<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 004
<NAME> RETIREMENT INCOME FUND
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<INVESTMENTS-AT-COST> 211039650
<INVESTMENTS-AT-VALUE> 197032051
<RECEIVABLES> 4183302
<ASSETS-OTHER> 1504
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 201216857
<PAYABLE-FOR-SECURITIES> 1089208
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 122675
<TOTAL-LIABILITIES> 1211883
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 217096224
<SHARES-COMMON-STOCK> 21527416
<SHARES-COMMON-PRIOR> 21826738
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (3083651)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> (14007599)
<NET-ASSETS> 200004974
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 8512139
<OTHER-INCOME> 0
<EXPENSES-NET> 801548
<NET-INVESTMENT-INCOME> 7710591
<REALIZED-GAINS-CURRENT> (2058891)
<APPREC-INCREASE-CURRENT> (4887708)
<NET-CHANGE-FROM-OPS> 763992
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 7710591
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 365893
<NUMBER-OF-SHARES-REDEEMED> 1478111
<SHARES-REINVESTED> 812896
<NET-CHANGE-IN-ASSETS> (9785918)
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (1024760)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 506596
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 801548
<AVERAGE-NET-ASSETS> 203248986
<PER-SHARE-NAV-BEGIN> 9.61
<PER-SHARE-NII> .36
<PER-SHARE-GAIN-APPREC> (.32)
<PER-SHARE-DIVIDEND> (.36)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 9.29
<EXPENSE-RATIO> .79
</TABLE>
