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<PAGE> PAGE 7
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<PAGE> PAGE 12
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<PAGE> PAGE 19
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<PAGE> PAGE 21
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<PAGE> PAGE 23
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<PAGE> PAGE 27
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<PAGE> PAGE 29
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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 37
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<PAGE> PAGE 40
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<PAGE> PAGE 41
070 E020900 N
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070 F020900 N
070 G010900 N
070 G020900 N
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<PAGE> PAGE 42
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<PAGE> PAGE 43
SIGNATURE WILLIAM J. KLIPP
TITLE COO
<TABLE> <S> <C>
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<SERIES>
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<NAME> SCHWAB MONEY MARKET FUND
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<S> <C>
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<FISCAL-YEAR-END> JUN-30-1996
<PERIOD-START> JAN-01-1996
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
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<NAME> SCHWAB GOVERNMENT MONEY FUND
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> JUN-30-1996
<PERIOD-START> JAN-01-1996
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<SHARES-COMMON-PRIOR> 1884838
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<ACCUMULATED-NET-GAINS> (320)
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<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 1928362
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 52405
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<DISTRIBUTIONS-OF-INCOME> 45221
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<NUMBER-OF-SHARES-SOLD> 2410680
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<SHARES-REINVESTED> 53185
<NET-CHANGE-IN-ASSETS> 43793
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (269)
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<GROSS-EXPENSE> 1621
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 3
<NAME> SCHWAB TAX-EXEMPT MONEY FUND-SWEEP SHARES
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> JUN-30-1996
<PERIOD-START> JAN-01-1996
<PERIOD-END> JUN-30-1996
<INVESTMENTS-AT-COST> 3879434
<INVESTMENTS-AT-VALUE> 3879434
<RECEIVABLES> 246193
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<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 4126079
<PAYABLE-FOR-SECURITIES> 220753
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<OTHER-ITEMS-LIABILITIES> 5562
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<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 3901967
<SHARES-COMMON-STOCK> 3527251
<SHARES-COMMON-PRIOR> 3405684
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (2174)
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<NET-ASSETS> 3525077
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 62827
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<EXPENSES-NET> 11738
<NET-INVESTMENT-INCOME> 51089
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<SHARES-REINVESTED> 60334
<NET-CHANGE-IN-ASSETS> 121240
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<PER-SHARE-NAV-BEGIN> 1.00
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<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 4
<NAME> SCHWAB TAX-EXEMPT MONEY FUND-VALUE ADVANTAGE SHARES
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> JUN-30-1996
<PERIOD-START> JAN-01-1996
<PERIOD-END> JUN-30-1996
<INVESTMENTS-AT-COST> 3879434
<INVESTMENTS-AT-VALUE> 3879434
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<ACCUMULATED-NET-GAINS> (29)
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<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 374687
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<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (1)
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 5
<NAME> SCHWAB CALIFORNIA TAX-EXEMPT MONEY FUND-SWEEP SHARES
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> JUN-30-1996
<PERIOD-START> JAN-01-1996
<PERIOD-END> JUN-30-1996
<INVESTMENTS-AT-COST> 2053781
<INVESTMENTS-AT-VALUE> 2053781
<RECEIVABLES> 46656
<ASSETS-OTHER> 147
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<TOTAL-ASSETS> 2100584
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<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 3127
<TOTAL-LIABILITIES> 227835
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 1870320
<SHARES-COMMON-STOCK> 1590074
<SHARES-COMMON-PRIOR> 1578359
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<SHARES-REINVESTED> 26191
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 6
<NAME> SCHWAB CALIFORNIA TAX-EXEMPT-VALUE ADVANTAGE SHARES
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> JUN-30-1996
<PERIOD-START> JAN-01-1996
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<ACCUMULATED-NET-GAINS> (4)
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<REALIZED-GAINS-CURRENT> (30)
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 7
<NAME> SCHWAB U.S. TREASURY MONEY FUND
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> JUN-30-1996
<PERIOD-START> JAN-01-1996
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<TABLE> <S> <C>
<ARTICLE> 6
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<NAME> SCHWAB VALUE ADVANTAGE MONEY FUND
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<SHARES-REINVESTED> 218887
<NET-CHANGE-IN-ASSETS> 1533440
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (131)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 16555
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 27682
<AVERAGE-NET-ASSETS> 7897728
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> 0.03
<PER-SHARE-GAIN-APPREC> 0.00
<PER-SHARE-DIVIDEND> 0.03
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> 0.40
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 9
<NAME> SCHWAB INSTITUTIONAL ADVANTAGE MONEY FUND
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> JUN-30-1996
<PERIOD-START> JAN-01-1996
<PERIOD-END> JUN-30-1996
<INVESTMENTS-AT-COST> 102613
<INVESTMENTS-AT-VALUE> 102613
<RECEIVABLES> 4839
<ASSETS-OTHER> 52
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 107504
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 795
<TOTAL-LIABILITIES> 795
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 106712
<SHARES-COMMON-STOCK> 106712
<SHARES-COMMON-PRIOR> 80747
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (3)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 106709
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 2653
<OTHER-INCOME> 0
<EXPENSES-NET> 241
<NET-INVESTMENT-INCOME> 2412
<REALIZED-GAINS-CURRENT> (2)
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 2410
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 2412
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 160852
<NUMBER-OF-SHARES-REDEEMED> 136587
<SHARES-REINVESTED> 1700
<NET-CHANGE-IN-ASSETS> 25963
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (1)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 222
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 429
<AVERAGE-NET-ASSETS> 96977
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> 0.03
<PER-SHARE-GAIN-APPREC> 0.00
<PER-SHARE-DIVIDEND> 0.03
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> 0.50
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 10
<NAME> SCHWAB RETIREMENT MONEY FUND
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> JUN-30-1996
<PERIOD-START> JAN-01-1996
<PERIOD-END> JUN-30-1996
<INVESTMENTS-AT-COST> 102994
<INVESTMENTS-AT-VALUE> 102994
<RECEIVABLES> 930
<ASSETS-OTHER> 55
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 103979
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 1041
<TOTAL-LIABILITIES> 1041
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 102939
<SHARES-COMMON-STOCK> 102939
<SHARES-COMMON-PRIOR> 98992
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (1)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 102938
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 2921
<OTHER-INCOME> 085
<EXPENSES-NET> 385
<NET-INVESTMENT-INCOME> 2536
<REALIZED-GAINS-CURRENT> (1)
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 2535
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 2536
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 78929
<NUMBER-OF-SHARES-REDEEMED> 77969
<SHARES-REINVESTED> 2987
<NET-CHANGE-IN-ASSETS> 3946
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 243
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 454
<AVERAGE-NET-ASSETS> 106152
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> 0.02
<PER-SHARE-GAIN-APPREC> 0.00
<PER-SHARE-DIVIDEND> 0.02
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> 0.73
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 11
<NAME> SCHWAB NEW YORK TAX-EXEMPT MONEY FUND-SWEEP SHARES
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> JUN-30-1996
<PERIOD-START> JAN-01-1996
<PERIOD-END> JUN-30-1996
<INVESTMENTS-AT-COST> 257521
<INVESTMENTS-AT-VALUE> 257521
<RECEIVABLES> 2168
<ASSETS-OTHER> 99
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 259788
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 1095
<TOTAL-LIABILITIES> 1095
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 258693
<SHARES-COMMON-STOCK> 229222
<SHARES-COMMON-PRIOR> 204869
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (15)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 229208
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 3725
<OTHER-INCOME> 0
<EXPENSES-NET> 759
<NET-INVESTMENT-INCOME> 2966
<REALIZED-GAINS-CURRENT> (9)
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 2957
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 2966
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 430106
<NUMBER-OF-SHARES-REDEEMED> 409248
<SHARES-REINVESTED> 3495
<NET-CHANGE-IN-ASSETS> 24344
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (6)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 506
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1134
<AVERAGE-NET-ASSETS> 221314
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> 0.01
<PER-SHARE-GAIN-APPREC> 0.00
<PER-SHARE-DIVIDEND> 0.01
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> 0.69
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 12
<NAME> SCHWAB NEW YORK TAX-EXEMPT MONEY FUND-VALUE ADVANTAGE SHARES
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> JUN-30-1996
<PERIOD-START> JAN-01-1996
<PERIOD-END> JUN-30-1996
<INVESTMENTS-AT-COST> 257521
<INVESTMENTS-AT-VALUE> 257521
<RECEIVABLES> 2168
<ASSETS-OTHER> 99
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 259788
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 1095
<TOTAL-LIABILITIES> 1095
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 258693
<SHARES-COMMON-STOCK> 29487
<SHARES-COMMON-PRIOR> 15143
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (1)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 29485
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 376
<OTHER-INCOME> 0
<EXPENSES-NET> 50
<NET-INVESTMENT-INCOME> 326
<REALIZED-GAINS-CURRENT> (1)
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 325
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 326
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 42453
<NUMBER-OF-SHARES-REDEEMED> 28440
<SHARES-REINVESTED> 331
<NET-CHANGE-IN-ASSETS> 14343
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 51
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 107
<AVERAGE-NET-ASSETS> 22284
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> 0.01
<PER-SHARE-GAIN-APPREC> 0.00
<PER-SHARE-DIVIDEND> 0.01
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> 0.45
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
