<PAGE> PAGE 1
000 B000000 03/31/99
000 C000000 0000895645
000 D000000 N
000 E000000 NF
000 F000000 Y
000 G000000 N
000 H000000 N
000 I000000 3.0.a
000 J000000 U
001 A000000 THE SANTA BARBARA GROUP OF MUTUAL FUNDS, INC.
001 B000000 811-07414
001 C000000 6268441446
002 A000000 107 SOUTH FAIR OAKS BLVD, SUITE 315
002 B000000 PASADENA
002 C000000 CA
002 D010000 91105
003 000000 N
004 000000 N
005 000000 N
006 000000 N
007 A000000 Y
007 B000000 1
007 C010100 1
007 C020100 BENDER GROWTH FUND
007 C030100 N
007 C010200 2
007 C010300 3
007 C010400 4
007 C010500 5
007 C010600 6
007 C010700 7
007 C010800 8
007 C010900 9
007 C011000 10
020 A000001 EVEREN SECURITIES
020 B000001 34-1542819
020 C000001 5
020 A000002 WEDBUSH, MORGAN SECURITIES
020 B000002 95-2495390
020 C000002 2
020 A000003 RAUSHER PIERCE
020 C000003 1
020 A000004 STEPHEN INC.
020 B000004 71-0211822
020 C000004 1
020 A000005 FFP SECURITIES
020 B000005 43-1366217
020 C000005 1
020 A000006 HAMBRECHT & QUIST
020 B000006 94-3220242
020 C000006 1
<PAGE> PAGE 2
020 A000007 MORGAN, STANLEY
020 B000007 13-2655998
020 C000007 1
020 A000008 DONALDSON, LUFKIN, JENRETTE
020 B000008 13-2741729
020 C000008 1
020 C000009 0
020 C000010 0
021 000000 14
022 A000001 UMB BANK
022 C000001 1663
022 D000001 1518
022 A000002 ROBERTSON COLEMAN
022 C000002 0
022 D000002 169
022 A000003 HAMBRECHT & QUIST
022 B000003 94-3220242
022 C000003 45
022 D000003 117
022 C000004 0
022 D000004 0
022 C000005 0
022 D000005 0
022 C000006 0
022 D000006 0
022 C000007 0
022 D000007 0
022 C000008 0
022 D000008 0
022 C000009 0
022 D000009 0
022 C000010 0
022 D000010 0
023 C000000 1708
023 D000000 1804
028 A01AA00 42
028 A02AA00 0
028 A03AA00 42
028 A04AA00 65
028 B01AA00 101
028 B02AA00 0
028 B03AA00 101
028 B04AA00 46
028 C01AA00 198
028 C02AA00 0
028 C03AA00 198
028 C04AA00 259
028 D01AA00 247
028 D02AA00 0
028 D03AA00 247
028 D04AA00 167
<PAGE> PAGE 3
028 E01AA00 405
028 E02AA00 0
028 E03AA00 405
028 E04AA00 148
028 F01AA00 240
028 F02AA00 0
028 F03AA00 240
028 F04AA00 358
028 G01AA00 1233
028 G02AA00 0
028 G03AA00 1233
028 G04AA00 1043
028 H00AA00 32
029 00AA00 N
030 A00AA00 0
030 B00AA00 0.00
030 C00AA00 0.00
034 00AA00 Y
035 00AA00 2
036 A00AA00 Y
036 B00AA00 0
037 00AA00 N
038 00AA00 0
039 00AA00 N
040 00AA00 Y
041 00AA00 Y
042 A00AA00 0
042 B00AA00 0
042 C00AA00 0
042 D00AA00 100
042 E00AA00 0
042 F00AA00 0
042 G00AA00 0
042 H00AA00 0
043 00AA00 0
044 00AA00 0
045 00AA00 Y
046 00AA00 N
047 00AA00 Y
048 00AA00 0.500
048 A01AA00 0
048 A02AA00 0.000
048 B01AA00 0
048 B02AA00 0.000
048 C01AA00 0
048 C02AA00 0.000
048 D01AA00 0
048 D02AA00 0.000
048 E01AA00 0
048 E02AA00 0.000
048 F01AA00 0
<PAGE> PAGE 4
048 F02AA00 0.000
048 G01AA00 0
048 G02AA00 0.000
048 H01AA00 0
048 H02AA00 0.000
048 I01AA00 0
048 I02AA00 0.000
048 J01AA00 0
048 J02AA00 0.000
048 K01AA00 0
048 K02AA00 0.000
062 A00AA00 N
062 B00AA00 0.0
062 C00AA00 0.0
062 D00AA00 0.0
062 E00AA00 0.0
062 F00AA00 0.0
062 G00AA00 0.0
062 H00AA00 0.0
062 I00AA00 0.0
062 J00AA00 0.0
062 K00AA00 0.0
062 L00AA00 0.0
062 M00AA00 0.0
062 N00AA00 0.0
062 O00AA00 0.0
062 P00AA00 0.0
062 Q00AA00 0.0
062 R00AA00 0.0
063 A00AA00 0
063 B00AA00 0.0
066 A00AA00 Y
066 B00AA00 N
066 C00AA00 Y
066 D00AA00 N
066 E00AA00 N
066 F00AA00 N
066 G00AA00 N
067 00AA00 N
068 A00AA00 N
068 B00AA00 N
069 00AA00 N
071 A00AA00 2762
071 B00AA00 2295
071 C00AA00 9278
071 D00AA00 25
072 A00AA00 12
072 B00AA00 14
072 C00AA00 3
072 D00AA00 0
072 E00AA00 0
<PAGE> PAGE 5
072 F00AA00 81
072 G00AA00 30
072 H00AA00 0
072 I00AA00 48
072 J00AA00 5
072 K00AA00 0
072 L00AA00 9
072 M00AA00 4
072 N00AA00 5
072 O00AA00 0
072 P00AA00 0
072 Q00AA00 8
072 R00AA00 0
072 S00AA00 16
072 T00AA00 78
072 U00AA00 4
072 V00AA00 0
072 W00AA00 99
072 X00AA00 386
072 Y00AA00 0
072 Z00AA00 -369
072AA00AA00 766
072BB00AA00 0
072CC01AA00 1478
072CC02AA00 0
072DD01AA00 0
072DD02AA00 0
072EE00AA00 0
073 A01AA00 0.0000
073 A02AA00 0.0000
073 B00AA00 0.0000
073 C00AA00 0.0000
074 A00AA00 1
074 B00AA00 0
074 C00AA00 0
074 D00AA00 0
074 E00AA00 0
074 F00AA00 11139
074 G00AA00 0
074 H00AA00 0
074 I00AA00 388
074 J00AA00 0
074 K00AA00 35
074 L00AA00 26
074 M00AA00 44
074 N00AA00 11633
074 O00AA00 0
074 P00AA00 0
074 Q00AA00 0
074 R01AA00 0
074 R02AA00 0
<PAGE> PAGE 6
074 R03AA00 0
074 R04AA00 77
074 S00AA00 0
074 T00AA00 11556
074 U01AA00 167
074 U02AA00 537
074 V01AA00 16.64
074 V02AA00 16.27
074 W00AA00 0.0000
074 X00AA00 465
074 Y00AA00 0
075 A00AA00 0
075 B00AA00 8982
076 00AA00 0.00
077 A000000 Y
077 B000000 Y
077 C000000 N
077 D000000 N
077 E000000 N
077 F000000 N
077 G000000 N
077 H000000 N
077 I000000 N
077 J000000 N
077 K000000 N
077 L000000 N
077 M000000 N
077 N000000 N
077 O000000 N
077 P000000 N
077 Q010000 N
077 Q020000 N
077 Q030000 N
078 000000 N
080 A00AA00 THEODORE LIFKMAN
080 C00AA00 1000
081 A00AA00 N
081 B00AA00 0
082 A00AA00 Y
082 B00AA00 25
083 A00AA00 N
083 B00AA00 0
084 A00AA00 N
084 B00AA00 0
085 A00AA00 Y
085 B00AA00 N
SIGNATURE PAUL GIORGIO
TITLE TREASURER
Board of Trustees
Bender Growth Fund
In planning and performing our audit of the financial statements of the Bender
Growth Fund for the year ended March 31, 1999, we considered its internal
control structure, including 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 the internal control structure.
The management of the Bender Growth Fund is responsible for establishing and
maintaining an internal control structure. In fulfilling this responsibility,
estimates and judgments by management are required to assess the expected
benefits and related costs of internal control structure policies and
procedures. Two of the objectives of an internal control structure are to
provide management with reasonable, but not absolute, assurance that assets are
safeguarded against loss from unauthorized use or disposition and transactions
are executed in accordance with management's authorization and recorded properly
to permit preparation of financial statements in conformity with generally
accepted accounting principles.
Because of inherent limitations in any internal control structure, errors or
irregularities may occur and may not be detected. Also, projection of any
evaluation of the structure 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 the internal control structure would not necessarily
disclose all matters in the internal control structure 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 the specific internal control structure elements does not reduce to
a relatively low level the risk that errors or irregularities in amounts that
would be material in relation to 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 mat ters
involving the internal control structure, including procedures for safeguarding
securities, that we consider to be material weaknesses as defined above as of
March 31, 1999.
<PAGE>
Page 2
Board of Trustees
Bender Growth Fund
This report is intended solely for the information and use of management and the
Securities and Exchange Commission.
McCurdy & Associates CPA's, Inc.
Westlake, Ohio
April 23, 1999
<TABLE> <S> <C>
<ARTICLE> 6
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> MAR-31-1999
<PERIOD-START> APR-01-1999
<PERIOD-END> MAR-31-1999
<INVESTMENTS-AT-COST> 7,586,889
<INVESTMENTS-AT-VALUE> 11,527,104
<RECEIVABLES> 60,511
<ASSETS-OTHER> 45,976
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 11,633,591
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 77,181
<TOTAL-LIABILITIES> 77,181
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 7,029,165
<SHARES-COMMON-STOCK> 706,598
<SHARES-COMMON-PRIOR> 662,529
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 587,030
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 3,940,215
<NET-ASSETS> 11,556,410
<DIVIDEND-INCOME> 3,038
<INTEREST-INCOME> 14,465
<OTHER-INCOME> 0
<EXPENSES-NET> 386,805
<NET-INVESTMENT-INCOME> (369,302)
<REALIZED-GAINS-CURRENT> 765,803
<APPREC-INCREASE-CURRENT> 1,478,382
<NET-CHANGE-FROM-OPS> 1,874,883
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 172,357
<NUMBER-OF-SHARES-REDEEMED> 128,226
<SHARES-REINVESTED> 0
<NET-CHANGE-IN-ASSETS> 2,516,255
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (178,773)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 81,359
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 386,805
<AVERAGE-NET-ASSETS> 8,982,707
<PER-SHARE-NAV-BEGIN> 13.61
<PER-SHARE-NII> (0.55)
<PER-SHARE-GAIN-APPREC> 3.21
<PER-SHARE-DIVIDEND> 0
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 16.27
<EXPENSE-RATIO> 4.23
</TABLE>
