<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 051
<NAME> GROWTH & INCOME FUND
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<INVESTMENTS-AT-COST> 11,935,722
<INVESTMENTS-AT-VALUE> 12,980,356
<RECEIVABLES> 32,098
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 6,839
<TOTAL-ASSETS> 13,019,293
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 26,778
<TOTAL-LIABILITIES> 26,778
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 12,044,673
<SHARES-COMMON-STOCK> 1,178,334
<SHARES-COMMON-PRIOR> 1,143,071
<ACCUMULATED-NII-CURRENT> 1,669
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 98,461
<ACCUM-APPREC-OR-DEPREC> 1,044,634
<NET-ASSETS> 12,992,515
<DIVIDEND-INCOME> 90,936
<INTEREST-INCOME> 18,415
<OTHER-INCOME> 0
<EXPENSES-NET> 88,599
<NET-INVESTMENT-INCOME> 20,752
<REALIZED-GAINS-CURRENT> 17,917
<APPREC-INCREASE-CURRENT> 151,984
<NET-CHANGE-FROM-OPS> 190,653
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (18,966)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 108,306
<NUMBER-OF-SHARES-REDEEMED> 75,271
<SHARES-REINVESTED> 2,228
<NET-CHANGE-IN-ASSETS> 568,710
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 117
<OVERDIST-NET-GAINS-PRIOR> 116,378
<GROSS-ADVISORY-FEES> 47,518
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 88,599
<AVERAGE-NET-ASSETS> 12,744,342
<PER-SHARE-NAV-BEGIN> 10.87
<PER-SHARE-NII> 0.02
<PER-SHARE-GAIN-APPREC> 0.16
<PER-SHARE-DIVIDEND> (0.02)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 11.03
<EXPENSE-RATIO> 1.40
</TABLE>
