<PAGE> PAGE 1
000 A000000 06/30/96
000 C000000 0000867050
000 D000000 N
000 E000000 NF
000 F000000 Y
000 G000000 N
000 H000000 N
000 I000000 3.0.a
000 J000000 U
001 A000000 AMERICAN NATIONAL INVESTMENT ACCOUNTS, INC.
001 B000000 811-6155
001 C000000 4097632767
002 A000000 ONE MOODY PLAZA
002 B000000 GALVESTON
002 C000000 TX
002 D010000 77550
003 000000 N
004 000000 N
005 000000 N
006 000000 N
007 A000000 Y
007 B000000 4
054 A00AA00 Y
054 B00AA00 Y
054 C00AA00 Y
054 D00AA00 N
054 E00AA00 N
054 F00AA00 N
054 G00AA00 Y
054 H00AA00 Y
054 I00AA00 N
054 J00AA00 Y
054 K00AA00 Y
054 L00AA00 Y
054 M00AA00 Y
054 N00AA00 Y
054 O00AA00 Y
077 A000000 N
062 A000100 N
062 B000100 0.0
062 C000100 0.0
062 D000100 0.0
062 E000100 0.0
062 F000100 0.0
062 G000100 0.0
062 H000100 0.0
062 I000100 0.0
062 J000100 0.0
062 K000100 0.0
062 L000100 0.0
062 M000100 0.0
<PAGE> PAGE 2
062 N000100 0.0
062 O000100 0.0
062 P000100 0.0
062 Q000100 0.0
062 R000100 0.0
071 A000100 921
071 B000100 497
071 C000100 4469
071 D000100 11
072 A000100 6
074 N000100 6059
074 T000100 6052
075 A000100 0
075 B000100 5502
062 A000200 N
062 B000200 0.0
062 C000200 0.0
062 D000200 0.0
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
062 M000200 0.0
062 N000200 0.0
062 O000200 0.0
062 P000200 0.0
062 Q000200 0.0
062 R000200 0.0
071 A000200 866
071 B000200 205
071 C000200 3903
071 D000200 5
072 A000200 6
074 N000200 5206
074 T000200 5194
075 A000200 0
075 B000200 4732
062 A000300 N
062 B000300 0.0
062 C000300 0.0
062 D000300 0.0
062 E000300 0.0
062 F000300 0.0
062 G000300 0.0
062 H000300 0.0
062 I000300 0.0
062 J000300 0.0
<PAGE> PAGE 3
062 K000300 0.0
062 L000300 0.0
062 M000300 0.0
062 N000300 0.0
062 O000300 0.0
062 P000300 0.0
062 Q000300 0.0
062 R000300 0.0
071 A000300 631
071 B000300 296
071 C000300 3143
071 D000300 9
072 A000300 6
074 N000300 3917
074 T000300 3914
075 A000300 0
075 B000300 3666
062 A000400 Y
062 B000400 0.0
062 C000400 99.4
062 D000400 0.0
062 E000400 0.0
062 F000400 0.0
062 G000400 0.0
062 H000400 0.0
062 I000400 0.0
062 J000400 0.0
062 K000400 0.0
062 L000400 0.0
062 M000400 0.0
062 N000400 0.0
062 O000400 0.0
062 P000400 0.0
062 Q000400 0.0
062 R000400 0.0
071 A000400 0
071 B000400 0
071 C000400 0
071 D000400 0
072 A000400 6
074 N000400 2478
074 T000400 2468
075 A000400 2426
075 B000400 0
SIGNATURE BRENDA KOELEMAY
TITLE VP/TREASURER
[ARTICLE] 6
[CIK] 0000867050
[NAME] AMERICAN NATIONAL INVESTMENT ACCOUNTS, INC.
[SERIES]
[NUMBER] 01
[NAME] GROWTH PORTFOLIO
<TABLE>
<S> <C>
[PERIOD-TYPE] 6-MOS
[FISCAL-YEAR-END] DEC-31-1996
[PERIOD-END] JUN-30-1996
[INVESTMENTS-AT-COST] 5017654
[INVESTMENTS-AT-VALUE] 6015503
[RECEIVABLES] 6809
[ASSETS-OTHER] 346
[OTHER-ITEMS-ASSETS] 37198
[TOTAL-ASSETS] 6059856
[PAYABLE-FOR-SECURITIES] 0
[SENIOR-LONG-TERM-DEBT] 0
[OTHER-ITEMS-LIABILITIES] 7433
[TOTAL-LIABILITIES] 7433
[SENIOR-EQUITY] 0
[PAID-IN-CAPITAL-COMMON] 450300
[SHARES-COMMON-STOCK] 4407702
[SHARES-COMMON-PRIOR] 3774720
[ACCUMULATED-NII-CURRENT] 46472
[OVERDISTRIBUTION-NII] 0
[ACCUMULATED-NET-GAINS] 150080
[OVERDISTRIBUTION-GAINS] 0
[ACCUM-APPREC-OR-DEPREC] 997849
[NET-ASSETS] 6052423
[DIVIDEND-INCOME] 44063
[INTEREST-INCOME] 26942
[OTHER-INCOME] 0
[EXPENSES-NET] 24165
[NET-INVESTMENT-INCOME] 46840
[REALIZED-GAINS-CURRENT] 77913
[APPREC-INCREASE-CURRENT] 306220
[NET-CHANGE-FROM-OPS] 430973
[EQUALIZATION] 0
[DISTRIBUTIONS-OF-INCOME] 0
[DISTRIBUTIONS-OF-GAINS] 0
[DISTRIBUTIONS-OTHER] 0
[NUMBER-OF-SHARES-SOLD] 804976
[NUMBER-OF-SHARES-REDEEMED] 171994
[SHARES-REINVESTED] 0
[NET-CHANGE-IN-ASSETS] 1271248
[ACCUMULATED-NII-PRIOR] 0
[ACCUMULATED-GAINS-PRIOR] 72167
[OVERDISTRIB-NII-PRIOR] 368
[OVERDIST-NET-GAINS-PRIOR] 0
[GROSS-ADVISORY-FEES] 13669
[INTEREST-EXPENSE] 0
[GROSS-EXPENSE] 39455
[AVERAGE-NET-ASSETS] 5502159
[PER-SHARE-NAV-BEGIN] 1.27
[PER-SHARE-NII] .01
[PER-SHARE-GAIN-APPREC] .09
[PER-SHARE-DIVIDEND] 0
[PER-SHARE-DISTRIBUTIONS] 0
[RETURNS-OF-CAPITAL] 0
[PER-SHARE-NAV-END] 1.37
[EXPENSE-RATIO] .87
[AVG-DEBT-OUTSTANDING] 0
[AVG-DEBT-PER-SHARE] 0
</TABLE>
[ARTICLE] 6
[CIK] 0000086050
[NAME] AMERICAN NATIONAL INVESTMENT ACCOUNTS, INC.
[SERIES]
[NUMBER] 02
[NAME] MANAGED PORTFOLIO
<TABLE>
<S> <C>
[PERIOD-TYPE] 6-MOS
[FISCAL-YEAR-END] DEC-31-1996
[PERIOD-END] JUN-30-1996
[INVESTMENTS-AT-COST] 4294642
[INVESTMENTS-AT-VALUE] 5152356
[RECEIVABLES] 10998
[ASSETS-OTHER] 311
[OTHER-ITEMS-ASSETS] 42626
[TOTAL-ASSETS] 5206291
[PAYABLE-FOR-SECURITIES] 0
[SENIOR-LONG-TERM-DEBT] 0
[OTHER-ITEMS-LIABILITIES] 12668
[TOTAL-LIABILITIES] 12668
[SENIOR-EQUITY] 0
[PAID-IN-CAPITAL-COMMON] 1281180
[SHARES-COMMON-STOCK] 3940502
[SHARES-COMMON-PRIOR] 3325669
[ACCUMULATED-NII-CURRENT] 51435
[OVERDISTRIBUTION-NII] 0
[ACCUMULATED-NET-GAINS] 62792
[OVERDISTRIBUTION-GAINS] 0
[ACCUM-APPREC-OR-DEPREC] 857714
[NET-ASSETS] 5193623
[DIVIDEND-INCOME] 49369
[INTEREST-INCOME] 23968
[OTHER-INCOME] 0
[EXPENSES-NET] 21872
[NET-INVESTMENT-INCOME] 51465
[REALIZED-GAINS-CURRENT] 57957
[APPREC-INCREASE-CURRENT] 285782
[NET-CHANGE-FROM-OPS] 395204
[EQUALIZATION] 0
[DISTRIBUTIONS-OF-INCOME] 0
[DISTRIBUTIONS-OF-GAINS] 0
[DISTRIBUTIONS-OTHER] 0
[NUMBER-OF-SHARES-SOLD] 756936
[NUMBER-OF-SHARES-REDEEMED] 142103
[SHARES-REINVESTED] 0
[NET-CHANGE-IN-ASSETS] 1165180
[ACCUMULATED-NII-PRIOR] 0
[ACCUMULATED-GAINS-PRIOR] 4835
[OVERDISTRIB-NII-PRIOR] 30
[OVERDIST-NET-GAINS-PRIOR] 0
[GROSS-ADVISORY-FEES] 11739
[INTEREST-EXPENSE] 0
[GROSS-EXPENSE] 32560
[AVERAGE-NET-ASSETS] 4731886
[PER-SHARE-NAV-BEGIN] 1.21
[PER-SHARE-NII] .01
[PER-SHARE-GAIN-APPREC] .1
[PER-SHARE-DIVIDEND] 0
[PER-SHARE-DISTRIBUTIONS] 0
[RETURNS-OF-CAPITAL] 0
[PER-SHARE-NAV-END] 1.32
[EXPENSE-RATIO] .93
[AVG-DEBT-OUTSTANDING] 0
[AVG-DEBT-PER-SHARE] 0
</TABLE>
[ARTICLE] 6
[CIK] 0000867050
[NAME] AMERICAN NATIONAL INVESTMENT ACCOUNTS, INC,
[SERIES]
[NUMBER] 03
[NAME] BALANCED PORTFOLIO
<TABLE>
<S> <C>
[PERIOD-TYPE] 6-MOS
[FISCAL-YEAR-END] DEC-31-1996
[PERIOD-END] JUN-30-1996
[INVESTMENTS-AT-COST] 3347445
[INVESTMENTS-AT-VALUE] 3864325
[RECEIVABLES] 26104
[ASSETS-OTHER] 315
[OTHER-ITEMS-ASSETS] 26186
[TOTAL-ASSETS] 3916930
[PAYABLE-FOR-SECURITIES] 0
[SENIOR-LONG-TERM-DEBT] 0
[OTHER-ITEMS-LIABILITIES] 2573
[TOTAL-LIABILITIES] 2573
[SENIOR-EQUITY] 0
[PAID-IN-CAPITAL-COMMON] 132580
[SHARES-COMMON-STOCK] 3140726
[SHARES-COMMON-PRIOR] 2869276
[ACCUMULATED-NII-CURRENT] 57560
[OVERDISTRIBUTION-NII] 0
[ACCUMULATED-NET-GAINS] 66611
[OVERDISTRIBUTION-GAINS] 0
[ACCUM-APPREC-OR-DEPREC] 516880
[NET-ASSETS] 3914357
[DIVIDEND-INCOME] 23075
[INTEREST-INCOME] 51433
[OTHER-INCOME] 0
[EXPENSES-NET] 16330
[NET-INVESTMENT-INCOME] 58178
[REALIZED-GAINS-CURRENT] 68234
[APPREC-INCREASE-CURRENT] 56257
[NET-CHANGE-FROM-OPS] 182669
[EQUALIZATION] 0
[DISTRIBUTIONS-OF-INCOME] 0
[DISTRIBUTIONS-OF-GAINS] 0
[DISTRIBUTIONS-OTHER] 0
[NUMBER-OF-SHARES-SOLD] 371401
[NUMBER-OF-SHARES-REDEEMED] 99951
[SHARES-REINVESTED] 0
[NET-CHANGE-IN-ASSETS] 515529
[ACCUMULATED-NII-PRIOR] 0
[ACCUMULATED-GAINS-PRIOR] 0
[OVERDISTRIB-NII-PRIOR] 618
[OVERDIST-NET-GAINS-PRIOR] 1623
[GROSS-ADVISORY-FEES] 9107
[INTEREST-EXPENSE] 0
[GROSS-EXPENSE] 29623
[AVERAGE-NET-ASSETS] 3665659
[PER-SHARE-NAV-BEGIN] 1.18
[PER-SHARE-NII] .02
[PER-SHARE-GAIN-APPREC] .05
[PER-SHARE-DIVIDEND] 0
[PER-SHARE-DISTRIBUTIONS] 0
[RETURNS-OF-CAPITAL] 0
[PER-SHARE-NAV-END] 1.25
[EXPENSE-RATIO] .89
[AVG-DEBT-OUTSTANDING] 0
[AVG-DEBT-PER-SHARE] 0
</TABLE>
[ARTICLE] 6
[CIK] 0000867050
[NAME] AMERICAN NATIONAL INVESTMENT ACCOUNTS, INC.
[SERIES]
[NUMBER] 04
[NAME] MONEY MARKET PORTFOLIO
<TABLE>
<S> <C>
[PERIOD-TYPE] 6-MOS
[FISCAL-YEAR-END] DEC-31-1996
[PERIOD-END] JUN-30-1996
[INVESTMENTS-AT-COST] 2452759
[INVESTMENTS-AT-VALUE] 2452759
[RECEIVABLES] 112
[ASSETS-OTHER] 129
[OTHER-ITEMS-ASSETS] 25148
[TOTAL-ASSETS] 2478148
[PAYABLE-FOR-SECURITIES] 0
[SENIOR-LONG-TERM-DEBT] 0
[OTHER-ITEMS-LIABILITIES] 9895
[TOTAL-LIABILITIES] 9895
[SENIOR-EQUITY] 0
[PAID-IN-CAPITAL-COMMON] 0
[SHARES-COMMON-STOCK] 2468253
[SHARES-COMMON-PRIOR] 2398008
[ACCUMULATED-NII-CURRENT] 0
[OVERDISTRIBUTION-NII] 0
[ACCUMULATED-NET-GAINS] 0
[OVERDISTRIBUTION-GAINS] 0
[ACCUM-APPREC-OR-DEPREC] 0
[NET-ASSETS] 2468253
[DIVIDEND-INCOME] 0
[INTEREST-INCOME] 65010
[OTHER-INCOME] 0
[EXPENSES-NET] 10490
[NET-INVESTMENT-INCOME] 54520
[REALIZED-GAINS-CURRENT] 0
[APPREC-INCREASE-CURRENT] 0
[NET-CHANGE-FROM-OPS] 54520
[EQUALIZATION] 0
[DISTRIBUTIONS-OF-INCOME] 54520
[DISTRIBUTIONS-OF-GAINS] 0
[DISTRIBUTIONS-OTHER] 0
[NUMBER-OF-SHARES-SOLD] 25562
[NUMBER-OF-SHARES-REDEEMED] 9837
[SHARES-REINVESTED] 54520
[NET-CHANGE-IN-ASSETS] 70245
[ACCUMULATED-NII-PRIOR] 0
[ACCUMULATED-GAINS-PRIOR] 0
[OVERDISTRIB-NII-PRIOR] 0
[OVERDIST-NET-GAINS-PRIOR] 0
[GROSS-ADVISORY-FEES] 6029
[INTEREST-EXPENSE] 0
[GROSS-EXPENSE] 19027
[AVERAGE-NET-ASSETS] 2425785
[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] .87
[AVG-DEBT-OUTSTANDING] 0
[AVG-DEBT-PER-SHARE] 0
</TABLE>