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<PAGE> PAGE 7
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<PAGE> PAGE 9
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<PAGE> PAGE 11
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<PAGE> PAGE 13
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<PAGE> PAGE 14
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<PAGE> PAGE 18
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<PAGE> PAGE 19
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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 39
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<PAGE> PAGE 40
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<PAGE> PAGE 41
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<PAGE> PAGE 42
008 A000801 ATLAS ADVISERS, INC.
008 B000801 A
008 C000801 801-30489
008 D010801 SAN LEANDRO
008 D020801 CA
008 D030801 94577
015 A000801 INVESTORS BANK & TRUST COMPANY
015 B000801 C
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015 A000804 IRVING TRUST COMPANY
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<PAGE> PAGE 43
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<PAGE> PAGE 44
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<PAGE> PAGE 45
070 A020800 N
070 B010800 N
070 B020800 N
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070 C020800 N
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070 D020800 N
070 E010800 Y
070 E020800 N
070 F010800 N
070 F020800 N
070 G010800 Y
070 G020800 N
070 H010800 N
070 H020800 N
070 I010800 N
070 I020800 N
070 J010800 Y
070 J020800 N
070 K010800 N
070 K020800 N
070 L010800 Y
070 L020800 N
070 M010800 N
070 M020800 N
070 N010800 Y
070 N020800 N
070 O010800 Y
070 O020800 N
070 P010800 Y
070 P020800 N
070 Q010800 N
070 Q020800 N
070 R010800 N
070 R020800 N
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<PAGE> PAGE 46
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<PAGE> PAGE 47
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008 A000901 ATLAS ADVISERS, INC.
008 B000901 A
008 C000901 801-3089
008 D010901 SAN LEANDRO
008 D020901 CA
008 D030901 94577
008 A000902 BOSTON SAFE ADVISERS, INC.
008 B000902 S
008 C000902 801-14158
008 D010902 BOSTON
008 D020902 MA
008 D030902 02108
015 A000901 INVESTORS BANK & TRUST COMPANY
015 B000901 C
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015 C020901 M
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015 A000902 CHEMICAL BANK
015 B000902 S
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015 C020902 NY
015 C030902 10172
015 E010902 X
015 A000903 MORGAN GUARANTY TRUST COMPANY OF NEW YORK
015 B000903 S
015 C010903 NEW YORK
015 C020903 NY
015 C030903 10015
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015 A000904 IRVING TRUST COMPANY
015 B000904 S
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015 A000905 BANKERS TRUST COMPANY
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<PAGE> PAGE 48
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<PAGE> PAGE 49
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<PAGE> PAGE 50
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070 F020900 N
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070 H010900 N
070 H020900 N
070 I010900 N
070 I020900 N
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070 J020900 N
070 K010900 N
070 K020900 N
070 L010900 Y
070 L020900 N
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070 M020900 N
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<PAGE> PAGE 51
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<PAGE> PAGE 52
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008 A001001 ATLAS ADVISERS, IN.C
008 B001001 A
008 C001001 801-30489
008 D011001 SAN LEANDRO
008 D021001 CA
008 D031001 94577
008 A001002 BOSTON SAFE ADVISERS, INC.
008 B001002 S
008 C001002 801-14158
008 D011002 BOSTON
008 D021002 MA
008 D031002 02108
015 A001001 INVESTORS BANK & TRUST COMPANY
015 B001001 C
015 C011001 BOSTON
015 C021001 MA
015 C031001 02205
015 C041001 1537
015 E011001 X
015 A001002 CHEMICAL BANK
015 B001002 S
015 C011002 NEW YORK
015 C021002 NY
015 C031002 10172
015 E011002 X
015 A001003 MORGAN GUARANTY TRUST COMPANY OF NEW YORK
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015 C011003 NEW YORK
015 C021003 NY
015 C031003 10015
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<PAGE> PAGE 53
015 A001004 IRVING TRUST COMPANY
015 B001004 S
015 C011004 NEW YORK
015 C021004 NY
015 C031004 10015
015 E011004 X
015 A001005 BANKERS TRUST COMPANY
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<PAGE> PAGE 54
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<PAGE> PAGE 55
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<PAGE> PAGE 56
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<PAGE> PAGE 57
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008 A001101 ATLAS ADVISERS, INC.
008 B001101 A
008 C001101 801-30489
008 D011101 SAN LEANDRO
008 D021101 CA
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008 A001102 OPPENHEIMERFUNDS, INC.
008 B001102 S
008 C001102 801-8253
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008 D031102 10048
015 A001101 INVESTORS BANK & TRUST COMPANY
015 B001101 C
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015 C031101 02205
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<PAGE> PAGE 58
015 E011101 X
015 A001102 CHEMICAL BANK
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015 C021102 NY
015 C031102 10172
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015 A001103 MORGAN GUARANTY TRUST COMPANY OF NEW YORK
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015 C021103 NY
015 C031103 10015
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015 A001104 IRVING TRUST COMPANY
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015 C031105 10015
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024 001100 Y
025 A001101 MERRILL LYNCH & CO., INC. (COX COMM.)
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<PAGE> PAGE 59
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<PAGE> PAGE 60
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062 P001100 0.0
062 Q001100 0.0
062 R001100 0.0
066 A001100 Y
066 B001100 N
066 C001100 N
066 D001100 N
066 E001100 Y
066 F001100 N
066 G001100 N
067 001100 Y
<PAGE> PAGE 61
068 A001100 N
068 B001100 N
069 001100 N
070 A011100 Y
070 A021100 Y
070 B011100 Y
070 B021100 N
070 C011100 N
070 C021100 N
070 D011100 Y
070 D021100 N
070 E011100 N
070 E021100 N
070 F011100 Y
070 F021100 N
070 G011100 N
070 G021100 N
070 H011100 Y
070 H021100 N
070 I011100 N
070 I021100 N
070 J011100 Y
070 J021100 Y
070 K011100 N
070 K021100 N
070 L011100 Y
070 L021100 Y
070 M011100 Y
070 M021100 Y
070 N011100 Y
070 N021100 N
070 O011100 Y
070 O021100 N
070 P011100 Y
070 P021100 Y
070 Q011100 N
070 Q021100 N
070 R011100 N
070 R021100 N
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071 B001100 8457
071 C001100 20425
071 D001100 41
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<PAGE> PAGE 62
072 I001100 43
072 J001100 22
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072 M001100 1
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072 Q001100 0
072 R001100 13
072 S001100 0
072 T001100 80
072 U001100 0
072 V001100 0
072 W001100 6
072 X001100 351
072 Y001100 15
072 Z001100 946
072AA001100 891
072BB001100 0
072CC011100 1903
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072EE001100 888
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074 K001100 0
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074 N001100 34244
074 O001100 49
074 P001100 0
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<PAGE> PAGE 63
074 T001100 34091
074 U011100 2404
074 U021100 395
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008 A001201 ATLAS ADVISERS, INC.
008 B001201 A
008 C001201 801-30489
008 D011201 SAN LEANDRO
008 D021201 CA
008 D031201 94577
008 A001202 OPPENHEIMERFUDNS, INC.
008 B001202 S
008 C001202 801-8253
008 D011202 NEW YORK
008 D021202 NY
008 D031202 10048
015 A001201 INVESTORS BANK & TRUST COMPANY
015 B001201 C
015 C011201 BOSTON
015 C021201 MA
015 C031201 02205
015 C041201 1537
015 E011201 X
015 A001202 CHEMICAL BANK
015 B001202 S
015 C011202 NEW YORK
015 C021202 NY
015 C031202 10172
015 E011202 X
015 A001203 MORGAN GUARANTY TRUST COMPANY OF NEW YORK
015 B001203 S
015 C011203 NEW YORK
015 C021203 NY
015 C031203 10015
015 E011203 X
015 A001204 IRVING TRUST COMPANY
015 B001204 S
015 C011204 NEW YORK
015 C021204 NY
015 C031204 10015
015 E011204 X
015 A001205 BANKERS TRUST COMPANY
015 B001205 S
015 C011205 NEW YORK
<PAGE> PAGE 64
015 C021205 NY
015 C031205 10015
015 E011205 X
024 001200 Y
025 A001201 MERRILL LYNCH & CO., INC.
025 B001201 13-5674085
025 C001201 E
025 D001201 481
025 A001202 MORGAN STANLEY
025 B001202 13-2655998
025 C001202 E
025 D001202 434
025 A001203 SALOMON BROTHERS
025 B001203 13-3082694
025 C001203 E
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028 G041200 1063
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029 001200 Y
<PAGE> PAGE 65
030 A001200 47
030 B001200 3.00
030 C001200 0.50
031 A001200 10
031 B001200 0
032 001200 0
033 001200 37
034 001200 Y
035 001200 3
036 A001200 N
036 B001200 0
037 001200 N
038 001200 0
039 001200 N
040 001200 Y
041 001200 Y
042 A001200 0
042 B001200 0
042 C001200 0
042 D001200 100
042 E001200 0
042 F001200 0
042 G001200 0
042 H001200 0
043 001200 73
044 001200 36
045 001200 Y
046 001200 N
047 001200 Y
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048 I021200 0.000
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<PAGE> PAGE 66
048 K021200 0.500
058 A001200 N
059 001200 Y
060 A001200 Y
060 B001200 Y
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062 A001200 N
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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
066 A001200 Y
066 B001200 N
066 C001200 Y
066 D001200 N
066 E001200 N
066 F001200 N
066 G001200 N
067 001200 N
068 A001200 N
068 B001200 N
069 001200 N
070 A011200 Y
070 A021200 Y
070 B011200 Y
070 B021200 N
070 C011200 N
070 C021200 N
070 D011200 Y
070 D021200 N
070 E011200 N
070 E021200 N
070 F011200 Y
070 F021200 N
070 G011200 N
070 G021200 N
070 H011200 Y
070 H021200 N
<PAGE> PAGE 67
070 I011200 N
070 I021200 N
070 J011200 Y
070 J021200 N
070 K011200 N
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 Y
070 P021200 Y
070 Q011200 N
070 Q021200 N
070 R011200 N
070 R021200 N
071 A001200 26100
071 B001200 19465
071 C001200 16239
071 D001200 120
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072 C001200 264
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072 F001200 147
072 G001200 0
072 H001200 0
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072 J001200 21
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072 L001200 7
072 M001200 1
072 N001200 3
072 O001200 0
072 P001200 0
072 Q001200 0
072 R001200 13
072 S001200 0
072 T001200 73
072 U001200 0
072 V001200 0
072 W001200 4
072 X001200 308
072 Y001200 13
072 Z001200 206
072AA001200 2797
<PAGE> PAGE 68
072BB001200 0
072CC011200 1529
072CC021200 0
072DD011200 181
072DD021200 25
072EE001200 2795
073 A011200 0.1274
073 A021200 0.0684
073 B001200 1.5627
073 C001200 0.0000
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074 C001200 0
074 D001200 0
074 E001200 0
074 F001200 21992
074 G001200 0
074 H001200 0
074 I001200 0
074 J001200 0
074 K001200 0
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074 M001200 2
074 N001200 28105
074 O001200 0
074 P001200 0
074 Q001200 0
074 R011200 0
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074 R041200 163
074 S001200 0
074 T001200 27942
074 U011200 1588
074 U021200 409
074 V011200 14.01
074 V021200 13.92
074 W001200 0.0000
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075 A001200 0
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076 001200 0.00
008 A001301 ATLAS ADVISERS, INC.
008 B001301 A
008 C001301 801-30489
008 D011301 SAN LEANDRO
008 D021301 CA
008 D031301 94577
008 A001302 OPPENHEIMERFUNDS, INC.
008 B001302 S
<PAGE> PAGE 69
008 C001302 801-8253
008 D011302 NEW YORK
008 D021302 NY
008 D031302 10048
015 A001301 INVESTORS BANK & TRUST COMPANY
015 B001301 C
015 C011301 BOSTON
015 C021301 MA
015 C031301 02205
015 C041301 1537
015 E011301 X
015 A001302 CHEMICAL BANK
015 B001302 S
015 C011302 NEW YORK
015 C021302 NY
015 C031302 10172
015 E011302 X
015 A001303 MORGAN GUARANTY TRUST COMPANY OF NEW YORK
015 B001303 S
015 C011303 NEW YORK
015 C021303 NY
015 C031303 10015
015 E011303 X
015 A001304 IRVING TRUST COMPANY
015 B001304 S
015 C011304 NEW YORK
015 C021304 NY
015 C031304 10015
015 E011304 X
015 A001305 BANKERS TRUST COMPANY
015 B001305 S
015 C011305 NEW YORK
015 C021305 NY
015 C031305 10015
015 E011305 X
015 A001306 CITIBANK, N.A.
015 B001306 S
015 C011306 BUENOS AIRES
015 D011306 ARGENTINA
015 E041306 X
015 A001307 NATIONAL AUSTRALIA BANK LIMITED
015 B001307 S
015 C011307 MELBOURNE
015 D011307 AUSTRALIA
015 E041307 X
015 A001308 CREDITANSTALT BANKVEREIN
015 B001308 S
015 C011308 VIENNA
015 D011308 AUSTRIA
015 E041308 X
015 A001309 BANCO DE BOSTON
<PAGE> PAGE 70
015 B001309 S
015 C011309 SAO PAULO
015 D011309 BRAZIL
015 E041309 X
015 A001310 ROYAL TRUST CORPORATION OF CANADA
015 B001310 S
015 C011310 TORONTO
015 D011310 CANADA
015 E041310 X
015 A001311 EUROCLEAR/KANSALLIS-OSAKE-PANKKI
015 B001311 S
015 C011311 HELSINKI
015 D011311 FINLAND
015 E041311 X
015 A001312 BANQUE PARIBAS
015 B001312 S
015 C011312 PARIS
015 D011312 FRANCE
015 E041312 X
015 A001313 EUROCLEAR/DEUTSCHE BANK A.G.
015 B001313 S
015 C011313 FRANKFURT
015 D011313 GERMANY
015 E041313 X
015 A001314 CITIBANK, N.A.
015 B001314 S
015 C011314 ATHENS
015 D011314 GREECE
015 E041314 X
015 A001315 STANDARD CHARTERED BANK
015 B001315 S
015 C011315 HONG KONG
015 D011315 HONG KONG
015 E041315 X
015 A001316 ANZ GRINDLAYS BANK
015 B001316 S
015 C011316 BOMBAY
015 D011316 INDIA
015 E041316 X
015 A001317 STANDARD CHARTERED BANK
015 B001317 S
015 C011317 JAKARTA
015 D011317 INDONESIA
015 E041317 X
015 A001318 CITIBANK, N.A.
015 B001318 S
015 C011318 MILANO
015 D011318 ITALY
015 E041318 X
015 A001319 STANDARD CHARTERED BANK
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<PAGE> PAGE 71
015 C011319 TOKYO
015 D011319 JAPAN
015 E041319 X
015 A001320 EUROCLEAR/BANQUE ET CAISSE
015 B001320 S
015 C011320 LUXEMBOURG
015 D011320 LUXEMBOURG
015 E041320 X
015 A001321 STANDARD CHARTERED MALAYSIA BERHAD
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015 C011321 KUALA LUMPUR
015 D011321 MALAYSIA
015 E041321 X
015 A001322 BANCOMER, S.A.
015 B001322 S
015 C011322 COLONIA JUAREZ
015 D011322 MEXICO
015 E041322 X
015 A001323 MEESPIERSON
015 B001323 S
015 C011323 AMSTERDAM
015 D011323 NETHERLANDS
015 E041323 X
015 A001324 STANDARD CHARTERED BANK
015 B001324 S
015 C011324 MANILA
015 D011324 PHILIPPINES
015 E041324 X
015 A001325 CITIBANK PORTUGAL S.A.
015 B001325 S
015 C011325 LISBOA
015 D011325 PORTUGAL
015 E041325 X
015 A001326 CREDIT SUISSE
015 B001326 S
015 C011326 MOSCOW
015 D011326 RUSSIA
015 E041326 X
015 A001327 STANDARD BANK OF SOUTH AFRICA LIMITED
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015 C011327 JOHANNESBURG
015 D011327 SOUTH AFRICA
015 E041327 X
015 A001328 BANQUE PARIBAS
015 B001328 S
015 C011328 MADRID
015 D011328 SPAIN
015 E041328 X
015 A001329 SVENSKA HANDELSBANKEN
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015 C011329 STOCKHOLM
<PAGE> PAGE 72
015 D011329 SWEDEN
015 E041329 X
015 A001330 BANK LEU LIMITED
015 B001330 S
015 C011330 ZURICH
015 D011330 SWITZERLAND
015 E041330 X
015 A001331 STANDARD CHARTERED BANK
015 B001331 S
015 C011331 TAIPEI
015 D011331 TAIWAN
015 E041331 X
015 A001332 STANDARD CHARTERED BANK
015 B001332 S
015 C011332 BANGKOK
015 D011332 THAILAND
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015 A001333 BARCLAYS BANK PLC
015 B001333 S
015 C011333 LONDON
015 D011333 UNITED KINGDOM
015 E041333 X
024 001300 Y
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025 B001301 13-5674085
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<PAGE> PAGE 73
028 E021300 0
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042 D001300 100
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<PAGE> PAGE 74
048 E011300 0
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066 A001300 Y
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066 D001300 N
066 E001300 N
066 F001300 N
066 G001300 N
067 001300 N
068 A001300 N
068 B001300 Y
069 001300 N
070 A011300 Y
070 A021300 Y
070 B011300 Y
<PAGE> PAGE 75
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
070 H011300 Y
070 H021300 N
070 I011300 N
070 I021300 N
070 J011300 Y
070 J021300 Y
070 K011300 Y
070 K021300 Y
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 Y
070 P021300 Y
070 Q011300 N
070 Q021300 N
070 R011300 N
070 R021300 N
071 A001300 20101
071 B001300 6040
071 C001300 9308
071 D001300 65
072 A001300 9
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<PAGE> PAGE 76
072 O001300 0
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<PAGE> PAGE 77
074 X001300 1096
074 Y001300 0
075 A001300 0
075 B001300 9514
076 001300 0.00
008 A001401 ATLAS ADVISERS, INC.
008 B001401 A
008 C001401 801-30489
008 D011401 SAN LEANDRO
008 D021401 CA
008 D031401 94577
008 A001402 OPPENHEIMERFUNDS, INC.
008 B001402 S
008 C001402 801-8253
008 D011402 NEW YORK
008 D021402 NY
008 D031402 10048
008 D041402 0203
015 A001401 INVESTORS BANK & TRUST COMPANY
015 B001401 C
015 C011401 BOSTON
015 C021401 MA
015 C031401 02205
015 C041401 1537
015 E011401 X
015 A001402 CHEMICAL BANK
015 B001402 S
015 C011402 NEW YORK
015 C021402 NY
015 C031402 10175
015 E011402 X
015 A001403 MORGAN GUARANTY TRUST COMPANY OF NEW YORK
015 B001403 S
015 C011403 NEW YORK
015 C021403 NY
015 C031403 10015
015 E011403 X
015 A001404 IRVING TRUST COMPANY
015 B001404 S
015 C011404 NEW YORK
015 C021404 NY
015 C031404 10015
015 E011404 X
015 A001405 BANKERS TRUST COMPANY
015 B001405 S
015 C011405 NEW YORK
015 C021405 NY
015 C031405 10015
015 E011405 X
015 A001406 CITIBANK, N.A.
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<PAGE> PAGE 78
015 C011406 BUENOS AIRES
015 D011406 ARGENTIA
015 E041406 X
015 A001407 BANCO DE BOSTON
015 B001407 S
015 C011407 SAO PAULO
015 D011407 BRAZIL
015 E041407 X
015 A001408 ROYAL TRUST CORPORATION OF CANADA
015 B001408 S
015 C011408 TORONTO
015 D011408 CANADA
015 E041408 X
015 A001409 CITITRUST COLOMBIA S.A.
015 B001409 S
015 C011409 BOGOTA
015 D011409 COLOMBIA
015 E041409 X
015 A001410 STANDARD CHARTERED BANK
015 B001410 S
015 C011410 JAKARTA
015 D011410 INDONESIA
015 E041410 X
015 A001411 CITIBANK, N.A.
015 B001411 S
015 C011411 MILANO
015 D011411 ITALY
015 E041411 X
015 A001412 EUROCLEAR/DEUTSCHE BANK A.G.
015 B001412 S
015 C011412 FRANKFURT
015 D011412 GERMANY
015 E041412 X
015 A001413 BANCOMER, S.A.
015 B001413 S
015 C011413 COLONIA JUAREZ
015 D011413 MEXICO
015 E041413 X
015 A001414 NATIONAL AUSTRALIA BANK LIMITED
015 B001414 S
015 C011414 WELLINGTON
015 D011414 NEW ZEALAND
015 E041414 X
015 A001415 STANDARD CHARTERED BANK
015 B001415 S
015 C011415 SINGAPORE
015 D011415 SINGAPORE
015 E041415 X
015 A001416 BANK LEU LIMITED
015 B001416 S
015 C011416 ZURICH
<PAGE> PAGE 79
015 D011416 SWITZERLAND
015 E041416 X
015 A001417 BARCLAYS BANK PLC
015 B001417 S
015 C011417 LONDON
015 D011417 UNITED KINGDOM
015 E041417 X
024 001400 N
028 A011400 2563
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028 B011400 2164
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<PAGE> PAGE 80
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<PAGE> PAGE 81
062 H001400 0.0
062 I001400 0.0
062 J001400 0.0
062 K001400 0.0
062 L001400 0.0
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067 001400 N
068 A001400 N
068 B001400 N
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070 A021400 Y
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070 C021400 Y
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070 I011400 N
070 I021400 N
070 J011400 Y
070 J021400 Y
070 K011400 Y
070 K021400 N
070 L011400 Y
070 L021400 Y
070 M011400 Y
070 M021400 Y
070 N011400 Y
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<PAGE> PAGE 82
070 P021400 N
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<PAGE> PAGE 83
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SIGNATURE LARRY LACASSE
TITLE GR. SR. V. PRESIDENT
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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
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<NAME> ATLAS CALIFORNIA MUNICIPAL BOND FUND
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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
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<NAME> ATLAS U.S. GOVERNMENT & MORTGAGE SECURITIES FUND
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<NUMBER> 05
<NAME> CLASS B
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-END> DEC-31-1996
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</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000830144
<NAME> ATLAS GROWTH AND INCOME FUND
<SERIES>
<NUMBER> 06
<NAME> CLASS A
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-END> DEC-31-1996
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<NET-ASSETS> 151,031
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000830144
<NAME> ATLAS GROWTH AND INCOME FUND
<SERIES>
<NUMBER> 06
<NAME> CLASS B
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-END> DEC-31-1996
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</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000830144
<NAME> ATLAS U.S. TREASURY MONEY FUND
<SERIES>
<NUMBER> 07
<NAME> CLASS A
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-END> DEC-31-1996
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000830144
<NAME> ATLAS U.S. TREASURY MONEY FUND
<SERIES>
<NUMBER> 07
<NAME> CLASS B
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-END> DEC-31-1996
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<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> .040
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</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000830144
<NAME> ATLAS U.S. GOVERNMENT INTERMEDIATE FUND
<SERIES>
<NUMBER> 08
<NAME> CLASS A
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-END> DEC-31-1996
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000830144
<NAME> ATLAS U.S. GOVERNMENT INTERMEDIATE FUND
<SERIES>
<NUMBER> 08
<NAME> CLASS B
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
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<PERIOD-END> DEC-31-1996
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</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000830144
<NAME> ATLAS NATIONAL INSURED INTERMEDIATE MUNICIPAL FUND
<SERIES>
<NUMBER> 09
<NAME> CLASS A
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1996
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000830144
<NAME> ATLAS NATIONAL INSURED INTERMEDIATE MUNICIPAL FUND
<SERIES>
<NUMBER> 09
<NAME> CLASS B
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
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</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000830144
<NAME> ATLAS CALIFORNIA INSURED INTERMEDIATE MUNICIPAL FUND
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<NAME> CLASS A
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<S> <C>
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<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000830144
<NAME> ATLAS CALIFORNIA INSURED INTERMEDIATE MUNICIPAL FUND
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<NAME> CLASS B
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<S> <C>
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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000830144
<NAME> ATLAS BALANCED FUND
<SERIES>
<NUMBER> 11
<NAME> CLASS A
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<S> <C>
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000830144
<NAME> ATLAS BALANCED FUND
<SERIES>
<NUMBER> 11
<NAME> CLASS B
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000830144
<NAME> ATLAS STRATEGIC GROWTH FUND
<SERIES>
<NUMBER> 12
<NAME> CLASS A
<MULTIPLIER> 1000
<S> <C>
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000830144
<NAME> ATLAS STRATEGIC GROWTH FUND
<SERIES>
<NUMBER> 12
<NAME> CLASS B
<MULTIPLIER> 1000
<S> <C>
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</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000830144
<NAME> ATLAS GLOBAL GROWTH FUND
<SERIES>
<NUMBER> 13
<NAME> CLASS A
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-1996
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000830144
<NAME> ATLAS GLOBAL GROWTH FUND
<SERIES>
<NUMBER> 13
<NAME> CLASS B
<MULTIPLIER> 1000
<S> <C>
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</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000830144
<NAME> ATLAS STRATEGIC INCOME FUND
<SERIES>
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<NAME> CLASS A
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</TABLE>
<TABLE> <S> <C>
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<CIK> 0000830144
<NAME> ATLAS STRATEGIC INCOME FUND
<SERIES>
<NUMBER> 14
<NAME> CLASS B
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 8-MOS
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-START> MAY-20-1996
<PERIOD-END> DEC-31-1996
<INVESTMENTS-AT-COST> 22,862
<INVESTMENTS-AT-VALUE> 23,292
<RECEIVABLES> 537
<ASSETS-OTHER> 287
<OTHER-ITEMS-ASSETS> 29
<TOTAL-ASSETS> 24,145
<PAYABLE-FOR-SECURITIES> 3,180
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 137
<TOTAL-LIABILITIES> 3,317
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 20,387
<SHARES-COMMON-STOCK> 575
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (22)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 463
<NET-ASSETS> 20,828
<DIVIDEND-INCOME> 560
<INTEREST-INCOME> 0
<OTHER-INCOME> 0
<EXPENSES-NET> 7
<NET-INVESTMENT-INCOME> 553
<REALIZED-GAINS-CURRENT> 51
<APPREC-INCREASE-CURRENT> 463
<NET-CHANGE-FROM-OPS> 1,067
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 51
<DISTRIBUTIONS-OF-GAINS> 7
<DISTRIBUTIONS-OTHER> 3
<NUMBER-OF-SHARES-SOLD> 575
<NUMBER-OF-SHARES-REDEEMED> (7)
<SHARES-REINVESTED> 7
<NET-CHANGE-IN-ASSETS> 20,828
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 53
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 137
<AVERAGE-NET-ASSETS> 10,568
<PER-SHARE-NAV-BEGIN> 5.00
<PER-SHARE-NII> .23
<PER-SHARE-GAIN-APPREC> .17
<PER-SHARE-DIVIDEND> (.23)
<PER-SHARE-DISTRIBUTIONS> (.02)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 5.15
<EXPENSE-RATIO> 0.80
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
INDEPENDENT AUDITORS' REPORT
Atlas Assets, Inc.:
In planning and performing our audit of the financial
statements of Atlas Assets, Inc. (Atlas U.S. Treasury Money
Fund, Atlas California Municipal Money Fund, Atlas National
Municipal Money Fund, Atlas California Insured Intermediate
Municipal Fund, Atlas National Insured Intermediate
Municipal Fund, Atlas U.S. Government Intermediate Fund,
Atlas California Municipal Bond Fund, Atlas Strategic Income
Fund, Atlas National Municipal Bond Fund, Atlas U.S.
Government and Mortgage Securities Fund, Atlas Balanced
Fund, Atlas Growth and Income Fund, Atlas Strategic Growth
Fund, and Atlas Global Growth Fund)(the "Funds") for the
year ended December 31, 1996 (on which we have issued our
report dated February 7, 1997), 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 to comply with the requirements of Form N-
SAR, not to provide assurance on the internal control
structure.
The management of the Funds 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 preparation of financial
statements in conformity with generally accepted accounting
principles.
Because of inherent limitations in any internal control
structure, errors or irregularities my 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 being
audited my occur and not be detected within a timely period
by employees in the normal course of performing their
assigned functions. We noted no matters involving the
internal control structure and its operations, including
procedures for safeguarding securities, 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 and the Securities and Exchange Commission.
Deloitte & Touche, LLP
February 7, 1997
