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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 10
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<PAGE> PAGE 13
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<PAGE> PAGE 14
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<PAGE> PAGE 16
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<PAGE> PAGE 17
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<PAGE> PAGE 19
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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
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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
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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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<PAGE> PAGE 37
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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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<TABLE> <S> <C>
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<NAME> PILLAR FUNDS
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<NAME> TAX EXEMPT MONEY MARKET CLASS I
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<TABLE> <S> <C>
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<CIK> 0000882303
<NAME> PILLAR FUNDS
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<NAME> TAX EXEMPT MONEY MARKET CLASS A
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<S> <C>
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<TABLE> <S> <C>
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<CIK> 0000882303
<NAME> PILLAR FUNDS
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<NUMBER> 040
<NAME> SHORT TERM CLASS I
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<S> <C>
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<TABLE> <S> <C>
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<CIK> 0000882303
<NAME> PILLAR FUNDS
<SERIES>
<NUMBER> 041
<NAME> SHORT TERM CLASS A
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<S> <C>
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<FISCAL-YEAR-END> DEC-31-1998
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<TABLE> <S> <C>
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<CIK> 0000882303
<NAME> PILLAR FUNDS
<SERIES>
<NUMBER> 050
<NAME> FIXED INCOME CLASS I
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<S> <C>
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<TABLE> <S> <C>
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<CIK> 0000882303
<NAME> PILLAR FUNDS
<SERIES>
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<NAME> FIXED INCOME CLASS A
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<S> <C>
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<CIK> 0000882303
<NAME> PILLAR FUNDS
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<NAME> FIXED INCOME CLASS B
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<CIK> 0000882303
<NAME> PILLAR FUNDS
<SERIES>
<NUMBER> 060
<NAME> NEW JERSEY MUNICIPAL CLASS I
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<S> <C>
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