<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 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
070 P010700 N
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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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SIGNATURE CHRIS SALFI
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<EXPENSE-RATIO> 1.95
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000882303
<NAME> PILLAR
<SERIES>
<NUMBER> 260
<NAME> EQUITY GROWTH INST CLASS
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-01-1999
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<SHARES-COMMON-STOCK> 20184
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<OVERDISTRIB-NII-PRIOR> (3)
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<PER-SHARE-NII> (0.04)
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<PER-SHARE-NAV-END> 14.34
<EXPENSE-RATIO> 0.94
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000882303
<NAME> PILLAR
<SERIES>
<NUMBER> 261
<NAME> EQUITY GROWTH RETAIL CLASS A
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-01-1999
<PERIOD-END> DEC-31-1999
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<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 194718
<SHARES-COMMON-STOCK> 380
<SHARES-COMMON-PRIOR> 316
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<OVERDISTRIBUTION-GAINS> (29632)
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<NET-INVESTMENT-INCOME> (895)
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<APPREC-INCREASE-CURRENT> 75515
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<NUMBER-OF-SHARES-SOLD> 2032
<NUMBER-OF-SHARES-REDEEMED> (1972)
<SHARES-REINVESTED> 774
<NET-CHANGE-IN-ASSETS> 1742
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<PER-SHARE-NII> (0.07)
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<PER-SHARE-NAV-END> 14.15
<EXPENSE-RATIO> 1.19
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000882303
<NAME> PILLAR
<SERIES>
<NUMBER> 262
<NAME> EQUITY GROWTH RETAIL CLASS B
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-01-1999
<PERIOD-END> DEC-31-1999
<INVESTMENTS-AT-COST> 161423
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<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 194718
<SHARES-COMMON-STOCK> 1691
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<NET-INVESTMENT-INCOME> (895)
<REALIZED-GAINS-CURRENT> 30254
<APPREC-INCREASE-CURRENT> 75515
<NET-CHANGE-FROM-OPS> 104874
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<PER-SHARE-NAV-BEGIN> 11.41
<PER-SHARE-NII> (0.10)
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000882303
<NAME> PILLAR
<SERIES>
<NUMBER> 280
<NAME> EQUITY INDEX INST. CLASS
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-01-1999
<PERIOD-END> DEC-31-1999
<INVESTMENTS-AT-COST> 26875
<INVESTMENTS-AT-VALUE> 30675
<RECEIVABLES> 0
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 319
<TOTAL-ASSETS> 30994
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 112
<TOTAL-LIABILITIES> 112
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 26892
<SHARES-COMMON-STOCK> 493
<SHARES-COMMON-PRIOR> 58
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> (18)
<ACCUMULATED-NET-GAINS> 161
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 3801
<NET-ASSETS> 30882
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 257
<OTHER-INCOME> 0
<EXPENSES-NET> (295)
<NET-INVESTMENT-INCOME> (38)
<REALIZED-GAINS-CURRENT> 163
<APPREC-INCREASE-CURRENT> 3390
<NET-CHANGE-FROM-OPS> 3515
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> (10)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 5504
<NUMBER-OF-SHARES-REDEEMED> (378)
<SHARES-REINVESTED> 10
<NET-CHANGE-IN-ASSETS> 5798
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 24
<OVERDISTRIB-NII-PRIOR> (2)
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 210
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 364
<AVERAGE-NET-ASSETS> 18770
<PER-SHARE-NAV-BEGIN> 12.01
<PER-SHARE-NII> 0.050
<PER-SHARE-GAIN-APPREC> 2.32
<PER-SHARE-DIVIDEND> 0.00
<PER-SHARE-DISTRIBUTIONS> (0.03)
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 14.35
<EXPENSE-RATIO> 0.80
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000882303
<NAME> PILLAR
<SERIES>
<NUMBER> 281
<NAME> EQUITY INDEX RETAIL A
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-01-1999
<PERIOD-END> DEC-31-1999
<INVESTMENTS-AT-COST> 26875
<INVESTMENTS-AT-VALUE> 30675
<RECEIVABLES> 0
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 319
<TOTAL-ASSETS> 30994
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 112
<TOTAL-LIABILITIES> 112
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 26982
<SHARES-COMMON-STOCK> 106
<SHARES-COMMON-PRIOR> 40
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> (18)
<ACCUMULATED-NET-GAINS> 161
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 3801
<NET-ASSETS> 30882
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 257
<OTHER-INCOME> 0
<EXPENSES-NET> (295)
<NET-INVESTMENT-INCOME> (38)
<REALIZED-GAINS-CURRENT> 163
<APPREC-INCREASE-CURRENT> 3390
<NET-CHANGE-FROM-OPS> 3515
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> (3)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 1087
<NUMBER-OF-SHARES-REDEEMED> (271)
<SHARES-REINVESTED> 3
<NET-CHANGE-IN-ASSETS> 1029
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 24
<OVERDISTRIB-NII-PRIOR> (2)
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 210
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 364
<AVERAGE-NET-ASSETS> 18770
<PER-SHARE-NAV-BEGIN> 11.93
<PER-SHARE-NII> 0.040
<PER-SHARE-GAIN-APPREC> 2.26
<PER-SHARE-DIVIDEND> 0.00
<PER-SHARE-DISTRIBUTIONS> (0.03)
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 14.20
<EXPENSE-RATIO> 1.05
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000882303
<NAME> PILLAR
<SERIES>
<NUMBER> 282
<NAME> EQUITY INDEX RETAIL CLASS B
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-01-1999
<PERIOD-END> DEC-31-1999
<INVESTMENTS-AT-COST> 26875
<INVESTMENTS-AT-VALUE> 30675
<RECEIVABLES> 0
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 319
<TOTAL-ASSETS> 30994
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 112
<TOTAL-LIABILITIES> 112
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 26982
<SHARES-COMMON-STOCK> 1620
<SHARES-COMMON-PRIOR> 436
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> (18)
<ACCUMULATED-NET-GAINS> 161
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 3801
<NET-ASSETS> 30882
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 257
<OTHER-INCOME> 0
<EXPENSES-NET> (295)
<NET-INVESTMENT-INCOME> (38)
<REALIZED-GAINS-CURRENT> 163
<APPREC-INCREASE-CURRENT> 3390
<NET-CHANGE-FROM-OPS> 3515
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> (34)
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<NUMBER-OF-SHARES-SOLD> 16956
<NUMBER-OF-SHARES-REDEEMED> (1919)
<SHARES-REINVESTED> 34
<NET-CHANGE-IN-ASSETS> 17667
<ACCUMULATED-NII-PRIOR> 0
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<OVERDISTRIB-NII-PRIOR> (2)
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 210
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 364
<AVERAGE-NET-ASSETS> 18770
<PER-SHARE-NAV-BEGIN> 11.94
<PER-SHARE-NII> (0.02)
<PER-SHARE-GAIN-APPREC> 2.23
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<PER-SHARE-DISTRIBUTIONS> (0.03)
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 14.12
<EXPENSE-RATIO> 1.80
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000882303
<NAME> PILLAR
<SERIES>
<NUMBER> 010
<NAME> U.S. TREASURY SECURITIES MONEY MARKET FUND INST. CLASS
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-01-1999
<PERIOD-END> DEC-31-1999
<INVESTMENTS-AT-COST> 954589
<INVESTMENTS-AT-VALUE> 954589
<RECEIVABLES> 8749
<ASSETS-OTHER> 81
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<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 6583
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<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 956822
<SHARES-COMMON-STOCK> 838223
<SHARES-COMMON-PRIOR> 802608
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<OVERDISTRIBUTION-NII> 0
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<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 956836
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 43656
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<EXPENSES-NET> (6020)
<NET-INVESTMENT-INCOME> 37636
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<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 37634
<EQUALIZATION> 0
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<NUMBER-OF-SHARES-SOLD> 1803403
<NUMBER-OF-SHARES-REDEEMED> (1767995)
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000882303
<NAME> PILLAR
<SERIES>
<NUMBER> 011
<NAME> U.S. TREASURY SECURITIES MONEY MARKET FUND RETAIL CLASS A
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
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<OTHER-ITEMS-LIABILITIES> 6583
<TOTAL-LIABILITIES> 6583
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 956822
<SHARES-COMMON-STOCK> 118599
<SHARES-COMMON-PRIOR> 68407
<ACCUMULATED-NII-CURRENT> 16
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<OVERDISTRIBUTION-GAINS> (2)
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<NUMBER-OF-SHARES-SOLD> 169750
<NUMBER-OF-SHARES-REDEEMED> (119657)
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000882303
<NAME> PILLAR
<SERIES>
<NUMBER> 020
<NAME> PRIME OBLIGATIONS MONEY MARKET FUND INST. CLASS
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-01-1999
<PERIOD-END> DEC-31-1999
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<NET-CHANGE-IN-ASSETS> (5659)
<ACCUMULATED-NII-PRIOR> 1
<ACCUMULATED-GAINS-PRIOR> 107
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 264
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 336
<AVERAGE-NET-ASSETS> 35545
<PER-SHARE-NAV-BEGIN> 10.26
<PER-SHARE-NII> 0.43
<PER-SHARE-GAIN-APPREC> (1.13)
<PER-SHARE-DIVIDEND> (0.43)
<PER-SHARE-DISTRIBUTIONS> (0.10)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 9.03
<EXPENSE-RATIO> 0.80
</TABLE>
REPORT OF INDEPENDENT PUBLIC
A
CCO
UNTANTS
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, 1999, we
considered its internal control, including activities for safeguard
ing
securities, in order to determine our auditing activities 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 establi
shing and maintaining internal control. In fulfilling this respon
sibility, estimates and judgments by management are required
to assess the expected benefits and related costs of controls.
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, error 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 disclos
e
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 com
ponents does not reduce to a relatively low level the risk that missta
tements caused by error or fraud in amounts that would be materi
al
in relation to the financial statements being audited may occur an
d
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
controls for safeguarding securities, that we consider to be materi
al
weaknesses as defined above as of December 31, 1999.
This report is intended solely for the information and use of mana
gement, the Board of Trustees of The Pillar Funds, and the Securit
ies and Exchange Commission.
ARTHUR ANDERSEN LLP
Philadelphia, Pennsylvania
February 18, 2000
