<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000844209
<NAME> ACHIEVEMENT FUNDS
<SERIES>
<NUMBER> 102
<NAME> MUNICIPAL BOND - RETAIL CLASS B
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> JAN-31-2001
<PERIOD-START> FEB-01-2000
<PERIOD-END> JUL-31-2000
<INVESTMENTS-AT-COST> 71848
<INVESTMENTS-AT-VALUE> 68866
<RECEIVABLES> 1013
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 69879
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 306
<TOTAL-LIABILITIES> 306
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 73269
<SHARES-COMMON-STOCK> 221
<SHARES-COMMON-PRIOR> 300
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> (714)
<ACCUM-APPREC-OR-DEPREC> (2982)
<NET-ASSETS> 69573
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 2084
<OTHER-INCOME> 0
<EXPENSES-NET> (274)
<NET-INVESTMENT-INCOME> 1810
<REALIZED-GAINS-CURRENT> (498)
<APPREC-INCREASE-CURRENT> 3351
<NET-CHANGE-FROM-OPS> 4663
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (45)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 4
<NUMBER-OF-SHARES-REDEEMED> (87)
<SHARES-REINVESTED> 4
<NET-CHANGE-IN-ASSETS> (641)
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> (714)
<GROSS-ADVISORY-FEES> 207
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 343
<AVERAGE-NET-ASSETS> 69497
<PER-SHARE-NAV-BEGIN> 9.20
<PER-SHARE-NII> 0.20
<PER-SHARE-GAIN-APPREC> 0.38
<PER-SHARE-DIVIDEND> (0.20)
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 9.58
<EXPENSE-RATIO> 1.65
</TABLE>
