800 0.0000
074 X000800 5716
074 Y000800 0
075 A000800 0
075 B000800 193285
076 000800 0.00
008 A000901 NATIONAL CITY BANK
008 B000901 A
008 C000901 801-0000
008 D010901 CLEVELAND
008 D020901 OH
008 D030901 44114
008 A000902 NATIONAL CITY BANK, COLUMBUS
008 B000902 A
008 C000902 801-0000
008 D010902 COLUMBUS
008 D020902 OH
008 D030902 43251
008 A000903 NATIONAL CITY BANK, KENTUCKY
008 B000903 A
008 C000903 801-0000
008 D010903 LOUISVILLE
008 D020903 KY
008 D030903 40202
008 A000904 NATIONAL ASSET MANAGEMENT CORPORATION
008 B000904 A
008 C000904 801-0000
008 D010904 LOUISVILLE
008 D020904 KY
008 D030904 40202
015 A000901 NATIONAL CITY BANK
015 B000901 C
015 C010901 CLEVELAND
015 C020901 OH
015 C030901 44135
015 E030901 X
024 000900 Y
<PAGE> PAGE 35
025 A000901 FIDELITY
025 B000901 04-2653569
025 C000901 E
025 D000901 4246
025 D000902 0
025 D000903 0
025 D000904 0
025 D000905 0
025 D000906 0
025 D000907 0
025 D000908 0
028 A010900 32225
028 A020900 0
028 A030900 0
028 A040900 23412
028 B010900 3547
028 B020900 72
028 B030900 0
028 B040900 2427
028 C010900 6478
028 C020900 73
028 C030900 0
028 C040900 3495
028 D010900 2701
028 D020900 70
028 D030900 0
028 D040900 1955
028 E010900 4426
028 E020900 60
028 E030900 0
028 E040900 2444
028 F010900 4075
028 F020900 121
028 F030900 0
028 F040900 28484
028 G010900 53452
028 G020900 396
028 G030900 0
028 G040900 62217
028 H000900 0
029 000900 Y
030 A000900 0
030 B000900 3.75
030 C000900 0.00
031 A000900 0
031 B000900 0
032 000900 0
033 000900 0
034 000900 N
035 000900 0
036 B000900 0
<PAGE> PAGE 36
037 000900 N
038 000900 0
039 000900 N
040 000900 Y
041 000900 Y
042 A000900 0
042 B000900 0
042 C000900 0
042 D000900 0
042 E000900 0
042 F000900 0
042 G000900 0
042 H000900 100
043 000900 26
044 000900 0
045 000900 Y
046 000900 Y
047 000900 Y
048 000900 0.550
048 A010900 0
048 A020900 0.000
048 B010900 0
048 B020900 0.000
048 C010900 0
048 C020900 0.000
048 D010900 0
048 D020900 0.000
048 E010900 0
048 E020900 0.000
048 F010900 0
048 F020900 0.000
048 G010900 0
048 G020900 0.000
048 H010900 0
048 H020900 0.000
048 I010900 0
048 I020900 0.000
048 J010900 0
048 J020900 0.000
048 K010900 0
048 K020900 0.000
055 A000900 N
055 B000900 N
056 000900 Y
057 000900 N
058 A000900 N
059 000900 Y
060 A000900 Y
060 B000900 Y
061 000900 0
062 A000900 Y
<PAGE> PAGE 37
062 B000900 0.0
062 C000900 0.0
062 D000900 0.0
062 E000900 0.0
062 F000900 0.0
062 G000900 0.0
062 H000900 0.0
062 I000900 0.0
062 J000900 0.0
062 K000900 0.0
062 L000900 0.0
062 M000900 48.7
062 N000900 6.4
062 O000900 0.0
062 P000900 23.6
062 Q000900 17.5
062 R000900 3.8
063 A000900 0
063 B000900 4.7
064 A000900 N
064 B000900 N
066 A000900 N
067 000900 N
068 A000900 N
068 B000900 N
069 000900 N
070 A010900 Y
070 A020900 N
070 B010900 N
070 B020900 N
070 C010900 N
070 C020900 N
070 D010900 N
070 D020900 N
070 E010900 N
070 E020900 N
070 F010900 N
070 F020900 N
070 G010900 N
070 G020900 N
070 H010900 N
070 H020900 N
070 I010900 N
070 I020900 N
070 J010900 Y
070 J020900 N
070 K010900 Y
070 K020900 Y
070 L010900 Y
070 L020900 Y
070 M010900 N
<PAGE> PAGE 38
070 M020900 N
070 N010900 Y
070 N020900 N
070 O010900 Y
070 O020900 N
070 P010900 Y
070 P020900 N
070 Q010900 N
070 Q020900 N
070 R010900 N
070 R020900 N
071 A000900 108005
071 B000900 116609
071 C000900 121528
071 D000900 89
072 A000900 6
072 B000900 4136
072 C000900 0
072 D000900 0
072 E000900 0
072 F000900 318
072 G000900 63
072 H000900 0
072 I000900 28
072 J000900 12
072 K000900 0
072 L000900 1
072 M000900 2
072 N000900 10
072 O000900 0
072 P000900 0
072 Q000900 0
072 R000900 2
072 S000900 6
072 T000900 29
072 U000900 0
072 V000900 0
072 W000900 1
072 X000900 470
072 Y000900 0
072 Z000900 3666
072AA000900 1241
072BB000900 748
072CC010900 2727
072CC020900 0
072DD010900 3526
072DD020900 140
072EE000900 0
073 A010900 0.3015
073 A020900 0.2895
073 B000900 0.0000
<PAGE> PAGE 39
073 C000900 0.0000
074 A000900 0
074 B000900 0
074 C000900 0
074 D000900 106789
074 E000900 0
074 F000900 0
074 G000900 0
074 H000900 0
074 I000900 4246
074 J000900 4385
074 K000900 0
074 L000900 1983
074 M000900 3
074 N000900 117406
074 O000900 4457
074 P000900 37
074 Q000900 0
074 R010900 0
074 R020900 0
074 R030900 0
074 R040900 605
074 S000900 0
074 T000900 112307
074 U010900 10262
074 U020900 367
074 V010900 10.56
074 V020900 10.62
074 W000900 0.0000
074 X000900 2274
074 Y000900 0
075 A000900 0
075 B000900 127200
076 000900 0.00
008 A001001 NATIONAL CITY BANK
008 B001001 A
008 C001001 801-0000
008 D011001 CLEVELAND
008 D021001 OH
008 D031001 44114
008 A001002 NATIONAL CITY BANK, COLUMBUS
008 B001002 A
008 C001002 801-0000
008 D011002 COLUMBUS
008 D021002 OH
008 D031002 43251
008 A001003 NATIONAL CITY BANK, KENTUCKY
008 B001003 A
008 C001003 801-0000
008 D011003 LOUISVILLE
008 D021003 KY
<PAGE> PAGE 40
008 D031003 40202
008 A001004 NATIONAL ASSET MANAGEMENT CORPORATION
008 B001004 A
008 C001004 801-0000
008 D011004 LOUISVILLE
008 D021004 KY
008 D031004 40202
015 A001001 NATIONAL CITY BANK
015 B001001 C
015 C011001 CLEVELAND
015 C021001 OH
015 C031001 44135
015 E031001 X
024 001000 N
028 A011000 5088
028 A021000 0
028 A031000 0
028 A041000 4702
028 B011000 1068
028 B021000 24
028 B031000 0
028 B041000 1724
028 C011000 1208
028 C021000 31
028 C031000 0
028 C041000 2643
028 D011000 885
028 D021000 30
028 D031000 0
028 D041000 411
028 E011000 1951
028 E021000 29
028 E031000 0
028 E041000 652
028 F011000 3137
028 F021000 30
028 F031000 0
028 F041000 869
028 G011000 13337
028 G021000 144
028 G031000 0
028 G041000 11001
028 H001000 13
029 001000 Y
030 A001000 0
030 B001000 3.00
030 C001000 0.00
031 A001000 0
031 B001000 0
032 001000 0
033 001000 0
<PAGE> PAGE 41
034 001000 N
035 001000 0
036 B001000 0
037 001000 N
038 001000 0
039 001000 N
040 001000 Y
041 001000 Y
042 A001000 0
042 B001000 0
042 C001000 0
042 D001000 0
042 E001000 0
042 F001000 0
042 G001000 0
042 H001000 100
043 001000 31
044 001000 0
045 001000 Y
046 001000 Y
047 001000 Y
048 001000 0.550
048 A011000 0
048 A021000 0.000
048 B011000 0
048 B021000 0.000
048 C011000 0
048 C021000 0.000
048 D011000 0
048 D021000 0.000
048 E011000 0
048 E021000 0.000
048 F011000 0
048 F021000 0.000
048 G011000 0
048 G021000 0.000
048 H011000 0
048 H021000 0.000
048 I011000 0
048 I021000 0.000
048 J011000 0
048 J021000 0.000
048 K011000 0
048 K021000 0.000
055 A001000 N
055 B001000 N
056 001000 Y
057 001000 N
058 A001000 N
059 001000 Y
060 A001000 N
<PAGE> PAGE 42
060 B001000 N
061 001000 0
062 A001000 Y
062 B001000 0.0
062 C001000 0.0
062 D001000 0.0
062 E001000 0.0
062 F001000 0.0
062 G001000 0.0
062 H001000 0.0
062 I001000 0.0
062 J001000 0.0
062 K001000 0.0
062 L001000 0.0
062 M001000 0.0
062 N001000 0.0
062 O001000 98.8
062 P001000 0.0
062 Q001000 0.0
062 R001000 1.2
063 A001000 0
063 B001000 7.7
064 A001000 N
064 B001000 N
066 A001000 N
067 001000 N
068 A001000 N
068 B001000 N
069 001000 N
070 A011000 Y
070 A021000 N
070 B011000 N
070 B021000 N
070 C011000 N
070 C021000 N
070 D011000 N
070 D021000 N
070 E011000 N
070 E021000 N
070 F011000 N
070 F021000 N
070 G011000 N
070 G021000 N
070 H011000 N
070 H021000 N
070 I011000 N
070 I021000 N
070 J011000 Y
070 J021000 N
070 K011000 Y
070 K021000 Y
<PAGE> PAGE 43
070 L011000 N
070 L021000 N
070 M011000 N
070 M021000 N
070 N011000 Y
070 N021000 N
070 O011000 Y
070 O021000 N
070 P011000 Y
070 P021000 N
070 Q011000 N
070 Q021000 N
070 R011000 N
070 R021000 N
071 A001000 10324
071 B001000 7165
071 C001000 84756
071 D001000 8
072 A001000 6
072 B001000 2141
072 C001000 0
072 D001000 0
072 E001000 0
072 F001000 0
072 G001000 43
072 H001000 0
072 I001000 10
072 J001000 9
072 K001000 0
072 L001000 3
072 M001000 1
072 N001000 4
072 O001000 0
072 P001000 0
072 Q001000 0
072 R001000 1
072 S001000 4
072 T001000 20
072 U001000 0
072 V001000 0
072 W001000 10
072 X001000 105
072 Y001000 0
072 Z001000 2036
072AA001000 31
072BB001000 6
072CC011000 2268
072CC021000 0
072DD011000 1915
072DD021000 121
072EE001000 0
<PAGE> PAGE 44
073 A011000 0.2543
073 A021000 0.2534
073 B001000 0.0000
073 C001000 0.0000
074 A001000 0
074 B001000 0
074 C001000 0
074 D001000 89354
074 E001000 0
074 F001000 0
074 G001000 0
074 H001000 0
074 I001000 1074
074 J001000 0
074 K001000 0
074 L001000 1751
074 M001000 211
074 N001000 92390
074 O001000 1500
074 P001000 0
074 Q001000 0
074 R011000 0
074 R021000 0
074 R031000 0
074 R041000 362
074 S001000 0
074 T001000 90528
074 U011000 7774
074 U021000 476
074 V011000 10.98
074 V021000 10.94
074 W001000 0.0000
074 X001000 916
074 Y001000 0
075 A001000 0
075 B001000 86372
076 001000 0.00
008 A001101 NATIONAL CITY BANK
008 B001101 A
008 C001101 801-0000
008 D011101 CLEVELAND
008 D021101 OH
008 D031101 44114
008 A001102 NATIONAL CITY BANK, COLUMBUS
008 B001102 A
008 C001102 801-0000
008 D011102 COLUMBUS
008 D021102 OH
008 D031102 43251
008 A001103 NATIONAL CITY BANK, KENTUCKY
008 B001103 A
<PAGE> PAGE 45
008 C001103 801-0000
008 D011103 LOUISVILLE
008 D021103 KY
008 D031103 40202
008 A001104 NATIONAL ASSET MANAGEMENT CORPORATION
008 B001104 A
008 C001104 801-0000
008 D011104 LOUISVILLE
008 D021104 KY
008 D031104 40202
015 A001101 BANK OF CALIFORNIA
015 B001101 S
015 C011101 SAN FRANCISCO
015 C021101 CA
015 C031101 94111
015 E041101 X
024 001100 Y
025 A001101 BANC ONE CORP.
025 B001101 31-4148768
025 C001101 E
025 D001101 786
025 A001102 J.P. MORGAN
025 B001102 13-3224016
025 C001102 E
025 D001102 963
025 A001103 FIDELITY
025 B001103 04-2653569
025 C001103 E
025 D001103 3585
025 A001104 BANKAMERICA
025 B001104 36-0947896
025 C001104 E
025 D001104 1607
025 A001105 BANKERS TRUST NY CORP.
025 B001105 13-4941247
025 C001105 E
025 D001105 1331
025 D001106 0
025 D001107 0
025 D001108 0
028 A011100 14436
028 A021100 0
028 A031100 0
028 A041100 407
028 B011100 1137
028 B021100 168
028 B031100 0
028 B041100 1272
028 C011100 1381
028 C021100 0
028 C031100 0
<PAGE> PAGE 46
028 C041100 683
028 D011100 1982
028 D021100 0
028 D031100 0
028 D041100 1555
028 E011100 2173
028 E021100 185
028 E031100 0
028 E041100 525
028 F011100 2449
028 F021100 0
028 F031100 0
028 F041100 178
028 G011100 23558
028 G021100 353
028 G031100 0
028 G041100 4620
028 H001100 9
029 001100 Y
030 A001100 0
030 B001100 3.75
030 C001100 0.00
031 A001100 0
031 B001100 0
032 001100 0
033 001100 0
034 001100 N
035 001100 0
036 B001100 0
037 001100 N
038 001100 0
039 001100 N
040 001100 Y
041 001100 Y
042 A001100 0
042 B001100 0
042 C001100 0
042 D001100 0
042 E001100 0
042 F001100 0
042 G001100 0
042 H001100 100
043 001100 20
044 001100 0
045 001100 Y
046 001100 Y
047 001100 Y
048 001100 0.750
048 A011100 0
048 A021100 0.000
048 B011100 0
<PAGE> PAGE 47
048 B021100 0.000
048 C011100 0
048 C021100 0.000
048 D011100 0
048 D021100 0.000
048 E011100 0
048 E021100 0.000
048 F011100 0
048 F021100 0.000
048 G011100 0
048 G021100 0.000
048 H011100 0
048 H021100 0.000
048 I011100 0
048 I021100 0.000
048 J011100 0
048 J021100 0.000
048 K011100 0
048 K021100 0.000
055 A001100 N
055 B001100 N
056 001100 Y
057 001100 N
058 A001100 N
059 001100 Y
060 A001100 Y
060 B001100 Y
061 001100 0
062 A001100 N
062 B001100 0.0
062 C001100 0.0
062 D001100 0.0
062 E001100 0.0
062 F001100 0.0
062 G001100 0.0
062 H001100 0.0
062 I001100 0.0
062 J001100 0.0
062 K001100 0.0
062 L001100 0.0
062 M001100 0.0
062 N001100 0.0
062 O001100 0.0
062 P001100 0.0
062 Q001100 0.0
062 R001100 0.0
063 A001100 0
063 B001100 0.0
066 A001100 Y
066 B001100 N
066 C001100 N
<PAGE> PAGE 48
066 D001100 N
066 E001100 N
066 F001100 N
066 G001100 Y
067 001100 Y
068 A001100 N
068 B001100 N
069 001100 N
070 A011100 Y
070 A021100 N
070 B011100 N
070 B021100 N
070 C011100 N
070 C021100 N
070 D011100 N
070 D021100 N
070 E011100 N
070 E021100 N
070 F011100 N
070 F021100 N
070 G011100 N
070 G021100 N
070 H011100 N
070 H021100 N
070 I011100 N
070 I021100 N
070 J011100 Y
070 J021100 N
070 K011100 Y
070 K021100 Y
070 L011100 Y
070 L021100 Y
070 M011100 Y
070 M021100 N
070 N011100 Y
070 N021100 N
070 O011100 Y
070 O021100 N
070 P011100 Y
070 P021100 N
070 Q011100 N
070 Q021100 N
070 R011100 N
070 R021100 N
071 A001100 27161
071 B001100 9849
071 C001100 74361
071 D001100 13
072 A001100 6
072 B001100 108
072 C001100 1228
<PAGE> PAGE 49
072 D001100 0
072 E001100 0
072 F001100 290
072 G001100 39
072 H001100 0
072 I001100 18
072 J001100 8
072 K001100 0
072 L001100 0
072 M001100 1
072 N001100 7
072 O001100 0
072 P001100 0
072 Q001100 0
072 R001100 1
072 S001100 3
072 T001100 18
072 U001100 2
072 V001100 0
072 W001100 1
072 X001100 386
072 Y001100 0
072 Z001100 950
072AA001100 1441
072BB001100 285
072CC011100 8703
072CC021100 0
072DD011100 914
072DD021100 3
072EE001100 0
073 A011100 0.1507
073 A021100 0.1352
073 B001100 0.0000
073 C001100 0.0000
074 A001100 0
074 B001100 0
074 C001100 0
074 D001100 503
074 E001100 0
074 F001100 86818
074 G001100 0
074 H001100 0
074 I001100 3585
074 J001100 0
074 K001100 0
074 L001100 360
074 M001100 247
074 N001100 91513
074 O001100 0
074 P001100 54
074 Q001100 0
<PAGE> PAGE 50
074 R011100 0
074 R021100 0
074 R031100 0
074 R041100 33
074 S001100 0
074 T001100 91426
074 U011100 6404
074 U021100 23
074 V011100 14.23
074 V021100 14.22
074 W001100 0.0000
074 X001100 1747
074 Y001100 0
075 A001100 0
075 B001100 77074
076 001100 0.00
008 A001201 NATIONAL CITY BANK
008 B001201 A
008 C001201 801-0000
008 D011201 CLEVELAND
008 D021201 OH
008 D031201 44114
008 A001202 NATIONAL CITY BANK, COLUMBUS
008 B001202 A
008 C001202 801-0000
008 D011202 COLUMBUS
008 D021202 OH
008 D031202 43251
008 A001203 NATIONAL CITY BANK, KENTUCKY
008 B001203 A
008 C001203 801-0000
008 D011203 LOUISVILLE
008 D021203 KY
008 D031203 40202
008 A001204 NATIONAL ASSET MANAGEMENT CORPORATION
008 B001204 A
008 C001204 801-0000
008 D011204 LOUISVILLE
008 D021204 KY
008 D031204 40202
015 A001201 NATIONAL CITY BANK
015 B001201 C
015 C011201 CLEVELAND
015 C021201 OH
015 C031201 44135
015 E031201 X
024 001200 Y
025 A001201 FIDELITY
025 B001201 04-2653569
025 C001201 E
025 D001201 2389
<PAGE> PAGE 51
025 D001202 0
025 D001203 0
025 D001204 0
025 D001205 0
025 D001206 0
025 D001207 0
025 D001208 0
028 A011200 8924
028 A021200 0
028 A031200 0
028 A041200 780
028 B011200 3269
028 B021200 0
028 B031200 0
028 B041200 847
028 C011200 1624
028 C021200 0
028 C031200 0
028 C041200 1089
028 D011200 1705
028 D021200 0
028 D031200 0
028 D041200 180
028 E011200 5168
028 E021200 0
028 E031200 0
028 E041200 2437
028 F011200 3433
028 F021200 0
028 F031200 0
028 F041200 508
028 G011200 24123
028 G021200 0
028 G031200 0
028 G041200 5841
028 H001200 24
029 001200 Y
030 A001200 1
030 B001200 3.75
030 C001200 0.00
031 A001200 1
031 B001200 0
032 001200 0
033 001200 0
034 001200 N
035 001200 0
036 B001200 0
037 001200 Y
038 001200 0
039 001200 N
040 001200 Y
<PAGE> PAGE 52
041 001200 Y
042 A001200 0
042 B001200 0
042 C001200 0
042 D001200 0
042 E001200 0
042 F001200 0
042 G001200 0
042 H001200 100
043 001200 25
044 001200 0
045 001200 Y
046 001200 Y
047 001200 Y
048 001200 0.750
048 A011200 0
048 A021200 0.000
048 B011200 0
048 B021200 0.000
048 C011200 0
048 C021200 0.000
048 D011200 0
048 D021200 0.000
048 E011200 0
048 E021200 0.000
048 F011200 0
048 F021200 0.000
048 G011200 0
048 G021200 0.000
048 H011200 0
048 H021200 0.000
048 I011200 0
048 I021200 0.000
048 J011200 0
048 J021200 0.000
048 K011200 0
048 K021200 0.000
055 A001200 N
055 B001200 N
056 001200 Y
057 001200 N
058 A001200 N
059 001200 Y
060 A001200 Y
060 B001200 Y
061 001200 0
062 A001200 N
062 B001200 0.0
062 C001200 0.0
062 D001200 0.0
062 E001200 0.0
<PAGE> PAGE 53
062 F001200 0.0
062 G001200 0.0
062 H001200 0.0
062 I001200 0.0
062 J001200 0.0
062 K001200 0.0
062 L001200 0.0
062 M001200 0.0
062 N001200 0.0
062 O001200 0.0
062 P001200 0.0
062 Q001200 0.0
062 R001200 0.0
063 A001200 0
063 B001200 0.0
066 A001200 Y
066 B001200 N
066 C001200 Y
066 D001200 N
066 E001200 N
066 F001200 N
066 G001200 N
067 001200 N
068 A001200 N
068 B001200 N
069 001200 N
070 A011200 Y
070 A021200 N
070 B011200 Y
070 B021200 N
070 C011200 Y
070 C021200 N
070 D011200 Y
070 D021200 N
070 E011200 N
070 E021200 N
070 F011200 Y
070 F021200 N
070 G011200 Y
070 G021200 N
070 H011200 Y
070 H021200 N
070 I011200 N
070 I021200 N
070 J011200 Y
070 J021200 N
070 K011200 Y
070 K021200 Y
070 L011200 Y
070 L021200 N
070 M011200 N
<PAGE> PAGE 54
070 M021200 N
070 N011200 Y
070 N021200 N
070 O011200 Y
070 O021200 N
070 P011200 Y
070 P021200 N
070 Q011200 N
070 Q021200 N
070 R011200 N
070 R021200 N
071 A001200 57515
071 B001200 34605
071 C001200 112151
071 D001200 31
072 A001200 6
072 B001200 0
072 C001200 1016
072 D001200 0
072 E001200 0
072 F001200 431
072 G001200 57
072 H001200 0
072 I001200 18
072 J001200 11
072 K001200 0
072 L001200 1
072 M001200 1
072 N001200 6
072 O001200 0
072 P001200 0
072 Q001200 0
072 R001200 1
072 S001200 3
072 T001200 26
072 U001200 2
072 V001200 0
072 W001200 1
072 X001200 558
072 Y001200 0
072 Z001200 456
072AA001200 7553
072BB001200 2454
072CC011200 3395
072CC021200 0
072DD011200 0
072DD021200 0
072EE001200 0
073 A011200 0.0000
073 A021200 0.0000
073 B001200 0.0000
<PAGE> PAGE 55
073 C001200 0.0000
074 A001200 0
074 B001200 0
074 C001200 0
074 D001200 0
074 E001200 2050
074 F001200 126080
074 G001200 0
074 H001200 0
074 I001200 2390
074 J001200 671
074 K001200 0
074 L001200 956
074 M001200 15
074 N001200 132162
074 O001200 796
074 P001200 78
074 Q001200 0
074 R011200 0
074 R021200 0
074 R031200 0
074 R041200 60
074 S001200 0
074 T001200 131228
074 U011200 9030
074 U021200 307
074 V011200 14.06
074 V021200 13.87
074 W001200 0.0000
074 X001200 3774
074 Y001200 0
075 A001200 0
075 B001200 114647
076 001200 0.00
008 A001301 NATIONAL CITY BANK
008 B001301 A
008 C001301 801-0000
008 D011301 CLEVELAND
008 D021301 OH
008 D031301 44114
008 A001302 NATIONAL CITY BANK, COLUMBUS
008 B001302 A
008 C001302 801-0000
008 D011302 COLUMBUS
008 D021302 OH
008 D031302 43251
008 A001303 NATIONAL CITY BANK, KENTUCKY
008 B001303 A
008 C001303 801-0000
008 D011303 LOUISVILLE
008 D021303 KY
<PAGE> PAGE 56
008 D031303 40202
008 A001304 NATIONAL ASSET MANAGEMENT CORPORATION
008 B001304 A
008 C001304 801-0000
008 D011304 LOUISVILLE
008 D021304 KY
008 D031304 40202
015 A001301 NATIONAL CITY BANK
015 B001301 C
015 C011301 CLEVELAND
015 C021301 OH
015 C031301 44135
015 E031301 X
015 A001302 BANK OF CALIFORNIA,NA
015 B001302 S
015 C011302 SAN FRANCISCO
015 C021302 CA
015 C031302 94111
015 E041302 X
024 001300 Y
025 A001301 FIDELITY
025 B001301 04-2653569
025 C001301 E
025 D001301 644
025 A001302 CHASE MANHATTAN CORP.
025 B001302 13-3112953
025 C001302 D
025 D001302 3446
025 D001303 0
025 D001304 0
025 D001305 0
025 D001306 0
025 D001307 0
025 D001308 0
028 A011300 2680
028 A021300 0
028 A031300 0
028 A041300 4752
028 B011300 3491
028 B021300 201
028 B031300 0
028 B041300 11635
028 C011300 11357
028 C021300 205
028 C031300 0
028 C041300 577
028 D011300 5922
028 D021300 200
028 D031300 0
028 D041300 2957
028 E011300 547
<PAGE> PAGE 57
028 E021300 197
028 E031300 0
028 E041300 7167
028 F011300 1392
028 F021300 416
028 F031300 0
028 F041300 6982
028 G011300 25389
028 G021300 1219
028 G031300 0
028 G041300 34070
028 H001300 1
029 001300 Y
030 A001300 0
030 B001300 2.75
030 C001300 0.00
031 A001300 0
031 B001300 0
032 001300 0
033 001300 0
034 001300 N
035 001300 0
036 B001300 0
037 001300 N
038 001300 0
039 001300 N
040 001300 Y
041 001300 Y
042 A001300 0
042 B001300 0
042 C001300 0
042 D001300 0
042 E001300 0
042 F001300 0
042 G001300 0
042 H001300 100
043 001300 0
044 001300 0
045 001300 Y
046 001300 N
047 001300 Y
048 001300 0.450
048 A011300 0
048 A021300 0.000
048 B011300 0
048 B021300 0.000
048 C011300 0
048 C021300 0.000
048 D011300 0
048 D021300 0.000
048 E011300 0
<PAGE> PAGE 58
048 E021300 0.000
048 F011300 0
048 F021300 0.000
048 G011300 0
048 G021300 0.000
048 H011300 0
048 H021300 0.000
048 I011300 0
048 I021300 0.000
048 J011300 0
048 J021300 0.000
048 K011300 0
048 K021300 0.000
055 A001300 N
055 B001300 N
056 001300 Y
057 001300 N
058 A001300 N
059 001300 Y
060 A001300 Y
060 B001300 Y
061 001300 0
062 A001300 Y
062 B001300 0.0
062 C001300 0.0
062 D001300 0.0
062 E001300 0.0
062 F001300 0.0
062 G001300 0.0
062 H001300 0.0
062 I001300 0.0
062 J001300 0.0
062 K001300 0.0
062 L001300 0.0
062 M001300 37.5
062 N001300 0.0
062 O001300 0.0
062 P001300 6.0
062 Q001300 55.3
062 R001300 1.1
063 A001300 0
063 B001300 2.3
064 A001300 N
064 B001300 N
066 A001300 N
067 001300 N
068 A001300 N
068 B001300 N
069 001300 N
070 A011300 Y
070 A021300 N
<PAGE> PAGE 59
070 B011300 N
070 B021300 N
070 C011300 Y
070 C021300 N
070 D011300 N
070 D021300 N
070 E011300 Y
070 E021300 N
070 F011300 N
070 F021300 N
070 G011300 Y
070 G021300 N
070 H011300 N
070 H021300 N
070 I011300 N
070 I021300 N
070 J011300 Y
070 J021300 N
070 K011300 Y
070 K021300 Y
070 L011300 Y
070 L021300 Y
070 M011300 Y
070 M021300 N
070 N011300 Y
070 N021300 N
070 O011300 Y
070 O021300 N
070 P011300 Y
070 P021300 N
070 Q011300 N
070 Q021300 N
070 R011300 N
070 R021300 N
071 A001300 85264
071 B001300 69526
071 C001300 46315
071 D001300 150
072 A001300 6
072 B001300 1974
072 C001300 0
072 D001300 0
072 E001300 0
072 F001300 0
072 G001300 34
072 H001300 0
072 I001300 11
072 J001300 7
072 K001300 0
072 L001300 1
072 M001300 1
<PAGE> PAGE 60
072 N001300 3
072 O001300 0
072 P001300 0
072 Q001300 0
072 R001300 1
072 S001300 4
072 T001300 2
072 U001300 2
072 V001300 0
072 W001300 0
072 X001300 66
072 Y001300 0
072 Z001300 1908
072AA001300 261
072BB001300 122
072CC011300 516
072CC021300 0
072DD011300 1853
072DD021300 55
072EE001300 0
073 A011300 0.2824
073 A021300 0.2778
073 B001300 0.0000
073 C001300 0.0000
074 A001300 0
074 B001300 0
074 C001300 22896
074 D001300 37545
074 E001300 0
074 F001300 0
074 G001300 0
074 H001300 0
074 I001300 644
074 J001300 0
074 K001300 0
074 L001300 867
074 M001300 16
074 N001300 61968
074 O001300 0
074 P001300 0
074 Q001300 0
074 R011300 0
074 R021300 0
074 R031300 0
074 R041300 139
074 S001300 0
074 T001300 61829
074 U011300 5913
074 U021300 204
074 V011300 10.11
074 V021300 10.12
<PAGE> PAGE 61
074 W001300 0.0000
074 X001300 276
074 Y001300 0
075 A001300 0
075 B001300 68400
076 001300 0.00
008 A001401 NATIONAL CITY BANK
008 B001401 A
008 C001401 801-0000
008 D011401 CLEVELAND
008 D021401 OH
008 D031401 44114
008 A001402 NATIONAL CITY BANK, COLUMBUS
008 B001402 A
008 C001402 801-0000
008 D011402 COLUMBUS
008 D021402 OH
008 D031402 43251
008 A001403 NATIONAL CITY BANK, KENTUCKY
008 B001403 A
008 C001403 801-0000
008 D011403 LOUISVILLE
008 D021403 KY
008 D031403 40202
008 A001404 NATIONAL ASSET MANAGEMENT CORPORATION
008 B001404 A
008 C001404 801-0000
008 D011404 LOUISVILLE
008 D021404 KY
008 D031404 40202
015 A001401 NATIONAL CITY BANK
015 B001401 C
015 C011401 CLEVELAND
015 C021401 OH
015 C031401 44135
015 E031401 X
015 A001402 BANK OF CALIFORNIA, NA
015 B001402 S
015 C011402 SAN FRANCISCO
015 C021402 CA
015 C031402 94111
015 E041402 X
024 001400 Y
025 A001401 FIDELITY
025 B001401 04-2653569
025 C001401 E
025 D001401 6323
025 A001402 BANKAMERICA CORP.
025 B001402 36-0947896
025 C001402 D
025 D001402 5172
<PAGE> PAGE 62
025 A001403 PRUDENTIAL
025 B001403 22-2347336
025 C001403 D
025 D001403 2696
025 D001404 0
025 D001405 0
025 D001406 0
025 D001407 0
025 D001408 0
028 A011400 2171
028 A021400 0
028 A031400 0
028 A041400 3597
028 B011400 5349
028 B021400 845
028 B031400 0
028 B041400 1742
028 C011400 6140
028 C021400 887
028 C031400 0
028 C041400 2022
028 D011400 4445
028 D021400 905
028 D031400 0
028 D041400 2159
028 E011400 3056
028 E021400 903
028 E031400 0
028 E041400 24203
028 F011400 6701
028 F021400 1825
028 F031400 0
028 F041400 14445
028 G011400 27862
028 G021400 5365
028 G031400 0
028 G041400 48168
028 H001400 1
029 001400 Y
030 A001400 0
030 B001400 3.75
030 C001400 0.00
031 A001400 0
031 B001400 0
032 001400 0
033 001400 0
034 001400 N
035 001400 0
036 B001400 0
037 001400 N
038 001400 0
<PAGE> PAGE 63
039 001400 N
040 001400 Y
041 001400 Y
042 A001400 0
042 B001400 0
042 C001400 0
042 D001400 0
042 E001400 0
042 F001400 0
042 G001400 0
042 H001400 100
043 001400 0
044 001400 0
045 001400 Y
046 001400 N
047 001400 Y
048 001400 0.550
048 A011400 0
048 A021400 0.000
048 B011400 0
048 B021400 0.000
048 C011400 0
048 C021400 0.000
048 D011400 0
048 D021400 0.000
048 E011400 0
048 E021400 0.000
048 F011400 0
048 F021400 0.000
048 G011400 0
048 G021400 0.000
048 H011400 0
048 H021400 0.000
048 I011400 0
048 I021400 0.000
048 J011400 0
048 J021400 0.000
048 K011400 0
048 K021400 0.000
055 A001400 N
055 B001400 N
056 001400 Y
057 001400 N
058 A001400 N
059 001400 Y
060 A001400 Y
060 B001400 Y
061 001400 0
062 A001400 Y
062 B001400 0.0
062 C001400 0.0
<PAGE> PAGE 64
062 D001400 0.0
062 E001400 0.0
062 F001400 0.0
062 G001400 0.0
062 H001400 0.0
062 I001400 0.0
062 J001400 0.0
062 K001400 0.0
062 L001400 0.0
062 M001400 24.9
062 N001400 8.5
062 O001400 0.0
062 P001400 32.3
062 Q001400 32.1
062 R001400 2.2
063 A001400 0
063 B001400 7.6
064 A001400 N
064 B001400 N
066 A001400 N
067 001400 N
068 A001400 N
068 B001400 N
069 001400 N
070 A011400 Y
070 A021400 N
070 B011400 N
070 B021400 N
070 C011400 Y
070 C021400 N
070 D011400 N
070 D021400 N
070 E011400 Y
070 E021400 N
070 F011400 N
070 F021400 N
070 G011400 Y
070 G021400 N
070 H011400 N
070 H021400 N
070 I011400 N
070 I021400 N
070 J011400 Y
070 J021400 N
070 K011400 Y
070 K021400 Y
070 L011400 Y
070 L021400 Y
070 M011400 Y
070 M021400 N
070 N011400 Y
<PAGE> PAGE 65
070 N021400 N
070 O011400 Y
070 O021400 N
070 P011400 Y
070 P021400 N
070 Q011400 N
070 Q021400 N
070 R011400 N
070 R021400 N
071 A001400 220755
071 B001400 232624
071 C001400 277363
071 D001400 80
072 A001400 6
072 B001400 9949
072 C001400 0
072 D001400 0
072 E001400 0
072 F001400 0
072 G001400 133
072 H001400 0
072 I001400 13
072 J001400 20
072 K001400 0
072 L001400 4
072 M001400 4
072 N001400 13
072 O001400 0
072 P001400 0
072 Q001400 0
072 R001400 5
072 S001400 14
072 T001400 8
072 U001400 2
072 V001400 0
072 W001400 3
072 X001400 219
072 Y001400 0
072 Z001400 9730
072AA001400 1423
072BB001400 2742
072CC011400 14490
072CC021400 0
072DD011400 9662
072DD021400 68
072EE001400 0
073 A011400 0.3382
073 A021400 0.3200
073 B001400 0.0000
073 C001400 0.0000
074 A001400 0
<PAGE> PAGE 66
074 B001400 0
074 C001400 1165
074 D001400 271499
074 E001400 0
074 F001400 0
074 G001400 0
074 H001400 0
074 I001400 6323
074 J001400 2052
074 K001400 0
074 L001400 3068
074 M001400 15
074 N001400 284122
074 O001400 2026
074 P001400 0
074 Q001400 0
074 R011400 0
074 R021400 0
074 R031400 0
074 R041400 1424
074 S001400 0
074 T001400 280672
074 U011400 26943
074 U021400 212
074 V011400 10.34
074 V021400 10.33
074 W001400 0.0000
074 X001400 784
074 Y001400 0
075 A001400 0
075 B001400 288126
076 001400 0.00
008 A001501 NATIONAL CITY BANK
008 B001501 A
008 C001501 801-0000
008 D011501 CLEVELAND
008 D021501 OH
008 D031501 44114
008 A001502 NATIONAL CITY BANK, COLUMBUS
008 B001502 A
008 C001502 801-0000
008 D011502 COLUMBUS
008 D021502 OH
008 D031502 43251
008 A001503 NATIONAL CITY BANK, KENTUCKY
008 B001503 A
008 C001503 801-0000
008 D011503 LOUISVILLE
008 D021503 KY
008 D031503 40202
008 A001504 NATIONAL ASSET MANAGEMENT CORPORATION
<PAGE> PAGE 67
008 B001504 A
008 C001504 801-0000
008 D011504 LOUISVILLE
008 D021504 KY
008 D031504 40202
015 A001501 NATIONAL CITY BANK
015 B001501 C
015 C011501 CLEVELAND
015 C021501 OH
015 C031501 44135
015 E031501 X
024 001500 Y
025 A001501 GOLDMAN SACHS
025 B001501 13-5108880
025 C001501 D
025 D001501 1326
025 D001502 0
025 D001503 0
025 D001504 0
025 D001505 0
025 D001506 0
025 D001507 0
025 D001508 0
028 A011500 863
028 A021500 8
028 A031500 0
028 A041500 469
028 B011500 684
028 B021500 8
028 B031500 0
028 B041500 833
028 C011500 4385
028 C021500 9
028 C031500 0
028 C041500 543
028 D011500 362
028 D021500 0
028 D031500 0
028 D041500 1325
028 E011500 573
028 E021500 8
028 E031500 0
028 E041500 479
028 F011500 575
028 F021500 18
028 F031500 0
028 F041500 4467
028 G011500 7442
028 G021500 51
028 G031500 0
028 G041500 8116
<PAGE> PAGE 68
028 H001500 0
029 001500 Y
030 A001500 0
030 B001500 3.75
030 C001500 0.00
031 A001500 0
031 B001500 0
032 001500 0
033 001500 0
034 001500 N
035 001500 0
036 B001500 0
037 001500 N
038 001500 0
039 001500 N
040 001500 Y
041 001500 Y
042 A001500 0
042 B001500 0
042 C001500 0
042 D001500 0
042 E001500 0
042 F001500 0
042 G001500 0
042 H001500 100
043 001500 0
044 001500 0
045 001500 Y
046 001500 N
047 001500 Y
048 001500 0.550
048 A011500 0
048 A021500 0.000
048 B011500 0
048 B021500 0.000
048 C011500 0
048 C021500 0.000
048 D011500 0
048 D021500 0.000
048 E011500 0
048 E021500 0.000
048 F011500 0
048 F021500 0.000
048 G011500 0
048 G021500 0.000
048 H011500 0
048 H021500 0.000
048 I011500 0
048 I021500 0.000
048 J011500 0
048 J021500 0.000
<PAGE> PAGE 69
048 K011500 0
048 K021500 0.000
055 A001500 N
055 B001500 N
056 001500 Y
057 001500 N
058 A001500 N
059 001500 Y
060 A001500 Y
060 B001500 Y
061 001500 0
062 A001500 Y
062 B001500 0.0
062 C001500 0.0
062 D001500 0.0
062 E001500 0.0
062 F001500 0.0
062 G001500 0.0
062 H001500 0.0
062 I001500 0.0
062 J001500 0.0
062 K001500 0.0
062 L001500 0.0
062 M001500 35.9
062 N001500 51.0
062 O001500 0.0
062 P001500 0.0
062 Q001500 11.6
062 R001500 1.5
063 A001500 0
063 B001500 7.5
064 A001500 N
064 B001500 N
066 A001500 N
067 001500 N
068 A001500 N
068 B001500 N
069 001500 N
070 A011500 Y
070 A021500 N
070 B011500 N
070 B021500 N
070 C011500 Y
070 C021500 N
070 D011500 N
070 D021500 N
070 E011500 Y
070 E021500 N
070 F011500 N
070 F021500 N
070 G011500 Y
<PAGE> PAGE 70
070 G021500 N
070 H011500 N
070 H021500 N
070 I011500 N
070 I021500 N
070 J011500 Y
070 J021500 N
070 K011500 Y
070 K021500 Y
070 L011500 Y
070 L021500 Y
070 M011500 Y
070 M021500 N
070 N011500 Y
070 N021500 N
070 O011500 Y
070 O021500 N
070 P011500 Y
070 P021500 N
070 Q011500 N
070 Q021500 N
070 R011500 N
070 R021500 N
071 A001500 33452
071 B001500 32225
071 C001500 88307
071 D001500 36
072 A001500 6
072 B001500 3039
072 C001500 0
072 D001500 0
072 E001500 0
072 F001500 236
072 G001500 66
072 H001500 0
072 I001500 15
072 J001500 7
072 K001500 0
072 L001500 6
072 M001500 3
072 N001500 2
072 O001500 0
072 P001500 0
072 Q001500 0
072 R001500 1
072 S001500 2
072 T001500 10
072 U001500 2
072 V001500 0
072 W001500 37
072 X001500 387
<PAGE> PAGE 71
072 Y001500 0
072 Z001500 2652
072AA001500 140
072BB001500 233
072CC011500 2480
072CC021500 0
072DD011500 2720
072DD021500 0
072EE001500 0
073 A011500 0.2934
073 A021500 0.1200
073 B001500 0.0000
073 C001500 0.0000
074 A001500 0
074 B001500 0
074 C001500 3544
074 D001500 85535
074 E001500 0
074 F001500 0
074 G001500 0
074 H001500 0
074 I001500 1326
074 J001500 0
074 K001500 0
074 L001500 1043
074 M001500 17
074 N001500 91465
074 O001500 0
074 P001500 42
074 Q001500 0
074 R011500 0
074 R021500 0
074 R031500 0
074 R041500 898
074 S001500 0
074 T001500 90525
074 U011500 8850
074 U021500 2
074 V011500 10.23
074 V021500 10.23
074 W001500 0.0000
074 X001500 2883
074 Y001500 0
075 A001500 0
075 B001500 91693
076 001500 0.00
008 A001601 NATIONAL CITY BANK
008 B001601 A
008 C001601 801-0000
008 D011601 CLEVELAND
008 D021601 OH
<PAGE> PAGE 72
008 D031601 44114
008 A001602 NATIONAL CITY BANK, COLUMBUS
008 B001602 A
008 C001602 801-0000
008 D011602 COLUMBUS
008 D021602 OH
008 D031602 43251
008 A001603 NATIONAL CITY BANK, KENTUCKY
008 B001603 A
008 C001603 801-0000
008 D011603 LOUISVILLE
008 D021603 KY
008 D031603 40202
008 A001604 NATIONAL ASSET MANAGEMENT CORPORATION
008 B001604 A
008 C001604 801-0000
008 D011604 LOUISVILLE
008 D021604 KY
008 D031604 40202
015 A001601 NATIONAL CITY BANK
015 B001601 C
015 C011601 CLEVELAND
015 C021601 OH
015 C031601 44135
015 E031601 X
024 001600 Y
025 A001601 GOLDMAN SACHS
025 B001601 13-5108880
025 C001601 E
025 D001601 323
025 D001602 0
025 D001603 0
025 D001604 0
025 D001605 0
025 D001606 0
025 D001607 0
025 D001608 0
028 A011600 430
028 A021600 9
028 A031600 0
028 A041600 368
028 B011600 787
028 B021600 8
028 B031600 0
028 B041600 615
028 C011600 3480
028 C021600 8
028 C031600 0
028 C041600 420
028 D011600 367
028 D021600 0
<PAGE> PAGE 73
028 D031600 0
028 D041600 848
028 E011600 460
028 E021600 9
028 E031600 0
028 E041600 442
028 F011600 716
028 F021600 18
028 F031600 0
028 F041600 3487
028 G011600 6240
028 G021600 51
028 G031600 0
028 G041600 6180
028 H001600 0
029 001600 Y
030 A001600 0
030 B001600 3.75
030 C001600 0.00
031 A001600 0
031 B001600 0
032 001600 0
033 001600 0
034 001600 N
035 001600 0
036 B001600 0
037 001600 N
038 001600 0
039 001600 N
040 001600 Y
041 001600 Y
042 A001600 0
042 B001600 0
042 C001600 0
042 D001600 0
042 E001600 0
042 F001600 0
042 G001600 0
042 H001600 100
043 001600 0
044 001600 0
045 001600 Y
046 001600 N
047 001600 Y
048 001600 0.550
048 A011600 0
048 A021600 0.000
048 B011600 0
048 B021600 0.000
048 C011600 0
048 C021600 0.000
<PAGE> PAGE 74
048 D011600 0
048 D021600 0.000
048 E011600 0
048 E021600 0.000
048 F011600 0
048 F021600 0.000
048 G011600 0
048 G021600 0.000
048 H011600 0
048 H021600 0.000
048 I011600 0
048 I021600 0.000
048 J011600 0
048 J021600 0.000
048 K011600 0
048 K021600 0.000
055 A001600 Y
055 B001600 N
056 001600 Y
057 001600 N
058 A001600 N
059 001600 Y
060 A001600 Y
060 B001600 Y
061 001600 0
062 A001600 Y
062 B001600 0.0
062 C001600 0.0
062 D001600 0.0
062 E001600 0.0
062 F001600 0.0
062 G001600 0.0
062 H001600 0.0
062 I001600 0.0
062 J001600 0.0
062 K001600 0.0
062 L001600 0.0
062 M001600 0.0
062 N001600 99.5
062 O001600 0.0
062 P001600 0.0
062 Q001600 0.0
062 R001600 0.5
063 A001600 0
063 B001600 10.9
064 A001600 N
064 B001600 N
066 A001600 N
067 001600 N
068 A001600 N
068 B001600 N
<PAGE> PAGE 75
069 001600 N
070 A011600 Y
070 A021600 N
070 B011600 N
070 B021600 N
070 C011600 Y
070 C021600 N
070 D011600 N
070 D021600 N
070 E011600 Y
070 E021600 N
070 F011600 N
070 F021600 N
070 G011600 Y
070 G021600 N
070 H011600 N
070 H021600 N
070 I011600 Y
070 I021600 N
070 J011600 N
070 J021600 N
070 K011600 Y
070 K021600 Y
070 L011600 N
070 L021600 N
070 M011600 N
070 M021600 N
070 N011600 Y
070 N021600 N
070 O011600 Y
070 O021600 N
070 P011600 N
070 P021600 N
070 Q011600 N
070 Q021600 N
070 R011600 Y
070 R021600 N
071 A001600 21952
071 B001600 19485
071 C001600 61655
071 D001600 32
072 A001600 6
072 B001600 2326
072 C001600 0
072 D001600 0
072 E001600 0
072 F001600 148
072 G001600 45
072 H001600 0
072 I001600 14
072 J001600 7
<PAGE> PAGE 76
072 K001600 0
072 L001600 5
072 M001600 2
072 N001600 7
072 O001600 0
072 P001600 0
072 Q001600 0
072 R001600 21
072 S001600 2
072 T001600 7
072 U001600 2
072 V001600 0
072 W001600 9
072 X001600 270
072 Y001600 0
072 Z001600 2056
072AA001600 164
072BB001600 264
072CC011600 2056
072CC021600 0
072DD011600 2054
072DD021600 2
072EE001600 0
073 A011600 0.3311
073 A021600 0.1400
073 B001600 0.0000
073 C001600 0.0000
074 A001600 0
074 B001600 0
074 C001600 0
074 D001600 62477
074 E001600 0
074 F001600 0
074 G001600 0
074 H001600 0
074 I001600 324
074 J001600 0
074 K001600 0
074 L001600 470
074 M001600 18
074 N001600 63289
074 O001600 0
074 P001600 29
074 Q001600 0
074 R011600 0
074 R021600 0
074 R031600 0
074 R041600 660
074 S001600 0
074 T001600 62600
074 U011600 6037
<PAGE> PAGE 77
074 U021600 12
074 V011600 10.35
074 V021600 10.35
074 W001600 0.0000
074 X001600 2896
074 Y001600 0
075 A001600 0
075 B001600 62955
076 001600 0.00
008 A001701 NATIONAL CITY BANK
008 B001701 A
008 C001701 801-0000
008 D011701 CLEVELAND
008 D021701 OH
008 D031701 44114
008 A001702 NATIONAL CITY BANK, COLUMBUS
008 B001702 A
008 C001702 801-0000
008 D011702 COLUMBUS
008 D021702 OH
008 D031702 43251
008 A001703 NATIONAL CITY BANK, KENTUCKY
008 B001703 A
008 C001703 801-0000
008 D011703 LOUISVILLE
008 D021703 KY
008 D031703 40202
008 A001704 NATIONAL ASSET MANAGEMENT CORPORATION
008 B001704 A
008 C001704 801-0000
008 D011704 LOUISVILLE
008 D021704 KY
008 D031704 40202
008 A001705 WEISS PECK & GREER, L.L.C.
008 B001705 S
008 C001705 801-0000
008 D011705 NEW YORK
008 D021705 NY
008 D031705 10004
015 A001701 NATIONAL CITY BANK
015 B001701 C
015 C011701 CLEVELAND
015 C021701 OH
015 C031701 44135
015 E031701 X
024 001700 Y
025 A001701 PA FEDERATED
025 B001701 25-1203925
025 C001701 E
025 D001701 1334
025 D001702 0
<PAGE> PAGE 78
025 D001703 0
025 D001704 0
025 D001705 0
025 D001706 0
025 D001707 0
025 D001708 0
028 A011700 10028
028 A021700 5
028 A031700 0
028 A041700 9027
028 B011700 10781
028 B021700 5
028 B031700 0
028 B041700 12095
028 C011700 8077
028 C021700 5
028 C031700 0
028 C041700 9435
028 D011700 84868
028 D021700 5
028 D031700 0
028 D041700 84908
028 E011700 18049
028 E021700 3
028 E031700 0
028 E041700 14902
028 F011700 14213
028 F021700 3
028 F031700 0
028 F041700 10468
028 G011700 146016
028 G021700 26
028 G031700 0
028 G041700 140835
028 H001700 0
029 001700 N
030 A001700 0
030 B001700 0.00
030 C001700 0.00
034 001700 N
035 001700 0
036 B001700 0
037 001700 N
038 001700 0
039 001700 N
040 001700 Y
041 001700 Y
042 A001700 0
042 B001700 0
042 C001700 0
042 D001700 0
<PAGE> PAGE 79
042 E001700 0
042 F001700 0
042 G001700 0
042 H001700 100
043 001700 0
044 001700 0
045 001700 Y
046 001700 N
047 001700 Y
048 001700 0.400
048 A011700 0
048 A021700 0.000
048 B011700 0
048 B021700 0.000
048 C011700 0
048 C021700 0.000
048 D011700 0
048 D021700 0.000
048 E011700 0
048 E021700 0.000
048 F011700 0
048 F021700 0.000
048 G011700 0
048 G021700 0.000
048 H011700 0
048 H021700 0.000
048 I011700 0
048 I021700 0.000
048 J011700 0
048 J021700 0.000
048 K011700 0
048 K021700 0.000
055 A001700 N
055 B001700 N
056 001700 Y
057 001700 N
058 A001700 N
059 001700 Y
060 A001700 N
060 B001700 N
061 001700 500
062 A001700 Y
062 B001700 0.0
062 C001700 0.0
062 D001700 0.0
062 E001700 98.2
062 F001700 0.0
062 G001700 0.0
062 H001700 0.0
062 I001700 0.0
062 J001700 0.0
<PAGE> PAGE 80
062 K001700 0.0
062 L001700 0.0
062 M001700 0.0
062 N001700 0.0
062 O001700 0.0
062 P001700 0.0
062 Q001700 0.0
062 R001700 1.8
063 A001700 46
063 B001700 0.0
064 A001700 Y
064 B001700 N
066 A001700 N
067 001700 N
068 A001700 N
068 B001700 N
069 001700 N
070 A011700 Y
070 A021700 N
070 B011700 N
070 B021700 N
070 C011700 N
070 C021700 N
070 D011700 N
070 D021700 N
070 E011700 N
070 E021700 N
070 F011700 N
070 F021700 N
070 G011700 N
070 G021700 N
070 H011700 N
070 H021700 N
070 I011700 N
070 I021700 N
070 J011700 Y
070 J021700 N
070 K011700 Y
070 K021700 Y
070 L011700 N
070 L021700 N
070 M011700 N
070 M021700 N
070 N011700 N
070 N021700 N
070 O011700 Y
070 O021700 N
070 P011700 Y
070 P021700 N
070 Q011700 N
070 Q021700 N
<PAGE> PAGE 81
070 R011700 N
070 R021700 N
071 A001700 0
071 B001700 0
071 C001700 0
071 D001700 0
072 A001700 6
072 B001700 1255
072 C001700 0
072 D001700 0
072 E001700 0
072 F001700 59
072 G001700 36
072 H001700 0
072 I001700 13
072 J001700 6
072 K001700 0
072 L001700 4
072 M001700 3
072 N001700 0
072 O001700 0
072 P001700 0
072 Q001700 0
072 R001700 22
072 S001700 2
072 T001700 7
072 U001700 2
072 V001700 0
072 W001700 12
072 X001700 166
072 Y001700 0
072 Z001700 1089
072AA001700 0
072BB001700 0
072CC011700 0
072CC021700 0
072DD011700 1067
072DD021700 22
072EE001700 0
073 A011700 0.0155
073 A021700 0.0071
073 B001700 0.0000
073 C001700 0.0000
074 A001700 0
074 B001700 0
074 C001700 72067
074 D001700 0
074 E001700 0
074 F001700 0
074 G001700 0
074 H001700 0
<PAGE> PAGE 82
074 I001700 1334
074 J001700 0
074 K001700 0
074 L001700 533
074 M001700 9
074 N001700 73943
074 O001700 0
074 P001700 6
074 Q001700 0
074 R011700 0
074 R021700 0
074 R031700 0
074 R041700 258
074 S001700 0
074 T001700 73679
074 U011700 69173
074 U021700 4509
074 V011700 1.00
074 V021700 1.00
074 W001700 1.0002
074 X001700 720
074 Y001700 0
075 A001700 72168
075 B001700 0
076 001700 0.00
008 A001801 NATIONAL CITY BANK
008 B001801 A
008 C001801 801-0000
008 D011801 CLEVELAND
008 D021801 OH
008 D031801 44114
008 A001802 NATIONAL CITY BANK, COLUMBUS
008 B001802 A
008 C001802 801-0000
008 D011802 COLUMBUS
008 D021802 OH
008 D031802 43251
008 A001803 NATIONAL CITY BANK, KENTUCKY
008 B001803 A
008 C001803 801-0000
008 D011803 LOUISVILLE
008 D021803 KY
008 D031803 40202
008 A001804 NATIONAL ASSET MANAGEMENT CORPORATION
008 B001804 A
008 C001804 801-0000
008 D011804 LOUISVILLE
008 D021804 KY
008 D031804 40202
008 A001805 WEISS PECK & GREER, L.L.C.
008 B001805 S
<PAGE> PAGE 83
008 C001805 801-0000
008 D011805 NEW YORK
008 D021805 NY
008 D031805 10004
015 A001801 NATIONAL CITY BANK
015 B001801 C
015 C011801 CLEVELAND
015 C021801 OH
015 C031801 44135
015 E031801 X
024 001800 N
028 A011800 388
028 A021800 0
028 A031800 0
028 A041800 644
028 B011800 199
028 B021800 0
028 B031800 0
028 B041800 797
028 C011800 173
028 C021800 1
028 C031800 0
028 C041800 1381
028 D011800 157
028 D021800 0
028 D031800 0
028 D041800 394
028 E011800 548
028 E021800 0
028 E031800 0
028 E041800 370
028 F011800 223
028 F021800 0
028 F031800 0
028 F041800 533
028 G011800 1688
028 G021800 1
028 G031800 0
028 G041800 4119
028 H001800 0
029 001800 Y
030 A001800 0
030 B001800 3.00
030 C001800 0.00
031 A001800 0
031 B001800 0
032 001800 0
033 001800 0
034 001800 N
035 001800 0
036 B001800 0
<PAGE> PAGE 84
037 001800 N
038 001800 0
039 001800 N
040 001800 Y
041 001800 Y
042 A001800 0
042 B001800 0
042 C001800 0
042 D001800 0
042 E001800 0
042 F001800 0
042 G001800 0
042 H001800 100
043 001800 0
044 001800 0
045 001800 Y
046 001800 N
047 001800 Y
048 001800 0.550
048 A011800 0
048 A021800 0.000
048 B011800 0
048 B021800 0.000
048 C011800 0
048 C021800 0.000
048 D011800 0
048 D021800 0.000
048 E011800 0
048 E021800 0.000
048 F011800 0
048 F021800 0.000
048 G011800 0
048 G021800 0.000
048 H011800 0
048 H021800 0.000
048 I011800 0
048 I021800 0.000
048 J011800 0
048 J021800 0.000
048 K011800 0
048 K021800 0.000
055 A001800 Y
055 B001800 N
056 001800 Y
057 001800 N
058 A001800 N
059 001800 Y
060 A001800 Y
060 B001800 Y
061 001800 0
062 A001800 Y
<PAGE> PAGE 85
062 B001800 0.0
062 C001800 0.0
062 D001800 0.0
062 E001800 0.0
062 F001800 0.0
062 G001800 0.0
062 H001800 0.0
062 I001800 0.0
062 J001800 0.0
062 K001800 0.0
062 L001800 0.0
062 M001800 0.0
062 N001800 0.0
062 O001800 99.9
062 P001800 0.0
062 Q001800 0.0
062 R001800 0.1
063 A001800 0
063 B001800 6.0
064 A001800 Y
064 B001800 N
066 A001800 N
067 001800 N
068 A001800 N
068 B001800 N
069 001800 N
070 A011800 Y
070 A021800 N
070 B011800 N
070 B021800 N
070 C011800 N
070 C021800 N
070 D011800 N
070 D021800 N
070 E011800 N
070 E021800 N
070 F011800 N
070 F021800 N
070 G011800 N
070 G021800 N
070 H011800 N
070 H021800 N
070 I011800 N
070 I021800 N
070 J011800 Y
070 J021800 N
070 K011800 Y
070 K021800 Y
070 L011800 N
070 L021800 N
070 M011800 N
<PAGE> PAGE 86
070 M021800 N
070 N011800 Y
070 N021800 N
070 O011800 Y
070 O021800 N
070 P011800 Y
070 P021800 N
070 Q011800 N
070 Q021800 N
070 R011800 N
070 R021800 N
071 A001800 7662
071 B001800 9048
071 C001800 36996
071 D001800 21
072 A001800 6
072 B001800 986
072 C001800 0
072 D001800 0
072 E001800 0
072 F001800 92
072 G001800 27
072 H001800 0
072 I001800 12
072 J001800 2
072 K001800 0
072 L001800 3
072 M001800 1
072 N001800 2
072 O001800 0
072 P001800 0
072 Q001800 0
072 R001800 11
072 S001800 1
072 T001800 1
072 U001800 2
072 V001800 0
072 W001800 11
072 X001800 165
072 Y001800 0
072 Z001800 821
072AA001800 53
072BB001800 5
072CC011800 846
072CC021800 0
072DD011800 820
072DD021800 1
072EE001800 0
073 A011800 0.2217
073 A021800 0.1000
073 B001800 0.0000
<PAGE> PAGE 87
073 C001800 0.0000
074 A001800 0
074 B001800 0
074 C001800 0
074 D001800 36714
074 E001800 0
074 F001800 0
074 G001800 0
074 H001800 0
074 I001800 38
074 J001800 0
074 K001800 0
074 L001800 693
074 M001800 10
074 N001800 37455
074 O001800 0
074 P001800 10
074 Q001800 0
074 R011800 0
074 R021800 0
074 R031800 0
074 R041800 249
074 S001800 0
074 T001800 37196
074 U011800 3596
074 U021800 8
074 V011800 10.32
074 V021800 10.32
074 W001800 0.0000
074 X001800 408
074 Y001800 0
075 A001800 0
075 B001800 37649
076 001800 0.00
SIGNATURE WENDY MCGEE
TITLE LEGAL ASSISTANT
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 011
<NAME> ARMADA MONEY MARKET FUND - INSTITUTIONAL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 1966482081
<INVESTMENTS-AT-VALUE> 1966482081
<RECEIVABLES> 642632
<ASSETS-OTHER> 52987
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 1967177700
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 9496052
<TOTAL-LIABILITIES> 9496052
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 1957689962
<SHARES-COMMON-STOCK> 1614170605
<SHARES-COMMON-PRIOR> 1344418519
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (8314)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 1614166081
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 50759105
<OTHER-INCOME> 0
<EXPENSES-NET> 3537578
<NET-INVESTMENT-INCOME> 47221527
<REALIZED-GAINS-CURRENT> 0
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 47221527
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 38828024
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 2346352909
<NUMBER-OF-SHARES-REDEEMED> 2076609387
<SHARES-REINVESTED> 8564
<NET-CHANGE-IN-ASSETS> 270181040
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (8314)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 3279239
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 4474503
<AVERAGE-NET-ASSETS> 1522378672
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> .025
<PER-SHARE-GAIN-APPREC> 0
<PER-SHARE-DIVIDEND> .025
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> .36
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 012
<NAME> ARMADA MONEY MARKET FUND - RETAIL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 1966482081
<INVESTMENTS-AT-VALUE> 1966482081
<RECEIVABLES> 642632
<ASSETS-OTHER> 52987
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 1967177700
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 9496052
<TOTAL-LIABILITIES> 9496052
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 1957689962
<SHARES-COMMON-STOCK> 343519357
<SHARES-COMMON-PRIOR> 343090403
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (8314)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 343515567
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 50759105
<OTHER-INCOME> 0
<EXPENSES-NET> 3537578
<NET-INVESTMENT-INCOME> 47221527
<REALIZED-GAINS-CURRENT> 0
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 47221527
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 8393503
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 919141366
<NUMBER-OF-SHARES-REDEEMED> 925339023
<SHARES-REINVESTED> 6626611
<NET-CHANGE-IN-ASSETS> 270181040
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (8314)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 3279239
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 4474503
<AVERAGE-NET-ASSETS> 335829024
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> .025
<PER-SHARE-GAIN-APPREC> 0
<PER-SHARE-DIVIDEND> .025
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> .46
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 021
<NAME> ARMADA GOVERNMENT FUND - INSTITUTIONAL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 1000005410
<INVESTMENTS-AT-VALUE> 1000005410
<RECEIVABLES> 156575
<ASSETS-OTHER> 3290
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 1000162275
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 4633503
<TOTAL-LIABILITIES> 4633503
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 995533646
<SHARES-COMMON-STOCK> 839572790
<SHARES-COMMON-PRIOR> 741895081
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (1874)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 839571298
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 24838544
<OTHER-INCOME> 0
<EXPENSES-NET> 1727128
<NET-INVESTMENT-INCOME> 23111416
<REALIZED-GAINS-CURRENT> 0
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 23111416
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 19515359
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 1454122832
<NUMBER-OF-SHARES-REDEEMED> 1356715388
<SHARES-REINVESTED> 270265
<NET-CHANGE-IN-ASSETS> 122444272
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (1874)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 1616702
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 2189042
<AVERAGE-NET-ASSETS> 775662796
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> .025
<PER-SHARE-GAIN-APPREC> 0
<PER-SHARE-DIVIDEND> .025
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> .36
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 022
<NAME> ARMADA GOVERNMENT FUND - RETAIL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 1000005410
<INVESTMENTS-AT-VALUE> 1000005410
<RECEIVABLES> 156575
<ASSETS-OTHER> 3290
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 1000162275
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 4633503
<TOTAL-LIABILITIES> 4633503
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 995533646
<SHARES-COMMON-STOCK> 155960856
<SHARES-COMMON-PRIOR> 131194293
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (1874)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 155960474
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 24838544
<OTHER-INCOME> 0
<EXPENSES-NET> 1727128
<NET-INVESTMENT-INCOME> 23111416
<REALIZED-GAINS-CURRENT> 0
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 23111416
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 3596057
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 228515758
<NUMBER-OF-SHARES-REDEEMED> 204227734
<SHARES-REINVESTED> 478539
<NET-CHANGE-IN-ASSETS> 122444272
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (1874)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 1616702
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 2189042
<AVERAGE-NET-ASSETS> 145847358
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> .025
<PER-SHARE-GAIN-APPREC> 0
<PER-SHARE-DIVIDEND> .025
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> .46
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 031
<NAME> ARMADA TREASURY FUND - INSTITUTIONAL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 333614541
<INVESTMENTS-AT-VALUE> 333614541
<RECEIVABLES> 102609
<ASSETS-OTHER> 16048
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 333733198
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 1528745
<TOTAL-LIABILITIES> 1528745
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 332190046
<SHARES-COMMON-STOCK> 326792928
<SHARES-COMMON-PRIOR> 312243522
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 14407
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 326807210
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 8110834
<OTHER-INCOME> 0
<EXPENSES-NET> 584109
<NET-INVESTMENT-INCOME> 7526725
<REALIZED-GAINS-CURRENT> 2703
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 7529428
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 7410341
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 504260205
<NUMBER-OF-SHARES-REDEEMED> 489711152
<SHARES-REINVESTED> 353
<NET-CHANGE-IN-ASSETS> 15594013
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 11704
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 471313
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 662661
<AVERAGE-NET-ASSETS> 308416041
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> .024
<PER-SHARE-GAIN-APPREC> 0
<PER-SHARE-DIVIDEND> .024
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> .37
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 032
<NAME> ARMADA TREASURY FUND - RETAIL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 333614541
<INVESTMENTS-AT-VALUE> 333614541
<RECEIVABLES> 102609
<ASSETS-OTHER> 16048
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 333733198
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 1528745
<TOTAL-LIABILITIES> 1528745
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 332190046
<SHARES-COMMON-STOCK> 5397118
<SHARES-COMMON-PRIOR> 4355214
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 14407
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 5397243
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 8110834
<OTHER-INCOME> 0
<EXPENSES-NET> 584109
<NET-INVESTMENT-INCOME> 7526725
<REALIZED-GAINS-CURRENT> 2703
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 7529428
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 116385
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 6622906
<NUMBER-OF-SHARES-REDEEMED> 5676167
<SHARES-REINVESTED> 95165
<NET-CHANGE-IN-ASSETS> 15594013
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 11704
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 471313
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 662661
<AVERAGE-NET-ASSETS> 4948339
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> .024
<PER-SHARE-GAIN-APPREC> 0
<PER-SHARE-DIVIDEND> .024
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> .47
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 041
<NAME> ARMADA TAX EXEMPT FUND - INSTITUTIONAL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 371606074
<INVESTMENTS-AT-VALUE> 371606074
<RECEIVABLES> 2254910
<ASSETS-OTHER> 3781
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 373864765
<PAYABLE-FOR-SECURITIES> 1000000
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 1554704
<TOTAL-LIABILITIES> 2554704
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 371311520
<SHARES-COMMON-STOCK> 300576182
<SHARES-COMMON-PRIOR> 261809695
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (1459)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 300574773
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 6223454
<OTHER-INCOME> 0
<EXPENSES-NET> 554410
<NET-INVESTMENT-INCOME> 5669044
<REALIZED-GAINS-CURRENT> 0
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 5669044
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 4626078
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 282359089
<NUMBER-OF-SHARES-REDEEMED> 243592602
<SHARES-REINVESTED> 0
<NET-CHANGE-IN-ASSETS> 23573743
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (1459)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 634728
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 917112
<AVERAGE-NET-ASSETS> 293329516
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> .016
<PER-SHARE-GAIN-APPREC> 0
<PER-SHARE-DIVIDEND> .016
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> .29
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 042
<NAME> ARMADA TAX EXEMPT FUND - RETAIL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 371606074
<INVESTMENTS-AT-VALUE> 371606074
<RECEIVABLES> 2254910
<ASSETS-OTHER> 3781
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 373864765
<PAYABLE-FOR-SECURITIES> 1000000
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 1554704
<TOTAL-LIABILITIES> 2554704
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 371311520
<SHARES-COMMON-STOCK> 70735338
<SHARES-COMMON-PRIOR> 85928082
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (1459)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 70735288
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 6223454
<OTHER-INCOME> 0
<EXPENSES-NET> 554410
<NET-INVESTMENT-INCOME> 5669044
<REALIZED-GAINS-CURRENT> 0
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 5669044
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 1042966
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 213120219
<NUMBER-OF-SHARES-REDEEMED> 229359516
<SHARES-REINVESTED> 1046553
<NET-CHANGE-IN-ASSETS> 23573743
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (1459)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 634728
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 917112
<AVERAGE-NET-ASSETS> 68392956
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> .015
<PER-SHARE-GAIN-APPREC> 0
<PER-SHARE-DIVIDEND> .015
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> .39
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 081
<NAME> ARMADA EQUITY FUND - INSTITUTIONAL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 199658833
<INVESTMENTS-AT-VALUE> 235030668
<RECEIVABLES> 7485361
<ASSETS-OTHER> 3795
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 242519824
<PAYABLE-FOR-SECURITIES> 569350
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 791594
<TOTAL-LIABILITIES> 1360944
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 153858101
<SHARES-COMMON-STOCK> 11324776
<SHARES-COMMON-PRIOR> 9249651
<ACCUMULATED-NII-CURRENT> 208819
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 51720125
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 35371835
<NET-ASSETS> 234322321
<DIVIDEND-INCOME> 1311005
<INTEREST-INCOME> 155608
<OTHER-INCOME> 0
<EXPENSES-NET> 936364
<NET-INVESTMENT-INCOME> 530249
<REALIZED-GAINS-CURRENT> 35811935
<APPREC-INCREASE-CURRENT> (1590147)
<NET-CHANGE-FROM-OPS> 34752037
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 501355
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 6906652
<NUMBER-OF-SHARES-REDEEMED> 4833216
<SHARES-REINVESTED> 1689
<NET-CHANGE-IN-ASSETS> 68475516
<ACCUMULATED-NII-PRIOR> 189107
<ACCUMULATED-GAINS-PRIOR> 15908190
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 726137
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 936364
<AVERAGE-NET-ASSETS> 187155785
<PER-SHARE-NAV-BEGIN> 18.02
<PER-SHARE-NII> .05
<PER-SHARE-GAIN-APPREC> 2.67
<PER-SHARE-DIVIDEND> .05
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 20.69
<EXPENSE-RATIO> .96
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 082
<NAME> ARMADA EQUITY FUND - RETAIL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 199658833
<INVESTMENTS-AT-VALUE> 235030668
<RECEIVABLES> 7485361
<ASSETS-OTHER> 3795
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 242519824
<PAYABLE-FOR-SECURITIES> 569350
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 791594
<TOTAL-LIABILITIES> 1360944
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 153858101
<SHARES-COMMON-STOCK> 329869
<SHARES-COMMON-PRIOR> 333129
<ACCUMULATED-NII-CURRENT> 208819
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 51720125
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 35371835
<NET-ASSETS> 6836559
<DIVIDEND-INCOME> 1311005
<INTEREST-INCOME> 155608
<OTHER-INCOME> 0
<EXPENSES-NET> 936364
<NET-INVESTMENT-INCOME> 530249
<REALIZED-GAINS-CURRENT> 35811935
<APPREC-INCREASE-CURRENT> (1590147)
<NET-CHANGE-FROM-OPS> 34752037
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 9182
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 28379
<NUMBER-OF-SHARES-REDEEMED> 32138
<SHARES-REINVESTED> 499
<NET-CHANGE-IN-ASSETS> 68475516
<ACCUMULATED-NII-PRIOR> 189107
<ACCUMULATED-GAINS-PRIOR> 15908190
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 726137
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 936364
<AVERAGE-NET-ASSETS> 6128803
<PER-SHARE-NAV-BEGIN> 18.05
<PER-SHARE-NII> .03
<PER-SHARE-GAIN-APPREC> 2.68
<PER-SHARE-DIVIDEND> .03
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 20.73
<EXPENSE-RATIO> 1.21
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 091
<NAME> ARMADA FIXED INCOME FUND - INSTITUTIONAL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 109045782
<INVESTMENTS-AT-VALUE> 111035627
<RECEIVABLES> 6367348
<ASSETS-OTHER> 3558
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 117406534
<PAYABLE-FOR-SECURITIES> 4456927
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 642230
<TOTAL-LIABILITIES> 5099157
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 111762575
<SHARES-COMMON-STOCK> 10261522
<SHARES-COMMON-PRIOR> 10801748
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (1445043)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 1989845
<NET-ASSETS> 108410352
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 4135839
<OTHER-INCOME> 0
<EXPENSES-NET> 469994
<NET-INVESTMENT-INCOME> 3665895
<REALIZED-GAINS-CURRENT> 492735
<APPREC-INCREASE-CURRENT> 2727377
<NET-CHANGE-FROM-OPS> 6886007
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 3526350
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 5172250
<NUMBER-OF-SHARES-REDEEMED> 5737502
<SHARES-REINVESTED> 25026
<NET-CHANGE-IN-ASSETS> (5418408)
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (1937778)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 349115
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 501113
<AVERAGE-NET-ASSETS> 122207005
<PER-SHARE-NAV-BEGIN> 10.30
<PER-SHARE-NII> .30
<PER-SHARE-GAIN-APPREC> .26
<PER-SHARE-DIVIDEND> .30
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.56
<EXPENSE-RATIO> .73
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 092
<NAME> ARMADA FIXED INCOME FUND - RETAIL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 109045782
<INVESTMENTS-AT-VALUE> 111035627
<RECEIVABLES> 6367348
<ASSETS-OTHER> 3558
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 117406534
<PAYABLE-FOR-SECURITIES> 4456927
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 642230
<TOTAL-LIABILITIES> 5099157
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 111762575
<SHARES-COMMON-STOCK> 367062
<SHARES-COMMON-PRIOR> 600711
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (1445043)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 1989845
<NET-ASSETS> 3897025
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 4135839
<OTHER-INCOME> 0
<EXPENSES-NET> 469994
<NET-INVESTMENT-INCOME> 3665895
<REALIZED-GAINS-CURRENT> 492735
<APPREC-INCREASE-CURRENT> 2727377
<NET-CHANGE-FROM-OPS> 6886007
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 139545
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 477
<NUMBER-OF-SHARES-REDEEMED> 247177
<SHARES-REINVESTED> 13051
<NET-CHANGE-IN-ASSETS> (5418408)
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (1937778)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 349115
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 501113
<AVERAGE-NET-ASSETS> 4992916
<PER-SHARE-NAV-BEGIN> 10.35
<PER-SHARE-NII> .29
<PER-SHARE-GAIN-APPREC> .27
<PER-SHARE-DIVIDEND> .29
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.62
<EXPENSE-RATIO> 1.00
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 101
<NAME> ARMADA OHIO TAX EXEMPT FUND - INSTITUTIONAL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 88113560
<INVESTMENTS-AT-VALUE> 90427810
<RECEIVABLES> 1961331
<ASSETS-OTHER> 1013
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 92390154
<PAYABLE-FOR-SECURITIES> 1500134
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 362184
<TOTAL-LIABILITIES> 1862318
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 88195859
<SHARES-COMMON-STOCK> 7773694
<SHARES-COMMON-PRIOR> 7749732
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 17727
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 2314250
<NET-ASSETS> 85326843
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 2141184
<OTHER-INCOME> 0
<EXPENSES-NET> 104697
<NET-INVESTMENT-INCOME> 2036487
<REALIZED-GAINS-CURRENT> 25434
<APPREC-INCREASE-CURRENT> 2268452
<NET-CHANGE-FROM-OPS> 4330373
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 1915332
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 949346
<NUMBER-OF-SHARES-REDEEMED> 930121
<SHARES-REINVESTED> 4737
<NET-CHANGE-IN-ASSETS> 4773198
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (7707)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 238180
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 342877
<AVERAGE-NET-ASSETS> 81183892
<PER-SHARE-NAV-BEGIN> 10.70
<PER-SHARE-NII> .25
<PER-SHARE-GAIN-APPREC> .28
<PER-SHARE-DIVIDEND> .25
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.98
<EXPENSE-RATIO> .24
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 102
<NAME> ARMADA OHIO TAX EXEMPT FUND - RETAIL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 88113560
<INVESTMENTS-AT-VALUE> 90427810
<RECEIVABLES> 1961331
<ASSETS-OTHER> 1013
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 92390154
<PAYABLE-FOR-SECURITIES> 1500134
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 362184
<TOTAL-LIABILITIES> 1862318
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 88195859
<SHARES-COMMON-STOCK> 475557
<SHARES-COMMON-PRIOR> 269252
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 17727
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 2314250
<NET-ASSETS> 5200993
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 2141184
<OTHER-INCOME> 0
<EXPENSES-NET> 104697
<NET-INVESTMENT-INCOME> 2036487
<REALIZED-GAINS-CURRENT> 25434
<APPREC-INCREASE-CURRENT> 2268452
<NET-CHANGE-FROM-OPS> 4330373
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 121155
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 292450
<NUMBER-OF-SHARES-REDEEMED> 94697
<SHARES-REINVESTED> 8552
<NET-CHANGE-IN-ASSETS> 4773198
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (7707)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 238180
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 342877
<AVERAGE-NET-ASSETS> 5188205
<PER-SHARE-NAV-BEGIN> 10.66
<PER-SHARE-NII> .25
<PER-SHARE-GAIN-APPREC> .28
<PER-SHARE-DIVIDEND> .25
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.94
<EXPENSE-RATIO> .24
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 111
<NAME> ARMADA EQUITY INCOME FUND - INSTITUTIONAL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 75238066
<INVESTMENTS-AT-VALUE> 90906616
<RECEIVABLES> 590531
<ASSETS-OTHER> 16197
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 91513344
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 87805
<TOTAL-LIABILITIES> 87805
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 71883223
<SHARES-COMMON-STOCK> 6403761
<SHARES-COMMON-PRIOR> 4895028
<ACCUMULATED-NII-CURRENT> 375208
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 3498558
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 15668550
<NET-ASSETS> 91105472
<DIVIDEND-INCOME> 1232631
<INTEREST-INCOME> 108038
<OTHER-INCOME> (4755)
<EXPENSES-NET> 385733
<NET-INVESTMENT-INCOME> 950181
<REALIZED-GAINS-CURRENT> 1156381
<APPREC-INCREASE-CURRENT> 8703053
<NET-CHANGE-FROM-OPS> 10809615
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 913701
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 1843827
<NUMBER-OF-SHARES-REDEEMED> 362432
<SHARES-REINVESTED> 27338
<NET-CHANGE-IN-ASSETS> 29184498
<ACCUMULATED-NII-PRIOR> 341643
<ACCUMULATED-GAINS-PRIOR> 2342177
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 289855
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 385733
<AVERAGE-NET-ASSETS> 76792525
<PER-SHARE-NAV-BEGIN> 12.66
<PER-SHARE-NII> .14
<PER-SHARE-GAIN-APPREC> 1.58
<PER-SHARE-DIVIDEND> .15
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 14.23
<EXPENSE-RATIO> 1.00
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 112
<NAME> ARMADA EQUITY INCOME FUND - RETAIL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 75238066
<INVESTMENTS-AT-VALUE> 90906616
<RECEIVABLES> 590531
<ASSETS-OTHER> 16197
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 91513344
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 87805
<TOTAL-LIABILITIES> 87805
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 71883223
<SHARES-COMMON-STOCK> 22512
<SHARES-COMMON-PRIOR> 20796
<ACCUMULATED-NII-CURRENT> 375208
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 3498558
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 15668550
<NET-ASSETS> 320067
<DIVIDEND-INCOME> 1232631
<INTEREST-INCOME> 108038
<OTHER-INCOME> (4755)
<EXPENSES-NET> 385733
<NET-INVESTMENT-INCOME> 950181
<REALIZED-GAINS-CURRENT> 1156381
<APPREC-INCREASE-CURRENT> 8703053
<NET-CHANGE-FROM-OPS> 10809615
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 2915
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 1728
<NUMBER-OF-SHARES-REDEEMED> 238
<SHARES-REINVESTED> 226
<NET-CHANGE-IN-ASSETS> 29184498
<ACCUMULATED-NII-PRIOR> 341643
<ACCUMULATED-GAINS-PRIOR> 2342177
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 289855
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 385733
<AVERAGE-NET-ASSETS> 281023
<PER-SHARE-NAV-BEGIN> 12.65
<PER-SHARE-NII> .14
<PER-SHARE-GAIN-APPREC> 1.57
<PER-SHARE-DIVIDEND> .14
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 14.22
<EXPENSE-RATIO> 1.25
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 121
<NAME> ARMADA MID CAP REGIONAL EQUITY FUND - INSTITUTIONAL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 116101264
<INVESTMENTS-AT-VALUE> 130519709
<RECEIVABLES> 1626493
<ASSETS-OTHER> 15492
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 132161694
<PAYABLE-FOR-SECURITIES> 795613
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 138331
<TOTAL-LIABILITIES> 933944
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 106410663
<SHARES-COMMON-STOCK> 9029837
<SHARES-COMMON-PRIOR> 7579155
<ACCUMULATED-NII-CURRENT> 707943
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 9690699
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 14418445
<NET-ASSETS> 126968010
<DIVIDEND-INCOME> 1015914
<INTEREST-INCOME> 0
<OTHER-INCOME> 0
<EXPENSES-NET> 559476
<NET-INVESTMENT-INCOME> 456438
<REALIZED-GAINS-CURRENT> 5098719
<APPREC-INCREASE-CURRENT> 3395091
<NET-CHANGE-FROM-OPS> 8950248
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 1826101
<NUMBER-OF-SHARES-REDEEMED> 375419
<SHARES-REINVESTED> 0
<NET-CHANGE-IN-ASSETS> 27231676
<ACCUMULATED-NII-PRIOR> 251505
<ACCUMULATED-GAINS-PRIOR> 4591980
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 431040
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 559476
<AVERAGE-NET-ASSETS> 110339598
<PER-SHARE-NAV-BEGIN> 13.10
<PER-SHARE-NII> .04
<PER-SHARE-GAIN-APPREC> .92
<PER-SHARE-DIVIDEND> 0
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 14.06
<EXPENSE-RATIO> .96
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 122
<NAME> ARMADA MID CAP REGIONAL EQUITY FUND - RETAIL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 116101264
<INVESTMENTS-AT-VALUE> 130519709
<RECEIVABLES> 1626493
<ASSETS-OTHER> 15492
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 132161694
<PAYABLE-FOR-SECURITIES> 795613
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 138331
<TOTAL-LIABILITIES> 933944
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 106410663
<SHARES-COMMON-STOCK> 307035
<SHARES-COMMON-PRIOR> 363255
<ACCUMULATED-NII-CURRENT> 707943
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 9690699
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 14418445
<NET-ASSETS> 4259740
<DIVIDEND-INCOME> 1015914
<INTEREST-INCOME> 0
<OTHER-INCOME> 0
<EXPENSES-NET> 559476
<NET-INVESTMENT-INCOME> 456438
<REALIZED-GAINS-CURRENT> 5098719
<APPREC-INCREASE-CURRENT> 3395091
<NET-CHANGE-FROM-OPS> 8950248
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 17403
<NUMBER-OF-SHARES-REDEEMED> 73623
<SHARES-REINVESTED> 0
<NET-CHANGE-IN-ASSETS> 27231676
<ACCUMULATED-NII-PRIOR> 251505
<ACCUMULATED-GAINS-PRIOR> 4591980
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 431040
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 559476
<AVERAGE-NET-ASSETS> 4306984
<PER-SHARE-NAV-BEGIN> 12.94
<PER-SHARE-NII> .04
<PER-SHARE-GAIN-APPREC> .89
<PER-SHARE-DIVIDEND> 0
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 13.87
<EXPENSE-RATIO> 1.21
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 131
<NAME> ARMADA ENHANCED INCOME FUND - INSTITUTIONAL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 60805283
<INVESTMENTS-AT-VALUE> 61084735
<RECEIVABLES> 866600
<ASSETS-OTHER> 16549
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 61967884
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 139016
<TOTAL-LIABILITIES> 139016
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 61227244
<SHARES-COMMON-STOCK> 5912978
<SHARES-COMMON-PRIOR> 6687888
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 322172
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 279452
<NET-ASSETS> 59768104
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 1974187
<OTHER-INCOME> 0
<EXPENSES-NET> 66345
<NET-INVESTMENT-INCOME> 1907842
<REALIZED-GAINS-CURRENT> 138897
<APPREC-INCREASE-CURRENT> 515504
<NET-CHANGE-FROM-OPS> 2562243
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 1852882
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 2413149
<NUMBER-OF-SHARES-REDEEMED> 3303973
<SHARES-REINVESTED> 115914
<NET-CHANGE-IN-ASSETS> (6807054)
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 183275
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 152603
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 218948
<AVERAGE-NET-ASSETS> 66383625
<PER-SHARE-NAV-BEGIN> 10.01
<PER-SHARE-NII> .28
<PER-SHARE-GAIN-APPREC> .10
<PER-SHARE-DIVIDEND> .28
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.11
<EXPENSE-RATIO> .19
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 132
<NAME> ARMADA ENHANCED INCOME FUND - RETAIL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 60805283
<INVESTMENTS-AT-VALUE> 61084735
<RECEIVABLES> 866600
<ASSETS-OTHER> 16549
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 61967884
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 139016
<TOTAL-LIABILITIES> 139016
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 61227244
<SHARES-COMMON-STOCK> 203555
<SHARES-COMMON-PRIOR> 171392
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 322172
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 279452
<NET-ASSETS> 2060764
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 1974187
<OTHER-INCOME> 0
<EXPENSES-NET> 66345
<NET-INVESTMENT-INCOME> 1907842
<REALIZED-GAINS-CURRENT> 138897
<APPREC-INCREASE-CURRENT> 515504
<NET-CHANGE-FROM-OPS> 2562243
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 54960
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 117564
<NUMBER-OF-SHARES-REDEEMED> 90831
<SHARES-REINVESTED> 5430
<NET-CHANGE-IN-ASSETS> (6807054)
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 183275
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 152603
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 218948
<AVERAGE-NET-ASSETS> 2016521
<PER-SHARE-NAV-BEGIN> 10.02
<PER-SHARE-NII> .28
<PER-SHARE-GAIN-APPREC> .10
<PER-SHARE-DIVIDEND> .28
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.12
<EXPENSE-RATIO> .29
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 141
<NAME> ARMADA TOTAL RETURN ADVANTAGE FUND - INSTITUTIONAL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 273662686
<INVESTMENTS-AT-VALUE> 278986995
<RECEIVABLES> 5119471
<ASSETS-OTHER> 16035
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 284122501
<PAYABLE-FOR-SECURITIES> 2025941
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 1424257
<TOTAL-LIABILITIES> 3450198
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 273079003
<SHARES-COMMON-STOCK> 26942528
<SHARES-COMMON-PRIOR> 28393481
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 2268991
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 5324309
<NET-ASSETS> 278482637
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 9948937
<OTHER-INCOME> 0
<EXPENSES-NET> 219065
<NET-INVESTMENT-INCOME> 9729872
<REALIZED-GAINS-CURRENT> (1318580)
<APPREC-INCREASE-CURRENT> 14489642
<NET-CHANGE-FROM-OPS> 22900934
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 9662061
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 2783403
<NUMBER-OF-SHARES-REDEEMED> 4762654
<SHARES-REINVESTED> 528298
<NET-CHANGE-IN-ASSETS> (1768606)
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 3587571
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 794715
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1013780
<AVERAGE-NET-ASSETS> 286042267
<PER-SHARE-NAV-BEGIN> 9.88
<PER-SHARE-NII> .34
<PER-SHARE-GAIN-APPREC> .45
<PER-SHARE-DIVIDEND> .34
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.33
<EXPENSE-RATIO> .15
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 142
<NAME> ARMADA TOTAL RETURN ADVANTAGE FUND - RETAIL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 273662686
<INVESTMENTS-AT-VALUE> 278986995
<RECEIVABLES> 5119471
<ASSETS-OTHER> 16035
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 284122501
<PAYABLE-FOR-SECURITIES> 2025941
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 1424257
<TOTAL-LIABILITIES> 3450198
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 273079003
<SHARES-COMMON-STOCK> 211877
<SHARES-COMMON-PRIOR> 206613
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 2268991
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 5324309
<NET-ASSETS> 2189666
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 9948937
<OTHER-INCOME> 0
<EXPENSES-NET> 219065
<NET-INVESTMENT-INCOME> 9729872
<REALIZED-GAINS-CURRENT> (1318580)
<APPREC-INCREASE-CURRENT> 14489642
<NET-CHANGE-FROM-OPS> 22900934
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 67811
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 219
<NUMBER-OF-SHARES-REDEEMED> 1714
<SHARES-REINVESTED> 6759
<NET-CHANGE-IN-ASSETS> (1768606)
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 3587571
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 794715
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1013780
<AVERAGE-NET-ASSETS> 2083847
<PER-SHARE-NAV-BEGIN> 9.87
<PER-SHARE-NII> .32
<PER-SHARE-GAIN-APPREC> .46
<PER-SHARE-DIVIDEND> .32
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.33
<EXPENSE-RATIO> .40
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 151
<NAME> ARMADA INTERMEDIATE GOVERNMENT FUND - INSTITUTIONAL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 89475908
<INVESTMENTS-AT-VALUE> 90404545
<RECEIVABLES> 1042725
<ASSETS-OTHER> 17440
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 91464710
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 940085
<TOTAL-LIABILITIES> 940085
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 88961757
<SHARES-COMMON-STOCK> 8850031
<SHARES-COMMON-PRIOR> 8908905
<ACCUMULATED-NII-CURRENT> (5354)
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 639585
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 928637
<NET-ASSETS> 90501747
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 3039082
<OTHER-INCOME> 0
<EXPENSES-NET> 387119
<NET-INVESTMENT-INCOME> 2651963
<REALIZED-GAINS-CURRENT> (92879)
<APPREC-INCREASE-CURRENT> 2480339
<NET-CHANGE-FROM-OPS> 4971272
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 735642
<NUMBER-OF-SHARES-REDEEMED> 799505
<SHARES-REINVESTED> 4989
<NET-CHANGE-IN-ASSETS> 1695478
<ACCUMULATED-NII-PRIOR> (5384)
<ACCUMULATED-GAINS-PRIOR> 732464
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 289918
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 503380
<AVERAGE-NET-ASSETS> 91670480
<PER-SHARE-NAV-BEGIN> 9.97
<PER-SHARE-NII> .29
<PER-SHARE-GAIN-APPREC> .26
<PER-SHARE-DIVIDEND> .29
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.23
<EXPENSE-RATIO> .84
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 152
<NAME> ARMADA INTERMEDIATE GOVERNMENT FUND - RETAIL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 89475908
<INVESTMENTS-AT-VALUE> 90404545
<RECEIVABLES> 1042725
<ASSETS-OTHER> 17440
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 91464710
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 940085
<TOTAL-LIABILITIES> 940085
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 88961757
<SHARES-COMMON-STOCK> 2237
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> (5354)
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 639585
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 928637
<NET-ASSETS> 22878
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 3039082
<OTHER-INCOME> 0
<EXPENSES-NET> 387119
<NET-INVESTMENT-INCOME> 2651963
<REALIZED-GAINS-CURRENT> (92879)
<APPREC-INCREASE-CURRENT> 2480339
<NET-CHANGE-FROM-OPS> 4971272
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 4423
<NUMBER-OF-SHARES-REDEEMED> 2213
<SHARES-REINVESTED> 27
<NET-CHANGE-IN-ASSETS> 1695478
<ACCUMULATED-NII-PRIOR> (5384)
<ACCUMULATED-GAINS-PRIOR> 732464
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 289918
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 503380
<AVERAGE-NET-ASSETS> 22437
<PER-SHARE-NAV-BEGIN> 9.97
<PER-SHARE-NII> .12
<PER-SHARE-GAIN-APPREC> .26
<PER-SHARE-DIVIDEND> .12
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.23
<EXPENSE-RATIO> 1.07
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 161
<NAME> ARMADA GNMA FUND - INSTITUTIONAL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 61878195
<INVESTMENTS-AT-VALUE> 62800804
<RECEIVABLES> 470472
<ASSETS-OTHER> 18104
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 63289380
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 689454
<TOTAL-LIABILITIES> 689454
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 61139736
<SHARES-COMMON-STOCK> 6037266
<SHARES-COMMON-PRIOR> 6033136
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 537581
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 922609
<NET-ASSETS> 62476038
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 2326276
<OTHER-INCOME> 0
<EXPENSES-NET> 270296
<NET-INVESTMENT-INCOME> 2055980
<REALIZED-GAINS-CURRENT> (100173)
<APPREC-INCREASE-CURRENT> 2055944
<NET-CHANGE-FROM-OPS> 4011751
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 2053510
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 599099
<NUMBER-OF-SHARES-REDEEMED> 599799
<SHARES-REINVESTED> 4830
<NET-CHANGE-IN-ASSETS> 4011751
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 637754
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 198728
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 362937
<AVERAGE-NET-ASSETS> 62834467
<PER-SHARE-NAV-BEGIN> 10.03
<PER-SHARE-NII> .33
<PER-SHARE-GAIN-APPREC> .32
<PER-SHARE-DIVIDEND> .33
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.35
<EXPENSE-RATIO> .86
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 162
<NAME> ARMADA GNMA FUND - RETAIL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 61878195
<INVESTMENTS-AT-VALUE> 62800804
<RECEIVABLES> 470472
<ASSETS-OTHER> 18104
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 63289380
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 689454
<TOTAL-LIABILITIES> 689454
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 61139736
<SHARES-COMMON-STOCK> 11972
<SHARES-COMMON-PRIOR> 6033136
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 537581
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 922609
<NET-ASSETS> 6037266
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 2326276
<OTHER-INCOME> 0
<EXPENSES-NET> 270296
<NET-INVESTMENT-INCOME> 2055980
<REALIZED-GAINS-CURRENT> (100173)
<APPREC-INCREASE-CURRENT> 2055944
<NET-CHANGE-FROM-OPS> 4011751
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 1658
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 16415
<NUMBER-OF-SHARES-REDEEMED> 4597
<SHARES-REINVESTED> 154
<NET-CHANGE-IN-ASSETS> 4011751
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 637754
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 198728
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 362937
<AVERAGE-NET-ASSETS> 120751
<PER-SHARE-NAV-BEGIN> 10.02
<PER-SHARE-NII> .14
<PER-SHARE-GAIN-APPREC> .33
<PER-SHARE-DIVIDEND> .14
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.35
<EXPENSE-RATIO> 1.12
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 171
<NAME> ARMADA PENNSYLVANIA TAX EXEMPT FUND - INSTITUTIONAL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 73401500
<INVESTMENTS-AT-VALUE> 73401500
<RECEIVABLES> 532920
<ASSETS-OTHER> 8575
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 73942995
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 263703
<TOTAL-LIABILITIES> 263703
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 73682519
<SHARES-COMMON-STOCK> 69173327
<SHARES-COMMON-PRIOR> 3843129
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (3227)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 69170100
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 1254560
<OTHER-INCOME> 0
<EXPENSES-NET> 165234
<NET-INVESTMENT-INCOME> 1089326
<REALIZED-GAINS-CURRENT> 0
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 1089326
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 1066831
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 133726050
<NUMBER-OF-SHARES-REDEEMED> 133050161
<SHARES-REINVESTED> 22121
<NET-CHANGE-IN-ASSETS> 5207202
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (3227)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 150706
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 304537
<AVERAGE-NET-ASSETS> 68987088
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> .02
<PER-SHARE-GAIN-APPREC> 0
<PER-SHARE-DIVIDEND> .02
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> .47
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 172
<NAME> ARMADA PENNSYLVANIA TAX EXEMPT FUND - RETAIL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 73401500
<INVESTMENTS-AT-VALUE> 73401500
<RECEIVABLES> 532920
<ASSETS-OTHER> 8575
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 73942995
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 263703
<TOTAL-LIABILITIES> 263703
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 73682519
<SHARES-COMMON-STOCK> 4509192
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (3227)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 4509192
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 1254560
<OTHER-INCOME> 0
<EXPENSES-NET> 165234
<NET-INVESTMENT-INCOME> 1089326
<REALIZED-GAINS-CURRENT> 0
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 1089326
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 22495
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 12290073
<NUMBER-OF-SHARES-REDEEMED> 7784736
<SHARES-REINVESTED> 3855
<NET-CHANGE-IN-ASSETS> 5207202
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (3227)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 150706
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 304537
<AVERAGE-NET-ASSETS> 3180921
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> .01
<PER-SHARE-GAIN-APPREC> 0
<PER-SHARE-DIVIDEND> .01
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> .47
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 181
<NAME> ARMADA PENNSYLVANIA MUNICIPAL FUND - INSTITUTIONAL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 35682558
<INVESTMENTS-AT-VALUE> 36752585
<RECEIVABLES> 692648
<ASSETS-OTHER> 9747
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 37454980
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 258736
<TOTAL-LIABILITIES> 258736
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 35996626
<SHARES-COMMON-STOCK> 3595630
<SHARES-COMMON-PRIOR> 3843129
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 129591
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 1070027
<NET-ASSETS> 37110783
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 985846
<OTHER-INCOME> 0
<EXPENSES-NET> 165299
<NET-INVESTMENT-INCOME> 820547
<REALIZED-GAINS-CURRENT> 47509
<APPREC-INCREASE-CURRENT> 846353
<NET-CHANGE-FROM-OPS> 1714409
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 819754
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 158069
<NUMBER-OF-SHARES-REDEEMED> 405637
<SHARES-REINVESTED> 69
<NET-CHANGE-IN-ASSETS> (1536829)
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 82082
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 119353
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 218663
<AVERAGE-NET-ASSETS> 37564609
<PER-SHARE-NAV-BEGIN> 10.08
<PER-SHARE-NII> .22
<PER-SHARE-GAIN-APPREC> .24
<PER-SHARE-DIVIDEND> .22
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.32
<EXPENSE-RATIO> .88
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 182
<NAME> ARMADA PENNSYLVANIA MUNICIPAL FUND - RETAIL CLASS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAY-31-1997
<PERIOD-END> NOV-30-1996
<INVESTMENTS-AT-COST> 35682558
<INVESTMENTS-AT-VALUE> 36752585
<RECEIVABLES> 692648
<ASSETS-OTHER> 9747
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 37454980
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 258736
<TOTAL-LIABILITIES> 258736
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 35996626
<SHARES-COMMON-STOCK> 8280
<SHARES-COMMON-PRIOR> 3843129
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 129591
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 1070027
<NET-ASSETS> 85461
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 985846
<OTHER-INCOME> 0
<EXPENSES-NET> 165299
<NET-INVESTMENT-INCOME> 820547
<REALIZED-GAINS-CURRENT> 47509
<APPREC-INCREASE-CURRENT> 846353
<NET-CHANGE-FROM-OPS> 1714409
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 793
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 8249
<NUMBER-OF-SHARES-REDEEMED> 0
<SHARES-REINVESTED> 31
<NET-CHANGE-IN-ASSETS> (1536829)
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 82082
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 119353
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 218663
<AVERAGE-NET-ASSETS> 84257
<PER-SHARE-NAV-BEGIN> 10.13
<PER-SHARE-NII> .10
<PER-SHARE-GAIN-APPREC> .19
<PER-SHARE-DIVIDEND> .10
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.32
<EXPENSE-RATIO> 1.01
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>