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<PAGE> PAGE 2
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<PAGE> PAGE 3
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<PAGE> PAGE 4
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<PAGE> PAGE 5
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<PAGE> PAGE 6
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<PAGE> PAGE 7
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<PAGE> PAGE 8
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<PAGE> PAGE 9
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<PAGE> PAGE 10
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<PAGE> PAGE 11
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<PAGE> PAGE 12
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<PAGE> PAGE 13
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<PAGE> PAGE 14
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<PAGE> PAGE 15
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<PAGE> PAGE 16
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<PAGE> PAGE 17
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<PAGE> PAGE 18
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<PAGE> PAGE 19
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<PAGE> PAGE 20
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028 B040400 87830
028 C010400 117593
028 C020400 197
028 C030400 0
028 C040400 79763
028 D010400 141420
028 D020400 70
028 D030400 0
028 D040400 114934
028 E010400 153596
028 E020400 283
028 E030400 0
028 E040400 201179
028 F010400 64650
028 F020400 0
028 F030400 0
028 F040400 65936
028 G010400 718661
028 G020400 975
028 G030400 0
028 G040400 646619
028 H000400 0
<PAGE> PAGE 21
029 000400 N
030 A000400 0
030 B000400 0.00
030 C000400 0.00
031 A000400 0
031 B000400 0
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 209
044 000400 0
045 000400 Y
046 000400 N
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
<PAGE> PAGE 22
048 K020400 0.000
055 A000400 N
055 B000400 N
056 000400 Y
057 000400 N
058 A000400 N
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 100.4
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 0.3
063 A000400 35
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
<PAGE> PAGE 23
070 H010400 N
070 H020400 N
070 I010400 N
070 I020400 N
070 J010400 N
070 J020400 Y
070 K010400 Y
070 K020400 N
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 12
072 B000400 17905
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072 T000400 302
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072 W000400 26
072 X000400 2569
072 Y000400 990
<PAGE> PAGE 24
072 Z000400 16326
072AA000400 10
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072DD010400 13748
072DD020400 2665
072EE000400 0
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073 A020400 0.0322
073 B000400 0.0000
073 C000400 0.0000
074 A000400 759
074 B000400 0
074 C000400 554025
074 D000400 0
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074 I000400 1447
074 J000400 5700
074 K000400 0
074 L000400 3782
074 M000400 26
074 N000400 565739
074 O000400 12818
074 P000400 0
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074 R010400 0
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074 R040400 1420
074 S000400 0
074 T000400 551501
074 U010400 419030
074 U020400 132536
074 V010400 1.00
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074 W000400 1.0000
074 X000400 45
074 Y000400 0
075 A000400 550872
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
<PAGE> PAGE 25
015 A000801 NATIONAL CITY BANK
015 B000801 C
015 C010801 CLEVELAND
015 C020801 OH
015 C030801 44135
015 E030801 X
024 000800 N
028 A010800 7302
028 A020800 2366
028 A030800 0
028 A040800 6079
028 B010800 14799
028 B020800 0
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028 B040800 3315
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028 F020800 11
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029 000800 Y
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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
<PAGE> PAGE 26
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 116
044 000800 0
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046 000800 N
047 000800 Y
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048 B020800 0.000
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048 H010800 0
048 H020800 0.000
048 I010800 0
048 I020800 0.000
048 J010800 0
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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
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<PAGE> PAGE 27
062 F000800 0.0
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062 H000800 0.0
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062 O000800 0.0
062 P000800 0.0
062 Q000800 0.0
062 R000800 0.0
063 A000800 0
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 Y
070 B020800 N
070 C010800 N
070 C020800 N
070 D010800 Y
070 D020800 N
070 E010800 N
070 E020800 N
070 F010800 Y
070 F020800 N
070 G010800 Y
070 G020800 N
070 H010800 Y
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
<PAGE> PAGE 28
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 806788
071 B000800 778096
071 C000800 299701
071 D000800 260
072 A000800 12
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072EE000800 33518
073 A010800 0.0056
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<PAGE> PAGE 29
073 C000800 0.0000
074 A000800 6
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074 R040800 889
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074 T000800 364817
074 U010800 16506
074 U020800 580
074 V010800 21.35
074 V020800 21.35
074 W000800 0.0000
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074 Y000800 0
075 A000800 0
075 B000800 319411
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
015 A000901 NATIONAL CITY BANK
015 B000901 C
015 C010901 CLEVELAND
015 C020901 OH
015 C030901 44135
015 E030901 X
024 000900 N
028 A010900 6450
028 A020900 916
028 A030900 0
028 A040900 4124
<PAGE> PAGE 30
028 B010900 10224
028 B020900 175
028 B030900 0
028 B040900 1833
028 C010900 9011
028 C020900 175
028 C030900 0
028 C040900 6470
028 D010900 34604
028 D020900 172
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028 D040900 33151
028 E010900 7693
028 E020900 192
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028 F010900 5775
028 F020900 220
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028 F040900 6440
028 G010900 73757
028 G020900 1850
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029 000900 Y
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032 000900 0
033 000900 0
034 000900 N
035 000900 0
036 B000900 0
037 000900 N
038 000900 0
039 000900 N
040 000900 Y
041 000900 Y
042 A000900 0
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042 C000900 0
042 D000900 0
042 E000900 0
042 F000900 0
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042 H000900 100
043 000900 52
044 000900 0
<PAGE> PAGE 31
045 000900 Y
046 000900 N
047 000900 Y
048 000900 0.550
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048 I010900 0
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048 J010900 0
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048 K020900 0.000
055 A000900 N
055 B000900 N
056 000900 Y
057 000900 N
058 A000900 N
059 000900 Y
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062 P000900 30.6
<PAGE> PAGE 32
062 Q000900 29.9
062 R000900 1.6
063 A000900 0
063 B000900 9.8
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
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 131202
071 B000900 68918
071 C000900 140978
071 D000900 160
<PAGE> PAGE 33
072 A000900 12
072 B000900 9456
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<PAGE> PAGE 34
074 O000900 8211
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075 B000900 148647
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
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 3169
028 A021000 27
028 A031000 0
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028 B011000 3352
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028 D021000 23
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028 D041000 1917
028 E011000 60536
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028 E031000 0
<PAGE> PAGE 35
028 E041000 2505
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<PAGE> PAGE 36
048 F021000 0.000
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063 B001000 6.5
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
<PAGE> PAGE 37
070 C011000 N
070 C021000 N
070 D011000 N
070 D021000 N
070 E011000 N
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070 F011000 N
070 F021000 N
070 G011000 N
070 G021000 N
070 H011000 N
070 H021000 N
070 I011000 N
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070 J021000 N
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070 M011000 N
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<PAGE> PAGE 38
072 P001000 0
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<PAGE> PAGE 39
074 Y001000 0
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008 A001101 NATIONAL CITY BANK
008 B001101 A
008 C001101 801-0000
008 D011101 CLEVELAND
008 D021101 OH
008 D031101 44114
015 A001101 NATIONAL CITY BANK
015 B001101 C
015 C011101 CLEVELAND
015 C021101 OH
015 C031101 44135
015 E031101 X
015 A001102 UNION BANK OF CALIFORNIA
015 B001102 S
015 C011102 SAN FRANCISCO
015 C021102 CA
015 C031102 94111
015 E041102 X
024 001100 N
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<PAGE> PAGE 40
028 H001100 1864
029 001100 Y
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<PAGE> PAGE 41
048 K011100 0
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055 A001100 N
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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
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 Y
070 B021100 N
070 C011100 N
070 C021100 N
070 D011100 Y
070 D021100 N
070 E011100 N
<PAGE> PAGE 42
070 E021100 N
070 F011100 Y
070 F021100 N
070 G011100 Y
070 G021100 N
070 H011100 Y
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 N
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 62080
071 B001100 28021
071 C001100 156099
071 D001100 18
072 A001100 12
072 B001100 120
072 C001100 4881
072 D001100 0
072 E001100 0
072 F001100 1237
072 G001100 160
072 H001100 0
072 I001100 72
072 J001100 27
072 K001100 0
072 L001100 9
072 M001100 3
072 N001100 28
072 O001100 12
072 P001100 0
072 Q001100 0
072 R001100 14
072 S001100 14
072 T001100 95
<PAGE> PAGE 43
072 U001100 4
072 V001100 0
072 W001100 25
072 X001100 1700
072 Y001100 0
072 Z001100 3301
072AA001100 6437
072BB001100 0
072CC011100 25959
072CC021100 0
072DD011100 3144
072DD021100 14
072EE001100 7245
073 A011100 0.3245
073 A021100 0.2907
073 B001100 0.0000
073 C001100 0.0000
074 A001100 56
074 B001100 0
074 C001100 0
074 D001100 0
074 E001100 5039
074 F001100 183694
074 G001100 0
074 H001100 0
074 I001100 5965
074 J001100 0
074 K001100 0
074 L001100 1769
074 M001100 11
074 N001100 196534
074 O001100 0
074 P001100 0
074 Q001100 0
074 R011100 0
074 R021100 0
074 R031100 0
074 R041100 457
074 S001100 0
074 T001100 196077
074 U011100 11062
074 U021100 123
074 V011100 17.53
074 V021100 17.51
074 W001100 0.0000
074 X001100 1972
074 Y001100 0
075 A001100 0
075 B001100 183246
076 001100 0.00
008 A001201 NATIONAL CITY BANK
<PAGE> PAGE 44
008 B001201 A
008 C001201 801-0000
008 D011201 CLEVELAND
008 D021201 OH
008 D031201 44114
015 A001201 NATIONAL CITY BANK
015 B001201 C
015 C011201 CLEVELAND
015 C021201 OH
015 C031201 44135
015 E031201 X
024 001200 N
028 A011200 7733
028 A021200 16288
028 A031200 0
028 A041200 4461
028 B011200 15872
028 B021200 0
028 B031200 0
028 B041200 3150
028 C011200 15405
028 C021200 0
028 C031200 0
028 C041200 8851
028 D011200 10602
028 D021200 0
028 D031200 0
028 D041200 4517
028 E011200 10331
028 E021200 0
028 E031200 0
028 E041200 5283
028 F011200 7332
028 F021200 8
028 F031200 0
028 F041200 3516
028 G011200 67275
028 G021200 16296
028 G031200 0
028 G041200 29778
028 H001200 4894
029 001200 Y
030 A001200 37
030 B001200 3.75
030 C001200 0.00
031 A001200 37
031 B001200 0
032 001200 0
033 001200 0
034 001200 N
035 001200 0
<PAGE> PAGE 45
036 B001200 0
037 001200 N
038 001200 0
039 001200 N
040 001200 Y
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 97
044 001200 0
045 001200 Y
046 001200 N
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
<PAGE> PAGE 46
062 A001200 N
062 B001200 0.0
062 C001200 0.0
062 D001200 0.0
062 E001200 0.0
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
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 Y
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 Y
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
<PAGE> PAGE 47
070 L011200 Y
070 L021200 N
070 M011200 N
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 278606
071 B001200 228024
071 C001200 255502
071 D001200 89
072 A001200 12
072 B001200 34
072 C001200 3645
072 D001200 0
072 E001200 0
072 F001200 1989
072 G001200 244
072 H001200 0
072 I001200 73
072 J001200 38
072 K001200 0
072 L001200 8
072 M001200 6
072 N001200 34
072 O001200 3
072 P001200 0
072 Q001200 0
072 R001200 16
072 S001200 15
072 T001200 158
072 U001200 4
072 V001200 0
072 W001200 18
072 X001200 2606
072 Y001200 0
072 Z001200 1073
072AA001200 49934
072BB001200 0
072CC011200 0
072CC021200 9363
072DD011200 1145
072DD021200 19
072EE001200 35475
<PAGE> PAGE 48
073 A011200 0.0760
073 A021200 0.0760
073 B001200 0.0000
073 C001200 0.0000
074 A001200 33
074 B001200 0
074 C001200 0
074 D001200 0
074 E001200 1973
074 F001200 284393
074 G001200 0
074 H001200 0
074 I001200 4974
074 J001200 9959
074 K001200 0
074 L001200 1130
074 M001200 24
074 N001200 302486
074 O001200 6215
074 P001200 0
074 Q001200 0
074 R011200 0
074 R021200 0
074 R031200 0
074 R041200 1281
074 S001200 0
074 T001200 294990
074 U011200 18087
074 U021200 687
074 V011200 15.72
074 V021200 15.47
074 W001200 0.0000
074 X001200 1684
074 Y001200 0
075 A001200 0
075 B001200 265281
076 001200 0.00
008 A001301 NATIONAL ASSET MANAGEMENT CORPORATION
008 B001301 A
008 C001301 801-0000
008 D011301 LOUISVILLE
008 D021301 KY
008 D031301 40202
015 A001301 NATIONAL CITY BANK
015 B001301 C
015 C011301 CLEVELAND
015 C021301 OH
015 C031301 44135
015 E031301 X
024 001300 N
028 A011300 5450
<PAGE> PAGE 49
028 A021300 267
028 A031300 0
028 A041300 3838
028 B011300 12531
028 B021300 216
028 B031300 0
028 B041300 3313
028 C011300 3043
028 C021300 216
028 C031300 0
028 C041300 4765
028 D011300 2442
028 D021300 199
028 D031300 0
028 D041300 8571
028 E011300 5844
028 E021300 209
028 E031300 0
028 E041300 4381
028 F011300 2807
028 F021300 206
028 F031300 0
028 F041300 8771
028 G011300 32117
028 G021300 1313
028 G031300 0
028 G041300 33639
028 H001300 1961
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 N
042 A001300 0
042 B001300 0
042 C001300 0
042 D001300 0
042 E001300 0
042 F001300 0
042 G001300 0
<PAGE> PAGE 50
042 H001300 0
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
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 14.7
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 33.0
<PAGE> PAGE 51
062 N001300 3.4
062 O001300 0.0
062 P001300 17.8
062 Q001300 28.9
062 R001300 2.2
063 A001300 0
063 B001300 3.5
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
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 41595
<PAGE> PAGE 52
071 B001300 43302
071 C001300 69686
071 D001300 135
072 A001300 12
072 B001300 4426
072 C001300 0
072 D001300 0
072 E001300 0
072 F001300 331
072 G001300 72
072 H001300 0
072 I001300 36
072 J001300 16
072 K001300 0
072 L001300 2
072 M001300 2
072 N001300 15
072 O001300 0
072 P001300 0
072 Q001300 0
072 R001300 6
072 S001300 6
072 T001300 11
072 U001300 4
072 V001300 0
072 W001300 10
072 X001300 511
072 Y001300 265
072 Z001300 4180
072AA001300 143
072BB001300 0
072CC011300 411
072CC021300 0
072DD011300 4063
072DD021300 114
072EE001300 75
073 A011300 0.5713
073 A021300 0.5621
073 B001300 0.0000
073 C001300 0.0000
074 A001300 851
074 B001300 0
074 C001300 10636
074 D001300 58230
074 E001300 0
074 F001300 0
074 G001300 0
074 H001300 0
074 I001300 0
074 J001300 3308
074 K001300 0
<PAGE> PAGE 53
074 L001300 2323
074 M001300 19
074 N001300 75367
074 O001300 2514
074 P001300 0
074 Q001300 0
074 R011300 0
074 R021300 0
074 R031300 0
074 R041300 406
074 S001300 0
074 T001300 72447
074 U011300 7145
074 U021300 55
074 V011300 10.06
074 V021300 10.08
074 W001300 0.0000
074 X001300 564
074 Y001300 0
075 A001300 0
075 B001300 73528
076 001300 0.00
008 A001401 NATIONAL ASSET MANAGEMENT CORPORATION
008 B001401 A
008 C001401 801-0000
008 D011401 LOUISVILLE
008 D021401 KY
008 D031401 40202
015 A001401 NATIONAL CITY BANK
015 B001401 C
015 C011401 CLEVELAND
015 C021401 OH
015 C031401 44135
015 E031401 X
015 A001402 UNION BANK OF CALIFORNIA
015 B001402 S
015 C011402 SAN FRANCISCO
015 C021402 CA
015 C031402 94111
015 E041402 X
024 001400 N
028 A011400 6142
028 A021400 877
028 A031400 0
028 A041400 14197
028 B011400 8608
028 B021400 910
028 B031400 0
028 B041400 2758
028 C011400 8131
028 C021400 855
<PAGE> PAGE 54
028 C031400 0
028 C041400 6017
028 D011400 7051
028 D021400 807
028 D031400 0
028 D041400 6086
028 E011400 9348
028 E021400 886
028 E031400 0
028 E041400 2145
028 F011400 11286
028 F021400 926
028 F031400 0
028 F041400 2348
028 G011400 50566
028 G021400 5261
028 G031400 0
028 G041400 33551
028 H001400 651
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
039 001400 N
040 001400 Y
041 001400 N
042 A001400 0
042 B001400 0
042 C001400 0
042 D001400 0
042 E001400 0
042 F001400 0
042 G001400 0
042 H001400 0
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
<PAGE> PAGE 55
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
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 18.9
062 N001400 18.8
062 O001400 0.0
062 P001400 35.4
062 Q001400 23.3
062 R001400 3.6
063 A001400 0
063 B001400 13.2
064 A001400 N
064 B001400 N
<PAGE> PAGE 56
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
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 224560
071 B001400 189733
071 C001400 274038
071 D001400 170
072 A001400 12
072 B001400 18646
072 C001400 0
072 D001400 0
072 E001400 0
072 F001400 1538
<PAGE> PAGE 57
072 G001400 255
072 H001400 0
072 I001400 34
072 J001400 40
072 K001400 0
072 L001400 11
072 M001400 7
072 N001400 13
072 O001400 0
072 P001400 0
072 Q001400 0
072 R001400 13
072 S001400 12
072 T001400 60
072 U001400 4
072 V001400 0
072 W001400 20
072 X001400 2007
072 Y001400 1133
072 Z001400 17772
072AA001400 2672
072BB001400 0
072CC011400 7028
072CC021400 0
072DD011400 17637
072DD021400 125
072EE001400 0
073 A011400 0.6400
073 A021400 0.6146
073 B001400 0.0000
073 C001400 0.0000
074 A001400 3007
074 B001400 0
074 C001400 0
074 D001400 276366
074 E001400 0
074 F001400 0
074 G001400 0
074 H001400 0
074 I001400 10562
074 J001400 15393
074 K001400 0
074 L001400 4741
074 M001400 30
074 N001400 310099
074 O001400 11341
074 P001400 0
074 Q001400 0
074 R011400 0
074 R021400 0
074 R031400 0
<PAGE> PAGE 58
074 R041400 2043
074 S001400 0
074 T001400 296715
074 U011400 28878
074 U021400 63
074 V011400 10.25
074 V021400 10.25
074 W001400 0.0000
074 X001400 257
074 Y001400 0
075 A001400 0
075 B001400 282342
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
015 A001501 NATIONAL CITY BANK
015 B001501 C
015 C011501 CLEVELAND
015 C021501 OH
015 C031501 44135
015 E031501 X
024 001500 N
028 A011500 1485
028 A021500 7
028 A031500 0
028 A041500 1316
028 B011500 25574
028 B021500 7
028 B031500 0
028 B041500 1391
028 C011500 2163
028 C021500 6
028 C031500 0
028 C041500 1443
028 D011500 3212
028 D021500 7
028 D031500 0
028 D041500 950
028 E011500 11157
028 E021500 10
028 E031500 0
028 E041500 1362
028 F011500 1810
028 F021500 32
028 F031500 0
028 F041500 759
028 G011500 45401
<PAGE> PAGE 59
028 G021500 69
028 G031500 0
028 G041500 7221
028 H001500 224
029 001500 Y
030 A001500 1
030 B001500 3.75
030 C001500 0.00
031 A001500 1
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 0
043 001500 38
044 001500 0
055 A001500 Y
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
<PAGE> PAGE 60
062 M001500 23.4
062 N001500 14.4
062 O001500 0.0
062 P001500 32.0
062 Q001500 28.8
062 R001500 1.9
063 A001500 0
063 B001500 14.0
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
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 N
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
<PAGE> PAGE 61
071 A001500 77330
071 B001500 19193
071 C001500 103987
071 D001500 220
072 A001500 12
072 B001500 6836
072 C001500 0
072 D001500 0
072 E001500 0
072 F001500 574
072 G001500 102
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072 I001500 36
072 J001500 21
072 K001500 0
072 L001500 3
072 M001500 2
072 N001500 7
072 O001500 0
072 P001500 0
072 Q001500 0
072 R001500 8
072 S001500 8
072 T001500 61
072 U001500 0
072 V001500 0
072 W001500 20
072 X001500 842
072 Y001500 0
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<PAGE> PAGE 62
074 K001500 0
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075 A001500 0
075 B001500 104736
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008 A001601 NATIONAL CITY BANK
008 B001601 A
008 C001601 801-0000
008 D011601 CLEVELAND
008 D021601 OH
008 D031601 44114
015 A001601 NATIONAL CITY BANK
015 B001601 C
015 C011601 CLEVELAND
015 C021601 OH
015 C031601 44135
015 E031601 X
024 001600 N
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028 A021600 33
028 A031600 0
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028 B011600 5703
028 B021600 10
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<PAGE> PAGE 63
028 D041600 751
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031 B001600 0
032 001600 0
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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 26
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<PAGE> PAGE 64
048 D021600 0.000
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048 F011600 0
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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
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062 B001600 0.0
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062 O001600 0.0
062 P001600 10.5
062 Q001600 0.0
062 R001600 1.8
063 A001600 0
063 B001600 5.8
064 A001600 N
064 B001600 N
066 A001600 N
067 001600 N
068 A001600 N
068 B001600 N
069 001600 N
<PAGE> PAGE 65
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 6509
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<PAGE> PAGE 66
072 L001600 0
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074 U021600 53
<PAGE> PAGE 67
074 V011600 10.36
074 V021600 10.36
074 W001600 0.0000
074 X001600 436
074 Y001600 0
075 A001600 0
075 B001600 71968
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
015 A001701 NATIONAL CITY BANK
015 B001701 C
015 C011701 CLEVELAND
015 C021701 OH
015 C031701 44135
015 E031701 X
024 001700 N
028 A011700 23207
028 A021700 23
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028 A041700 22671
028 B011700 19220
028 B021700 35
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028 C011700 11996
028 C021700 37
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028 F041700 1341
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028 G021700 153
028 G031700 17334
028 G041700 109793
028 H001700 0
029 001700 N
<PAGE> PAGE 68
030 A001700 0
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030 C001700 0.00
031 A001700 0
031 B001700 0
032 001700 0
033 001700 0
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
042 E001700 0
042 F001700 0
042 G001700 0
042 H001700 100
043 001700 39
044 001700 0
045 001700 Y
046 001700 N
047 001700 Y
048 001700 0.400
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048 B011700 0
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048 G011700 0
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048 I021700 0.000
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<PAGE> PAGE 69
055 A001700 N
055 B001700 N
056 001700 Y
057 001700 N
058 A001700 N
059 001700 Y
060 A001700 Y
060 B001700 Y
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063 A001700 37
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
<PAGE> PAGE 70
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
070 R011700 N
070 R021700 N
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<PAGE> PAGE 71
072AA001700 0
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074 U011700 73249
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074 W001700 0.9999
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075 A001700 106639
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
015 A001801 NATIONAL CITY BANK
<PAGE> PAGE 72
015 B001801 C
015 C011801 CLEVELAND
015 C021801 OH
015 C031801 44135
015 E031801 X
024 001800 N
028 A011800 320
028 A021800 2
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028 A041800 621
028 B011800 90
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028 C011800 1109
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029 001800 Y
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032 001800 0
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035 001800 0
036 B001800 0
037 001800 N
038 001800 0
039 001800 N
040 001800 Y
041 001800 Y
<PAGE> PAGE 73
042 A001800 0
042 B001800 0
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055 A001800 Y
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056 001800 Y
057 001800 N
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<PAGE> PAGE 74
062 G001800 0.0
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062 O001800 97.2
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064 A001800 Y
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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
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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
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070 M021800 N
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<PAGE> PAGE 75
070 P011800 Y
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<PAGE> PAGE 76
074 E001800 0
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008 A001901 NATIONAL ASSET MANAGEMENT CORPORATION
008 B001901 A
008 C001901 801-0000
008 D011901 LOUISVILLE
008 D021901 KY
008 D031901 40202
015 A001901 NATIONAL CITY BANK
015 B001901 C
015 C011901 CLEVELAND
015 C021901 OH
015 C031901 44135
015 E031901 X
024 001900 N
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<PAGE> PAGE 77
028 C021900 0
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<PAGE> PAGE 78
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<PAGE> PAGE 79
066 B001900 N
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<PAGE> PAGE 80
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<PAGE> PAGE 81
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008 A002001 NATIONAL CITY BANK
008 B002001 A
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008 D012001 CLEVELAND
008 D022001 OH
008 D032001 44114
008 A002002 WELLINGTON MANAGEMENT COMPANY
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008 D032002 02109
015 A002001 NATIONAL CITY BANK
015 B002001 C
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015 C032001 44135
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024 002000 N
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<PAGE> PAGE 82
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<PAGE> PAGE 83
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<PAGE> PAGE 84
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<PAGE> PAGE 85
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<PAGE> PAGE 86
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<PAGE> PAGE 87
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<PAGE> PAGE 88
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<PAGE> PAGE 89
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<PAGE> PAGE 90
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<PAGE> PAGE 91
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<PAGE> PAGE 92
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<PAGE> PAGE 93
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<PAGE> PAGE 94
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<PAGE> PAGE 95
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<PAGE> PAGE 96
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<PAGE> PAGE 97
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<PAGE> PAGE 98
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<PAGE> PAGE 99
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<PAGE> PAGE 100
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SIGNATURE CAROL ROONEY
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<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 112
<NAME> EQUITY INCOME FUND CLASS B
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> MAY-31-1998
<PERIOD-START> JUN-01-1997
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 120
<NAME> SMALL CAP VALUE INSTITUTIONAL CLASS
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> MAY-31-1998
<PERIOD-START> JUN-01-1997
<PERIOD-END> MAY-31-1998
<INVESTMENTS-AT-COST> 271739
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<ACCUMULATED-NII-CURRENT> 423
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<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 19601
<NET-ASSETS> 294990
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<EXPENSES-NET> (2603)
<NET-INVESTMENT-INCOME> 1073
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<APPREC-INCREASE-CURRENT> (9288)
<NET-CHANGE-FROM-OPS> 41644
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<NUMBER-OF-SHARES-SOLD> 6633
<NUMBER-OF-SHARES-REDEEMED> (2710)
<SHARES-REINVESTED> 1006
<NET-CHANGE-IN-ASSETS> 90750
<ACCUMULATED-NII-PRIOR> 256
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<OVERDISTRIB-NII-PRIOR> 0
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<GROSS-ADVISORY-FEES> 1989
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<GROSS-EXPENSE> 2663
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<PER-SHARE-NAV-BEGIN> 15.15
<PER-SHARE-NII> .06
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<PER-SHARE-DIVIDEND> (.07)
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<PER-SHARE-NAV-END> 15.72
<EXPENSE-RATIO> .98
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 121
<NAME> SMALL CAP VALUE FUND RETAIL CLASS
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> MAY-31-1998
<PERIOD-START> JUN-01-1997
<PERIOD-END> MAY-31-1998
<INVESTMENTS-AT-COST> 271739
<INVESTMENTS-AT-VALUE> 291340
<RECEIVABLES> 11089
<ASSETS-OTHER> 24
<OTHER-ITEMS-ASSETS> 35
<TOTAL-ASSETS> 302486
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<SENIOR-EQUITY> 0
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<SHARES-COMMON-STOCK> 687
<SHARES-COMMON-PRIOR> 0
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<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 23861
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 19601
<NET-ASSETS> 294990
<DIVIDEND-INCOME> 3645
<INTEREST-INCOME> 34
<OTHER-INCOME> (3)
<EXPENSES-NET> (2603)
<NET-INVESTMENT-INCOME> 1073
<REALIZED-GAINS-CURRENT> 49850
<APPREC-INCREASE-CURRENT> (9288)
<NET-CHANGE-FROM-OPS> 41644
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<DISTRIBUTIONS-OF-INCOME> (19)
<DISTRIBUTIONS-OF-GAINS> (1000)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 367
<NUMBER-OF-SHARES-REDEEMED> (71)
<SHARES-REINVESTED> 61
<NET-CHANGE-IN-ASSETS> 90750
<ACCUMULATED-NII-PRIOR> 256
<ACCUMULATED-GAINS-PRIOR> 1836
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
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<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 2603
<AVERAGE-NET-ASSETS> 0
<PER-SHARE-NAV-BEGIN> 14.95
<PER-SHARE-NII> .01
<PER-SHARE-GAIN-APPREC> 2.84
<PER-SHARE-DIVIDEND> (.04)
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<PER-SHARE-NAV-END> 15.47
<EXPENSE-RATIO> 1.23
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 122
<NAME> SMALL CAP VALUE CLASS B
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> MAY-31-1998
<PERIOD-START> JUN-01-1997
<PERIOD-END> MAY-31-1998
<INVESTMENTS-AT-COST> 271739
<INVESTMENTS-AT-VALUE> 291340
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<ASSETS-OTHER> 24
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<TOTAL-ASSETS> 302486
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<TOTAL-LIABILITIES> 7496
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 54
<SHARES-COMMON-STOCK> 4
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 423
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 23861
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 19601
<NET-ASSETS> 294990
<DIVIDEND-INCOME> 3645
<INTEREST-INCOME> 34
<OTHER-INCOME> (3)
<EXPENSES-NET> (2603)
<NET-INVESTMENT-INCOME> 1073
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<APPREC-INCREASE-CURRENT> (9288)
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<SHARES-REINVESTED> 0
<NET-CHANGE-IN-ASSETS> 90750
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<ACCUMULATED-GAINS-PRIOR> 1836
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 1989
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<PER-SHARE-NAV-BEGIN> 15.28
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<EXPENSE-RATIO> 1.92
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 130
<NAME> ENHANCED INCOME FUND INSTITUTIONAL CLASS
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> MAY-31-1998
<PERIOD-START> JUN-01-1997
<PERIOD-END> MAY-31-1998
<INVESTMENTS-AT-COST> 70158
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<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 72111
<SHARES-COMMON-STOCK> 7145
<SHARES-COMMON-PRIOR> 26204
<ACCUMULATED-NII-CURRENT> 3
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<ACCUMULATED-NET-GAINS> 53
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 280
<NET-ASSETS> 72447
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 4426
<OTHER-INCOME> 0
<EXPENSES-NET> (246)
<NET-INVESTMENT-INCOME> 4180
<REALIZED-GAINS-CURRENT> 143
<APPREC-INCREASE-CURRENT> 411
<NET-CHANGE-FROM-OPS> 4734
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (4063)
<DISTRIBUTIONS-OF-GAINS> (73)
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<NUMBER-OF-SHARES-SOLD> 6108
<NUMBER-OF-SHARES-REDEEMED> (5302)
<SHARES-REINVESTED> 227
<NET-CHANGE-IN-ASSETS> 10857
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (15)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 331
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 511
<AVERAGE-NET-ASSETS> 73521
<PER-SHARE-NAV-BEGIN> 9.99
<PER-SHARE-NII> .57
<PER-SHARE-GAIN-APPREC> .08
<PER-SHARE-DIVIDEND> (.57)
<PER-SHARE-DISTRIBUTIONS> (.01)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.06
<EXPENSE-RATIO> .33
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 131
<NAME> ENHANCED INCOME RETAIL CLASS
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> MAY-31-1998
<PERIOD-START> JUN-01-1997
<PERIOD-END> MAY-31-1998
<INVESTMENTS-AT-COST> 70158
<INVESTMENTS-AT-VALUE> 70438
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<TOTAL-ASSETS> 75367
<PAYABLE-FOR-SECURITIES> (2514)
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<OTHER-ITEMS-LIABILITIES> (406)
<TOTAL-LIABILITIES> (2920)
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 72111
<SHARES-COMMON-STOCK> 55
<SHARES-COMMON-PRIOR> 221
<ACCUMULATED-NII-CURRENT> 3
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<ACCUMULATED-NET-GAINS> 53
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 280
<NET-ASSETS> 72447
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 4426
<OTHER-INCOME> 0
<EXPENSES-NET> (246)
<NET-INVESTMENT-INCOME> 4180
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<APPREC-INCREASE-CURRENT> 411
<NET-CHANGE-FROM-OPS> 4734
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (114)
<DISTRIBUTIONS-OF-GAINS> (2)
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<NUMBER-OF-SHARES-SOLD> 195
<NUMBER-OF-SHARES-REDEEMED> (356)
<SHARES-REINVESTED> 12
<NET-CHANGE-IN-ASSETS> (1492)
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<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 511
<AVERAGE-NET-ASSETS> 73521
<PER-SHARE-NAV-BEGIN> 10.00
<PER-SHARE-NII> .57
<PER-SHARE-GAIN-APPREC> .09
<PER-SHARE-DIVIDEND> (.57)
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<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.08
<EXPENSE-RATIO> .41
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 140
<NAME> TOTAL RETURN ADVANTAGE FUND INSTITUTIONAL CLASS
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> MAY-31-1998
<PERIOD-START> JUN-01-1997
<PERIOD-END> MAY-31-1998
<INVESTMENTS-AT-COST> 281215
<INVESTMENTS-AT-VALUE> 286928
<RECEIVABLES> 19194
<ASSETS-OTHER> 3037
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<TOTAL-ASSETS> 309159
<PAYABLE-FOR-SECURITIES> (11341)
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> (1103)
<TOTAL-LIABILITIES> (12444)
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 291531
<SHARES-COMMON-STOCK> 28878
<SHARES-COMMON-PRIOR> 26204
<ACCUMULATED-NII-CURRENT> 10
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (539)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 5713
<NET-ASSETS> 296715
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 18646
<OTHER-INCOME> 0
<EXPENSES-NET> (874)
<NET-INVESTMENT-INCOME> 17772
<REALIZED-GAINS-CURRENT> 2672
<APPREC-INCREASE-CURRENT> 7028
<NET-CHANGE-FROM-OPS> 27472
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (17637)
<DISTRIBUTIONS-OF-GAINS> 0
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<NUMBER-OF-SHARES-SOLD> 8225
<NUMBER-OF-SHARES-REDEEMED> (6481)
<SHARES-REINVESTED> 930
<NET-CHANGE-IN-ASSETS> 36847
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (3210)
<OVERDISTRIB-NII-PRIOR> 0
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<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 2007
<AVERAGE-NET-ASSETS> 282323
<PER-SHARE-NAV-BEGIN> 9.89
<PER-SHARE-NII> .64
<PER-SHARE-GAIN-APPREC> .36
<PER-SHARE-DIVIDEND> (.64)
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<PER-SHARE-NAV-END> 10.25
<EXPENSE-RATIO> .31
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 141
<NAME> TOTAL RETURN ADVANTAGE FUND RETAIL CLASS
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> MAY-31-1998
<PERIOD-START> JUN-01-1997
<PERIOD-END> MAY-31-1998
<INVESTMENTS-AT-COST> 281215
<INVESTMENTS-AT-VALUE> 286928
<RECEIVABLES> 19194
<ASSETS-OTHER> 3037
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 309159
<PAYABLE-FOR-SECURITIES> (11341)
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> (1103)
<TOTAL-LIABILITIES> (12444)
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 291531
<SHARES-COMMON-STOCK> 63
<SHARES-COMMON-PRIOR> 221
<ACCUMULATED-NII-CURRENT> 10
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (539)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 5713
<NET-ASSETS> 296715
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 18646
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<EXPENSES-NET> (874)
<NET-INVESTMENT-INCOME> 17772
<REALIZED-GAINS-CURRENT> 2672
<APPREC-INCREASE-CURRENT> 7028
<NET-CHANGE-FROM-OPS> 27472
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (125)
<DISTRIBUTIONS-OF-GAINS> 0
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<NUMBER-OF-SHARES-SOLD> 63
<NUMBER-OF-SHARES-REDEEMED> (232)
<SHARES-REINVESTED> 12
<NET-CHANGE-IN-ASSETS> (1546)
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (3210)
<OVERDISTRIB-NII-PRIOR> 0
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<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 2007
<AVERAGE-NET-ASSETS> 282323
<PER-SHARE-NAV-BEGIN> 9.89
<PER-SHARE-NII> .61
<PER-SHARE-GAIN-APPREC> .36
<PER-SHARE-DIVIDEND> (.61)
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<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.25
<EXPENSE-RATIO> .54
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 150
<NAME> BOND FUND INSTITUTIONAL CLASS
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> MAY-31-1998
<PERIOD-START> JUN-01-1997
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<INVESTMENTS-AT-COST> 131813
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<PAID-IN-CAPITAL-COMMON> 130720
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<SHARES-COMMON-PRIOR> 9099
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<ACCUMULATED-NET-GAINS> 499
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<NET-ASSETS> 132782
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 6836
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<EXPENSES-NET> (842)
<NET-INVESTMENT-INCOME> 5994
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<DISTRIBUTIONS-OF-INCOME> (6010)
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<NUMBER-OF-SHARES-REDEEMED> (1520)
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<PER-SHARE-NAV-BEGIN> 10.02
<PER-SHARE-NII> .59
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<PER-SHARE-NAV-END> 10.27
<EXPENSE-RATIO> .80
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</TABLE>
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<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 239
<TOTAL-LIABILITIES> 239
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 10
<SHARES-COMMON-STOCK> 1
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 214
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 55
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 128302
<NET-ASSETS> 158962
<DIVIDEND-INCOME> 281
<INTEREST-INCOME> 0
<OTHER-INCOME> 0
<EXPENSES-NET> (67)
<NET-INVESTMENT-INCOME> 214
<REALIZED-GAINS-CURRENT> 55
<APPREC-INCREASE-CURRENT> (1407)
<NET-CHANGE-FROM-OPS> (1138)
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 1
<NUMBER-OF-SHARES-REDEEMED> 0
<SHARES-REINVESTED> 0
<NET-CHANGE-IN-ASSETS> 158962
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 174
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 241
<AVERAGE-NET-ASSETS> 0
<PER-SHARE-NAV-BEGIN> 10.10
<PER-SHARE-NII> 0
<PER-SHARE-GAIN-APPREC> (.17)
<PER-SHARE-DIVIDEND> 0
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 9.83
<EXPENSE-RATIO> .54
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 222
<NAME> TAX MANAGED EQUITY FUND B SHARES
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 2-MOS
<FISCAL-YEAR-END> MAY-31-1998
<PERIOD-START> APR-09-1998
<PERIOD-END> MAY-31-1998
<INVESTMENTS-AT-COST> 30542
<INVESTMENTS-AT-VALUE> 158844
<RECEIVABLES> 183
<ASSETS-OTHER> 174
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 15920
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 239
<TOTAL-LIABILITIES> 239
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 88
<SHARES-COMMON-STOCK> 9
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 214
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 55
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 128302
<NET-ASSETS> 158962
<DIVIDEND-INCOME> 281
<INTEREST-INCOME> 0
<OTHER-INCOME> 0
<EXPENSES-NET> (67)
<NET-INVESTMENT-INCOME> 214
<REALIZED-GAINS-CURRENT> 55
<APPREC-INCREASE-CURRENT> (1407)
<NET-CHANGE-FROM-OPS> (1138)
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 9
<NUMBER-OF-SHARES-REDEEMED> 0
<SHARES-REINVESTED> 0
<NET-CHANGE-IN-ASSETS> 158962
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 174
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 241
<AVERAGE-NET-ASSETS> 0
<PER-SHARE-NAV-BEGIN> 10.21
<PER-SHARE-NII> 0
<PER-SHARE-GAIN-APPREC> (.28)
<PER-SHARE-DIVIDEND> 0
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 9.93
<EXPENSE-RATIO> 1.23
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
Report of Independent Auditors
To the Board of Trustees and
Shareholders of Armada Funds
In planning and performing our audits of the financial statements
of the Armada Funds (the "Funds") for the year ended May 31, 1998,
we considered their internal control, including control activities for
safeguarding securities, in order to determine our auditing procedures for
the purpose of expressing our opinion on the financial statements
and to comply with the requirements of Form N-SAR, not to provide
assurance on internal control.
The management of the Funds is responsible for establishing and maintaining
internal control. In fulfilling this responsibility, estimates and judgments
by management are required to assess the expected benefits and
related costs of controls. Generally, controls that are relevant to an
audit pertain to the entity's objective of preparing financial statements
for external purposes that are fairly presented in conformity with
generally accepted accounting principles. Those controls include the
safeguarding of assets against unauthorized acquisition, use or disposition.
Because of inherent limitations in internal control, errors or fraud may
occur and not be detected. Also, projection of any evaluation of internal
control to future periods is subject to the risk that it may become inadequate
because of changes in conditions or that the effectiveness of the
design and operation may deteriorate.
Our consideration of internal control would not necessarily disclose all
matters in internal control that might be material weaknesses under
standards established by the American Institute of Certified Public
Accountants. A material weakness is a condition in which the design or
operation of one or more specific internal control components does not
reduce to a relatively low level the risk that errors or fraud in amounts
that would be material in relation to the financial statements being
audited may occur and not be detected within a timely period by
employees in the normal course of performing their assigned functions.
However, we noted no matters involving internal control and its
operation, including controls for safeguarding securities, that
we consider to be material weaknesses as defined above at May 31, 1998.
This report is intended solely for the information and use of the board
of trustees and management of the Funds and the Securities and
Exchange Commission.
Philadelphia, PA
July 20, 1998
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000778202
<NAME> ARMADA FUNDS
<SERIES>
<NUMBER> 230
<NAME> NATIONAL TAX EXEMPT FUND
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 2-MOS
<FISCAL-YEAR-END> MAY-31-1998
<PERIOD-START> APR-09-1998
<PERIOD-END> MAY-31-1998
<INVESTMENTS-AT-COST> 76903
<INVESTMENTS-AT-VALUE> 79213
<RECEIVABLES> 1333
<ASSETS-OTHER> 62
<OTHER-ITEMS-ASSETS> 50
<TOTAL-ASSETS> 80658
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> (399)
<TOTAL-LIABILITIES> (399)
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 77947
<SHARES-COMMON-STOCK> 8004
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 2
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 2310
<NET-ASSETS> 80259
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 571
<OTHER-INCOME> 0
<EXPENSES-NET> 39
<NET-INVESTMENT-INCOME> 532
<REALIZED-GAINS-CURRENT> 0
<APPREC-INCREASE-CURRENT> 591
<NET-CHANGE-FROM-OPS> 1123
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (530)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 8128
<NUMBER-OF-SHARES-REDEEMED> (124)
<SHARES-REINVESTED> 0
<NET-CHANGE-IN-ASSETS> 80259
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 62
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 101
<AVERAGE-NET-ASSETS> 79269
<PER-SHARE-NAV-BEGIN> 10.00
<PER-SHARE-NII> .07
<PER-SHARE-GAIN-APPREC> .03
<PER-SHARE-DIVIDEND> (.07)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.03
<EXPENSE-RATIO> .33
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
