HARBOR FUND
NSAR-A, 1996-06-28
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<PAGE>      PAGE  1
000 A000000 04/30/96
000 C000000 0000793769
000 D000000 N
000 E000000 NF
000 F000000 Y
000 G000000 N
000 H000000 N
000 I000000 2.2.a
000 J000000 U
001 A000000 HARBOR FUND
001 B000000 811-4676
001 C000000 4192471940
002 A000000 ONE SEAGATE
002 B000000 TOLEDO
002 C000000 OH
002 D010000 43666
003  000000 N
004  000000 N
005  000000 N
006  000000 N
007 A000000 Y
007 B000000  8
007 C010100  1
007 C020100 HARBOR INTERNATIONAL FUND
007 C030100 N
007 C010200  2
007 C020200 HARBOR GROWTH FUND
007 C030200 N
007 C010300  3
007 C020300 HARBOR CAPITAL APPRECIATION FUND
007 C030300 N
007 C010400  4
007 C020400 HARBOR VALUE FUND
007 C030400 N
007 C010500  5
007 C020500 HARBOR BOND FUND
007 C030500 N
007 C010600  6
007 C020600 HARBOR MONEY MARKET FUND
007 C030600 N
007 C010700  7
007 C020700 HARBOR SHORT DURATION FUND
007 C030700 N
007 C010800  8
007 C020800 HARBOR INTERNATIONAL GROWTH FUND
007 C030800 N
007 C010900  9
007 C011000 10
020 A000001 PACIFIC EQUITY RESEARCH, INC.
020 B000001 13-3360814
020 C000001    516
<PAGE>      PAGE  2
020 A000002 ROCHDALE SEC DOR.
020 C000002    278
020 A000003 ROBERT FLEMING
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020 A000004 MONTGOMERY SECURITIES
020 C000004    161
020 A000005 GOLDMAN SACHSRT
020 C000005    155
020 A000006 MORGAN STANLEY AND CO., INC.
020 C000006    129
020 A000007 SMITH BARNEY SHERSON, INC.
020 C000007    115
020 A000008 SALOMON BROTHERS INC.
020 C000008    106
020 A000009 CAZENOVE INC.
020 C000009     58
020 A000010 W.I. CARR
020 C000010     55
021  000000     2811
022 A000001 GENERAL MOTORS ACCEPTANCE
022 C000001    725846
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022 A000002 PRUDENTIAL SECURITIES INSURANCE
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022 A000003 MERRIL LYNCH PIERCE FENNER &
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022 D000003         0
022 A000004 NATIONS BANK
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022 A000005 J. P. MORGAN
022 C000005    203278
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022 A000006 FIRST CHICAGO
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022 A000008 DENDANSKE COPENHAGEN
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022 A000010 SOCIETW GENERALE
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023 D000000        208
<PAGE>      PAGE  3
077 A000000 Y
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025 A000101 BZW SECURTIES, INC.
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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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008 A000301 JENNISON ASSOCIATES CAPITAL CORP.
008 B000301 S
008 C000301 801-5608
008 D010301 NEW YORK
008 D020301 NY
008 D030301 10017
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<PAGE>      PAGE  10
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<PAGE>      PAGE  11
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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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SIGNATURE   CONSTANCE L. SOUDERS                         
TITLE       SECRETARY           
 


<TABLE> <S> <C>

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   <NUMBER> 1
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</TABLE>

<TABLE> <S> <C>

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   <NAME> GROWTH
       
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</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<SERIES>
   <NUMBER> 3
   <NAME> CAPITAL APPRECIATION
       
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</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<SERIES>
   <NUMBER> 4
   <NAME> INTERNATIONAL
       
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<EXPENSE-RATIO>                                   1.00
<AVG-DEBT-OUTSTANDING>                               0
<AVG-DEBT-PER-SHARE>                                 0
        


</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<SERIES>
   <NUMBER> 5
   <NAME> VALUE
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          OCT-31-1996
<PERIOD-START>                             NOV-01-1995
<PERIOD-END>                               APR-30-1996
<INVESTMENTS-AT-COST>                       95,081,544
<INVESTMENTS-AT-VALUE>                     105,469,520
<RECEIVABLES>                                1,972,257
<ASSETS-OTHER>                                   1,907
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                             107,443,684
<PAYABLE-FOR-SECURITIES>                     2,400,355
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                      132,541
<TOTAL-LIABILITIES>                          2,532,896
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                    87,342,758
<SHARES-COMMON-STOCK>                        6,854,955
<SHARES-COMMON-PRIOR>                        5,800,515
<ACCUMULATED-NII-CURRENT>                      282,915
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                      6,897,139
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                    10,387,976
<NET-ASSETS>                               104,910,788
<DIVIDEND-INCOME>                            1,633,397
<INTEREST-INCOME>                              118,393
<OTHER-INCOME>                                (34,730)
<EXPENSES-NET>                                 419,792
<NET-INVESTMENT-INCOME>                      1,297,268
<REALIZED-GAINS-CURRENT>                     7,067,908
<APPREC-INCREASE-CURRENT>                    5,436,443
<NET-CHANGE-FROM-OPS>                       13,801,619
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                  (1,148,601)
<DISTRIBUTIONS-OF-GAINS>                   (7,407,164)
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                        997,488
<NUMBER-OF-SHARES-REDEEMED>                  (509,086)
<SHARES-REINVESTED>                            566,038
<NET-CHANGE-IN-ASSETS>                      20,396,954
<ACCUMULATED-NII-PRIOR>                        134,248
<ACCUMULATED-GAINS-PRIOR>                    7,236,395
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                          286,183
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                421,208
<AVERAGE-NET-ASSETS>                        96,043,404
<PER-SHARE-NAV-BEGIN>                            14.57
<PER-SHARE-NII>                                   0.20
<PER-SHARE-GAIN-APPREC>                           1.98
<PER-SHARE-DIVIDEND>                            (0.18)
<PER-SHARE-DISTRIBUTIONS>                       (1.27)
<RETURNS-OF-CAPITAL>                              0.00
<PER-SHARE-NAV-END>                              15.30
<EXPENSE-RATIO>                                   0.88
<AVG-DEBT-OUTSTANDING>                               0
<AVG-DEBT-PER-SHARE>                                 0
        


</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<SERIES>
   <NUMBER> 6
   <NAME> BOND
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          OCT-31-1996
<PERIOD-START>                             NOV-01-1995
<PERIOD-END>                               APR-30-1996
<INVESTMENTS-AT-COST>                      264,264,610
<INVESTMENTS-AT-VALUE>                     264,225,379
<RECEIVABLES>                               17,614,275
<ASSETS-OTHER>                                 702,704
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                             282,542,358
<PAYABLE-FOR-SECURITIES>                    42,515,499
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                    1,439,825
<TOTAL-LIABILITIES>                         43,955,324
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                   240,991,742
<SHARES-COMMON-STOCK>                       21,578,541
<SHARES-COMMON-PRIOR>                       19,893,177
<ACCUMULATED-NII-CURRENT>                    3,136,630
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                              0
<OVERDISTRIBUTION-GAINS>                   (3,911,979)
<ACCUM-APPREC-OR-DEPREC>                   (1,629,359)
<NET-ASSETS>                               238,587,034
<DIVIDEND-INCOME>                                    0
<INTEREST-INCOME>                            8,551,424
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                 808,254
<NET-INVESTMENT-INCOME>                      7,743,170
<REALIZED-GAINS-CURRENT>                       135,916
<APPREC-INCREASE-CURRENT>                  (5,030,604)
<NET-CHANGE-FROM-OPS>                        2,848,482
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                  (6,487,186)
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                      5,406,778
<NUMBER-OF-SHARES-REDEEMED>                (4,189,932)
<SHARES-REINVESTED>                            468,518
<NET-CHANGE-IN-ASSETS>                      15,588,621
<ACCUMULATED-NII-PRIOR>                      1,880,646
<ACCUMULATED-GAINS-PRIOR>                            0
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                 (4,047,895)
<GROSS-ADVISORY-FEES>                          817,212
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                              1,093,752
<AVERAGE-NET-ASSETS>                       234,772,106
<PER-SHARE-NAV-BEGIN>                            11.21
<PER-SHARE-NII>                                   0.37
<PER-SHARE-GAIN-APPREC>                         (0.20)
<PER-SHARE-DIVIDEND>                            (0.32)
<PER-SHARE-DISTRIBUTIONS>                         0.00
<RETURNS-OF-CAPITAL>                              0.00
<PER-SHARE-NAV-END>                              11.06
<EXPENSE-RATIO>                                   0.69
<AVG-DEBT-OUTSTANDING>                               0
<AVG-DEBT-PER-SHARE>                                 0
        


</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<SERIES>
   <NUMBER> 7
   <NAME> SHORT DURATION
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          OCT-31-1996
<PERIOD-START>                             NOV-01-1995
<PERIOD-END>                               APR-30-1996
<INVESTMENTS-AT-COST>                      137,082,016
<INVESTMENTS-AT-VALUE>                     136,139,235
<RECEIVABLES>                                6,065,552
<ASSETS-OTHER>                                  15,198
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                             142,219,985
<PAYABLE-FOR-SECURITIES>                    12,419,926
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                   25,870,317
<TOTAL-LIABILITIES>                         38,290,243
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                   104,924,062
<SHARES-COMMON-STOCK>                       11,968,115
<SHARES-COMMON-PRIOR>                       11,902,507
<ACCUMULATED-NII-CURRENT>                            0
<OVERDISTRIBUTION-NII>                       (376,445)
<ACCUMULATED-NET-GAINS>                        385,345
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                   (1,003,220)
<NET-ASSETS>                               103,929,742
<DIVIDEND-INCOME>                                    0
<INTEREST-INCOME>                            4,566,390
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                 783,272
<NET-INVESTMENT-INCOME>                      3,783,118
<REALIZED-GAINS-CURRENT>                     (435,403)
<APPREC-INCREASE-CURRENT>                    (879,098)
<NET-CHANGE-FROM-OPS>                        2,468,617
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                  (4,661,220)
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                     22,729,843
<NUMBER-OF-SHARES-REDEEMED>               (23,194,658)
<SHARES-REINVESTED>                            530,423
<NET-CHANGE-IN-ASSETS>                     (1,076,874)
<ACCUMULATED-NII-PRIOR>                        501,657
<ACCUMULATED-GAINS-PRIOR>                      820,748
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                          250,613
<INTEREST-EXPENSE>                             590,076
<GROSS-EXPENSE>                                335,504
<AVERAGE-NET-ASSETS>                       125,995,221
<PER-SHARE-NAV-BEGIN>                             8.82
<PER-SHARE-NII>                                   0.23
<PER-SHARE-GAIN-APPREC>                         (0.06)
<PER-SHARE-DIVIDEND>                            (0.31)
<PER-SHARE-DISTRIBUTIONS>                         0.00
<RETURNS-OF-CAPITAL>                              0.00
<PER-SHARE-NAV-END>                               8.68
<EXPENSE-RATIO>                                   0.31
<AVG-DEBT-OUTSTANDING>                               0
<AVG-DEBT-PER-SHARE>                                 0
        


</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<SERIES>
   <NUMBER> 8
   <NAME> MONEY MARKET
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          OCT-31-1996
<PERIOD-START>                             NOV-01-1995
<PERIOD-END>                               APR-30-1996
<INVESTMENTS-AT-COST>                       60,483,046
<INVESTMENTS-AT-VALUE>                      60,483,046
<RECEIVABLES>                                  333,086
<ASSETS-OTHER>                                  16,492
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                              60,832,624
<PAYABLE-FOR-SECURITIES>                             0
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                      356,789
<TOTAL-LIABILITIES>                            356,789
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                    60,475,835
<SHARES-COMMON-STOCK>                       60,475,835
<SHARES-COMMON-PRIOR>                       64,491,718
<ACCUMULATED-NII-CURRENT>                            0
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                              0
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                             0
<NET-ASSETS>                                60,475,835
<DIVIDEND-INCOME>                                    0
<INTEREST-INCOME>                            1,680,577
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                 188,439
<NET-INVESTMENT-INCOME>                      1,492,138
<REALIZED-GAINS-CURRENT>                        27,986
<APPREC-INCREASE-CURRENT>                            0
<NET-CHANGE-FROM-OPS>                        1,520,124
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                  (1,492,138)
<DISTRIBUTIONS-OF-GAINS>                      (27,986)
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                     44,288,322
<NUMBER-OF-SHARES-REDEEMED>               (49,764,875)
<SHARES-REINVESTED>                          1,460,670
<NET-CHANGE-IN-ASSETS>                     (4,015,883)
<ACCUMULATED-NII-PRIOR>                              0
<ACCUMULATED-GAINS-PRIOR>                            0
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                           91,035
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                228,998
<AVERAGE-NET-ASSETS>                        61,023,687
<PER-SHARE-NAV-BEGIN>                             1.00
<PER-SHARE-NII>                                   0.02
<PER-SHARE-GAIN-APPREC>                           0.00
<PER-SHARE-DIVIDEND>                            (0.02)
<PER-SHARE-DISTRIBUTIONS>                         0.00
<RETURNS-OF-CAPITAL>                              0.00
<PER-SHARE-NAV-END>                               1.00
<EXPENSE-RATIO>                                   0.62
<AVG-DEBT-OUTSTANDING>                               0
<AVG-DEBT-PER-SHARE>                                 0
        


</TABLE>


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