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<PAGE> PAGE 10
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<PAGE> PAGE 12
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<PAGE> PAGE 13
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<PAGE> PAGE 14
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<PAGE> PAGE 15
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<PAGE> PAGE 21
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SIGNATURE LAVINDA M JOHNSON
TITLE BUS. OFFICE MGR
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 1
<NAME> VALUE EQUITY
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1997
<PERIOD-END> JUN-30-1997
<INVESTMENTS-AT-COST> 21,551,266
<INVESTMENTS-AT-VALUE> 26,139,525
<RECEIVABLES> 86,604
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 26,226,129
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 850,669
<TOTAL-LIABILITIES> 850,669
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 8,794,867
<SHARES-COMMON-STOCK> 1,952,098
<SHARES-COMMON-PRIOR> 2,058,779
<ACCUMULATED-NII-CURRENT> 1,347,497
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 10,644,837
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 4,588,259
<NET-ASSETS> 25,375,460
<DIVIDEND-INCOME> 178,734
<INTEREST-INCOME> 44,447
<OTHER-INCOME> 0
<EXPENSES-NET> 186,140
<NET-INVESTMENT-INCOME> 37,041
<REALIZED-GAINS-CURRENT> 2,031,723
<APPREC-INCREASE-CURRENT> 1,280,917
<NET-CHANGE-FROM-OPS> 3,349,681
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 75,142
<NUMBER-OF-SHARES-REDEEMED> 181,914
<SHARES-REINVESTED> 0
<NET-CHANGE-IN-ASSETS> 2,024,877
<ACCUMULATED-NII-PRIOR> 1,310,456
<ACCUMULATED-GAINS-PRIOR> 8,613,114
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 96,064
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 220,189
<AVERAGE-NET-ASSETS> 24,026,142
<PER-SHARE-NAV-BEGIN> 11.34
<PER-SHARE-NII> .02
<PER-SHARE-GAIN-APPREC> 1.64
<PER-SHARE-DIVIDEND> 0
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<PER-SHARE-NAV-END> 13.00
<EXPENSE-RATIO> .86
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 2
<NAME> BALANCED
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1997
<PERIOD-END> JUN-30-1997
<INVESTMENTS-AT-COST> 3,863,536
<INVESTMENTS-AT-VALUE> 5,566,178
<RECEIVABLES> 65,253
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 5,631,431
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 25,515
<TOTAL-LIABILITIES> 25,515
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 3,030,540
<SHARES-COMMON-STOCK> 450,457
<SHARES-COMMON-PRIOR> 423,839
<ACCUMULATED-NII-CURRENT> 575,132
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 297,602
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 1,702,642
<NET-ASSETS> 5,605,916
<DIVIDEND-INCOME> 22,646
<INTEREST-INCOME> 58,542
<OTHER-INCOME> 0
<EXPENSES-NET> 37,423
<NET-INVESTMENT-INCOME> 43,765
<REALIZED-GAINS-CURRENT> 45,288
<APPREC-INCREASE-CURRENT> 600,298
<NET-CHANGE-FROM-OPS> 689,351
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 42,162
<NUMBER-OF-SHARES-REDEEMED> 15,544
<SHARES-REINVESTED> 0
<NET-CHANGE-IN-ASSETS> 997,298
<ACCUMULATED-NII-PRIOR> 531,367
<ACCUMULATED-GAINS-PRIOR> 252,314
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 14,536
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 40,607
<AVERAGE-NET-ASSETS> 5,039,493
<PER-SHARE-NAV-BEGIN> 10.87
<PER-SHARE-NII> .10
<PER-SHARE-GAIN-APPREC> 1.48
<PER-SHARE-DIVIDEND> 0
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 12.45
<EXPENSE-RATIO> .75
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 3
<NAME> LONG INTERMEDIATE FIXED
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1997
<PERIOD-END> JUN-30-1997
<INVESTMENTS-AT-COST> 4,351,603
<INVESTMENTS-AT-VALUE> 4,428,862
<RECEIVABLES> 49,897
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 4,478,759
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 554,208
<TOTAL-LIABILITIES> 554,208
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 1,764,320
<SHARES-COMMON-STOCK> 368,884
<SHARES-COMMON-PRIOR> 453,931
<ACCUMULATED-NII-CURRENT> 1,846,201
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 236,771
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 77,259
<NET-ASSETS> 3,924,551
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 146,624
<OTHER-INCOME> 0
<EXPENSES-NET> 29,672
<NET-INVESTMENT-INCOME> 116,952
<REALIZED-GAINS-CURRENT> 19,310
<APPREC-INCREASE-CURRENT> (46,307)
<NET-CHANGE-FROM-OPS> 89,955
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> 0
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<NUMBER-OF-SHARES-SOLD> 7,236
<NUMBER-OF-SHARES-REDEEMED> 92,283
<SHARES-REINVESTED> 0
<NET-CHANGE-IN-ASSETS> (808,213)
<ACCUMULATED-NII-PRIOR> 1,729,249
<ACCUMULATED-GAINS-PRIOR> 217,461
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 11,028
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 31,914
<AVERAGE-NET-ASSETS> 4,437,733
<PER-SHARE-NAV-BEGIN> 10.43
<PER-SHARE-NII> .28
<PER-SHARE-GAIN-APPREC> (.07)
<PER-SHARE-DIVIDEND> 0
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.64
<EXPENSE-RATIO> .67
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 4
<NAME> SHORT INTERMEDIATE FIXED
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1997
<PERIOD-END> JUN-30-1997
<INVESTMENTS-AT-COST> 4,766,087
<INVESTMENTS-AT-VALUE> 4,743,025
<RECEIVABLES> 155,323
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 4,898,348
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 266,186
<TOTAL-LIABILITIES> 266,186
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 2,691,642
<SHARES-COMMON-STOCK> 440,398
<SHARES-COMMON-PRIOR> 436,883
<ACCUMULATED-NII-CURRENT> 1,885,616
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 77,966
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> (23,062)
<NET-ASSETS> 4,632,162
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 142,332
<OTHER-INCOME> 0
<EXPENSES-NET> 31,801
<NET-INVESTMENT-INCOME> 110,531
<REALIZED-GAINS-CURRENT> (15,516)
<APPREC-INCREASE-CURRENT> 9,394
<NET-CHANGE-FROM-OPS> 104,409
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 77,924
<NUMBER-OF-SHARES-REDEEMED> 74,447
<SHARES-REINVESTED> 0
<NET-CHANGE-IN-ASSETS> 137,292
<ACCUMULATED-NII-PRIOR> 1,775,085
<ACCUMULATED-GAINS-PRIOR> 93,482
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 12,136
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 34,205
<AVERAGE-NET-ASSETS> 4,736,409
<PER-SHARE-NAV-BEGIN> 10.29
<PER-SHARE-NII> .24
<PER-SHARE-GAIN-APPREC> (.01)
<PER-SHARE-DIVIDEND> 0
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.52
<EXPENSE-RATIO> .67
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 5
<NAME> SHORT TERM INCOME
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1997
<PERIOD-END> JUN-30-1997
<INVESTMENTS-AT-COST> 3,746,354
<INVESTMENTS-AT-VALUE> 3,750,275
<RECEIVABLES> 53,639
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 3,803,914
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 357,315
<TOTAL-LIABILITIES> 357,315
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 2,027,090
<SHARES-COMMON-STOCK> 329,090
<SHARES-COMMON-PRIOR> 350,355
<ACCUMULATED-NII-CURRENT> 1,479,019
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (63,431)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 3,921
<NET-ASSETS> 3,446,599
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 116,834
<OTHER-INCOME> 0
<EXPENSES-NET> 24,975
<NET-INVESTMENT-INCOME> 91,859
<REALIZED-GAINS-CURRENT> (6,133)
<APPREC-INCREASE-CURRENT> 13,891
<NET-CHANGE-FROM-OPS> 99,617
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> 0
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<NUMBER-OF-SHARES-SOLD> 44,647
<NUMBER-OF-SHARES-REDEEMED> 65,912
<SHARES-REINVESTED> 0
<NET-CHANGE-IN-ASSETS> (125,517)
<ACCUMULATED-NII-PRIOR> 1,387,160
<ACCUMULATED-GAINS-PRIOR> (57,298)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 9,390
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 26,870
<AVERAGE-NET-ASSETS> 3,667,992
<PER-SHARE-NAV-BEGIN> 10.20
<PER-SHARE-NII> .25
<PER-SHARE-GAIN-APPREC> .02
<PER-SHARE-DIVIDEND> 0
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<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.47
<EXPENSE-RATIO> .68
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 6
<NAME> GROWTH EQUITY
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1997
<PERIOD-END> JUN-30-1997
<INVESTMENTS-AT-COST> 3,171,613
<INVESTMENTS-AT-VALUE> 4,363,326
<RECEIVABLES> 24,301
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 4,387,627
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<OTHER-ITEMS-LIABILITIES> 283,394
<TOTAL-LIABILITIES> 283,394
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 2,346,289
<SHARES-COMMON-STOCK> 220,768
<SHARES-COMMON-PRIOR> 248,695
<ACCUMULATED-NII-CURRENT> (114,714)
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 680,945
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 1,191,713
<NET-ASSETS> 4,104,233
<DIVIDEND-INCOME> 11,010
<INTEREST-INCOME> 2,152
<OTHER-INCOME> 0
<EXPENSES-NET> 31,695
<NET-INVESTMENT-INCOME> (18,533)
<REALIZED-GAINS-CURRENT> 233,683
<APPREC-INCREASE-CURRENT> 224,925
<NET-CHANGE-FROM-OPS> 440,075
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<NUMBER-OF-SHARES-SOLD> 8,535
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<SHARES-REINVESTED> 0
<NET-CHANGE-IN-ASSETS> (49,737)
<ACCUMULATED-NII-PRIOR> (96,181)
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<OVERDISTRIB-NII-PRIOR> 0
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<GROSS-EXPENSE> 36,076
<AVERAGE-NET-ASSETS> 4,112,212
<PER-SHARE-NAV-BEGIN> 16.70
<PER-SHARE-NII> (.08)
<PER-SHARE-GAIN-APPREC> 1.97
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<PER-SHARE-NAV-END> 18.59
<EXPENSE-RATIO> .83
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<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 7
<NAME> INTL EQUITY
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1997
<PERIOD-END> JUN-30-1997
<INVESTMENTS-AT-COST> 1,264,957
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<SENIOR-EQUITY> 0
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<ACCUM-APPREC-OR-DEPREC> 279,314
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</TABLE>
