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<PAGE> PAGE 2
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<PAGE> PAGE 8
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<PAGE> PAGE 10
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<PAGE> PAGE 11
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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 16
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<PAGE> PAGE 18
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<PAGE> PAGE 19
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037 000400 N
038 000400 0
039 000400 N
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041 000400 Y
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<PAGE> PAGE 22
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048 I020400 0.000
048 J010400 0
048 J020400 0.000
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048 K020400 0.000
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050 000400 N
051 000400 N
052 000400 N
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054 E000400 N
054 F000400 N
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054 K000400 N
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<PAGE> PAGE 23
054 N000400 N
054 O000400 N
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056 000400 N
057 000400 N
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063 B000400 7.1
066 A000400 N
067 000400 N
068 A000400 N
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069 000400 N
070 A010400 Y
070 A020400 N
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070 B020400 N
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070 E020400 N
070 F010400 N
070 F020400 N
070 G010400 N
070 G020400 N
070 H010400 N
070 H020400 N
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070 I020400 N
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<PAGE> PAGE 24
070 K010400 Y
070 K020400 Y
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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 28
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054 F000500 N
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<PAGE> PAGE 29
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<PAGE> PAGE 30
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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 35
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<PAGE> PAGE 36
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SIGNATURE RICHARD A. CLEMENS
TITLE FIN REPTG SUPERVISOR
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
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<CIK> 0000862342
<NAME> THE RIVERFRONT FUNDS INC.
<SERIES>
<NUMBER> 6
<NAME> RIVERFRONT STOCK APPRECIATION FUND INVESTOR B SHARES
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-START> OCT-01-1995
<PERIOD-END> DEC-31-1995
<INVESTMENTS-AT-COST> 33882327
<INVESTMENTS-AT-VALUE> 39420991
<RECEIVABLES> 70716
<ASSETS-OTHER> 52174
<OTHER-ITEMS-ASSETS> 1579159
<TOTAL-ASSETS> 41123040
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 55868
<TOTAL-LIABILITIES> 55868
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 33949349
<SHARES-COMMON-STOCK> 4322910
<SHARES-COMMON-PRIOR> 4445453
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 7117823
<NET-ASSETS> 41067172
<DIVIDEND-INCOME> 39950
<INTEREST-INCOME> 93734
<OTHER-INCOME> 0
<EXPENSES-NET> 184815
<NET-INVESTMENT-INCOME> (51131)
<REALIZED-GAINS-CURRENT> 1556383
<APPREC-INCREASE-CURRENT> (2070853)
<NET-CHANGE-FROM-OPS> (565601)
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> 1556383
<DISTRIBUTIONS-OTHER> 6824
<NUMBER-OF-SHARES-SOLD> 83381
<NUMBER-OF-SHARES-REDEEMED> 370208
<SHARES-REINVESTED> 164279
<NET-CHANGE-IN-ASSETS> (3387406)
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 83982
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 184815
<AVERAGE-NET-ASSETS> 9132
<PER-SHARE-NAV-BEGIN> 10
<PER-SHARE-NII> (.01)
<PER-SHARE-GAIN-APPREC> (.08)
<PER-SHARE-DIVIDEND> 0
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 9.91
<EXPENSE-RATIO> 2.30
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
Board of Directors
The Riverfront Funds, Inc.
In planning and performing our audit of the financial statements of The
Riverfront Funds, Inc. (comprising respectively, U.S. Government Securities
Money Market Fund, U.S. Government Income Fund, Income Equity Fund, Ohio
Tax-Free Bond Fund, Flexible Growth Fund and Stock Appreciation Fund) for the
year ended December 31, 1995 for the U.S. Government Securities Money Market
Fund, U.S. Government Income Fund, Income Equity Fund, Ohio Tax-Free Bond Fund,
and Flexible Growth Fund, and from October 1, 1995 to December 31, 1995 of
Stock Appreciation Fund we considered its internal control structure, including
procedures 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, not to provide
assurance on the internal control structure.
The management of The Riverfront Funds, Inc., is responsible for establishing
and maintaining as internal control structure. In fulfilling this
responsibility, estimates and judgments by management are required to assess
the expected benefits and related costs of internal control structure policies
and procedures. Two of the objectives of an internal control structure are to
provide management with reasonable, but not absolute, assurance that assets are
safeguarded against loss from unauthorized use or disposition and that
transactions are executed in accordance with management's authorization and
recorded properly to permit preparation of financial statements in conformity
with generally accepted accounting principles.
Because of inherent limitations in any internal control structure, errors or
irregularities may occur and may not be detected. Also, projection of any
evaluation of the structure 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 structure 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 the specific internal control structure elements does not reduce
to relatively low level the risk that errors or irregularities 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 internal control structure, including procedures for safeguarding
securities, that we consider to be material weaknesses as defined above at
December 31, 1995.
This report is intended solely for the information and use of management and
the Securities and Exchange Commission.
/s/ Ernst & Young LLP
Cincinnati, Ohio
January 15, 1996
<PAGE>
COOPERS COOPERS & LYBRAND L.L.P.
&LYBRAND
a professional services firm
To the Trustees of
The MMA Praxis Mutual Funds
In planning and performing our audit of the financial statements and financial
highlights of the MMA Praxis Mutual Funds for the year ended December 31, 1995,
we considered its internal control structure, including procedures for
safeguarding securities, in order to determine our auditing procedures for the
purpose of expressing our opinion on the financial statements and financial
highlights and to comply with the requirements of Form N-SAR, not to provide
assurance on the internal control structure.
The management of the MMA Praxis Mutual Funds is responsible for establishing
and maintaining an internal control structure. In fulfilling this
responsibility, estimates and judgments by management are required to assess
the expected benefits and related costs of internal control structure policies
and procedures. Two of the objectives of an internal control structure are to
provide management with reasonable, but not absolute, assurance that assets are
safeguarded against loss from unauthorized use or disposition and that
transactions are executed in accordance with management's authorization and
recorded properly to permit the preparation of financial statements in
conformity with generally accepted accounting principles.
Because of the inherent limitations in any internal control structure, errors
or irregularities may occur and not be detected. Also, projection of any
evaluation of the structure 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 structure 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 the specific internal control structure elements does not reduce
to a relatively low level the risk that errors or irregularities in amounts
that would be material in relation to the financial statements and financial
highlights 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 internal control structure,
including procedures for safeguarding securities, that we consider to be
material weaknesses, as defined above, as of December 31, 1995.
This report is intended solely for the information and use of the management of
the MMA Praxis Mutual Funds and the Securities and Exchange Commission.
/s/ Coopers & Lybrand L.L.P.
COOPERS & LYBRAND L.L.P.
Columbus, Ohio
February 14, 1996
<PAGE>
