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001 A000000 THE TRAVELERS TIMED GROWTH & INCOME STOCK ACC
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002 A000000 ONE TOWER SQUARE
002 B000000 HARTFORD
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008 B000001 A
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010 A000001 THE TRAVELERS INSURANCE COMPANY
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013 A000001 COOPERS & LYBRAND L.L.P.
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<PAGE> PAGE 2
013 B030001 06103
014 A000001 PFS DISTRIBUTORS, INC.
014 B000001 8-37352
014 A000002 PFS INVESTMENTS INC.
014 B000002 8-26486
014 A000003 THE ROBINSON-HUMPHREY, INC.
014 B000003 8-27190
014 A000004 THE TRAVELERS INSURANCE COMPANY
014 B000004 8-13516
014 A000005 TOWER SQUARE SECURITIES, INC.
014 B000005 8-13752
014 A000006 COPELAND EQUITIES, INC.
014 B000006 8-21009
014 A000007 SMITH BARNEY INC.
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015 A000001 THE CHASE MANHATTAN BANK, N.A.
015 B000001 C
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020 A000008 GOLDMAN,SACHS & CO.
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<PAGE> PAGE 3
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<PAGE> PAGE 4
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<PAGE> PAGE 10
SIGNATURE IAN STUART
TITLE CFO, LIFE & ANNUITY
<TABLE> <S> <C>
<ARTICLE> 6
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-START> JAN-01-1996
<PERIOD-END> DEC-31-1996
<INVESTMENTS-AT-COST> 156,639,025
<INVESTMENTS-AT-VALUE> 187,539,883
<RECEIVABLES> 787,419
<ASSETS-OTHER> 34
<OTHER-ITEMS-ASSETS> 26,054
<TOTAL-ASSETS> 188,353,390
<PAYABLE-FOR-SECURITIES> 604,174
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 2,731,065
<TOTAL-LIABILITIES> 3,335,239
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 0
<SHARES-COMMON-STOCK> 68,111,142
<SHARES-COMMON-PRIOR> 105,043,638
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 185,018,151
<DIVIDEND-INCOME> 2,874,405
<INTEREST-INCOME> 1,854,957
<OTHER-INCOME> 0
<EXPENSES-NET> 5,186,775
<NET-INVESTMENT-INCOME> (457,413)
<REALIZED-GAINS-CURRENT> 17,418,572
<APPREC-INCREASE-CURRENT> 14,261,912
<NET-CHANGE-FROM-OPS> 31,223,071
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 0
<NUMBER-OF-SHARES-REDEEMED> 0
<SHARES-REINVESTED> 0
<NET-CHANGE-IN-ASSETS> (52,749,722)
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 596,659
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 5,186,775
<AVERAGE-NET-ASSETS> 186,363,449
<PER-SHARE-NAV-BEGIN> 0
<PER-SHARE-NII> 0
<PER-SHARE-GAIN-APPREC> 0
<PER-SHARE-DIVIDEND> 0
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 0
<EXPENSE-RATIO> 2.82
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
REPORT OF INDEPENDENT ACCOUNTANTS
To the Board of Managers and Owners of Variable
Annuity Contracts of The Travelers Timed Growth and Income
Stock Account for Variable Annuities:
In planning and performing our audit of the financial statements
and per unit data of The Travelers Timed Growth and Income
Stock Account for Variable Annuities for the year ended
December 31, 1996, we considered its internal control structure,
including procedures for safeguarding securities, in order to
determine our auditing procedures for the purpose of expressing
our opinion on the financial statements and per unit data and to
comply with the requirements of Form N-SAR, not to provide
assurance on the internal control structure.
The management of The Travelers Timed Growth and Income
Stock Account for Variable Annuities 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 safeguarded against loss from unauthorized use or
disposition and that transactions are executed in accordance with
management's authorization and recorded properly to permit the
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 and per unit data 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 the internal control structure that we
consider to be material weaknesses, as defined above, as of
December 31, 1996.
This report is intended solely for the information and use of
management of The Travelers Timed Growth and Income Stock
Account for Variable Annuities and the Securities and Exchange
Commission.
COOPERS & LYBRAND L.L.P.
Hartford, Connecticut
February 12, 1997
