<PAGE>
<PAGE> PAGE 1
000 A000000 03/31/96
000 C000000 0000798075
000 D000000 N
000 E000000 NF
000 F000000 Y
000 G000000 N
000 H000000 N
000 I000000 3.0.a
000 J000000 U
001 A000000 HERITAGE INCOME-GROWTH TRUST
001 B000000 811-4767
001 C000000 8135738143
002 A000000 880 CARILLON PARKWAY
002 B000000 ST. PETERSBURG
002 C000000 FL
002 D010000 33716
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020 A000001 JEFFRIES & CO., INC.
020 B000001 59-2622900
020 C000001 5
020 A000002 NATWEST SECURITIES CORPORATION
020 B000002 13-3312778
020 C000002 5
020 A000003 BEAR, STEARNS SECURITIES CORPORATION
020 B000003 13-3299429
020 C000003 4
020 A000004 RAYMOND JAMES & ASSOCIATES
020 B000004 59-1237041
020 C000004 3
020 A000005 DUFF AND PHELPS INVESTMENT MANAGEMENT CO.
020 B000005 36-3964916
<PAGE>
<PAGE> PAGE 2
020 C000005 2
020 A000006 MORGAN (J.P.) SECURITIES, INC.
020 B000006 13-2655998
020 C000006 2
020 A000007 GOLDMAN SACHS & CO
020 B000007 13-5108880
020 C000007 1
020 A000008 BROWN (ALEX) & SONS INCORPORATED
020 B000008 52-1319768
020 C000008 1
020 A000009 PAINE WEBBER CAPITAL MARKETS
020 B000009 13-2638166
020 C000009 1
020 A000010 COWEN & COMPANY
020 B000010 13-5616116
020 C000010 1
021 000000 26
022 A000001 STATE STREET BANK AND TRUST COMPANY
022 B000001 04-1867445
022 C000001 436687
022 D000001 0
022 A000002 FORUM CAPITAL
022 B000002 06-1351111
022 C000002 2244
022 D000002 1538
022 A000003 UBS SECURITIES, INC.
022 B000003 13-2932996
022 C000003 613
022 D000003 1356
022 A000004 JEFFRIES & CO.
022 B000004 59-2622900
022 C000004 932
022 D000004 706
022 A000005 GOLDMAN SACHS & CO.
022 B000005 13-5108880
022 C000005 1244
022 D000005 0
022 A000006 DONALDSON, LUFKIN & JENRETTE SECURITIES, CORP
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022 C000006 400
022 D000006 330
022 A000007 NATWEST SECURITIES CORPORATION
022 B000007 13-3312778
022 C000007 700
022 D000007 0
022 A000008 ROBERTSON, STEPHENS & COMPMAY
022 B000008 94-2524501
022 C000008 550
022 D000008 0
022 A000009 NOMURA SECURITIES INTERNATIONAL, INC.
022 B000009 13-2975128
<PAGE>
<PAGE> PAGE 3
022 C000009 0
022 D000009 517
022 A000010 PRUDENTIAL SECURITIES, INC.
022 B000010 22-2347336
022 C000010 500
022 D000010 0
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<PAGE> PAGE 6
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SIGNATURE STEPHEN G. HILL
TITLE PRESIDENT
<PAGE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<PAGE>
<ARTICLE> 6
<SERIES>
<NUMBER> 1
<NAME> HERITAGE INCOME GROWTH TRUST CLASS A SHARES
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAR-31-1996
<PERIOD-START> SEP-30-1995
<PERIOD-END> MAR-31-1996
<INVESTMENTS-AT-COST> $31,221,469
<INVESTMENTS-AT-VALUE> $38,524,933
<RECEIVABLES> $439,114
<ASSETS-OTHER> $11,382
<OTHER-ITEMS-ASSETS> $0
<TOTAL-ASSETS> $38,975,429
<PAYABLE-FOR-SECURITIES> $200,000
<SENIOR-LONG-TERM-DEBT> $0
<OTHER-ITEMS-LIABILITIES> $258,491
<TOTAL-LIABILITIES> $458,491
<SENIOR-EQUITY> $0
<PAID-IN-CAPITAL-COMMON> $28,726,116
<SHARES-COMMON-STOCK> 2,804,349
<SHARES-COMMON-PRIOR> 2,757,004
<ACCUMULATED-NII-CURRENT> $164,109
<OVERDISTRIBUTION-NII> $0
<ACCUMULATED-NET-GAINS> $2,304,679
<OVERDISTRIBUTION-GAINS> $0
<ACCUM-APPREC-OR-DEPREC> $7,322,034
<NET-ASSETS> $38,516,938
<DIVIDEND-INCOME> $487,800
<INTEREST-INCOME> $304,341
<OTHER-INCOME> $0
<EXPENSES-NET> $281,949
<NET-INVESTMENT-INCOME> $510,192
<REALIZED-GAINS-CURRENT> $2,584,614
<APPREC-INCREASE-CURRENT> $1,408,309
<NET-CHANGE-FROM-OPS> $4,503,115
<EQUALIZATION> $0
<DISTRIBUTIONS-OF-INCOME> $539,206
<DISTRIBUTIONS-OF-GAINS> $620,111
<DISTRIBUTIONS-OTHER> $0
<NUMBER-OF-SHARES-SOLD> 163,832
<NUMBER-OF-SHARES-REDEEMED> (203,440)
<SHARES-REINVESTED> 86,953
<NET-CHANGE-IN-ASSETS> $551,162
<ACCUMULATED-NII-PRIOR> $964,709
<ACCUMULATED-GAINS-PRIOR> $450,201
<OVERDISTRIB-NII-PRIOR> $0
<OVERDIST-NET-GAINS-PRIOR> $0
<GROSS-ADVISORY-FEES> $136,710
<INTEREST-EXPENSE> $0
<GROSS-EXPENSE> $276,642
<AVERAGE-NET-ASSETS> $35,991,980
<PER-SHARE-NAV-BEGIN> $12.56
<PER-SHARE-NII> $0.18
<PER-SHARE-GAIN-APPREC> $1.42
<PER-SHARE-DIVIDEND> $0.17
<PER-SHARE-DISTRIBUTIONS> $0.25
<RETURNS-OF-CAPITAL> $0.00
<PER-SHARE-NAV-END> $13.74
<EXPENSE-RATIO> 1.54
<AVG-DEBT-OUTSTANDING> $0
<AVG-DEBT-PER-SHARE> $0
<PAGE>
</TABLE>
<TABLE> <S> <C>
<PAGE>
<ARTICLE> 6
<SERIES>
<NUMBER> 1
<NAME> HERITAGE INCOME GROWTH TRUST CLASS C SHARES
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAR-31-1996
<PERIOD-START> SEP-30-1995
<PERIOD-END> MAR-31-1996
<INVESTMENTS-AT-COST> $31,221,469
<INVESTMENTS-AT-VALUE> $38,524,933
<RECEIVABLES> $439,114
<ASSETS-OTHER> $11,382
<OTHER-ITEMS-ASSETS> $0
<TOTAL-ASSETS> $38,975,429
<PAYABLE-FOR-SECURITIES> $200,000
<SENIOR-LONG-TERM-DEBT> $0
<OTHER-ITEMS-LIABILITIES> $258,491
<TOTAL-LIABILITIES> $458,491
<SENIOR-EQUITY> $0
<PAID-IN-CAPITAL-COMMON> $28,726,116
<SHARES-COMMON-STOCK> 2,804,349
<SHARES-COMMON-PRIOR> 2,757,004
<ACCUMULATED-NII-CURRENT> $164,109
<OVERDISTRIBUTION-NII> $0
<ACCUMULATED-NET-GAINS> $2,304,679
<OVERDISTRIBUTION-GAINS> $0
<ACCUM-APPREC-OR-DEPREC> $7,322,034
<NET-ASSETS> $38,516,938
<DIVIDEND-INCOME> $487,800
<INTEREST-INCOME> $304,341
<OTHER-INCOME> $0
<EXPENSES-NET> $281,949
<NET-INVESTMENT-INCOME> $510,192
<REALIZED-GAINS-CURRENT> $2,584,614
<APPREC-INCREASE-CURRENT> $1,408,309
<NET-CHANGE-FROM-OPS> $4,503,115
<EQUALIZATION> $0
<DISTRIBUTIONS-OF-INCOME> $539,206
<DISTRIBUTIONS-OF-GAINS> $620,111
<DISTRIBUTIONS-OTHER> $0
<NUMBER-OF-SHARES-SOLD> 163,832
<NUMBER-OF-SHARES-REDEEMED> (203,440)
<SHARES-REINVESTED> 86,953
<NET-CHANGE-IN-ASSETS> $551,162
<ACCUMULATED-NII-PRIOR> $964,709
<ACCUMULATED-GAINS-PRIOR> $450,201
<OVERDISTRIB-NII-PRIOR> $0
<OVERDIST-NET-GAINS-PRIOR> $0
<GROSS-ADVISORY-FEES> $136,710
<INTEREST-EXPENSE> $0
<GROSS-EXPENSE> $5,307
<AVERAGE-NET-ASSETS> $464,054
<PER-SHARE-NAV-BEGIN> $12.51
<PER-SHARE-NII> $0.14
<PER-SHARE-GAIN-APPREC> $1.41
<PER-SHARE-DIVIDEND> $0.14
<PER-SHARE-DISTRIBUTIONS> $0.25
<RETURNS-OF-CAPITAL> $0.00
<PER-SHARE-NAV-END> $13.67
<EXPENSE-RATIO> 2.29
<AVG-DEBT-OUTSTANDING> $0
<AVG-DEBT-PER-SHARE> $0
<PAGE>
</TABLE>
<PAGE>
For period ending 03-31-96
File Number 811-4767
Sub-Item 77.O
77.O. Transactions effected pursuant to Rule 10f-3.
The following information relates to the sole transaction
effected by Heritage Income-Growth Trust pursuant to Rule 10f-3 during the
semi-annual period March 31, 1996:
Security: The Estee Lauder Companies, Inc.
Date of purchase: 11/16/95
Date offering commenced: 11/16/95
Purchase price: $26.00
Commission: $0.85 (3.54%)
Securities acquired from: Goldman Sachs
Amount purchased: $156,000
Total Offering: $400 million
<PAGE>
