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<PAGE> PAGE 6
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<PAGE> PAGE 7
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<PAGE> PAGE 8
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<PAGE> PAGE 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 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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<PAGE> PAGE 42
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<PAGE> PAGE 43
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<PAGE> PAGE 44
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<PAGE> PAGE 45
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<PAGE> PAGE 46
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<PAGE> PAGE 47
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<PAGE> PAGE 48
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<PAGE> PAGE 49
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<PAGE> PAGE 50
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<PAGE> PAGE 51
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<PAGE> PAGE 52
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<PAGE> PAGE 53
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<PAGE> PAGE 54
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<PAGE> PAGE 55
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<PAGE> PAGE 56
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<PAGE> PAGE 57
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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
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028 G031400 0
028 G041400 1471
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045 001400 Y
046 001400 N
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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
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062 C001400 0.0
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062 E001400 0.0
062 F001400 0.0
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<PAGE> PAGE 63
062 I001400 0.0
062 J001400 0.0
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062 L001400 0.0
062 M001400 0.0
062 N001400 0.0
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
<PAGE> PAGE 64
070 O011400 N
070 O021400 N
070 P011400 Y
070 P021400 N
070 Q011400 N
070 Q021400 N
070 R011400 N
070 R021400 N
071 A001400 7963
071 B001400 1328
071 C001400 5245
071 D001400 25
072 A001400 12
072 B001400 254
072 C001400 60
072 D001400 0
072 E001400 0
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<PAGE> PAGE 65
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074 L001400 52
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074 T001400 11797
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024 001500 N
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<PAGE> PAGE 66
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045 001500 Y
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<PAGE> PAGE 67
059 001500 Y
060 A001500 Y
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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
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070 A021500 Y
070 B011500 Y
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070 C021500 N
070 D011500 Y
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070 E021500 N
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070 G021500 N
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<PAGE> PAGE 68
070 I011500 Y
070 I021500 N
070 J011500 Y
070 J021500 N
070 K011500 N
070 K021500 N
070 L011500 Y
070 L021500 Y
070 M011500 N
070 M021500 N
070 N011500 Y
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070 O011500 N
070 O021500 N
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070 R021500 N
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<PAGE> PAGE 69
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SIGNATURE JOHN WEST
TITLE SECRETARY
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<SERIES>
<NUMBER> 111
<NAME> WM VT BALANCED PORTFOLIO
<S> <C>
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<PERIOD-END> DEC-31-1999
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<TABLE> <S> <C>
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<SERIES>
<NUMBER> 141
<NAME> WM VT BOND & STOCK FUND
<S> <C>
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<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 101
<NAME> WM VT CONSERVATIVE GROWTH PORTFOLIO
<S> <C>
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<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> DEC-31-1999
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</TABLE>
<TABLE> <S> <C>
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<SERIES>
<NUMBER> 061
<NAME> WM VT EMERGING GROWTH FUND
<S> <C>
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<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> DEC-31-1999
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<NET-INVESTMENT-INCOME> (280,422)
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<ACCUMULATED-NII-PRIOR> 0
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</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 121
<NAME> WM VT FLEXIBLE INCOME PORTFOLIO
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> DEC-31-1999
<INVESTMENTS-AT-COST> 25,464,725
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<DIVIDEND-INCOME> 576,392
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<PER-SHARE-NAV-BEGIN> 11.38
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<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 021
<NAME> WM VT GROWTH FUND
<S> <C>
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<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> DEC-31-1999
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<REALIZED-GAINS-CURRENT> 89,776,539
<APPREC-INCREASE-CURRENT> 85,078,552
<NET-CHANGE-FROM-OPS> 173,038,217
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> (27,262,135)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 4,039,838
<NUMBER-OF-SHARES-REDEEMED> (2,841,490)
<SHARES-REINVESTED> 1,111,833
<NET-CHANGE-IN-ASSETS> 206,984,666
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 27,036,706
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 2,049,006
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 2,672,227
<AVERAGE-NET-ASSETS> 232,029,203
<PER-SHARE-NAV-BEGIN> 22.36
<PER-SHARE-NII> (0.19)
<PER-SHARE-GAIN-APPREC> 19.89
<PER-SHARE-DIVIDEND> 0.00
<PER-SHARE-DISTRIBUTIONS> (3.52)
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 38.54
<EXPENSE-RATIO> 1.15
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 071
<NAME> WM VT GROWTH & INCOME FUND
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> DEC-31-1999
<INVESTMENTS-AT-COST> 165,159,815
<INVESTMENTS-AT-VALUE> 198,957,353
<RECEIVABLES> 350,512
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 6,909,605
<TOTAL-ASSETS> 206,217,470
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 257,044
<TOTAL-LIABILITIES> 257,044
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 160,779,060
<SHARES-COMMON-STOCK> 11,086,634
<SHARES-COMMON-PRIOR> 7,383,677
<ACCUMULATED-NII-CURRENT> 519,248
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 10,864,580
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 33,797,538
<NET-ASSETS> 205,960,426
<DIVIDEND-INCOME> 1,884,663
<INTEREST-INCOME> 281,103
<OTHER-INCOME> 0
<EXPENSES-NET> 1,637,201
<NET-INVESTMENT-INCOME> 528,565
<REALIZED-GAINS-CURRENT> 10,887,284
<APPREC-INCREASE-CURRENT> 14,845,356
<NET-CHANGE-FROM-OPS> 26,261,205
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (305,700)
<DISTRIBUTIONS-OF-GAINS> (11,096,092)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 6,867,884
<NUMBER-OF-SHARES-REDEEMED> (3,815,714)
<SHARES-REINVESTED> 650,787
<NET-CHANGE-IN-ASSETS> 80,665,864
<ACCUMULATED-NII-PRIOR> 300,109
<ACCUMULATED-GAINS-PRIOR> 11,069,662
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 1,224,123
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1,640,168
<AVERAGE-NET-ASSETS> 156,549,672
<PER-SHARE-NAV-BEGIN> 16.97
<PER-SHARE-NII> 0.06
<PER-SHARE-GAIN-APPREC> 2.93
<PER-SHARE-DIVIDEND> (0.04)
<PER-SHARE-DISTRIBUTIONS> (1.34)
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 18.58
<EXPENSE-RATIO> 1.05
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 051
<NAME> WM VT INCOME FUND
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> DEC-31-1999
<INVESTMENTS-AT-COST> 54,527,217
<INVESTMENTS-AT-VALUE> 52,519,955
<RECEIVABLES> 1,060,591
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 2,084,389
<TOTAL-ASSETS> 55,664,935
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 109,135
<TOTAL-LIABILITIES> 109,135
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 59,957,040
<SHARES-COMMON-STOCK> 5,944,229
<SHARES-COMMON-PRIOR> 4,848,621
<ACCUMULATED-NII-CURRENT> 93,606
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (2,487,584)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> (2,007,262)
<NET-ASSETS> 55,555,800
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 4,088,349
<OTHER-INCOME> 0
<EXPENSES-NET> 451,273
<NET-INVESTMENT-INCOME> 3,637,076
<REALIZED-GAINS-CURRENT> (300,208)
<APPREC-INCREASE-CURRENT> (4,338,814)
<NET-CHANGE-FROM-OPS> (1,001,946)
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (3,615,253)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 2,533,035
<NUMBER-OF-SHARES-REDEEMED> (1,814,490)
<SHARES-REINVESTED> 377,063
<NET-CHANGE-IN-ASSETS> 5,902,042
<ACCUMULATED-NII-PRIOR> 79,458
<ACCUMULATED-GAINS-PRIOR> (2,195,052)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 302,783
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 452,286
<AVERAGE-NET-ASSETS> 53,197,403
<PER-SHARE-NAV-BEGIN> 10.24
<PER-SHARE-NII> 0.67
<PER-SHARE-GAIN-APPREC> (0.89)
<PER-SHARE-DIVIDEND> (0.67)
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 9.35
<EXPENSE-RATIO> 0.85
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 131
<NAME> WM VT INCOME PORTFOLIO
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> DEC-31-1999
<INVESTMENTS-AT-COST> 7,430,650
<INVESTMENTS-AT-VALUE> 7,253,654
<RECEIVABLES> 0
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 72
<TOTAL-ASSETS> 7,253,726
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 48,039
<TOTAL-LIABILITIES> 48,039
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 7,390,827
<SHARES-COMMON-STOCK> 727,635
<SHARES-COMMON-PRIOR> 79,607
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (8,144)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> (176,996)
<NET-ASSETS> 7,205,687
<DIVIDEND-INCOME> 265,020
<INTEREST-INCOME> 278
<OTHER-INCOME> 0
<EXPENSES-NET> 12,487
<NET-INVESTMENT-INCOME> 252,811
<REALIZED-GAINS-CURRENT> (7,082)
<APPREC-INCREASE-CURRENT> (168,546)
<NET-CHANGE-FROM-OPS> 77,183
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (271,185)
<DISTRIBUTIONS-OF-GAINS> (2,045)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 675,445
<NUMBER-OF-SHARES-REDEEMED> (54,730)
<SHARES-REINVESTED> 27,313
<NET-CHANGE-IN-ASSETS> 6,376,543
<ACCUMULATED-NII-PRIOR> 18,416
<ACCUMULATED-GAINS-PRIOR> 985
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 3,575
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 20,917
<AVERAGE-NET-ASSETS> 3,574,509
<PER-SHARE-NAV-BEGIN> 10.42
<PER-SHARE-NII> 0.71
<PER-SHARE-GAIN-APPREC> (0.52)
<PER-SHARE-DIVIDEND> (0.70)
<PER-SHARE-DISTRIBUTIONS> (0.01)
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 9.90
<EXPENSE-RATIO> 0.35
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 031
<NAME> WM VT INTERNATIONAL GROWTH FUND
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> DEC-31-1999
<INVESTMENTS-AT-COST> 59,730,573
<INVESTMENTS-AT-VALUE> 83,342,429
<RECEIVABLES> 133,917
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 3,560,927
<TOTAL-ASSETS> 87,037,273
<PAYABLE-FOR-SECURITIES> 1,288
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 403,499
<TOTAL-LIABILITIES> 404,787
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 60,825,413
<SHARES-COMMON-STOCK> 4,914,728
<SHARES-COMMON-PRIOR> 5,198,137
<ACCUMULATED-NII-CURRENT> 1,825,513
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 622,400
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 23,359,160
<NET-ASSETS> 86,632,486
<DIVIDEND-INCOME> 1,246,995
<INTEREST-INCOME> 157,500
<OTHER-INCOME> 0
<EXPENSES-NET> 865,559
<NET-INVESTMENT-INCOME> 538,936
<REALIZED-GAINS-CURRENT> 7,014,385
<APPREC-INCREASE-CURRENT> 20,981,849
<NET-CHANGE-FROM-OPS> 28,535,170
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (42,338)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 2,654,883
<NUMBER-OF-SHARES-REDEEMED> (2,941,642)
<SHARES-REINVESTED> 3,350
<NET-CHANGE-IN-ASSETS> 26,272,419
<ACCUMULATED-NII-PRIOR> 743,574
<ACCUMULATED-GAINS-PRIOR> (5,806,644)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 578,444
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 867,289
<AVERAGE-NET-ASSETS> 62,169,876
<PER-SHARE-NAV-BEGIN> 11.61
<PER-SHARE-NII> 0.12
<PER-SHARE-GAIN-APPREC> 5.91
<PER-SHARE-DIVIDEND> (0.01)
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 17.63
<EXPENSE-RATIO> 1.39
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 011
<NAME> WM VT MONEY MARKET FUND
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> DEC-31-1999
<INVESTMENTS-AT-COST> 31,096,526
<INVESTMENTS-AT-VALUE> 31,096,526
<RECEIVABLES> 41,443
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 11,300
<TOTAL-ASSETS> 31,149,269
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 44,677
<TOTAL-LIABILITIES> 44,677
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 31,081,945
<SHARES-COMMON-STOCK> 31,098,221
<SHARES-COMMON-PRIOR> 31,855,213
<ACCUMULATED-NII-CURRENT> 23,539
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (892)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 31,104,592
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 1,462,938
<OTHER-INCOME> 0
<EXPENSES-NET> 199,695
<NET-INVESTMENT-INCOME> 1,263,243
<REALIZED-GAINS-CURRENT> (467)
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 1,262,776
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (1,263,243)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 30,478,529
<NUMBER-OF-SHARES-REDEEMED> (32,493,408)
<SHARES-REINVESTED> 1,257,887
<NET-CHANGE-IN-ASSETS> (757,459)
<ACCUMULATED-NII-PRIOR> 23,539
<ACCUMULATED-GAINS-PRIOR> (425)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 134,499
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 220,131
<AVERAGE-NET-ASSETS> 28,241,124
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> 0.04
<PER-SHARE-GAIN-APPREC> (0.00)
<PER-SHARE-DIVIDEND> (0.04)
<PER-SHARE-DISTRIBUTIONS> 0.000
<RETURNS-OF-CAPITAL> 0.000
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> 0.71
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 151
<NAME> WM VT NORTHWEST FUND
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> DEC-31-1999
<INVESTMENTS-AT-COST> 15,159,813
<INVESTMENTS-AT-VALUE> 18,578,728
<RECEIVABLES> 40,581
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 1,840,228
<TOTAL-ASSETS> 20,459,537
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 30,342
<TOTAL-LIABILITIES> 30,342
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 16,818,649
<SHARES-COMMON-STOCK> 1,348,927
<SHARES-COMMON-PRIOR> 211,413
<ACCUMULATED-NII-CURRENT> 1,058
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 190,832
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 3,418,915
<NET-ASSETS> 20,429,195
<DIVIDEND-INCOME> 54,207
<INTEREST-INCOME> 30,871
<OTHER-INCOME> 0
<EXPENSES-NET> 86,558
<NET-INVESTMENT-INCOME> (1,480)
<REALIZED-GAINS-CURRENT> 201,317
<APPREC-INCREASE-CURRENT> 3,166,715
<NET-CHANGE-FROM-OPS> 3,366,552
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (259)
<DISTRIBUTIONS-OF-GAINS> (70,780)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 1,195,360
<NUMBER-OF-SHARES-REDEEMED> (63,683)
<SHARES-REINVESTED> 5,837
<NET-CHANGE-IN-ASSETS> 18,115,835
<ACCUMULATED-NII-PRIOR> 259
<ACCUMULATED-GAINS-PRIOR> 62,574
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 42,575
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 87,233
<AVERAGE-NET-ASSETS> 6,811,949
<PER-SHARE-NAV-BEGIN> 10.94
<PER-SHARE-NII> (0.00)
<PER-SHARE-GAIN-APPREC> 4.37
<PER-SHARE-DIVIDEND> (0.00)
<PER-SHARE-DISTRIBUTIONS> (0.17)
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 15.14
<EXPENSE-RATIO> 1.27
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 081
<NAME> WM VT ST HIGH QUALITY BOND FUND
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> DEC-31-1999
<INVESTMENTS-AT-COST> 51,745,996
<INVESTMENTS-AT-VALUE> 51,110,963
<RECEIVABLES> 505,417
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 1,612,477
<TOTAL-ASSETS> 53,228,857
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 84,475
<TOTAL-LIABILITIES> 84,475
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 54,338,364
<SHARES-COMMON-STOCK> 22,224,048
<SHARES-COMMON-PRIOR> 15,315,030
<ACCUMULATED-NII-CURRENT> 100,806
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (659,755)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> (635,033)
<NET-ASSETS> 53,144,382
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 2,635,951
<OTHER-INCOME> 0
<EXPENSES-NET> 349,584
<NET-INVESTMENT-INCOME> 2,286,367
<REALIZED-GAINS-CURRENT> (140,607)
<APPREC-INCREASE-CURRENT> (858,305)
<NET-CHANGE-FROM-OPS> 1,287,455
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (2,187,980)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 14,893,459
<NUMBER-OF-SHARES-REDEEMED> (8,895,716)
<SHARES-REINVESTED> 911,275
<NET-CHANGE-IN-ASSETS> 15,745,085
<ACCUMULATED-NII-PRIOR> 10,700
<ACCUMULATED-GAINS-PRIOR> (527,429)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 217,194
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 351,704
<AVERAGE-NET-ASSETS> 43,438,783
<PER-SHARE-NAV-BEGIN> 2.44
<PER-SHARE-NII> 0.12
<PER-SHARE-GAIN-APPREC> (0.05)
<PER-SHARE-DIVIDEND> (0.12)
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 2.39
<EXPENSE-RATIO> 0.80
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<SERIES>
<NUMBER> 091
<NAME> WM VT STRATEGIC GROWTH PORTFOLIO
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> DEC-31-1999
<INVESTMENTS-AT-COST> 28,431,855
<INVESTMENTS-AT-VALUE> 35,415,252
<RECEIVABLES> 87,152
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 21,129
<TOTAL-ASSETS> 35,523,533
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 23,787
<TOTAL-LIABILITIES> 23,787
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 27,604,758
<SHARES-COMMON-STOCK> 1,811,811
<SHARES-COMMON-PRIOR> 367,784
<ACCUMULATED-NII-CURRENT> 413,286
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 498,305
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 6,983,397
<NET-ASSETS> 35,499,746
<DIVIDEND-INCOME> 95,162
<INTEREST-INCOME> 4,179
<OTHER-INCOME> 0
<EXPENSES-NET> 49,828
<NET-INVESTMENT-INCOME> 49,513
<REALIZED-GAINS-CURRENT> 893,360
<APPREC-INCREASE-CURRENT> 6,520,438
<NET-CHANGE-FROM-OPS> 7,463,311
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (124,989)
<DISTRIBUTIONS-OF-GAINS> (84,670)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 1,447,111
<NUMBER-OF-SHARES-REDEEMED> (16,413)
<SHARES-REINVESTED> 13,329
<NET-CHANGE-IN-ASSETS> 30,549,953
<ACCUMULATED-NII-PRIOR> 124,368
<ACCUMULATED-GAINS-PRIOR> 50,007
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 14,323
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 61,726
<AVERAGE-NET-ASSETS> 14,323,155
<PER-SHARE-NAV-BEGIN> 13.46
<PER-SHARE-NII> 0.05
<PER-SHARE-GAIN-APPREC> 6.35
<PER-SHARE-DIVIDEND> (0.16)
<PER-SHARE-DISTRIBUTIONS> (0.11)
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 19.59
<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> 12-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> DEC-31-1999
<INVESTMENTS-AT-COST> 77,171,495
<INVESTMENTS-AT-VALUE> 76,243,514
<RECEIVABLES> 611,990
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 3,300,773
<TOTAL-ASSETS> 80,156,277
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 141,657
<TOTAL-LIABILITIES> 141,657
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 82,049,918
<SHARES-COMMON-STOCK> 8,317,716
<SHARES-COMMON-PRIOR> 4,146,856
<ACCUMULATED-NII-CURRENT> 356,666
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (1,463,983)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> (927,981)
<NET-ASSETS> 80,014,620
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 4,321,079
<OTHER-INCOME> 0
<EXPENSES-NET> 521,318
<NET-INVESTMENT-INCOME> 3,799,761
<REALIZED-GAINS-CURRENT> 23,015
<APPREC-INCREASE-CURRENT> (3,397,768)
<NET-CHANGE-FROM-OPS> 425,008
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (3,755,167)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 6,804,802
<NUMBER-OF-SHARES-REDEEMED> (3,019,225)
<SHARES-REINVESTED> 385,283
<NET-CHANGE-IN-ASSETS> 38,100,226
<ACCUMULATED-NII-PRIOR> 69,065
<ACCUMULATED-GAINS-PRIOR> (1,243,991)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 341,645
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 522,518
<AVERAGE-NET-ASSETS> 63,115,270
<PER-SHARE-NAV-BEGIN> 10.11
<PER-SHARE-NII> 0.54
<PER-SHARE-GAIN-APPREC> (0.49)
<PER-SHARE-DIVIDEND> (0.54)
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 9.62
<EXPENSE-RATIO> 0.83
</TABLE>
INDEPENDENT AUDITORS' REPORT
To the Trustees of WM Variable Trust:
In planning and performing our audit of the financial statements of WM
Variable Trust (including WM Variable Trust Money Market Fund, WM
Variable Trust Short Term High Quality Bond Fund, WM Variable Trust
U.S. Government Securities Fund, WM Variable Trust Income Fund, WM
Variable Trust Bond & Stock Fund, WM Variable Trust Growth & Income
Fund, WM Variable Trust Growth Fund, WM Variable Trust Northwest
Fund, WM Variable Trust Emerging Growth Fund, WM Variable Trust
International Growth Fund, WM Variable Trust Strategic Growth Portfolio ,
WM Variable Trust Conservative Growth Portfolio, WM Variable Trust
Balanced Portfolio, WM Variable Trust Flexible Income Portfolio, and
WM Variable Trust Income Portfolio) (the "Trust") for the year ended
December 31, 1999 (on which we have issued our report dated February 4,
2000), we considered its internal control, including control activities for
safeguarding securities, in order to determine our auditing procedures for
the purpose of expressing our opinion on the financial statements and to
comply with the requirements of Form N-SAR, and not to provide assurance
on the Trust's internal control.
The management of the Trust is responsible for establishing and
maintaining internal control. In fulfilling this responsibility, estimates and
judgments by management are required to assess the expected benefits and
related costs of controls. Generally, controls that are relevant to an audit
pertain to the entity's objective of preparing financial statements for
external purposes that are fairly presented in conformity with generally
accepted accounting principles. Those controls include the safeguarding of
assets against unauthorized acquisition, use, or disposition.
Because of inherent limitations in any internal control, misstatements due to
error or fraud may occur and not be detected. Also, projections of any
evaluation of internal control to future periods are subject to the risk that
the internal control may become inadequate because of changes in conditions or
that the degree of compliance with policies or procedures deteriorate.
Our consideration of the Trust's internal control would not necessarily
disclose all matters in internal control that might be material weaknesses
under standards established by the American Institute of Certified Public
Accountants. A material weakness is a condition in which the design or
operation of one or more of the internal control components does not reduce
to a relatively low level the risk that misstatements caused by error or fraud
in amounts that would be material in relation to the financial statements
being audited may occur and not be detected within a timely period by
employees in the normal course of performing their assigned functions.
However, we noted no matters involving the Trust's internal control and its
operation, including controls for safeguarding securities, that we consider to
be material weaknesses as defined above as of December 31, 1999.
This report is intended solely for the information and use of management,
the Board of Trustees of WM Variable Trust, and the Securities and
Exchange Commission and is not intended to be and should not be used by
anyone other than these specified parties.
DELOITTE & TOUCHE LLP
San Francisco, California
February 4, 2000
- - 2 -
special meeting of shareholders (unaudited)
WM VARIABLE TRUST
Shareholder Votes
1. A special meeting of shareholders of the Variable Trust International
Growth Fund was convened on June 23, 1999, at which shareholders
approved the proposed Sub-Advisory Agreement relating to the Fund by
and between WM Advisors, Inc. and Capital Guardian Trust Company.
For
Against
Abstained
Total
4,258,680
61,333
361,913
4,681,926
