<PAGE> PAGE 1
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<PAGE> PAGE 2
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<PAGE> PAGE 3
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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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<PAGE> PAGE 10
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<PAGE> PAGE 11
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<PAGE> PAGE 12
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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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<PAGE> PAGE 19
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<PAGE> PAGE 20
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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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<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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<PAGE> PAGE 42
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<PAGE> PAGE 43
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<PAGE> PAGE 44
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<PAGE> PAGE 45
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<PAGE> PAGE 46
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<PAGE> PAGE 47
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<PAGE> PAGE 48
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<PAGE> PAGE 49
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SIGNATURE TOM P. CUNNINGHAM
TITLE V. PRESIDENT FUND RP
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
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<NAME> MONEY MARKET FUND CLASS 1
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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
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<SERIES>
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<NAME> MICHIGAN MUNI MONEY MKT INSTITUTIONAL CLASS
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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> GROWTH AND INCOME INSTITUTIONAL CLASS
<S> <C>
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<REALIZED-GAINS-CURRENT> 5,680,608
<APPREC-INCREASE-CURRENT> (9,217,779)
<NET-CHANGE-FROM-OPS> 4,520,275
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 7,860,164
<DISTRIBUTIONS-OF-GAINS> 4,212,718
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 210,151,582
<NUMBER-OF-SHARES-REDEEMED> 79,789,576
<SHARES-REINVESTED> 5,235,449
<NET-CHANGE-IN-ASSETS> 131,358,675
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 39,721
<OVERDISTRIB-NII-PRIOR> 103,506
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 1,855,551
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 2,596,283
<AVERAGE-NET-ASSETS> 258,607,556
<PER-SHARE-NAV-BEGIN> 10.91
<PER-SHARE-NII> 0.31
<PER-SHARE-GAIN-APPREC> (0.26)
<PER-SHARE-DIVIDEND> 0.31
<PER-SHARE-DISTRIBUTIONS> 0.15
<RETURNS-OF-CAPITAL> 0.0
<PER-SHARE-NAV-END> 10.50
<EXPENSE-RATIO> 0.98
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 3
<NAME> GROWTH AND INCOME INVESTMENT CLASS
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1994
<PERIOD-END> DEC-31-1994
<INVESTMENTS-AT-COST> 317,027,586
<INVESTMENTS-AT-VALUE> 315,313,795
<RECEIVABLES> 1,899,616
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 317,213,411
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 383,361
<TOTAL-LIABILITIES> 383,361
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 317,247,972
<SHARES-COMMON-STOCK> 765,647
<SHARES-COMMON-PRIOR> 424,058
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 1,295,869
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> (1,713,791)
<NET-ASSETS> 316,830,050
<DIVIDEND-INCOME> 10,111,484
<INTEREST-INCOME> 542,245
<OTHER-INCOME> 0
<EXPENSES-NET> 2,596,283
<NET-INVESTMENT-INCOME> 8,057,446
<REALIZED-GAINS-CURRENT> 5,680,608
<APPREC-INCREASE-CURRENT> (9,217,779)
<NET-CHANGE-FROM-OPS> 4,520,275
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 197,282
<DISTRIBUTIONS-OF-GAINS> 108,236
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 4,755,118
<NUMBER-OF-SHARES-REDEEMED> 1,435,118
<SHARES-REINVESTED> 299,345
<NET-CHANGE-IN-ASSETS> 131,358,675
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 39,721
<OVERDISTRIB-NII-PRIOR> 103,506
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 1,855,551
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 2,596,283
<AVERAGE-NET-ASSETS> 6,467,817
<PER-SHARE-NAV-BEGIN> 10.87
<PER-SHARE-NII> 0.32
<PER-SHARE-GAIN-APPREC> (0.27)
<PER-SHARE-DIVIDEND> 0.31
<PER-SHARE-DISTRIBUTIONS> 0.15
<RETURNS-OF-CAPITAL> 0.0
<PER-SHARE-NAV-END> 10.46
<EXPENSE-RATIO> 0.98
<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> 4
<NAME> EQUITY INDEX INSTITUTIONAL CLASS
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1994
<PERIOD-END> DEC-31-1994
<INVESTMENTS-AT-COST> 249,903,469
<INVESTMENTS-AT-VALUE> 251,641,298
<RECEIVABLES> 1,060,805
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 252,702,103
<PAYABLE-FOR-SECURITIES> 450,354
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 1,965,369
<TOTAL-LIABILITIES> 2,415,723
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 238,739,524
<SHARES-COMMON-STOCK> 22,995,765
<SHARES-COMMON-PRIOR> 21,138,435
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 9,809,027
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 1,737,829
<NET-ASSETS> 250,286,380
<DIVIDEND-INCOME> 8,277,212
<INTEREST-INCOME> 470,703
<OTHER-INCOME> 0
<EXPENSES-NET> 1,753,519
<NET-INVESTMENT-INCOME> 6,994,396
<REALIZED-GAINS-CURRENT> 14,385,686
<APPREC-INCREASE-CURRENT> (15,054,153)
<NET-CHANGE-FROM-OPS> 6,325,929
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 6,977,284
<DISTRIBUTIONS-OF-GAINS> 4,212,718
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 209,938,963
<NUMBER-OF-SHARES-REDEEMED> 199,370,268
<SHARES-REINVESTED> 6,780,932
<NET-CHANGE-IN-ASSETS> 13,059,326
<ACCUMULATED-NII-PRIOR> 85,770
<ACCUMULATED-GAINS-PRIOR> 73,915
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 906,077
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1,753,519
<AVERAGE-NET-ASSETS> 297,678,269
<PER-SHARE-NAV-BEGIN> 11.04
<PER-SHARE-NII> 0.25
<PER-SHARE-GAIN-APPREC> (0.15)
<PER-SHARE-DIVIDEND> 0.26
<PER-SHARE-DISTRIBUTIONS> 0.20
<RETURNS-OF-CAPITAL> 0.0
<PER-SHARE-NAV-END> 10.68
<EXPENSE-RATIO> 0.58
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 4
<NAME> EQUITY INDEX INVESTMENT CLASS
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1994
<PERIOD-END> DEC-31-1994
<INVESTMENTS-AT-COST> 249,903,469
<INVESTMENTS-AT-VALUE> 251,641,298
<RECEIVABLES> 1,060,805
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 252,702,103
<PAYABLE-FOR-SECURITIES> 450,354
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 1,965,369
<TOTAL-LIABILITIES> 2,415,723
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 238,739,524
<SHARES-COMMON-STOCK> 442,701
<SHARES-COMMON-PRIOR> 341,161
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 9,809,027
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 1,737,829
<NET-ASSETS> 250,286,380
<DIVIDEND-INCOME> 8,272,212
<INTEREST-INCOME> 470,703
<OTHER-INCOME> 0
<EXPENSES-NET> 1,753,519
<NET-INVESTMENT-INCOME> 6,994,396
<REALIZED-GAINS-CURRENT> 14,385,686
<APPREC-INCREASE-CURRENT> (15,054,153)
<NET-CHANGE-FROM-OPS> 6,235,929
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 102,882
<DISTRIBUTIONS-OF-GAINS> 86,559
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 2,700,376
<NUMBER-OF-SHARES-REDEEMED> 1,760,493
<SHARES-REINVESTED> 174,697
<NET-CHANGE-IN-ASSETS> 13,059,326
<ACCUMULATED-NII-PRIOR> 85,770
<ACCUMULATED-GAINS-PRIOR> 73,915
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 906,077
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1,753,519
<AVERAGE-NET-ASSETS> 4,346,067
<PER-SHARE-NAV-BEGIN> 11.07
<PER-SHARE-NII> 0.26
<PER-SHARE-GAIN-APPREC> (0.17)
<PER-SHARE-DIVIDEND> 0.26
<PER-SHARE-DISTRIBUTIONS> 0.20
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.70
<EXPENSE-RATIO> 0.60
<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> 5
<NAME> INTERNATIONAL GROWTH INSTITUTIONAL CLASS
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1994
<PERIOD-END> DEC-31-1994
<INVESTMENTS-AT-COST> 152,218,055
<INVESTMENTS-AT-VALUE> 182,414,590
<RECEIVABLES> 2,877,056
<ASSETS-OTHER> 9,051
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 185,300,697
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 576,196
<TOTAL-LIABILITIES> 576,196
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 152,216,026
<SHARES-COMMON-STOCK> 13,647,849
<SHARES-COMMON-PRIOR> 12,281,789
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 2,290,138
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 30,218,337
<NET-ASSETS> 184,724,501
<DIVIDEND-INCOME> 3,723,357
<INTEREST-INCOME> 253,513
<OTHER-INCOME> 0
<EXPENSES-NET> 2,327,022
<NET-INVESTMENT-INCOME> 1,649,848
<REALIZED-GAINS-CURRENT> 8,055,122
<APPREC-INCREASE-CURRENT> 887,086
<NET-CHANGE-FROM-OPS> 8,942,208
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 1,386,773
<DISTRIBUTIONS-OF-GAINS> 5,423,331
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 90,181,555
<NUMBER-OF-SHARES-REDEEMED> 76,094,359
<SHARES-REINVESTED> 2,771,440
<NET-CHANGE-IN-ASSETS> 23,806,091
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 13,628
<OVERDISTRIB-NII-PRIOR> 624,223
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 1,427,820
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 2,327,022
<AVERAGE-NET-ASSETS> 185,074,360
<PER-SHARE-NAV-BEGIN> 12.84
<PER-SHARE-NII> 0.12
<PER-SHARE-GAIN-APPREC> 0.61
<PER-SHARE-DIVIDEND> 0.10
<PER-SHARE-DISTRIBUTIONS> 0.41
<RETURNS-OF-CAPITAL> 0.0
<PER-SHARE-NAV-END> 13.06
<EXPENSE-RATIO> 1.22
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 5
<NAME> INTERNATIONAL GROWTH INVESTMENT CLASS
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1994
<PERIOD-END> DEC-31-1994
<INVESTMENTS-AT-COST> 152,218,055
<INVESTMENTS-AT-VALUE> 182,414,590
<RECEIVABLES> 2,877,056
<ASSETS-OTHER> 9,051
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 185,300,697
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 576,196
<TOTAL-LIABILITIES> 576,196
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 152,216,026
<SHARES-COMMON-STOCK> 502,942
<SHARES-COMMON-PRIOR> 249,989
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 2,290,138
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 30,218,337
<NET-ASSETS> 184,724,501
<DIVIDEND-INCOME> 3,723,357
<INTEREST-INCOME> 253,513
<OTHER-INCOME> 0
<EXPENSES-NET> 2,327,022
<NET-INVESTMENT-INCOME> 1,649,848
<REALIZED-GAINS-CURRENT> 8,055,122
<APPREC-INCREASE-CURRENT> 887,086
<NET-CHANGE-FROM-OPS> 8,942,208
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 51,491
<DISTRIBUTIONS-OF-GAINS> 197,826
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 4,261,021
<NUMBER-OF-SHARES-REDEEMED> 1,087,589
<SHARES-REINVESTED> 241,388
<NET-CHANGE-IN-ASSETS> 23,806,091
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 13,628
<OVERDISTRIB-NII-PRIOR> 624,223
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 1,427,820
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 2,327,022
<AVERAGE-NET-ASSETS> 5,307,116
<PER-SHARE-NAV-BEGIN> 12.84
<PER-SHARE-NII> 0.12
<PER-SHARE-GAIN-APPREC> 0.61
<PER-SHARE-DIVIDEND> 0.10
<PER-SHARE-DISTRIBUTIONS> 0.41
<RETURNS-OF-CAPITAL> 0.0
<PER-SHARE-NAV-END> 13.06
<EXPENSE-RATIO> 1.22
<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> 6
<NAME> SMALL COMPANY GROWTH INSTITUTIONAL CLASS
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1994
<PERIOD-END> DEC-31-1994
<INVESTMENTS-AT-COST> 307,265,467
<INVESTMENTS-AT-VALUE> 309,455,571
<RECEIVABLES> 3,490,412
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 312,945,983
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 334,345
<TOTAL-LIABILITIES> 334,345
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 299,591,491
<SHARES-COMMON-STOCK> 25,374,054
<SHARES-COMMON-PRIOR> 20,195,339
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 10,830,043
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 2,190,104
<NET-ASSETS> 312,611,638
<DIVIDEND-INCOME> 4,455,001
<INTEREST-INCOME> 655,376
<OTHER-INCOME> 0
<EXPENSES-NET> 2,832,313
<NET-INVESTMENT-INCOME> 2,278,064
<REALIZED-GAINS-CURRENT> 18,158,096
<APPREC-INCREASE-CURRENT> (19,917,681)
<NET-CHANGE-FROM-OPS> (1,759,585)
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 2,216,615
<DISTRIBUTIONS-OF-GAINS> 9,626,086
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 141,191,403
<NUMBER-OF-SHARES-REDEEMED> 84,126,307
<SHARES-REINVESTED> 5,989,132
<NET-CHANGE-IN-ASSETS> 54,865,439
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 2,693,030
<OVERDISTRIB-NII-PRIOR> 149,496
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 2,025,868
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 2,832,313
<AVERAGE-NET-ASSETS> 282,353,291
<PER-SHARE-NAV-BEGIN> 12.50
<PER-SHARE-NII> 0.10
<PER-SHARE-GAIN-APPREC> (0.10)
<PER-SHARE-DIVIDEND> 0.09
<PER-SHARE-DISTRIBUTIONS> 0.41
<RETURNS-OF-CAPITAL> 0.0
<PER-SHARE-NAV-END> 11.99
<EXPENSE-RATIO> 0.98
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 6
<NAME> SMALL COMPANY GROWTH INVESTMENT CLASS
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1994
<PERIOD-END> DEC-31-1994
<INVESTMENTS-AT-COST> 307,265,467
<INVESTMENTS-AT-VALUE> 309,455,571
<RECEIVABLES> 3,490,412
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 312,945,983
<PAYABLE-FOR-SECURITIES> 012,945,983
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 334,345
<TOTAL-LIABILITIES> 334,345
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 299,591,491
<SHARES-COMMON-STOCK> 704,127
<SHARES-COMMON-PRIOR> 428,055
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 10,830,043
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 2,190,104
<NET-ASSETS> 312,611,638
<DIVIDEND-INCOME> 4,455,001
<INTEREST-INCOME> 655,376
<OTHER-INCOME> 0
<EXPENSES-NET> 2,832,313
<NET-INVESTMENT-INCOME> 2,278,064
<REALIZED-GAINS-CURRENT> 18,158,096
<APPREC-INCREASE-CURRENT> (19,917,681)
<NET-CHANGE-FROM-OPS> (1,759,585)
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 55,341
<DISTRIBUTIONS-OF-GAINS> 251,609
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 4,739,061
<NUMBER-OF-SHARES-REDEEMED> 1,596,180
<SHARES-REINVESTED> 299,502
<NET-CHANGE-IN-ASSETS> 54,865,439
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 2,693,030
<OVERDISTRIB-NII-PRIOR> 149,496
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 2,025,868
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 2,832,313
<AVERAGE-NET-ASSETS> 7,074,649
<PER-SHARE-NAV-BEGIN> 12.50
<PER-SHARE-NII> 0.10
<PER-SHARE-GAIN-APPREC> (0.10)
<PER-SHARE-DIVIDEND> 0.10
<PER-SHARE-DISTRIBUTIONS> 0.41
<RETURNS-OF-CAPITAL> 0.0
<PER-SHARE-NAV-END> 11.99
<EXPENSE-RATIO> 0.98
<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> 7
<NAME> SHORT TERM BOND INSTITUTIONAL CLASS
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1994
<PERIOD-END> DEC-31-1994
<INVESTMENTS-AT-COST> 181,841,846
<INVESTMENTS-AT-VALUE> 176,131,597
<RECEIVABLES> 2,036,327
<ASSETS-OTHER> 425,356
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 178,593,280
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 178,958
<TOTAL-LIABILITIES> 178,958
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 188,296,353
<SHARES-COMMON-STOCK> 18,569,368
<SHARES-COMMON-PRIOR> 25,809,871
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 83,228
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 4,088,554
<ACCUM-APPREC-OR-DEPREC> (5,710,249)
<NET-ASSETS> 178,414,322
<DIVIDEND-INCOME> 10,851,640
<INTEREST-INCOME> 264,244
<OTHER-INCOME> 0
<EXPENSES-NET> 1,487,982
<NET-INVESTMENT-INCOME> 9,627,902
<REALIZED-GAINS-CURRENT> (3,373,304)
<APPREC-INCREASE-CURRENT> (4,342,883)
<NET-CHANGE-FROM-OPS> (7,716,187)
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 9,747,215
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 154,692,467
<NUMBER-OF-SHARES-REDEEMED> 233,458,918
<SHARES-REINVESTED> 7,490,401
<NET-CHANGE-IN-ASSETS> (78,905,333)
<ACCUMULATED-NII-PRIOR> 113,996
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 715,250
<GROSS-ADVISORY-FEES> 1,013,799
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1,487,982
<AVERAGE-NET-ASSETS> 201,227,606
<PER-SHARE-NAV-BEGIN> 9.91
<PER-SHARE-NII> 0.48
<PER-SHARE-GAIN-APPREC> (0.38)
<PER-SHARE-DIVIDEND> 0.49
<PER-SHARE-DISTRIBUTIONS> 0.0
<RETURNS-OF-CAPITAL> 0.0
<PER-SHARE-NAV-END> 9.52
<EXPENSE-RATIO> 0.73
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 7
<NAME> SHORT TERM BOND INVESTMENT CLASS
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1994
<PERIOD-END> DEC-31-1994
<INVESTMENTS-AT-COST> 181,841,846
<INVESTMENTS-AT-VALUE> 176,131,597
<RECEIVABLES> 2,036,327
<ASSETS-OTHER> 425,356
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 178,593,280
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 178,958
<TOTAL-LIABILITIES> 178,958
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 188,296,353
<SHARES-COMMON-STOCK> 173,288
<SHARES-COMMON-PRIOR> 144,020
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 83,228
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 4,088,554
<ACCUM-APPREC-OR-DEPREC> (5,710,249)
<NET-ASSETS> 178,414,322
<DIVIDEND-INCOME> 10,851,640
<INTEREST-INCOME> 264,244
<OTHER-INCOME> 0
<EXPENSES-NET> 1,487,982
<NET-INVESTMENT-INCOME> 9,627,902
<REALIZED-GAINS-CURRENT> (3,373,304)
<APPREC-INCREASE-CURRENT> (4,342,883)
<NET-CHANGE-FROM-OPS> (7,716,187)
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 77,911
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 1,164,392
<NUMBER-OF-SHARES-REDEEMED> 952,624
<SHARES-REINVESTED> 72,360
<NET-CHANGE-IN-ASSETS> (78,905,333)
<ACCUMULATED-NII-PRIOR> 113,996
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 715,250
<GROSS-ADVISORY-FEES> 1,013,799
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1,487,982
<AVERAGE-NET-ASSETS> 1,534,160
<PER-SHARE-NAV-BEGIN> 9.91
<PER-SHARE-NII> 0.48
<PER-SHARE-GAIN-APPREC> (0.38)
<PER-SHARE-DIVIDEND> 0.49
<PER-SHARE-DISTRIBUTIONS> 0.0
<RETURNS-OF-CAPITAL> 0.0
<PER-SHARE-NAV-END> 9.52
<EXPENSE-RATIO> 0.73
<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> INTERMEDIATE TAX-FREE BOND INSTITUTIONAL CLASS
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1994
<PERIOD-END> DEC-31-1994
<INVESTMENTS-AT-COST> 393,679,540
<INVESTMENTS-AT-VALUE> 381,588,255
<RECEIVABLES> 10,281,876
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 391,870,131
<PAYABLE-FOR-SECURITIES> 5,000,000
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 1,649,885
<TOTAL-LIABILITIES> 6,649,885
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 400,414,184
<SHARES-COMMON-STOCK> 39,091,877
<SHARES-COMMON-PRIOR> 13,005,234
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 322,292
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 2,780,361
<ACCUM-APPREC-OR-DEPREC> (12,091,285)
<NET-ASSETS> 385,220,246
<DIVIDEND-INCOME> 13,771,792
<INTEREST-INCOME> 168,923
<OTHER-INCOME> 0
<EXPENSES-NET> 2,249,579
<NET-INVESTMENT-INCOME> 11,691,136
<REALIZED-GAINS-CURRENT> (2,780,361)
<APPREC-INCREASE-CURRENT> (14,982,450)
<NET-CHANGE-FROM-OPS> (17,762,811)
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 11,816,158
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 364,702,605
<NUMBER-OF-SHARES-REDEEMED> 102,143,430
<SHARES-REINVESTED> 25,670
<NET-CHANGE-IN-ASSETS> 246,050,751
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 38,499
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 1,436,354
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 2,249,579
<AVERAGE-NET-ASSETS> 283,348,552
<PER-SHARE-NAV-BEGIN> 10.45
<PER-SHARE-NII> 0.40
<PER-SHARE-GAIN-APPREC> (0.71)
<PER-SHARE-DIVIDEND> 0.40
<PER-SHARE-DISTRIBUTIONS> 0.0
<RETURNS-OF-CAPITAL> 0.0
<PER-SHARE-NAV-END> 9.74
<EXPENSE-RATIO> 0.78
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 8
<NAME> INTERMEDIATE TAX-FREE INVESTMENT CLASS
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1994
<PERIOD-END> DEC-31-1994
<INVESTMENTS-AT-COST> 393,679,540
<INVESTMENTS-AT-VALUE> 381,588,255
<RECEIVABLES> 10,281,876
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 391,870,131
<PAYABLE-FOR-SECURITIES> 5,000,000
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 1,649,885
<TOTAL-LIABILITIES> 6,649,885
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 400,414,184
<SHARES-COMMON-STOCK> 462,431
<SHARES-COMMON-PRIOR> 316,471
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 322,292
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 2,780,361
<ACCUM-APPREC-OR-DEPREC> (12,091,285)
<NET-ASSETS> 385,220,246
<DIVIDEND-INCOME> 168,923
<INTEREST-INCOME> 13,771,792
<OTHER-INCOME> 0
<EXPENSES-NET> 2,249,579
<NET-INVESTMENT-INCOME> 11,691,136
<REALIZED-GAINS-CURRENT> (2,780,361)
<APPREC-INCREASE-CURRENT> (14,982,450)
<NET-CHANGE-FROM-OPS> (17,762,811)
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 158,771
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 3,560,764
<NUMBER-OF-SHARES-REDEEMED> 2,143,228
<SHARES-REINVESTED> 94,974
<NET-CHANGE-IN-ASSETS> 246,097,355
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 38,499
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 1,436,354
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 20,249,579
<AVERAGE-NET-ASSETS> 3,918,584
<PER-SHARE-NAV-BEGIN> 10.45
<PER-SHARE-NII> 0.40
<PER-SHARE-GAIN-APPREC> (0.71)
<PER-SHARE-DIVIDEND> 0.40
<PER-SHARE-DISTRIBUTIONS> 0.0
<RETURNS-OF-CAPITAL> 0.0
<PER-SHARE-NAV-END> 9.74
<EXPENSE-RATIO> 0.78
<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> 9
<NAME> INTERMEDIATE BOND INSTITUTIONAL CLASS
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1994
<PERIOD-END> DEC-31-1994
<INVESTMENTS-AT-COST> 1,006,732,077
<INVESTMENTS-AT-VALUE> 971,012,674
<RECEIVABLES> 17,847,812
<ASSETS-OTHER> 8
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 988,860,494
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 1,798,641
<TOTAL-LIABILITIES> 1,798,641
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 1,047,045,634
<SHARES-COMMON-STOCK> 105,209,125
<SHARES-COMMON-PRIOR> 42,675,030
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 649,785
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 23,614,593
<ACCUM-APPREC-OR-DEPREC> (35,719,403)
<NET-ASSETS> 987,061,853
<DIVIDEND-INCOME> 1,500,451
<INTEREST-INCOME> 46,583,464
<OTHER-INCOME> 0
<EXPENSES-NET> 5,663,493
<NET-INVESTMENT-INCOME> 42,420,422
<REALIZED-GAINS-CURRENT> (23,556,792)
<APPREC-INCREASE-CURRENT> (36,003,303)
<NET-CHANGE-FROM-OPS> (59,560,095)
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 42,106,775
<DISTRIBUTIONS-OF-GAINS> 721,766
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 725,687,216
<NUMBER-OF-SHARES-REDEEMED> 144,554,623
<SHARES-REINVESTED> 15,720,557
<NET-CHANGE-IN-ASSETS> 547,831,816
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 674,739
<OVERDISTRIB-NII-PRIOR> 516,884
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 3,870,183
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 5,663,493
<AVERAGE-NET-ASSETS> 696,042,280
<PER-SHARE-NAV-BEGIN> 10.18
<PER-SHARE-NII> 0.56
<PER-SHARE-GAIN-APPREC> (0.88)
<PER-SHARE-DIVIDEND> 0.55
<PER-SHARE-DISTRIBUTIONS> 0.02
<RETURNS-OF-CAPITAL> 0.0
<PER-SHARE-NAV-END> 9.29
<EXPENSE-RATIO> 0.80
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 9
<NAME> INTERMEDIATE BOND INVESTMENT CLASS
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1994
<PERIOD-END> DEC-31-1994
<INVESTMENTS-AT-COST> 1,006,732,077
<INVESTMENTS-AT-VALUE> 971,012,674
<RECEIVABLES> 17,847,812
<ASSETS-OTHER> 8
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 988,860,494
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 1,798,641
<TOTAL-LIABILITIES> 1,798,641
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 1,047,045,634
<SHARES-COMMON-STOCK> 987,059
<SHARES-COMMON-PRIOR> 487,442
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 649,785
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 23,614,593
<ACCUM-APPREC-OR-DEPREC> (35,719,403)
<NET-ASSETS> 987,061,853
<DIVIDEND-INCOME> 1,500,451
<INTEREST-INCOME> 46,583,464
<OTHER-INCOME> 0
<EXPENSES-NET> 5,663,493
<NET-INVESTMENT-INCOME> 42,420,422
<REALIZED-GAINS-CURRENT> (23,556,792)
<APPREC-INCREASE-CURRENT> (36,003,303)
<NET-CHANGE-FROM-OPS> (59,560,095)
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 446,548
<DISTRIBUTIONS-OF-GAINS> 10,774
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 8,243,200
<NUMBER-OF-SHARES-REDEEMED> 3,676,572
<SHARES-REINVESTED> 336,316
<NET-CHANGE-IN-ASSETS> 547,831,816
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 674,739
<OVERDISTRIB-NII-PRIOR> 516,884
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 3,870,183
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 5,663,493
<AVERAGE-NET-ASSETS> 7,636,030
<PER-SHARE-NAV-BEGIN> 10.18
<PER-SHARE-NII> 0.56
<PER-SHARE-GAIN-APPREC> (0.88)
<PER-SHARE-DIVIDEND> 0.55
<PER-SHARE-DISTRIBUTIONS> 0.02
<RETURNS-OF-CAPITAL> 0.0
<PER-SHARE-NAV-END> 9.29
<EXPENSE-RATIO> 0.80
<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> MICHIGAN MUNICIPAL BOND INSTITUTIONAL CLASS
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1994
<PERIOD-END> DEC-31-1994
<INVESTMENTS-AT-COST> 120,995,386
<INVESTMENTS-AT-VALUE> 117,857,911
<RECEIVABLES> 2,791,532
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 120,649,443
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 184,784
<TOTAL-LIABILITIES> 184,784
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 124,074,659
<SHARES-COMMON-STOCK> 12,188,636
<SHARES-COMMON-PRIOR> 7,420,778
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 132,873
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 339,652
<ACCUM-APPREC-OR-DEPREC> (3,137,475)
<NET-ASSETS> 120,464,659
<DIVIDEND-INCOME> 55,155
<INTEREST-INCOME> 4,657,282
<OTHER-INCOME> 0
<EXPENSES-NET> 543,389
<NET-INVESTMENT-INCOME> 4,169,048
<REALIZED-GAINS-CURRENT> (339,652)
<APPREC-INCREASE-CURRENT> (3,403,446)
<NET-CHANGE-FROM-OPS> (3,743,098)
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 4,222,861
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 135,169,205
<NUMBER-OF-SHARES-REDEEMED> 87,595,339
<SHARES-REINVESTED> 42,012
<NET-CHANGE-IN-ASSETS> 45,534,748
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 38,310
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 501,175
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 818,229
<AVERAGE-NET-ASSETS> 110,402,983
<PER-SHARE-NAV-BEGIN> 10.06
<PER-SHARE-NII> 0.37
<PER-SHARE-GAIN-APPREC> (0.34)
<PER-SHARE-DIVIDEND> 0.34
<PER-SHARE-DISTRIBUTIONS> 0.0
<RETURNS-OF-CAPITAL> 0.0
<PER-SHARE-NAV-END> 9.72
<EXPENSE-RATIO> 0.49
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 10
<NAME> MICHIGAN MUNICIPAL BOND INVESTMENT CLASS
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1994
<PERIOD-END> DEC-31-1994
<INVESTMENTS-AT-COST> 120,995,386
<INVESTMENTS-AT-VALUE> 117,857,911
<RECEIVABLES> 2,791,532
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 120,649,443
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 184,784
<TOTAL-LIABILITIES> 184,784
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 124,074,659
<SHARES-COMMON-STOCK> 203,625
<SHARES-COMMON-PRIOR> 28,085
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 132,873
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 339,652
<ACCUM-APPREC-OR-DEPREC> (3,137,475)
<NET-ASSETS> 120,464,659
<DIVIDEND-INCOME> 55,155
<INTEREST-INCOME> 4,657,282
<OTHER-INCOME> 0
<EXPENSES-NET> 543,389
<NET-INVESTMENT-INCOME> 4,169,048
<REALIZED-GAINS-CURRENT> (339,652)
<APPREC-INCREASE-CURRENT> (3,403,446)
<NET-CHANGE-FROM-OPS> (3,743,098)
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 40,750
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 2,973,020
<NUMBER-OF-SHARES-REDEEMED> 1,240,166
<SHARES-REINVESTED> 23,677
<NET-CHANGE-IN-ASSETS> 45,534,748
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 38,310
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 501,175
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 818,229
<AVERAGE-NET-ASSETS> 965,324
<PER-SHARE-NAV-BEGIN> 10.06
<PER-SHARE-NII> 0.37
<PER-SHARE-GAIN-APPREC> (0.34)
<PER-SHARE-DIVIDEND> 0.37
<PER-SHARE-DISTRIBUTIONS> 0.0
<RETURNS-OF-CAPITAL> 0.0
<PER-SHARE-NAV-END> 9.72
<EXPENSE-RATIO> 0.49
<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> LIMITED TERM TAX-FREE BOND INSTITUTIONAL CLASS
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1994
<PERIOD-END> DEC-31-1994
<INVESTMENTS-AT-COST> 41,706,772
<INVESTMENTS-AT-VALUE> 40,826,771
<RECEIVABLES> 2,796,982
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 43,626,753
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 123,378
<TOTAL-LIABILITIES> 123,378
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 44,469,006
<SHARES-COMMON-STOCK> 4,436,812
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 29,703
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 118,333
<ACCUM-APPREC-OR-DEPREC> (877,001)
<NET-ASSETS> 43,503,375
<DIVIDEND-INCOME> 11,992
<INTEREST-INCOME> 732,240
<OTHER-INCOME> 0
<EXPENSES-NET> 128,150
<NET-INVESTMENT-INCOME> 616,082
<REALIZED-GAINS-CURRENT> (118,333)
<APPREC-INCREASE-CURRENT> (877,001)
<NET-CHANGE-FROM-OPS> (995,334)
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 586,336
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 60,290,213
<NUMBER-OF-SHARES-REDEEMED> 15,828,369
<SHARES-REINVESTED> 388
<NET-CHANGE-IN-ASSETS> 43,503,375
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 72,787
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 155,978
<AVERAGE-NET-ASSETS> 48,788,277
<PER-SHARE-NAV-BEGIN> 10.00
<PER-SHARE-NII> 0.13
<PER-SHARE-GAIN-APPREC> (0.21)
<PER-SHARE-DIVIDEND> 0.12
<PER-SHARE-DISTRIBUTIONS> 0.0
<RETURNS-OF-CAPITAL> 0.0
<PER-SHARE-NAV-END> 9.80
<EXPENSE-RATIO> 0.79
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 11
<NAME> LIMITED TERM TAX-FREE INVESTMENT CLASS
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1994
<PERIOD-END> DEC-31-1994
<INVESTMENTS-AT-COST> 41,706,772
<INVESTMENTS-AT-VALUE> 40,829,771
<RECEIVABLES> 2,796,982
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 43,626,753
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 123,378
<TOTAL-LIABILITIES> 123,378
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 44,469,006
<SHARES-COMMON-STOCK> 685
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 29,703
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 118,333
<ACCUM-APPREC-OR-DEPREC> (877,001)
<NET-ASSETS> 43,503,375
<DIVIDEND-INCOME> 11,992
<INTEREST-INCOME> 732,240
<OTHER-INCOME> 0
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<APPREC-INCREASE-CURRENT> (877,001)
<NET-CHANGE-FROM-OPS> (995,334)
<EQUALIZATION> 0
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<SHARES-REINVESTED> 43
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<PER-SHARE-GAIN-APPREC> (0.21)
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<PER-SHARE-NAV-END> 9.80
<EXPENSE-RATIO> 0.79
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</TABLE>
