<PAGE> PAGE 1
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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 B000500 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
064 A000600 N
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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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062 F000900 0.0
062 G000900 0.0
062 H000900 0.0
062 I000900 0.0
062 J000900 0.0
062 K000900 0.0
062 L000900 0.0
062 M000900 0.0
062 N000900 0.0
062 O000900 0.0
062 P000900 0.0
062 Q000900 0.0
062 R000900 0.0
063 A000900 0
063 B000900 0.0
066 A000900 Y
066 B000900 N
066 C000900 N
066 D000900 N
066 E000900 N
066 F000900 Y
066 G000900 N
067 000900 N
068 A000900 N
068 B000900 N
069 000900 N
070 A010900 Y
070 A020900 N
070 B010900 Y
070 B020900 N
070 C010900 Y
070 C020900 N
070 D010900 Y
070 D020900 N
070 E010900 Y
070 E020900 N
070 F010900 Y
070 F020900 N
070 G010900 Y
070 G020900 N
070 H010900 Y
070 H020900 N
070 I010900 N
070 I020900 N
070 J010900 N
<PAGE> PAGE 42
070 J020900 N
070 K010900 Y
070 K020900 Y
070 L010900 Y
070 L020900 N
070 M010900 N
070 M020900 N
070 N010900 Y
070 N020900 N
070 O010900 N
070 O020900 N
070 P010900 N
070 P020900 N
070 Q010900 N
070 Q020900 N
070 R010900 N
070 R020900 N
071 A000900 49698
071 B000900 76508
071 C000900 123308
071 D000900 40
072 A000900 12
072 B000900 596
072 C000900 3124
072 D000900 0
072 E000900 0
072 F000900 977
072 G000900 260
072 H000900 0
072 I000900 110
072 J000900 33
072 K000900 0
072 L000900 23
072 M000900 0
072 N000900 7
072 O000900 0
072 P000900 0
072 Q000900 0
072 R000900 10
072 S000900 11
072 T000900 198
072 U000900 2
072 V000900 0
072 W000900 7
072 X000900 1638
072 Y000900 398
072 Z000900 2480
072AA000900 3428
072BB000900 0
072CC010900 5961
072CC020900 0
<PAGE> PAGE 43
072DD010900 1962
072DD020900 0
072EE000900 3667
073 A010900 0.2800
073 A020900 0.0000
073 B000900 0.3900
073 C000900 0.0000
074 A000900 0
074 B000900 0
074 C000900 6012
074 D000900 3282
074 E000900 7745
074 F000900 114893
074 G000900 0
074 H000900 0
074 I000900 0
074 J000900 0
074 K000900 0
074 L000900 0
074 M000900 93
074 N000900 132025
074 O000900 145
074 P000900 0
074 Q000900 0
074 R010900 0
074 R020900 0
074 R030900 0
074 R040900 199
074 S000900 0
074 T000900 131681
074 U010900 6767
074 U020900 0
074 V010900 13.98
074 V020900 0.00
074 W000900 0.0000
074 X000900 3674
074 Y000900 0
075 A000900 0
075 B000900 129501
076 000900 0.00
024 001000 N
028 A011000 1029
028 A021000 0
028 A031000 0
028 A041000 695
028 B011000 2568
028 B021000 0
028 B031000 0
028 B041000 5691
028 C011000 3553
028 C021000 2009
<PAGE> PAGE 44
028 C031000 0
028 C041000 6396
028 D011000 2898
028 D021000 0
028 D031000 0
028 D041000 2370
028 E011000 1762
028 E021000 0
028 E031000 0
028 E041000 1957
028 F011000 1300
028 F021000 1800
028 F031000 0
028 F041000 2172
028 G011000 13110
028 G021000 3809
028 G031000 0
028 G041000 19281
028 H001000 0
029 001000 Y
030 A001000 0
030 B001000 4.00
030 C001000 0.00
031 A001000 0
031 B001000 0
032 001000 0
033 001000 0
034 001000 N
035 001000 0
036 B001000 0
045 001000 Y
046 001000 N
047 001000 Y
048 001000 0.750
048 A011000 0
048 A021000 0.000
048 B011000 0
048 B021000 0.000
048 C011000 0
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048 D011000 0
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048 E011000 0
048 E021000 0.000
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048 F021000 0.000
048 G011000 0
048 G021000 0.000
048 H011000 0
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048 I011000 0
<PAGE> PAGE 45
048 I021000 0.000
048 J011000 0
048 J021000 0.000
048 K011000 0
048 K021000 0.000
058 A001000 N
059 001000 Y
060 A001000 Y
060 B001000 Y
061 001000 1000
062 A001000 N
062 B001000 0.0
062 C001000 0.0
062 D001000 0.0
062 E001000 0.0
062 F001000 0.0
062 G001000 0.0
062 H001000 0.0
062 I001000 0.0
062 J001000 0.0
062 K001000 0.0
062 L001000 0.0
062 M001000 0.0
062 N001000 0.0
062 O001000 0.0
062 P001000 0.0
062 Q001000 0.0
062 R001000 0.0
066 A001000 Y
066 B001000 N
066 C001000 N
066 D001000 N
066 E001000 Y
066 F001000 N
066 G001000 N
067 001000 N
068 A001000 N
068 B001000 N
069 001000 N
070 A011000 Y
070 A021000 Y
070 B011000 Y
070 B021000 N
070 C011000 Y
070 C021000 N
070 D011000 Y
070 D021000 N
070 E011000 Y
070 E021000 N
070 F011000 Y
070 F021000 N
<PAGE> PAGE 46
070 G011000 Y
070 G021000 N
070 H011000 Y
070 H021000 N
070 I011000 N
070 I021000 N
070 J011000 N
070 J021000 N
070 K011000 Y
070 K021000 Y
070 L011000 Y
070 L021000 N
070 M011000 N
070 M021000 N
070 N011000 Y
070 N021000 N
070 O011000 N
070 O021000 N
070 P011000 N
070 P021000 N
070 Q011000 N
070 Q021000 N
070 R011000 N
070 R021000 N
071 A001000 7146
071 B001000 50895
071 C001000 21730
071 D001000 33
072 A001000 12
072 B001000 18
072 C001000 49
072 D001000 0
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072 F001000 160
072 G001000 43
072 H001000 0
072 I001000 39
072 J001000 5
072 K001000 0
072 L001000 4
072 M001000 1
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072 O001000 0
072 P001000 0
072 Q001000 0
072 R001000 3
072 S001000 2
072 T001000 8
072 U001000 1
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072 W001000 0
<PAGE> PAGE 47
072 X001000 268
072 Y001000 90
072 Z001000 -111
072AA001000 14564
072BB001000 0
072CC011000 0
072CC021000 11839
072DD011000 0
072DD021000 0
072EE001000 3927
073 A011000 0.0000
073 A021000 0.0000
073 B001000 4.4300
073 C001000 0.0000
074 A001000 0
074 B001000 0
074 C001000 851
074 D001000 299
074 E001000 0
074 F001000 9893
074 G001000 0
074 H001000 0
074 I001000 0
074 J001000 0
074 K001000 0
074 L001000 0
074 M001000 6
074 N001000 11049
074 O001000 0
074 P001000 0
074 Q001000 0
074 R011000 0
074 R021000 0
074 R031000 0
074 R041000 20
074 S001000 0
074 T001000 11029
074 U011000 1031
074 U021000 0
074 V011000 10.70
074 V021000 0.00
074 W001000 0.0000
074 X001000 75
074 Y001000 0
075 A001000 0
075 B001000 21367
076 001000 0.00
024 001100 Y
025 A001101 MORGAN STANLEY
025 B001101 13-2655998
025 C001101 E
<PAGE> PAGE 48
025 D001101 923
025 A001102 BEAR STEARNS
025 B001102 13-2975144
025 C001102 D
025 D001102 820
028 A011100 2589
028 A021100 190
028 A031100 0
028 A041100 688
028 B011100 2790
028 B021100 0
028 B031100 0
028 B041100 321
028 C011100 2665
028 C021100 116
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028 C041100 2035
028 D011100 1444
028 D021100 201
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028 D041100 1133
028 E011100 2034
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028 E041100 1015
028 F011100 2904
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028 F041100 2481
028 G011100 14426
028 G021100 593
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029 001100 Y
030 A001100 0
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032 001100 0
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034 001100 Y
035 001100 13
036 A001100 Y
036 B001100 0
045 001100 Y
046 001100 N
047 001100 Y
048 001100 0.750
048 A011100 0
<PAGE> PAGE 49
048 A021100 0.000
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048 K011100 0
048 K021100 0.000
058 A001100 N
059 001100 Y
060 A001100 Y
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061 001100 1000
062 A001100 N
062 B001100 0.0
062 C001100 0.0
062 D001100 0.0
062 E001100 0.0
062 F001100 0.0
062 G001100 0.0
062 H001100 0.0
062 I001100 0.0
062 J001100 0.0
062 K001100 0.0
062 L001100 0.0
062 M001100 0.0
062 N001100 0.0
062 O001100 0.0
062 P001100 0.0
062 Q001100 0.0
062 R001100 0.0
063 A001100 0
063 B001100 0.0
066 A001100 Y
066 B001100 N
066 C001100 N
066 D001100 N
066 E001100 Y
<PAGE> PAGE 50
066 F001100 N
066 G001100 N
067 001100 Y
068 A001100 N
068 B001100 N
069 001100 N
070 A011100 Y
070 A021100 N
070 B011100 Y
070 B021100 N
070 C011100 Y
070 C021100 N
070 D011100 Y
070 D021100 N
070 E011100 Y
070 E021100 N
070 F011100 Y
070 F021100 N
070 G011100 Y
070 G021100 N
070 H011100 Y
070 H021100 N
070 I011100 N
070 I021100 N
070 J011100 N
070 J021100 N
070 K011100 Y
070 K021100 Y
070 L011100 Y
070 L021100 Y
070 M011100 N
070 M021100 N
070 N011100 Y
070 N021100 N
070 O011100 N
070 O021100 N
070 P011100 N
070 P021100 N
070 Q011100 N
070 Q021100 N
070 R011100 N
070 R021100 N
071 A001100 38230
071 B001100 21542
071 C001100 49218
071 D001100 44
072 A001100 12
072 B001100 1028
072 C001100 424
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<PAGE> PAGE 51
072 F001100 382
072 G001100 102
072 H001100 0
072 I001100 77
072 J001100 13
072 K001100 0
072 L001100 9
072 M001100 0
072 N001100 5
072 O001100 0
072 P001100 0
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072 R001100 0
072 S001100 9
072 T001100 145
072 U001100 0
072 V001100 0
072 W001100 3
072 X001100 745
072 Y001100 192
072 Z001100 899
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072CC011100 7599
072CC021100 0
072DD011100 0
072DD021100 0
072EE001100 215
073 A011100 0.0000
073 A021100 0.2200
073 B001100 0.0500
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074 A001100 0
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074 C001100 298
074 D001100 19005
074 E001100 0
074 F001100 43530
074 G001100 0
074 H001100 0
074 I001100 0
074 J001100 0
074 K001100 0
074 L001100 0
074 M001100 825
074 N001100 63658
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<PAGE> PAGE 52
074 R031100 0
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074 T001100 63658
074 U011100 0
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074 V021100 0.00
074 W001100 0.0000
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075 B001100 50982
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024 001200 N
028 A011200 112
028 A021200 0
028 A031200 0
028 A041200 188
028 B011200 261
028 B021200 0
028 B031200 0
028 B041200 1189
028 C011200 5100
028 C021200 25
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028 C041200 278
028 D011200 315
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028 D041200 89
028 E011200 363
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028 E041200 192
028 F011200 837
028 F021200 0
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028 F041200 442
028 G011200 6988
028 G021200 25
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028 G041200 2378
028 H001200 145
029 001200 Y
030 A001200 0
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<PAGE> PAGE 53
033 001200 0
034 001200 Y
035 001200 1
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045 001200 Y
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047 001200 Y
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048 E011200 0
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058 A001200 N
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062 D001200 0.0
062 E001200 0.0
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062 G001200 0.0
062 H001200 0.0
062 I001200 0.0
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062 K001200 0.0
062 L001200 0.0
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<PAGE> PAGE 54
062 P001200 0.0
062 Q001200 0.0
062 R001200 0.0
066 A001200 Y
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066 D001200 N
066 E001200 N
066 F001200 N
066 G001200 N
067 001200 N
068 A001200 N
068 B001200 Y
069 001200 N
070 A011200 Y
070 A021200 Y
070 B011200 Y
070 B021200 N
070 C011200 Y
070 C021200 N
070 D011200 Y
070 D021200 N
070 E011200 Y
070 E021200 N
070 F011200 Y
070 F021200 N
070 G011200 Y
070 G021200 N
070 H011200 Y
070 H021200 N
070 I011200 N
070 I021200 N
070 J011200 Y
070 J021200 Y
070 K011200 Y
070 K021200 N
070 L011200 Y
070 L021200 Y
070 M011200 Y
070 M021200 Y
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070 O021200 N
070 P011200 N
070 P021200 N
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070 Q021200 N
070 R011200 N
070 R021200 N
071 A001200 19178
<PAGE> PAGE 55
071 B001200 16636
071 C001200 14367
071 D001200 116
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072 O001200 0
072 P001200 0
072 Q001200 0
072 R001200 0
072 S001200 0
072 T001200 4
072 U001200 3
072 V001200 0
072 W001200 3
072 X001200 276
072 Y001200 35
072 Z001200 62
072AA001200 0
072BB001200 194
072CC011200 1941
072CC021200 0
072DD011200 25
072DD021200 1
072EE001200 18
073 A011200 0.0100
073 A021200 0.0100
073 B001200 0.0100
073 C001200 0.0000
074 A001200 0
074 B001200 0
074 C001200 1353
074 D001200 0
074 E001200 429
074 F001200 18013
074 G001200 0
074 H001200 0
074 I001200 0
074 J001200 0
074 K001200 0
<PAGE> PAGE 56
074 L001200 0
074 M001200 5
074 N001200 19800
074 O001200 0
074 P001200 0
074 Q001200 0
074 R011200 0
074 R021200 0
074 R031200 0
074 R041200 0
074 S001200 0
074 T001200 19800
074 U011200 1762
074 U021200 51
074 V011200 11.24
074 V021200 11.20
074 W001200 0.0000
074 X001200 383
074 Y001200 0
075 A001200 0
075 B001200 15847
076 001200 0.00
024 002300 N
028 A012300 107
028 A022300 3
028 A032300 0
028 A042300 664
028 B012300 80
028 B022300 4
028 B032300 0
028 B042300 601
028 C012300 344
028 C022300 25
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028 D012300 217
028 D022300 4
028 D032300 0
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028 E012300 212
028 E022300 3
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028 F012300 365
028 F022300 235
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028 G012300 1325
028 G022300 274
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028 G042300 3113
<PAGE> PAGE 57
028 H002300 73
029 002300 Y
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036 B002300 0
045 002300 Y
046 002300 N
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<PAGE> PAGE 58
062 I002300 0.0
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062 O002300 98.8
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066 A002300 N
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068 A002300 N
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070 B022300 N
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070 D012300 Y
070 D022300 N
070 E012300 Y
070 E022300 N
070 F012300 Y
070 F022300 N
070 G012300 Y
070 G022300 N
070 H012300 Y
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070 I012300 N
070 I022300 N
070 J012300 N
070 J022300 N
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070 M022300 N
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070 O022300 N
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<PAGE> PAGE 59
070 Q012300 N
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072EE002300 733
073 A012300 0.4400
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<PAGE> PAGE 60
074 G002300 0
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074 N002300 38260
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074 V012300 10.26
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024 002400 N
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<PAGE> PAGE 61
028 F042400 0
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<PAGE> PAGE 62
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<PAGE> PAGE 63
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<PAGE> PAGE 64
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<PAGE> PAGE 65
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<PAGE> PAGE 66
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<PAGE> PAGE 67
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<PAGE> PAGE 68
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<PAGE> PAGE 69
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<PAGE> PAGE 70
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<PAGE> PAGE 71
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<PAGE> PAGE 72
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<PAGE> PAGE 73
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<PAGE> PAGE 74
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<PAGE> PAGE 75
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<PAGE> PAGE 76
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<PAGE> PAGE 77
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<PAGE> PAGE 78
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<PAGE> PAGE 79
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<PAGE> PAGE 80
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<PAGE> PAGE 81
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<PAGE> PAGE 82
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<NAME> PENNSYLVANIA MUNICIPAL SECURITIES INSTITUTIONAL CLASS
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<NAME> PENNSYLVANIA MUNICIPAL SECURITIES RETAIL 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> 250
<NAME> U.S. TREASURY SECURITIES PLUS MONEY MARKET INSTITUTIONAL
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<CIK> 0000882303
<NAME> PILLAR FUNDS
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<NAME> EQUITY GROWTH INSTITUTIONAL CLASS
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<CIK> 0000882303
<NAME> PILLAR FUNDS
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<NAME> EQUITY GROWTH RETAIL A
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<CIK> 0000882303
<NAME> PILLAR FUNDS
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<NAME> EQUITY GROWTH RETAIL B
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<NAME> INSTITUTIONAL SELECT MONEY MARKET INSTITUTIONAL CLASS
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<NAME> EQUITY INDEX INSTITUTIONAL CLASS
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<TABLE> <S> <C>
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<CIK> 0000882303
<NAME> PILLAR FUNDS
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<NAME> EQUITY INDEX RETAIL A
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<TABLE> <S> <C>
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<NAME> PILLAR FUNDS
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<NAME> HIGH YIELD BOND INSTITUTIONAL CLASS
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<NAME> PILLAR FUNDS
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</TABLE>
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<NAME> PILLAR FUNDS
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<NAME> HIGH YIELD BOND RETAIL B
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</TABLE>
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, 1998, we considered its
internal control, including control 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 internal control.
The management of The Pillar Funds is responsible for establishing and
maintaining internal control. In fulfilling this responsibility, estimates and
judgments by management are required to assess the expected benefits and
related costs of controls activities. Generally, controls 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 controls include the
safeguarding of assets against unauthorized acquisition, use or disposition.
Because of inherent limitations in internal control, errors or fraud 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 control would not necessarily disclose all
matters in internal control 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 one or
more of the internal control components does not reduce to a relatively low
level the risk that errors or fraud in amounts that would be material in
relationto 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 control and its operation, including procedures for safeguarding
securities, that we consider to be material weaknesses as defined above as of
December 31, 1998.
This report is intended solely for the information and use of management, the
Board of Trustees of The Pillar Funds, and the Securities and Exchange
Commission.
ARTHUR ANDERSEN LLP
Philadelphia, PA
February 12, 1999
