SCHWAB CHARLES FAMILY OF FUNDS
NSAR-A, 1998-08-26
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<PAGE>      PAGE  1
000 A000000 06/30/98
000 C000000 0000857156
000 D000000 N
000 E000000 NF
000 F000000 Y
000 G000000 N
000 H000000 N
000 I000000 3.0.a
000 J000000 A
001 A000000 THE CHARLES SCHWAB FAMILY OF FUNDS
001 B000000 811-05954
001 C000000 4156673902
002 A000000 101 MONTGOMERY ST
002 B000000 SAN FRANCISCO
002 C000000 CA
002 D010000 94104
003  000000 N
004  000000 N
005  000000 N
006  000000 N
007 A000000 Y
007 B000000 13
007 C010100  1
007 C020100 SCHWAB MONEY MARKET FUND
007 C030100 N
007 C010200  2
007 C020200 SCHWAB GOVERNMENT MONEY FUND
007 C030200 N
007 C010300  3
007 C020300 SCHWAB MUNICIPAL MONEY FUND
007 C030300 N
007 C010400  4
007 C020400 SCHWAB CALIFORNIA MUNICIPAL MONEY FUND
007 C030400 N
007 C010500  5
007 C020500 SCHWAB U.S. TREASURY MONEY FUND
007 C030500 N
007 C010600  6
007 C020600 SCHWAB VALUE ADVANTAGE MONEY FUND
007 C030600 N
007 C010700  7
007 C020700 SCHWAB INSTITUTIONAL ADVANTAGE MONEY FUND
007 C030700 N
007 C010800  8
007 C020800 SCHWAB RETIREMENT MONEY FUND
007 C030800 N
007 C010900  9
007 C020900 SCHWAB NEW YORK MUNCIPAL MONEY FUND
007 C030900 N
007 C011000 10
007 C021000 SCHWAB PENNSYLVANIA MUNICIPAL MONEY FUND
<PAGE>      PAGE  2
007 C031000 N
007 C011100 11
007 C021100 SCHWAB NEW JERSEY MUNICIPAL MONEY FUND
007 C031100 N
007 C011200 12
007 C021200 SCHWAB FLORIDA MUNICIPAL MONEY FUND
007 C031200 N
007 C011300 13
007 C021300 SCHWAB GOVERNMENT CASH RESERVES
007 C031300 N
007 C011400 14
007 C011500 15
007 C011600 16
007 C011700 17
007 C011800 18
007 C011900 19
007 C012000 20
008 A00AA01 CHARLES SCHWAB INVESTMENT MANAGEMENT, INC.
008 B00AA01 A
008 C00AA01 801-35905
008 D01AA01 SAN FRANCISCO
008 D02AA01 CA
008 D03AA01 94104
010 A00AA01 CHARLES SCHWAB INVESTMENT MANAGEMENT, INC.
010 B00AA01 801-35905
010 C01AA01 SAN FRANCISCO
010 C02AA01 CA
010 C03AA01 94104
011 A00AA01 CHARLES SCHWAB & CO., INC.
011 B00AA01 8-16514
011 C01AA01 SAN FRANCISCO
011 C02AA01 CA
011 C03AA01 94104
012 A00AA01 CHARLES SCHWAB & CO., INC.
012 B00AA01 84-1256
012 C01AA01 SAN FRANCISCO
012 C02AA01 CA
012 C03AA01 94104
013 A00AA01 PRICE WATERHOUSE LLP
013 B01AA01 SAN FRANCISCO
013 B02AA01 CA
013 B03AA01 94104
014 A00AA01 CHARLES SCHWAB & CO., INC.
014 B00AA01 8-16514
014 A00AA02 MAYER & SCHWEITZER, INC.
014 B00AA02 8-13535
014 A00AA03 CHARLES SCHWAB EUROPE
014 B00AA03 8-00000
014 A00AA04 CHARLES SCHWAB HONG KONG
014 B00AA04 8-000000
015 A00AA01 PNC BANK, N.A.
<PAGE>      PAGE  3
015 B00AA01 C
015 C01AA01 PHILADELPHIA
015 C02AA01 PA
015 C03AA01 19101
015 E01AA01 X
018  00AA00 Y
019 A00AA00 Y
019 B00AA00   35
019 C00AA00 SCHWABFUND
020 C000001      0
020 C000002      0
020 C000003      0
020 C000004      0
020 C000005      0
020 C000006      0
020 C000007      0
020 C000008      0
020 C000009      0
020 C000010      0
021  000000        0
022 A000001 LEHMAN BROTHERS, INC.
022 B000001 13-2518466
022 C000001  11991019
022 D000001    377147
022 A000002 GOLDMAN SACHS & CO.
022 B000002 13-5108880
022 C000002   9617992
022 D000002    211252
022 A000003 SALOMON INC.
022 B000003 13-3082694
022 C000003   8882693
022 D000003    303958
022 A000004 MERRILL LYNCH
022 B000004 13-5674085
022 C000004   6438615
022 D000004    294250
022 A000005 SMITH BARNEY SHEARSON
022 B000005 13-1912900
022 C000005   5415248
022 D000005   1173009
022 A000006 MORGAN STANLEY & CO.
022 B000006 13-2655998
022 C000006   5789625
022 D000006    378749
022 A000007 CITICORP SECURITIES INC.
022 B000007 13-3187336
022 C000007   5844106
022 D000007    305867
022 A000008 GENERAL ELECTRIC CAPITAL CORP.
022 C000008   3790564
022 D000008         0
<PAGE>      PAGE  4
022 A000009 J.P. MORGAN SECURITIES
022 B000009 13-3224016
022 C000009   2931983
022 D000009    506839
022 A000010 PAINEWEBBER
022 B000010 13-2638166
022 C000010   1834198
022 D000010   1004594
023 C000000   91962256
023 D000000    8583802
026 A000000 N
026 B000000 N
026 C000000 N
026 D000000 Y
026 E000000 N
026 F000000 N
026 G010000 N
026 G020000 N
026 H000000 N
027  000000 Y
029  00AA00 N
030 A00AA00      0
030 B00AA00  0.00
030 C00AA00  0.00
031 A00AA00      0
031 B00AA00      0
032  00AA00      0
033  00AA00      0
034  00AA00 N
035  00AA00      0
036 B00AA00      0
037  00AA00 N
038  00AA00      0
039  00AA00 N
040  00AA00 N
042 A00AA00   0
042 B00AA00   0
042 C00AA00   0
042 D00AA00   0
042 E00AA00   0
042 F00AA00   0
042 G00AA00   0
042 H00AA00   0
043  00AA00      0
044  00AA00      0
049  00AA00 N
050  00AA00 N
051  00AA00 N
052  00AA00 N
053 A00AA00 Y
053 B00AA00 Y
<PAGE>      PAGE  5
053 C00AA00 N
054 A00AA00 Y
054 B00AA00 Y
054 C00AA00 N
054 D00AA00 N
054 E00AA00 N
054 F00AA00 N
054 G00AA00 Y
054 H00AA00 Y
054 I00AA00 N
054 J00AA00 Y
054 K00AA00 N
054 L00AA00 N
054 M00AA00 Y
054 N00AA00 N
054 O00AA00 N
055 A00AA00 N
055 B00AA00 N
056  00AA00 N
057  00AA00 N
066 A00AA00 N
067  00AA00 N
068 A00AA00 N
068 B00AA00 N
069  00AA00 N
077 A000000 N
078  000000 N
086 A010000      0
086 A020000      0
086 B010000      0
086 B020000      0
086 C010000      0
086 C020000      0
086 D010000      0
086 D020000      0
086 E010000      0
086 E020000      0
086 F010000      0
086 F020000      0
024  000100 Y
025 A000101 GENERAL ELECTRIC CAPITAL CORP.
025 C000101 D
025 D000101 1093834
025 A000102 MERRILL LYNCH & CO., INC.
025 B000102 13-5674085
025 C000102 D
025 D000102  886791
025 A000103 MORGAN STANLEY - DEAN WITTER
025 B000103 13-2655998
025 C000103 D
025 D000103  838949
<PAGE>      PAGE  6
025 A000104 LEHMAN BROTHERS HOLDINGS, INC.
025 B000104 13-2518466
025 C000104 D
025 D000104  698295
025 A000105 GOLDMAN SACHS GROUP, LP
025 B000105 13-5108880
025 C000105 D
025 D000105  685161
025 A000106 SALOMON SMITH BARNEY HOLDINGS, INC.
025 B000106 13-1912900
025 C000106 D
025 D000106  656931
025 A000107 J.P. MORGAN & CO.
025 B000107 13-3224016
025 C000107 D
025 D000107  577873
025 A000108 SALOMON BROTHERS, INC.
025 B000108 13-3082694
025 C000108 D
025 D000108  369037
025 A000109 PAINEWEBBER GROUP, INC.
025 B000109 13-2638166
025 C000109 D
025 D000109   44903
025 D000110       0
025 D000111       0
025 D000112       0
025 D000113       0
025 D000114       0
025 D000115       0
025 D000116       0
028 A010100   6297801
028 A020100    169790
028 A030100         0
028 A040100   6074343
028 B010100   6411031
028 B020100     96901
028 B030100         0
028 B040100   6189865
028 C010100   7844991
028 C020100     79935
028 C030100         0
028 C040100   7404200
028 D010100   8208233
028 D020100     89393
028 D030100         0
028 D040100   7928509
028 E010100   6871046
028 E020100     90852
028 E030100         0
028 E040100   6482266
<PAGE>      PAGE  7
028 F010100   7039407
028 F020100     96330
028 F030100         0
028 F040100   7115143
028 G010100  42672509
028 G020100    623201
028 G030100         0
028 G040100  41194326
028 H000100         0
045  000100 Y
046  000100 N
047  000100 Y
048  000100  0.000
048 A010100  1000000
048 A020100 0.460
048 B010100  2000000
048 B020100 0.450
048 C010100  7000000
048 C020100 0.400
048 D010100 10000000
048 D020100 0.370
048 E010100        0
048 E020100 0.000
048 F010100        0
048 F020100 0.000
048 G010100        0
048 G020100 0.000
048 H010100        0
048 H020100 0.000
048 I010100        0
048 I020100 0.000
048 J010100        0
048 J020100 0.000
048 K010100 20000000
048 K020100 0.340
058 A000100 N
058 B000100 N
058 C000100 N
058 D000100 N
058 E000100 N
059  000100 Y
060 A000100 Y
060 B000100 Y
061  000100     1000
062 A000100 Y
062 B000100   0.0
062 C000100   0.0
062 D000100   1.6
062 E000100   0.0
062 F000100   1.3
062 G000100  11.0
<PAGE>      PAGE  8
062 H000100   0.0
062 I000100  78.6
062 J000100   0.0
062 K000100   0.0
062 L000100   7.3
062 M000100   0.0
062 N000100   0.0
062 O000100   0.0
062 P000100   0.0
062 Q000100   0.0
062 R000100   0.0
063 A000100  63
063 B000100  0.0
064 A000100 Y
064 B000100 N
070 A010100 Y
070 A020100 Y
070 B010100 N
070 B020100 N
070 C010100 N
070 C020100 N
070 D010100 N
070 D020100 N
070 E010100 N
070 E020100 N
070 F010100 N
070 F020100 N
070 G010100 N
070 G020100 N
070 H010100 N
070 H020100 N
070 I010100 N
070 I020100 N
070 J010100 Y
070 J020100 Y
070 K010100 Y
070 K020100 N
070 L010100 Y
070 L020100 Y
070 M010100 N
070 M020100 N
070 N010100 N
070 N020100 N
070 O010100 N
070 O020100 N
070 P010100 Y
070 P020100 N
070 Q010100 N
070 Q020100 N
070 R010100 N
070 R020100 N
<PAGE>      PAGE  9
071 A000100         0
071 B000100         0
071 C000100         0
071 D000100    0
072 A000100  6
072 B000100   640197
072 C000100        0
072 D000100        0
072 E000100        0
072 F000100    43468
072 G000100        0
072 H000100        0
072 I000100    50574
072 J000100      754
072 K000100        0
072 L000100     1021
072 M000100       27
072 N000100      468
072 O000100        0
072 P000100        0
072 Q000100        0
072 R000100       30
072 S000100      199
072 T000100        0
072 U000100        0
072 V000100        0
072 W000100       46
072 X000100    96587
072 Y000100    12297
072 Z000100   555907
072AA000100        0
072BB000100        0
072CC010100        0
072CC020100        0
072DD010100   556230
072DD020100        0
072EE000100        0
073 A010100   0.0300
073 A020100   0.0000
073 B000100   0.0000
073 C000100   0.0000
074 A000100        0
074 B000100   369037
074 C000100 23119759
074 D000100        0
074 E000100        0
074 F000100        0
074 G000100        0
074 H000100        0
074 I000100        0
074 J000100        0
<PAGE>      PAGE  10
074 K000100        0
074 L000100    87137
074 M000100      154
074 N000100 23576087
074 O000100        0
074 P000100     2813
074 Q000100        0
074 R010100        0
074 R020100        0
074 R030100        0
074 R040100    50776
074 S000100        0
074 T000100 23522498
074 U010100 23523156
074 U020100        0
074 V010100     1.00
074 V020100     0.00
074 W000100   0.9999
074 X000100  2441704
074 Y000100        0
075 A000100 22663600
075 B000100        0
076  000100     0.00
024  000200 Y
025 A000201 LEHMAN BROTHERS, INC
025 B000201 13-2518466
025 C000201 D
025 D000201  474177
025 A000202 SALOMON BROTHERS, INC.
025 B000202 13-3082694
025 C000202 D
025 D000202  331144
025 A000203 MORGAN STANLEY - DEAN WITTER CO.
025 B000203 13-2655998
025 C000203 D
025 D000203  169063
025 D000204       0
025 D000205       0
025 D000206       0
025 D000207       0
025 D000208       0
028 A010200    457979
028 A020200     15607
028 A030200         0
028 A040200    421381
028 B010200    420341
028 B020200      8788
028 B030200         0
028 B040200    453845
028 C010200    533804
028 C020200      7135
<PAGE>      PAGE  11
028 C030200         0
028 C040200    543346
028 D010200    584484
028 D020200      7880
028 D030200         0
028 D040200    589691
028 E010200    445747
028 E020200      7922
028 E030200         0
028 E040200    413479
028 F010200    497822
028 F020200      8307
028 F030200         0
028 F040200    522231
028 G010200   2940177
028 G020200     55639
028 G030200         0
028 G040200   2943973
028 H000200         0
045  000200 Y
046  000200 N
047  000200 Y
048  000200  0.000
048 A010200  1000000
048 A020200 0.460
048 B010200  1000000
048 B020200 0.410
048 C010200        0
048 C020200 0.000
048 D010200        0
048 D020200 0.000
048 E010200        0
048 E020200 0.000
048 F010200        0
048 F020200 0.000
048 G010200        0
048 G020200 0.000
048 H010200        0
048 H020200 0.000
048 I010200        0
048 I020200 0.000
048 J010200        0
048 J020200 0.000
048 K010200  2000000
048 K020200 0.400
058 A000200 N
058 B000200 N
058 C000200 N
058 D000200 N
058 E000200 N
059  000200 Y
<PAGE>      PAGE  12
060 A000200 Y
060 B000200 Y
061  000200     1000
062 A000200 Y
062 B000200   0.0
062 C000200  51.8
062 D000200  47.9
062 E000200   0.0
062 F000200   0.0
062 G000200   0.0
062 H000200   0.0
062 I000200   0.0
062 J000200   0.0
062 K000200   0.0
062 L000200   0.0
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062 N000200   0.0
062 O000200   0.0
062 P000200   0.0
062 Q000200   0.0
062 R000200   0.0
063 A000200  73
063 B000200  0.0
064 A000200 N
064 B000200 N
070 A010200 Y
070 A020200 Y
070 B010200 N
070 B020200 N
070 C010200 N
070 C020200 N
070 D010200 N
070 D020200 N
070 E010200 N
070 E020200 N
070 F010200 N
070 F020200 N
070 G010200 N
070 G020200 N
070 H010200 N
070 H020200 N
070 I010200 N
070 I020200 N
070 J010200 N
070 J020200 N
070 K010200 Y
070 K020200 N
070 L010200 N
070 L020200 N
070 M010200 N
070 M020200 N
<PAGE>      PAGE  13
070 N010200 N
070 N020200 N
070 O010200 N
070 O020200 N
070 P010200 Y
070 P020200 N
070 Q010200 N
070 Q020200 N
070 R010200 N
070 R020200 N
071 A000200         0
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<PAGE>      PAGE  14
074 A000200        0
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024  000300 N
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<PAGE>      PAGE  15
028 C020300     11452
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058 A000300 N
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058 C000300 N
058 D000300 N
058 E000300 N
<PAGE>      PAGE  16
059  000300 Y
060 A000300 Y
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062 E000300 101.3
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070 B020300 N
070 C010300 N
070 C020300 N
070 D010300 N
070 D020300 N
070 E010300 N
070 E020300 N
070 F010300 N
070 F020300 N
070 G010300 N
070 G020300 N
070 H010300 N
070 H020300 N
070 I010300 N
070 I020300 N
070 J010300 Y
070 J020300 Y
070 K010300 Y
070 K020300 N
070 L010300 N
070 L020300 N
070 M010300 N
<PAGE>      PAGE  17
070 M020300 N
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<PAGE>      PAGE  18
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<PAGE>      PAGE  19
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<PAGE>      PAGE  20
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<PAGE>      PAGE  21
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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  30
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<PAGE>      PAGE  32
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<PAGE>      PAGE  34
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<PAGE>      PAGE  36
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<PAGE>      PAGE  37
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<PAGE>      PAGE  38
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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
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<PAGE>      PAGE  43
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<PAGE>      PAGE  44
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<PAGE>      PAGE  46
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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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<PAGE>      PAGE  51
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<PAGE>      PAGE  52
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<PAGE>      PAGE  53
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<PAGE>      PAGE  54
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<PAGE>      PAGE  55
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070 D021200 N
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070 F011200 N
070 F021200 N
070 G011200 N
070 G021200 N
070 H011200 N
070 H021200 N
070 I011200 N
070 I021200 N
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070 J021200 Y
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070 L021200 N
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<PAGE>      PAGE  56
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<PAGE>      PAGE  57
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<PAGE>      PAGE  58
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<PAGE>      PAGE  59
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070 I011300 N
070 I021300 N
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<PAGE>      PAGE  60
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<PAGE>      PAGE  61
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SIGNATURE   MARY JANE MALONEY                            
TITLE       MANAGER             
 


<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000857156
<NAME> THE CHARLES SCHWAB FAMILY OF FUNDS
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   <NUMBER> 01
   <NAME> SCHWAB MONEY MARKET FUND
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</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000857156
<NAME> THE CHARLES SCHWAB FAMILY OF FUND
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   <NUMBER> 02
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</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000857156
<NAME> THE CHARLES SCHWAB FAMILY OF FUNDS
<SERIES>
   <NUMBER> 031
   <NAME> SCHWAB MUNICIPAL MONEY FUND - SWEEP CLASS
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</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000857156
<NAME> THE CHARLES SCHWAB FAMILY OF FUNDS
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   <NUMBER> 032
   <NAME> SCHWAB MUNICIPAL MONEY FUND - VALUE CLASS
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</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000857156
<NAME> THE CHARLES SCHWAB FAMILY OF FUNDS
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   <NAME> SCHWAB CALIFORNIA MUNICIPAL MONEY FUND - SWEEP CLASS
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</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000857156
<NAME> THE CHARLES SCHWAB FAMILY OF FUNDS
<SERIES>
   <NUMBER> 042
   <NAME> SCHWAB CALIFORNIA MUNICIPAL MONEY FUND - VALUE CLASS
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<TOTAL-ASSETS>                                 3524025
<PAYABLE-FOR-SECURITIES>                        149931
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<OTHER-ITEMS-LIABILITIES>                        10329
<TOTAL-LIABILITIES>                             160260
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<SHARES-COMMON-PRIOR>                           936837
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<DIVIDEND-INCOME>                                    0
<INTEREST-INCOME>                                55711
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<EXPENSES-NET>                                  (9442)
<NET-INVESTMENT-INCOME>                          46269
<REALIZED-GAINS-CURRENT>                          (80)
<APPREC-INCREASE-CURRENT>                            0
<NET-CHANGE-FROM-OPS>                            46189
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                      (46368)
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                         995403
<NUMBER-OF-SHARES-REDEEMED>                   (766572)
<SHARES-REINVESTED>                              17139
<NET-CHANGE-IN-ASSETS>                          272428
<ACCUMULATED-NII-PRIOR>                              0
<ACCUMULATED-GAINS-PRIOR>                        (776)
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                             6803
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                  13357
<AVERAGE-NET-ASSETS>                           1057139
<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>                                    .45
<AVG-DEBT-OUTSTANDING>                               0
<AVG-DEBT-PER-SHARE>                                 0
        

</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000857156
<NAME> THE CHARLES SCHWAB FAMILY OF FUNDS
<SERIES>
   <NUMBER> 05
   <NAME> SCHWAB U.S. TREASURY MONEY FUND
<MULTIPLIER> 1000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<INVESTMENTS-AT-COST>                          1733544
<INVESTMENTS-AT-VALUE>                         1733544
<RECEIVABLES>                                    32250
<ASSETS-OTHER>                                      58
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                 1765852
<PAYABLE-FOR-SECURITIES>                             0
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                         3797
<TOTAL-LIABILITIES>                               3797
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                       1762539
<SHARES-COMMON-STOCK>                          1762623
<SHARES-COMMON-PRIOR>                          1765863
<ACCUMULATED-NII-CURRENT>                            0
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                          (484)
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                             0
<NET-ASSETS>                                   1762055
<DIVIDEND-INCOME>                                    0
<INTEREST-INCOME>                                46410
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                  (5615)
<NET-INVESTMENT-INCOME>                          40795
<REALIZED-GAINS-CURRENT>                          (66)
<APPREC-INCREASE-CURRENT>                            0
<NET-CHANGE-FROM-OPS>                            40729
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                      (40879)
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                        2732551
<NUMBER-OF-SHARES-REDEEMED>                  (2782204)
<SHARES-REINVESTED>                              46413
<NET-CHANGE-IN-ASSETS>                          (3390)
<ACCUMULATED-NII-PRIOR>                              0
<ACCUMULATED-GAINS-PRIOR>                        (418)
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                             3790
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                   7967
<AVERAGE-NET-ASSETS>                           1742041
<PER-SHARE-NAV-BEGIN>                             1.00
<PER-SHARE-NII>                                    .03
<PER-SHARE-GAIN-APPREC>                              0
<PER-SHARE-DIVIDEND>                             (.03)
<PER-SHARE-DISTRIBUTIONS>                            0
<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                               1.00
<EXPENSE-RATIO>                                    .65
<AVG-DEBT-OUTSTANDING>                               0
<AVG-DEBT-PER-SHARE>                                 0
        

</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000857156
<NAME> THE CHARLES SCHWAB FAMILY OF FUNDS
<SERIES>
   <NUMBER> 06
   <NAME> SCHWAB VALUE ADVANTAGE MONEY FUND
<MULTIPLIER> 1000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<INVESTMENTS-AT-COST>                         17171670
<INVESTMENTS-AT-VALUE>                        17171670
<RECEIVABLES>                                   145518
<ASSETS-OTHER>                                    1166
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                17318354
<PAYABLE-FOR-SECURITIES>                             0
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                       117034
<TOTAL-LIABILITIES>                             117034
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                      17201445
<SHARES-COMMON-STOCK>                         17201554
<SHARES-COMMON-PRIOR>                         13662310
<ACCUMULATED-NII-CURRENT>                            0
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                          (125)
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                             0
<NET-ASSETS>                                  17201320
<DIVIDEND-INCOME>                                    0
<INTEREST-INCOME>                               445664
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                 (31326)
<NET-INVESTMENT-INCOME>                         414338
<REALIZED-GAINS-CURRENT>                             0
<APPREC-INCREASE-CURRENT>                            0
<NET-CHANGE-FROM-OPS>                           414338
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                     (414447)
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                       13242052
<NUMBER-OF-SHARES-REDEEMED>                 (10145652)
<SHARES-REINVESTED>                             442844
<NET-CHANGE-IN-ASSETS>                         3539135
<ACCUMULATED-NII-PRIOR>                              0
<ACCUMULATED-GAINS-PRIOR>                        (125)
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
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<GROSS-EXPENSE>                                  53042
<AVERAGE-NET-ASSETS>                          15792805
<PER-SHARE-NAV-BEGIN>                             1.00
<PER-SHARE-NII>                                    .03
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<PER-SHARE-NAV-END>                               1.00
<EXPENSE-RATIO>                                    .40
<AVG-DEBT-OUTSTANDING>                               0
<AVG-DEBT-PER-SHARE>                                 0
        

</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000857156
<NAME> THE CHARLES SCHWAB FAMILY OF FUNDS
<SERIES>
   <NUMBER> 07
   <NAME> SCHWAB INSTITUTIONAL ADVANTAGE MONEY FUND
<MULTIPLIER> 1000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<INVESTMENTS-AT-COST>                           307751
<INVESTMENTS-AT-VALUE>                          307751
<RECEIVABLES>                                     3160
<ASSETS-OTHER>                                      46
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                  310957
<PAYABLE-FOR-SECURITIES>                             0
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                        10488
<TOTAL-LIABILITIES>                              10488
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                        300473
<SHARES-COMMON-STOCK>                           300529
<SHARES-COMMON-PRIOR>                           275340
<ACCUMULATED-NII-CURRENT>                            0
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                            (4)
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                             0
<NET-ASSETS>                                    300469
<DIVIDEND-INCOME>                                    0
<INTEREST-INCOME>                                 8782
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                   (771)
<NET-INVESTMENT-INCOME>                           8011
<REALIZED-GAINS-CURRENT>                           (1)
<APPREC-INCREASE-CURRENT>                            0
<NET-CHANGE-FROM-OPS>                             8010
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                       (8057)
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                         338251
<NUMBER-OF-SHARES-REDEEMED>                   (321419)
<SHARES-REINVESTED>                               8347
<NET-CHANGE-IN-ASSETS>                           25132
<ACCUMULATED-NII-PRIOR>                              0
<ACCUMULATED-GAINS-PRIOR>                          (3)
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                              710
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                   1286
<AVERAGE-NET-ASSETS>                            311038
<PER-SHARE-NAV-BEGIN>                             1.00
<PER-SHARE-NII>                                    .03
<PER-SHARE-GAIN-APPREC>                              0
<PER-SHARE-DIVIDEND>                             (.03)
<PER-SHARE-DISTRIBUTIONS>                            0
<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                               1.00
<EXPENSE-RATIO>                                    .50
<AVG-DEBT-OUTSTANDING>                               0
<AVG-DEBT-PER-SHARE>                                 0
        

</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000857156
<NAME> THE CHARLES SCHWAB FAMILY OF FUNDS
<SERIES>
   <NUMBER> 08
   <NAME> SCHWAB RETIREMENT MONEY FUND
<MULTIPLIER> 1000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<INVESTMENTS-AT-COST>                           180645
<INVESTMENTS-AT-VALUE>                          180645
<RECEIVABLES>                                     2279
<ASSETS-OTHER>                                      21
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                  182945
<PAYABLE-FOR-SECURITIES>                          2595
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                         6438
<TOTAL-LIABILITIES>                               9033
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                        173903
<SHARES-COMMON-STOCK>                           173960
<SHARES-COMMON-PRIOR>                           154904
<ACCUMULATED-NII-CURRENT>                           10
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                            (1)
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                             0
<NET-ASSETS>                                    173912
<DIVIDEND-INCOME>                                    0
<INTEREST-INCOME>                                 4891
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                   (627)
<NET-INVESTMENT-INCOME>                           4264
<REALIZED-GAINS-CURRENT>                             0
<APPREC-INCREASE-CURRENT>                            0
<NET-CHANGE-FROM-OPS>                             4264
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                       (4299)
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                         140313
<NUMBER-OF-SHARES-REDEEMED>                   (126165)
<SHARES-REINVESTED>                               4896
<NET-CHANGE-IN-ASSETS>                           19009
<ACCUMULATED-NII-PRIOR>                              0
<ACCUMULATED-GAINS-PRIOR>                          (1)
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                              395
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                    696
<AVERAGE-NET-ASSETS>                            173275
<PER-SHARE-NAV-BEGIN>                             1.00
<PER-SHARE-NII>                                    .03
<PER-SHARE-GAIN-APPREC>                              0
<PER-SHARE-DIVIDEND>                             (.03)
<PER-SHARE-DISTRIBUTIONS>                            0
<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                               1.00
<EXPENSE-RATIO>                                    .73
<AVG-DEBT-OUTSTANDING>                               0
<AVG-DEBT-PER-SHARE>                                 0
        

</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000857156
<NAME> THE CHARLES SCHWAB FAMILY OF FUNDS
<SERIES>
   <NUMBER> 091
   <NAME> SCHWAB NEW YORK MUNICIPAL MONEY FUND - SWEEP CLASS
<MULTIPLIER> 1000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<INVESTMENTS-AT-COST>                           564509
<INVESTMENTS-AT-VALUE>                          564509
<RECEIVABLES>                                     7708
<ASSETS-OTHER>                                     105
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                  572322
<PAYABLE-FOR-SECURITIES>                             0
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                         1998
<TOTAL-LIABILITIES>                               1998
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                        570343
<SHARES-COMMON-STOCK>                           390170
<SHARES-COMMON-PRIOR>                           357233
<ACCUMULATED-NII-CURRENT>                            0
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                           (19)
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                             0
<NET-ASSETS>                                    390104
<DIVIDEND-INCOME>                                    0
<INTEREST-INCOME>                                 9753
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                  (1702)
<NET-INVESTMENT-INCOME>                           8051
<REALIZED-GAINS-CURRENT>                           (5)
<APPREC-INCREASE-CURRENT>                            0
<NET-CHANGE-FROM-OPS>                             8046
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                       (8102)
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                         867263
<NUMBER-OF-SHARES-REDEEMED>                   (840681)
<SHARES-REINVESTED>                               6343
<NET-CHANGE-IN-ASSETS>                           87566
<ACCUMULATED-NII-PRIOR>                              0
<ACCUMULATED-GAINS-PRIOR>                         (14)
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                             1259
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                   2539
<AVERAGE-NET-ASSETS>                           1395155
<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>                                    .69
<AVG-DEBT-OUTSTANDING>                               0
<AVG-DEBT-PER-SHARE>                                 0
        

</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000857156
<NAME> THE CHARLES SCHWAB FAMILY OF FUNDS
<SERIES>
   <NUMBER> 092
   <NAME> SCHWAB NEW YORK MUNICIPAL MONEY FUND - VALUE CLASS
<MULTIPLIER> 1000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<INVESTMENTS-AT-COST>                           564509
<INVESTMENTS-AT-VALUE>                          564509
<RECEIVABLES>                                     7708
<ASSETS-OTHER>                                     105
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                  572322
<PAYABLE-FOR-SECURITIES>                             0
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                         1998
<TOTAL-LIABILITIES>                               1998
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                        570343
<SHARES-COMMON-STOCK>                           180236
<SHARES-COMMON-PRIOR>                           125539
<ACCUMULATED-NII-CURRENT>                            0
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                           (19)
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                             0
<NET-ASSETS>                                    180220
<DIVIDEND-INCOME>                                    0
<INTEREST-INCOME>                                 9753
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                  (1702)
<NET-INVESTMENT-INCOME>                           8051
<REALIZED-GAINS-CURRENT>                           (5)
<APPREC-INCREASE-CURRENT>                            0
<NET-CHANGE-FROM-OPS>                             8046
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                       (8102)
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                         159559
<NUMBER-OF-SHARES-REDEEMED>                   (107464)
<SHARES-REINVESTED>                               2602
<NET-CHANGE-IN-ASSETS>                           87566
<ACCUMULATED-NII-PRIOR>                              0
<ACCUMULATED-GAINS-PRIOR>                         (14)
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                             1259
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                   2539
<AVERAGE-NET-ASSETS>                            156770
<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>                                    .45
<AVG-DEBT-OUTSTANDING>                               0
<AVG-DEBT-PER-SHARE>                                 0
        

</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000857156
<NAME> THE CHARLES SCHWAB FAMILY OF FUNDS
<SERIES>
   <NUMBER> 10
   <NAME> SCHWAB PENNSYLVANIA MUNICIPAL MONEY FUND
<MULTIPLIER> 1000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<INVESTMENTS-AT-COST>                            59318
<INVESTMENTS-AT-VALUE>                           59318
<RECEIVABLES>                                      365
<ASSETS-OTHER>                                      39
<OTHER-ITEMS-ASSETS>                                 0
<TOTAL-ASSETS>                                   59722
<PAYABLE-FOR-SECURITIES>                          2765
<SENIOR-LONG-TERM-DEBT>                              0
<OTHER-ITEMS-LIABILITIES>                          115
<TOTAL-LIABILITIES>                               2880
<SENIOR-EQUITY>                                      0
<PAID-IN-CAPITAL-COMMON>                         56844
<SHARES-COMMON-STOCK>                            56844
<SHARES-COMMON-PRIOR>                                0
<ACCUMULATED-NII-CURRENT>                            0
<OVERDISTRIBUTION-NII>                               0
<ACCUMULATED-NET-GAINS>                            (2)
<OVERDISTRIBUTION-GAINS>                             0
<ACCUM-APPREC-OR-DEPREC>                             0
<NET-ASSETS>                                     56842
<DIVIDEND-INCOME>                                    0
<INTEREST-INCOME>                                  554
<OTHER-INCOME>                                       0
<EXPENSES-NET>                                    (97)
<NET-INVESTMENT-INCOME>                            457
<REALIZED-GAINS-CURRENT>                           (2)
<APPREC-INCREASE-CURRENT>                            0
<NET-CHANGE-FROM-OPS>                              455
<EQUALIZATION>                                       0
<DISTRIBUTIONS-OF-INCOME>                        (457)
<DISTRIBUTIONS-OF-GAINS>                             0
<DISTRIBUTIONS-OTHER>                                0
<NUMBER-OF-SHARES-SOLD>                         121144
<NUMBER-OF-SHARES-REDEEMED>                    (64678)
<SHARES-REINVESTED>                                378
<NET-CHANGE-IN-ASSETS>                           56842
<ACCUMULATED-NII-PRIOR>                              0
<ACCUMULATED-GAINS-PRIOR>                            0
<OVERDISTRIB-NII-PRIOR>                              0
<OVERDIST-NET-GAINS-PRIOR>                           0
<GROSS-ADVISORY-FEES>                               69
<INTEREST-EXPENSE>                                   0
<GROSS-EXPENSE>                                    193
<AVERAGE-NET-ASSETS>                             36530
<PER-SHARE-NAV-BEGIN>                             1.00
<PER-SHARE-NII>                                    .01
<PER-SHARE-GAIN-APPREC>                              0
<PER-SHARE-DIVIDEND>                             (.01)
<PER-SHARE-DISTRIBUTIONS>                            0
<RETURNS-OF-CAPITAL>                                 0
<PER-SHARE-NAV-END>                               1.00
<EXPENSE-RATIO>                                    .65
<AVG-DEBT-OUTSTANDING>                               0
<AVG-DEBT-PER-SHARE>                                 0
        

</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000857156
<NAME> THE CHARLES SCHWAB FAMILY OF FUNDS
<SERIES>
   <NUMBER> 11
   <NAME> SCHWAB NEW JERSEY MUNICIPAL MONEY FUND
<MULTIPLIER> 1000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<INVESTMENTS-AT-COST>                            61454
<INVESTMENTS-AT-VALUE>                           61454
<RECEIVABLES>                                      862
<ASSETS-OTHER>                                     103
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</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000857156
<NAME> THE CHARLES SCHWAB FAMILY OF FUNDS
<SERIES>
   <NUMBER> 12
   <NAME> SCHWAB FLORIDA MUNICIPAL MONEY FUND
<MULTIPLIER> 1000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
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<PERIOD-END>                               JUN-30-1998
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<NUMBER-OF-SHARES-REDEEMED>                   (399394)
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</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000857156
<NAME> THE CHARLES SCHWAB FAMILY OF FUNDS
<SERIES>
   <NUMBER> 13
   <NAME> SCHWAB GOVERNMENT CASH RESERVES
<MULTIPLIER> 1000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
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<PERIOD-END>                               JUN-30-1998
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<SHARES-COMMON-STOCK>                             5978
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</TABLE>


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