<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 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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<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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070 E010900 Y
070 E020900 N
070 F010900 Y
070 F020900 N
070 G010900 Y
070 G020900 N
070 H010900 Y
070 H020900 N
070 I010900 N
070 I020900 N
070 J010900 Y
070 J020900 N
070 K010900 Y
070 K020900 Y
070 L010900 N
070 L020900 N
070 M010900 N
070 M020900 N
070 N010900 N
070 N020900 N
070 O010900 N
070 O020900 N
070 P010900 N
070 P020900 N
070 Q010900 N
070 Q020900 N
070 R010900 N
070 R020900 N
071 A000900 4814
071 B000900 895
071 C000900 2285
071 D000900 39
072 A000900 12
072 B000900 0
072 C000900 41
072 D000900 0
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072 F000900 2
072 G000900 3
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<PAGE> PAGE 42
072 I000900 1
072 J000900 1
072 K000900 0
072 L000900 -2
072 M000900 0
072 N000900 0
072 O000900 0
072 P000900 0
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072 R000900 4
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072 V000900 0
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072 X000900 18
072 Y000900 10
072 Z000900 33
072AA000900 139
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072CC020900 0
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072EE000900 2
073 A010900 0.0300
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073 C000900 0.0000
074 A000900 45
074 B000900 0
074 C000900 0
074 D000900 0
074 E000900 0
074 F000900 0
074 G000900 0
074 H000900 0
074 I000900 4928
074 J000900 0
074 K000900 5
074 L000900 0
074 M000900 28
074 N000900 5006
074 O000900 30
074 P000900 2
074 Q000900 0
074 R010900 0
074 R020900 0
074 R030900 0
074 R040900 24
074 S000900 0
<PAGE> PAGE 43
074 T000900 4950
074 U010900 368
074 U020900 0
074 V010900 13.46
074 V020900 0.00
074 W000900 0.0000
074 X000900 1
074 Y000900 0
075 A000900 2303
075 B000900 0
076 000900 0.00
024 001000 N
028 A011000 781
028 A021000 0
028 A031000 0
028 A041000 18
028 B011000 463
028 B021000 0
028 B031000 0
028 B041000 48
028 C011000 553
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028 E011000 509
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045 001000 Y
046 001000 N
047 001000 Y
048 001000 0.100
048 A011000 0
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<PAGE> PAGE 44
048 D011000 0
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048 H011000 0
048 H021000 0.000
048 I011000 0
048 I021000 0.000
048 J011000 0
048 J021000 0.000
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048 K021000 0.000
049 001000 N
050 001000 N
051 001000 N
052 001000 N
053 A001000 Y
053 B001000 Y
053 C001000 N
058 A001000 N
059 001000 Y
060 A001000 Y
060 B001000 Y
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062 F001000 0.0
062 G001000 0.0
062 H001000 0.0
062 I001000 0.0
062 J001000 0.0
062 K001000 0.0
062 L001000 0.0
062 M001000 0.0
062 N001000 0.0
062 O001000 0.0
062 P001000 0.0
062 Q001000 0.0
062 R001000 0.0
063 A001000 0
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066 A001000 Y
066 B001000 N
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<PAGE> PAGE 45
066 D001000 N
066 E001000 N
066 F001000 N
066 G001000 N
067 001000 N
068 A001000 N
068 B001000 N
069 001000 N
070 A011000 Y
070 A021000 N
070 B011000 N
070 B021000 N
070 C011000 N
070 C021000 N
070 D011000 N
070 D021000 N
070 E011000 Y
070 E021000 N
070 F011000 Y
070 F021000 N
070 G011000 Y
070 G021000 N
070 H011000 Y
070 H021000 N
070 I011000 N
070 I021000 N
070 J011000 Y
070 J021000 N
070 K011000 Y
070 K021000 Y
070 L011000 N
070 L021000 N
070 M011000 N
070 M021000 N
070 N011000 N
070 N021000 N
070 O011000 N
070 O021000 N
070 P011000 N
070 P021000 N
070 Q011000 N
070 Q021000 N
070 R011000 N
070 R021000 N
071 A001000 9985
071 B001000 1678
071 C001000 4857
071 D001000 35
072 A001000 12
072 B001000 1
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<PAGE> PAGE 46
072 D001000 0
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072 F001000 5
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072 I001000 1
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072 L001000 -1
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072 Y001000 11
072 Z001000 88
072AA001000 448
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072DD021000 0
072EE001000 5
073 A011000 0.0300
073 A021000 0.0000
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074 A001000 13
074 B001000 192
074 C001000 0
074 D001000 0
074 E001000 0
074 F001000 0
074 G001000 0
074 H001000 0
074 I001000 9998
074 J001000 0
074 K001000 4
074 L001000 0
074 M001000 28
074 N001000 10235
074 O001000 143
074 P001000 9
074 Q001000 0
<PAGE> PAGE 47
074 R011000 0
074 R021000 0
074 R031000 0
074 R041000 10
074 S001000 0
074 T001000 10073
074 U011000 803
074 U021000 0
074 V011000 12.54
074 V021000 0.00
074 W001000 0.0000
074 X001000 1
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075 A001000 4897
075 B001000 0
076 001000 0.00
024 001100 N
028 A011100 578
028 A021100 0
028 A031100 0
028 A041100 20
028 B011100 795
028 B021100 0
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028 B041100 43
028 C011100 655
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028 D011100 579
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028 G011100 4923
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028 G041100 155
028 H001100 0
045 001100 Y
046 001100 N
047 001100 Y
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048 A011100 0
<PAGE> PAGE 48
048 A021100 0.000
048 B011100 0
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048 I011100 0
048 I021100 0.000
048 J011100 0
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048 K011100 0
048 K021100 0.000
049 001100 N
050 001100 N
051 001100 N
052 001100 N
053 A001100 Y
053 B001100 Y
053 C001100 N
058 A001100 N
059 001100 Y
060 A001100 Y
060 B001100 Y
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062 D001100 0.0
062 E001100 0.0
062 F001100 0.0
062 G001100 0.0
062 H001100 0.0
062 I001100 0.0
062 J001100 0.0
062 K001100 0.0
062 L001100 0.0
062 M001100 0.0
062 N001100 0.0
062 O001100 0.0
062 P001100 0.0
062 Q001100 0.0
062 R001100 0.0
<PAGE> PAGE 49
063 A001100 0
063 B001100 0.0
066 A001100 Y
066 B001100 N
066 C001100 N
066 D001100 N
066 E001100 N
066 F001100 N
066 G001100 Y
067 001100 Y
068 A001100 N
068 B001100 N
069 001100 N
070 A011100 Y
070 A021100 N
070 B011100 N
070 B021100 N
070 C011100 N
070 C021100 N
070 D011100 N
070 D021100 N
070 E011100 Y
070 E021100 N
070 F011100 Y
070 F021100 N
070 G011100 Y
070 G021100 N
070 H011100 Y
070 H021100 N
070 I011100 N
070 I021100 N
070 J011100 Y
070 J021100 N
070 K011100 Y
070 K021100 Y
070 L011100 N
070 L021100 N
070 M011100 N
070 M021100 N
070 N011100 N
070 N021100 N
070 O011100 N
070 O021100 N
070 P011100 N
070 P021100 N
070 Q011100 N
070 Q021100 N
070 R011100 N
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071 B001100 1875
<PAGE> PAGE 50
071 C001100 5616
071 D001100 33
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072 Y001100 11
072 Z001100 156
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072EE001100 0
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073 B001100 0.0000
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074 A001100 60
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074 D001100 0
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074 F001100 0
074 G001100 0
074 H001100 0
074 I001100 11094
074 J001100 15
074 K001100 0
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<PAGE> PAGE 51
074 M001100 28
074 N001100 11197
074 O001100 0
074 P001100 25
074 Q001100 0
074 R011100 0
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074 R041100 10
074 S001100 0
074 T001100 11162
074 U011100 915
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074 V011100 12.20
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074 W001100 0.0000
074 X001100 1
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075 A001100 5610
075 B001100 0
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024 001200 N
028 A011200 25
028 A021200 0
028 A031200 0
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028 B011200 110
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028 F011200 372
028 F021200 0
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028 F041200 78
028 G011200 893
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028 G031200 0
028 G041200 88
028 H001200 0
<PAGE> PAGE 52
045 001200 Y
046 001200 N
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048 H021200 0.000
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062 H001200 0.0
062 I001200 0.0
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<PAGE> PAGE 53
062 N001200 0.0
062 O001200 0.0
062 P001200 0.0
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066 D001200 N
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070 B021200 N
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070 D021200 N
070 E011200 Y
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070 F021200 N
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070 G021200 N
070 H011200 Y
070 H021200 N
070 I011200 N
070 I021200 N
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070 J021200 N
070 K011200 Y
070 K021200 N
070 L011200 N
070 L021200 N
070 M011200 N
070 M021200 N
070 N011200 N
070 N021200 N
070 O011200 N
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070 P011200 N
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<PAGE> PAGE 54
070 Q021200 N
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<PAGE> PAGE 55
074 H001200 0
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074 K001200 2
074 L001200 200
074 M001200 7
074 N001200 1116
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074 U011200 97
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024 001300 N
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028 B011300 323
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<PAGE> PAGE 56
028 G011300 827
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045 001300 Y
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050 001300 N
051 001300 N
052 001300 N
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<PAGE> PAGE 57
062 I001300 0.0
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066 A001300 Y
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066 D001300 N
066 E001300 N
066 F001300 N
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068 A001300 N
068 B001300 N
069 001300 N
070 A011300 Y
070 A021300 N
070 B011300 N
070 B021300 N
070 C011300 N
070 C021300 N
070 D011300 N
070 D021300 N
070 E011300 Y
070 E021300 N
070 F011300 Y
070 F021300 N
070 G011300 Y
070 G021300 N
070 H011300 Y
070 H021300 N
070 I011300 N
070 I021300 N
070 J011300 Y
070 J021300 N
070 K011300 Y
070 K021300 N
070 L011300 N
070 L021300 N
070 M011300 N
070 M021300 N
070 N011300 N
070 N021300 N
<PAGE> PAGE 58
070 O011300 N
070 O021300 N
070 P011300 N
070 P021300 N
070 Q011300 N
070 Q021300 N
070 R011300 N
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071 A001300 1039
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<PAGE> PAGE 59
074 C001300 0
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024 001400 Y
025 A001401 PRICE ( T. ROWE) ASSOCIATES, INC.
025 C001401 E
025 D001401 21
025 A001402 CHASE MANHATTAN CORPORATION
025 C001402 E
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<PAGE> PAGE 60
028 D021400 0
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050 001400 N
051 001400 N
052 001400 N
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<PAGE> PAGE 61
060 A001400 Y
060 B001400 Y
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070 H011400 Y
070 H021400 N
070 I011400 N
<PAGE> PAGE 62
070 I021400 N
070 J011400 Y
070 J021400 N
070 K011400 Y
070 K021400 N
070 L011400 N
070 L021400 Y
070 M011400 N
070 M021400 N
070 N011400 N
070 N021400 N
070 O011400 N
070 O021400 N
070 P011400 N
070 P021400 N
070 Q011400 N
070 Q021400 N
070 R011400 N
070 R021400 N
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<PAGE> PAGE 63
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024 001500 N
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<PAGE> PAGE 64
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<PAGE> PAGE 65
053 A001500 Y
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066 A001500 Y
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066 D001500 N
066 E001500 N
066 F001500 N
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<PAGE> PAGE 66
070 G011500 Y
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070 I011500 N
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070 K011500 Y
070 K021500 N
070 L011500 N
070 L021500 N
070 M011500 N
070 M021500 N
070 N011500 N
070 N021500 N
070 O011500 N
070 O021500 N
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070 P021500 N
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070 Q021500 N
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<PAGE> PAGE 67
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SIGNATURE JOHN WEST
TITLE SECRETARY
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 141
<NAME> WM VT BOND & STOCK FUND
<S> <C>
<PERIOD-TYPE> ERR
<FISCAL-YEAR-END> DEC-31-1998
<PERIOD-END> DEC-31-1998
<INVESTMENTS-AT-COST> 2,527,944
<INVESTMENTS-AT-VALUE> 2,592,492
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<TOTAL-ASSETS> 2,602,283
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<TOTAL-LIABILITIES> 16,333
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 2,503,618
<SHARES-COMMON-STOCK> 251,905
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 18,077
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> (293)
<ACCUM-APPREC-OR-DEPREC> 64,548
<NET-ASSETS> 2,585,950
<DIVIDEND-INCOME> 9,178
<INTEREST-INCOME> 27,153
<OTHER-INCOME> 0
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<NET-INVESTMENT-INCOME> 21,852
<REALIZED-GAINS-CURRENT> (293)
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<NET-CHANGE-FROM-OPS> 86,107
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<DISTRIBUTIONS-OF-INCOME> (3,775)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 252,138
<NUMBER-OF-SHARES-REDEEMED> (619)
<SHARES-REINVESTED> 386
<NET-CHANGE-IN-ASSETS> 2,585,950
<ACCUMULATED-NII-PRIOR> 0
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<PER-SHARE-NAV-BEGIN> 10.00
<PER-SHARE-NII> 0.16
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<PER-SHARE-DIVIDEND> (0.03)
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<PER-SHARE-NAV-END> 10.27
<EXPENSE-RATIO> 1.50
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<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 111
<NAME> WM VT BALANCED PORTFOLIO
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1998
<PERIOD-END> DEC-31-1998
<INVESTMENTS-AT-COST> 10,648,601
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<RECEIVABLES> 14,767
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 87,795
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<SENIOR-LONG-TERM-DEBT> 0
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<TOTAL-LIABILITIES> 35,268
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 10,156,158
<SHARES-COMMON-STOCK> 914,675
<SHARES-COMMON-PRIOR> 224,852
<ACCUMULATED-NII-CURRENT> 336,666
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 223,071
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 445,668
<NET-ASSETS> 11,161,563
<DIVIDEND-INCOME> 174,889
<INTEREST-INCOME> 1,057
<OTHER-INCOME> 0
<EXPENSES-NET> 19,481
<NET-INVESTMENT-INCOME> 156,465
<REALIZED-GAINS-CURRENT> 412,974
<APPREC-INCREASE-CURRENT> 452,159
<NET-CHANGE-FROM-OPS> 1,021,598
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (31,215)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 710,926
<NUMBER-OF-SHARES-REDEEMED> (23,796)
<SHARES-REINVESTED> 2,693
<NET-CHANGE-IN-ASSETS> 8,807,584
<ACCUMULATED-NII-PRIOR> 29,960
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> (12,453)
<GROSS-ADVISORY-FEES> 5,610
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 30,549
<AVERAGE-NET-ASSETS> 5,610,409
<PER-SHARE-NAV-BEGIN> 10.47
<PER-SHARE-NII> 0.31
<PER-SHARE-GAIN-APPREC> 1.49
<PER-SHARE-DIVIDEND> (0.07)
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<PER-SHARE-NAV-END> 12.20
<EXPENSE-RATIO> 0.35
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 101
<NAME> WM VT CONSERVATIVE GROWTH PORTFOLIO
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1998
<PERIOD-END> DEC-31-1998
<INVESTMENTS-AT-COST> 9,712,432
<INVESTMENTS-AT-VALUE> 10,189,814
<RECEIVABLES> 4,123
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 41,457
<TOTAL-ASSETS> 10,235,394
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<SENIOR-EQUITY> 0
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<SHARES-COMMON-STOCK> 803,155
<SHARES-COMMON-PRIOR> 130,946
<ACCUMULATED-NII-CURRENT> 283,463
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 229,231
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 477,382
<NET-ASSETS> 10,072,524
<DIVIDEND-INCOME> 104,030
<INTEREST-INCOME> 669
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<EXPENSES-NET> 17,140
<NET-INVESTMENT-INCOME> 87,559
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<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (11,420)
<DISTRIBUTIONS-OF-GAINS> (5,023)
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<NUMBER-OF-SHARES-SOLD> 707,885
<NUMBER-OF-SHARES-REDEEMED> (37,067)
<SHARES-REINVESTED> 1,391
<NET-CHANGE-IN-ASSETS> 8,698,862
<ACCUMULATED-NII-PRIOR> 9,484
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> (19,490)
<GROSS-ADVISORY-FEES> 4,897
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 27,881
<AVERAGE-NET-ASSETS> 4,896,551
<PER-SHARE-NAV-BEGIN> 10.49
<PER-SHARE-NII> 0.20
<PER-SHARE-GAIN-APPREC> 1.89
<PER-SHARE-DIVIDEND> (0.03)
<PER-SHARE-DISTRIBUTIONS> (0.01)
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<PER-SHARE-NAV-END> 12.54
<EXPENSE-RATIO> 0.35
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 061
<NAME> WM VT EMERGING GROWTH FUND
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1998
<PERIOD-END> DEC-31-1998
<INVESTMENTS-AT-COST> 39,488,990
<INVESTMENTS-AT-VALUE> 44,095,750
<RECEIVABLES> 383,353
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 67,111
<TOTAL-ASSETS> 44,546,214
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<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 105,289
<TOTAL-LIABILITIES> 166,372
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 32,673,349
<SHARES-COMMON-STOCK> 3,041,431
<SHARES-COMMON-PRIOR> 2,902,621
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 6,941,752
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 4,764,741
<NET-ASSETS> 44,379,842
<DIVIDEND-INCOME> 116,901
<INTEREST-INCOME> 178,939
<OTHER-INCOME> 0
<EXPENSES-NET> 494,409
<NET-INVESTMENT-INCOME> (198,569)
<REALIZED-GAINS-CURRENT> 7,278,781
<APPREC-INCREASE-CURRENT> (4,123,547)
<NET-CHANGE-FROM-OPS> 2,956,665
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> (6,023,693)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 431,126
<NUMBER-OF-SHARES-REDEEMED> (728,816)
<SHARES-REINVESTED> 436,500
<NET-CHANGE-IN-ASSETS> (981,785)
<ACCUMULATED-NII-PRIOR> 46,745
<ACCUMULATED-GAINS-PRIOR> 5,838,488
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 365,112
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 496,544
<AVERAGE-NET-ASSETS> 41,483,715
<PER-SHARE-NAV-BEGIN> 15.63
<PER-SHARE-NII> (0.07)
<PER-SHARE-GAIN-APPREC> 1.21
<PER-SHARE-DIVIDEND> 0.00
<PER-SHARE-DISTRIBUTIONS> (2.18)
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 14.59
<EXPENSE-RATIO> 1.19
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 121
<NAME> WM VT FLEXIBLE INCOME PORTFOLIO
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1998
<PERIOD-END> DEC-31-1998
<INVESTMENTS-AT-COST> 881,700
<INVESTMENTS-AT-VALUE> 903,313
<RECEIVABLES> 202,546
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 10,808
<TOTAL-ASSETS> 1,116,667
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<OTHER-ITEMS-LIABILITIES> 9,306
<TOTAL-LIABILITIES> 9,306
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 1,063,613
<SHARES-COMMON-STOCK> 97,269
<SHARES-COMMON-PRIOR> 9,807
<ACCUMULATED-NII-CURRENT> 17,302
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 4,833
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 21,613
<NET-ASSETS> 1,107,361
<DIVIDEND-INCOME> 17,184
<INTEREST-INCOME> 89
<OTHER-INCOME> 0
<EXPENSES-NET> 1,141
<NET-INVESTMENT-INCOME> 16,132
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<APPREC-INCREASE-CURRENT> 21,612
<NET-CHANGE-FROM-OPS> 46,158
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (486)
<DISTRIBUTIONS-OF-GAINS> (25)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 100,651
<NUMBER-OF-SHARES-REDEEMED> (13,236)
<SHARES-REINVESTED> 47
<NET-CHANGE-IN-ASSETS> 1,007,008
<ACCUMULATED-NII-PRIOR> 416
<ACCUMULATED-GAINS-PRIOR> 18
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
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<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 4,960
<AVERAGE-NET-ASSETS> 329,464
<PER-SHARE-NAV-BEGIN> 10.23
<PER-SHARE-NII> 0.48
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<PER-SHARE-DIVIDEND> (0.02)
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<PER-SHARE-NAV-END> 11.38
<EXPENSE-RATIO> 0.35
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<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 071
<NAME> WM VT GROWTH & INCOME FUND
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1998
<PERIOD-END> DEC-31-1998
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<ACCUM-APPREC-OR-DEPREC> 18,952,182
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<NUMBER-OF-SHARES-REDEEMED> (859,170)
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<PER-SHARE-NAV-END> 16.97
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<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 041
<NAME> WM VT U.S. GOVERNMENT SECURITIES FUND
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1998
<PERIOD-END> DEC-31-1998
<INVESTMENTS-AT-COST> 39,195,891
<INVESTMENTS-AT-VALUE> 41,665,678
<RECEIVABLES> 375,411
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<TOTAL-ASSETS> 42,042,324
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<TOTAL-LIABILITIES> 127,930
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 40,619,533
<SHARES-COMMON-STOCK> 4,146,856
<SHARES-COMMON-PRIOR> 6,143,984
<ACCUMULATED-NII-CURRENT> 69,065
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> (1,243,991)
<ACCUM-APPREC-OR-DEPREC> 2,469,787
<NET-ASSETS> 41,914,394
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 3,707,202
<OTHER-INCOME> 3,422
<EXPENSES-NET> 550,413
<NET-INVESTMENT-INCOME> 3,160,211
<REALIZED-GAINS-CURRENT> 932,251
<APPREC-INCREASE-CURRENT> (315,062)
<NET-CHANGE-FROM-OPS> 3,777,400
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (3,143,989)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 335,691
<NUMBER-OF-SHARES-REDEEMED> (2,644,591)
<SHARES-REINVESTED> 311,772
<NET-CHANGE-IN-ASSETS> (19,742,015)
<ACCUMULATED-NII-PRIOR> 72,796
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> (2,197,110)
<GROSS-ADVISORY-FEES> 324,028
<INTEREST-EXPENSE> 68,542
<GROSS-EXPENSE> 553,605
<AVERAGE-NET-ASSETS> 54,004,655
<PER-SHARE-NAV-BEGIN> 10.04
<PER-SHARE-NII> 0.63
<PER-SHARE-GAIN-APPREC> 0.06
<PER-SHARE-DIVIDEND> (0.62)
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 10.11
<EXPENSE-RATIO> 0.89
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 021
<NAME> WM VT GROWTH FUND
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1998
<PERIOD-END> DEC-31-1998
<INVESTMENTS-AT-COST> 111,935,111
<INVESTMENTS-AT-VALUE> 162,179,853
<RECEIVABLES> 4,562,158
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 59,302
<TOTAL-ASSETS> 166,801,313
<PAYABLE-FOR-SECURITIES> 3,542,039
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 291,986
<TOTAL-LIABILITIES> 3,834,025
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 85,673,973
<SHARES-COMMON-STOCK> 7,289,760
<SHARES-COMMON-PRIOR> 7,903,699
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 27,036,706
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 50,256,609
<NET-ASSETS> 162,967,288
<DIVIDEND-INCOME> 501,909
<INTEREST-INCOME> 302,848
<OTHER-INCOME> 0
<EXPENSES-NET> 1,533,974
<NET-INVESTMENT-INCOME> (729,217)
<REALIZED-GAINS-CURRENT> 27,795,718
<APPREC-INCREASE-CURRENT> 36,784,952
<NET-CHANGE-FROM-OPS> 63,851,453
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (474,575)
<DISTRIBUTIONS-OF-GAINS> (11,696,897)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 401,445
<NUMBER-OF-SHARES-REDEEMED> (1,677,237)
<SHARES-REINVESTED> 661,853
<NET-CHANGE-IN-ASSETS> 41,201,654
<ACCUMULATED-NII-PRIOR> 593,054
<ACCUMULATED-GAINS-PRIOR> 11,547,691
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 1,175,431
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1,540,975
<AVERAGE-NET-ASSETS> 132,192,106
<PER-SHARE-NAV-BEGIN> 15.41
<PER-SHARE-NII> (0.09)
<PER-SHARE-GAIN-APPREC> 8.81
<PER-SHARE-DIVIDEND> (0.07)
<PER-SHARE-DISTRIBUTIONS> (1.70)
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 22.36
<EXPENSE-RATIO> 1.16
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 051
<NAME> WM VT INCOME FUND
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1998
<PERIOD-END> DEC-31-1998
<INVESTMENTS-AT-COST> 46,655,939
<INVESTMENTS-AT-VALUE> 48,987,491
<RECEIVABLES> 955,118
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 1,145
<TOTAL-ASSETS> 49,943,754
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 289,996
<TOTAL-LIABILITIES> 289,996
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 49,437,800
<SHARES-COMMON-STOCK> 4,848,621
<SHARES-COMMON-PRIOR> 5,070,611
<ACCUMULATED-NII-CURRENT> 79,458
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> (2,195,052)
<ACCUM-APPREC-OR-DEPREC> 2,331,552
<NET-ASSETS> 49,653,758
<DIVIDEND-INCOME> 7,412
<INTEREST-INCOME> 3,828,220
<OTHER-INCOME> 0
<EXPENSES-NET> 481,892
<NET-INVESTMENT-INCOME> 3,353,740
<REALIZED-GAINS-CURRENT> 102,179
<APPREC-INCREASE-CURRENT> 161,113
<NET-CHANGE-FROM-OPS> 3,617,032
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (3,316,492)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 256,287
<NUMBER-OF-SHARES-REDEEMED> (802,650)
<SHARES-REINVESTED> 324,373
<NET-CHANGE-IN-ASSETS> (2,016,708)
<ACCUMULATED-NII-PRIOR> 58,392
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> (2,314,345)
<GROSS-ADVISORY-FEES> 325,996
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 481,957
<AVERAGE-NET-ASSETS> 50,153,291
<PER-SHARE-NAV-BEGIN> 10.19
<PER-SHARE-NII> 0.70
<PER-SHARE-GAIN-APPREC> 0.04
<PER-SHARE-DIVIDEND> (0.69)
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 10.24
<EXPENSE-RATIO> 0.96
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 131
<NAME> WM VT INCOME PORTFOLIO
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1998
<PERIOD-END> DEC-31-1998
<INVESTMENTS-AT-COST> 840,090
<INVESTMENTS-AT-VALUE> 831,640
<RECEIVABLES> 8,836
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 4,061
<TOTAL-ASSETS> 844,537
<PAYABLE-FOR-SECURITIES> 1,248
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 14,145
<TOTAL-LIABILITIES> 15,393
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 818,193
<SHARES-COMMON-STOCK> 79,607
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 18,416
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 985
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> (8,450)
<NET-ASSETS> 829,144
<DIVIDEND-INCOME> 18,604
<INTEREST-INCOME> 0
<OTHER-INCOME> 0
<EXPENSES-NET> 833
<NET-INVESTMENT-INCOME> 17,771
<REALIZED-GAINS-CURRENT> 1,639
<APPREC-INCREASE-CURRENT> (8,450)
<NET-CHANGE-FROM-OPS> 10,960
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> (32)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 90,295
<NUMBER-OF-SHARES-REDEEMED> (10,691)
<SHARES-REINVESTED> 3
<NET-CHANGE-IN-ASSETS> 829,144
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 240
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 12,914
<AVERAGE-NET-ASSETS> 348,323
<PER-SHARE-NAV-BEGIN> 10.00
<PER-SHARE-NII> 0.56
<PER-SHARE-GAIN-APPREC> (0.14)
<PER-SHARE-DIVIDEND> 0.00
<PER-SHARE-DISTRIBUTIONS> (0.00)
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 10.42
<EXPENSE-RATIO> 0.35
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 031
<NAME> WM VT INTERNATIONAL GROWTH FUND
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1998
<PERIOD-END> DEC-31-1998
<INVESTMENTS-AT-COST> 57,912,832
<INVESTMENTS-AT-VALUE> 61,371,023
<RECEIVABLES> 165,479
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 34,167
<TOTAL-ASSETS> 61,570,669
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 1,210,602
<TOTAL-LIABILITIES> 1,210,602
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 63,045,826
<SHARES-COMMON-STOCK> 5,198,137
<SHARES-COMMON-PRIOR> 4,049,108
<ACCUMULATED-NII-CURRENT> 743,574
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> (5,806,644)
<ACCUM-APPREC-OR-DEPREC> 2,377,311
<NET-ASSETS> 60,360,067
<DIVIDEND-INCOME> 957,701
<INTEREST-INCOME> 173,087
<OTHER-INCOME> 0
<EXPENSES-NET> 781,126
<NET-INVESTMENT-INCOME> 349,662
<REALIZED-GAINS-CURRENT> 588,160
<APPREC-INCREASE-CURRENT> 537,415
<NET-CHANGE-FROM-OPS> 1,475,237
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (3,299,318)
<DISTRIBUTIONS-OF-GAINS> (2,923,585)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 1,438,878
<NUMBER-OF-SHARES-REDEEMED> (797,427)
<SHARES-REINVESTED> 507,578
<NET-CHANGE-IN-ASSETS> 10,724,085
<ACCUMULATED-NII-PRIOR> 2,359,423
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> (2,138,344)
<GROSS-ADVISORY-FEES> 537,004
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 845,515
<AVERAGE-NET-ASSETS> 57,304,702
<PER-SHARE-NAV-BEGIN> 12.26
<PER-SHARE-NII> 0.07
<PER-SHARE-GAIN-APPREC> 0.64
<PER-SHARE-DIVIDEND> (0.72)
<PER-SHARE-DISTRIBUTIONS> (0.64)
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 11.61
<EXPENSE-RATIO> 1.36
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 011
<NAME> WM VT MONEY MARKET FUND
<S> <C>
<PERIOD-TYPE> '12-MOS
<FISCAL-YEAR-END> DEC-31-1998
<PERIOD-END> DEC-31-1998
<INVESTMENTS-AT-COST> 33,182,932
<INVESTMENTS-AT-VALUE> 33,182,932
<RECEIVABLES> 296,386
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 968
<TOTAL-ASSETS> 33,480,286
<PAYABLE-FOR-SECURITIES> 1,500,000
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 118,235
<TOTAL-LIABILITIES> 1,618,235
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 31,838,937
<SHARES-COMMON-STOCK> 31,855,213
<SHARES-COMMON-PRIOR> 32,857,151
<ACCUMULATED-NII-CURRENT> 23,539
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> (425)
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 31,862,051
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 1,941,084
<OTHER-INCOME> 0
<EXPENSES-NET> 228,010
<NET-INVESTMENT-INCOME> 1,713,074
<REALIZED-GAINS-CURRENT> (425)
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 1,712,649
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (1,713,074)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 17,046,612
<NUMBER-OF-SHARES-REDEEMED> (19,761,623)
<SHARES-REINVESTED> 1,713,073
<NET-CHANGE-IN-ASSETS> (1,002,363)
<ACCUMULATED-NII-PRIOR> 22,556
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 174,936
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 284,719
<AVERAGE-NET-ASSETS> 34,987,181
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> 0.05
<PER-SHARE-GAIN-APPREC> (0.00)
<PER-SHARE-DIVIDEND> (0.05)
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> 0.65
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 151
<NAME> WM VT NORTHWEST FUND
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1998
<PERIOD-END> DEC-31-1998
<INVESTMENTS-AT-COST> 2,077,251
<INVESTMENTS-AT-VALUE> 2,329,451
<RECEIVABLES> 12,415
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 625
<TOTAL-ASSETS> 2,342,491
<PAYABLE-FOR-SECURITIES> 15,266
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 13,865
<TOTAL-LIABILITIES> 29,131
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 1,998,327
<SHARES-COMMON-STOCK> 211,413
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 259
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 62,574
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 252,200
<NET-ASSETS> 2,313,360
<DIVIDEND-INCOME> 7,159
<INTEREST-INCOME> 6,640
<OTHER-INCOME> 0
<EXPENSES-NET> 13,540
<NET-INVESTMENT-INCOME> 259
<REALIZED-GAINS-CURRENT> 62,574
<APPREC-INCREASE-CURRENT> 252,200
<NET-CHANGE-FROM-OPS> 315,033
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 222,987
<NUMBER-OF-SHARES-REDEEMED> (11,574)
<SHARES-REINVESTED> 0
<NET-CHANGE-IN-ASSETS> 2,313,360
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 5,624
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 24,967
<AVERAGE-NET-ASSETS> 1,337,894
<PER-SHARE-NAV-BEGIN> 10.00
<PER-SHARE-NII> 0.00
<PER-SHARE-GAIN-APPREC> 0.94
<PER-SHARE-DIVIDEND> 0.00
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 10.94
<EXPENSE-RATIO> 1.50
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 081
<NAME> WM VT SHORT TERM HIGH QUALITY BOND FUND
<S> <C>
<PERIOD-TYPE> '12-MOS
<FISCAL-YEAR-END> DEC-31-1998
<PERIOD-END> DEC-31-1998
<INVESTMENTS-AT-COST> 36,827,823
<INVESTMENTS-AT-VALUE> 37,051,095
<RECEIVABLES> 449,179
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 653
<TOTAL-ASSETS> 37,500,927
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 101,630
<TOTAL-LIABILITIES> 101,630
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 37,692,754
<SHARES-COMMON-STOCK> 15,315,030
<SHARES-COMMON-PRIOR> 4,918,644
<ACCUMULATED-NII-CURRENT> 10,700
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> (527,429)
<ACCUM-APPREC-OR-DEPREC> 223,272
<NET-ASSETS> 37,399,297
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 1,784,305
<OTHER-INCOME> 0
<EXPENSES-NET> 239,651
<NET-INVESTMENT-INCOME> 1,544,654
<REALIZED-GAINS-CURRENT> (147,154)
<APPREC-INCREASE-CURRENT> 68,395
<NET-CHANGE-FROM-OPS> 1,465,895
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (1,455,360)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 12,047,773
<NUMBER-OF-SHARES-REDEEMED> (2,248,595)
<SHARES-REINVESTED> 597,208
<NET-CHANGE-IN-ASSETS> 25,454,910
<ACCUMULATED-NII-PRIOR> 14,926
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> (473,795)
<GROSS-ADVISORY-FEES> 141,693
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 252,182
<AVERAGE-NET-ASSETS> 28,338,671
<PER-SHARE-NAV-BEGIN> 2.43
<PER-SHARE-NII> 0.12
<PER-SHARE-GAIN-APPREC> 0.01
<PER-SHARE-DIVIDEND> (0.12)
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 2.44
<EXPENSE-RATIO> 0.85
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 091
<NAME> WM VT STRATEGIC GROWTH PORTFOLIO
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1998
<PERIOD-END> DEC-31-1998
<INVESTMENTS-AT-COST> 4,464,566
<INVESTMENTS-AT-VALUE> 4,927,525
<RECEIVABLES> 4,935
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 73,298
<TOTAL-ASSETS> 5,005,758
<PAYABLE-FOR-SECURITIES> 29,761
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 26,204
<TOTAL-LIABILITIES> 55,965
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 4,312,459
<SHARES-COMMON-STOCK> 367,784
<SHARES-COMMON-PRIOR> 55,292
<ACCUMULATED-NII-CURRENT> 124,368
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 50,007
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 462,959
<NET-ASSETS> 4,949,793
<DIVIDEND-INCOME> 40,497
<INTEREST-INCOME> 96
<OTHER-INCOME> 0
<EXPENSES-NET> 7,999
<NET-INVESTMENT-INCOME> 32,594
<REALIZED-GAINS-CURRENT> 139,129
<APPREC-INCREASE-CURRENT> 471,041
<NET-CHANGE-FROM-OPS> 642,764
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (5,989)
<DISTRIBUTIONS-OF-GAINS> (1,797)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 335,227
<NUMBER-OF-SHARES-REDEEMED> (23,364)
<SHARES-REINVESTED> 629
<NET-CHANGE-IN-ASSETS> 4,358,410
<ACCUMULATED-NII-PRIOR> 5,393
<ACCUMULATED-GAINS-PRIOR> 1,039
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 2,303
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 18,469
<AVERAGE-NET-ASSETS> 2,303,346
<PER-SHARE-NAV-BEGIN> 10.70
<PER-SHARE-NII> 0.17
<PER-SHARE-GAIN-APPREC> 2.63
<PER-SHARE-DIVIDEND> (0.03)
<PER-SHARE-DISTRIBUTIONS> (0.01)
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 13.46
<EXPENSE-RATIO> 0.35
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
