<PAGE> PAGE 1
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007 C030100 N
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007 C020200 GROWTH AND INCOME PORTFOLIO
007 C030200 N
007 C010300 3
007 C020300 GLOBAL BOND PORTFOLIO
007 C030300 N
007 C010400 4
007 C020400 PREMIER GROWTH PORTFOLIO
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007 C010500 5
007 C020500 U.S. GOVERNMENT/HIGH GRADE SECURITIES PORT
007 C030500 N
007 C010600 6
007 C020600 TOTAL RETURN PORTFOLIO
007 C030600 N
007 C010700 7
007 C020700 INTERNATIONAL PORTFOLIO
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007 C010800 8
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007 C010900 9
007 C020900 NORTH AMERICAN GOVERNMENT INCOME PORTFOLIO
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<PAGE> PAGE 2
007 C031000 N
015 A00AA01 STATE STREET BANK AND TRUST COMPANY
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015 C02AA01 MA
015 C03AA01 02110
015 E01AA01 X
015 A00AA02 STANDARD CHARTERED BANK
015 B00AA02 S
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015 D01AA02 THAILAND
015 E04AA02 X
015 A00AA03 CITIBANK, N.A.
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015 D01AA03 TURKEY
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015 A00AA04 STATE STREET BANK AND TRUST COMPANY
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015 A00AA05 CITIBANK, N.A.
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<PAGE> PAGE 3
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015 B00AA11 S
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015 D01AA11 POLAND
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015 C01AA12 LISBON
015 D01AA12 PORTUGAL
015 E04AA12 X
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015 D01AA13 SINGAPORE
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015 A00AA14 CESKOSLOVENSKA OBCHODNA BANKA A.S.
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015 A00AA15 STANDARD BANK OF SOUTH AFRICA LIMITED
015 B00AA15 S
015 C01AA15 SOUTH AFRICA
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015 A00AA17 THE HONGKONG AND SHANGHAI BANKING CORP LTD
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015 C01AA17 SRI LANKA
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015 A00AA20 UNION BANK OF SWITZERLAND
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<PAGE> PAGE 4
015 A00AA21 CENTRAL TRUST OF CHINA
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015 D01AA21 TAIWAN
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<PAGE> PAGE 5
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<PAGE> PAGE 6
015 C01AA41 TEL AVIV
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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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062 H001100 0.0
062 I001100 0.0
062 J001100 0.0
062 K001100 0.0
062 L001100 0.0
062 M001100 31.6
062 N001100 0.0
062 O001100 0.0
062 P001100 17.7
062 Q001100 48.4
062 R001100 0.0
063 A001100 0
063 B001100 15.4
064 A001100 N
071 A001100 1184
071 B001100 131
071 C001100 1442
071 D001100 9
072 A001100 6
072 B001100 70
072 C001100 0
072 D001100 0
072 E001100 0
072 F001100 6
072 G001100 0
072 H001100 0
072 I001100 1
072 J001100 26
072 K001100 0
072 L001100 3
072 M001100 1
072 N001100 0
072 O001100 0
072 P001100 0
072 Q001100 0
072 R001100 3
072 S001100 3
072 T001100 0
072 U001100 1
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072 W001100 1
072 X001100 45
072 Y001100 38
072 Z001100 63
072AA001100 6
072BB001100 0
072CC011100 122
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072DD021100 0
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<PAGE> PAGE 40
073 A011100 0.1300
073 A021100 0.0000
073 B001100 0.0000
073 C001100 0.0000
074 A001100 10
074 B001100 0
074 C001100 0
074 D001100 2223
074 E001100 0
074 F001100 0
074 G001100 0
074 H001100 0
074 I001100 0
074 J001100 1
074 K001100 4
074 L001100 53
074 M001100 13
074 N001100 2304
074 O001100 0
074 P001100 0
074 Q001100 0
074 R011100 0
074 R021100 0
074 R031100 0
074 R041100 29
074 S001100 0
074 T001100 2275
074 U011100 212
074 U021100 0
074 V011100 10.75
074 V021100 0.00
074 W001100 0.0000
074 X001100 3
074 Y001100 0
075 A001100 0
075 B001100 1530
076 001100 0.00
028 A011200 958
028 A021200 0
028 A031200 0
028 A041200 21
028 B011200 1434
028 B021200 0
028 B031200 0
028 B041200 35
028 C011200 1549
028 C021200 0
028 C031200 0
028 C041200 36
028 D011200 1938
028 D021200 0
<PAGE> PAGE 41
028 D031200 0
028 D041200 2
028 E011200 2478
028 E021200 0
028 E031200 0
028 E041200 29
028 F011200 2871
028 F021200 11
028 F031200 0
028 F041200 37
028 G011200 11228
028 G021200 11
028 G031200 0
028 G041200 160
028 H001200 0
062 A001200 N
062 B001200 0.0
062 C001200 0.0
062 D001200 0.0
062 E001200 0.0
062 F001200 0.0
062 G001200 0.0
062 H001200 0.0
062 I001200 0.0
062 J001200 0.0
062 K001200 0.0
062 L001200 0.0
062 M001200 0.0
062 N001200 0.0
062 O001200 0.0
062 P001200 0.0
062 Q001200 0.0
062 R001200 0.0
070 A011200 Y
070 A021200 N
070 B011200 Y
070 B021200 N
070 C011200 Y
070 C021200 N
070 D011200 Y
070 D021200 N
070 E011200 N
070 E021200 N
070 F011200 Y
070 F021200 N
070 G011200 Y
070 G021200 N
070 H011200 Y
070 H021200 N
070 I011200 N
070 I021200 N
<PAGE> PAGE 42
070 J011200 Y
070 J021200 Y
070 K011200 Y
070 K021200 N
070 L011200 Y
070 L021200 Y
070 M011200 Y
070 M021200 N
070 N011200 Y
070 N021200 N
070 O011200 Y
070 O021200 N
070 P011200 N
070 P021200 N
070 Q011200 N
070 Q021200 N
070 R011200 N
070 R021200 N
071 A001200 13578
071 B001200 3616
071 C001200 9710
071 D001200 37
072 A001200 6
072 B001200 39
072 C001200 108
072 D001200 0
072 E001200 0
072 F001200 40
072 G001200 0
072 H001200 0
072 I001200 1
072 J001200 29
072 K001200 0
072 L001200 2
072 M001200 1
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072 P001200 0
072 Q001200 0
072 R001200 7
072 S001200 3
072 T001200 0
072 U001200 1
072 V001200 0
072 W001200 1
072 X001200 87
072 Y001200 36
072 Z001200 96
072AA001200 498
072BB001200 142
072CC011200 1908
<PAGE> PAGE 43
072CC021200 0
072DD011200 11
072DD021200 0
072EE001200 0
073 A011200 0.0100
073 A021200 0.0000
073 B001200 0.0000
073 C001200 0.0000
074 A001200 186
074 B001200 0
074 C001200 2298
074 D001200 0
074 E001200 0
074 F001200 17112
074 G001200 0
074 H001200 0
074 I001200 0
074 J001200 145
074 K001200 0
074 L001200 129
074 M001200 8
074 N001200 19878
074 O001200 922
074 P001200 5
074 Q001200 0
074 R011200 0
074 R021200 0
074 R031200 0
074 R041200 31
074 S001200 0
074 T001200 18920
074 U011200 1480
074 U021200 0
074 V011200 12.78
074 V021200 0.00
074 W001200 0.0000
074 X001200 2
074 Y001200 0
075 A001200 0
075 B001200 10643
076 001200 0.00
028 A011300 275
028 A021300 0
028 A031300 0
028 A041300 1
028 B011300 138
028 B021300 0
028 B031300 0
028 B041300 6
028 C011300 232
028 C021300 0
<PAGE> PAGE 44
028 C031300 0
028 C041300 3
028 D011300 182
028 D021300 0
028 D031300 0
028 D041300 1
028 E011300 751
028 E021300 0
028 E031300 0
028 E041300 20
028 F011300 436
028 F021300 7
028 F031300 0
028 F041300 8
028 G011300 2014
028 G021300 7
028 G031300 0
028 G041300 39
028 H001300 0
062 A001300 N
062 B001300 0.0
062 C001300 0.0
062 D001300 0.0
062 E001300 0.0
062 F001300 0.0
062 G001300 0.0
062 H001300 0.0
062 I001300 0.0
062 J001300 0.0
062 K001300 0.0
062 L001300 0.0
062 M001300 0.0
062 N001300 0.0
062 O001300 0.0
062 P001300 0.0
062 Q001300 0.0
062 R001300 0.0
070 A011300 Y
070 A021300 N
070 B011300 Y
070 B021300 N
070 C011300 Y
070 C021300 N
070 D011300 Y
070 D021300 N
070 E011300 Y
070 E021300 N
070 F011300 Y
070 F021300 N
070 G011300 Y
070 G021300 N
<PAGE> PAGE 45
070 H011300 Y
070 H021300 N
070 I011300 N
070 I021300 N
070 J011300 Y
070 J021300 Y
070 K011300 N
070 K021300 N
070 L011300 Y
070 L021300 Y
070 M011300 Y
070 M021300 Y
070 N011300 Y
070 N021300 N
070 O011300 Y
070 O021300 N
070 P011300 N
070 P021300 N
070 Q011300 N
070 Q021300 N
070 R011300 N
070 R021300 N
071 A001300 2140
071 B001300 109
071 C001300 1427
071 D001300 8
072 A001300 6
072 B001300 26
072 C001300 17
072 D001300 0
072 E001300 0
072 F001300 10
072 G001300 0
072 H001300 0
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072 K001300 0
072 L001300 3
072 M001300 1
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072 S001300 2
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072 X001300 51
072 Y001300 41
<PAGE> PAGE 46
072 Z001300 33
072AA001300 4
072BB001300 11
072CC011300 94
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072DD021300 0
072EE001300 0
073 A011300 0.0300
073 A021300 0.0000
073 B001300 0.0000
073 C001300 0.0000
074 A001300 1
074 B001300 0
074 C001300 1092
074 D001300 0
074 E001300 0
074 F001300 2119
074 G001300 0
074 H001300 0
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074 J001300 0
074 K001300 5
074 L001300 25
074 M001300 8
074 N001300 3250
074 O001300 0
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074 R041300 28
074 S001300 0
074 T001300 3222
074 U011300 298
074 U021300 0
074 V011300 10.80
074 V021300 0.00
074 W001300 0.0000
074 X001300 2
074 Y001300 0
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075 B001300 1955
076 001300 0.00
028 A011400 71
028 A021400 0
028 A031400 0
028 A041400 28
028 B011400 103
028 B021400 0
<PAGE> PAGE 47
028 B031400 0
028 B041400 44
028 C011400 316
028 C021400 0
028 C031400 0
028 C041400 125
028 D011400 234
028 D021400 0
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028 D041400 3
028 E011400 245
028 E021400 0
028 E031400 0
028 E041400 2
028 F011400 588
028 F021400 4
028 F031400 0
028 F041400 11
028 G011400 1557
028 G021400 4
028 G031400 0
028 G041400 213
028 H001400 0
062 A001400 N
062 B001400 0.0
062 C001400 0.0
062 D001400 0.0
062 E001400 0.0
062 F001400 0.0
062 G001400 0.0
062 H001400 0.0
062 I001400 0.0
062 J001400 0.0
062 K001400 0.0
062 L001400 0.0
062 M001400 0.0
062 N001400 0.0
062 O001400 0.0
062 P001400 0.0
062 Q001400 0.0
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071 A001400 915
071 B001400 171
071 C001400 659
071 D001400 26
072 A001400 6
072 B001400 31
072 C001400 1
072 D001400 0
072 E001400 0
072 F001400 4
<PAGE> PAGE 48
072 G001400 0
072 H001400 0
072 I001400 1
072 J001400 25
072 K001400 0
072 L001400 5
072 M001400 1
072 N001400 0
072 O001400 0
072 P001400 0
072 Q001400 0
072 R001400 9
072 S001400 0
072 T001400 0
072 U001400 1
072 V001400 0
072 W001400 2
072 X001400 48
072 Y001400 43
072 Z001400 27
072AA001400 6
072BB001400 2
072CC011400 83
072CC021400 0
072DD011400 4
072DD021400 0
072EE001400 0
073 A011400 0.0200
073 A021400 0.0000
073 B001400 0.0000
073 C001400 0.0000
074 A001400 212
074 B001400 0
074 C001400 823
074 D001400 908
074 E001400 0
074 F001400 202
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074 K001400 5
074 L001400 29
074 M001400 9
074 N001400 2188
074 O001400 0
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074 R011400 0
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074 R031400 0
<PAGE> PAGE 49
074 R041400 28
074 S001400 0
074 T001400 2160
074 U011400 195
074 U021400 0
074 V011400 11.07
074 V021400 0.00
074 W001400 0.0000
074 X001400 2
074 Y001400 0
075 A001400 0
075 B001400 1146
076 001400 0.00
028 A011500 22
028 A021500 0
028 A031500 0
028 A041500 14
028 B011500 65
028 B021500 0
028 B031500 0
028 B041500 27
028 C011500 101
028 C021500 0
028 C031500 0
028 C041500 0
028 D011500 298
028 D021500 0
028 D031500 0
028 D041500 1
028 E011500 224
028 E021500 0
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028 E041500 8
028 F011500 475
028 F021500 1
028 F031500 0
028 F041500 0
028 G011500 1185
028 G021500 1
028 G031500 0
028 G041500 50
028 H001500 0
062 A001500 N
062 B001500 0.0
062 C001500 0.0
062 D001500 0.0
062 E001500 0.0
062 F001500 0.0
062 G001500 0.0
062 H001500 0.0
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<PAGE> PAGE 50
062 J001500 0.0
062 K001500 0.0
062 L001500 0.0
062 M001500 0.0
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062 P001500 0.0
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062 R001500 0.0
071 A001500 640
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072 A001500 6
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072 C001500 2
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073 A011500 0.0100
073 A021500 0.0000
073 B001500 0.0000
073 C001500 0.0000
074 A001500 42
<PAGE> PAGE 51
074 B001500 0
074 C001500 684
074 D001500 298
074 E001500 0
074 F001500 508
074 G001500 0
074 H001500 0
074 I001500 0
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074 K001500 6
074 L001500 17
074 M001500 9
074 N001500 1564
074 O001500 6
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074 R041500 27
074 S001500 0
074 T001500 1531
074 U011500 140
074 U021500 0
074 V011500 0.00
074 V021500 10.93
074 W001500 0.0000
074 X001500 2
074 Y001500 0
075 A001500 0
075 B001500 637
076 001500 0.00
063 A002800 0
063 B002800 0.0
SIGNATURE STEVE YU
TITLE AVP
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 1
<NAME> SHORT TERM MULTI MARKET
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-START> JAN-01-1995
<PERIOD-END> JUN-30-1995
<INVESTMENTS-AT-COST> 15,611,035
<INVESTMENTS-AT-VALUE> 15,744,501
<RECEIVABLES> 752,088
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 1,839
<TOTAL-ASSETS> 16,498,428
<PAYABLE-FOR-SECURITIES> 496,118
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 69,482
<TOTAL-LIABILITIES> 565,600
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 17,427,154
<SHARES-COMMON-STOCK> 1,580,912
<SHARES-COMMON-PRIOR> 2,111,469
<ACCUMULATED-NII-CURRENT> 735,558
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (2,340,413)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 110,529
<NET-ASSETS> 15,932,828
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 820,587
<OTHER-INCOME> 0
<EXPENSES-NET> 82,672
<NET-INVESTMENT-INCOME> 737,915
<REALIZED-GAINS-CURRENT> (2,170,235)
<APPREC-INCREASE-CURRENT> 1,584,067
<NET-CHANGE-FROM-OPS> 151,747
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 249,940
<NUMBER-OF-SHARES-REDEEMED> 780,497
<SHARES-REINVESTED> 0
<NET-CHANGE-IN-ASSETS> (4,988,031)
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (170,178)
<OVERDISTRIB-NII-PRIOR> (2,357)
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 47,714
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 98,142
<AVERAGE-NET-ASSETS> 17,494,485
<PER-SHARE-NAV-BEGIN> 9.91
<PER-SHARE-NII> .41
<PER-SHARE-GAIN-APPREC> (.24)
<PER-SHARE-DIVIDEND> 0
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.08
<EXPENSE-RATIO> .95
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 2
<NAME> GROWTH AND INCOME PORTFOLIO
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-END> JUN-30-1995
<INVESTMENTS-AT-COST> 50,765,347
<INVESTMENTS-AT-VALUE> 57,921,322
<RECEIVABLES> 1,490,314
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 175,766
<TOTAL-ASSETS> 59,587,402
<PAYABLE-FOR-SECURITIES> 1,496,347
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 78,260
<TOTAL-LIABILITIES> 1,574,607
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 49,174,771
<SHARES-COMMON-STOCK> 4,162,724
<SHARES-COMMON-PRIOR> 3,517,661
<ACCUMULATED-NII-CURRENT> 543,887
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 1,138,165
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 7,155,972
<NET-ASSETS> 58,012,795
<DIVIDEND-INCOME> 554,988
<INTEREST-INCOME> 175,447
<OTHER-INCOME> 0
<EXPENSES-NET> 194,902
<NET-INVESTMENT-INCOME> 535,533
<REALIZED-GAINS-CURRENT> 1,144,349
<APPREC-INCREASE-CURRENT> 7,294,504
<NET-CHANGE-FROM-OPS> 8,974,386
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 531,525
<DISTRIBUTIONS-OF-GAINS> 551,658
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 794,920
<NUMBER-OF-SHARES-REDEEMED> 229,037
<SHARES-REINVESTED> 79,180
<NET-CHANGE-IN-ASSETS> 16,310,924
<ACCUMULATED-NII-PRIOR> 539,879
<ACCUMULATED-GAINS-PRIOR> 545,474
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 149,591
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 194,902
<AVERAGE-NET-ASSETS> 48,265,789
<PER-SHARE-NAV-BEGIN> 11.85
<PER-SHARE-NII> .14
<PER-SHARE-GAIN-APPREC> 2.22
<PER-SHARE-DIVIDEND> .13
<PER-SHARE-DISTRIBUTIONS> .14
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 13.94
<EXPENSE-RATIO> .81
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 3
<NAME> GLOBAL BOND PORTFOLIO
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-END> JUN-30-1995
<INVESTMENTS-AT-COST> 8,419,165
<INVESTMENTS-AT-VALUE> 8,829,846
<RECEIVABLES> 248,591
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 33,043
<TOTAL-ASSETS> 9,111,480
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 40,261
<TOTAL-LIABILITIES> 40,261
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 8,134,035
<SHARES-COMMON-STOCK> 799,168
<SHARES-COMMON-PRIOR> 743,012
<ACCUMULATED-NII-CURRENT> 256,180
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 275,940
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 405,064
<NET-ASSETS> 9,071,219
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 295,529
<OTHER-INCOME> 0
<EXPENSES-NET> 38,224
<NET-INVESTMENT-INCOME> 257,305
<REALIZED-GAINS-CURRENT> 427,740
<APPREC-INCREASE-CURRENT> 529,325
<NET-CHANGE-FROM-OPS> 1,214,370
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 72,090
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 68,971
<NUMBER-OF-SHARES-REDEEMED> 19,167
<SHARES-REINVESTED> 6,352
<NET-CHANGE-IN-ASSETS> 1,773,150
<ACCUMULATED-NII-PRIOR> 70,965
<ACCUMULATED-GAINS-PRIOR> (151,800)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 26,157
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 67,063
<AVERAGE-NET-ASSETS> 8,114,840
<PER-SHARE-NAV-BEGIN> 9.82
<PER-SHARE-NII> .34
<PER-SHARE-GAIN-APPREC> 1.28
<PER-SHARE-DIVIDEND> .09
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 11.35
<EXPENSE-RATIO> .95
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 4
<NAME> PREMIER GROWTH PORTFOLIO
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-END> JUN-30-1995
<INVESTMENTS-AT-COST> 51,000,341
<INVESTMENTS-AT-VALUE> 61,947,313
<RECEIVABLES> 268,034
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 108,212
<TOTAL-ASSETS> 62,323,559
<PAYABLE-FOR-SECURITIES> 1,081,267
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 68,948
<TOTAL-LIABILITIES> 1,150,215
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 48,711,869
<SHARES-COMMON-STOCK> 3,892,822
<SHARES-COMMON-PRIOR> 3,044,420
<ACCUMULATED-NII-CURRENT> 159,356
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 1,355,147
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 10,946,972
<NET-ASSETS> 61,173,344
<DIVIDEND-INCOME> 336,714
<INTEREST-INCOME> 49,283
<OTHER-INCOME> 0
<EXPENSES-NET> 224,895
<NET-INVESTMENT-INCOME> 161,102
<REALIZED-GAINS-CURRENT> 1,357,680
<APPREC-INCREASE-CURRENT> 10,683,677
<NET-CHANGE-FROM-OPS> 12,202,459
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 97,581
<DISTRIBUTIONS-OF-GAINS> 273,977
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 1,389,320
<NUMBER-OF-SHARES-REDEEMED> 565,672
<SHARES-REINVESTED> 24,754
<NET-CHANGE-IN-ASSETS> 23,504,250
<ACCUMULATED-NII-PRIOR> 95,835
<ACCUMULATED-GAINS-PRIOR> 271,444
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
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<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 287,421
<AVERAGE-NET-ASSETS> 47,738,687
<PER-SHARE-NAV-BEGIN> 12.37
<PER-SHARE-NII> .05
<PER-SHARE-GAIN-APPREC> 3.39
<PER-SHARE-DIVIDEND> .03
<PER-SHARE-DISTRIBUTIONS> .07
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 15.71
<EXPENSE-RATIO> .95
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<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 5
<NAME> US GOVERNMENT/HIGH GRADE SECURITIES PORTFOLIO
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-END> JUN-30-1995
<INVESTMENTS-AT-COST> 8,826,132
<INVESTMENTS-AT-VALUE> 9,152,870
<RECEIVABLES> 256,792
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 232,997
<TOTAL-ASSETS> 9,642,659
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 24,280
<TOTAL-LIABILITIES> 24,280
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 9,077,540
<SHARES-COMMON-STOCK> 880,275
<SHARES-COMMON-PRIOR> 513,429
<ACCUMULATED-NII-CURRENT> 206,856
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 7,245
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 326,738
<NET-ASSETS> 9,618,379
<DIVIDEND-INCOME> 2,363
<INTEREST-INCOME> 239,319
<OTHER-INCOME> 0
<EXPENSES-NET> 32,196
<NET-INVESTMENT-INCOME> 209,486
<REALIZED-GAINS-CURRENT> 37,025
<APPREC-INCREASE-CURRENT> 523,756
<NET-CHANGE-FROM-OPS> 770,267
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (149,970)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 504,252
<NUMBER-OF-SHARES-REDEEMED> 151,114
<SHARES-REINVESTED> 13,708
<NET-CHANGE-IN-ASSETS> 4,517,095
<ACCUMULATED-NII-PRIOR> 147,340
<ACCUMULATED-GAINS-PRIOR> (29,780)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 20,335
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 60,939
<AVERAGE-NET-ASSETS> 6,834,343
<PER-SHARE-NAV-BEGIN> 9.94
<PER-SHARE-NII> .32
<PER-SHARE-GAIN-APPREC> .85
<PER-SHARE-DIVIDEND> .18
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.93
<EXPENSE-RATIO> .95
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 6
<NAME> TOTAL RETURN PORTFOLIO
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-END> JUN-30-1995
<INVESTMENTS-AT-COST> 2,242,154
<INVESTMENTS-AT-VALUE> 2,346,077
<RECEIVABLES> 61,890
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 12,694
<TOTAL-ASSETS> 2,420,661
<PAYABLE-FOR-SECURITIES> 129,898
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 46,108
<TOTAL-LIABILITIES> 176,006
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 2,117,297
<SHARES-COMMON-STOCK> 191,601
<SHARES-COMMON-PRIOR> 72,033
<ACCUMULATED-NII-CURRENT> 19,472
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 3,963
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 103,923
<NET-ASSETS> 2,244,655
<DIVIDEND-INCOME> 6,492
<INTEREST-INCOME> 18,515
<OTHER-INCOME> 0
<EXPENSES-NET> 5,386
<NET-INVESTMENT-INCOME> 19,621
<REALIZED-GAINS-CURRENT> 8,400
<APPREC-INCREASE-CURRENT> 112,544
<NET-CHANGE-FROM-OPS> 140,565
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 10,089
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 134,518
<NUMBER-OF-SHARES-REDEEMED> 15,816
<SHARES-REINVESTED> 866
<NET-CHANGE-IN-ASSETS> 1,494,755
<ACCUMULATED-NII-PRIOR> 9,940
<ACCUMULATED-GAINS-PRIOR> (4,437)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 3,544
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 46,631
<AVERAGE-NET-ASSETS> 1,143,444
<PER-SHARE-NAV-BEGIN> 10.41
<PER-SHARE-NII> .18
<PER-SHARE-GAIN-APPREC> 1.2
<PER-SHARE-DIVIDEND> .07
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 11.72
<EXPENSE-RATIO> .95
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 7
<NAME> INTERNATIONAL PORTFOLIO
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-END> JUN-30-1995
<INVESTMENTS-AT-COST> 9,538,331
<INVESTMENTS-AT-VALUE> 9,799,064
<RECEIVABLES> 221,957
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 192,468
<TOTAL-ASSETS> 10,213,489
<PAYABLE-FOR-SECURITIES> 169,593
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 111,329
<TOTAL-LIABILITIES> 280,922
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 9,791,656
<SHARES-COMMON-STOCK> 756,252
<SHARES-COMMON-PRIOR> 564,889
<ACCUMULATED-NII-CURRENT> 84,577
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (174,569)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 230,903
<NET-ASSETS> 9,932,567
<DIVIDEND-INCOME> 29,810
<INTEREST-INCOME> 92,804
<OTHER-INCOME> 0
<EXPENSES-NET> 38,350
<NET-INVESTMENT-INCOME> 84,264
<REALIZED-GAINS-CURRENT> (165,652)
<APPREC-INCREASE-CURRENT> 314,142
<NET-CHANGE-FROM-OPS> 232,754
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 23,594
<DISTRIBUTIONS-OF-GAINS> 29,314
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 240,052
<NUMBER-OF-SHARES-REDEEMED> 52,728
<SHARES-REINVESTED> 4,039
<NET-CHANGE-IN-ASSETS> 2,656,179
<ACCUMULATED-NII-PRIOR> 23,907
<ACCUMULATED-GAINS-PRIOR> 20,397
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 40,368
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 120,302
<AVERAGE-NET-ASSETS> 8,140,522
<PER-SHARE-NAV-BEGIN> 12.88
<PER-SHARE-NII> .13
<PER-SHARE-GAIN-APPREC> .19
<PER-SHARE-DIVIDEND> .03
<PER-SHARE-DISTRIBUTIONS> .04
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 13.13
<EXPENSE-RATIO> .95
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 8
<NAME> MONEY MARKET PORTFOLIO
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-END> JUN-30-1995
<INVESTMENTS-AT-COST> 18,691,986
<INVESTMENTS-AT-VALUE> 18,691,986
<RECEIVABLES> 95,629
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 158,438
<TOTAL-ASSETS> 18,946,053
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 50,820
<TOTAL-LIABILITIES> 50,820
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 18,894,766
<SHARES-COMMON-STOCK> 18,895,569
<SHARES-COMMON-PRIOR> 6,898,778
<ACCUMULATED-NII-CURRENT> 803
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (336)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 18,895,233
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 292,013
<OTHER-INCOME> 0
<EXPENSES-NET> 46,848
<NET-INVESTMENT-INCOME> 245,165
<REALIZED-GAINS-CURRENT> 147
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 245,312
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 245,165
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 24,225,595
<NUMBER-OF-SHARES-REDEEMED> 12,474,904
<SHARES-REINVESTED> 246,100
<NET-CHANGE-IN-ASSETS> 11,996,938
<ACCUMULATED-NII-PRIOR> 803
<ACCUMULATED-GAINS-PRIOR> (483)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 24,657
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 63,445
<AVERAGE-NET-ASSETS> 9,944,535
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> .02
<PER-SHARE-GAIN-APPREC> 0
<PER-SHARE-DIVIDEND> .02
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> .95
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 9
<NAME> NORTH AMERICAN GOVERNMENT INCOME PORTFOLIO
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-END> JUN-30-1995
<INVESTMENTS-AT-COST> 5,036,018
<INVESTMENTS-AT-VALUE> 4,723,019
<RECEIVABLES> 102,119
<ASSETS-OTHER> 329,655
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 5,154,793
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 28,991
<TOTAL-LIABILITIES> 28,991
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 5,596,538
<SHARES-COMMON-STOCK> 558,093
<SHARES-COMMON-PRIOR> 437,622
<ACCUMULATED-NII-CURRENT> 231,956
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (389,686)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> (313,006)
<NET-ASSETS> 5,125,802
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 253,541
<OTHER-INCOME> 0
<EXPENSES-NET> 18,508
<NET-INVESTMENT-INCOME> 235,033
<REALIZED-GAINS-CURRENT> (376,754)
<APPREC-INCREASE-CURRENT> 402,744
<NET-CHANGE-FROM-OPS> 261,023
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 144,624
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 225,142
<NUMBER-OF-SHARES-REDEEMED> 120,477
<SHARES-REINVESTED> 15,806
<NET-CHANGE-IN-ASSETS> 1,277,720
<ACCUMULATED-NII-PRIOR> 141,547
<ACCUMULATED-GAINS-PRIOR> (12,932)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 12,663
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 54,790
<AVERAGE-NET-ASSETS> 3,928,633
<PER-SHARE-NAV-BEGIN> 8.79
<PER-SHARE-NII> .52
<PER-SHARE-GAIN-APPREC> .14
<PER-SHARE-DIVIDEND> .27
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 9.18
<EXPENSE-RATIO> .95
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 10
<NAME> UTILITY INCOME PORTFOLIO
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-END> JUN-30-1995
<INVESTMENTS-AT-COST> 3,038,440
<INVESTMENTS-AT-VALUE> 3,164,921
<RECEIVABLES> 121,809
<ASSETS-OTHER> 11,804
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 3,298,534
<PAYABLE-FOR-SECURITIES> 314,544
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 41,577
<TOTAL-LIABILITIES> 356,121
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 2,782,812
<SHARES-COMMON-STOCK> 267,771
<SHARES-COMMON-PRIOR> 125,979
<ACCUMULATED-NII-CURRENT> 31,924
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 1,183
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 126,494
<NET-ASSETS> 2,942,413
<DIVIDEND-INCOME> 34,953
<INTEREST-INCOME> 5,994
<OTHER-INCOME> 0
<EXPENSES-NET> 8,725
<NET-INVESTMENT-INCOME> 32,222
<REALIZED-GAINS-CURRENT> 10,850
<APPREC-INCREASE-CURRENT> 159,456
<NET-CHANGE-FROM-OPS> 202,528
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 19,130
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 166,174
<NUMBER-OF-SHARES-REDEEMED> 26,144
<SHARES-REINVESTED> 1,762
<NET-CHANGE-IN-ASSETS> 1,688,164
<ACCUMULATED-NII-PRIOR> 18,832
<ACCUMULATED-GAINS-PRIOR> (9,667)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 6,888
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 45,357
<AVERAGE-NET-ASSETS> 1,851,996
<PER-SHARE-NAV-BEGIN> 9.96
<PER-SHARE-NII> .18
<PER-SHARE-GAIN-APPREC> .93
<PER-SHARE-DIVIDEND> .08
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.99
<EXPENSE-RATIO> .95
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 11
<NAME> GLOBAL DOLLAR GOVERNMENT PORTFOLIO
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-END> JUN-30-1995
<INVESTMENTS-AT-COST> 2,152,811
<INVESTMENTS-AT-VALUE> 2,222,574
<RECEIVABLES> 58,730
<ASSETS-OTHER> 22,246
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 2,303,550
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 28,267
<TOTAL-LIABILITIES> 28,267
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 2,140,157
<SHARES-COMMON-STOCK> 211,603
<SHARES-COMMON-PRIOR> 116,502
<ACCUMULATED-NII-CURRENT> 60,388
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 4,975
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 69,763
<NET-ASSETS> 2,275,283
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 69,815
<OTHER-INCOME> 0
<EXPENSES-NET> 7,207
<NET-INVESTMENT-INCOME> 62,608
<REALIZED-GAINS-CURRENT> 5,746
<APPREC-INCREASE-CURRENT> 122,484
<NET-CHANGE-FROM-OPS> 190,838
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 28,002
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 114,943
<NUMBER-OF-SHARES-REDEEMED> 22,489
<SHARES-REINVESTED> 2,647
<NET-CHANGE-IN-ASSETS> 1,128,957
<ACCUMULATED-NII-PRIOR> 25,782
<ACCUMULATED-GAINS-PRIOR> (771)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 5,690
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 45,396
<AVERAGE-NET-ASSETS> 1,529,861
<PER-SHARE-NAV-BEGIN> 9.84
<PER-SHARE-NII> .40
<PER-SHARE-GAIN-APPREC> .64
<PER-SHARE-DIVIDEND> .13
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.75
<EXPENSE-RATIO> .95
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 12
<NAME> GROWTH PORTFOLIO
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-END> JUN-30-1995
<INVESTMENTS-AT-COST> 17,295,901
<INVESTMENTS-AT-VALUE> 19,409,654
<RECEIVABLES> 273,800
<ASSETS-OTHER> 194,861
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 19,878,315
<PAYABLE-FOR-SECURITIES> 922,026
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 36,715
<TOTAL-LIABILITIES> 958,741
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 16,402,195
<SHARES-COMMON-STOCK> 1,479,930
<SHARES-COMMON-PRIOR> 521,613
<ACCUMULATED-NII-CURRENT> 96,732
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 306,906
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 2,113,741
<NET-ASSETS> 18,919,574
<DIVIDEND-INCOME> 107,848
<INTEREST-INCOME> 38,670
<OTHER-INCOME> 0
<EXPENSES-NET> 50,136
<NET-INVESTMENT-INCOME> 96,382
<REALIZED-GAINS-CURRENT> 355,700
<APPREC-INCREASE-CURRENT> 1,907,835
<NET-CHANGE-FROM-OPS> 2,359,917
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 10,913
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 971,478
<NUMBER-OF-SHARES-REDEEMED> 14,035
<SHARES-REINVESTED> 874
<NET-CHANGE-IN-ASSETS> 13,427,810
<ACCUMULATED-NII-PRIOR> 11,263
<ACCUMULATED-GAINS-PRIOR> (48,794)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 39,581
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 86,682
<AVERAGE-NET-ASSETS> 10,642,735
<PER-SHARE-NAV-BEGIN> 10.53
<PER-SHARE-NII> .10
<PER-SHARE-GAIN-APPREC> 2.16
<PER-SHARE-DIVIDEND> .01
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 12.78
<EXPENSE-RATIO> .95
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 14
<NAME> CONSERVATIVE INVESTORS PORTFOLIO
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-END> JUN-30-1995
<INVESTMENTS-AT-COST> 1,848,638
<INVESTMENTS-AT-VALUE> 1,933,081
<RECEIVABLES> 33,654
<ASSETS-OTHER> 220,807
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 2,187,542
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 28,042
<TOTAL-LIABILITIES> 28,042
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<TABLE> <S> <C>
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<SERIES>
<NUMBER> 13
<NAME> WORLDWIDE PRIVATIZATION PORTFOLIO
<S> <C>
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<TABLE> <S> <C>
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<SERIES>
<NUMBER> 15
<NAME> GROWTH INVESTORS PORTFOLIO
<S> <C>
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