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<PAGE> PAGE 2
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<PAGE> PAGE 12
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<PAGE> PAGE 14
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<PAGE> PAGE 21
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<PAGE> PAGE 22
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<PAGE> PAGE 23
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<PAGE> PAGE 24
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<PAGE> PAGE 25
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<PAGE> PAGE 26
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<PAGE> PAGE 27
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<PAGE> PAGE 28
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008 A000601 FLEET INVESTMENT ADVISORS, INC.
<PAGE> PAGE 29
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<PAGE> PAGE 30
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<PAGE> PAGE 31
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<PAGE> PAGE 32
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<PAGE> PAGE 33
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008 A000701 FLEET INVESTMENT ADVISORS, INC.
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015 A000701 CHASE MANHATTAN BANK
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<PAGE> PAGE 34
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<PAGE> PAGE 35
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<PAGE> PAGE 36
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<PAGE> PAGE 37
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<PAGE> PAGE 38
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008 A000801 FLEET INVESTMENT ADVISORS, INC.
008 B000801 A
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015 A000801 CHASE MANHATTAN BANK
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<PAGE> PAGE 39
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<PAGE> PAGE 40
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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 N
070 L010800 Y
070 L020800 Y
070 M010800 Y
070 M020800 N
070 N010800 Y
070 N020800 N
070 O010800 Y
070 O020800 N
070 P010800 N
070 P020800 N
070 Q010800 N
<PAGE> PAGE 41
070 Q020800 N
070 R010800 N
070 R020800 N
071 A000800 340033
071 B000800 204619
071 C000800 566173
071 D000800 36
072 A000800 12
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072 T000800 8
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072 X000800 6777
072 Y000800 4
072 Z000800 5259
072AA000800 48132
072BB000800 0
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072DD020800 4784
072EE000800 9038
073 A010800 0.1100
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074 C000800 0
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<PAGE> PAGE 42
074 H000800 0
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008 A000901 FLEET INVESTMENT ADVISORS, INC.
008 B000901 A
008 C000901 801-000000
008 D010901 BOSTON
008 D020901 MA
008 D030901 02109
015 A000901 CHASE MANHATTAN BANK
015 B000901 C
015 C010901 NEW YORK
015 C020901 NY
015 C030901 10036
015 E040901 X
028 A010900 4886
028 A020900 0
028 A030900 0
028 A040900 2568
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028 B040900 2669
028 C010900 4112
028 C020900 1
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028 D010900 4046
<PAGE> PAGE 43
028 D020900 0
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028 G020900 1179
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031 B000900 0
032 000900 310
033 000900 0
034 000900 N
035 000900 0
036 B000900 0
037 000900 N
038 000900 0
039 000900 N
040 000900 N
045 000900 Y
046 000900 N
047 000900 Y
048 000900 0.750
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
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<PAGE> PAGE 44
048 I010900 0
048 I020900 0.000
048 J010900 0
048 J020900 0.000
048 K010900 0
048 K020900 0.000
055 A000900 Y
055 B000900 N
056 000900 N
057 000900 N
058 A000900 N
059 000900 Y
060 A000900 Y
060 B000900 Y
061 000900 2500
062 A000900 N
062 B000900 0.0
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062 D000900 0.0
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062 F000900 0.0
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062 H000900 0.0
062 I000900 0.0
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062 K000900 0.0
062 L000900 0.0
062 M000900 0.0
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062 O000900 0.0
062 P000900 0.0
062 Q000900 0.0
062 R000900 0.0
063 A000900 0
063 B000900 0.0
066 A000900 Y
066 E000900 Y
067 000900 N
068 A000900 N
068 B000900 N
069 000900 N
070 A010900 Y
070 A020900 Y
070 B010900 Y
070 B020900 N
070 C010900 N
070 C020900 N
070 D010900 N
070 D020900 N
070 E010900 N
070 E020900 N
<PAGE> PAGE 45
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 N
070 L010900 Y
070 L020900 N
070 M010900 Y
070 M020900 N
070 N010900 Y
070 N020900 N
070 O010900 Y
070 O020900 N
070 P010900 N
070 P020900 N
070 Q010900 N
070 Q020900 N
070 R010900 N
070 R020900 N
071 A000900 93069
071 B000900 81008
071 C000900 178569
071 D000900 45
072 A000900 12
072 B000900 1648
072 C000900 5013
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072 R000900 20
072 S000900 9
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072 U000900 1
<PAGE> PAGE 46
072 V000900 0
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072 X000900 2407
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072 Z000900 4254
072AA000900 19911
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072DD010900 1939
072DD020900 2274
072EE000900 6231
073 A010900 0.3000
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074 S000900 0
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074 U010900 7506
074 U020900 6268
074 V010900 16.91
074 V020900 16.93
074 W000900 0.0000
074 X000900 12247
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075 A000900 0
075 B000900 204486
076 000900 0.00
008 A001001 FLEET INVESTMENT ADVISORS, INC.
008 B001001 A
<PAGE> PAGE 47
008 C001001 801-000000
008 D011001 BOSTON
008 D021001 MA
008 D031001 02109
015 A001001 CHASE MANHATTAN BANK
015 B001001 C
015 C011001 NEW YORK
015 C021001 NY
015 C031001 10036
015 E011001 X
028 A011000 3435
028 A021000 0
028 A031000 0
028 A041000 4417
028 B011000 3451
028 B021000 580
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028 B041000 4877
028 C011000 5961
028 C021000 558
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028 F011000 5592
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028 G021000 3398
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035 001000 1
036 A001000 Y
036 B001000 0
<PAGE> PAGE 48
037 001000 N
038 001000 0
039 001000 N
040 001000 Y
041 001000 N
045 001000 Y
046 001000 N
047 001000 Y
048 001000 0.750
048 A011000 0
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048 B021000 0.000
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048 I011000 0
048 I021000 0.000
048 J011000 0
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048 K011000 0
048 K021000 0.000
055 A001000 Y
055 B001000 N
056 001000 N
057 001000 N
058 A001000 N
059 001000 Y
060 A001000 Y
060 B001000 Y
061 001000 2500
062 A001000 Y
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062 H001000 0.0
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<PAGE> PAGE 49
062 L001000 0.0
062 M001000 41.9
062 N001000 16.2
062 O001000 0.0
062 P001000 38.4
062 Q001000 1.7
062 R001000 0.1
063 A001000 0
063 B001000 9.1
064 A001000 Y
064 B001000 N
066 A001000 N
067 001000 N
068 A001000 N
068 B001000 N
069 001000 N
070 A011000 Y
070 A021000 Y
070 B011000 N
070 B021000 N
070 C011000 N
070 C021000 N
070 D011000 N
070 D021000 N
070 E011000 Y
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 N
070 L011000 Y
070 L021000 N
070 M011000 N
070 M021000 N
070 N011000 Y
070 N021000 N
070 O011000 Y
070 O021000 N
070 P011000 N
070 P021000 N
070 Q011000 N
070 Q021000 N
070 R011000 N
<PAGE> PAGE 50
070 R021000 N
071 A001000 288435
071 B001000 270028
071 C001000 165528
071 D001000 163
072 A001000 12
072 B001000 11446
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072 S001000 8
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072 X001000 1866
072 Y001000 342
072 Z001000 9922
072AA001000 1020
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072CC011000 0
072CC021000 3640
072DD011000 1736
072DD021000 8186
072EE001000 0
073 A011000 0.5900
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<PAGE> PAGE 51
074 J001000 0
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074 V011000 10.47
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074 W001000 0.0000
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075 B001000 169650
076 001000 0.00
008 A001101 FLEET INVESTMENT ADVISORS, INC.
008 B001101 A
008 C001101 801-000000
008 D011101 BOSTON
008 D021101 MA
008 D031101 02109
015 A001101 CHASE MANHATTAN BANK
015 B001101 C
015 C011101 NEW YORK
015 C021101 NY
015 C031101 10036
015 E011101 X
028 A011100 2163
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028 A041100 3455
028 B011100 3102
028 B021100 239
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028 C011100 3852
028 C021100 236
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<PAGE> PAGE 52
028 D041100 2326
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028 G011100 17044
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028 H001100 1076
029 001100 Y
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035 001100 1
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038 001100 0
039 001100 N
040 001100 Y
041 001100 N
045 001100 Y
046 001100 N
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048 001100 0.750
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<PAGE> PAGE 53
048 I011100 0
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055 A001100 Y
055 B001100 N
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060 B001100 Y
061 001100 2500
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062 C001100 0.0
062 D001100 3.4
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062 H001100 0.0
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062 M001100 11.2
062 N001100 14.8
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062 P001100 68.9
062 Q001100 1.0
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063 A001100 0
063 B001100 2.2
064 A001100 Y
064 B001100 N
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067 001100 N
068 A001100 N
068 B001100 N
069 001100 N
070 A011100 Y
070 A021100 Y
070 B011100 N
070 B021100 N
070 C011100 N
070 C021100 N
070 D011100 N
070 D021100 N
070 E011100 Y
<PAGE> PAGE 54
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 N
070 L011100 Y
070 L021100 N
070 M011100 N
070 M021100 N
070 N011100 Y
070 N021100 N
070 O011100 Y
070 O021100 N
070 P011100 N
070 P021100 N
070 Q011100 N
070 Q021100 N
070 R011100 N
070 R021100 N
071 A001100 183629
071 B001100 172762
071 C001100 80751
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072 R001100 20
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<PAGE> PAGE 55
072 U001100 4
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072 Z001100 5208
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072DD011100 1906
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076 001100 0.00
008 A001201 FLEET INVESTMENT ADVISORS, INC.
<PAGE> PAGE 56
008 B001201 A
008 C001201 801-000000
008 D011201 BOSTON
008 D021201 MA
008 D031201 02109
015 A001201 CHASE MANHATTAN BANK
015 B001201 C
015 C011201 NEW YORK
015 C021201 NY
015 C031201 10036
015 E011201 X
028 A011200 2444
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<PAGE> PAGE 57
036 B001200 0
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<PAGE> PAGE 58
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064 A001200 Y
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068 A001200 N
068 B001200 N
069 001200 N
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070 B021200 N
070 C011200 N
070 C021200 N
070 D011200 N
070 D021200 N
070 E011200 N
070 E021200 N
070 F011200 N
070 F021200 N
070 G011200 N
070 G021200 N
070 H011200 N
070 H021200 N
070 I011200 N
070 I021200 N
070 J011200 N
070 J021200 N
070 K011200 Y
070 K021200 N
070 L011200 N
070 L021200 N
070 M011200 N
070 M021200 N
070 N011200 Y
070 N021200 N
070 O011200 Y
070 O021200 N
070 P011200 N
070 P021200 N
070 Q011200 N
070 Q021200 N
<PAGE> PAGE 59
070 R011200 N
070 R021200 N
071 A001200 30546
071 B001200 18273
071 C001200 123486
071 D001200 15
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<PAGE> PAGE 60
074 I001200 0
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008 A001301 FLEET INVESTMENT ADVISORS, INC.
008 B001301 A
008 C001301 801-000000
008 D011301 BOSTON
008 D021301 MA
008 D031301 02109
015 A001301 CHASE MANHATTAN BANK
015 B001301 C
015 C011301 NEW YORK
015 C021301 NY
015 C031301 10036
015 E011301 X
028 A011300 614
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<PAGE> PAGE 61
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045 001300 Y
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<PAGE> PAGE 62
048 I021300 0.000
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<PAGE> PAGE 63
070 F011300 N
070 F021300 N
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070 H011300 N
070 H021300 N
070 I011300 N
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070 J011300 N
070 J021300 N
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070 M011300 N
070 M021300 N
070 N011300 Y
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070 O011300 Y
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070 P011300 N
070 P021300 N
070 Q011300 N
070 Q021300 N
070 R011300 N
070 R021300 N
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<PAGE> PAGE 64
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008 A001401 FLEET INVESTMENT ADVISORS, INC.
008 B001401 A
<PAGE> PAGE 65
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<PAGE> PAGE 66
037 001400 N
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<PAGE> PAGE 67
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070 E021400 N
070 F011400 N
070 F021400 N
070 G011400 N
070 G021400 N
070 H011400 N
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070 I011400 N
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070 K021400 N
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070 M011400 Y
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070 P021400 N
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<PAGE> PAGE 68
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<PAGE> PAGE 69
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<PAGE> PAGE 70
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<PAGE> PAGE 71
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<PAGE> PAGE 72
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<PAGE> PAGE 73
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<PAGE> PAGE 74
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<PAGE> PAGE 75
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<PAGE> PAGE 76
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<PAGE> PAGE 77
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<PAGE> PAGE 78
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<PAGE> PAGE 79
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<PAGE> PAGE 80
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<PAGE> PAGE 81
070 H011700 N
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070 J011700 N
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070 L011700 N
070 L021700 N
070 M011700 N
070 M021700 N
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070 O011700 Y
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070 P011700 N
070 P021700 N
070 Q011700 N
070 Q021700 N
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070 R021700 N
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<PAGE> PAGE 82
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008 A001801 FLEET INVESTMENT ADVISORS, INC.
008 B001801 A
008 C001801 801-000000
008 D011801 BOSTON
008 D021801 MA
008 D031801 02109
<PAGE> PAGE 83
015 A001801 CHASE MANHATTAN BANK
015 B001801 C
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<PAGE> PAGE 84
046 001800 N
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<PAGE> PAGE 85
062 R001800 0.1
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063 B001800 0.0
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066 A001800 N
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068 B001800 N
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070 A021800 N
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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
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070 J011800 N
070 J021800 N
070 K011800 Y
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070 L011800 N
070 L021800 N
070 M011800 N
070 M021800 N
070 N011800 N
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070 O011800 N
070 O021800 N
070 P011800 N
070 P021800 N
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<PAGE> PAGE 86
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<PAGE> PAGE 87
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008 B001901 A
008 C001901 801-000000
008 D011901 BOSTON
008 D021901 MA
008 D031901 02109
015 A001901 CHASE MANHATTAN BANK
015 B001901 C
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<PAGE> PAGE 88
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<PAGE> PAGE 89
056 001900 N
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<PAGE> PAGE 90
070 I021900 N
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<PAGE> PAGE 91
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008 A002001 FLEET INVESTMENT ADVISORS, INC.
008 B002001 A
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008 D012001 BOSTON
008 D022001 MA
008 D032001 02109
015 A002001 CHASE MANHATTAN BANK
015 B002001 C
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<PAGE> PAGE 92
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<PAGE> PAGE 93
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<PAGE> PAGE 94
064 A002000 Y
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<PAGE> PAGE 95
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<PAGE> PAGE 96
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008 A002101 FLEET INVESTMENT ADVISORS, INC.
008 B002101 A
008 C002101 801-00000
008 D012101 BOSTON
008 D022101 MA
008 D032101 02109
015 A002101 CHASE MANHATTAN BANK
015 B002101 C
015 C012101 NEW YORK
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015 C032101 10036
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<PAGE> PAGE 97
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<PAGE> PAGE 98
057 002100 N
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<PAGE> PAGE 99
070 J022100 N
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<PAGE> PAGE 100
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008 A002201 FLEET INVESTMENT ADVISORS, INC.
008 B002201 A
008 C002201 801-00000
008 D012201 BOSTON
008 D022201 MA
008 D032201 02109
015 A002201 CHASE MANHATTAN BANK
015 B002201 C
015 C012201 NEW YORK
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015 C032201 10036
<PAGE> PAGE 101
015 E012201 X
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<PAGE> PAGE 102
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<PAGE> PAGE 103
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<PAGE> PAGE 104
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<PAGE> PAGE 105
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<PAGE> PAGE 106
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<PAGE> PAGE 107
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<PAGE> PAGE 108
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<PAGE> PAGE 109
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<PAGE> PAGE 110
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<PAGE> PAGE 111
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<PAGE> PAGE 112
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SIGNATURE NEIL FORREST
TITLE VP&ASSISTANT TREASUR
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 3
<NAME> EQUITY VALUE - RETAIL
<S> <C>
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<PERIOD-END> OCT-31-1996
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<GROSS-EXPENSE> 3,542,270
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<PER-SHARE-NAV-BEGIN> 14.33
<PER-SHARE-NII> .14
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<PER-SHARE-NAV-END> 15.96
<EXPENSE-RATIO> 1.45
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</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 3
<NAME> EQUITY VALUE - TRUST
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 284,016,278
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<PAID-IN-CAPITAL-COMMON> 243,728,454
<SHARES-COMMON-STOCK> 12,206,996
<SHARES-COMMON-PRIOR> 11,534,519
<ACCUMULATED-NII-CURRENT> 288,324
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 38,889,289
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 45,813,635
<NET-ASSETS> 328,740,298
<DIVIDEND-INCOME> 6,254,544
<INTEREST-INCOME> 1,022,747
<OTHER-INCOME> 0
<EXPENSES-NET> 3,540,630
<NET-INVESTMENT-INCOME> 3,736,661
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<NUMBER-OF-SHARES-SOLD> 46,072,552
<NUMBER-OF-SHARES-REDEEMED> 48,737,242
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<GROSS-EXPENSE> 3,542,270
<AVERAGE-NET-ASSETS> 179,816,272
<PER-SHARE-NAV-BEGIN> 14.33
<PER-SHARE-NII> .21
<PER-SHARE-GAIN-APPREC> 2.74
<PER-SHARE-DIVIDEND> (.21)
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 3
<NAME> EQUITY VALUE - CDSC
<S> <C>
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<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
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<EXPENSES-NET> 3,540,630
<NET-INVESTMENT-INCOME> 3,736,661
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<NUMBER-OF-SHARES-SOLD> 1,841,623
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<ACCUMULATED-NII-PRIOR> 219,961
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<GROSS-EXPENSE> 3,542,270
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<PER-SHARE-NAV-BEGIN> 14.74
<PER-SHARE-NII> .04
<PER-SHARE-GAIN-APPREC> 1.25
<PER-SHARE-DIVIDEND> (.04)
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<PER-SHARE-NAV-END> 15.99
<EXPENSE-RATIO> 1.94
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</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 4
<NAME> INTERMEDIATE GOVT INCOME - RETAIL
<S> <C>
<PERIOD-TYPE> YEAR
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<PERIOD-END> OCT-31-1996
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<NET-ASSETS> 293,490,809
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<PER-SHARE-NAV-BEGIN> 10.28
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<PER-SHARE-GAIN-APPREC> (.22)
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<PER-SHARE-NAV-END> 10.06
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 4
<NAME> INTERMEDIATE GOVT INCOME - TRUST
<S> <C>
<PERIOD-TYPE> YEAR
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<PERIOD-END> OCT-31-1996
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<PER-SHARE-NII> .60
<PER-SHARE-GAIN-APPREC> (.22)
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</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 5
<NAME> TAX EXEMPT - RETAIL
<S> <C>
<PERIOD-TYPE> YEAR
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<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 298,365,992
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 5
<NAME> TAX EXEMPT - TRUST
<S> <C>
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</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 6
<NAME> U.S. TREASURY - RETAIL
<S> <C>
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 6
<NAME> U.S. TREASURY - TRUST
<S> <C>
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</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 7
<NAME> INTERNATIONAL EQUITY - RETAIL
<S> <C>
<PERIOD-TYPE> YEAR
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<PERIOD-END> OCT-31-1996
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<NET-ASSETS> 207,704,676
<DIVIDEND-INCOME> 3,535,725
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<GROSS-EXPENSE> 2,466,806
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<PER-SHARE-NAV-BEGIN> 12.92
<PER-SHARE-NII> .11
<PER-SHARE-GAIN-APPREC> 1.27
<PER-SHARE-DIVIDEND> (.12)
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 7
<NAME> INTERNATIONAL EQUITY - TRUST
<S> <C>
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<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
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<SHARES-COMMON-PRIOR> 6,905,615
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<EXPENSES-NET> 2,001,868
<NET-INVESTMENT-INCOME> 2,133,246
<REALIZED-GAINS-CURRENT> 11,411,904
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<NUMBER-OF-SHARES-SOLD> 114,166,862
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<GROSS-EXPENSE> 2,466,806
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<PER-SHARE-NAV-BEGIN> 12.98
<PER-SHARE-NII> .17
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<PER-SHARE-DIVIDEND> (.20)
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</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 8
<NAME> EQUITY GROWTH - RETAIL
<S> <C>
<PERIOD-TYPE> YEAR
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<PERIOD-END> OCT-31-1996
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<ACCUMULATED-NET-GAINS> 45,681,548
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<ACCUM-APPREC-OR-DEPREC> 216,200,342
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<NUMBER-OF-SHARES-SOLD> 57,414,525
<NUMBER-OF-SHARES-REDEEMED> 20,716,176
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<PER-SHARE-NAV-BEGIN> 17.29
<PER-SHARE-NII> .10
<PER-SHARE-GAIN-APPREC> 3.39
<PER-SHARE-DIVIDEND> (.11)
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<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 20.37
<EXPENSE-RATIO> 1.40
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 8
<NAME> EQUITY GROWTH - TRUST
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
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<PAID-IN-CAPITAL-COMMON> 464,937,542
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<DIVIDEND-INCOME> 8,637,619
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<NET-INVESTMENT-INCOME> 5,258,877
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<ACCUMULATED-NII-PRIOR> 665,685
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<GROSS-EXPENSE> 6,777,273
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<PER-SHARE-NAV-BEGIN> 18.77
<PER-SHARE-NII> (.01)
<PER-SHARE-GAIN-APPREC> 1.50
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 8
<NAME> EQUITY GROWTH - CDSC
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 507,991,855
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<RECEIVABLES> 5,011,709
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<OTHER-ITEMS-LIABILITIES> 1,989,433
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<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 464,937,542
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<ACCUMULATED-NII-CURRENT> 395,041
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<OVERDISTRIBUTION-GAINS> 0
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<EXPENSES-NET> 6,772,913
<NET-INVESTMENT-INCOME> 5,258,877
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<NUMBER-OF-SHARES-SOLD> 3,960,553
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<SHARES-REINVESTED> 0
<NET-CHANGE-IN-ASSETS> 3,786,716
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<ACCUMULATED-GAINS-PRIOR> 6,587,393
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<PER-SHARE-NAV-BEGIN> 17.30
<PER-SHARE-NII> .17
<PER-SHARE-GAIN-APPREC> 3.40
<PER-SHARE-DIVIDEND> (.18)
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<PER-SHARE-NAV-END> 20.39
<EXPENSE-RATIO> .98
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<AVG-DEBT-PER-SHARE> 0
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 9
<NAME> EQUITY INCOME - RETAIL
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
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<SHARES-COMMON-PRIOR> 5,459,241
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<NET-ASSETS> 233,045,808
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<SHARES-REINVESTED> 4,801,918
<NET-CHANGE-IN-ASSETS> 32,586,883
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<GROSS-ADVISORY-FEES> 1,533,644
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<GROSS-EXPENSE> 2,407,075
<AVERAGE-NET-ASSETS> 106,390,760
<PER-SHARE-NAV-BEGIN> 14.98
<PER-SHARE-NII> .30
<PER-SHARE-GAIN-APPREC> 2.47
<PER-SHARE-DIVIDEND> (.30)
<PER-SHARE-DISTRIBUTIONS> (.54)
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<PER-SHARE-NAV-END> 16.91
<EXPENSE-RATIO> 1.40
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<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 9
<NAME> EQUITY INCOME - TRUST
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 192,603,335
<INVESTMENTS-AT-VALUE> 232,297,730
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<TOTAL-ASSETS> 233,314,386
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<OTHER-ITEMS-LIABILITIES> 268,578
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<PAID-IN-CAPITAL-COMMON> 173,015,423
<SHARES-COMMON-STOCK> 6,268,275
<SHARES-COMMON-PRIOR> 5,856,577
<ACCUMULATED-NII-CURRENT> 425,338
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 19,910,652
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 39,694,395
<NET-ASSETS> 233,045,808
<DIVIDEND-INCOME> 5,013,456
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<EXPENSES-NET> 2,407,075
<NET-INVESTMENT-INCOME> 4,254,491
<REALIZED-GAINS-CURRENT> 19,910,652
<APPREC-INCREASE-CURRENT> 10,612,766
<NET-CHANGE-FROM-OPS> 34,777,909
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<DISTRIBUTIONS-OF-INCOME> (2,274,333)
<DISTRIBUTIONS-OF-GAINS> (3,159,136)
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<NUMBER-OF-SHARES-SOLD> 15,153,962
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<SHARES-REINVESTED> 2,551,413
<NET-CHANGE-IN-ASSETS> 6,504,904
<ACCUMULATED-NII-PRIOR> 384,596
<ACCUMULATED-GAINS-PRIOR> 6,232,081
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<GROSS-ADVISORY-FEES> 1,533,644
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 2,407,075
<AVERAGE-NET-ASSETS> 98,095,135
<PER-SHARE-NAV-BEGIN> 14.99
<PER-SHARE-NII> .37
<PER-SHARE-GAIN-APPREC> 2.48
<PER-SHARE-DIVIDEND> (.37)
<PER-SHARE-DISTRIBUTIONS> (.54)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 16.93
<EXPENSE-RATIO> .94
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 10
<NAME> HIGH QUALITY BOND - RETAIL
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 177,114,038
<INVESTMENTS-AT-VALUE> 180,508,165
<RECEIVABLES> 2,813,871
<ASSETS-OTHER> 880
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 183,322,916
<PAYABLE-FOR-SECURITIES> 2,054,938
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 563,086
<TOTAL-LIABILITIES> 2,618,024
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 181,808,631
<SHARES-COMMON-STOCK> 2,960,244
<SHARES-COMMON-PRIOR> 2,830,538
<ACCUMULATED-NII-CURRENT> 121,385
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 4,619,251
<ACCUM-APPREC-OR-DEPREC> 3,394,127
<NET-ASSETS> 180,704,892
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 11,446,222
<OTHER-INCOME> 0
<EXPENSES-NET> 1,523,983
<NET-INVESTMENT-INCOME> 9,922,239
<REALIZED-GAINS-CURRENT> 1,020,018
<APPREC-INCREASE-CURRENT> (3,640,756)
<NET-CHANGE-FROM-OPS> 7,301,501
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (1,722,962)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 11,663,127
<NUMBER-OF-SHARES-REDEEMED> 11,581,369
<SHARES-REINVESTED> 1,325,701
<NET-CHANGE-IN-ASSETS> 15,981,587
<ACCUMULATED-NII-PRIOR> 73,096
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 5,590,980
<GROSS-ADVISORY-FEES> 1,271,428
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1,865,986
<AVERAGE-NET-ASSETS> 30,364,756
<PER-SHARE-NAV-BEGIN> 10.63
<PER-SHARE-NII> .59
<PER-SHARE-GAIN-APPREC> (.16)
<PER-SHARE-DIVIDEND> (.59)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.47
<EXPENSE-RATIO> 1.07
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 10
<NAME> HIGH QUALITY BOND - TRUST
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 177,114,038
<INVESTMENTS-AT-VALUE> 180,508,165
<RECEIVABLES> 2,813,871
<ASSETS-OTHER> 880
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 183,322,916
<PAYABLE-FOR-SECURITIES> 2,054,938
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 563,086
<TOTAL-LIABILITIES> 2,618,024
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 181,808,631
<SHARES-COMMON-STOCK> 14,242,458
<SHARES-COMMON-PRIOR> 12,662,975
<ACCUMULATED-NII-CURRENT> 121,385
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 4,619,251
<ACCUM-APPREC-OR-DEPREC> 3,394,127
<NET-ASSETS> 180,704,892
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 11,446,222
<OTHER-INCOME> 0
<EXPENSES-NET> 1,523,983
<NET-INVESTMENT-INCOME> 9,922,239
<REALIZED-GAINS-CURRENT> 1,020,018
<APPREC-INCREASE-CURRENT> (3,640,756)
<NET-CHANGE-FROM-OPS> 7,301,501
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (8,186,289)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 49,925,801
<NUMBER-OF-SHARES-REDEEMED> 38,640,554
<SHARES-REINVESTED> 5,272,956
<NET-CHANGE-IN-ASSETS> 15,981,587
<ACCUMULATED-NII-PRIOR> 73,096
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 5,590,980
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 1,271,428
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1,865,986
<AVERAGE-NET-ASSETS> 138,917,510
<PER-SHARE-NAV-BEGIN> 10.63
<PER-SHARE-NII> .62
<PER-SHARE-GAIN-APPREC> (.16)
<PER-SHARE-DIVIDEND> (.62)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.47
<EXPENSE-RATIO> .85
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 10
<NAME> HIGH QUALITY BOND - CDSC
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 177,114,038
<INVESTMENTS-AT-VALUE> 180,508,165
<RECEIVABLES> 2,813,871
<ASSETS-OTHER> 880
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 183,322,916
<PAYABLE-FOR-SECURITIES> 2,054,938
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 563,086
<TOTAL-LIABILITIES> 2,618,024
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 181,808,631
<SHARES-COMMON-STOCK> 61,751
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 121,385
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 4,619,251
<ACCUM-APPREC-OR-DEPREC> 3,394,127
<NET-ASSETS> 180,704,892
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 11,446,222
<OTHER-INCOME> 0
<EXPENSES-NET> 1,523,983
<NET-INVESTMENT-INCOME> 9,922,239
<REALIZED-GAINS-CURRENT> 1,020,018
<APPREC-INCREASE-CURRENT> (3,640,756)
<NET-CHANGE-FROM-OPS> 7,301,501
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (12,988)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 650,504
<NUMBER-OF-SHARES-REDEEMED> 25,139
<SHARES-REINVESTED> 11,298
<NET-CHANGE-IN-ASSETS> 15,981,587
<ACCUMULATED-NII-PRIOR> 73,096
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 5,590,980
<GROSS-ADVISORY-FEES> 1,271,428
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1,865,986
<AVERAGE-NET-ASSETS> 367,699
<PER-SHARE-NAV-BEGIN> 10.72
<PER-SHARE-NII> .36
<PER-SHARE-GAIN-APPREC> (.25)
<PER-SHARE-DIVIDEND> (.36)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.47
<EXPENSE-RATIO> 1.60
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 11
<NAME> SHORT TERM BOND - RETAIL
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 90,761,538
<INVESTMENTS-AT-VALUE> 91,267,990
<RECEIVABLES> 1,183,380
<ASSETS-OTHER> 600
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 92,451,970
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 576,516
<TOTAL-LIABILITIES> 576,516
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 97,267,287
<SHARES-COMMON-STOCK> 3,341,269
<SHARES-COMMON-PRIOR> 3,136,057
<ACCUMULATED-NII-CURRENT> 130,065
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 6,028,350
<ACCUM-APPREC-OR-DEPREC> 506,452
<NET-ASSETS> 91,875,454
<DIVIDEND-INCOME> 17,209
<INTEREST-INCOME> 6,101,390
<OTHER-INCOME> 0
<EXPENSES-NET> 910,160
<NET-INVESTMENT-INCOME> 5,208,439
<REALIZED-GAINS-CURRENT> 112,054
<APPREC-INCREASE-CURRENT> (568,149)
<NET-CHANGE-FROM-OPS> 4,752,344
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (1,899,771)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 17,343,671
<NUMBER-OF-SHARES-REDEEMED> 16,939,526
<SHARES-REINVESTED> 1,599,869
<NET-CHANGE-IN-ASSETS> 25,245,631
<ACCUMULATED-NII-PRIOR> 19,340
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 2,550,090
<GROSS-ADVISORY-FEES> 724,764
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1,144,237
<AVERAGE-NET-ASSETS> 36,397,386
<PER-SHARE-NAV-BEGIN> 10.06
<PER-SHARE-NII> .52
<PER-SHARE-GAIN-APPREC> (.07)
<PER-SHARE-DIVIDEND> (.52)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 9.99
<EXPENSE-RATIO> 1.11
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 11
<NAME> SHORT TERM BOND - TRUST
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 90,761,538
<INVESTMENTS-AT-VALUE> 91,267,990
<RECEIVABLES> 1,183,380
<ASSETS-OTHER> 600
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 92,451,970
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 576,516
<TOTAL-LIABILITIES> 576,516
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 97,267,287
<SHARES-COMMON-STOCK> 5,826,883
<SHARES-COMMON-PRIOR> 3,488,539
<ACCUMULATED-NII-CURRENT> 130,065
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 6,028,350
<ACCUM-APPREC-OR-DEPREC> 506,452
<NET-ASSETS> 91,875,454
<DIVIDEND-INCOME> 17,209
<INTEREST-INCOME> 6,101,390
<OTHER-INCOME> 0
<EXPENSES-NET> 910,160
<NET-INVESTMENT-INCOME> 5,208,439
<REALIZED-GAINS-CURRENT> 112,054
<APPREC-INCREASE-CURRENT> (568,149)
<NET-CHANGE-FROM-OPS> 4,752,344
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (3,302,682)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 73,676,572
<NUMBER-OF-SHARES-REDEEMED> 51,413,583
<SHARES-REINVESTED> 1,175,479
<NET-CHANGE-IN-ASSETS> 25,245,631
<ACCUMULATED-NII-PRIOR> 19,340
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 2,550,090
<GROSS-ADVISORY-FEES> 724,764
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1,144,237
<AVERAGE-NET-ASSETS> 60,111,707
<PER-SHARE-NAV-BEGIN> 10.06
<PER-SHARE-NII> .55
<PER-SHARE-GAIN-APPREC> (.07)
<PER-SHARE-DIVIDEND> (.55)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 9.99
<EXPENSE-RATIO> .84
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 11
<NAME> SHORT TERM BOND - CDSC
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 90,761,538
<INVESTMENTS-AT-VALUE> 91,267,990
<RECEIVABLES> 1,183,380
<ASSETS-OTHER> 600
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 92,451,970
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 576,516
<TOTAL-LIABILITIES> 576,516
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 97,267,287
<SHARES-COMMON-STOCK> 26,023
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 130,065
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 6,028,350
<ACCUM-APPREC-OR-DEPREC> 506,452
<NET-ASSETS> 91,875,454
<DIVIDEND-INCOME> 17,209
<INTEREST-INCOME> 6,101,390
<OTHER-INCOME> 0
<EXPENSES-NET> 910,160
<NET-INVESTMENT-INCOME> 5,208,439
<REALIZED-GAINS-CURRENT> 112,054
<APPREC-INCREASE-CURRENT> (568,149)
<NET-CHANGE-FROM-OPS> 4,752,344
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (5,986)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 301,660
<NUMBER-OF-SHARES-REDEEMED> 47,553
<SHARES-REINVESTED> 5,137
<NET-CHANGE-IN-ASSETS> 25,245,631
<ACCUMULATED-NII-PRIOR> 19,340
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 2,550,090
<GROSS-ADVISORY-FEES> 724,764
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1,144,237
<AVERAGE-NET-ASSETS> 191,298
<PER-SHARE-NAV-BEGIN> 10.09
<PER-SHARE-NII> .31
<PER-SHARE-GAIN-APPREC> (.10)
<PER-SHARE-DIVIDEND> (.31)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 9.99
<EXPENSE-RATIO> 1.77
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 12
<NAME> TAX EXEMPT BOND - RETAIL
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 127,340,806
<INVESTMENTS-AT-VALUE> 130,243,627
<RECEIVABLES> 2,421,013
<ASSETS-OTHER> 237,555
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 132,902,195
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 613,336
<TOTAL-LIABILITIES> 613,336
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 129,303,876
<SHARES-COMMON-STOCK> 2,628,976
<SHARES-COMMON-PRIOR> 2,932,336
<ACCUMULATED-NII-CURRENT> 2,378
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 79,784
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 2,902,821
<NET-ASSETS> 132,288,859
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 7,119,276
<OTHER-INCOME> 0
<EXPENSES-NET> 959,891
<NET-INVESTMENT-INCOME> 6,159,385
<REALIZED-GAINS-CURRENT> 184,040
<APPREC-INCREASE-CURRENT> (121,103)
<NET-CHANGE-FROM-OPS> 6,222,322
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (1,393,399)
<DISTRIBUTIONS-OF-GAINS> (19)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 3,667,225
<NUMBER-OF-SHARES-REDEEMED> 7,906,263
<SHARES-REINVESTED> 989,521
<NET-CHANGE-IN-ASSETS> (3,249,517)
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 19
<OVERDIST-NET-GAINS-PRIOR> 101,859
<GROSS-ADVISORY-FEES> 949,249
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1,275,878
<AVERAGE-NET-ASSETS> 29,835,214
<PER-SHARE-NAV-BEGIN> 10.78
<PER-SHARE-NII> .50
<PER-SHARE-GAIN-APPREC> 0
<PER-SHARE-DIVIDEND> (.50)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.78
<EXPENSE-RATIO> .93
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 12
<NAME> TAX EXEMPT BOND - TRUST
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 127,340,806
<INVESTMENTS-AT-VALUE> 130,243,627
<RECEIVABLES> 2,421,013
<ASSETS-OTHER> 237,555
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 132,902,195
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 613,336
<TOTAL-LIABILITIES> 613,336
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 129,303,876
<SHARES-COMMON-STOCK> 9,570,225
<SHARES-COMMON-PRIOR> 8,510,984
<ACCUMULATED-NII-CURRENT> 2,378
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 79,784
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 2,902,821
<NET-ASSETS> 132,288,859
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 7,119,276
<OTHER-INCOME> 0
<EXPENSES-NET> 959,891
<NET-INVESTMENT-INCOME> 6,159,385
<REALIZED-GAINS-CURRENT> 184,040
<APPREC-INCREASE-CURRENT> (121,103)
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<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (4,757,676)
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<NUMBER-OF-SHARES-SOLD> 17,408,564
<NUMBER-OF-SHARES-REDEEMED> 6,119,217
<SHARES-REINVESTED> 58,201
<NET-CHANGE-IN-ASSETS> 11,347,548
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 19
<OVERDIST-NET-GAINS-PRIOR> 101,859
<GROSS-ADVISORY-FEES> 949,249
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1,275,878
<AVERAGE-NET-ASSETS> 96,531,208
<PER-SHARE-NAV-BEGIN> 10.78
<PER-SHARE-NII> .53
<PER-SHARE-GAIN-APPREC> 0
<PER-SHARE-DIVIDEND> (.53)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.78
<EXPENSE-RATIO> .70
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 12
<NAME> TAX EXEMPT BOND - CDSC
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 127,340,806
<INVESTMENTS-AT-VALUE> 130,243,627
<RECEIVABLES> 2,421,013
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<OTHER-ITEMS-LIABILITIES> 613,336
<TOTAL-LIABILITIES> 613,336
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 129,303,876
<SHARES-COMMON-STOCK> 72,978
<SHARES-COMMON-PRIOR> 0
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<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 79,784
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 2,902,821
<NET-ASSETS> 132,288,859
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 7,119,276
<OTHER-INCOME> 0
<EXPENSES-NET> 959,891
<NET-INVESTMENT-INCOME> 6,159,385
<REALIZED-GAINS-CURRENT> 184,040
<APPREC-INCREASE-CURRENT> (121,103)
<NET-CHANGE-FROM-OPS> 6,222,322
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (8,291)
<DISTRIBUTIONS-OF-GAINS> 0
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<NUMBER-OF-SHARES-SOLD> 775,566
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<SHARES-REINVESTED> 3,525
<NET-CHANGE-IN-ASSETS> 779,091
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 19
<OVERDIST-NET-GAINS-PRIOR> 101,859
<GROSS-ADVISORY-FEES> 949,249
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1,275,878
<AVERAGE-NET-ASSETS> 302,570
<PER-SHARE-NAV-BEGIN> 10.94
<PER-SHARE-NII> .27
<PER-SHARE-GAIN-APPREC> (.16)
<PER-SHARE-DIVIDEND> (.27)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.78
<EXPENSE-RATIO> 1.57
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 13
<NAME> NEW YORK MUNI BOND - RETAIL
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 62,151,913
<INVESTMENTS-AT-VALUE> 63,697,055
<RECEIVABLES> 1,130,888
<ASSETS-OTHER> 298,739
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 65,126,682
<PAYABLE-FOR-SECURITIES> 989,313
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 221,444
<TOTAL-LIABILITIES> 1,210,757
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 64,268,798
<SHARES-COMMON-STOCK> 3,735,346
<SHARES-COMMON-PRIOR> 3,977,437
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 1,898,015
<ACCUM-APPREC-OR-DEPREC> 1,545,142
<NET-ASSETS> 63,915,925
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 3,572,340
<OTHER-INCOME> 0
<EXPENSES-NET> 566,420
<NET-INVESTMENT-INCOME> 3,005,920
<REALIZED-GAINS-CURRENT> (16,589)
<APPREC-INCREASE-CURRENT> (200,532)
<NET-CHANGE-FROM-OPS> 2,788,799
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (1,896,290)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 7,610,907
<NUMBER-OF-SHARES-REDEEMED> 11,561,982
<SHARES-REINVESTED> 1,393,109
<NET-CHANGE-IN-ASSETS> (2,557,966)
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 1,881,426
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<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 820,757
<AVERAGE-NET-ASSETS> 42,113,780
<PER-SHARE-NAV-BEGIN> 10.78
<PER-SHARE-NII> .48
<PER-SHARE-GAIN-APPREC> (.03)
<PER-SHARE-DIVIDEND> (.48)
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<PER-SHARE-NAV-END> 10.75
<EXPENSE-RATIO> .95
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 13
<NAME> NEW YORK MUNI BOND - TRUST
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 62,151,913
<INVESTMENTS-AT-VALUE> 63,697,055
<RECEIVABLES> 1,130,888
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<TOTAL-ASSETS> 65,126,682
<PAYABLE-FOR-SECURITIES> 989,313
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 221,444
<TOTAL-LIABILITIES> 1,210,757
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 64,268,798
<SHARES-COMMON-STOCK> 2,210,466
<SHARES-COMMON-PRIOR> 2,140,906
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 1,898,015
<ACCUM-APPREC-OR-DEPREC> 1,545,142
<NET-ASSETS> 63,915,925
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 3,572,340
<OTHER-INCOME> 0
<EXPENSES-NET> 566,420
<NET-INVESTMENT-INCOME> 3,005,920
<REALIZED-GAINS-CURRENT> (16,589)
<APPREC-INCREASE-CURRENT> (200,532)
<NET-CHANGE-FROM-OPS> 2,788,799
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (1,109,630)
<DISTRIBUTIONS-OF-GAINS> 0
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<NUMBER-OF-SHARES-SOLD> 4,313,377
<NUMBER-OF-SHARES-REDEEMED> 3,713,933
<SHARES-REINVESTED> 144,855
<NET-CHANGE-IN-ASSETS> 744,299
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 1,881,426
<GROSS-ADVISORY-FEES> 491,318
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 820,757
<AVERAGE-NET-ASSETS> 23,380,785
<PER-SHARE-NAV-BEGIN> 10.78
<PER-SHARE-NII> .51
<PER-SHARE-GAIN-APPREC> (.03)
<PER-SHARE-DIVIDEND> (.51)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.75
<EXPENSE-RATIO> .70
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 14
<NAME> ASSET ALLOCATION - RETAIL
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 206,305,418
<INVESTMENTS-AT-VALUE> 243,697,997
<RECEIVABLES> 2,219,680
<ASSETS-OTHER> 75,849
<OTHER-ITEMS-ASSETS> 576
<TOTAL-ASSETS> 245,994,102
<PAYABLE-FOR-SECURITIES> 1,003,310
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 978,814
<TOTAL-LIABILITIES> 1,982,124
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 197,270,362
<SHARES-COMMON-STOCK> 8,046,520
<SHARES-COMMON-PRIOR> 5,954,778
<ACCUMULATED-NII-CURRENT> 622,447
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 8,726,590
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 37,392,579
<NET-ASSETS> 244,011,978
<DIVIDEND-INCOME> 2,226,994
<INTEREST-INCOME> 5,007,670
<OTHER-INCOME> 0
<EXPENSES-NET> 2,558,884
<NET-INVESTMENT-INCOME> 4,675,780
<REALIZED-GAINS-CURRENT> 8,828,444
<APPREC-INCREASE-CURRENT> 17,143,392
<NET-CHANGE-FROM-OPS> 30,647,616
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (2,124,795)
<DISTRIBUTIONS-OF-GAINS> (805,180)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 41,468,535
<NUMBER-OF-SHARES-REDEEMED> 15,903,019
<SHARES-REINVESTED> 2,837,001
<NET-CHANGE-IN-ASSETS> 28,402,517
<ACCUMULATED-NII-PRIOR> 406,096
<ACCUMULATED-GAINS-PRIOR> 1,498,280
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 1,459,822
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 2,573,406
<AVERAGE-NET-ASSETS> 97,155,322
<PER-SHARE-NAV-BEGIN> 12.82
<PER-SHARE-NII> .30
<PER-SHARE-GAIN-APPREC> 1.83
<PER-SHARE-DIVIDEND> (.30)
<PER-SHARE-DISTRIBUTIONS> (.13)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 14.52
<EXPENSE-RATIO> 1.42
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 14
<NAME> ASSET ALLOCATION - TRUST
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 206,305,418
<INVESTMENTS-AT-VALUE> 243,697,997
<RECEIVABLES> 2,219,680
<ASSETS-OTHER> 75,849
<OTHER-ITEMS-ASSETS> 576
<TOTAL-ASSETS> 245,994,102
<PAYABLE-FOR-SECURITIES> 1,003,310
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 978,814
<TOTAL-LIABILITIES> 1,982,124
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 197,270,362
<SHARES-COMMON-STOCK> 8,508,470
<SHARES-COMMON-PRIOR> 5,982,307
<ACCUMULATED-NII-CURRENT> 622,447
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 8,726,590
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 37,392,579
<NET-ASSETS> 244,011,978
<DIVIDEND-INCOME> 2,226,994
<INTEREST-INCOME> 5,007,670
<OTHER-INCOME> 0
<EXPENSES-NET> 2,558,884
<NET-INVESTMENT-INCOME> 4,675,780
<REALIZED-GAINS-CURRENT> 8,828,444
<APPREC-INCREASE-CURRENT> 17,143,392
<NET-CHANGE-FROM-OPS> 30,647,616
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (2,323,359)
<DISTRIBUTIONS-OF-GAINS> (791,001)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 67,329,259
<NUMBER-OF-SHARES-REDEEMED> 35,310,703
<SHARES-REINVESTED> 2,461,350
<NET-CHANGE-IN-ASSETS> 34,479,906
<ACCUMULATED-NII-PRIOR> 406,096
<ACCUMULATED-GAINS-PRIOR> 1,498,280
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 1,459,822
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 2,573,406
<AVERAGE-NET-ASSETS> 963,504,643
<PER-SHARE-NAV-BEGIN> 12.83
<PER-SHARE-NII> .33
<PER-SHARE-GAIN-APPREC> 1.83
<PER-SHARE-DIVIDEND> (.33)
<PER-SHARE-DISTRIBUTIONS> (.13)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 14.53
<EXPENSE-RATIO> 1.19
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 14
<NAME> ASSET ALLOCATION - CDSC
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 206,305,418
<INVESTMENTS-AT-VALUE> 243,697,997
<RECEIVABLES> 2,219,680
<ASSETS-OTHER> 75,849
<OTHER-ITEMS-ASSETS> 576
<TOTAL-ASSETS> 245,994,102
<PAYABLE-FOR-SECURITIES> 1,003,310
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 978,814
<TOTAL-LIABILITIES> 1,982,124
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 197,270,362
<SHARES-COMMON-STOCK> 245,172
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 622,447
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 8,726,590
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 37,392,579
<NET-ASSETS> 244,011,978
<DIVIDEND-INCOME> 2,226,994
<INTEREST-INCOME> 5,007,670
<OTHER-INCOME> 0
<EXPENSES-NET> 2,558,884
<NET-INVESTMENT-INCOME> 4,675,780
<REALIZED-GAINS-CURRENT> 8,828,444
<APPREC-INCREASE-CURRENT> 17,143,392
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<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (15,152)
<DISTRIBUTIONS-OF-GAINS> 0
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<NUMBER-OF-SHARES-SOLD> 3,509,640
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<SHARES-REINVESTED> 14,490
<NET-CHANGE-IN-ASSETS> 3,402,821
<ACCUMULATED-NII-PRIOR> 406,096
<ACCUMULATED-GAINS-PRIOR> 1,498,280
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 1,459,822
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 2,573,406
<AVERAGE-NET-ASSETS> 1,518,013
<PER-SHARE-NAV-BEGIN> 13.59
<PER-SHARE-NII> .13
<PER-SHARE-GAIN-APPREC> .91
<PER-SHARE-DIVIDEND> (.12)
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<PER-SHARE-NAV-END> 14.51
<EXPENSE-RATIO> 1.95
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 15
<NAME> SMALL CO. EQUITY - RETAIL
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 231,395,298
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<ACCUMULATED-NET-GAINS> 34,762,593
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<ACCUM-APPREC-OR-DEPREC> 48,944,309
<NET-ASSETS> 289,749,249
<DIVIDEND-INCOME> 417,135
<INTEREST-INCOME> 702,310
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<EXPENSES-NET> 2,712,989
<NET-INVESTMENT-INCOME> (1,593,544)
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<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> (513,596)
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<NUMBER-OF-SHARES-SOLD> 397,053,745
<NUMBER-OF-SHARES-REDEEMED> 346,365,223
<SHARES-REINVESTED> 502,766
<NET-CHANGE-IN-ASSETS> 149,250,236
<ACCUMULATED-NII-PRIOR> 0
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<GROSS-EXPENSE> 2,717,890
<AVERAGE-NET-ASSETS> 77,723,250
<PER-SHARE-NAV-BEGIN> 16.28
<PER-SHARE-NII> (.14)
<PER-SHARE-GAIN-APPREC> 3.99
<PER-SHARE-DIVIDEND> 0
<PER-SHARE-DISTRIBUTIONS> (.17)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 19.96
<EXPENSE-RATIO> 1.57
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 15
<NAME> SMALL CO. EQUITY - TRUST
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 231,395,298
<INVESTMENTS-AT-VALUE> 280,339,607
<RECEIVABLES> 15,182,007
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<TOTAL-LIABILITIES> 5,799,776
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<PAID-IN-CAPITAL-COMMON> 206,042,347
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<OVERDISTRIBUTION-GAINS> 0
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<NET-ASSETS> 289,749,249
<DIVIDEND-INCOME> 417,135
<INTEREST-INCOME> 702,310
<OTHER-INCOME> 0
<EXPENSES-NET> 2,712,989
<NET-INVESTMENT-INCOME> (1,593,544)
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<NUMBER-OF-SHARES-SOLD> 140,211,402
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<SHARES-REINVESTED> 652,265
<NET-CHANGE-IN-ASSETS> 149,250,236
<ACCUMULATED-NII-PRIOR> 0
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<GROSS-EXPENSE> 2,717,890
<AVERAGE-NET-ASSETS> 129,531,825
<PER-SHARE-NAV-BEGIN> 16.38
<PER-SHARE-NII> (.09)
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<PER-SHARE-DIVIDEND> 0
<PER-SHARE-DISTRIBUTIONS> (.17)
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<PER-SHARE-NAV-END> 20.20
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 15
<NAME> SMALL CO. EQUITY - CDSC
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 231,395,298
<INVESTMENTS-AT-VALUE> 280,339,607
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<PAID-IN-CAPITAL-COMMON> 206,042,347
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<SHARES-COMMON-PRIOR> 0
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<OVERDISTRIBUTION-GAINS> 0
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<NET-ASSETS> 289,749,249
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<INTEREST-INCOME> 702,310
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<EXPENSES-NET> 2,712,989
<NET-INVESTMENT-INCOME> (1,593,544)
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<PER-SHARE-NAV-BEGIN> 17.27
<PER-SHARE-NII> (.19)
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<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 19.91
<EXPENSE-RATIO> 2.04
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 16
<NAME> MA MUNI BOND - RETAIL
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 36,469,152
<INVESTMENTS-AT-VALUE> 36,466,325
<RECEIVABLES> 632,617
<ASSETS-OTHER> 382,151
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 37,481,093
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 159,276
<TOTAL-LIABILITIES> 159,276
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 38,081,678
<SHARES-COMMON-STOCK> 2,642,762
<SHARES-COMMON-PRIOR> 1,614,697
<ACCUMULATED-NII-CURRENT> 12,622
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 769,656
<ACCUM-APPREC-OR-DEPREC> (2,827)
<NET-ASSETS> 37,321,817
<DIVIDEND-INCOME> 2,467
<INTEREST-INCOME> 1,829,371
<OTHER-INCOME> 0
<EXPENSES-NET> 218,615
<NET-INVESTMENT-INCOME> 1,613,223
<REALIZED-GAINS-CURRENT> 13,421
<APPREC-INCREASE-CURRENT> (183,226)
<NET-CHANGE-FROM-OPS> 1,443,418
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (1,133,798)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 18,325,331
<NUMBER-OF-SHARES-REDEEMED> 8,871,687
<SHARES-REINVESTED> 838,981
<NET-CHANGE-IN-ASSETS> 10,292,625
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 717,434
<GROSS-ADVISORY-FEES> 270,407
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 457,011
<AVERAGE-NET-ASSETS> 25,881,851
<PER-SHARE-NAV-BEGIN> 9.98
<PER-SHARE-NII> .43
<PER-SHARE-GAIN-APPREC> (.04)
<PER-SHARE-DIVIDEND> (.43)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 9.94
<EXPENSE-RATIO> .66
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 16
<NAME> MA MUNI BOND - TRUST
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 36,469,152
<INVESTMENTS-AT-VALUE> 36,466,325
<RECEIVABLES> 632,617
<ASSETS-OTHER> 382,151
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 37,481,093
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 159,276
<TOTAL-LIABILITIES> 159,276
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 38,081,678
<SHARES-COMMON-STOCK> 1,111,654
<SHARES-COMMON-PRIOR> 762,400
<ACCUMULATED-NII-CURRENT> 12,622
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 769,656
<ACCUM-APPREC-OR-DEPREC> (2,827)
<NET-ASSETS> 37,321,817
<DIVIDEND-INCOME> 2,467
<INTEREST-INCOME> 1,829,371
<OTHER-INCOME> 0
<EXPENSES-NET> 218,615
<NET-INVESTMENT-INCOME> 1,613,223
<REALIZED-GAINS-CURRENT> 13,421
<APPREC-INCREASE-CURRENT> (183,226)
<NET-CHANGE-FROM-OPS> 1,443,418
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (468,311)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 4,850,513
<NUMBER-OF-SHARES-REDEEMED> 1,383,198
<SHARES-REINVESTED> 121
<NET-CHANGE-IN-ASSETS> 3,467,436
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 717,434
<GROSS-ADVISORY-FEES> 270,407
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 457,011
<AVERAGE-NET-ASSETS> 10,172,519
<PER-SHARE-NAV-BEGIN> 9.98
<PER-SHARE-NII> .46
<PER-SHARE-GAIN-APPREC> (.04)
<PER-SHARE-DIVIDEND> (.46)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 9.94
<EXPENSE-RATIO> .48
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 17
<NAME> CT MUNI BOND - RETAIL
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 29,346,410
<INVESTMENTS-AT-VALUE> 29,522,724
<RECEIVABLES> 428,486
<ASSETS-OTHER> 51,251
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 30,002,461
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 410,431
<TOTAL-LIABILITIES> 410,431
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 30,357,881
<SHARES-COMMON-STOCK> 2,291,223
<SHARES-COMMON-PRIOR> 1,783,739
<ACCUMULATED-NII-CURRENT> 4,402
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 946,567
<ACCUM-APPREC-OR-DEPREC> 176,314
<NET-ASSETS> 29,592,030
<DIVIDEND-INCOME> 2,013
<INTEREST-INCOME> 1,486,563
<OTHER-INCOME> 0
<EXPENSES-NET> 201,870
<NET-INVESTMENT-INCOME> 1,286,706
<REALIZED-GAINS-CURRENT> 6,306
<APPREC-INCREASE-CURRENT> 52,961
<NET-CHANGE-FROM-OPS> 1,345,973
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (1,015,743)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 10,649,519
<NUMBER-OF-SHARES-REDEEMED> 6,235,644
<SHARES-REINVESTED> 720,485
<NET-CHANGE-IN-ASSETS> 5,134,360
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 725,409
<GROSS-ADVISORY-FEES> 230,995
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 412,333
<AVERAGE-NET-ASSETS> 24,641,676
<PER-SHARE-NAV-BEGIN> 10.13
<PER-SHARE-NII> .42
<PER-SHARE-GAIN-APPREC> .01
<PER-SHARE-DIVIDEND> (.42)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.14
<EXPENSE-RATIO> .70
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 17
<NAME> CT MUNI BOND - TRUST
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 29,346,410
<INVESTMENTS-AT-VALUE> 29,522,724
<RECEIVABLES> 428,486
<ASSETS-OTHER> 51,251
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 30,002,461
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 410,431
<TOTAL-LIABILITIES> 410,431
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 30,357,881
<SHARES-COMMON-STOCK> 625,772
<SHARES-COMMON-PRIOR> 403,126
<ACCUMULATED-NII-CURRENT> 4,402
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 946,567
<ACCUM-APPREC-OR-DEPREC> 176,314
<NET-ASSETS> 29,592,030
<DIVIDEND-INCOME> 2,013
<INTEREST-INCOME> 1,486,563
<OTHER-INCOME> 0
<EXPENSES-NET> 201,870
<NET-INVESTMENT-INCOME> 1,286,706
<REALIZED-GAINS-CURRENT> 6,306
<APPREC-INCREASE-CURRENT> 52,961
<NET-CHANGE-FROM-OPS> 1,345,973
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (267,813)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 1,132,087
<NUMBER-OF-SHARES-REDEEMED> 1,846,223
<SHARES-REINVESTED> 23,783
<NET-CHANGE-IN-ASSETS> (690,353)
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 725,409
<GROSS-ADVISORY-FEES> 230,995
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 412,333
<AVERAGE-NET-ASSETS> 6,157,702
<PER-SHARE-NAV-BEGIN> 10.13
<PER-SHARE-NII> .44
<PER-SHARE-GAIN-APPREC> .01
<PER-SHARE-DIVIDEND> (.44)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.14
<EXPENSE-RATIO> .49
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 18
<NAME> INSTITUTIONAL TREASURY
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 500,381,963
<INVESTMENTS-AT-VALUE> 500,381,963
<RECEIVABLES> 2,502,211
<ASSETS-OTHER> 4,727
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 502,888,901
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 1,961,811
<TOTAL-LIABILITIES> 1,961,811
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 500,983,355
<SHARES-COMMON-STOCK> 500,983,355
<SHARES-COMMON-PRIOR> 506,724,539
<ACCUMULATED-NII-CURRENT> 4,970
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 61,235
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 500,927,090
<DIVIDEND-INCOME> 390,319
<INTEREST-INCOME> 24,828,791
<OTHER-INCOME> 0
<EXPENSES-NET> 902,776
<NET-INVESTMENT-INCOME> 24,316,334
<REALIZED-GAINS-CURRENT> (23,590)
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 24,292,744
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (24,316,334)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 1,824,149,469
<NUMBER-OF-SHARES-REDEEMED> 1,831,804,833
<SHARES-REINVESTED> 1,914,180
<NET-CHANGE-IN-ASSETS> (5,741,184)
<ACCUMULATED-NII-PRIOR> 4,970
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 37,645
<GROSS-ADVISORY-FEES> 972,032
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1,594,092
<AVERAGE-NET-ASSETS> 486,016,097
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> .05
<PER-SHARE-GAIN-APPREC> 0
<PER-SHARE-DIVIDEND> (.05)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> .19
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 19
<NAME> CORPORATE BOND TRUST
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 106,592,309
<INVESTMENTS-AT-VALUE> 106,460,555
<RECEIVABLES> 1,934,884
<ASSETS-OTHER> 12,263
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 108,407,702
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 679,914
<TOTAL-LIABILITIES> 679,914
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 110,076,718
<SHARES-COMMON-STOCK> 10,228,835
<SHARES-COMMON-PRIOR> 3,480,710
<ACCUMULATED-NII-CURRENT> 224,825
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 2,442,001
<ACCUM-APPREC-OR-DEPREC> (131,754)
<NET-ASSETS> 107,727,788
<DIVIDEND-INCOME> 37,220
<INTEREST-INCOME> 7,635,846
<OTHER-INCOME> 0
<EXPENSES-NET> 933,141
<NET-INVESTMENT-INCOME> 6,739,925
<REALIZED-GAINS-CURRENT> 1,258,135
<APPREC-INCREASE-CURRENT> (2,341,149)
<NET-CHANGE-FROM-OPS> 5,956,911
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (6,740,091)
<DISTRIBUTIONS-OF-GAINS> (269,505)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 108,802,753
<NUMBER-OF-SHARES-REDEEMED> 40,160,472
<SHARES-REINVESTED> 3,047,222
<NET-CHANGE-IN-ASSETS> 70,336,818
<ACCUMULATED-NII-PRIOR> 12,253
<ACCUMULATED-GAINS-PRIOR> 269,505
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 824,075
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1,152,894
<AVERAGE-NET-ASSETS> 109,876,716
<PER-SHARE-NAV-BEGIN> 10.74
<PER-SHARE-NII> .64
<PER-SHARE-GAIN-APPREC> (.13)
<PER-SHARE-DIVIDEND> (.64)
<PER-SHARE-DISTRIBUTIONS> (.08)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.53
<EXPENSE-RATIO> .85
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 20
<NAME> RHODE ISLAND BOND - RETAIL
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 14,369,906
<INVESTMENTS-AT-VALUE> 14,597,021
<RECEIVABLES> 280,820
<ASSETS-OTHER> 121,722
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 14,999,563
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 99,824
<TOTAL-LIABILITIES> 99,824
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 14,611,852
<SHARES-COMMON-STOCK> 1,398,502
<SHARES-COMMON-PRIOR> 1,016,780
<ACCUMULATED-NII-CURRENT> 2,050
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 58,722
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 227,115
<NET-ASSETS> 14,899,739
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 732,497
<OTHER-INCOME> 0
<EXPENSES-NET> 101,712
<NET-INVESTMENT-INCOME> 630,785
<REALIZED-GAINS-CURRENT> 60,733
<APPREC-INCREASE-CURRENT> (40,492)
<NET-CHANGE-FROM-OPS> 651,026
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (630,785)
<DISTRIBUTIONS-OF-GAINS> (59,217)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 10,940,054
<NUMBER-OF-SHARES-REDEEMED> 532,866
<SHARES-REINVESTED> 115,793
<NET-CHANGE-IN-ASSETS> 10,522,981
<ACCUMULATED-NII-PRIOR> 1300
<ACCUMULATED-GAINS-PRIOR> 57,956
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 98,973
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 176,821
<AVERAGE-NET-ASSETS> 13,196,346
<PER-SHARE-NAV-BEGIN> 10.67
<PER-SHARE-NII> .51
<PER-SHARE-GAIN-APPREC> .03
<PER-SHARE-DIVIDEND> (.51)
<PER-SHARE-DISTRIBUTIONS> (.05)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.65
<EXPENSE-RATIO> .77
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 21
<NAME> GROWTH & INCOME - RETAIL
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 223,593,437
<INVESTMENTS-AT-VALUE> 269,626,031
<RECEIVABLES> 4,648,991
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 274,275,022
<PAYABLE-FOR-SECURITIES> 4,604,584
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 624,426
<TOTAL-LIABILITIES> 5,229,010
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 199,670,761
<SHARES-COMMON-STOCK> 5,643,469
<SHARES-COMMON-PRIOR> 4,136,925
<ACCUMULATED-NII-CURRENT> 607,040
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 22,735,617
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 46,032,594
<NET-ASSETS> 269,046,012
<DIVIDEND-INCOME> 6,656,930
<INTEREST-INCOME> 1,166,633
<OTHER-INCOME> 0
<EXPENSES-NET> 2,852,800
<NET-INVESTMENT-INCOME> 4,970,763
<REALIZED-GAINS-CURRENT> 25,439,278
<APPREC-INCREASE-CURRENT> 17,120,059
<NET-CHANGE-FROM-OPS> 47,530,100
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (1,026,722)
<DISTRIBUTIONS-OF-GAINS> (3,122,453)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 26,575,675
<NUMBER-OF-SHARES-REDEEMED> 11,113,016
<SHARES-REINVESTED> 4,114,650
<NET-CHANGE-IN-ASSETS> 19,577,309
<ACCUMULATED-NII-PRIOR> 382,474
<ACCUMULATED-GAINS-PRIOR> 10,900,461
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 1,998,088
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 2,954,016
<AVERAGE-NET-ASSETS> 63,677,700
<PER-SHARE-NAV-BEGIN> 12.35
<PER-SHARE-NII> .21
<PER-SHARE-GAIN-APPREC> 2.16
<PER-SHARE-DIVIDEND> (.21)
<PER-SHARE-DISTRIBUTIONS> (.73)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 13.78
<EXPENSE-RATIO> 1.34
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 21
<NAME> GROWTH & INCOME - TRUST
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 223,593,437
<INVESTMENTS-AT-VALUE> 269,626,031
<RECEIVABLES> 4,648,991
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 274,275,022
<PAYABLE-FOR-SECURITIES> 4,604,584
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 624,426
<TOTAL-LIABILITIES> 5,229,010
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 199,670,761
<SHARES-COMMON-STOCK> 13,533,483
<SHARES-COMMON-PRIOR> 15,299,855
<ACCUMULATED-NII-CURRENT> 607,040
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 22,735,617
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 46,032,594
<NET-ASSETS> 269,046,012
<DIVIDEND-INCOME> 6,656,930
<INTEREST-INCOME> 1,166,633
<OTHER-INCOME> 0
<EXPENSES-NET> 2,852,800
<NET-INVESTMENT-INCOME> 4,970,763
<REALIZED-GAINS-CURRENT> 25,439,278
<APPREC-INCREASE-CURRENT> 17,120,059
<NET-CHANGE-FROM-OPS> 47,530,100
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (3,688,324)
<DISTRIBUTIONS-OF-GAINS> (10,955,643)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 45,240,851
<NUMBER-OF-SHARES-REDEEMED> 80,245,593
<SHARES-REINVESTED> 11,235,662
<NET-CHANGE-IN-ASSETS> (23,769,080)
<ACCUMULATED-NII-PRIOR> 382,474
<ACCUMULATED-GAINS-PRIOR> 10,900,461
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 1,998,088
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 2,954,016
<AVERAGE-NET-ASSETS> 194,794,144
<PER-SHARE-NAV-BEGIN> 12.35
<PER-SHARE-NII> .27
<PER-SHARE-GAIN-APPREC> 2.16
<PER-SHARE-DIVIDEND> (.25)
<PER-SHARE-DISTRIBUTIONS> (.73)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 13.80
<EXPENSE-RATIO> 1.02
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 21
<NAME> GROWTH & INCOME - CDSC
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 223,593,437
<INVESTMENTS-AT-VALUE> 269,626,031
<RECEIVABLES> 4,648,991
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 274,275,022
<PAYABLE-FOR-SECURITIES> 4,604,584
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<OTHER-ITEMS-LIABILITIES> 624,426
<TOTAL-LIABILITIES> 5,229,010
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 199,670,761
<SHARES-COMMON-STOCK> 331,354
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 607,040
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 22,735,617
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 46,032,594
<NET-ASSETS> 269,046,012
<DIVIDEND-INCOME> 6,656,930
<INTEREST-INCOME> 1,166,633
<OTHER-INCOME> 0
<EXPENSES-NET> 2,852,800
<NET-INVESTMENT-INCOME> 4,970,763
<REALIZED-GAINS-CURRENT> 25,439,278
<APPREC-INCREASE-CURRENT> 17,120,059
<NET-CHANGE-FROM-OPS> 47,530,100
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (12,819)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 4,475,967
<NUMBER-OF-SHARES-REDEEMED> 63,831
<SHARES-REINVESTED> 12,313
<NET-CHANGE-IN-ASSETS> 4,424,449
<ACCUMULATED-NII-PRIOR> 382,474
<ACCUMULATED-GAINS-PRIOR> 10,900,461
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 1,998,088
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 2,954,016
<AVERAGE-NET-ASSETS> 1,708,476
<PER-SHARE-NAV-BEGIN> 12.97
<PER-SHARE-NII> .07
<PER-SHARE-GAIN-APPREC> .81
<PER-SHARE-DIVIDEND> (.08)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 13.77
<EXPENSE-RATIO> 1.96
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 22
<NAME> SMALL CAP VALUE - RETAIL
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 144,152,338
<INVESTMENTS-AT-VALUE> 173,064,553
<RECEIVABLES> 356,104
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 173,420,657
<PAYABLE-FOR-SECURITIES> 1,201,702
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 475,213
<TOTAL-LIABILITIES> 1,676,915
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 117,255,655
<SHARES-COMMON-STOCK> 2,332,328
<SHARES-COMMON-PRIOR> 2,173,105
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 25,575,872
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 28,912,215
<NET-ASSETS> 171,743,742
<DIVIDEND-INCOME> 1,841,762
<INTEREST-INCOME> 627,829
<OTHER-INCOME> 0
<EXPENSES-NET> 1,838,049
<NET-INVESTMENT-INCOME> 631,542
<REALIZED-GAINS-CURRENT> 25,576,246
<APPREC-INCREASE-CURRENT> 9,455,938
<NET-CHANGE-FROM-OPS> 35,663,726
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (56,554)
<DISTRIBUTIONS-OF-GAINS> (1,894,554)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 5,161,336
<NUMBER-OF-SHARES-REDEEMED> 5,148,767
<SHARES-REINVESTED> 1,944,464
<NET-CHANGE-IN-ASSETS> 1,957,033
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 10,570,008
<OVERDISTRIB-NII-PRIOR> 18,431
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 1,271,211
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1,901,443
<AVERAGE-NET-ASSETS> 31,490,623
<PER-SHARE-NAV-BEGIN> 12.68
<PER-SHARE-NII> .01
<PER-SHARE-GAIN-APPREC> 2.95
<PER-SHARE-DIVIDEND> (.02)
<PER-SHARE-DISTRIBUTIONS> (.87)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 14.75
<EXPENSE-RATIO> 1.40
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 22
<NAME> SMALL CAP VALUE - TRUST
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 144,152,338
<INVESTMENTS-AT-VALUE> 173,064,553
<RECEIVABLES> 356,104
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 173,420,657
<PAYABLE-FOR-SECURITIES> 1,201,702
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 475,213
<TOTAL-LIABILITIES> 1,676,915
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 117,255,655
<SHARES-COMMON-STOCK> 9,304,295
<SHARES-COMMON-PRIOR> 9,545,199
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 25,575,872
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 28,912,215
<NET-ASSETS> 171,743,742
<DIVIDEND-INCOME> 1,841,762
<INTEREST-INCOME> 627,829
<OTHER-INCOME> 0
<EXPENSES-NET> 1,838,049
<NET-INVESTMENT-INCOME> 631,542
<REALIZED-GAINS-CURRENT> 25,576,246
<APPREC-INCREASE-CURRENT> 9,455,938
<NET-CHANGE-FROM-OPS> 35,663,726
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (661,579)
<DISTRIBUTIONS-OF-GAINS> (8,656,766)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 28,375,657
<NUMBER-OF-SHARES-REDEEMED> 40,560,495
<SHARES-REINVESTED> 8,667,254
<NET-CHANGE-IN-ASSETS> (3,517,584)
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 10,570,008
<OVERDISTRIB-NII-PRIOR> 18,431
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 1,271,211
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1,901,443
<AVERAGE-NET-ASSETS> 133,732,476
<PER-SHARE-NAV-BEGIN> 12.71
<PER-SHARE-NII> .05
<PER-SHARE-GAIN-APPREC> 2.97
<PER-SHARE-DIVIDEND> (.06)
<PER-SHARE-DISTRIBUTIONS> (.91)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 14.76
<EXPENSE-RATIO> 1.05
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 23
<NAME> MASSACHUSETTS MUNI MM
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 46,912,118
<INVESTMENTS-AT-VALUE> 46,912,118
<RECEIVABLES> 266,287
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 47,178,405
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 112,351
<TOTAL-LIABILITIES> 112,351
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 47,078,634
<SHARES-COMMON-STOCK> 47,078,470
<SHARES-COMMON-PRIOR> 40,326,146
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 12,580
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 47,066,054
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 1,429,025
<OTHER-INCOME> 0
<EXPENSES-NET> 258,919
<NET-INVESTMENT-INCOME> 1,170,106
<REALIZED-GAINS-CURRENT> (12,416)
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 1,157,690
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (1,170,106)
<DISTRIBUTIONS-OF-GAINS> 0
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<NUMBER-OF-SHARES-SOLD> 72,519,201
<NUMBER-OF-SHARES-REDEEMED> 66,446,448
<SHARES-REINVESTED> 679,571
<NET-CHANGE-IN-ASSETS> 6,752,324
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 171,619
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 349,467
<AVERAGE-NET-ASSETS> 42,054,868
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> .03
<PER-SHARE-GAIN-APPREC> 0
<PER-SHARE-DIVIDEND> (.03)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> .62
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 24
<NAME> CONNECTICUT MUNI MM
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 110,090,591
<INVESTMENTS-AT-VALUE> 110,090,591
<RECEIVABLES> 693,615
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 110,784,206
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 239,765
<TOTAL-LIABILITIES> 239,765
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 110,560,127
<SHARES-COMMON-STOCK> 110,553,508
<SHARES-COMMON-PRIOR> 102,636,161
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 8,250
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 7,436
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 110,544,441
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 3,610,549
<OTHER-INCOME> 0
<EXPENSES-NET> 673,005
<NET-INVESTMENT-INCOME> 2,937,544
<REALIZED-GAINS-CURRENT> (817)
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 2,936,727
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<DISTRIBUTIONS-OF-INCOME> (2,945,794)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 259,542,285
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<SHARES-REINVESTED> 1,891,469
<NET-CHANGE-IN-ASSETS> 7,917,347
<ACCUMULATED-NII-PRIOR> 0
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<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 429,315
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 766,867
<AVERAGE-NET-ASSETS> 105,166,529
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> .03
<PER-SHARE-GAIN-APPREC> 0
<PER-SHARE-DIVIDEND> (.03)
<PER-SHARE-DISTRIBUTIONS> 0
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<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> .64
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
