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SIGNATURE BERNADETTE N. FINN
TITLE AGENT
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND> The schedule contains summary financial information
extracted from the financial statements and supporting
schedules as of the end of the most current period and is
qualified in its entirety by reference to such financial
statements.
</LEGEND>
<CIK> 0000841899
<NAME> The Bradford Funds, Inc., The Bradford Money Fund
<S> <C>
<FISCAL-YEAR-END> DEC-31-1999
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<PERIOD-END> DEC-31-1999
<PERIOD-TYPE> 12-MOS
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<SENIOR-EQUITY> 0
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<REALIZED-GAINS-CURRENT> (187)
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<NUMBER-OF-SHARES-REDEEMED> 10212231114
<SHARES-REINVESTED> 98134092
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</TABLE>
Deloitte &
Touche LLP
Suite 2400 Telephone: (615) 259-1800
424 Church Street Facsimile: (615) 259-1857
SunTrust Center
Nashville, Tennessee 37219-2396
INDEPENDENT AUDITORS' REPORT
THE SHAREHOLDERS AND
AUDIT COMMITTEE OF THE BOARD OF DIRECTORS
The Bradford Funds, Inc.
The Braford Money Fund
In planning and performing our audit of the financial statements of The Bradford
Funds, Inc., The Braford Money Fund (the "Fund") for the year ended December 31,
1999, (on which we have issued our report dated January 14, 2000), we considered
its internal control, including control activities 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, and not to provide assurance on the Fund's internal control structure.
The management of the Fund is responsible for establishing and maintaining
internal control. In fulfilling this responsibility, estimates and judgments by
management are required to assess the expected benefits and related costs of
controls. Generally, controls that are relevant to an audit pertain to the
entity's objective of preparing financial stataements for external purposes that
are fairly presented in conformity with generally accepted accounting
principals. Those controls include the safeguarding of assets against
unauthorized acquisition, use, or disposition.
Because of inherent limitations in any internal control structure, errors or
fraud may occur and not be detected. Also, projection of any evaluation of the
internal control 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 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 one or more internal control components does not reduce to a a relatively
low level the risk that errors or fraud in amounts that would be
material in relation to the financial statements 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
Fund's internal control, including controls for safeguarding securities,
that we consider to be material weaknesses as defined above as of December 31,
1999.
This report is intended solely for the information and use of management, the
Board of Directors of the Bradford Funds, Inc., The Bradford Money Fund, and the
Securities and Exchange Commission and is not intended to be and should not be
used by anyone other than these specified parties.
/s/ DELOITTE & TOUCHE LLP
Nashville, Tennessee
January 14, 2000
AMENDMENT TO THE BY-LAWS
OF THE BRADFORD FUNDS, INC.
Article IV, Section 1
RESOLVED, That Article IV, Section 1 of the By-Laws of the Company be, and
it hereby is, amended in its entirety to read as follows:
"Section 1. Committees of the Board. The Board may, by resolution adopted by a
majority of the entire Board, designate an Executive Committee, Compensation
Committee, Audit Committee and Nomination Committee, each of which shall consist
of two or more of the Directors of the Corporation, which committee shall have
and may exercise all the powers and authority of the Board with respect to all
matters other than as set forth in Section 3 of this Article. Such powers
include the authority to contract with or otherwise hire experts to advise such
committee which are considered by such committee to be advisable or necessary to
further shareholder interests and to use Corporation assets to compensate such
experts."
Adopted January 21, 2000
