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<PAGE> PAGE 10
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<PAGE> PAGE 11
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<PAGE> PAGE 12
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<PAGE> PAGE 13
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<PAGE> PAGE 14
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<PAGE> PAGE 15
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<PAGE> PAGE 16
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<PAGE> PAGE 17
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<PAGE> PAGE 18
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<PAGE> PAGE 19
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<PAGE> PAGE 20
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<PAGE> PAGE 21
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<PAGE> PAGE 22
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<PAGE> PAGE 23
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<PAGE> PAGE 24
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<PAGE> PAGE 25
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<PAGE> PAGE 26
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<PAGE> PAGE 27
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<PAGE> PAGE 28
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<PAGE> PAGE 29
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<PAGE> PAGE 30
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<PAGE> PAGE 31
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<PAGE> PAGE 32
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<PAGE> PAGE 33
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<PAGE> PAGE 34
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<PAGE> PAGE 35
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<PAGE> PAGE 36
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<PAGE> PAGE 37
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<PAGE> PAGE 38
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<PAGE> PAGE 39
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<PAGE> PAGE 40
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<PAGE> PAGE 41
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028 C040900 143
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028 F010900 1690
028 F020900 210
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028 G010900 6701
028 G020900 210
028 G030900 0
028 G040900 168
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045 000900 Y
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048 I020900 0.000
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<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
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062 E000900 0.0
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062 G000900 0.0
062 H000900 0.0
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062 J000900 0.0
062 K000900 0.0
062 L000900 0.0
062 M000900 0.0
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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
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<PAGE> PAGE 43
070 D010900 Y
070 D020900 N
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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
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<PAGE> PAGE 44
072 R000900 5
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<PAGE> PAGE 45
075 B000900 7881
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024 001000 N
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<PAGE> PAGE 46
048 D021000 0.000
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048 K021000 0.000
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050 001000 N
051 001000 N
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058 A001000 Y
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<PAGE> PAGE 47
066 D001000 N
066 E001000 N
066 F001000 N
066 G001000 N
067 001000 N
068 A001000 N
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070 A011000 Y
070 A021000 Y
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070 E011000 Y
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070 F011000 Y
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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
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<PAGE> PAGE 48
072 D001000 0
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<PAGE> PAGE 49
074 R011000 0
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024 001100 N
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<PAGE> PAGE 50
028 G031100 0
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<PAGE> PAGE 51
062 J001100 0.0
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<PAGE> PAGE 52
070 O021100 N
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<PAGE> PAGE 53
074 D001100 0
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<PAGE> PAGE 54
028 D011200 1364
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<PAGE> PAGE 55
058 B001200 Y
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<PAGE> PAGE 56
070 H021200 N
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<PAGE> PAGE 57
072AA001200 205
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<PAGE> PAGE 58
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<PAGE> PAGE 59
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<PAGE> PAGE 60
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<PAGE> PAGE 61
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<PAGE> PAGE 62
074 V021300 0.00
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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
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025 D001404 0
025 D001405 0
025 D001406 0
025 D001407 0
025 D001408 0
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028 C011400 730
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028 D011400 1051
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028 G021400 19
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028 H001400 0
<PAGE> PAGE 63
045 001400 Y
046 001400 N
047 001400 Y
048 001400 0.000
048 A011400 500000
048 A021400 0.625
048 B011400 0
048 B021400 0.000
048 C011400 0
048 C021400 0.000
048 D011400 0
048 D021400 0.000
048 E011400 0
048 E021400 0.000
048 F011400 0
048 F021400 0.000
048 G011400 0
048 G021400 0.000
048 H011400 0
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
072 D001400 0
072 E001400 0
072 F001400 15
072 G001400 4
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072 K001400 0
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072 S001400 0
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073 A011400 0.0300
073 A021400 0.0000
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074 C001400 0
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<PAGE> PAGE 66
074 I001400 0
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074 K001400 0
074 L001400 34
074 M001400 0
074 N001400 8141
074 O001400 256
074 P001400 12
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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
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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
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025 D001503 0
025 D001504 0
025 D001505 0
025 D001506 0
025 D001507 0
025 D001508 0
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<PAGE> PAGE 67
028 D031500 0
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045 001500 Y
046 001500 N
047 001500 Y
048 001500 0.000
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048 A021500 0.625
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048 B021500 0.000
048 C011500 0
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048 H021500 0.000
048 I011500 0
048 I021500 0.000
048 J011500 0
048 J021500 0.000
048 K011500 500000
048 K021500 0.500
049 001500 N
050 001500 N
051 001500 N
052 001500 N
053 A001500 Y
053 B001500 Y
053 C001500 N
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 J001500 0.0
062 K001500 0.0
062 L001500 0.0
062 M001500 0.0
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
070 A021500 Y
070 B011500 Y
070 B021500 N
070 C011500 Y
070 C021500 N
070 D011500 Y
070 D021500 N
070 E011500 Y
070 E021500 N
070 F011500 Y
070 F021500 N
070 G011500 Y
070 G021500 N
070 H011500 Y
070 H021500 N
070 I011500 Y
<PAGE> PAGE 69
070 I021500 N
070 J011500 Y
070 J021500 N
070 K011500 N
070 K021500 N
070 L011500 Y
070 L021500 N
070 M011500 N
070 M021500 N
070 N011500 Y
070 N021500 N
070 O011500 N
070 O021500 N
070 P011500 Y
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070 Q011500 N
070 Q021500 N
070 R011500 N
070 R021500 N
071 A001500 3392
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<PAGE> PAGE 70
072CC011500 872
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SIGNATURE JOHN WEST
TITLE SECRETARY
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<NAME> WM VT BALANCED PORTFOLIO
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<NAME> WM VT BOND & STOCK FUND
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<NAME> WM VT CONSERVATIVE GROWTH PORTFOLIO
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<TABLE> <S> <C>
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<NUMBER> 061
<NAME> WM VT EMERGING GROWTH FUND
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<SERIES>
<NUMBER> 121
<NAME> WM VT FLEXIBLE INCOME PORTFOLIO
<S> <C>
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<TABLE> <S> <C>
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<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
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<NUMBER-OF-SHARES-SOLD> 981,255
<NUMBER-OF-SHARES-REDEEMED> (608,700)
<SHARES-REINVESTED> 1,111,833
<NET-CHANGE-IN-ASSETS> 64,784,614
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<PER-SHARE-NII> (0.08)
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<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
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<OTHER-ITEMS-ASSETS> 3,398
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<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)
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<DISTRIBUTIONS-OF-INCOME> (1,705,819)
<DISTRIBUTIONS-OF-GAINS> 0
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<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
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<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
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<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
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<TOTAL-ASSETS> 3,419,633
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<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
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<AVERAGE-NET-ASSETS> 1,855,890
<PER-SHARE-NAV-BEGIN> 10.42
<PER-SHARE-NII> 0.40
<PER-SHARE-GAIN-APPREC> (0.34)
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<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
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<RECEIVABLES> 14,599,511
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<TOTAL-ASSETS> 55,250,141
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<OTHER-ITEMS-LIABILITIES> 107,889
<TOTAL-LIABILITIES> 107,889
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<PAID-IN-CAPITAL-COMMON> 52,877,661
<SHARES-COMMON-STOCK> 4,366,939
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<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
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<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
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<DISTRIBUTIONS-OF-INCOME> (42,338)
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<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)
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<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
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<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
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<OTHER-ITEMS-ASSETS> 1,179
<TOTAL-ASSETS> 24,315,476
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<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
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<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (635,974)
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<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)
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<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
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<OTHER-ITEMS-ASSETS> 48
<TOTAL-ASSETS> 5,789,779
<PAYABLE-FOR-SECURITIES> 31,918
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<OTHER-ITEMS-LIABILITIES> 91,630
<TOTAL-LIABILITIES> 123,548
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 4,558,055
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<SHARES-COMMON-PRIOR> 211,413
<ACCUMULATED-NII-CURRENT> (5,542)
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<ACCUMULATED-NET-GAINS> (10,590)
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<ACCUM-APPREC-OR-DEPREC> 1,124,308
<NET-ASSETS> 5,666,231
<DIVIDEND-INCOME> 12,778
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<EXPENSES-NET> 27,766
<NET-INVESTMENT-INCOME> (5,801)
<REALIZED-GAINS-CURRENT> (2,125)
<APPREC-INCREASE-CURRENT> 872,108
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<DISTRIBUTIONS-OF-GAINS> (71,039)
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<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
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<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
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<OTHER-ITEMS-ASSETS> 15,835
<TOTAL-ASSETS> 46,092,947
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<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
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<EXPENSES-NET> 152,315
<NET-INVESTMENT-INCOME> 954,235
<REALIZED-GAINS-CURRENT> (45,969)
<APPREC-INCREASE-CURRENT> (465,042)
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<DISTRIBUTIONS-OF-INCOME> (931,878)
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<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)
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<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)
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<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
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<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
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<EXPENSES-NET> 13,828
<NET-INVESTMENT-INCOME> 18,139
<REALIZED-GAINS-CURRENT> 893,360
<APPREC-INCREASE-CURRENT> 520,697
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<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
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<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)
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<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 041
<NAME> WM VT U.S. GOVERNMENT SECURITIES FUND
<S> <C>
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