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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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SIGNATURE DIANNA J. ROSENBERGER
TITLE CFO AND TREASURER
McCURDY & ASSOCIATES CPA's, INC.
27955 Clemens Road
Westlake, Ohio 44145
Phone: (216) 835-8500
Fax: (216) 835-1093
INDEPENDENT AUDITOR'S REPORT
TO THE SHAREHOLDERS AND BOARD OF TRUSTEES
JOHNSON MUTUAL FUNDS TRUST
We have audited the statements of assets and liabilities, including
the portfolios of investments, of the Johnson Mutual Funds Trust
(comprising, respectively, of the Growth Fund, the Fixed Income Fund,
the Municipal Income Fund, and the Opportunity Fund) as of
December 31, 1996, and the related statements of operations, the
statements of changes in net assets, and the financial highlights
for each of the periods indicated. These financial statements and
financial highlights are the responsibility of the Fund's
management. Our responsibility is to express an opinion on these
financial statements and financial highlights based on our audits.
We conducted our audits in accordance with generally accepted
auditing standards. Those standards require that we plan and
perform the audit to obtain reasonable assurance about whether the
financial statements and financial highlights are free of material
misstatement. An audit includes examining, on a test basis, evidence
supporting the amounts and disclosures in the financial statements.
Our procedures included confirmation of securities owned as of
December 31, 1996 by correspondence with the custodian. An audit
also includes assessing the accounting principles used and
significant estimates made by management, as well as evaluating the
overall financial statement presentation. We believe that our
audits provide a reasonable basis for our opinion.
In our opinion, the financial statements and financial highlights
referred to above present fairly, in all material respects, the
financial position of each of the respective portfolios
constituting the Johnson Mutual Funds Trust as of December 31, 1996,
the results of their operations, the changes in their net assets,
and the financial highlights for the periods indicated in conformity
with generally accepted accounting principles.
/s/ McCurdy & Associates, CPA's, Inc.
McCurdy & Associates, CPA's, Inc.
Westlake, Ohio 44145
January 22, 1997
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
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