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<PAGE> PAGE 2
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<PAGE> PAGE 3
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<PAGE> PAGE 4
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<PAGE> PAGE 5
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<PAGE> PAGE 6
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<PAGE> PAGE 7
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<PAGE> PAGE 8
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<PAGE> PAGE 9
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<PAGE> PAGE 10
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<PAGE> PAGE 11
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<PAGE> PAGE 12
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<PAGE> PAGE 13
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<PAGE> PAGE 14
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<PAGE> PAGE 15
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<PAGE> PAGE 16
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<PAGE> PAGE 17
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<PAGE> PAGE 18
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<PAGE> PAGE 19
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<PAGE> PAGE 20
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<PAGE> PAGE 21
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<PAGE> PAGE 22
074 U010600 39
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028 A010700 49
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070 A010700 Y
070 A020700 N
070 B010700 Y
070 B020700 N
070 C010700 Y
070 C020700 N
070 D010700 Y
070 D020700 N
070 E010700 Y
070 E020700 N
070 F010700 Y
070 F020700 N
<PAGE> PAGE 23
070 G010700 Y
070 G020700 N
070 H010700 Y
070 H020700 N
070 I010700 Y
070 I020700 N
070 J010700 Y
070 J020700 N
070 K010700 Y
070 K020700 Y
070 L010700 Y
070 L020700 N
070 M010700 N
070 M020700 N
070 N010700 Y
070 N020700 N
070 O010700 Y
070 O020700 N
070 P010700 N
070 P020700 N
070 Q010700 N
070 Q020700 N
070 R010700 N
070 R020700 N
071 A000700 0
071 B000700 0
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072 A000700 12
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<PAGE> PAGE 24
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<PAGE> PAGE 25
028 B010800 78
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028 H000800 0
070 A010800 Y
070 A020800 N
070 B010800 Y
070 B020800 N
070 C010800 Y
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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 N
070 K010800 Y
070 K020800 Y
070 L010800 Y
070 L020800 N
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<PAGE> PAGE 26
070 N010800 Y
070 N020800 N
070 O010800 Y
070 O020800 N
070 P010800 N
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070 Q010800 N
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<PAGE> PAGE 27
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SIGNATURE ALFRED C. SYLVAIN
TITLE VICE PRESIDENT
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<MULTIPLIER> 1
<SERIES>
<NUMBER> 1
<NAME> MONEY MARKET FUND
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-END> DEC-31-1995
<INVESTMENTS-AT-COST> 0
<INVESTMENTS-AT-VALUE> 0
<RECEIVABLES> 3264
<ASSETS-OTHER> 117746
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 121010
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 7519
<TOTAL-LIABILITIES> 7519
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 113500
<SHARES-COMMON-STOCK> 11542
<SHARES-COMMON-PRIOR> 2611
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (9)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 113491
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 0
<OTHER-INCOME> 3561
<EXPENSES-NET> 291
<NET-INVESTMENT-INCOME> 3270
<REALIZED-GAINS-CURRENT> (2)
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 3268
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (3270)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> (20)
<NUMBER-OF-SHARES-SOLD> 16358
<NUMBER-OF-SHARES-REDEEMED> (7762)
<SHARES-REINVESTED> 335
<NET-CHANGE-IN-ASSETS> 88399
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (7)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 174
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 41901
<AVERAGE-NET-ASSETS> 62377
<PER-SHARE-NAV-BEGIN> 9.61
<PER-SHARE-NII> 0.31
<PER-SHARE-GAIN-APPREC> 0.22
<PER-SHARE-DIVIDEND> (0.31)
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 9.83
<EXPENSE-RATIO> 0.47
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<MULTIPLIER> 1
<SERIES>
<NUMBER> 2
<NAME> HIGH QUALITY BOND FUND
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-END> DEC-31-1995
<INVESTMENTS-AT-COST> 0
<INVESTMENTS-AT-VALUE> 0
<RECEIVABLES> 2746
<ASSETS-OTHER> 77992
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 80738
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 9571
<TOTAL-LIABILITIES> 9571
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 69492
<SHARES-COMMON-STOCK> 6706
<SHARES-COMMON-PRIOR> 2115
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 1675
<NET-ASSETS> 71167
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 0
<OTHER-INCOME> 3097
<EXPENSES-NET> 237
<NET-INVESTMENT-INCOME> 2860
<REALIZED-GAINS-CURRENT> (80)
<APPREC-INCREASE-CURRENT> 1828
<NET-CHANGE-FROM-OPS> 4608
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (2860)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> (32)
<NUMBER-OF-SHARES-SOLD> 5398
<NUMBER-OF-SHARES-REDEEMED> (1081)
<SHARES-REINVESTED> 274
<NET-CHANGE-IN-ASSETS> 50295
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (143)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 127
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 39134
<AVERAGE-NET-ASSETS> 43132
<PER-SHARE-NAV-BEGIN> 9.87
<PER-SHARE-NII> 0.42
<PER-SHARE-GAIN-APPREC> 0.74
<PER-SHARE-DIVIDEND> (0.42)
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 10.61
<EXPENSE-RATIO> 0.55
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<MULTIPLIER> 1
<SERIES>
<NUMBER> 3
<NAME> GOVERNMENT / CORPORATE BOND FUND
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-END> DEC-31-1995
<INVESTMENTS-AT-COST> 0
<INVESTMENTS-AT-VALUE> 0
<RECEIVABLES> 2926
<ASSETS-OTHER> 181897
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 184823
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 9744
<TOTAL-LIABILITIES> 9744
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 167025
<SHARES-COMMON-STOCK> 15091
<SHARES-COMMON-PRIOR> 2315
<ACCUMULATED-NII-CURRENT> 237
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 7817
<NET-ASSETS> 175079
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 0
<OTHER-INCOME> 4450
<EXPENSES-NET> 318
<NET-INVESTMENT-INCOME> 4132
<REALIZED-GAINS-CURRENT> 436
<APPREC-INCREASE-CURRENT> 7786
<NET-CHANGE-FROM-OPS> 12354
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (3895)
<DISTRIBUTIONS-OF-GAINS> (616)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 12536
<NUMBER-OF-SHARES-REDEEMED> (153)
<SHARES-REINVESTED> 393
<NET-CHANGE-IN-ASSETS> 152142
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (296)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 190
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 39409
<AVERAGE-NET-ASSETS> 69748
<PER-SHARE-NAV-BEGIN> 9.91
<PER-SHARE-NII> 0.30
<PER-SHARE-GAIN-APPREC> 1.71
<PER-SHARE-DIVIDEND> (0.28)
<PER-SHARE-DISTRIBUTIONS> (0.04)
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 11.60
<EXPENSE-RATIO> 0.46
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<MULTIPLIER> 1
<SERIES>
<NUMBER> 4
<NAME> BALANCED FUND
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-END> DEC-31-1995
<INVESTMENTS-AT-COST> 0
<INVESTMENTS-AT-VALUE> 0
<RECEIVABLES> 25
<ASSETS-OTHER> 908053
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 908078
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 12727
<TOTAL-LIABILITIES> 12727
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 858080
<SHARES-COMMON-STOCK> 74370
<SHARES-COMMON-PRIOR> 15087
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (164)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 37435
<NET-ASSETS> 895351
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 0
<OTHER-INCOME> 17743
<EXPENSES-NET> 1855
<NET-INVESTMENT-INCOME> 15888
<REALIZED-GAINS-CURRENT> 46806
<APPREC-INCREASE-CURRENT> 38415
<NET-CHANGE-FROM-OPS> 101109
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (15888)
<DISTRIBUTIONS-OF-GAINS> (33999)
<DISTRIBUTIONS-OTHER> (7809)
<NUMBER-OF-SHARES-SOLD> 56925
<NUMBER-OF-SHARES-REDEEMED> (2522)
<SHARES-REINVESTED> 4880
<NET-CHANGE-IN-ASSETS> 743722
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (57)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 1354
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 44251
<AVERAGE-NET-ASSETS> 466956
<PER-SHARE-NAV-BEGIN> 10.05
<PER-SHARE-NII> 0.24
<PER-SHARE-GAIN-APPREC> 2.61
<PER-SHARE-DIVIDEND> (0.24)
<PER-SHARE-DISTRIBUTIONS> (0.51)
<RETURNS-OF-CAPITAL> (0.11)
<PER-SHARE-NAV-END> 12.04
<EXPENSE-RATIO> 0.40
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<MULTIPLIER> 1
<SERIES>
<NUMBER> 5
<NAME> EQUITY INCOME FUND
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-END> DEC-31-1995
<INVESTMENTS-AT-COST> 0
<INVESTMENTS-AT-VALUE> 0
<RECEIVABLES> 2830
<ASSETS-OTHER> 596180
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 599010
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 8629
<TOTAL-LIABILITIES> 8629
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 534460
<SHARES-COMMON-STOCK> 45109
<SHARES-COMMON-PRIOR> 7133
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 77
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 55844
<NET-ASSETS> 590381
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 0
<OTHER-INCOME> 7800
<EXPENSES-NET> 1029
<NET-INVESTMENT-INCOME> 6771
<REALIZED-GAINS-CURRENT> 5403
<APPREC-INCREASE-CURRENT> 57407
<NET-CHANGE-FROM-OPS> 69581
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (6771)
<DISTRIBUTIONS-OF-GAINS> (1606)
<DISTRIBUTIONS-OTHER> (3588)
<NUMBER-OF-SHARES-SOLD> 39030
<NUMBER-OF-SHARES-REDEEMED> (1983)
<SHARES-REINVESTED> 929
<NET-CHANGE-IN-ASSETS> 519526
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (87)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 675
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 41772
<AVERAGE-NET-ASSETS> 240171
<PER-SHARE-NAV-BEGIN> 9.93
<PER-SHARE-NII> 0.16
<PER-SHARE-GAIN-APPREC> 3.28
<PER-SHARE-DIVIDEND> (0.16)
<PER-SHARE-DISTRIBUTIONS> (0.04)
<RETURNS-OF-CAPITAL> (0.08)
<PER-SHARE-NAV-END> 13.09
<EXPENSE-RATIO> 0.43
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<MULTIPLIER> 1
<SERIES>
<NUMBER> 6
<NAME> GROWTH & INCOME FUND
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-END> DEC-31-1995
<INVESTMENTS-AT-COST> 0
<INVESTMENTS-AT-VALUE> 0
<RECEIVABLES> 950
<ASSETS-OTHER> 451018
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 451968
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 8330
<TOTAL-LIABILITIES> 8330
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 455109
<SHARES-COMMON-STOCK> 38683
<SHARES-COMMON-PRIOR> 5918
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (485)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> (10986)
<NET-ASSETS> 443638
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 0
<OTHER-INCOME> 2678
<EXPENSES-NET> 739
<NET-INVESTMENT-INCOME> 1939
<REALIZED-GAINS-CURRENT> 60927
<APPREC-INCREASE-CURRENT> (11518)
<NET-CHANGE-FROM-OPS> 51348
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (1939)
<DISTRIBUTIONS-OF-GAINS> (30065)
<DISTRIBUTIONS-OTHER> (31070)
<NUMBER-OF-SHARES-SOLD> 30176
<NUMBER-OF-SHARES-REDEEMED> (3040)
<SHARES-REINVESTED> 5629
<NET-CHANGE-IN-ASSETS> 383163
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (451)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 538
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 40021
<AVERAGE-NET-ASSETS> 189944
<PER-SHARE-NAV-BEGIN> 10.22
<PER-SHARE-NII> 0.06
<PER-SHARE-GAIN-APPREC> 3.18
<PER-SHARE-DIVIDEND> (0.06)
<PER-SHARE-DISTRIBUTIONS> (0.95)
<RETURNS-OF-CAPITAL> (0.98)
<PER-SHARE-NAV-END> 11.47
<EXPENSE-RATIO> 0.39
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<MULTIPLIER> 1
<SERIES>
<NUMBER> 7
<NAME> EQUITY GROWTH FUND
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-END> DEC-31-1995
<INVESTMENTS-AT-COST> 0
<INVESTMENTS-AT-VALUE> 0
<RECEIVABLES> 41
<ASSETS-OTHER> 624700
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 624741
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 6424
<TOTAL-LIABILITIES> 6424
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 587269
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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
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<NAME> SPECIAL EQUITY FUND
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