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066 A000400 N
067 000400 N
068 A000400 N
068 B000400 N
069 000400 N
<PAGE> PAGE 21
070 A010400 Y
070 A020400 N
070 B010400 N
070 B020400 N
070 C010400 N
070 C020400 N
070 D010400 N
070 D020400 N
070 E010400 N
070 E020400 N
070 F010400 N
070 F020400 N
070 G010400 N
070 G020400 N
070 H010400 N
070 H020400 N
070 I010400 N
070 I020400 N
070 J010400 Y
070 J020400 N
070 K010400 N
070 K020400 N
070 L010400 Y
070 L020400 N
070 M010400 N
070 M020400 N
070 N010400 Y
070 N020400 N
070 O010400 N
070 O020400 N
070 P010400 N
070 P020400 N
070 Q010400 N
070 Q020400 N
070 R010400 N
070 R020400 N
071 A000400 0
071 B000400 0
071 C000400 0
071 D000400 0
072 A000400 12
072 B000400 266
072 C000400 0
072 D000400 0
072 E000400 0
072 F000400 26
072 G000400 0
072 H000400 0
072 I000400 13
072 J000400 15
072 K000400 0
<PAGE> PAGE 22
072 L000400 0
072 M000400 8
072 N000400 1
072 O000400 0
072 P000400 0
072 Q000400 0
072 R000400 3
072 S000400 1
072 T000400 0
072 U000400 0
072 V000400 0
072 W000400 0
072 X000400 67
072 Y000400 22
072 Z000400 221
072AA000400 0
072BB000400 0
072CC010400 0
072CC020400 0
072DD010400 221
072DD020400 0
072EE000400 0
073 A010400 0.0418
073 A020400 0.0000
073 B000400 0.0000
073 C000400 0.0000
074 A000400 71
074 B000400 0
074 C000400 6612
074 D000400 0
074 E000400 0
074 F000400 0
074 G000400 0
074 H000400 0
074 I000400 0
074 J000400 0
074 K000400 0
074 L000400 2
074 M000400 0
074 N000400 6685
074 O000400 0
074 P000400 4
074 Q000400 0
074 R010400 0
074 R020400 0
074 R030400 0
074 R040400 4
074 S000400 0
074 T000400 6677
074 U010400 6677
074 U020400 0
<PAGE> PAGE 23
074 V010400 1.00
074 V020400 0.00
074 W000400 0.9998
074 X000400 7
074 Y000400 0
075 A000400 5254
075 B000400 0
076 000400 0.00
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] 12-MOS
[FISCAL-YEAR-END] DEC-31-1999
[PERIOD-END] DEC-31-1999
[INVESTMENTS-AT-COST] 13989915
[INVESTMENTS-AT-VALUE] 20283657
[RECEIVABLES] 11805
[ASSETS-OTHER] 0
[OTHER-ITEMS-ASSETS] 619
[TOTAL-ASSETS] 20296081
[PAYABLE-FOR-SECURITIES] 0
[SENIOR-LONG-TERM-DEBT] 0
[OTHER-ITEMS-LIABILITIES] 19367
[TOTAL-LIABILITIES] 19367
[SENIOR-EQUITY] 0
[PAID-IN-CAPITAL-COMMON] 13795082
[SHARES-COMMON-STOCK] 9837586
[SHARES-COMMON-PRIOR] 8683588
[ACCUMULATED-NII-CURRENT] 2930
[OVERDISTRIBUTION-NII] 0
[ACCUMULATED-NET-GAINS] 86584
[OVERDISTRIBUTION-GAINS] 0
[ACCUM-APPREC-OR-DEPREC] 6293742
[NET-ASSETS] 20276714
[DIVIDEND-INCOME] 171804
[INTEREST-INCOME] 166371
[OTHER-INCOME] 0
[EXPENSES-NET] 151929
[NET-INVESTMENT-INCOME] 186246
[REALIZED-GAINS-CURRENT] 168473
[APPREC-INCREASE-CURRENT] 2259092
[NET-CHANGE-FROM-OPS] 2613811
[EQUALIZATION] 0
[DISTRIBUTIONS-OF-INCOME] 183316
[DISTRIBUTIONS-OF-GAINS] 11639
[DISTRIBUTIONS-OTHER] 0
[NUMBER-OF-SHARES-SOLD] 1702006
[NUMBER-OF-SHARES-REDEEMED] 647985
[SHARES-REINVESTED] 99977
[NET-CHANGE-IN-ASSETS] 4574785
[ACCUMULATED-NII-PRIOR] 0
[ACCUMULATED-GAINS-PRIOR] (70250)
[OVERDISTRIB-NII-PRIOR] 0
[OVERDIST-NET-GAINS-PRIOR] 0
[GROSS-ADVISORY-FEES] 87499
[INTEREST-EXPENSE] 0
[GROSS-EXPENSE] 165119
[AVERAGE-NET-ASSETS] 17559349
[PER-SHARE-NAV-BEGIN] 1.81
[PER-SHARE-NII] 0.02
[PER-SHARE-GAIN-APPREC] 0.25
[PER-SHARE-DIVIDEND] 0.02
[PER-SHARE-DISTRIBUTIONS] 0
[RETURNS-OF-CAPITAL] 0
[PER-SHARE-NAV-END] 2.06
[EXPENSE-RATIO] 0.87<F1>
<FN>
<F1>Expenses for the calculation are net of a reimbursement from Securities
Management and Research, Inc. Without this reimbursement, the ratio of
expenses to average net assets would have been 0.94%.
</FN>
</TABLE>
[ARTICLE] 6
[CIK] 0000867050
[NAME] AMERICAN NATIONAL INVESTMENT ACCOUNTS, INC.
[SERIES]
[NUMBER] 02
[NAME] MANAGED PORTFOLIO
<TABLE>
<S> <C>
[PERIOD-TYPE] 12-MOS
[FISCAL-YEAR-END] DEC-31-1999
[PERIOD-END] DEC-31-1999
[INVESTMENTS-AT-COST] 15845406
[INVESTMENTS-AT-VALUE] 19878539
[RECEIVABLES] 13867
[ASSETS-OTHER] 261
[OTHER-ITEMS-ASSETS] 672
[TOTAL-ASSETS] 19893339
[PAYABLE-FOR-SECURITIES] 0
[SENIOR-LONG-TERM-DEBT] 0
[OTHER-ITEMS-LIABILITIES] 19579
[TOTAL-LIABILITIES] 19579
[SENIOR-EQUITY] 0
[PAID-IN-CAPITAL-COMMON] 15376887
[SHARES-COMMON-STOCK] 10809238
[SHARES-COMMON-PRIOR] 8577638
[ACCUMULATED-NII-CURRENT] 6270
[OVERDISTRIBUTION-NII] 0
[ACCUMULATED-NET-GAINS] 349378
[OVERDISTRIBUTION-GAINS] 0
[ACCUM-APPREC-OR-DEPREC] 4033133
[NET-ASSETS] 19873760
[DIVIDEND-INCOME] 214375
[INTEREST-INCOME] 204307
[OTHER-INCOME] 0
[EXPENSES-NET] 160271
[NET-INVESTMENT-INCOME] 258411
[REALIZED-GAINS-CURRENT] 2045502
[APPREC-INCREASE-CURRENT] 459785
[NET-CHANGE-FROM-OPS] 2763698
[EQUALIZATION] 0
[DISTRIBUTIONS-OF-INCOME] 252141
[DISTRIBUTIONS-OF-GAINS] 1672601
[DISTRIBUTIONS-OTHER] 0
[NUMBER-OF-SHARES-SOLD] 1824138
[NUMBER-OF-SHARES-REDEEMED] 686142
[SHARES-REINVESTED] 1093604
[NET-CHANGE-IN-ASSETS] 4822985
[ACCUMULATED-NII-PRIOR] 0
[ACCUMULATED-GAINS-PRIOR] (23523)
[OVERDISTRIB-NII-PRIOR] 0
[OVERDIST-NET-GAINS-PRIOR] 0
[GROSS-ADVISORY-FEES] 86084
[INTEREST-EXPENSE] 0
[GROSS-EXPENSE] 163575
[AVERAGE-NET-ASSETS] 17323267
[PER-SHARE-NAV-BEGIN] 1.75
[PER-SHARE-NII] 0.03
[PER-SHARE-GAIN-APPREC] 0.26
[PER-SHARE-DIVIDEND] 0.03
[PER-SHARE-DISTRIBUTIONS] 0.17
[RETURNS-OF-CAPITAL] 0
[PER-SHARE-NAV-END] 1.84
[EXPENSE-RATIO] 0.93<F1>
<FN>
<F1>Expenses for the calculation are net of a reimbursement from Securities
Management and Research, Inc. Without this reimbursement, the ratio of
expenses to average net assets would have been 0.94%.
</FN>
</TABLE>
[ARTICLE] 6
[CIK] 0000867050
[NAME] AMERICAN NATIONAL INVESTMENT ACCOUNTS, INC.
[SERIES]
[NUMBER] 03
[NAME] BALANCED PORTFOLIO
<TABLE>
<S> <C>
[PERIOD-TYPE] 12-MOS
[FISCAL-YEAR-END] DEC-31-1999
[PERIOD-END] DEC-31-1999
[INVESTMENTS-AT-COST] 7856555
[INVESTMENTS-AT-VALUE] 9521432
[RECEIVABLES] 52427
[ASSETS-OTHER] 0
[OTHER-ITEMS-ASSETS] 628
[TOTAL-ASSETS] 9574487
[PAYABLE-FOR-SECURITIES] 0
[SENIOR-LONG-TERM-DEBT] 0
[OTHER-ITEMS-LIABILITIES] 11420
[TOTAL-LIABILITIES] 11420
[SENIOR-EQUITY] 0
[PAID-IN-CAPITAL-COMMON] 7800213
[SHARES-COMMON-STOCK] 6287165
[SHARES-COMMON-PRIOR] 5094868
[ACCUMULATED-NII-CURRENT] 5072
[OVERDISTRIBUTION-NII] 0
[ACCUMULATED-NET-GAINS] 30033
[OVERDISTRIBUTION-GAINS] 0
[ACCUM-APPREC-OR-DEPREC] 1664877
[NET-ASSETS] 9563067
[DIVIDEND-INCOME] 52892
[INTEREST-INCOME] 273294
[OTHER-INCOME] 0
[EXPENSES-NET] 77277
[NET-INVESTMENT-INCOME] 248909
[REALIZED-GAINS-CURRENT] 600460
[APPREC-INCREASE-CURRENT] (121519)
[NET-CHANGE-FROM-OPS] 727850
[EQUALIZATION] 0
[DISTRIBUTIONS-OF-INCOME] 243837
[DISTRIBUTIONS-OF-GAINS] 555948
[DISTRIBUTIONS-OTHER] 0
[NUMBER-OF-SHARES-SOLD] 1056670
[NUMBER-OF-SHARES-REDEEMED] 404768
[SHARES-REINVESTED] 540395
[NET-CHANGE-IN-ASSETS] 1735849
[ACCUMULATED-NII-PRIOR] 0
[ACCUMULATED-GAINS-PRIOR] (14479)
[OVERDISTRIB-NII-PRIOR] 0
[OVERDIST-NET-GAINS-PRIOR] 0
[GROSS-ADVISORY-FEES] 43022
[INTEREST-EXPENSE] 0
[GROSS-EXPENSE] 98486
[AVERAGE-NET-ASSETS] 8624982
[PER-SHARE-NAV-BEGIN] 1.54
[PER-SHARE-NII] 0.04
[PER-SHARE-GAIN-APPREC] 0.08
[PER-SHARE-DIVIDEND] 0.04
[PER-SHARE-DISTRIBUTIONS] 0.10
[RETURNS-OF-CAPITAL] 0
[PER-SHARE-NAV-END] 1.52
[EXPENSE-RATIO] 0.90<F1>
<FN>
<F1>Expenses for the calculation are net of a reimbursement from Securities
Management and Research, Inc. Without this reimbursement, the ratio of
expenses to average net assets would have been 1.14%.
</FN>
</TABLE>
[ARTICLE] 6
[CIK] 0000867050
[NAME] AMERICAN NATIONAL INVESTMENT ACCOUNTS, INC.
[SERIES]
[NUMBER] 04
[NAME] MONEY MARKET PORTFOLIO
<TABLE>
<S> <C>
[PERIOD-TYPE] 12-MOS
[FISCAL-YEAR-END] DEC-31-1999
[PERIOD-END] DEC-31-1999
[INVESTMENTS-AT-COST] 6612518
[INVESTMENTS-AT-VALUE] 6612518
[RECEIVABLES] 1627
[ASSETS-OTHER] 379
[OTHER-ITEMS-ASSETS] 70588
[TOTAL-ASSETS] 6685112
[PAYABLE-FOR-SECURITIES] 0
[SENIOR-LONG-TERM-DEBT] 0
[OTHER-ITEMS-LIABILITIES] 8330
[TOTAL-LIABILITIES] 8330
[SENIOR-EQUITY] 0
[PAID-IN-CAPITAL-COMMON] 6610014
[SHARES-COMMON-STOCK] 6676782
[SHARES-COMMON-PRIOR] 4353820
[ACCUMULATED-NII-CURRENT] 0
[OVERDISTRIBUTION-NII] 0
[ACCUMULATED-NET-GAINS] 0
[OVERDISTRIBUTION-GAINS] 0
[ACCUM-APPREC-OR-DEPREC] 0
[NET-ASSETS] 6676782
[DIVIDEND-INCOME] 0
[INTEREST-INCOME] 266277
[OTHER-INCOME] 0
[EXPENSES-NET] 45680
[NET-INVESTMENT-INCOME] 220597
[REALIZED-GAINS-CURRENT] 0
[APPREC-INCREASE-CURRENT] 0
[NET-CHANGE-FROM-OPS] 220597
[EQUALIZATION] 0
[DISTRIBUTIONS-OF-INCOME] 220597
[DISTRIBUTIONS-OF-GAINS] 0
[DISTRIBUTIONS-OTHER] 0
[NUMBER-OF-SHARES-SOLD] 21010546
[NUMBER-OF-SHARES-REDEEMED] 18909221
[SHARES-REINVESTED] 221637
[NET-CHANGE-IN-ASSETS] 2322962
[ACCUMULATED-NII-PRIOR] 0
[ACCUMULATED-GAINS-PRIOR] 0
[OVERDISTRIB-NII-PRIOR] 0
[OVERDIST-NET-GAINS-PRIOR] 0
[GROSS-ADVISORY-FEES] 26129
[INTEREST-EXPENSE] 0
[GROSS-EXPENSE] 67403
[AVERAGE-NET-ASSETS] 5254452
[PER-SHARE-NAV-BEGIN] 1.00
[PER-SHARE-NII] 0.04
[PER-SHARE-GAIN-APPREC] 0
[PER-SHARE-DIVIDEND] 0.04
[PER-SHARE-DISTRIBUTIONS] 0
[RETURNS-OF-CAPITAL] 0
[PER-SHARE-NAV-END] 1.00
[EXPENSE-RATIO] 0.87<F1>
<FN>
<F1>Expenses for the calculation are net of a reimbursement from Securities
Management and Research, Inc. Without this reimbursement, the ratio of
expenses to average net assets would have been 1.28%.
</FN>
</TABLE>
REPORT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS
ON INTERNAL CONTROL STRUCTURE
The Board of Directors
American National Investments Accounts, Inc.
League City, Texas
In planning and performing our audits of the financial statements of ANIA
Growth Portfolio, ANIA Managed Portfolio, ANIA Balanced Portfolio and ANIA
Money Market Portfolio for the year ended December 31, 1999, we considered
their 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 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
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 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 effective-
ness 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 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, 1999.
This report is intended solely for the information and use of management and
the Securities and Exchange Commission, and should not be used for any other
purpose.
Philadelphia, Pennsylvania Tait, Weller and Baker
January 28, 2000