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<PAGE> PAGE 7
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<PAGE> PAGE 10
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<PAGE> PAGE 11
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<PAGE> PAGE 13
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<PAGE> PAGE 16
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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 25
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<PAGE> PAGE 26
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<PAGE> PAGE 27
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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 39
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<PAGE> PAGE 40
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<PAGE> PAGE 41
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<PAGE> PAGE 42
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<PAGE> PAGE 43
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<PAGE> PAGE 44
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SIGNATURE ANN BONSTEEL
TITLE ATTORNEY
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<NAME> CALIFORNIA TAX-FREE MONEY MARKET MUTUAL FUND
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<NAME> CALIFORNIA TAX-FREE BOND FUND CLASS A
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<NAME> CALIFORNIA TAX-FREE BOND FUND CLASS B
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<NAME> ASSET ALLOCATION FUND CLASS A
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<NAME> ASSET ALLOCATION FUND CLASS B
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<NAME> VARIABLE RATE GOVERNMENT FUND
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<NAME> GINNIE MAE FUND CLASS A
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<NAME> GINNIE MAE FUND CLASS B
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 061
<NAME> GROWTH AND INCOME FUND CLASS A
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-START> JAN-01-1995
<PERIOD-END> JUN-30-1995
<INVESTMENTS-AT-COST> 133364507
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<SHARES-COMMON-STOCK> 9206846
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<ACCUMULATED-NET-GAINS> 1999965
<OVERDISTRIBUTION-GAINS> 0
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<NET-ASSETS> 152147286
<DIVIDEND-INCOME> 1542375
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<EXPENSES-NET> (751993)
<NET-INVESTMENT-INCOME> 1022845
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<NUMBER-OF-SHARES-SOLD> 1992564
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 062
<NAME> GROWTH AND INCOME FUND CLASS B
<S> <C>
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<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-START> JAN-01-1995
<PERIOD-END> JUN-30-1995
<INVESTMENTS-AT-COST> 133364507
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<ACCUMULATED-NET-GAINS> 1999965
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 21519353
<NET-ASSETS> 152147286
<DIVIDEND-INCOME> 1542375
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<OTHER-INCOME> 0
<EXPENSES-NET> (751993)
<NET-INVESTMENT-INCOME> 1022845
<REALIZED-GAINS-CURRENT> 1999965
<APPREC-INCREASE-CURRENT> 17821456
<NET-CHANGE-FROM-OPS> 20844266
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (3953)
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<NUMBER-OF-SHARES-SOLD> 130697
<NUMBER-OF-SHARES-REDEEMED> 7416
<SHARES-REINVESTED> 72
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<ACCUMULATED-NII-PRIOR> 0
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<GROSS-EXPENSE> 754455
<AVERAGE-NET-ASSETS> 132545000
<PER-SHARE-NAV-BEGIN> 14.10
<PER-SHARE-NII> 0.04
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 071
<NAME> U.S. GOVERNMENT ALLOCATION FUND CLASS A
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-START> JAN-01-1995
<PERIOD-END> JUN-30-1995
<INVESTMENTS-AT-COST> 133695316
<INVESTMENTS-AT-VALUE> 136141086
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<TOTAL-ASSETS> 137206578
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<OTHER-ITEMS-LIABILITIES> 712830
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<PAID-IN-CAPITAL-COMMON> 159390476
<SHARES-COMMON-STOCK> 9126550
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<ACCUMULATED-NII-CURRENT> 0
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<ACCUMULATED-NET-GAINS> (25342498)
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<ACCUM-APPREC-OR-DEPREC> 2445770
<NET-ASSETS> 136493748
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<EXPENSES-NET> (709459)
<NET-INVESTMENT-INCOME> 4064715
<REALIZED-GAINS-CURRENT> (1682972)
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<DISTRIBUTIONS-OF-INCOME> (4039146)
<DISTRIBUTIONS-OF-GAINS> 0
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<NUMBER-OF-SHARES-SOLD> 582150
<NUMBER-OF-SHARES-REDEEMED> 1876464
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<NET-CHANGE-IN-ASSETS> (3572130)
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (23621944)
<OVERDISTRIB-NII-PRIOR> 0
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<GROSS-ADVISORY-FEES> 338743
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<GROSS-EXPENSE> 713919
<AVERAGE-NET-ASSETS> 136611000
<PER-SHARE-NAV-BEGIN> 13.76
<PER-SHARE-NII> 0.40
<PER-SHARE-GAIN-APPREC> 0.97
<PER-SHARE-DIVIDEND> (0.40)
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<PER-SHARE-NAV-END> 14.73
<EXPENSE-RATIO> 1.04
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 072
<NAME> U.S. GOVERNMENT ALLOCATION FUND CLASS B
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-START> JAN-01-1995
<PERIOD-END> JUN-30-1995
<INVESTMENTS-AT-COST> 133695316
<INVESTMENTS-AT-VALUE> 136141086
<RECEIVABLES> 1009068
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<TOTAL-ASSETS> 137206578
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<OTHER-ITEMS-LIABILITIES> 712830
<TOTAL-LIABILITIES> 712830
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<PAID-IN-CAPITAL-COMMON> 159390476
<SHARES-COMMON-STOCK> 187905
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<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (25342498)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 2445770
<NET-ASSETS> 136493748
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 4774174
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<EXPENSES-NET> (709459)
<NET-INVESTMENT-INCOME> 4064715
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<APPREC-INCREASE-CURRENT> 10984102
<NET-CHANGE-FROM-OPS> 13365845
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (25569)
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<NUMBER-OF-SHARES-SOLD> 186950
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<SHARES-REINVESTED> 955
<NET-CHANGE-IN-ASSETS> (3572130)
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (23621944)
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<GROSS-EXPENSE> 713919
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<PER-SHARE-NAV-BEGIN> 10.00
<PER-SHARE-NII> 0.23
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<PER-SHARE-DIVIDEND> (0.23)
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<PER-SHARE-NAV-END> 10.73
<EXPENSE-RATIO> 1.62
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 8
<NAME> CORPORATE STOCK FUND
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-START> JAN-01-1995
<PERIOD-END> JUN-30-1995
<INVESTMENTS-AT-COST> 184081350
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<OTHER-ITEMS-LIABILITIES> 1617231
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<ACCUMULATED-NET-GAINS> 3732616
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<NET-ASSETS> 286805649
<DIVIDEND-INCOME> 3519105
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<EXPENSES-NET> (1249752)
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<DISTRIBUTIONS-OF-INCOME> (2317484)
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<NUMBER-OF-SHARES-SOLD> 634175
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<ACCUMULATED-NII-PRIOR> 0
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<GROSS-EXPENSE> 1254110
<AVERAGE-NET-ASSETS> 263968000
<PER-SHARE-NAV-BEGIN> 31.42
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<PER-SHARE-NAV-END> 37.23
<EXPENSE-RATIO> 0.95
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 091
<NAME> MONEY MARKET MUTUAL FUND CLASS A
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-START> JAN-01-1995
<PERIOD-END> JUN-30-1995
<INVESTMENTS-AT-COST> 3175025137
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<TOTAL-ASSETS> 3179106463
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<OTHER-ITEMS-LIABILITIES> 16703307
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<PAID-IN-CAPITAL-COMMON> 3162491967
<SHARES-COMMON-STOCK> 3162433355
<SHARES-COMMON-PRIOR> 2344027557
<ACCUMULATED-NII-CURRENT> 0
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<ACCUMULATED-NET-GAINS> (88811)
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<DIVIDEND-INCOME> 0
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<EXPENSES-NET> (10921213)
<NET-INVESTMENT-INCOME> 78047136
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<NUMBER-OF-SHARES-SOLD> 1460857852
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<GROSS-EXPENSE> 12311304
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<PER-SHARE-NAV-BEGIN> 1.00
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<PER-SHARE-DIVIDEND> (0.03)
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<PER-SHARE-NAV-END> 1.00
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 09
<NAME> MONEY MARKET MUTUAL FUND CLASS S
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-START> JAN-01-1995
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<INVESTMENTS-AT-COST> 3175025137
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<ACCUMULATED-NET-GAINS> (88811)
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<DISTRIBUTIONS-OF-INCOME> (61)
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 101
<NAME> DIVERSIFIED INCOME FUND CLASS A
<S> <C>
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<FISCAL-YEAR-END> DEC-31-1995
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<ACCUMULATED-NET-GAINS> (11889)
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<EXPENSES-NET> (287269)
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<NUMBER-OF-SHARES-SOLD> 1366386
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<EXPENSE-RATIO> 0.21
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 102
<NAME> DIVERSIFIED INCOME FUND CLASS B
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1995
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