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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 28
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<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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<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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<PAGE> PAGE 39
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<PAGE> PAGE 40
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028 D010900 6536
028 D020900 358
028 D030900 0
028 D040900 6754
028 E010900 10672
028 E020900 367
028 E030900 0
028 E040900 5771
028 F010900 7014
028 F020900 440
028 F030900 0
028 F040900 9776
028 G010900 48251
028 G020900 2185
028 G030900 0
028 G040900 48283
028 H000900 0
045 000900 Y
046 000900 N
047 000900 Y
048 000900 0.300
048 A010900 0
048 A020900 0.000
048 B010900 0
<PAGE> PAGE 41
048 B020900 0.000
048 C010900 0
048 C020900 0.000
048 D010900 0
048 D020900 0.000
048 E010900 0
048 E020900 0.000
048 F010900 0
048 F020900 0.000
048 G010900 0
048 G020900 0.000
048 H010900 0
048 H020900 0.000
048 I010900 0
048 I020900 0.000
048 J010900 0
048 J020900 0.000
048 K010900 0
048 K020900 0.000
049 000900 N
050 000900 N
051 000900 N
052 000900 N
053 A000900 Y
053 B000900 Y
053 C000900 N
062 A000900 Y
062 B000900 0.0
062 C000900 0.0
062 D000900 1.7
062 E000900 0.0
062 F000900 0.0
062 G000900 45.2
062 H000900 0.0
062 I000900 49.3
062 J000900 0.0
062 K000900 0.0
062 L000900 2.5
062 M000900 0.0
062 N000900 0.0
062 O000900 0.0
062 P000900 0.0
062 Q000900 0.0
062 R000900 0.0
063 A000900 72
063 B000900 0.0
064 A000900 N
064 B000900 N
066 A000900 N
067 000900 N
068 A000900 N
<PAGE> PAGE 42
068 B000900 N
069 000900 N
070 A010900 Y
070 A020900 Y
070 B010900 N
070 B020900 N
070 C010900 N
070 C020900 N
070 D010900 N
070 D020900 N
070 E010900 N
070 E020900 N
070 F010900 N
070 F020900 N
070 G010900 N
070 G020900 N
070 H010900 N
070 H020900 N
070 I010900 N
070 I020900 N
070 J010900 Y
070 J020900 Y
070 K010900 Y
070 K020900 N
070 L010900 Y
070 L020900 Y
070 M010900 N
070 M020900 N
070 N010900 Y
070 N020900 N
070 O010900 N
070 O020900 N
070 P010900 N
070 P020900 N
070 Q010900 N
070 Q020900 N
070 R010900 Y
070 R020900 N
071 A000900 0
071 B000900 0
071 C000900 0
071 D000900 0
072 A000900 12
072 B000900 4930
072 C000900 0
072 D000900 0
072 E000900 0
072 F000900 284
072 G000900 0
072 H000900 0
072 I000900 176
<PAGE> PAGE 43
072 J000900 35
072 K000900 0
072 L000900 8
072 M000900 2
072 N000900 20
072 O000900 0
072 P000900 0
072 Q000900 0
072 R000900 11
072 S000900 11
072 T000900 0
072 U000900 0
072 V000900 0
072 W000900 7
072 X000900 554
072 Y000900 118
072 Z000900 4494
072AA000900 0
072BB000900 9
072CC010900 0
072CC020900 0
072DD010900 4485
072DD020900 0
072EE000900 0
073 A010900 0.0500
073 A020900 0.0000
073 B000900 0.0000
073 C000900 0.0000
074 A000900 0
074 B000900 1691
074 C000900 94335
074 D000900 0
074 E000900 0
074 F000900 0
074 G000900 0
074 H000900 0
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074 L000900 1653
074 M000900 13
074 N000900 97692
074 O000900 0
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074 R020900 0
074 R030900 0
074 R040900 400
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<PAGE> PAGE 44
074 U010900 97265
074 U020900 0
074 V010900 1.00
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075 B000900 0
076 000900 0.00
SIGNATURE KAREN B. WASIL
TITLE SECRETARY
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
This schedule contains summary financial information extracted from the 1999
Harbor Fund Annual Report to Shareholders on Form N30-D (File No. 811-04676) and
is qualified in its entirety by reference to such financial statements.
</LEGEND>
<SERIES>
<NUMBER> 1
<NAME> HARBOR GROWTH FUND
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> OCT-31-1999
<PERIOD-START> NOV-01-1998
<PERIOD-END> OCT-31-1999
<INVESTMENTS-AT-COST> 92,157
<INVESTMENTS-AT-VALUE> 145,522
<RECEIVABLES> 570
<ASSETS-OTHER> 16
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 146,108
<PAYABLE-FOR-SECURITIES> 420
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 439
<TOTAL-LIABILITIES> 859
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 81,443
<SHARES-COMMON-STOCK> 8,290
<SHARES-COMMON-PRIOR> 8,147
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 10,441
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 53,365
<NET-ASSETS> 145,249
<DIVIDEND-INCOME> 51
<INTEREST-INCOME> 338
<OTHER-INCOME> 0
<EXPENSES-NET> 961
<NET-INVESTMENT-INCOME> (572)
<REALIZED-GAINS-CURRENT> 11,014
<APPREC-INCREASE-CURRENT> 51,584
<NET-CHANGE-FROM-OPS> 62,026
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> (8,237)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 2,152
<NUMBER-OF-SHARES-REDEEMED> (2,657)
<SHARES-REINVESTED> 648
<NET-CHANGE-IN-ASSETS> 57,219
<ACCUMULATED-NII-PRIOR> (326)
<ACCUMULATED-GAINS-PRIOR> 8,582
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 796
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 962
<AVERAGE-NET-ASSETS> 106,474
<PER-SHARE-NAV-BEGIN> 10.81
<PER-SHARE-NII> (0.07)
<PER-SHARE-GAIN-APPREC> 7.85
<PER-SHARE-DIVIDEND> 0
<PER-SHARE-DISTRIBUTIONS> (1.07)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 17.52
<EXPENSE-RATIO> 0.90
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
This schedule contains summary financial information extracted from the 1999
Harbor Fund Annual Report to Shareholders on Form N30-D (File No. 811-04676) and
is qualified in its entirety by reference to such financial statements.
</LEGEND>
<SERIES>
<NUMBER> 2
<NAME> HARBOR INTERNATIONAL GROWTH FUND
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> OCT-31-1999
<PERIOD-START> NOV-01-1998
<PERIOD-END> OCT-31-1999
<INVESTMENTS-AT-COST> 1,219,967
<INVESTMENTS-AT-VALUE> 1,377,677
<RECEIVABLES> 11,067
<ASSETS-OTHER> 23
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 1,388,767
<PAYABLE-FOR-SECURITIES> 3,949
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 2,305
<TOTAL-LIABILITIES> 6,254
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 1,116,939
<SHARES-COMMON-STOCK> 72,280
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 9,896
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 98,527
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 157,151
<NET-ASSETS> 1,382,513
<DIVIDEND-INCOME> 23,842
<INTEREST-INCOME> 1,863
<OTHER-INCOME> 0
<EXPENSES-NET> 12,176
<NET-INVESTMENT-INCOME> 10,391
<REALIZED-GAINS-CURRENT> 99,609
<APPREC-INCREASE-CURRENT> (19,524)
<NET-CHANGE-FROM-OPS> 90,476
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (7,338)
<DISTRIBUTIONS-OF-GAINS> (18,126)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 25,299
<NUMBER-OF-SHARES-REDEEMED> (19,407)
<SHARES-REINVESTED> 1,198
<NET-CHANGE-IN-ASSETS> 204,261
<ACCUMULATED-NII-PRIOR> 6,786
<ACCUMULATED-GAINS-PRIOR> 20,985
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 10,025
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 12,190
<AVERAGE-NET-ASSETS> 1,338,173
<PER-SHARE-NAV-BEGIN> 18.07
<PER-SHARE-NII> 0.14
<PER-SHARE-GAIN-APPREC> 1.30
<PER-SHARE-DIVIDEND> (0.11)
<PER-SHARE-DISTRIBUTIONS> (0.27)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 19.13
<EXPENSE-RATIO> 0.91
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
This schedule contains summary financial information extracted from the 1999
Harbor Fund Annual Report to Shareholders on Form N30-D (File No. 811-04676)
and is qualified in its entirety by reference to such financial statements.
</LEGEND>
<SERIES>
<NUMBER> 3
<NAME> HARBOR CAPITAL APPRECIATION FUND
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> OCT-31-1999
<PERIOD-START> NOV-01-1998
<PERIOD-END> OCT-31-1999
<INVESTMENTS-AT-COST> 4,537,461
<INVESTMENTS-AT-VALUE> 6,477,515
<RECEIVABLES> 52,489
<ASSETS-OTHER> 21
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 6,530,025
<PAYABLE-FOR-SECURITIES> 31,544
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 13,680
<TOTAL-LIABILITIES> 45,224
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 3,893,438
<SHARES-COMMON-STOCK> 138,218
<SHARES-COMMON-PRIOR> 7,361
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 651,309
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 1,940,054
<NET-ASSETS> 6,484,801
<DIVIDEND-INCOME> 26,874
<INTEREST-INCOME> 6,250
<OTHER-INCOME> 0
<EXPENSES-NET> 35,892
<NET-INVESTMENT-INCOME> (2,903)
<REALIZED-GAINS-CURRENT> 742,363
<APPREC-INCREASE-CURRENT> 1,215,136
<NET-CHANGE-FROM-OPS> 1,954,596
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (7,562)
<DISTRIBUTIONS-OF-GAINS> (264,694)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 47,912
<NUMBER-OF-SHARES-REDEEMED> (30,604)
<SHARES-REINVESTED> 6,509
<NET-CHANGE-IN-ASSETS> 2,651,203
<ACCUMULATED-NII-PRIOR> 8,271
<ACCUMULATED-GAINS-PRIOR> 261,400
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 32,770
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 35,950
<AVERAGE-NET-ASSETS> 5,477,830
<PER-SHARE-NAV-BEGIN> 33.51
<PER-SHARE-NII> (0.02)
<PER-SHARE-GAIN-APPREC> 15.78
<PER-SHARE-DIVIDEND> (0.07)
<PER-SHARE-DISTRIBUTIONS> (2.28)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 46.92
<EXPENSE-RATIO> 0.65
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
This schedule contains summary financial information extracted from the 1999
Harbor Fund Annual Report to Shareholders on Form N30-D (File No. 811-04676)
and is qualified in its entirety by reference to such financial statements.
</LEGEND>
<SERIES>
<NUMBER> 4
<NAME> HARBOR INTERNATIONAL FUND II
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> OCT-31-1999
<PERIOD-START> NOV-01-1998
<PERIOD-END> OCT-31-1999
<INVESTMENTS-AT-COST> 101,344
<INVESTMENTS-AT-VALUE> 116,489
<RECEIVABLES> 10,220
<ASSETS-OTHER> 20
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 126,729
<PAYABLE-FOR-SECURITIES> 11,784
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 154
<TOTAL-LIABILITIES> 11,938
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 98,421
<SHARES-COMMON-STOCK> 8,297
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 1,330
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 4,890
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 10,150
<NET-ASSETS> 114,791
<DIVIDEND-INCOME> 2,879
<INTEREST-INCOME> 99
<OTHER-INCOME> 0
<EXPENSES-NET> 1,075
<NET-INVESTMENT-INCOME> 1,587
<REALIZED-GAINS-CURRENT> 13,307
<APPREC-INCREASE-CURRENT> 10,367
<NET-CHANGE-FROM-OPS> 25,261
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (1,621)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 4,982
<NUMBER-OF-SHARES-REDEEMED> (6,816)
<SHARES-REINVESTED> 126
<NET-CHANGE-IN-ASSETS> 2,122
<ACCUMULATED-NII-PRIOR> 1,159
<ACCUMULATED-GAINS-PRIOR> (8,241)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 875
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1,192
<AVERAGE-NET-ASSETS> 117,019
<PER-SHARE-NAV-BEGIN> 11.26
<PER-SHARE-NII> 0.18
<PER-SHARE-GAIN-APPREC> 2.54
<PER-SHARE-DIVIDEND> (0.15)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 13.83
<EXPENSE-RATIO> 0.92
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
This schedule contains summary financial information extracted from the 1999
Harbor Fund Annual Report to Shareholders on Form N30-D (File No. 811-04676)
and is qualified in its entirety by reference to such financial statements.
</LEGEND>
<SERIES>
<NUMBER> 5
<NAME> HARBOR INTERNATIONAL FUND
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> OCT-31-1999
<PERIOD-START> NOV-01-1998
<PERIOD-END> OCT-31-1999
<INVESTMENTS-AT-COST> 3,107,123
<INVESTMENTS-AT-VALUE> 5,348,794
<RECEIVABLES> 22,260
<ASSETS-OTHER> 11
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 5,371,065
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 10,041
<TOTAL-LIABILITIES> 10,041
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 2,675,749
<SHARES-COMMON-STOCK> 131,841
<SHARES-COMMON-PRIOR> 65,190
<ACCUMULATED-NII-CURRENT> 75,231
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 370,007
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 2,240,037
<NET-ASSETS> 5,361,024
<DIVIDEND-INCOME> 138,649
<INTEREST-INCOME> 14,439
<OTHER-INCOME> 0
<EXPENSES-NET> 49,221
<NET-INVESTMENT-INCOME> 88,209
<REALIZED-GAINS-CURRENT> 370,001
<APPREC-INCREASE-CURRENT> 442,102
<NET-CHANGE-FROM-OPS> 900,312
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (78,627)
<DISTRIBUTIONS-OF-GAINS> (312,498)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 10,432
<NUMBER-OF-SHARES-REDEEMED> (25,575)
<SHARES-REINVESTED> 9,333
<NET-CHANGE-IN-ASSETS> 272,623
<ACCUMULATED-NII-PRIOR> 69,592
<ACCUMULATED-GAINS-PRIOR> 311,388
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 45,317
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 52,596
<AVERAGE-NET-ASSETS> 5,331,441
<PER-SHARE-NAV-BEGIN> 36.97
<PER-SHARE-NII> 0.67
<PER-SHARE-GAIN-APPREC> 5.90
<PER-SHARE-DIVIDEND> (0.58)
<PER-SHARE-DISTRIBUTIONS> (2.30)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 40.66
<EXPENSE-RATIO> 0.92
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
This schedule contains summary financial information extracted from the 1999
Harbor Fund Annual Report to Shareholders on Form N30-D (File No. 911-04676)
and is qualified in its entirety by reference to such financial statements.
</LEGEND>
<SERIES>
<NUMBER> 6
<NAME> HARBOR VALUE FUND
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> OCT-31-1999
<PERIOD-START> NOV-01-1998
<PERIOD-END> OCT-31-1999
<INVESTMENTS-AT-COST> 151,915
<INVESTMENTS-AT-VALUE> 169,822
<RECEIVABLES> 5,475
<ASSETS-OTHER> 63
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 175,360
<PAYABLE-FOR-SECURITIES> 2,622
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 15,356
<TOTAL-LIABILITIES> 17,978
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 140,515
<SHARES-COMMON-STOCK> 10,219
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 372
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 13,265
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 3,230
<NET-ASSETS> 157,382
<DIVIDEND-INCOME> 3,997
<INTEREST-INCOME> 217
<OTHER-INCOME> 0
<EXPENSES-NET> 1,354
<NET-INVESTMENT-INCOME> 2,856
<REALIZED-GAINS-CURRENT> 17,727
<APPREC-INCREASE-CURRENT> 3,794
<NET-CHANGE-FROM-OPS> 24,377
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (2,716)
<DISTRIBUTIONS-OF-GAINS> (17,840)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 2,299
<NUMBER-OF-SHARES-REDEEMED> (4,644)
<SHARES-REINVESTED> 1,354
<NET-CHANGE-IN-ASSETS> (13,086)
<ACCUMULATED-NII-PRIOR> 2,988
<ACCUMULATED-GAINS-PRIOR> 16,485
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 1,021
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1,356
<AVERAGE-NET-ASSETS> 173,027
<PER-SHARE-NAV-BEGIN> 15.21
<PER-SHARE-NII> 0.27
<PER-SHARE-GAIN-APPREC> 1.80
<PER-SHARE-DIVIDEND> (0.25)
<PER-SHARE-DISTRIBUTIONS> (1.63)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 15.40
<EXPENSE-RATIO> 0.76
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
This schedule contains summary financial information extracted from the 1999
Harbor Fund Annual Report to Shareholders on Form N30-D (File No. 911-04676)
and is qualified in its entirety by reference to such financial statements.
</LEGEND>
<SERIES>
<NUMBER> 7
<NAME> HARBOR BOND FUND
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> OCT-31-1999
<PERIOD-START> NOV-01-1998
<PERIOD-END> OCT-31-1999
<INVESTMENTS-AT-COST> 850,835
<INVESTMENTS-AT-VALUE> 837,788
<RECEIVABLES> 109,339
<ASSETS-OTHER> 17
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 947,144
<PAYABLE-FOR-SECURITIES> 243,862
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 76,102
<TOTAL-LIABILITIES> 319,964
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 651,407
<SHARES-COMMON-STOCK> 57,829
<SHARES-COMMON-PRIOR> 56,916
<ACCUMULATED-NII-CURRENT> 2,285
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> (13,091)
<ACCUM-APPREC-OR-DEPREC> (13,421)
<NET-ASSETS> 627,180
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 33,879
<OTHER-INCOME> 0
<EXPENSES-NET> 3,439
<NET-INVESTMENT-INCOME> 30,440
<REALIZED-GAINS-CURRENT> (11,903)
<APPREC-INCREASE-CURRENT> (14,459)
<NET-CHANGE-FROM-OPS> 4,078
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (28,478)
<DISTRIBUTIONS-OF-GAINS> (21,226)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 29,142
<NUMBER-OF-SHARES-REDEEMED> (15,202)
<SHARES-REINVESTED> 3,856
<NET-CHANGE-IN-ASSETS> 154,159
<ACCUMULATED-NII-PRIOR> 22,503
<ACCUMULATED-GAINS-PRIOR> 23,446
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 3,973
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 4,635
<AVERAGE-NET-ASSETS> 569,177
<PER-SHARE-NAV-BEGIN> 11.82
<PER-SHARE-NII> 0.58
<PER-SHARE-GAIN-APPREC> (0.49)
<PER-SHARE-DIVIDEND> (0.55)
<PER-SHARE-DISTRIBUTIONS> (0.51)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.85
<EXPENSE-RATIO> 0.61
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
This schedule contains summary financial information extracted from the 1999
Harbor Fund Annual Report to Shareholders on Form N30-D (File No. 811-04676)
and is qualified in its entirety by reference to such financial statements.
</LEGEND>
<SERIES>
<NUMBER> 8
<NAME> HARBOR SHORT DURATION FUND
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> OCT-31-1999
<PERIOD-START> NOV-01-1998
<PERIOD-END> OCT-31-1999
<INVESTMENTS-AT-COST> 257,749
<INVESTMENTS-AT-VALUE> 257,075
<RECEIVABLES> 13,171
<ASSETS-OTHER> 15
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 270,261
<PAYABLE-FOR-SECURITIES> 7,048
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 11,771
<TOTAL-LIABILITIES> 18,819
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 275,996
<SHARES-COMMON-STOCK> 29,384
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 541
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> (24,353)
<ACCUM-APPREC-OR-DEPREC> (742)
<NET-ASSETS> 251,442
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 11,724
<OTHER-INCOME> 0
<EXPENSES-NET> 573
<NET-INVESTMENT-INCOME> 11,151
<REALIZED-GAINS-CURRENT> (1,844)
<APPREC-INCREASE-CURRENT> (1,583)
<NET-CHANGE-FROM-OPS> 7,724
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (10,735)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 25,518
<NUMBER-OF-SHARES-REDEEMED> (22,376)
<SHARES-REINVESTED> 1,240
<NET-CHANGE-IN-ASSETS> 34,198
<ACCUMULATED-NII-PRIOR> 9,847
<ACCUMULATED-GAINS-PRIOR> 1,683
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 830
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 993
<AVERAGE-NET-ASSETS> 208,195
<PER-SHARE-NAV-BEGIN> 8.69
<PER-SHARE-NII> 0.46
<PER-SHARE-GAIN-APPREC> (0.15)
<PER-SHARE-DIVIDEND> (0.44)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 8.56
<EXPENSE-RATIO> 0.28
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
This schedule contains summary financial information extracted from the 1999
Harbor Fund Annual Report to Shareholders on Form N30-D (File No. 811-04676)
and is qualified in its entirety by reference to such financial statements.
</LEGEND>
<SERIES>
<NUMBER> 9
<NAME> HARBOR MONEY MARKET FUND
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> OCT-31-1999
<PERIOD-START> NOV-01-1998
<PERIOD-END> OCT-31-1999
<INVESTMENTS-AT-COST> 96,026
<INVESTMENTS-AT-VALUE> 96,026
<RECEIVABLES> 1,653
<ASSETS-OTHER> 13
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 97,692
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 427
<TOTAL-LIABILITIES> 427
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 97,227
<SHARES-COMMON-STOCK> 97,265
<SHARES-COMMON-PRIOR> 114,401
<ACCUMULATED-NII-CURRENT> 56
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> (18)
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 97,265
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 4,930
<OTHER-INCOME> 0
<EXPENSES-NET> 436
<NET-INVESTMENT-INCOME> 4,494
<REALIZED-GAINS-CURRENT> (9)
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 4,485
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (4,485)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 124,631
<NUMBER-OF-SHARES-REDEEMED> (131,889)
<SHARES-REINVESTED> 4,247
<NET-CHANGE-IN-ASSETS> (3,011)
<ACCUMULATED-NII-PRIOR> 4,154
<ACCUMULATED-GAINS-PRIOR> 3
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 284
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 554
<AVERAGE-NET-ASSETS> 95,003
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> 0.05
<PER-SHARE-GAIN-APPREC> 0
<PER-SHARE-DIVIDEND> (0.05)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> 0.46
</TABLE>
[PricewaterhouseCoopers LLP letterhead]
Report of Independent Accountants
To the Board of Trustees and Shareholders of Harbor Fund
In planning and performing our audit of the financial statements
of each of the nine Funds constituting the Harbor Fund (the
"Trust") for the year ended October 31, 1999, we considered its
internal control, including control activities 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, not to
provide assurance on internal control.
The management of the Trust is responsible for establishing and
maintaining internal control. In fulfilling this responsibility,
estimates and judgments by management are required to assess the
expected benefits and related costs of controls. Generally,
controls that are relevant to an audit pertain to the entity's
objective of preparing financial statements for external purposes
that are fairly presented in conformity with generally accepted
accounting principles. Those controls include the safeguarding
of assets against unauthorized acquisition, use or disposition.
Because of inherent limitations in internal control, errors or
fraud may occur and not be detected. Also, projection of any
evaluation of internal control to future periods is subject to
the risk that controls may become inadequate because of changes
in conditions or that the effectiveness of their design and
operation may deteriorate.
Our consideration of internal control would not necessarily
disclose all matters in internal control that might be material
weaknesses under standards established by the American Institute
of Certified Public Accountants. A material weakness is a
condition in which the design or operation of one or more of the
internal control components does not reduce to a relatively low
level the risk that misstatements caused by error or fraud in
amounts that would be material in relation to the financial
statements being audited may occur and not be detected within a
timely period by employees in the normal course of performing
their assigned functions. However, we noted no matters involving
internal control and its operation, including controls for
safeguarding securities, that we consider to be material
weaknesses as defined above as of October 31, 1999.
This report is intended solely for the information and use of
management and the Board of Trustees, management and the
Securities and Exchange Commission and is not intended to be and
should not be used by anyone other than these specified parties.
/s/ PricewaterhouseCoopers LLP
PricewaterhouseCoopers LLP
December 14, 1999
