<PAGE> PAGE 1
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007 C010300 3
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007 C010600 6
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<PAGE> PAGE 2
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<PAGE> PAGE 3
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<PAGE> PAGE 4
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<PAGE> PAGE 5
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<PAGE> PAGE 6
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<PAGE> PAGE 7
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<PAGE> PAGE 8
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<PAGE> PAGE 9
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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 17
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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 22
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<PAGE> PAGE 23
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<PAGE> PAGE 24
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<PAGE> PAGE 25
068 B000800 N
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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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<PAGE> PAGE 29
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<PAGE> PAGE 30
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<PAGE> PAGE 31
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<PAGE> PAGE 32
028 B031100 0
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<PAGE> PAGE 33
066 D001100 N
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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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<PAGE> PAGE 37
070 J011200 N
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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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SIGNATURE STEPHEN G. MEYER
TITLE CONTROLLER
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REPORT OF INDEPENDENT PUBLIC ACCOUNTANTS
To the Board of Trustees
of The Pillar Funds:
In planning and performing our audit of the financial
statements of The Pillar Funds for the year ended December
31, 1997, we considered its internal controls, including control
activities 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 internal controls.
The management of The Pillar Funds is responsible for
establishing and maintaining internal controls. In fulfilling
this responsibility, estimates and judgments by management
are required to assess the expected benefits and related costs
of control activities. Generally, control activities that are
relevant to an audit pertain to the entity's objective of preparing
financial statements for external purposes that are fairly
presented in conformity with generally accepted accounting
principles. Those control activities include the safeguarding
of assets against unauthorized acquisition, use or disposition.
Because of inherent limitations in internal controls, errors or
irregularities may occur and not be detected. Also, projection
of any evaluation of internal control 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 internal controls would not necessarily
disclose all matters in internal controls 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 any specific
internal control components 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
internal controls, including control activities for safeguarding
securities, that we consider to be material weaknesses as
defined above as of December 31, 1997.
This report is intended solely for the information and use of
management and the Securities and Exchange Commission.
ARTHUR ANDERSEN LLP
Philadelphia, PA
February 6, 1998
