WM VARIABLE TRUST
NSAR-A, 1999-08-30
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<PAGE>      PAGE  1
000 A000000 06/30/99
000 C000000 0000897020
000 D000000 N
000 E000000 NF
000 F000000 Y
000 G000000 N
000 H000000 N
000 I000000 3.0
000 J000000 A
001 A000000 WM VARIABLE TRUST
001 B000000 811-7462
001 C000000 2064618622
002 A000000 1201 3RD AVENUE SUITE 2210
002 B000000 SEATTLE
002 C000000 WA
002 D010000 98101
003  000000 N
004  000000 N
005  000000 N
006  000000 N
007 A000000 Y
007 B000000 15
007 C010100  1
007 C020100 MONEY MARKET FUND
007 C030100 N
007 C010200  2
007 C020200 GROWTH FUND
007 C030200 N
007 C010300  3
007 C020300 INTERNATIONAL GROWTH FUND
007 C030300 N
007 C010400  4
007 C020400 U.S. GOVERNMENT SECURITIES FUND
007 C030400 N
007 C010500  5
007 C020500 INCOME FUND
007 C030500 N
007 C010600  6
007 C020600 EMERGING GROWTH FUND
007 C030600 N
007 C010700  7
007 C020700 GROWTH AND INCOME FUND
007 C030700 N
007 C010800  8
007 C020800 SHORT TERM HIGH QUALITY BOND FUND
007 C030800 N
007 C010900  9
007 C020900 STRATEGIC GROWTH PORTFOLIO
007 C030900 N
007 C011000 10
007 C021000 CONSERVATIVE GROWTH PORTFOLIO
<PAGE>      PAGE  2
007 C031000 N
007 C011100 11
007 C021100 BALANCED PORTFOLIO
007 C031100 N
007 C011200 12
007 C021200 FLEXIBLE INCOME PORTFOLIO
007 C031200 N
007 C011300 13
007 C021300 INCOME PORTFOLIO
007 C031300 N
007 C011400 14
007 C021400 BOND AND STOCK FUND
007 C031400 N
007 C011500 15
007 C021500 NORTHWEST FUND
007 C031500 N
007 C011600 16
007 C011700 17
007 C011800 18
007 C011900 19
007 C012000 20
008 A00AA01 WM ADVISORS, INC.
008 B00AA01 A
008 C00AA01 801-4855
008 D01AA01 SEATTLE
008 D02AA01 WA
008 D03AA01 98101
010 A00AA01 WM SHAREHOLDER SERVICES, INC.
010 B00AA01 85-999
010 C01AA01 SEATTLE
010 C02AA01 WA
010 C03AA01 98101
011 A00AA01 WM FUNDS DISTRIBUTOR, INC.
011 B00AA01 8-50200
011 C01AA01 SEATTLE
011 C02AA01 WA
011 C03AA01 98101
012 A00AA01 WM SHAREHOLDER SERVICES, INC.
012 B00AA01 84-9999
012 C01AA01 SEATTLE
012 C02AA01 WA
012 C03AA01 98101
013 A00AA01 DELOITTE & TOUCHE LLP
013 B01AA01 SAN FRANCISCO
013 B02AA01 CA
013 B03AA01 94105
014 A00AA01 WM FINANCIAL SERVICES, INC.
014 B00AA01 8-3641
014 A00AA02 WM FUND SERVICES, INC.
014 B00AA02 8-45144
015 A00AA01 MELLON BANK
<PAGE>      PAGE  3
015 B00AA01 C
015 C01AA01 MEDFORD
015 C02AA01 MA
015 C03AA01 02155
015 E01AA01 X
018  00AA00 Y
019 A00AA00 Y
019 B00AA00   41
019 C00AA00 WMGRPFUNDS
020 A000001 MERRILL LYNCH & COMPANY
020 B000001 13-5674085
020 C000001     41
020 A000002 FIRST BOSTON CORPORATION
020 B000002 13-5659485
020 C000002     40
020 A000003 INSTINET CORPORATION
020 B000003 13-2596491
020 C000003     20
020 A000004 AUTRANET, INC.
020 B000004 13-2961507
020 C000004     19
020 A000005 WARBURG (S.G.) COMPANY
020 B000005 13-3340045
020 C000005     19
020 A000006 SCHWAB (CHARLES)
020 C000006     18
020 A000007 JEFFRIES & COMPANY, INC.
020 B000007 95-2622900
020 C000007     12
020 A000008 COWEN & COMPANY
020 B000008 13-5616116
020 C000008     11
020 A000009 GOLDMAN SACHS & COMPANY
020 B000009 13-5108880
020 C000009     11
020 A000010 MONTGOMERY SECURITIES
020 B000010 94-1701676
020 C000010     11
021  000000      463
022 A000001 FIRST BOSTON CORPORATION
022 B000001 13-5659485
022 C000001   1793973
022 D000001       511
022 A000002 STATE STREET BANK & TRUST COMPANY
022 B000002 04-1867445
022 C000002    406036
022 D000002         3
022 A000003 BOSTON SAFE DEPOSIT & TRUST COMPANY
022 B000003 04-1107280
022 C000003    288594
022 D000003     29388
<PAGE>      PAGE  4
022 A000004 PRUDENTIAL SECURITIES, INC.
022 B000004 22-2347336
022 C000004    293347
022 D000004         0
022 A000005 GOLDMAN SACHS & COMPANY
022 B000005 13-5108880
022 C000005    214417
022 D000005      2928
022 A000006 WASHINGTON MUTUAL
022 C000006     73781
022 D000006      8759
022 A000007 MERRILL LYNCH & COMPANY
022 B000007 13-5674085
022 C000007     19618
022 D000007     13214
022 A000008 HOUSEHOLD FINANCE
022 C000008     24403
022 D000008         0
022 A000009 LEHMAN BROTHERS
022 B000009 13-2518466
022 C000009     12046
022 D000009     11705
022 A000010 MONTGOMERY SECURITIES
022 B000010 94-1701676
022 C000010      9766
022 D000010      1971
023 C000000    3336764
023 D000000     113880
026 A000000 N
026 B000000 Y
026 C000000 N
026 D000000 Y
026 E000000 N
026 F000000 N
026 G010000 N
026 G020000 N
026 H000000 N
027  000000 Y
029  00AA00 N
030 A00AA00      0
030 B00AA00  0.00
030 C00AA00  0.00
031 A00AA00      0
031 B00AA00      0
032  00AA00      0
033  00AA00      0
034  00AA00 N
035  00AA00      0
036 B00AA00      0
037  00AA00 N
038  00AA00      0
<PAGE>      PAGE  5
039  00AA00 N
040  00AA00 N
042 A00AA00   0
042 B00AA00   0
042 C00AA00   0
042 D00AA00   0
042 E00AA00   0
042 F00AA00   0
042 G00AA00   0
042 H00AA00   0
043  00AA00      0
044  00AA00      0
054 A00AA00 Y
054 B00AA00 Y
054 C00AA00 N
054 D00AA00 N
054 E00AA00 N
054 F00AA00 N
054 G00AA00 Y
054 H00AA00 Y
054 I00AA00 N
054 J00AA00 Y
054 K00AA00 N
054 L00AA00 N
054 M00AA00 N
054 N00AA00 N
054 O00AA00 Y
055 A00AA00 N
055 B00AA00 N
056  00AA00 Y
057  00AA00 N
077 A000000 Y
077 Q010000 Y
080 A00AA00 NATIONAL UNION FIRE INSURANCE COMPANY
080 C00AA00        0
081 B00AA00   0
082 A00AA00 N
082 B00AA00        0
083 A00AA00 N
083 B00AA00        0
084 A00AA00 N
084 B00AA00        0
085 A00AA00 Y
085 B00AA00 N
086 A010000      0
086 A020000      0
086 B010000      0
086 B020000      0
086 C010000      0
086 C020000      0
086 D010000      0
<PAGE>      PAGE  6
086 D020000      0
086 E010000      0
086 E020000      0
086 F010000      0
086 F020000      0
024  000100 Y
025 A000101 MERRILL LYNCH AND COMPANY
025 B000101 13-5674085
025 C000101 D
025 D000101     998
025 A000102 CS FIRST BOSTON
025 B000102 13-5659485
025 C000102 D
025 D000102    2326
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025 D000104       0
025 D000105       0
025 D000106       0
025 D000107       0
025 D000108       0
025 D000109       0
025 D000110       0
025 D000111       0
025 D000112       0
025 D000113       0
025 D000114       0
025 D000115       0
025 D000116       0
028 A010100      1250
028 A020100       124
028 A030100         0
028 A040100       389
028 B010100       649
028 B020100       110
028 B030100         0
028 B040100       552
028 C010100      1374
028 C020100       114
028 C030100         0
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028 D020100        93
028 D030100         0
028 D040100      1654
028 E010100      2510
028 E020100       100
028 E030100         0
028 E040100        63
028 F010100      2688
028 F020100        90
028 F030100         0
<PAGE>      PAGE  7
028 F040100      8902
028 G010100      9763
028 G020100       631
028 G030100         0
028 G040100     19077
028 H000100         0
045  000100 Y
046  000100 N
047  000100 Y
048  000100  0.000
048 A010100   500000
048 A020100 0.500
048 B010100        0
048 B020100 0.000
048 C010100        0
048 C020100 0.000
048 D010100        0
048 D020100 0.000
048 E010100        0
048 E020100 0.000
048 F010100        0
048 F020100 0.000
048 G010100        0
048 G020100 0.000
048 H010100        0
048 H020100 0.000
048 I010100        0
048 I020100 0.000
048 J010100        0
048 J020100 0.000
048 K010100   500000
048 K020100 0.400
049  000100 N
050  000100 N
051  000100 N
052  000100 N
053 A000100 Y
053 B000100 Y
053 C000100 N
058 A000100 Y
058 B000100 Y
059  000100 Y
060 A000100 Y
060 B000100 Y
061  000100     2000
062 A000100 Y
062 B000100   0.0
062 C000100  21.6
062 D000100  10.0
062 E000100   0.0
062 F000100   0.0
<PAGE>      PAGE  8
062 G000100  12.9
062 H000100   0.0
062 I000100  43.0
062 J000100   0.0
062 K000100   0.0
062 L000100   6.5
062 M000100   0.0
062 N000100   0.0
062 O000100   0.0
062 P000100   0.0
062 Q000100   0.0
062 R000100   0.0
063 A000100  42
063 B000100  0.0
064 A000100 N
064 B000100 N
066 A000100 N
067  000100 N
068 A000100 N
068 B000100 N
069  000100 N
070 A010100 Y
070 A020100 Y
070 B010100 N
070 B020100 N
070 C010100 N
070 C020100 N
070 D010100 N
070 D020100 N
070 E010100 N
070 E020100 N
070 F010100 N
070 F020100 N
070 G010100 N
070 G020100 N
070 H010100 N
070 H020100 N
070 I010100 N
070 I020100 N
070 J010100 Y
070 J020100 N
070 K010100 N
070 K020100 N
070 L010100 Y
070 L020100 Y
070 M010100 N
070 M020100 N
070 N010100 N
070 N020100 N
070 O010100 N
070 O020100 N
<PAGE>      PAGE  9
070 P010100 N
070 P020100 N
070 Q010100 N
070 Q020100 N
070 R010100 N
070 R020100 N
071 A000100         0
071 B000100         0
071 C000100         0
071 D000100    0
072 A000100  6
072 B000100      736
072 C000100        0
072 D000100        0
072 E000100        0
072 F000100       74
072 G000100       27
072 H000100        0
072 I000100        0
072 J000100        1
072 K000100        0
072 L000100        5
072 M000100       -3
072 N000100        0
072 O000100        0
072 P000100        0
072 Q000100        0
072 R000100       10
072 S000100        1
072 T000100        0
072 U000100        0
072 V000100        0
072 W000100        2
072 X000100      117
072 Y000100       17
072 Z000100      636
072AA000100        0
072BB000100        0
072CC010100        0
072CC020100        0
072DD010100      636
072DD020100        0
072EE000100        0
073 A010100   0.0220
073 A020100   0.0000
073 B000100   0.0000
073 C000100   0.0000
074 A000100        0
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074 C000100    19455
074 D000100        0
<PAGE>      PAGE  10
074 E000100        0
074 F000100        0
074 G000100        0
074 H000100        0
074 I000100        0
074 J000100     2400
074 K000100        0
074 L000100      133
074 M000100        1
074 N000100    24315
074 O000100     1005
074 P000100       14
074 Q000100        0
074 R010100        0
074 R020100        0
074 R030100        0
074 R040100      118
074 S000100        0
074 T000100    23178
074 U010100    23172
074 U020100        0
074 V010100     1.00
074 V020100     0.00
074 W000100   1.0004
074 X000100        6
074 Y000100        0
075 A000100    29903
075 B000100        0
076  000100     0.00
024  000200 N
025 D000201       0
025 D000202       0
025 D000203       0
025 D000204       0
025 D000205       0
025 D000206       0
025 D000207       0
025 D000208       0
028 A010200      1738
028 A020200         0
028 A030200         0
028 A040200      2180
028 B010200      1823
028 B020200         0
028 B030200         0
028 B040200      1729
028 C010200      6533
028 C020200         0
028 C030200         0
028 C040200      1433
028 D010200      5079
<PAGE>      PAGE  11
028 D020200         0
028 D030200         0
028 D040200      3074
028 E010200      6213
028 E020200         0
028 E030200         0
028 E040200      2340
028 F010200      5172
028 F020200     27262
028 F030200         0
028 F040200      5226
028 G010200     26558
028 G020200     27262
028 G030200         0
028 G040200     15982
028 H000200         0
045  000200 Y
046  000200 N
047  000200 Y
048  000200  0.000
048 A010200    25000
048 A020200 0.950
048 B010200        0
048 B020200 0.000
048 C010200        0
048 C020200 0.000
048 D010200        0
048 D020200 0.000
048 E010200        0
048 E020200 0.000
048 F010200        0
048 F020200 0.000
048 G010200        0
048 G020200 0.000
048 H010200        0
048 H020200 0.000
048 I010200        0
048 I020200 0.000
048 J010200        0
048 J020200 0.000
048 K010200    25000
048 K020200 0.875
049  000200 N
050  000200 N
051  000200 N
052  000200 N
053 A000200 N
058 A000200 Y
058 B000200 Y
059  000200 Y
060 A000200 Y
<PAGE>      PAGE  12
060 B000200 Y
061  000200     2000
062 A000200 N
062 B000200   0.0
062 C000200   0.0
062 D000200   0.0
062 E000200   0.0
062 F000200   0.0
062 G000200   0.0
062 H000200   0.0
062 I000200   0.0
062 J000200   0.0
062 K000200   0.0
062 L000200   0.0
062 M000200   0.0
062 N000200   0.0
062 O000200   0.0
062 P000200   0.0
062 Q000200   0.0
062 R000200   0.0
063 A000200   0
063 B000200  0.0
066 A000200 Y
066 B000200 N
066 C000200 Y
066 D000200 N
066 E000200 N
066 F000200 N
066 G000200 N
067  000200 N
068 A000200 N
068 B000200 N
069  000200 N
070 A010200 Y
070 A020200 N
070 B010200 Y
070 B020200 N
070 C010200 Y
070 C020200 N
070 D010200 Y
070 D020200 N
070 E010200 Y
070 E020200 N
070 F010200 Y
070 F020200 N
070 G010200 Y
070 G020200 N
070 H010200 Y
070 H020200 N
070 I010200 Y
070 I020200 N
<PAGE>      PAGE  13
070 J010200 Y
070 J020200 N
070 K010200 Y
070 K020200 N
070 L010200 Y
070 L020200 Y
070 M010200 Y
070 M020200 Y
070 N010200 Y
070 N020200 N
070 O010200 N
070 O020200 N
070 P010200 Y
070 P020200 N
070 Q010200 N
070 Q020200 N
070 R010200 Y
070 R020200 N
071 A000200    151293
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071 D000200   65
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072 K000200        0
072 L000200       37
072 M000200        3
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072 Q000200        0
072 R000200       20
072 S000200        2
072 T000200        0
072 U000200        0
072 V000200        0
072 W000200        5
072 X000200     1134
072 Y000200        1
072 Z000200     -721
072AA000200    39660
072BB000200        0
072CC010200    15271
<PAGE>      PAGE  14
072CC020200        0
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073 A010200   0.0000
073 A020200   0.0000
073 B000200   3.5200
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074 R040200      107
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074 V010200    25.96
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074 W000200   0.0000
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076  000200     0.00
024  000300 Y
025 A000301 CS FIRST BOSTON
025 B000301 13-5659485
025 C000301 D
025 D000301     877
025 A000302 DELETE
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<PAGE>      PAGE  15
025 D000306       0
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045  000300 Y
046  000300 N
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048 A010300    50000
048 A020300 0.950
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048 B020300 0.850
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048 E010300        0
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<PAGE>      PAGE  16
048 H020300 0.000
048 I010300        0
048 I020300 0.000
048 J010300        0
048 J020300 0.000
048 K010300   125000
048 K020300 0.750
049  000300 N
050  000300 N
051  000300 N
052  000300 N
053 A000300 N
058 A000300 Y
058 B000300 Y
059  000300 Y
060 A000300 Y
060 B000300 Y
061  000300     2000
062 A000300 N
062 B000300   0.0
062 C000300   0.0
062 D000300   0.0
062 E000300   0.0
062 F000300   0.0
062 G000300   0.0
062 H000300   0.0
062 I000300   0.0
062 J000300   0.0
062 K000300   0.0
062 L000300   0.0
062 M000300   0.0
062 N000300   0.0
062 O000300   0.0
062 P000300   0.0
062 Q000300   0.0
062 R000300   0.0
063 A000300   0
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066 A000300 Y
066 B000300 N
066 C000300 Y
066 D000300 N
066 E000300 N
066 F000300 N
066 G000300 N
067  000300 N
068 A000300 N
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069  000300 N
070 A010300 Y
070 A020300 Y
<PAGE>      PAGE  17
070 B010300 Y
070 B020300 N
070 C010300 Y
070 C020300 N
070 D010300 Y
070 D020300 N
070 E010300 Y
070 E020300 N
070 F010300 Y
070 F020300 N
070 G010300 Y
070 G020300 N
070 H010300 Y
070 H020300 N
070 I010300 Y
070 I020300 N
070 J010300 Y
070 J020300 Y
070 K010300 Y
070 K020300 Y
070 L010300 Y
070 L020300 Y
070 M010300 Y
070 M020300 Y
070 N010300 Y
070 N020300 N
070 O010300 N
070 O020300 N
070 P010300 Y
070 P020300 N
070 Q010300 N
070 Q020300 N
070 R010300 Y
070 R020300 N
071 A000300     34390
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<PAGE>      PAGE  18
072 N000300        1
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<PAGE>      PAGE  19
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<PAGE>      PAGE  20
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050  000400 N
051  000400 N
052  000400 N
053 A000400 N
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059  000400 Y
060 A000400 Y
060 B000400 Y
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<PAGE>      PAGE  21
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064 B000400 N
066 A000400 N
067  000400 N
068 A000400 N
068 B000400 N
069  000400 N
070 A010400 Y
070 A020400 Y
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070 B020400 N
070 C010400 N
070 C020400 N
070 D010400 N
070 D020400 N
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070 E020400 N
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070 F020400 N
070 G010400 Y
070 G020400 N
070 H010400 Y
070 H020400 N
070 I010400 Y
070 I020400 N
070 J010400 Y
070 J020400 N
070 K010400 N
070 K020400 N
070 L010400 N
070 L020400 N
070 M010400 N
070 M020400 N
070 N010400 N
070 N020400 N
070 O010400 N
070 O020400 N
070 P010400 Y
070 P020400 N
070 Q010400 N
070 Q020400 N
070 R010400 N
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<PAGE>      PAGE  22
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<PAGE>      PAGE  23
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025 B000501 13-5659485
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<PAGE>      PAGE  24
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050  000500 N
051  000500 N
052  000500 N
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<PAGE>      PAGE  25
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067  000500 N
068 A000500 N
068 B000500 N
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070 A010500 Y
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070 J020500 N
070 K010500 N
070 K020500 N
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070 L020500 Y
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<PAGE>      PAGE  26
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070 Q020500 N
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<PAGE>      PAGE  27
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024  000600 Y
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025 B000601 94-2856935
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<PAGE>      PAGE  28
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050  000600 N
051  000600 N
<PAGE>      PAGE  29
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<PAGE>      PAGE  30
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070 O020600 N
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<PAGE>      PAGE  31
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025 B000701 52-1235572
025 C000701 E
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<PAGE>      PAGE  32
025 A000702 MERRILL LYNCH & COMPANY, INC.
025 B000702 13-5674085
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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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048 F010800        0
048 F020800 0.000
048 G010800        0
048 G020800 0.000
048 H010800        0
048 H020800 0.000
048 I010800        0
048 I020800 0.000
048 J010800        0
048 J020800 0.000
048 K010800   500000
048 K020800 0.400
049  000800 N
050  000800 N
051  000800 N
052  000800 N
053 A000800 N
058 A000800 Y
058 B000800 Y
<PAGE>      PAGE  38
059  000800 Y
060 A000800 Y
060 B000800 Y
061  000800     2000
062 A000800 Y
062 B000800   0.0
062 C000800   0.0
062 D000800   3.9
062 E000800   0.0
062 F000800   0.0
062 G000800   0.0
062 H000800   0.0
062 I000800   0.0
062 J000800   0.0
062 K000800   0.0
062 L000800   0.0
062 M000800  37.7
062 N000800  10.2
062 O000800   0.0
062 P000800  32.8
062 Q000800  14.5
062 R000800   0.0
063 A000800   0
063 B000800  2.4
064 A000800 N
064 B000800 N
066 A000800 N
067  000800 N
068 A000800 N
068 B000800 N
069  000800 N
070 A010800 Y
070 A020800 Y
070 B010800 Y
070 B020800 N
070 C010800 Y
070 C020800 N
070 D010800 Y
070 D020800 N
070 E010800 Y
070 E020800 N
070 F010800 Y
070 F020800 N
070 G010800 Y
070 G020800 N
070 H010800 Y
070 H020800 N
070 I010800 Y
070 I020800 N
070 J010800 Y
070 J020800 Y
<PAGE>      PAGE  39
070 K010800 Y
070 K020800 N
070 L010800 Y
070 L020800 Y
070 M010800 Y
070 M020800 Y
070 N010800 Y
070 N020800 N
070 O010800 N
070 O020800 N
070 P010800 Y
070 P020800 N
070 Q010800 N
070 Q020800 N
070 R010800 N
070 R020800 N
071 A000800     16320
071 B000800      7964
071 C000800     35398
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072 B000800     1107
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072 G000800       33
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072 I000800        0
072 J000800        3
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072 L000800        7
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072 P000800        0
072 Q000800        0
072 R000800       12
072 S000800        1
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072 U000800        0
072 V000800        0
072 W000800        3
072 X000800      153
072 Y000800        0
072 Z000800      954
072AA000800        0
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072CC020800      465
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<PAGE>      PAGE  40
072DD020800        0
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073 A010800   0.0600
073 A020800   0.0000
073 B000800   0.0000
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074 B000800     1812
074 C000800        0
074 D000800    43808
074 E000800        0
074 F000800        0
074 G000800        0
074 H000800        0
074 I000800        0
074 J000800        2
074 K000800        0
074 L000800      455
074 M000800        1
074 N000800    46093
074 O000800        0
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074 Q000800        0
074 R010800        0
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074 R030800        0
074 R040800       36
074 S000800        0
074 T000800    46035
074 U010800    19103
074 U020800        0
074 V010800     2.41
074 V020800     0.00
074 W000800   0.0000
074 X000800        6
074 Y000800   128521
075 A000800        0
075 B000800    37432
076  000800     0.00
024  000900 N
025 D000901       0
025 D000902       0
025 D000903       0
025 D000904       0
025 D000905       0
025 D000906       0
025 D000907       0
025 D000908       0
028 A010900       499
028 A020900         0
028 A030900         0
<PAGE>      PAGE  41
028 A040900         3
028 B010900       599
028 B020900         0
028 B030900         0
028 B040900        22
028 C010900      1055
028 C020900         0
028 C030900         0
028 C040900       143
028 D010900      1067
028 D020900         0
028 D030900         0
028 D040900         0
028 E010900      1791
028 E020900         0
028 E030900         0
028 E040900         0
028 F010900      1690
028 F020900       210
028 F030900         0
028 F040900         0
028 G010900      6701
028 G020900       210
028 G030900         0
028 G040900       168
028 H000900         0
045  000900 Y
046  000900 N
047  000900 Y
048  000900  0.100
048 A010900        0
048 A020900 0.000
048 B010900        0
048 B020900 0.000
048 C010900        0
048 C020900 0.000
048 D010900        0
048 D020900 0.000
048 E010900        0
048 E020900 0.000
048 F010900        0
048 F020900 0.000
048 G010900        0
048 G020900 0.000
048 H010900        0
048 H020900 0.000
048 I010900        0
048 I020900 0.000
048 J010900        0
048 J020900 0.000
048 K010900        0
<PAGE>      PAGE  42
048 K020900 0.000
049  000900 N
050  000900 N
051  000900 N
052  000900 N
053 A000900 Y
053 B000900 Y
053 C000900 N
058 A000900 Y
058 B000900 Y
059  000900 Y
060 A000900 Y
060 B000900 Y
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062 A000900 N
062 B000900   0.0
062 C000900   0.0
062 D000900   0.0
062 E000900   0.0
062 F000900   0.0
062 G000900   0.0
062 H000900   0.0
062 I000900   0.0
062 J000900   0.0
062 K000900   0.0
062 L000900   0.0
062 M000900   0.0
062 N000900   0.0
062 O000900   0.0
062 P000900   0.0
062 Q000900   0.0
062 R000900   0.0
063 A000900   0
063 B000900  0.0
066 A000900 Y
066 B000900 N
066 C000900 Y
066 D000900 N
066 E000900 N
066 F000900 N
066 G000900 N
067  000900 N
068 A000900 N
068 B000900 N
069  000900 N
070 A010900 Y
070 A020900 Y
070 B010900 Y
070 B020900 N
070 C010900 Y
070 C020900 N
<PAGE>      PAGE  43
070 D010900 Y
070 D020900 N
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 Y
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 Y
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      8460
071 B000900      1050
071 C000900      7992
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072 F000900        4
072 G000900        6
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072 M000900        0
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<PAGE>      PAGE  44
072 R000900        5
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072 T000900        0
072 U000900        4
072 V000900        0
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072 X000900       22
072 Y000900        8
072 Z000900       18
072AA000900      893
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072DD020900        0
072EE000900       85
073 A010900   0.1600
073 A020900   0.0000
073 B000900   0.1100
073 C000900   0.0000
074 A000900       66
074 B000900        0
074 C000900        0
074 D000900        0
074 E000900        0
074 F000900        0
074 G000900        0
074 H000900        0
074 I000900    12831
074 J000900        0
074 K000900        0
074 L000900       18
074 M000900       24
074 N000900    12939
074 O000900        0
074 P000900       15
074 Q000900        0
074 R010900        0
074 R020900        0
074 R030900        0
074 R040900        9
074 S000900        0
074 T000900    12915
074 U010900      821
074 U020900        0
074 V010900    15.73
074 V020900     0.00
074 W000900   0.0000
074 X000900        1
074 Y000900        0
075 A000900        0
<PAGE>      PAGE  45
075 B000900     7881
076  000900     0.00
024  001000 N
025 D001001       0
025 D001002       0
025 D001003       0
025 D001004       0
025 D001005       0
025 D001006       0
025 D001007       0
025 D001008       0
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028 A031000         0
028 A041000         0
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028 B031000         0
028 B041000         0
028 C011000      1589
028 C021000         0
028 C031000         0
028 C041000        41
028 D011000      2337
028 D021000         0
028 D031000         0
028 D041000         0
028 E011000      2892
028 E021000         0
028 E031000         0
028 E041000         0
028 F011000      5274
028 F021000       573
028 F031000         0
028 F041000         3
028 G011000     14534
028 G021000       573
028 G031000         0
028 G041000        44
028 H001000         0
045  001000 Y
046  001000 N
047  001000 Y
048  001000  0.100
048 A011000        0
048 A021000 0.000
048 B011000        0
048 B021000 0.000
048 C011000        0
048 C021000 0.000
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<PAGE>      PAGE  46
048 D021000 0.000
048 E011000        0
048 E021000 0.000
048 F011000        0
048 F021000 0.000
048 G011000        0
048 G021000 0.000
048 H011000        0
048 H021000 0.000
048 I011000        0
048 I021000 0.000
048 J011000        0
048 J021000 0.000
048 K011000        0
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 Y
058 B001000 Y
059  001000 Y
060 A001000 Y
060 B001000 Y
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062 A001000 N
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062 D001000   0.0
062 E001000   0.0
062 F001000   0.0
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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
063 B001000  0.0
066 A001000 Y
066 B001000 N
066 C001000 Y
<PAGE>      PAGE  47
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 Y
070 B011000 Y
070 B021000 N
070 C011000 Y
070 C021000 N
070 D011000 Y
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 Y
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 Y
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070 O011000 N
070 O021000 N
070 P011000 N
070 P021000 N
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070 Q021000 N
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<PAGE>      PAGE  48
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072EE001000      288
073 A011000   0.1600
073 A021000   0.0000
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074 B001000      179
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074 D001000        0
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074 G001000        0
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074 L001000      400
074 M001000       24
074 N001000    27070
074 O001000        0
074 P001000       18
074 Q001000        0
<PAGE>      PAGE  49
074 R011000        0
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074 R041000       11
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074 T001000    27041
074 U011000     1903
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074 W001000   0.0000
074 X001000        1
074 Y001000        0
075 A001000        0
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024  001100 N
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028 G011100     22184
028 G021100       854
<PAGE>      PAGE  50
028 G031100         0
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045  001100 Y
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048 I021100 0.000
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048 J021100 0.000
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048 K021100 0.000
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050  001100 N
051  001100 N
052  001100 N
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058 A001100 Y
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062 E001100   0.0
062 F001100   0.0
062 G001100   0.0
062 H001100   0.0
062 I001100   0.0
<PAGE>      PAGE  51
062 J001100   0.0
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062 P001100   0.0
062 Q001100   0.0
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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 Y
070 B011100 Y
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070 C011100 Y
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070 D011100 Y
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
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070 I021100 N
070 J011100 Y
070 J021100 N
070 K011100 Y
070 K021100 Y
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070 L021100 N
070 M011100 N
070 M021100 N
070 N011100 Y
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<PAGE>      PAGE  52
070 O021100 N
070 P011100 N
070 P021100 N
070 Q011100 N
070 Q021100 N
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071 A001100     30273
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072EE001100      246
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<PAGE>      PAGE  53
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074 Q001100        0
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074 W001100   0.0000
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075 A001100        0
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024  001200 N
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025 D001202       0
025 D001203       0
025 D001204       0
025 D001205       0
025 D001206       0
025 D001207       0
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028 C011200      1067
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<PAGE>      PAGE  54
028 D011200      1364
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028 E011200      2591
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045  001200 Y
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048 I021200 0.000
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048 J021200 0.000
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050  001200 N
051  001200 N
052  001200 N
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<PAGE>      PAGE  55
058 B001200 Y
059  001200 Y
060 A001200 Y
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062 O001200   0.0
062 P001200   0.0
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066 D001200 N
066 E001200 N
066 F001200 N
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067  001200 N
068 A001200 N
068 B001200 N
069  001200 N
070 A011200 Y
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070 B011200 Y
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070 C011200 Y
070 C021200 N
070 D011200 Y
070 D021200 N
070 E011200 Y
070 E021200 N
070 F011200 Y
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070 G011200 Y
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<PAGE>      PAGE  56
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070 I021200 N
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070 J021200 N
070 K011200 Y
070 K021200 Y
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070 L021200 N
070 M011200 N
070 M021200 N
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070 O011200 N
070 O021200 N
070 P011200 N
070 P021200 N
070 Q011200 N
070 Q021200 N
070 R011200 N
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071 A001200      9140
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072 Z001200      123
<PAGE>      PAGE  57
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073 A021200   0.0000
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073 C001200   0.0000
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074 C001200        0
074 D001200        0
074 E001200        0
074 F001200        0
074 G001200        0
074 H001200        0
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025 D001306       0
<PAGE>      PAGE  58
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025 D001308       0
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028 B031300         0
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028 E031300         0
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045  001300 Y
046  001300 N
047  001300 Y
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048 F021300 0.000
048 G011300        0
048 G021300 0.000
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048 H021300 0.000
<PAGE>      PAGE  59
048 I011300        0
048 I021300 0.000
048 J011300        0
048 J021300 0.000
048 K011300        0
048 K021300 0.000
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050  001300 N
051  001300 N
052  001300 N
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053 B001300 Y
053 C001300 N
058 A001300 Y
058 B001300 Y
059  001300 Y
060 A001300 Y
060 B001300 Y
061  001300     2000
062 A001300 N
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062 C001300   0.0
062 D001300   0.0
062 E001300   0.0
062 F001300   0.0
062 G001300   0.0
062 H001300   0.0
062 I001300   0.0
062 J001300   0.0
062 K001300   0.0
062 L001300   0.0
062 M001300   0.0
062 N001300   0.0
062 O001300   0.0
062 P001300   0.0
062 Q001300   0.0
062 R001300   0.0
063 A001300   0
063 B001300  0.0
066 A001300 Y
066 B001300 N
066 C001300 N
066 D001300 N
066 E001300 N
066 F001300 N
066 G001300 Y
067  001300 N
068 A001300 N
068 B001300 N
069  001300 N
070 A011300 Y
<PAGE>      PAGE  60
070 A021300 Y
070 B011300 Y
070 B021300 N
070 C011300 Y
070 C021300 N
070 D011300 Y
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 Y
070 I021300 N
070 J011300 Y
070 J021300 N
070 K011300 Y
070 K021300 Y
070 L011300 N
070 L021300 N
070 M011300 N
070 M021300 N
070 N011300 Y
070 N021300 N
070 O011300 N
070 O021300 N
070 P011300 N
070 P021300 N
070 Q011300 N
070 Q021300 N
070 R011300 N
070 R021300 N
071 A001300      3130
071 B001300       499
071 C001300      1854
071 D001300   27
072 A001300  6
072 B001300        0
072 C001300       75
072 D001300        0
072 E001300        0
072 F001300        1
072 G001300        1
072 H001300        0
072 I001300        0
072 J001300        1
072 K001300        0
072 L001300        0
<PAGE>      PAGE  61
072 M001300        0
072 N001300        0
072 O001300        0
072 P001300        0
072 Q001300        0
072 R001300        5
072 S001300        0
072 T001300        0
072 U001300        0
072 V001300        0
072 W001300        0
072 X001300        8
072 Y001300        5
072 Z001300       72
072AA001300        0
072BB001300        2
072CC011300        0
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072DD011300       87
072DD021300        0
072EE001300        2
073 A011300   0.4000
073 A021300   0.0000
073 B001300   0.0100
073 C001300   0.0000
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074 B001300        0
074 C001300        0
074 D001300        0
074 E001300        0
074 F001300        0
074 G001300        0
074 H001300        0
074 I001300     3399
074 J001300        0
074 K001300        0
074 L001300        0
074 M001300        0
074 N001300     3420
074 O001300        0
074 P001300        2
074 Q001300        0
074 R011300        0
074 R021300        0
074 R031300        0
074 R041300        8
074 S001300        0
074 T001300     3410
074 U011300      339
074 U021300        0
074 V011300    10.07
<PAGE>      PAGE  62
074 V021300     0.00
074 W001300   0.0000
074 X001300        1
074 Y001300        0
075 A001300        0
075 B001300     1856
076  001300     0.00
024  001400 Y
025 A001401 MERRILL LYNCH & COMPANY
025 B001401 13-5674085
025 C001401 D
025 D001401      92
025 A001402 CS FIRST BOSTON
025 B001402 13-5659485
025 C001402 D
025 D001402    2716
025 D001403       0
025 D001404       0
025 D001405       0
025 D001406       0
025 D001407       0
025 D001408       0
028 A011400       510
028 A021400         0
028 A031400         0
028 A041400         0
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028 B021400         0
028 B031400         0
028 B041400         1
028 C011400       730
028 C021400         0
028 C031400         0
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028 D011400      1051
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028 D031400         0
028 D041400        38
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028 E031400         0
028 E041400        11
028 F011400      1080
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028 F031400         0
028 F041400         0
028 G011400      5158
028 G021400        19
028 G031400         0
028 G041400       125
028 H001400         0
<PAGE>      PAGE  63
045  001400 Y
046  001400 N
047  001400 Y
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048 A011400   500000
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048 C021400 0.000
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048 D021400 0.000
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048 E021400 0.000
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048 F021400 0.000
048 G011400        0
048 G021400 0.000
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048 H021400 0.000
048 I011400        0
048 I021400 0.000
048 J011400        0
048 J021400 0.000
048 K011400   500000
048 K021400 0.500
049  001400 N
050  001400 N
051  001400 N
052  001400 N
053 A001400 N
058 A001400 Y
058 B001400 Y
059  001400 Y
060 A001400 Y
060 B001400 Y
061  001400     2000
062 A001400 N
062 B001400   0.0
062 C001400   0.0
062 D001400   0.0
062 E001400   0.0
062 F001400   0.0
062 G001400   0.0
062 H001400   0.0
062 I001400   0.0
062 J001400   0.0
062 K001400   0.0
062 L001400   0.0
062 M001400   0.0
062 N001400   0.0
<PAGE>      PAGE  64
062 O001400   0.0
062 P001400   0.0
062 Q001400   0.0
062 R001400   0.0
063 A001400   0
063 B001400  0.0
066 A001400 Y
066 B001400 N
066 C001400 N
066 D001400 N
066 E001400 Y
066 F001400 N
066 G001400 N
067  001400 N
068 A001400 N
068 B001400 N
069  001400 N
070 A011400 Y
070 A021400 Y
070 B011400 Y
070 B021400 N
070 C011400 Y
070 C021400 N
070 D011400 Y
070 D021400 N
070 E011400 Y
070 E021400 N
070 F011400 Y
070 F021400 N
070 G011400 Y
070 G021400 N
070 H011400 Y
070 H021400 N
070 I011400 N
070 I021400 N
070 J011400 Y
070 J021400 Y
070 K011400 N
070 K021400 N
070 L011400 Y
070 L021400 Y
070 M011400 N
070 M021400 N
070 N011400 Y
070 N021400 N
070 O011400 N
070 O021400 N
070 P011400 Y
070 P021400 N
070 Q011400 N
070 Q021400 N
<PAGE>      PAGE  65
070 R011400 N
070 R021400 N
071 A001400      3762
071 B001400       372
071 C001400      3121
071 D001400   12
072 A001400  6
072 B001400       84
072 C001400       14
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072 E001400        0
072 F001400       15
072 G001400        4
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072 I001400        0
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072 P001400        0
072 Q001400        0
072 R001400        8
072 S001400        0
072 T001400        0
072 U001400        0
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072 W001400        2
072 X001400       32
072 Y001400        0
072 Z001400       66
072AA001400       64
072BB001400        0
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072DD021400        0
072EE001400        0
073 A011400   0.0300
073 A021400   0.0000
073 B001400   0.0000
073 C001400   0.0000
074 A001400        1
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074 C001400        0
074 D001400     2388
074 E001400      190
074 F001400     2812
074 G001400        0
074 H001400        0
<PAGE>      PAGE  66
074 I001400        0
074 J001400        0
074 K001400        0
074 L001400       34
074 M001400        0
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074 O001400      256
074 P001400       12
074 Q001400        0
074 R011400        0
074 R021400        0
074 R031400        0
074 R041400       12
074 S001400        0
074 T001400     7861
074 U011400      737
074 U021400        0
074 V011400    10.67
074 V021400     0.00
074 W001400   0.0000
074 X001400        2
074 Y001400        0
075 A001400        0
075 B001400     4797
076  001400     0.00
024  001500 Y
025 A001501 CS FIRST BOSTON
025 B001501 13-5659485
025 C001501 D
025 D001501     561
025 D001502       0
025 D001503       0
025 D001504       0
025 D001505       0
025 D001506       0
025 D001507       0
025 D001508       0
028 A011500       221
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028 A031500         0
028 A041500        10
028 B011500       218
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028 B031500         0
028 B041500         5
028 C011500       773
028 C021500         0
028 C031500         0
028 C041500         6
028 D011500       678
028 D021500         0
<PAGE>      PAGE  67
028 D031500         0
028 D041500         0
028 E011500       788
028 E021500         0
028 E031500         0
028 E041500         0
028 F011500       506
028 F021500        71
028 F031500         0
028 F041500       675
028 G011500      3184
028 G021500        71
028 G031500         0
028 G041500       696
028 H001500         0
045  001500 Y
046  001500 N
047  001500 Y
048  001500  0.000
048 A011500   500000
048 A021500 0.625
048 B011500        0
048 B021500 0.000
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048 C021500 0.000
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048 D021500 0.000
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048 E021500 0.000
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048 F021500 0.000
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048 H021500 0.000
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048 I021500 0.000
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048 J021500 0.000
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048 K021500 0.500
049  001500 N
050  001500 N
051  001500 N
052  001500 N
053 A001500 Y
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058 A001500 Y
058 B001500 Y
059  001500 Y
<PAGE>      PAGE  68
060 A001500 Y
060 B001500 Y
061  001500     2000
062 A001500 N
062 B001500   0.0
062 C001500   0.0
062 D001500   0.0
062 E001500   0.0
062 F001500   0.0
062 G001500   0.0
062 H001500   0.0
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062 N001500   0.0
062 O001500   0.0
062 P001500   0.0
062 Q001500   0.0
062 R001500   0.0
063 A001500   0
063 B001500  0.0
066 A001500 Y
066 B001500 N
066 C001500 N
066 D001500 Y
066 E001500 N
066 F001500 N
066 G001500 N
067  001500 N
068 A001500 N
068 B001500 N
069  001500 N
070 A011500 Y
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070 B011500 Y
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070 C021500 N
070 D011500 Y
070 D021500 N
070 E011500 Y
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070 F021500 N
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070 G021500 N
070 H011500 Y
070 H021500 N
070 I011500 Y
<PAGE>      PAGE  69
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070 J021500 N
070 K011500 N
070 K021500 N
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070 L021500 N
070 M011500 N
070 M021500 N
070 N011500 Y
070 N021500 N
070 O011500 N
070 O021500 N
070 P011500 Y
070 P021500 N
070 Q011500 N
070 Q021500 N
070 R011500 N
070 R021500 N
071 A001500      3392
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<PAGE>      PAGE  70
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074 V011500    12.68
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074 Y001500        0
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SIGNATURE   JOHN WEST
TITLE       SECRETARY



<TABLE> <S> <C>

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<SERIES>
              <NUMBER> 111
              <NAME> WM VT BALANCED PORTFOLIO

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</TABLE>

<TABLE> <S> <C>

<ARTICLE>  6
<SERIES>
              <NUMBER> 141
              <NAME> WM VT BOND & STOCK FUND

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</TABLE>

<TABLE> <S> <C>

<ARTICLE>  6
<SERIES>
              <NUMBER> 101
              <NAME> WM VT CONSERVATIVE GROWTH PORTFOLIO

<S>                                      <C>
<PERIOD-TYPE>                            6-MOS
<FISCAL-YEAR-END>                        DEC-31-1999
<PERIOD-END>                             JUN-30-1999
<INVESTMENTS-AT-COST>                                       25,373,690
<INVESTMENTS-AT-VALUE>                                      26,629,864
<RECEIVABLES>                                                  399,917
<ASSETS-OTHER>                                                       0
<OTHER-ITEMS-ASSETS>                                            40,358
<TOTAL-ASSETS>                                              27,070,139
<PAYABLE-FOR-SECURITIES>                                             0
<SENIOR-LONG-TERM-DEBT>                                              0
<OTHER-ITEMS-LIABILITIES>                                       28,769
<TOTAL-LIABILITIES>                                             28,769
<SENIOR-EQUITY>                                                      0
<PAID-IN-CAPITAL-COMMON>                                    24,144,553
<SHARES-COMMON-STOCK>                                        1,902,818
<SHARES-COMMON-PRIOR>                                          803,155
<ACCUMULATED-NII-CURRENT>                                       67,509
<OVERDISTRIBUTION-NII>                                               0
<ACCUMULATED-NET-GAINS>                                      1,573,134
<OVERDISTRIBUTION-GAINS>                                             0
<ACCUM-APPREC-OR-DEPREC>                                     1,256,174
<NET-ASSETS>                                                27,041,370
<DIVIDEND-INCOME>                                               92,944
<INTEREST-INCOME>                                                3,120
<OTHER-INCOME>                                                       0
<EXPENSES-NET>                                                  27,568
<NET-INVESTMENT-INCOME>                                         68,496
<REALIZED-GAINS-CURRENT>                                     1,632,024
<APPREC-INCREASE-CURRENT>                                      778,792
<NET-CHANGE-FROM-OPS>                                        2,479,312
<EQUALIZATION>                                                       0
<DISTRIBUTIONS-OF-INCOME>                                     (284,450)
<DISTRIBUTIONS-OF-GAINS>                                      (288,121)
<DISTRIBUTIONS-OTHER>                                                0
<NUMBER-OF-SHARES-SOLD>                                      1,062,683
<NUMBER-OF-SHARES-REDEEMED>                                     (3,314)
<SHARES-REINVESTED>                                             40,294
<NET-CHANGE-IN-ASSETS>                                      16,968,846
<ACCUMULATED-NII-PRIOR>                                        283,463
<ACCUMULATED-GAINS-PRIOR>                                      229,231
<OVERDISTRIB-NII-PRIOR>                                              0
<OVERDIST-NET-GAINS-PRIOR>                                           0
<GROSS-ADVISORY-FEES>                                            7,946
<INTEREST-EXPENSE>                                                   0
<GROSS-EXPENSE>                                                 33,942
<AVERAGE-NET-ASSETS>                                        16,023,958
<PER-SHARE-NAV-BEGIN>                                            12.54
<PER-SHARE-NII>                                                   0.06
<PER-SHARE-GAIN-APPREC>                                           1.93
<PER-SHARE-DIVIDEND>                                             (0.16)
<PER-SHARE-DISTRIBUTIONS>                                        (0.16)
<RETURNS-OF-CAPITAL>                                              0.00
<PER-SHARE-NAV-END>                                              14.21
<EXPENSE-RATIO>                                                   0.35


</TABLE>

<TABLE> <S> <C>

<ARTICLE>  6
<SERIES>
              <NUMBER> 061
              <NAME> WM VT EMERGING GROWTH FUND

<S>                                      <C>
<PERIOD-TYPE>                            6-MOS
<FISCAL-YEAR-END>                        DEC-31-1999
<PERIOD-END>                             JUN-30-1999
<INVESTMENTS-AT-COST>                                       30,316,574
<INVESTMENTS-AT-VALUE>                                      35,030,181
<RECEIVABLES>                                                  166,999
<ASSETS-OTHER>                                                       0
<OTHER-ITEMS-ASSETS>                                             1,214
<TOTAL-ASSETS>                                              35,198,394
<PAYABLE-FOR-SECURITIES>                                       226,551
<SENIOR-LONG-TERM-DEBT>                                              0
<OTHER-ITEMS-LIABILITIES>                                       83,611
<TOTAL-LIABILITIES>                                            310,162
<SENIOR-EQUITY>                                                      0
<PAID-IN-CAPITAL-COMMON>                                    29,585,959
<SHARES-COMMON-STOCK>                                        2,896,659
<SHARES-COMMON-PRIOR>                                        3,041,431
<ACCUMULATED-NII-CURRENT>                                      (99,234)
<OVERDISTRIBUTION-NII>                                               0
<ACCUMULATED-NET-GAINS>                                        687,900
<OVERDISTRIBUTION-GAINS>                                             0
<ACCUM-APPREC-OR-DEPREC>                                     4,713,607
<NET-ASSETS>                                                34,888,232
<DIVIDEND-INCOME>                                               48,701
<INTEREST-INCOME>                                               66,933
<OTHER-INCOME>                                                       0
<EXPENSES-NET>                                                 214,868
<NET-INVESTMENT-INCOME>                                        (99,234)
<REALIZED-GAINS-CURRENT>                                     1,411,538
<APPREC-INCREASE-CURRENT>                                      (51,134)
<NET-CHANGE-FROM-OPS>                                        1,261,170
<EQUALIZATION>                                                       0
<DISTRIBUTIONS-OF-INCOME>                                            0
<DISTRIBUTIONS-OF-GAINS>                                    (7,665,390)
<DISTRIBUTIONS-OTHER>                                                0
<NUMBER-OF-SHARES-SOLD>                                         96,621
<NUMBER-OF-SHARES-REDEEMED>                                   (917,950)
<SHARES-REINVESTED>                                            676,557
<NET-CHANGE-IN-ASSETS>                                      (9,491,610)
<ACCUMULATED-NII-PRIOR>                                              0
<ACCUMULATED-GAINS-PRIOR>                                    6,941,752
<OVERDISTRIB-NII-PRIOR>                                              0
<OVERDIST-NET-GAINS-PRIOR>                                           0
<GROSS-ADVISORY-FEES>                                          159,946
<INTEREST-EXPENSE>                                                   0
<GROSS-EXPENSE>                                                214,923
<AVERAGE-NET-ASSETS>                                        36,475,576
<PER-SHARE-NAV-BEGIN>                                            14.59
<PER-SHARE-NII>                                                  (0.03)
<PER-SHARE-GAIN-APPREC>                                           0.91
<PER-SHARE-DIVIDEND>                                              0.00
<PER-SHARE-DISTRIBUTIONS>                                        (3.43)
<RETURNS-OF-CAPITAL>                                              0.00
<PER-SHARE-NAV-END>                                              12.04
<EXPENSE-RATIO>                                                   1.19


</TABLE>

<TABLE> <S> <C>

<ARTICLE>  6
<SERIES>
              <NUMBER> 121
              <NAME> WM VT FLEXIBLE INCOME PORTFOLIO

<S>                                      <C>
<PERIOD-TYPE>                            6-MOS
<FISCAL-YEAR-END>                        DEC-31-1999
<PERIOD-END>                             JUN-30-1999
<INVESTMENTS-AT-COST>                                        9,968,937
<INVESTMENTS-AT-VALUE>                                       9,863,260
<RECEIVABLES>                                                   45,569
<ASSETS-OTHER>                                                       0
<OTHER-ITEMS-ASSETS>                                            46,197
<TOTAL-ASSETS>                                               9,955,026
<PAYABLE-FOR-SECURITIES>                                             0
<SENIOR-LONG-TERM-DEBT>                                              0
<OTHER-ITEMS-LIABILITIES>                                       13,549
<TOTAL-LIABILITIES>                                             13,549
<SENIOR-EQUITY>                                                      0
<PAID-IN-CAPITAL-COMMON>                                     9,844,646
<SHARES-COMMON-STOCK>                                          853,129
<SHARES-COMMON-PRIOR>                                           97,269
<ACCUMULATED-NII-CURRENT>                                        1,286
<OVERDISTRIBUTION-NII>                                               0
<ACCUMULATED-NET-GAINS>                                        201,222
<OVERDISTRIBUTION-GAINS>                                             0
<ACCUM-APPREC-OR-DEPREC>                                      (105,677)
<NET-ASSETS>                                                 9,941,477
<DIVIDEND-INCOME>                                              129,924
<INTEREST-INCOME>                                                1,084
<OTHER-INCOME>                                                       0
<EXPENSES-NET>                                                   7,605
<NET-INVESTMENT-INCOME>                                        123,403
<REALIZED-GAINS-CURRENT>                                       204,798
<APPREC-INCREASE-CURRENT>                                     (127,290)
<NET-CHANGE-FROM-OPS>                                          200,911
<EQUALIZATION>                                                       0
<DISTRIBUTIONS-OF-INCOME>                                     (139,419)
<DISTRIBUTIONS-OF-GAINS>                                        (8,409)
<DISTRIBUTIONS-OTHER>                                                0
<NUMBER-OF-SHARES-SOLD>                                        743,114
<NUMBER-OF-SHARES-REDEEMED>                                          0
<SHARES-REINVESTED>                                             12,746
<NET-CHANGE-IN-ASSETS>                                       8,834,116
<ACCUMULATED-NII-PRIOR>                                         17,302
<ACCUMULATED-GAINS-PRIOR>                                        4,833
<OVERDISTRIB-NII-PRIOR>                                              0
<OVERDIST-NET-GAINS-PRIOR>                                           0
<GROSS-ADVISORY-FEES>                                            2,189
<INTEREST-EXPENSE>                                                   0
<GROSS-EXPENSE>                                                 12,693
<AVERAGE-NET-ASSETS>                                         4,414,135
<PER-SHARE-NAV-BEGIN>                                            11.38
<PER-SHARE-NII>                                                   0.31
<PER-SHARE-GAIN-APPREC>                                           0.23
<PER-SHARE-DIVIDEND>                                             (0.26)
<PER-SHARE-DISTRIBUTIONS>                                        (0.01)
<RETURNS-OF-CAPITAL>                                              0.00
<PER-SHARE-NAV-END>                                              11.65
<EXPENSE-RATIO>                                                   0.35


</TABLE>

<TABLE> <S> <C>

<ARTICLE>  6
<SERIES>
              <NUMBER> 021
              <NAME> WM VT GROWTH FUND

<S>                                      <C>
<PERIOD-TYPE>                            6-MOS
<FISCAL-YEAR-END>                        DEC-31-1999
<PERIOD-END>                             JUN-30-1999
<INVESTMENTS-AT-COST>                                      165,164,554
<INVESTMENTS-AT-VALUE>                                     229,503,080
<RECEIVABLES>                                                4,106,577
<ASSETS-OTHER>                                                       0
<OTHER-ITEMS-ASSETS>                                         1,939,288
<TOTAL-ASSETS>                                             235,548,945
<PAYABLE-FOR-SECURITIES>                                     7,502,199
<SENIOR-LONG-TERM-DEBT>                                              0
<OTHER-ITEMS-LIABILITIES>                                      294,844
<TOTAL-LIABILITIES>                                          7,797,043
<SENIOR-EQUITY>                                                      0
<PAID-IN-CAPITAL-COMMON>                                   123,511,246
<SHARES-COMMON-STOCK>                                        8,774,148
<SHARES-COMMON-PRIOR>                                        7,289,760
<ACCUMULATED-NII-CURRENT>                                     (721,406)
<OVERDISTRIBUTION-NII>                                               0
<ACCUMULATED-NET-GAINS>                                     39,434,345
<OVERDISTRIBUTION-GAINS>                                             0
<ACCUM-APPREC-OR-DEPREC>                                    65,527,717
<NET-ASSETS>                                               227,751,902
<DIVIDEND-INCOME>                                              305,383
<INTEREST-INCOME>                                              105,816
<OTHER-INCOME>                                                       0
<EXPENSES-NET>                                               1,132,605
<NET-INVESTMENT-INCOME>                                       (721,406)
<REALIZED-GAINS-CURRENT>                                    39,659,774
<APPREC-INCREASE-CURRENT>                                   15,271,108
<NET-CHANGE-FROM-OPS>                                       54,209,476
<EQUALIZATION>                                                       0
<DISTRIBUTIONS-OF-INCOME>                                            0
<DISTRIBUTIONS-OF-GAINS>                                   (27,262,135)
<DISTRIBUTIONS-OTHER>                                                0
<NUMBER-OF-SHARES-SOLD>                                        981,255
<NUMBER-OF-SHARES-REDEEMED>                                   (608,700)
<SHARES-REINVESTED>                                          1,111,833
<NET-CHANGE-IN-ASSETS>                                      64,784,614
<ACCUMULATED-NII-PRIOR>                                              0
<ACCUMULATED-GAINS-PRIOR>                                   27,036,706
<OVERDISTRIB-NII-PRIOR>                                              0
<OVERDIST-NET-GAINS-PRIOR>                                           0
<GROSS-ADVISORY-FEES>                                          870,611
<INTEREST-EXPENSE>                                                   0
<GROSS-EXPENSE>                                              1,133,949
<AVERAGE-NET-ASSETS>                                       198,503,022
<PER-SHARE-NAV-BEGIN>                                            22.36
<PER-SHARE-NII>                                                  (0.08)
<PER-SHARE-GAIN-APPREC>                                           7.20
<PER-SHARE-DIVIDEND>                                              0.00
<PER-SHARE-DISTRIBUTIONS>                                        (3.52)
<RETURNS-OF-CAPITAL>                                              0.00
<PER-SHARE-NAV-END>                                              25.96
<EXPENSE-RATIO>                                                   1.15


</TABLE>

<TABLE> <S> <C>

<ARTICLE>  6
<SERIES>
              <NUMBER> 071
              <NAME> WM VT GROWTH & INCOME FUND

<S>                                      <C>
<PERIOD-TYPE>                            6-MOS
<FISCAL-YEAR-END>                        DEC-31-1998
<PERIOD-END>                             JUN-30-1999
<INVESTMENTS-AT-COST>                                      132,893,479
<INVESTMENTS-AT-VALUE>                                     163,652,174
<RECEIVABLES>                                                  222,751
<ASSETS-OTHER>                                                       0
<OTHER-ITEMS-ASSETS>                                             3,398
<TOTAL-ASSETS>                                             163,878,323
<PAYABLE-FOR-SECURITIES>                                     1,561,589
<SENIOR-LONG-TERM-DEBT>                                              0
<OTHER-ITEMS-LIABILITIES>                                      268,259
<TOTAL-LIABILITIES>                                          1,829,848
<SENIOR-EQUITY>                                                      0
<PAID-IN-CAPITAL-COMMON>                                   122,908,755
<SHARES-COMMON-STOCK>                                        8,925,198
<SHARES-COMMON-PRIOR>                                        7,383,677
<ACCUMULATED-NII-CURRENT>                                      305,764
<OVERDISTRIBUTION-NII>                                               0
<ACCUMULATED-NET-GAINS>                                      8,075,261
<OVERDISTRIBUTION-GAINS>                                             0
<ACCUM-APPREC-OR-DEPREC>                                    30,758,695
<NET-ASSETS>                                               162,048,475
<DIVIDEND-INCOME>                                              920,163
<INTEREST-INCOME>                                              112,297
<OTHER-INCOME>                                                       0
<EXPENSES-NET>                                                 721,105
<NET-INVESTMENT-INCOME>                                        311,355
<REALIZED-GAINS-CURRENT>                                     8,101,691
<APPREC-INCREASE-CURRENT>                                   11,806,513
<NET-CHANGE-FROM-OPS>                                       20,219,559
<EQUALIZATION>                                                       0
<DISTRIBUTIONS-OF-INCOME>                                     (305,700)
<DISTRIBUTIONS-OF-GAINS>                                   (11,096,092)
<DISTRIBUTIONS-OTHER>                                                0
<NUMBER-OF-SHARES-SOLD>                                      1,481,039
<NUMBER-OF-SHARES-REDEEMED>                                   (590,305)
<SHARES-REINVESTED>                                            650,787
<NET-CHANGE-IN-ASSETS>                                      36,753,913
<ACCUMULATED-NII-PRIOR>                                        300,109
<ACCUMULATED-GAINS-PRIOR>                                   11,069,662
<OVERDISTRIB-NII-PRIOR>                                              0
<OVERDIST-NET-GAINS-PRIOR>                                           0
<GROSS-ADVISORY-FEES>                                          538,080
<INTEREST-EXPENSE>                                                   0
<GROSS-EXPENSE>                                                722,115
<AVERAGE-NET-ASSETS>                                       138,010,353
<PER-SHARE-NAV-BEGIN>                                            16.97
<PER-SHARE-NII>                                                   0.04
<PER-SHARE-GAIN-APPREC>                                          2.530
<PER-SHARE-DIVIDEND>                                             (0.04)
<PER-SHARE-DISTRIBUTIONS>                                        (1.34)
<RETURNS-OF-CAPITAL>                                              0.00
<PER-SHARE-NAV-END>                                              18.16
<EXPENSE-RATIO>                                                   1.05


</TABLE>

<TABLE> <S> <C>

<ARTICLE>  6
<SERIES>
              <NUMBER> 051
              <NAME> WM VT INCOME FUND

<S>                                      <C>
<PERIOD-TYPE>                            6-MOS
<FISCAL-YEAR-END>                        DEC-31-1999
<PERIOD-END>                             JUN-30-1999
<INVESTMENTS-AT-COST>                                       56,349,524
<INVESTMENTS-AT-VALUE>                                      56,017,609
<RECEIVABLES>                                                  938,733
<ASSETS-OTHER>                                                       0
<OTHER-ITEMS-ASSETS>                                             2,397
<TOTAL-ASSETS>                                              56,958,739
<PAYABLE-FOR-SECURITIES>                                             0
<SENIOR-LONG-TERM-DEBT>                                              0
<OTHER-ITEMS-LIABILITIES>                                       66,170
<TOTAL-LIABILITIES>                                             66,170
<SENIOR-EQUITY>                                                      0
<PAID-IN-CAPITAL-COMMON>                                    59,572,771
<SHARES-COMMON-STOCK>                                        5,897,635
<SHARES-COMMON-PRIOR>                                        4,848,621
<ACCUMULATED-NII-CURRENT>                                       47,725
<OVERDISTRIBUTION-NII>                                               0
<ACCUMULATED-NET-GAINS>                                     (2,396,012)
<OVERDISTRIBUTION-GAINS>                                             0
<ACCUM-APPREC-OR-DEPREC>                                      (331,915)
<NET-ASSETS>                                                56,892,569
<DIVIDEND-INCOME>                                                    0
<INTEREST-INCOME>                                            1,903,500
<OTHER-INCOME>                                                       0
<EXPENSES-NET>                                                 229,414
<NET-INVESTMENT-INCOME>                                      1,674,086
<REALIZED-GAINS-CURRENT>                                      (200,960)
<APPREC-INCREASE-CURRENT>                                   (2,663,467)
<NET-CHANGE-FROM-OPS>                                       (1,190,341)
<EQUALIZATION>                                                       0
<DISTRIBUTIONS-OF-INCOME>                                   (1,705,819)
<DISTRIBUTIONS-OF-GAINS>                                             0
<DISTRIBUTIONS-OTHER>                                                0
<NUMBER-OF-SHARES-SOLD>                                      1,251,579
<NUMBER-OF-SHARES-REDEEMED>                                   (377,393)
<SHARES-REINVESTED>                                            174,828
<NET-CHANGE-IN-ASSETS>                                       7,238,811
<ACCUMULATED-NII-PRIOR>                                         79,458
<ACCUMULATED-GAINS-PRIOR>                                   (2,195,052)
<OVERDISTRIB-NII-PRIOR>                                              0
<OVERDIST-NET-GAINS-PRIOR>                                           0
<GROSS-ADVISORY-FEES>                                          159,448
<INTEREST-EXPENSE>                                                   0
<GROSS-EXPENSE>                                                229,417
<AVERAGE-NET-ASSETS>                                        49,467,583
<PER-SHARE-NAV-BEGIN>                                            10.24
<PER-SHARE-NII>                                                   0.33
<PER-SHARE-GAIN-APPREC>                                          (0.58)
<PER-SHARE-DIVIDEND>                                             (0.34)
<PER-SHARE-DISTRIBUTIONS>                                         0.00
<RETURNS-OF-CAPITAL>                                              0.00
<PER-SHARE-NAV-END>                                               9.65
<EXPENSE-RATIO>                                                   0.94


</TABLE>

<TABLE> <S> <C>

<ARTICLE>  6
<SERIES>
              <NUMBER> 131
              <NAME> WM VT INCOME PORTFOLIO

<S>                                      <C>
<PERIOD-TYPE>                            6-MOS
<FISCAL-YEAR-END>                        DEC-31-1999
<PERIOD-END>                             JUN-30-1999
<INVESTMENTS-AT-COST>                                        3,468,747
<INVESTMENTS-AT-VALUE>                                       3,398,860
<RECEIVABLES>                                                      151
<ASSETS-OTHER>                                                       0
<OTHER-ITEMS-ASSETS>                                            20,622
<TOTAL-ASSETS>                                               3,419,633
<PAYABLE-FOR-SECURITIES>                                             0
<SENIOR-LONG-TERM-DEBT>                                              0
<OTHER-ITEMS-LIABILITIES>                                        9,887
<TOTAL-LIABILITIES>                                              9,887
<SENIOR-EQUITY>                                                      0
<PAID-IN-CAPITAL-COMMON>                                     3,479,130
<SHARES-COMMON-STOCK>                                          338,620
<SHARES-COMMON-PRIOR>                                           79,607
<ACCUMULATED-NII-CURRENT>                                        3,951
<OVERDISTRIBUTION-NII>                                               0
<ACCUMULATED-NET-GAINS>                                         (3,448)
<OVERDISTRIBUTION-GAINS>                                             0
<ACCUM-APPREC-OR-DEPREC>                                       (69,887)
<NET-ASSETS>                                                 3,409,746
<DIVIDEND-INCOME>                                               75,194
<INTEREST-INCOME>                                                  115
<OTHER-INCOME>                                                       0
<EXPENSES-NET>                                                   3,192
<NET-INVESTMENT-INCOME>                                         72,117
<REALIZED-GAINS-CURRENT>                                        (2,430)
<APPREC-INCREASE-CURRENT>                                      (61,437)
<NET-CHANGE-FROM-OPS>                                            8,250
<EQUALIZATION>                                                       0
<DISTRIBUTIONS-OF-INCOME>                                      (86,582)
<DISTRIBUTIONS-OF-GAINS>                                        (2,003)
<DISTRIBUTIONS-OTHER>                                                0
<NUMBER-OF-SHARES-SOLD>                                        270,510
<NUMBER-OF-SHARES-REDEEMED>                                    (20,255)
<SHARES-REINVESTED>                                              8,758
<NET-CHANGE-IN-ASSETS>                                       2,580,602
<ACCUMULATED-NII-PRIOR>                                         18,416
<ACCUMULATED-GAINS-PRIOR>                                          985
<OVERDISTRIB-NII-PRIOR>                                              0
<OVERDIST-NET-GAINS-PRIOR>                                           0
<GROSS-ADVISORY-FEES>                                              920
<INTEREST-EXPENSE>                                                   0
<GROSS-EXPENSE>                                                  8,015
<AVERAGE-NET-ASSETS>                                         1,855,890
<PER-SHARE-NAV-BEGIN>                                            10.42
<PER-SHARE-NII>                                                   0.40
<PER-SHARE-GAIN-APPREC>                                          (0.34)
<PER-SHARE-DIVIDEND>                                             (0.40)
<PER-SHARE-DISTRIBUTIONS>                                        (0.01)
<RETURNS-OF-CAPITAL>                                              0.00
<PER-SHARE-NAV-END>                                              10.07
<EXPENSE-RATIO>                                                   0.35


</TABLE>

<TABLE> <S> <C>

<ARTICLE>  6
<SERIES>
              <NUMBER> 031
              <NAME> WM VT INTERNATIONAL GROWTH FUND

<S>                                      <C>
<PERIOD-TYPE>                            6-MOS
<FISCAL-YEAR-END>                        DEC-31-1999
<PERIOD-END>                             JUN-30-1999
<INVESTMENTS-AT-COST>                                       34,243,903
<INVESTMENTS-AT-VALUE>                                      40,061,773
<RECEIVABLES>                                               14,599,511
<ASSETS-OTHER>                                                       0
<OTHER-ITEMS-ASSETS>                                           588,857
<TOTAL-ASSETS>                                              55,250,141
<PAYABLE-FOR-SECURITIES>                                             0
<SENIOR-LONG-TERM-DEBT>                                              0
<OTHER-ITEMS-LIABILITIES>                                      107,889
<TOTAL-LIABILITIES>                                            107,889
<SENIOR-EQUITY>                                                      0
<PAID-IN-CAPITAL-COMMON>                                    52,877,661
<SHARES-COMMON-STOCK>                                        4,366,939
<SHARES-COMMON-PRIOR>                                        5,198,137
<ACCUMULATED-NII-CURRENT>                                    1,193,638
<OVERDISTRIBUTION-NII>                                               0
<ACCUMULATED-NET-GAINS>                                     (4,685,417)
<OVERDISTRIBUTION-GAINS>                                             0
<ACCUM-APPREC-OR-DEPREC>                                     5,756,370
<NET-ASSETS>                                                55,142,252
<DIVIDEND-INCOME>                                              809,505
<INTEREST-INCOME>                                               80,304
<OTHER-INCOME>                                                       0
<EXPENSES-NET>                                                 397,407
<NET-INVESTMENT-INCOME>                                        492,402
<REALIZED-GAINS-CURRENT>                                     1,121,227
<APPREC-INCREASE-CURRENT>                                    3,379,059
<NET-CHANGE-FROM-OPS>                                        4,992,688
<EQUALIZATION>                                                       0
<DISTRIBUTIONS-OF-INCOME>                                      (42,338)
<DISTRIBUTIONS-OF-GAINS>                                             0
<DISTRIBUTIONS-OTHER>                                                0
<NUMBER-OF-SHARES-SOLD>                                        442,135
<NUMBER-OF-SHARES-REDEEMED>                                 (1,276,683)
<SHARES-REINVESTED>                                              3,350
<NET-CHANGE-IN-ASSETS>                                      (5,217,815)
<ACCUMULATED-NII-PRIOR>                                        743,574
<ACCUMULATED-GAINS-PRIOR>                                   (5,806,644)
<OVERDISTRIB-NII-PRIOR>                                              0
<OVERDIST-NET-GAINS-PRIOR>                                           0
<GROSS-ADVISORY-FEES>                                          272,672
<INTEREST-EXPENSE>                                                   0
<GROSS-EXPENSE>                                                397,442
<AVERAGE-NET-ASSETS>                                        58,807,454
<PER-SHARE-NAV-BEGIN>                                            11.61
<PER-SHARE-NII>                                                   0.10
<PER-SHARE-GAIN-APPREC>                                           0.93
<PER-SHARE-DIVIDEND>                                             (0.01)
<PER-SHARE-DISTRIBUTIONS>                                         0.00
<RETURNS-OF-CAPITAL>                                              0.00
<PER-SHARE-NAV-END>                                              12.63
<EXPENSE-RATIO>                                                   1.36


</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>                            6-MOS
<FISCAL-YEAR-END>                        DEC-31-1999
<PERIOD-END>                             JUN-30-1999
<INVESTMENTS-AT-COST>                                       21,781,004
<INVESTMENTS-AT-VALUE>                                      21,781,004
<RECEIVABLES>                                                2,533,293
<ASSETS-OTHER>                                                       0
<OTHER-ITEMS-ASSETS>                                             1,179
<TOTAL-ASSETS>                                              24,315,476
<PAYABLE-FOR-SECURITIES>                                     1,005,463
<SENIOR-LONG-TERM-DEBT>                                              0
<OTHER-ITEMS-LIABILITIES>                                      132,116
<TOTAL-LIABILITIES>                                          1,137,579
<SENIOR-EQUITY>                                                      0
<PAID-IN-CAPITAL-COMMON>                                    23,155,251
<SHARES-COMMON-STOCK>                                       23,171,527
<SHARES-COMMON-PRIOR>                                       31,855,213
<ACCUMULATED-NII-CURRENT>                                       23,539
<OVERDISTRIBUTION-NII>                                               0
<ACCUMULATED-NET-GAINS>                                           (893)
<OVERDISTRIBUTION-GAINS>                                             0
<ACCUM-APPREC-OR-DEPREC>                                             0
<NET-ASSETS>                                                23,177,897
<DIVIDEND-INCOME>                                                    0
<INTEREST-INCOME>                                              736,070
<OTHER-INCOME>                                                       0
<EXPENSES-NET>                                                 100,096
<NET-INVESTMENT-INCOME>                                        635,974
<REALIZED-GAINS-CURRENT>                                          (468)
<APPREC-INCREASE-CURRENT>                                            0
<NET-CHANGE-FROM-OPS>                                          635,506
<EQUALIZATION>                                                       0
<DISTRIBUTIONS-OF-INCOME>                                     (635,974)
<DISTRIBUTIONS-OF-GAINS>                                             0
<DISTRIBUTIONS-OTHER>                                                0
<NUMBER-OF-SHARES-SOLD>                                      9,762,707
<NUMBER-OF-SHARES-REDEEMED>                                (19,077,037)
<SHARES-REINVESTED>                                            630,644
<NET-CHANGE-IN-ASSETS>                                      (8,684,154)
<ACCUMULATED-NII-PRIOR>                                         23,539
<ACCUMULATED-GAINS-PRIOR>                                         (425)
<OVERDISTRIB-NII-PRIOR>                                              0
<OVERDIST-NET-GAINS-PRIOR>                                           0
<GROSS-ADVISORY-FEES>                                           74,144
<INTEREST-EXPENSE>                                                   0
<GROSS-EXPENSE>                                                117,040
<AVERAGE-NET-ASSETS>                                        29,903,441
<PER-SHARE-NAV-BEGIN>                                             1.00
<PER-SHARE-NII>                                                      0
<PER-SHARE-GAIN-APPREC>                                          0.022
<PER-SHARE-DIVIDEND>                                            (0.022)
<PER-SHARE-DISTRIBUTIONS>                                       0.0000
<RETURNS-OF-CAPITAL>                                            0.0000
<PER-SHARE-NAV-END>                                               1.00
<EXPENSE-RATIO>                                                   0.68


</TABLE>

<TABLE> <S> <C>

<ARTICLE>  6
<SERIES>
              <NUMBER> 151
              <NAME> WM VT NORTHWEST FUND

<S>                                      <C>
<PERIOD-TYPE>                            6-MOS
<FISCAL-YEAR-END>                        DEC-31-1998
<PERIOD-END>                             JUN-30-1999
<INVESTMENTS-AT-COST>                                        4,655,164
<INVESTMENTS-AT-VALUE>                                       5,779,472
<RECEIVABLES>                                                   10,259
<ASSETS-OTHER>                                                       0
<OTHER-ITEMS-ASSETS>                                                48
<TOTAL-ASSETS>                                               5,789,779
<PAYABLE-FOR-SECURITIES>                                        31,918
<SENIOR-LONG-TERM-DEBT>                                              0
<OTHER-ITEMS-LIABILITIES>                                       91,630
<TOTAL-LIABILITIES>                                            123,548
<SENIOR-EQUITY>                                                      0
<PAID-IN-CAPITAL-COMMON>                                     4,558,055
<SHARES-COMMON-STOCK>                                          446,794
<SHARES-COMMON-PRIOR>                                          211,413
<ACCUMULATED-NII-CURRENT>                                       (5,542)
<OVERDISTRIBUTION-NII>                                               0
<ACCUMULATED-NET-GAINS>                                        (10,590)
<OVERDISTRIBUTION-GAINS>                                             0
<ACCUM-APPREC-OR-DEPREC>                                     1,124,308
<NET-ASSETS>                                                 5,666,231
<DIVIDEND-INCOME>                                               12,778
<INTEREST-INCOME>                                                9,187
<OTHER-INCOME>                                                       0
<EXPENSES-NET>                                                  27,766
<NET-INVESTMENT-INCOME>                                         (5,801)
<REALIZED-GAINS-CURRENT>                                        (2,125)
<APPREC-INCREASE-CURRENT>                                      872,108
<NET-CHANGE-FROM-OPS>                                          864,182
<EQUALIZATION>                                                       0
<DISTRIBUTIONS-OF-INCOME>                                            0
<DISTRIBUTIONS-OF-GAINS>                                       (71,039)
<DISTRIBUTIONS-OTHER>                                                0
<NUMBER-OF-SHARES-SOLD>                                        285,645
<NUMBER-OF-SHARES-REDEEMED>                                    (56,101)
<SHARES-REINVESTED>                                              5,837
<NET-CHANGE-IN-ASSETS>                                       3,352,871
<ACCUMULATED-NII-PRIOR>                                            259
<ACCUMULATED-GAINS-PRIOR>                                       62,574
<OVERDISTRIB-NII-PRIOR>                                              0
<OVERDIST-NET-GAINS-PRIOR>                                           0
<GROSS-ADVISORY-FEES>                                           11,600
<INTEREST-EXPENSE>                                                   0
<GROSS-EXPENSE>                                                 30,324
<AVERAGE-NET-ASSETS>                                         3,742,870
<PER-SHARE-NAV-BEGIN>                                            10.94
<PER-SHARE-NII>                                                  (0.01)
<PER-SHARE-GAIN-APPREC>                                           1.92
<PER-SHARE-DIVIDEND>                                              0.00
<PER-SHARE-DISTRIBUTIONS>                                        (0.17)
<RETURNS-OF-CAPITAL>                                              0.00
<PER-SHARE-NAV-END>                                              12.68
<EXPENSE-RATIO>                                                   1.50


</TABLE>

<TABLE> <S> <C>

<ARTICLE>  6
<SERIES>
              <NUMBER> 081
              <NAME> WM VT ST HIGH QUALITY BOND FUND

<S>                                      <C>
<PERIOD-TYPE>                            6-MOS
<FISCAL-YEAR-END>                        DEC-31-1998
<PERIOD-END>                             JUN-30-1999
<INVESTMENTS-AT-COST>                                       45,861,375
<INVESTMENTS-AT-VALUE>                                      45,619,605
<RECEIVABLES>                                                  457,507
<ASSETS-OTHER>                                                       0
<OTHER-ITEMS-ASSETS>                                            15,835
<TOTAL-ASSETS>                                              46,092,947
<PAYABLE-FOR-SECURITIES>                                             0
<SENIOR-LONG-TERM-DEBT>                                              0
<OTHER-ITEMS-LIABILITIES>                                       57,703
<TOTAL-LIABILITIES>                                             57,703
<SENIOR-EQUITY>                                                      0
<PAID-IN-CAPITAL-COMMON>                                    46,817,355
<SHARES-COMMON-STOCK>                                       19,102,860
<SHARES-COMMON-PRIOR>                                       15,315,030
<ACCUMULATED-NII-CURRENT>                                       33,057
<OVERDISTRIBUTION-NII>                                               0
<ACCUMULATED-NET-GAINS>                                              0
<OVERDISTRIBUTION-GAINS>                                      (573,398)
<ACCUM-APPREC-OR-DEPREC>                                      (241,770)
<NET-ASSETS>                                                46,035,244
<DIVIDEND-INCOME>                                                    0
<INTEREST-INCOME>                                            1,106,550
<OTHER-INCOME>                                                       0
<EXPENSES-NET>                                                 152,315
<NET-INVESTMENT-INCOME>                                        954,235
<REALIZED-GAINS-CURRENT>                                       (45,969)
<APPREC-INCREASE-CURRENT>                                     (465,042)
<NET-CHANGE-FROM-OPS>                                          443,224
<EQUALIZATION>                                                       0
<DISTRIBUTIONS-OF-INCOME>                                     (931,878)
<DISTRIBUTIONS-OF-GAINS>                                             0
<DISTRIBUTIONS-OTHER>                                                0
<NUMBER-OF-SHARES-SOLD>                                      5,404,451
<NUMBER-OF-SHARES-REDEEMED>                                 (2,003,349)
<SHARES-REINVESTED>                                            386,728
<NET-CHANGE-IN-ASSETS>                                       8,635,947
<ACCUMULATED-NII-PRIOR>                                         10,700
<ACCUMULATED-GAINS-PRIOR>                                     (527,429)
<OVERDISTRIB-NII-PRIOR>                                              0
<OVERDIST-NET-GAINS-PRIOR>                                           0
<GROSS-ADVISORY-FEES>                                           92,812
<INTEREST-EXPENSE>                                                   0
<GROSS-EXPENSE>                                                152,589
<AVERAGE-NET-ASSETS>                                        37,432,445
<PER-SHARE-NAV-BEGIN>                                             2.44
<PER-SHARE-NII>                                                   0.06
<PER-SHARE-GAIN-APPREC>                                          (0.03)
<PER-SHARE-DIVIDEND>                                             (0.06)
<PER-SHARE-DISTRIBUTIONS>                                         0.00
<RETURNS-OF-CAPITAL>                                              0.00
<PER-SHARE-NAV-END>                                               2.41
<EXPENSE-RATIO>                                                   0.82


</TABLE>

<TABLE> <S> <C>

<ARTICLE>  6
<SERIES>
              <NUMBER> 091
              <NAME> WM VT STRATEGIC GROWTH PORTFOLIO

<S>                                      <C>
<PERIOD-TYPE>                            6-MOS
<FISCAL-YEAR-END>                        DEC-31-1999
<PERIOD-END>                             JUN-30-1999
<INVESTMENTS-AT-COST>                                       11,846,932
<INVESTMENTS-AT-VALUE>                                      12,830,588
<RECEIVABLES>                                                   18,296
<ASSETS-OTHER>                                                       0
<OTHER-ITEMS-ASSETS>                                            90,238
<TOTAL-ASSETS>                                              12,939,122
<PAYABLE-FOR-SECURITIES>                                             0
<SENIOR-LONG-TERM-DEBT>                                              0
<OTHER-ITEMS-LIABILITIES>                                       23,798
<TOTAL-LIABILITIES>                                             23,798
<SENIOR-EQUITY>                                                      0
<PAID-IN-CAPITAL-COMMON>                                    11,055,452
<SHARES-COMMON-STOCK>                                          820,870
<SHARES-COMMON-PRIOR>                                          367,784
<ACCUMULATED-NII-CURRENT>                                       17,519
<OVERDISTRIBUTION-NII>                                               0
<ACCUMULATED-NET-GAINS>                                        858,697
<OVERDISTRIBUTION-GAINS>                                             0
<ACCUM-APPREC-OR-DEPREC>                                       983,656
<NET-ASSETS>                                                12,915,324
<DIVIDEND-INCOME>                                               31,310
<INTEREST-INCOME>                                                  657
<OTHER-INCOME>                                                       0
<EXPENSES-NET>                                                  13,828
<NET-INVESTMENT-INCOME>                                         18,139
<REALIZED-GAINS-CURRENT>                                       893,360
<APPREC-INCREASE-CURRENT>                                      520,697
<NET-CHANGE-FROM-OPS>                                        1,432,196
<EQUALIZATION>                                                       0
<DISTRIBUTIONS-OF-INCOME>                                     (124,988)
<DISTRIBUTIONS-OF-GAINS>                                       (84,670)
<DISTRIBUTIONS-OTHER>                                                0
<NUMBER-OF-SHARES-SOLD>                                        451,531
<NUMBER-OF-SHARES-REDEEMED>                                    (11,774)
<SHARES-REINVESTED>                                             13,329
<NET-CHANGE-IN-ASSETS>                                       7,965,531
<ACCUMULATED-NII-PRIOR>                                        124,368
<ACCUMULATED-GAINS-PRIOR>                                       50,007
<OVERDISTRIB-NII-PRIOR>                                              0
<OVERDIST-NET-GAINS-PRIOR>                                           0
<GROSS-ADVISORY-FEES>                                            3,933
<INTEREST-EXPENSE>                                                   0
<GROSS-EXPENSE>                                                 21,623
<AVERAGE-NET-ASSETS>                                         7,930,375
<PER-SHARE-NAV-BEGIN>                                            13.46
<PER-SHARE-NII>                                                   0.03
<PER-SHARE-GAIN-APPREC>                                           2.51
<PER-SHARE-DIVIDEND>                                             (0.16)
<PER-SHARE-DISTRIBUTIONS>                                        (0.11)
<RETURNS-OF-CAPITAL>                                              0.00
<PER-SHARE-NAV-END>                                              15.73
<EXPENSE-RATIO>                                                   0.35


</TABLE>

<TABLE> <S> <C>

<ARTICLE>  6
<SERIES>
              <NUMBER>  041
              <NAME>  WM VT U.S. GOVERNMENT SECURITIES FUND

<S>                                      <C>
<PERIOD-TYPE>                            6-MOS
<FISCAL-YEAR-END>                        DEC-31-1999
<PERIOD-END>                             JUN-30-1999
<INVESTMENTS-AT-COST>                                       67,641,750
<INVESTMENTS-AT-VALUE>                                      68,041,561
<RECEIVABLES>                                                  505,628
<ASSETS-OTHER>                                                       0
<OTHER-ITEMS-ASSETS>                                             1,326
<TOTAL-ASSETS>                                              68,548,515
<PAYABLE-FOR-SECURITIES>                                             0
<SENIOR-LONG-TERM-DEBT>                                              0
<OTHER-ITEMS-LIABILITIES>                                      101,341
<TOTAL-LIABILITIES>                                            101,341
<SENIOR-EQUITY>                                                      0
<PAID-IN-CAPITAL-COMMON>                                    69,032,896
<SHARES-COMMON-STOCK>                                        6,981,447
<SHARES-COMMON-PRIOR>                                        4,146,856
<ACCUMULATED-NII-CURRENT>                                       37,610
<OVERDISTRIBUTION-NII>                                               0
<ACCUMULATED-NET-GAINS>                                     (1,023,143)
<OVERDISTRIBUTION-GAINS>                                             0
<ACCUM-APPREC-OR-DEPREC>                                       399,811
<NET-ASSETS>                                                68,447,174
<DIVIDEND-INCOME>                                                    0
<INTEREST-INCOME>                                            1,672,825
<OTHER-INCOME>                                                       0
<EXPENSES-NET>                                                 232,287
<NET-INVESTMENT-INCOME>                                      1,440,538
<REALIZED-GAINS-CURRENT>                                       220,848
<APPREC-INCREASE-CURRENT>                                   (2,069,976)
<NET-CHANGE-FROM-OPS>                                         (408,590)
<EQUALIZATION>                                                       0
<DISTRIBUTIONS-OF-INCOME>                                   (1,471,993)
<DISTRIBUTIONS-OF-GAINS>                                             0
<DISTRIBUTIONS-OTHER>                                                0
<NUMBER-OF-SHARES-SOLD>                                      2,998,680
<NUMBER-OF-SHARES-REDEEMED>                                   (313,602)
<SHARES-REINVESTED>                                            149,513
<NET-CHANGE-IN-ASSETS>                                      26,532,780
<ACCUMULATED-NII-PRIOR>                                         69,065
<ACCUMULATED-GAINS-PRIOR>                                   (1,243,991)
<OVERDISTRIB-NII-PRIOR>                                              0
<OVERDIST-NET-GAINS-PRIOR>                                           0
<GROSS-ADVISORY-FEES>                                          156,414
<INTEREST-EXPENSE>                                                   0
<GROSS-EXPENSE>                                                232,303
<AVERAGE-NET-ASSETS>                                        52,570,146
<PER-SHARE-NAV-BEGIN>                                            10.11
<PER-SHARE-NII>                                                   0.23
<PER-SHARE-GAIN-APPREC>                                          (0.30)
<PER-SHARE-DIVIDEND>                                             (0.24)
<PER-SHARE-DISTRIBUTIONS>                                         0.00
<RETURNS-OF-CAPITAL>                                              0.00
<PER-SHARE-NAV-END>                                               9.80
<EXPENSE-RATIO>                                                   0.89


</TABLE>


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