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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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008 A000901 SUMMIT INTERNATIONAL INVESTMENTS, INC.
008 B000901 S
008 C000901 801-51305
008 D010901 BOSTON
008 D020901 MA
008 D030901 02110
024 000900 Y
025 A000901 BZW SECURITIES, INC.
025 B000901 13-3297824
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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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SIGNATURE CONSTANCE L. SOUDERS
TITLE SECRETARY
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM (A)
HARBOR
FUND'S ANNUAL REPORT TO SHAREHOLDERS FILED ON FORM N-30D ON DEC. 26, 1996
(FILE
NO. 811-04676) AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH (B)
FINANCIAL STATEMENTS.
</LEGEND>
<SERIES>
<NUMBER> 1
<NAME> HARBOR INTERNATIONAL GROWTH FUND
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-START> NOV-01-1995
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 425,026
<INVESTMENTS-AT-VALUE> 479,066
<RECEIVABLES> 1,829
<ASSETS-OTHER> 512
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 481,407
<PAYABLE-FOR-SECURITIES> 1,510
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 928
<TOTAL-LIABILITIES> 2,438
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 409,465
<SHARES-COMMON-STOCK> 31,211
<SHARES-COMMON-PRIOR> 10,113
<ACCUMULATED-NII-CURRENT> 2,716
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 12,746
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 54,042
<NET-ASSETS> 478,969
<DIVIDEND-INCOME> 6,031
<INTEREST-INCOME> 592
<OTHER-INCOME> (604)
<EXPENSES-NET> 3,174
<NET-INVESTMENT-INCOME> 2,845
<REALIZED-GAINS-CURRENT> 16,393
<APPREC-INCREASE-CURRENT> 40,691
<NET-CHANGE-FROM-OPS> 59,929
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (1,243)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 25,679
<NUMBER-OF-SHARES-REDEEMED> (4,669)
<SHARES-REINVESTED> 88
<NET-CHANGE-IN-ASSETS> 356,554
<ACCUMULATED-NII-PRIOR> 1,094
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> (3,632)
<GROSS-ADVISORY-FEES> 2,141
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 3,193
<AVERAGE-NET-ASSETS> 287,452
<PER-SHARE-NAV-BEGIN> 12.10
<PER-SHARE-NII> 0.14
<PER-SHARE-GAIN-APPREC> 3.22
<PER-SHARE-DIVIDEND> (0.11)
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<PER-SHARE-NAV-END> 15.35
<EXPENSE-RATIO> 1.10
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 2
<NAME> HARBOR GROWTH FUND
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-START> NOV-01-1995
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 90,737
<INVESTMENTS-AT-VALUE> 112,135
<RECEIVABLES> 1,545
<ASSETS-OTHER> 78
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 113,758
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<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 247
<TOTAL-LIABILITIES> 247
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 63,625
<SHARES-COMMON-STOCK> 7,092
<SHARES-COMMON-PRIOR> 8,742
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 28,488
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 21,398
<NET-ASSETS> 113,511
<DIVIDEND-INCOME> 329
<INTEREST-INCOME> 234
<OTHER-INCOME> (4)
<EXPENSES-NET> 1,212
<NET-INVESTMENT-INCOME> (653)
<REALIZED-GAINS-CURRENT> 29,141
<APPREC-INCREASE-CURRENT> (10,004)
<NET-CHANGE-FROM-OPS> 18,484
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> (15,306)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 1,935
<NUMBER-OF-SHARES-REDEEMED> (4,610)
<SHARES-REINVESTED> 1,025
<NET-CHANGE-IN-ASSETS> (24,013)
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 15,313
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 981
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1,221
<AVERAGE-NET-ASSETS> 131,072
<PER-SHARE-NAV-BEGIN> 15.73
<PER-SHARE-NII> (0.08)
<PER-SHARE-GAIN-APPREC> 2.20
<PER-SHARE-DIVIDEND> 0.00
<PER-SHARE-DISTRIBUTIONS> (1.85)
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 16.00
<EXPENSE-RATIO> 0.92
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 3
<NAME> HARBOR CAPITAL APPRECIATION FUND
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-START> NOV-01-1995
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 1,272,162
<INVESTMENTS-AT-VALUE> 1,583,331
<RECEIVABLES> 19,015
<ASSETS-OTHER> 26
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 1,602,372
<PAYABLE-FOR-SECURITIES> 16,421
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 2,736
<TOTAL-LIABILITIES> 19,157
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 1,222,961
<SHARES-COMMON-STOCK> 61,174
<SHARES-COMMON-PRIOR> 39,898
<ACCUMULATED-NII-CURRENT> 899
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 48,187
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 311,168
<NET-ASSETS> 1,583,215
<DIVIDEND-INCOME> 9,397
<INTEREST-INCOME> 1,792
<OTHER-INCOME> (299)
<EXPENSES-NET> 9,545
<NET-INVESTMENT-INCOME> 1,345
<REALIZED-GAINS-CURRENT> 49,265
<APPREC-INCREASE-CURRENT> 115,877
<NET-CHANGE-FROM-OPS> 166,487
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (1,102)
<DISTRIBUTIONS-OF-GAINS> (13,411)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 33,867
<NUMBER-OF-SHARES-REDEEMED> (13,136)
<SHARES-REINVESTED> 545
<NET-CHANGE-IN-ASSETS> 657,464
<ACCUMULATED-NII-PRIOR> 944
<ACCUMULATED-GAINS-PRIOR> 12,047
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 7,627
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 9,576
<AVERAGE-NET-ASSETS> 1,277,531
<PER-SHARE-NAV-BEGIN> 23.20
<PER-SHARE-NII> 0.02
<PER-SHARE-GAIN-APPREC> 3.00
<PER-SHARE-DIVIDEND> (0.03)
<PER-SHARE-DISTRIBUTIONS> (0.31)
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 25.88
<EXPENSE-RATIO> 0.75
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 4
<NAME> HARBOR INTERNATIONAL FUND II
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 5-MOS
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-START> JUN-01-1996
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 12,458
<INVESTMENTS-AT-VALUE> 12,667
<RECEIVABLES> 69
<ASSETS-OTHER> 58
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 12,794
<PAYABLE-FOR-SECURITIES> 172
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 49
<TOTAL-LIABILITIES> 221
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 12,279
<SHARES-COMMON-STOCK> 1,201
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 17
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 68
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 209
<NET-ASSETS> 12,573
<DIVIDEND-INCOME> 41
<INTEREST-INCOME> 18
<OTHER-INCOME> (4)
<EXPENSES-NET> 43
<NET-INVESTMENT-INCOME> 12
<REALIZED-GAINS-CURRENT> 72
<APPREC-INCREASE-CURRENT> 209
<NET-CHANGE-FROM-OPS> 293
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 1,259
<NUMBER-OF-SHARES-REDEEMED> (58)
<SHARES-REINVESTED> 0
<NET-CHANGE-IN-ASSETS> 12,573
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 23
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 52
<AVERAGE-NET-ASSETS> 7,203
<PER-SHARE-NAV-BEGIN> 10.00
<PER-SHARE-NII> 0.01
<PER-SHARE-GAIN-APPREC> 0.46
<PER-SHARE-DIVIDEND> 0.00
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 10.47
<EXPENSE-RATIO> 1.44
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 5
<NAME> HARBOR INTERNATIONAL FUND
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-START> NOV-01-1995
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 2,784,379
<INVESTMENTS-AT-VALUE> 4,026,372
<RECEIVABLES> 12,582
<ASSETS-OTHER> 1,029
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 4,039,983
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 9,856
<TOTAL-LIABILITIES> 9,856
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 2,634,194
<SHARES-COMMON-STOCK> 129,126
<SHARES-COMMON-PRIOR> 121,339
<ACCUMULATED-NII-CURRENT> 50,361
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 103,329
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 1,242,243
<NET-ASSETS> 4,030,127
<DIVIDEND-INCOME> 87,826
<INTEREST-INCOME> 11,488
<OTHER-INCOME> (9,559)
<EXPENSES-NET> 36,922
<NET-INVESTMENT-INCOME> 52,833
<REALIZED-GAINS-CURRENT> 103,423
<APPREC-INCREASE-CURRENT> 448,771
<NET-CHANGE-FROM-OPS> 605,027
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (49,438)
<DISTRIBUTIONS-OF-GAINS> (15,558)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 20,382
<NUMBER-OF-SHARES-REDEEMED> (14,625)
<SHARES-REINVESTED> 2,030
<NET-CHANGE-IN-ASSETS> 762,970
<ACCUMULATED-NII-PRIOR> 46,408
<ACCUMULATED-GAINS-PRIOR> 15,434
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 31,658
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 38,704
<AVERAGE-NET-ASSETS> 3,724,445
<PER-SHARE-NAV-BEGIN> 26.93
<PER-SHARE-NII> 0.41
<PER-SHARE-GAIN-APPREC> 4.41
<PER-SHARE-DIVIDEND> (0.41)
<PER-SHARE-DISTRIBUTIONS> (0.13)
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 31.21
<EXPENSE-RATIO> 0.99
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 6
<NAME> HARBOR VALUE FUND
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-START> NOV-01-1995
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 102,354
<INVESTMENTS-AT-VALUE> 111,076
<RECEIVABLES> 2,763
<ASSETS-OTHER> 654
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 114,493
<PAYABLE-FOR-SECURITIES> 2,202
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 182
<TOTAL-LIABILITIES> 2,384
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 89,351
<SHARES-COMMON-STOCK> 6,989
<SHARES-COMMON-PRIOR> 5,800
<ACCUMULATED-NII-CURRENT> 199
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 13,837
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 8,722
<NET-ASSETS> 112,109
<DIVIDEND-INCOME> 3,406
<INTEREST-INCOME> 226
<OTHER-INCOME> (61)
<EXPENSES-NET> 851
<NET-INVESTMENT-INCOME> 2,720
<REALIZED-GAINS-CURRENT> 14,008
<APPREC-INCREASE-CURRENT> 3,771
<NET-CHANGE-FROM-OPS> 20,499
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (2,656)
<DISTRIBUTIONS-OF-GAINS> (7,407)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 1,611
<NUMBER-OF-SHARES-REDEEMED> (1,080)
<SHARES-REINVESTED> 658
<NET-CHANGE-IN-ASSETS> 27,595
<ACCUMULATED-NII-PRIOR> 134
<ACCUMULATED-GAINS-PRIOR> 7,236
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 613
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 853
<AVERAGE-NET-ASSETS> 102,509
<PER-SHARE-NAV-BEGIN> 14.57
<PER-SHARE-NII> 0.40
<PER-SHARE-GAIN-APPREC> 2.74
<PER-SHARE-DIVIDEND> (0.40)
<PER-SHARE-DISTRIBUTIONS> (1.27)
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 16.04
<EXPENSE-RATIO> 0.83
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 7
<NAME> HARBOR BOND FUND
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-START> NOV-01-1995
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 319,736
<INVESTMENTS-AT-VALUE> 323,934
<RECEIVABLES> 54,518
<ASSETS-OTHER> 23
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 378,475
<PAYABLE-FOR-SECURITIES> 83,604
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 15,022
<TOTAL-LIABILITIES> 98,626
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 276,226
<SHARES-COMMON-STOCK> 24,799
<SHARES-COMMON-PRIOR> 19,893
<ACCUMULATED-NII-CURRENT> 1,684
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> (7,099)
<ACCUM-APPREC-OR-DEPREC> 9,038
<NET-ASSETS> 279,849
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 17,465
<OTHER-INCOME> 0
<EXPENSES-NET> 1,713
<NET-INVESTMENT-INCOME> 15,752
<REALIZED-GAINS-CURRENT> (2,713)
<APPREC-INCREASE-CURRENT> 5,637
<NET-CHANGE-FROM-OPS> 18,676
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (16,286)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 11,140
<NUMBER-OF-SHARES-REDEEMED> (7,447)
<SHARES-REINVESTED> 1,213
<NET-CHANGE-IN-ASSETS> 56,851
<ACCUMULATED-NII-PRIOR> 1,881
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> (4,048)
<GROSS-ADVISORY-FEES> 1,722
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 2,315
<AVERAGE-NET-ASSETS> 246,021
<PER-SHARE-NAV-BEGIN> 11.21
<PER-SHARE-NII> 0.72
<PER-SHARE-GAIN-APPREC> 0.09
<PER-SHARE-DIVIDEND> (0.74)
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 11.28
<EXPENSE-RATIO> 0.70
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 8
<NAME> HARBOR SHORT DURATION FUND
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-START> NOV-01-1995
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 252,042
<INVESTMENTS-AT-VALUE> 254,137
<RECEIVABLES> 133,188
<ASSETS-OTHER> 24,924
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 412,249
<PAYABLE-FOR-SECURITIES> 83,486
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 146,465
<TOTAL-LIABILITIES> 229,951
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 203,404
<SHARES-COMMON-STOCK> 20,743
<SHARES-COMMON-PRIOR> 11,902
<ACCUMULATED-NII-CURRENT> 636
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> (22,870)
<ACCUM-APPREC-OR-DEPREC> 1,128
<NET-ASSETS> 182,298
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 11,386
<OTHER-INCOME> 0
<EXPENSES-NET> 2,150
<NET-INVESTMENT-INCOME> 9,236
<REALIZED-GAINS-CURRENT> (764)
<APPREC-INCREASE-CURRENT> 1,252
<NET-CHANGE-FROM-OPS> 9,724
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (9,846)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> (600)
<NUMBER-OF-SHARES-SOLD> 52,668
<NUMBER-OF-SHARES-REDEEMED> (45,019)
<SHARES-REINVESTED> 1,192
<NET-CHANGE-IN-ASSETS> 77,291
<ACCUMULATED-NII-PRIOR> 502
<ACCUMULATED-GAINS-PRIOR> 821
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 541
<INTEREST-EXPENSE> 1,702
<GROSS-EXPENSE> 741
<AVERAGE-NET-ASSETS> 135,120
<PER-SHARE-NAV-BEGIN> 8.82
<PER-SHARE-NII> 0.63
<PER-SHARE-GAIN-APPREC> (0.02)
<PER-SHARE-DIVIDEND> (0.64)
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 8.79
<EXPENSE-RATIO> 0.33
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 9
<NAME> HARBOR MONEY MARKET FUND
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-START> NOV-01-1995
<PERIOD-END> OCT-31-1996
<INVESTMENTS-AT-COST> 65,975
<INVESTMENTS-AT-VALUE> 65,975
<RECEIVABLES> 341
<ASSETS-OTHER> 24
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 66,340
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 349
<TOTAL-LIABILITIES> 349
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 65,991
<SHARES-COMMON-STOCK> 65,991
<SHARES-COMMON-PRIOR> 64,492
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 65,991
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 3,427
<OTHER-INCOME> 0
<EXPENSES-NET> 398
<NET-INVESTMENT-INCOME> 3,029
<REALIZED-GAINS-CURRENT> 80
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 3,109
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (3,029)
<DISTRIBUTIONS-OF-GAINS> (80)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 86,059
<NUMBER-OF-SHARES-REDEEMED> (87,557)
<SHARES-REINVESTED> 2,997
<NET-CHANGE-IN-ASSETS> 1,499
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 187
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 476
<AVERAGE-NET-ASSETS> 62,468
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> 0.05
<PER-SHARE-GAIN-APPREC> 0.00
<PER-SHARE-DIVIDEND> (0.05)
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> 0.64
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
December 16, 1996
To the Board of Trustees of Harbor Fund
In planning and performing our audits of the financial
statements of each of the nine Funds constituting the Harbor
Fund (hereafter referred to as the "Trust") for the year
ended October 31, 1996, we considered their internal
structure, including procedures for safeguarding securities,
in order to determine our auditing procedures for the
purposes of expressing our opinion on the financial
statements and to comply with the requirements for Form N
SAR, and not to provide assurance on the internal control
structure.
The management of the Trust is responsible for establishing
and maintaining an internal control structure. In
fulfilling this responsibility, estimates and judgments by
management are required to assess the expected benefits and
related costs of internal control structure policies and
procedures. Two of the objectives of an internal control
structure are to provide management with reasonable, but not
absolute, assurance that assets are appropriately
safeguarded against loss from unauthorized use or
disposition and that transactions are executed in accordance
with management's authorization and recorded properly to
permit preparation of financial statements in conformity
with generally accepted accounting principles.
Because of inherent limitations in any internal control
structure, errors or irregularities may occur and not be
detected. Also, projection of any evaluation of the
structure to future periods is subject to the risk that it
may become inadequate because of changes in conditions or
that the effectiveness of the design and operation may
deteriorate.
Our consideration of the internal control structure would
not necessarily disclose all matters in the internal control
structure that might be material weaknesses under standards
established by the American Institute of Certified Public
Accountants. A material weakness is a condition in which
the design or operation of the specific internal control
structure elements does not reduce to a relatively low level
the risk that errors or irregularities in amounts that would
be material in relation to the financial statements being
audited may occur and not be detected within a timely period
by employees in the normal course of performing their
assigned functions. However, we noted that no matters
involving the internal control structure, including
procedures for safeguarding securities, that we consider to
be material weaknesses as defined above as of October 31,
1996.
This report is intended solely for the information and use
of management and the Securities and Exchange Commission.
PRICE WATERHOUSE LLP
