<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 3
<NAME> VUL HIGH GRADE BOND
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<INVESTMENTS-AT-COST> 13260133
<INVESTMENTS-AT-VALUE> 12635273
<RECEIVABLES> 207044
<ASSETS-OTHER> 108
<OTHER-ITEMS-ASSETS> 42173
<TOTAL-ASSETS> 12884598
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 98423
<TOTAL-LIABILITIES> 98423
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 13427451
<SHARES-COMMON-STOCK> 1351014
<SHARES-COMMON-PRIOR> 1437287
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (16416)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> (624860)
<NET-ASSETS> 12786175
<DIVIDEND-INCOME> 50417
<INTEREST-INCOME> 449373
<OTHER-INCOME> 0
<EXPENSES-NET> 30961
<NET-INVESTMENT-INCOME> 468829
<REALIZED-GAINS-CURRENT> (16416)
<APPREC-INCREASE-CURRENT> (1270)
<NET-CHANGE-FROM-OPS> 451143
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 468829
<DISTRIBUTIONS-OF-GAINS> 18110
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 137054
<NUMBER-OF-SHARES-REDEEMED> 262953
<SHARES-REINVESTED> 39626
<NET-CHANGE-IN-ASSETS> (851980)
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 18110
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 19905
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 31405
<AVERAGE-NET-ASSETS> 13232557
<PER-SHARE-NAV-BEGIN> 9.49
<PER-SHARE-NII> .33
<PER-SHARE-GAIN-APPREC> (.02)
<PER-SHARE-DIVIDEND> .33
<PER-SHARE-DISTRIBUTIONS> .01
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 9.46
<EXPENSE-RATIO> .47
</TABLE>
