<PAGE> PAGE 1
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<PAGE> PAGE 2
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<PAGE> PAGE 3
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<PAGE> PAGE 4
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<PAGE> PAGE 5
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<PAGE> PAGE 6
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<PAGE> PAGE 7
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<PAGE> PAGE 8
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<PAGE> PAGE 9
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<PAGE> PAGE 10
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<PAGE> PAGE 11
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<PAGE> PAGE 12
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<PAGE> PAGE 13
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<PAGE> PAGE 14
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<PAGE> PAGE 15
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<PAGE> PAGE 16
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<PAGE> PAGE 17
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<PAGE> PAGE 18
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<PAGE> PAGE 19
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<PAGE> PAGE 20
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<PAGE> PAGE 21
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072 F000600 0
072 G000600 6
072 H000600 0
072 I000600 0
072 J000600 0
072 K000600 0
072 L000600 5
072 M000600 5
072 N000600 23
072 O000600 0
072 P000600 0
072 Q000600 10
072 R000600 4
072 S000600 2
072 T000600 5
072 U000600 0
072 V000600 0
072 W000600 4
072 X000600 64
072 Y000600 54
072 Z000600 9
072AA000600 245
072BB000600 0
072CC010600 97
072CC020600 0
072DD010600 0
072DD020600 0
072EE000600 0
073 A010600 0.1500
073 A020600 0.0000
073 B000600 0.0000
073 C000600 0.0000
074 A000600 0
074 B000600 0
074 C000600 0
074 D000600 0
074 E000600 0
074 F000600 0
<PAGE> PAGE 22
074 G000600 0
074 H000600 0
074 I000600 5468
074 J000600 0
074 K000600 36
074 L000600 0
074 M000600 0
074 N000600 5504
074 O000600 0
074 P000600 0
074 Q000600 0
074 R010600 0
074 R020600 0
074 R030600 0
074 R040600 20
074 S000600 0
074 T000600 5484
074 U010600 398
074 U020600 0
074 V010600 13.78
074 V020600 0.00
074 W000600 0.0000
074 X000600 3621
074 Y000600 0
075 A000600 0
075 B000600 1918
076 000600 0.00
028 A010700 514
028 A020700 0
028 A030700 0
028 A040700 17
028 B010700 183
028 B020700 0
028 B030700 0
028 B040700 44
028 C010700 365
028 C020700 0
028 C030700 0
028 C040700 14
028 D010700 310
028 D020700 0
028 D030700 0
028 D040700 6
028 E010700 375
028 E020700 0
028 E030700 0
028 E040700 4
028 F010700 476
028 F020700 292
028 F030700 0
028 F040700 18
<PAGE> PAGE 23
028 G010700 2223
028 G020700 292
028 G030700 0
028 G040700 103
028 H000700 0
070 A010700 Y
070 A020700 Y
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
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 N
070 L010700 Y
070 L020700 Y
070 M010700 Y
070 M020700 N
070 N010700 Y
070 N020700 Y
070 O010700 Y
070 O020700 N
070 P010700 N
070 P020700 N
070 Q010700 N
070 Q020700 N
070 R010700 Y
070 R020700 N
071 A000700 0
071 B000700 0
071 C000700 0
071 D000700 0
072 A000700 12
072 B000700 0
072 C000700 0
072 D000700 0
072 E000700 -4
072 F000700 0
<PAGE> PAGE 24
072 G000700 5
072 H000700 0
072 I000700 0
072 J000700 0
072 K000700 0
072 L000700 4
072 M000700 4
072 N000700 23
072 O000700 0
072 P000700 0
072 Q000700 10
072 R000700 4
072 S000700 2
072 T000700 4
072 U000700 0
072 V000700 0
072 W000700 1
072 X000700 57
072 Y000700 53
072 Z000700 -8
072AA000700 665
072BB000700 0
072CC010700 0
072CC020700 385
072DD010700 0
072DD020700 0
072EE000700 0
073 A010700 0.0000
073 A020700 0.0000
073 B000700 1.1800
073 C000700 0.0900
074 A000700 0
074 B000700 0
074 C000700 0
074 D000700 0
074 E000700 0
074 F000700 0
074 G000700 0
074 H000700 0
074 I000700 3854
074 J000700 0
074 K000700 20
074 L000700 0
074 M000700 0
074 N000700 3874
074 O000700 0
074 P000700 0
074 Q000700 0
074 R010700 0
074 R020700 0
074 R030700 0
<PAGE> PAGE 25
074 R040700 14
074 S000700 0
074 T000700 3860
074 U010700 266
074 U020700 0
074 V010700 14.50
074 V020700 0.00
074 W000700 0.0000
074 X000700 3037
074 Y000700 0
075 A000700 0
075 B000700 1655
076 000700 0.00
028 A010800 694
028 A020800 0
028 A030800 0
028 A040800 6
028 B010800 1045
028 B020800 0
028 B030800 0
028 B040800 18
028 C010800 624
028 C020800 0
028 C030800 0
028 C040800 694
028 D010800 880
028 D020800 0
028 D030800 0
028 D040800 15
028 E010800 1506
028 E020800 0
028 E030800 0
028 E040800 65
028 F010800 1924
028 F020800 186
028 F030800 0
028 F040800 9
028 G010800 6673
028 G020800 186
028 G030800 0
028 G040800 807
028 H000800 0
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
<PAGE> PAGE 26
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
070 M010800 Y
070 M020800 N
070 N010800 Y
070 N020800 Y
070 O010800 Y
070 O020800 N
070 P010800 N
070 P020800 N
070 Q010800 N
070 Q020800 N
070 R010800 Y
070 R020800 N
071 A000800 0
071 B000800 0
071 C000800 0
071 D000800 0
072 A000800 12
072 B000800 0
072 C000800 0
072 D000800 0
072 E000800 7
072 F000800 0
072 G000800 7
072 H000800 0
072 I000800 0
072 J000800 0
072 K000800 0
072 L000800 6
072 M000800 5
072 N000800 23
072 O000800 0
072 P000800 0
072 Q000800 10
072 R000800 4
072 S000800 3
072 T000800 6
<PAGE> PAGE 27
072 U000800 0
072 V000800 0
072 W000800 3
072 X000800 67
072 Y000800 52
072 Z000800 -8
072AA000800 326
072BB000800 0
072CC010800 270
072CC020800 0
072DD010800 0
072DD020800 0
072EE000800 0
073 A010800 0.0300
073 A020800 0.0000
073 B000800 0.3800
073 C000800 0.0300
074 A000800 0
074 B000800 0
074 C000800 0
074 D000800 0
074 E000800 0
074 F000800 0
074 G000800 0
074 H000800 0
074 I000800 7689
074 J000800 0
074 K000800 68
074 L000800 0
074 M000800 0
074 N000800 7757
074 O000800 0
074 P000800 0
074 Q000800 0
074 R010800 0
074 R020800 0
074 R030800 0
074 R040800 21
074 S000800 0
074 T000800 7736
074 U010800 453
074 U020800 0
074 V010800 17.09
074 V020800 0.00
074 W000800 0.0000
074 X000800 4559
074 Y000800 0
075 A000800 0
075 B000800 2441
076 000800 0.00
028 A010900 102
<PAGE> PAGE 28
028 A020900 0
028 A030900 0
028 A040900 0
028 B010900 82
028 B020900 0
028 B030900 0
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028 C010900 205
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028 E010900 188
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028 F010900 151
028 F020900 13
028 F030900 0
028 F040900 1
028 G010900 801
028 G020900 13
028 G030900 0
028 G040900 5
028 H000900 0
070 A010900 Y
070 A020900 Y
070 B010900 Y
070 B020900 N
070 C010900 Y
070 C020900 N
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 Y
<PAGE> PAGE 29
070 L020900 N
070 M010900 Y
070 M020900 N
070 N010900 Y
070 N020900 Y
070 O010900 Y
070 O020900 N
070 P010900 N
070 P020900 N
070 Q010900 N
070 Q020900 N
070 R010900 Y
070 R020900 N
071 A000900 0
071 B000900 0
071 C000900 0
071 D000900 0
072 A000900 12
072 B000900 0
072 C000900 0
072 D000900 0
072 E000900 14
072 F000900 0
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072 I000900 0
072 J000900 0
072 K000900 0
072 L000900 1
072 M000900 1
072 N000900 23
072 O000900 0
072 P000900 0
072 Q000900 10
072 R000900 4
072 S000900 0
072 T000900 1
072 U000900 0
072 V000900 0
072 W000900 0
072 X000900 41
072 Y000900 39
072 Z000900 12
072AA000900 0
072BB000900 0
072CC010900 4
072CC020900 0
072DD010900 0
072DD020900 0
072EE000900 0
073 A010900 0.1400
<PAGE> PAGE 30
073 A020900 0.0000
073 B000900 0.0000
073 C000900 0.0100
074 A000900 0
074 B000900 0
074 C000900 0
074 D000900 0
074 E000900 0
074 F000900 0
074 G000900 0
074 H000900 0
074 I000900 892
074 J000900 0
074 K000900 11
074 L000900 0
074 M000900 0
074 N000900 903
074 O000900 0
074 P000900 0
074 Q000900 0
074 R010900 0
074 R020900 0
074 R030900 0
074 R040900 10
074 S000900 0
074 T000900 893
074 U010900 87
074 U020900 0
074 V010900 10.21
074 V020900 0.00
074 W000900 0.0000
074 X000900 1216
074 Y000900 0
075 A000900 0
075 B000900 276
076 000900 0.00
028 A011000 37
028 A021000 0
028 A031000 0
028 A041000 0
028 B011000 14
028 B021000 0
028 B031000 0
028 B041000 15
028 C011000 207
028 C021000 0
028 C031000 0
028 C041000 1
028 D011000 68
028 D021000 0
028 D031000 0
<PAGE> PAGE 31
028 D041000 0
028 E011000 130
028 E021000 0
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028 E041000 0
028 F011000 212
028 F021000 13
028 F031000 0
028 F041000 1
028 G011000 668
028 G021000 13
028 G031000 0
028 G041000 18
028 H001000 0
070 A011000 Y
070 A021000 N
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 N
070 L011000 Y
070 L021000 N
070 M011000 Y
070 M021000 N
070 N011000 Y
070 N021000 N
070 O011000 Y
070 O021000 N
070 P011000 N
070 P021000 N
070 Q011000 N
070 Q021000 N
070 R011000 Y
070 R021000 N
071 A001000 0
<PAGE> PAGE 32
071 B001000 0
071 C001000 0
071 D001000 0
072 A001000 11
072 B001000 0
072 C001000 0
072 D001000 0
072 E001000 14
072 F001000 0
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072 H001000 0
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072 K001000 0
072 L001000 1
072 M001000 0
072 N001000 23
072 O001000 0
072 P001000 0
072 Q001000 9
072 R001000 4
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072 V001000 0
072 W001000 1
072 X001000 38
072 Y001000 38
072 Z001000 13
072AA001000 0
072BB001000 1
072CC011000 15
072CC021000 0
072DD011000 0
072DD021000 0
072EE001000 0
073 A011000 0.1900
073 A021000 0.0000
073 B001000 0.0000
073 C001000 0.0000
074 A001000 0
074 B001000 0
074 C001000 0
074 D001000 0
074 E001000 0
074 F001000 0
074 G001000 0
074 H001000 0
074 I001000 737
074 J001000 0
074 K001000 10
<PAGE> PAGE 33
074 L001000 0
074 M001000 0
074 N001000 747
074 O001000 0
074 P001000 0
074 Q001000 0
074 R011000 0
074 R021000 0
074 R031000 0
074 R041000 8
074 S001000 0
074 T001000 739
074 U011000 69
074 U021000 0
074 V011000 10.68
074 V021000 0.00
074 W001000 0.0000
074 X001000 1248
074 Y001000 0
075 A001000 0
075 B001000 171
076 001000 0.00
028 A011100 231
028 A021100 0
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028 B011100 116
028 B021100 0
028 B031100 0
028 B041100 4
028 C011100 157
028 C021100 0
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028 C041100 1
028 D011100 263
028 D021100 0
028 D031100 0
028 D041100 2
028 E011100 765
028 E021100 0
028 E031100 0
028 E041100 1
028 F011100 527
028 F021100 23
028 F031100 0
028 F041100 2
028 G011100 2059
028 G021100 23
028 G031100 0
028 G041100 10
028 H001100 0
<PAGE> PAGE 34
070 A011100 Y
070 A021100 N
070 B011100 Y
070 B021100 N
070 C011100 Y
070 C021100 N
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
070 I011100 Y
070 I021100 N
070 J011100 Y
070 J021100 N
070 K011100 Y
070 K021100 N
070 L011100 Y
070 L021100 Y
070 M011100 Y
070 M021100 Y
070 N011100 Y
070 N021100 N
070 O011100 Y
070 O021100 N
070 P011100 N
070 P021100 N
070 Q011100 N
070 Q021100 N
070 R011100 Y
070 R021100 N
071 A001100 0
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<PAGE> PAGE 35
072 L001100 1
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074 T001100 2399
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<PAGE> PAGE 36
074 V011100 11.27
074 V021100 0.00
074 W001100 0.0000
074 X001100 2589
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076 001100 0.00
028 A011200 18
028 A021200 0
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028 D011200 91
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028 F011200 79
028 F021200 2
028 F031200 0
028 F041200 8
028 G011200 326
028 G021200 2
028 G031200 0
028 G041200 10
028 H001200 0
070 A011200 Y
070 A021200 Y
070 B011200 Y
070 B021200 N
070 C011200 Y
070 C021200 N
070 D011200 Y
070 D021200 N
070 E011200 Y
070 E021200 N
070 F011200 Y
070 F021200 N
070 G011200 Y
070 G021200 N
<PAGE> PAGE 37
070 H011200 Y
070 H021200 N
070 I011200 Y
070 I021200 N
070 J011200 Y
070 J021200 N
070 K011200 Y
070 K021200 N
070 L011200 Y
070 L021200 N
070 M011200 Y
070 M021200 N
070 N011200 Y
070 N021200 N
070 O011200 Y
070 O021200 N
070 P011200 N
070 P021200 N
070 Q011200 N
070 Q021200 N
070 R011200 Y
070 R021200 N
071 A001200 0
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072 Y001200 36
<PAGE> PAGE 38
072 Z001200 -1
072AA001200 21
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072EE001200 0
073 A011200 0.0400
073 A021200 0.0000
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074 R041200 10
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074 U011200 35
074 U021200 0
074 V011200 9.43
074 V021200 0.00
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074 X001200 1123
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076 001200 0.00
028 A011300 6
028 A021300 0
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028 B011300 9
028 B021300 0
<PAGE> PAGE 39
028 B031300 0
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028 C021300 0
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028 D011300 75
028 D021300 0
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028 D041300 0
028 E011300 188
028 E021300 0
028 E031300 0
028 E041300 0
028 F011300 56
028 F021300 5
028 F031300 0
028 F041300 0
028 G011300 353
028 G021300 5
028 G031300 0
028 G041300 0
028 H001300 0
070 A011300 Y
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 N
070 L011300 Y
070 L021300 N
070 M011300 Y
070 M021300 N
070 N011300 Y
070 N021300 N
<PAGE> PAGE 40
070 O011300 Y
070 O021300 N
070 P011300 N
070 P021300 N
070 Q011300 N
070 Q021300 N
070 R011300 Y
070 R021300 N
071 A001300 0
071 B001300 0
071 C001300 0
071 D001300 0
072 A001300 9
072 B001300 0
072 C001300 0
072 D001300 0
072 E001300 1
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072 G001300 0
072 H001300 0
072 I001300 0
072 J001300 0
072 K001300 1
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072 M001300 0
072 N001300 23
072 O001300 0
072 P001300 0
072 Q001300 7
072 R001300 4
072 S001300 0
072 T001300 0
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072 V001300 0
072 W001300 0
072 X001300 35
072 Y001300 34
072 Z001300 1
072AA001300 6
072BB001300 0
072CC011300 14
072CC021300 0
072DD011300 0
072DD021300 0
072EE001300 0
073 A011300 0.0100
073 A021300 0.0000
073 B001300 0.1200
073 C001300 0.0000
074 A001300 0
074 B001300 0
<PAGE> PAGE 41
074 C001300 0
074 D001300 0
074 E001300 0
074 F001300 0
074 G001300 0
074 H001300 0
074 I001300 384
074 J001300 0
074 K001300 12
074 L001300 0
074 M001300 0
074 N001300 396
074 O001300 0
074 P001300 0
074 Q001300 0
074 R011300 0
074 R021300 0
074 R031300 0
074 R041300 10
074 S001300 0
074 T001300 386
074 U011300 36
074 U021300 0
074 V011300 10.75
074 V021300 0.00
074 W001300 0.0000
074 X001300 1058
074 Y001300 0
075 A001300 0
075 B001300 114
076 001300 0.00
SIGNATURE ALFRED C. SYLVAIN
TITLE VICE PRESIDENT
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
[DESCRIPTION] Article 6 Fin. Data Schedule 12/31/96
<ARTICLE> 6
<SERIES>
<NUMBER> 1
<NAME> MONEY MARKET FUND
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> Year
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-END> DEC-31-1996
<INVESTMENTS-AT-COST> 0
<INVESTMENTS-AT-VALUE> 3,752,992
<RECEIVABLES> 46,514
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 3,799,506
<PAYABLE-FOR-SECURITIES> 33
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 15,671
<TOTAL-LIABILITIES> 15,704
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 3,783,942
<SHARES-COMMON-STOCK> 374,174
<SHARES-COMMON-PRIOR> 11,542
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (131)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 3,783,802
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 0
<OTHER-INCOME> 71,242
<EXPENSES-NET> 6,651
<NET-INVESTMENT-INCOME> 64,591
<REALIZED-GAINS-CURRENT> (131)
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 64,460
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (64,451)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> (5,649)
<NUMBER-OF-SHARES-SOLD> 1,175,725
<NUMBER-OF-SHARES-REDEEMED> (820,034)
<SHARES-REINVESTED> 6,941
<NET-CHANGE-IN-ASSETS> 3,670,311
<ACCUMULATED-NII-PRIOR> 3,270
<ACCUMULATED-GAINS-PRIOR> (2)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 20
<GROSS-ADVISORY-FEES> 0
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 54,985
<AVERAGE-NET-ASSETS> 1,356,225
<PER-SHARE-NAV-BEGIN> 9.83
<PER-SHARE-NII> 0.19
<PER-SHARE-GAIN-APPREC> 0.30
<PER-SHARE-DIVIDEND> 0.19
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 0.02
<PER-SHARE-NAV-END> 10.11
<EXPENSE-RATIO> 0.08
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0.00
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
[DESCRIPTION] Article 6 Fin. Data Schedule 12/31/96
<ARTICLE> 6
<SERIES>
<NUMBER> 2
<NAME> HIGH QUALITY BOND FUND
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> Year
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-END> DEC-31-1996
<INVESTMENTS-AT-COST> 0
<INVESTMENTS-AT-VALUE> 947,120
<RECEIVABLES> 26,972
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 974,092
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 8,061
<TOTAL-LIABILITIES> 8,061
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 963,848
<SHARES-COMMON-STOCK> 88,671
<SHARES-COMMON-PRIOR> 6,706
<ACCUMULATED-NII-CURRENT> 219
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (820)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 1,964
<NET-ASSETS> 966,031
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 0
<OTHER-INCOME> 20,565
<EXPENSES-NET> 1,931
<NET-INVESTMENT-INCOME> 18,634
<REALIZED-GAINS-CURRENT> (820)
<APPREC-INCREASE-CURRENT> 289
<NET-CHANGE-FROM-OPS> 18,103
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (18,249)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 99,550
<NUMBER-OF-SHARES-REDEEMED> (19,260)
<SHARES-REINVESTED> 1,675
<NET-CHANGE-IN-ASSETS> 894,864
<ACCUMULATED-NII-PRIOR> 2,860
<ACCUMULATED-GAINS-PRIOR> 1,748
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 32
<GROSS-ADVISORY-FEES> 0
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 40,782
<AVERAGE-NET-ASSETS> 333,765
<PER-SHARE-NAV-BEGIN> 10.61
<PER-SHARE-NII> 0.20
<PER-SHARE-GAIN-APPREC> 0.28
<PER-SHARE-DIVIDEND> 0.20
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 10.89
<EXPENSE-RATIO> 0.98
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0.00
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
[DESCRIPTION] Article 6 Fin. Data Schedule 12/31/96
<ARTICLE> 6
<SERIES>
<NUMBER> 3
<NAME> INTERMEDIATE GOVERNMENT BOND FUND
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> Year
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-END> DEC-31-1996
<INVESTMENTS-AT-COST> 0
<INVESTMENTS-AT-VALUE> 2,042,444
<RECEIVABLES> 23,093
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 2,065,537
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 9,410
<TOTAL-LIABILITIES> 9,410
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 2,044,751
<SHARES-COMMON-STOCK> 175,879
<SHARES-COMMON-PRIOR> 74,370
<ACCUMULATED-NII-CURRENT> 1,067
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (149)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 11,420
<NET-ASSETS> 2,056,127
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 0
<OTHER-INCOME> 40,075
<EXPENSES-NET> 3,681
<NET-INVESTMENT-INCOME> 36,394
<REALIZED-GAINS-CURRENT> (149)
<APPREC-INCREASE-CURRENT> 3,603
<NET-CHANGE-FROM-OPS> 39,848
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (36,587)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 170,137
<NUMBER-OF-SHARES-REDEEMED> (12,473)
<SHARES-REINVESTED> 3,124
<NET-CHANGE-IN-ASSETS> 1,881,048
<ACCUMULATED-NII-PRIOR> 4,132
<ACCUMULATED-GAINS-PRIOR> 8,222
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 0
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 44,204
<AVERAGE-NET-ASSETS> 622,261
<PER-SHARE-NAV-BEGIN> 11.60
<PER-SHARE-NII> 0.23
<PER-SHARE-GAIN-APPREC> 0.10
<PER-SHARE-DIVIDEND> 0.22
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 11.69
<EXPENSE-RATIO> 0.99
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0.00
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
[DESCRIPTION] Article 6 Fin. Data Schedule 12/31/96
<ARTICLE> 6
<SERIES>
<NUMBER> 4
<NAME> GOVERNMENT / CORPORATE BOND FUND
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> Year
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-END> DEC-31-1996
<INVESTMENTS-AT-COST> 0
<INVESTMENTS-AT-VALUE> 5,144,165
<RECEIVABLES> 52,775
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 5,196,940
<PAYABLE-FOR-SECURITIES> 210
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 14,617
<TOTAL-LIABILITIES> 14,827
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 5,017,955
<SHARES-COMMON-STOCK> 390,399
<SHARES-COMMON-PRIOR> 45,109
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 264,051
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 161,171
<NET-ASSETS> 5,182,113
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 0
<OTHER-INCOME> 85,336
<EXPENSES-NET> 11,804
<NET-INVESTMENT-INCOME> 73,532
<REALIZED-GAINS-CURRENT> 264,051
<APPREC-INCREASE-CURRENT> 123,736
<NET-CHANGE-FROM-OPS> 461,319
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (73,532)
<DISTRIBUTIONS-OF-GAINS> (188,578)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 320,635
<NUMBER-OF-SHARES-REDEEMED> (24,343)
<SHARES-REINVESTED> 19,737
<NET-CHANGE-IN-ASSETS> 4,286,762
<ACCUMULATED-NII-PRIOR> 15,888
<ACCUMULATED-GAINS-PRIOR> 85,221
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 7,809
<GROSS-ADVISORY-FEES> 0
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 65,524
<AVERAGE-NET-ASSETS> 2,536,572
<PER-SHARE-NAV-BEGIN> 12.04
<PER-SHARE-NII> 0.21
<PER-SHARE-GAIN-APPREC> 1.77
<PER-SHARE-DIVIDEND> 0.21
<PER-SHARE-DISTRIBUTIONS> 0.54
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 13.27
<EXPENSE-RATIO> 0.97
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0.00
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
[DESCRIPTION] Article 6 Fin. Data Schedule 12/31/96
<ARTICLE> 6
<SERIES>
<NUMBER> 5
<NAME> BALANCED FUND
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> Year
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-END> DEC-31-1996
<INVESTMENTS-AT-COST> 0
<INVESTMENTS-AT-VALUE> 7,438,888
<RECEIVABLES> 39,755
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 7,478,643
<PAYABLE-FOR-SECURITIES> 2,190
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 21,074
<TOTAL-LIABILITIES> 23,264
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 7,030,266
<SHARES-COMMON-STOCK> 488,902
<SHARES-COMMON-PRIOR> 38,683
<ACCUMULATED-NII-CURRENT> 8,029
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 111,136
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 413,615
<NET-ASSETS> 7,455,379
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 0
<OTHER-INCOME> 72,070
<EXPENSES-NET> 12,978
<NET-INVESTMENT-INCOME> 59,092
<REALIZED-GAINS-CURRENT> 111,136
<APPREC-INCREASE-CURRENT> 357,771
<NET-CHANGE-FROM-OPS> 527,999
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (68,841)
<DISTRIBUTIONS-OF-GAINS> (18,502)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 477,665
<NUMBER-OF-SHARES-REDEEMED> (39,558)
<SHARES-REINVESTED> 5,686
<NET-CHANGE-IN-ASSETS> 6,864,998
<ACCUMULATED-NII-PRIOR> 6,771
<ACCUMULATED-GAINS-PRIOR> 62,810
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 3,588
<GROSS-ADVISORY-FEES> 0
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 69,356
<AVERAGE-NET-ASSETS> 2,532,774
<PER-SHARE-NAV-BEGIN> 13.09
<PER-SHARE-NII> 0.14
<PER-SHARE-GAIN-APPREC> 2.18
<PER-SHARE-DIVIDEND> 0.16
<PER-SHARE-DISTRIBUTIONS> 0.04
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 15.25
<EXPENSE-RATIO> 1.00
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0.00
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
[DESCRIPTION] Article 6 Fin. Data Schedule 12/31/96
<ARTICLE> 6
<SERIES>
<NUMBER> 6
<NAME> EQUITY INCOME FUND
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> Year
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-END> DEC-31-1996
<INVESTMENTS-AT-COST> 0
<INVESTMENTS-AT-VALUE> 5,467,748
<RECEIVABLES> 36,403
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 5,504,151
<PAYABLE-FOR-SECURITIES> 1,041
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 19,363
<TOTAL-LIABILITIES> 20,404
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 5,367,353
<SHARES-COMMON-STOCK> 397,951
<SHARES-COMMON-PRIOR> 43,043
<ACCUMULATED-NII-CURRENT> 18,724
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 245,458
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 86,261
<NET-ASSETS> 5,483,747
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 0
<OTHER-INCOME> 18,315
<EXPENSES-NET> 9,320
<NET-INVESTMENT-INCOME> 8,995
<REALIZED-GAINS-CURRENT> 245,458
<APPREC-INCREASE-CURRENT> 97,247
<NET-CHANGE-FROM-OPS> 351,700
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (57,057)
<DISTRIBUTIONS-OF-GAINS> (7,997)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 382,209
<NUMBER-OF-SHARES-REDEEMED> (27,604)
<SHARES-REINVESTED> 4,663
<NET-CHANGE-IN-ASSETS> 5,040,109
<ACCUMULATED-NII-PRIOR> 1,939
<ACCUMULATED-GAINS-PRIOR> 49,409
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 31,070
<GROSS-ADVISORY-FEES> 0
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 63,677
<AVERAGE-NET-ASSETS> 1,918,062
<PER-SHARE-NAV-BEGIN> 11.47
<PER-SHARE-NII> 0.15
<PER-SHARE-GAIN-APPREC> 2.29
<PER-SHARE-DIVIDEND> 0.19
<PER-SHARE-DISTRIBUTIONS> 0.02
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 13.78
<EXPENSE-RATIO> 1.14
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0.00
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
[DESCRIPTION] Article 6 Fin. Data Schedule 12/31/96
<ARTICLE> 6
<SERIES>
<NUMBER> 7
<NAME> GROWTH & INCOME FUND
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> Year
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-END> DEC-31-1996
<INVESTMENTS-AT-COST> 0
<INVESTMENTS-AT-VALUE> 3,853,966
<RECEIVABLES> 20,448
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 3,874,414
<PAYABLE-FOR-SECURITIES> 212
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 14,271
<TOTAL-LIABILITIES> 14,483
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 4,206,176
<SHARES-COMMON-STOCK> 266,262
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 664,603
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> (346,245)
<NET-ASSETS> 3,859,931
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 0
<OTHER-INCOME> (3,649)
<EXPENSES-NET> 4,550
<NET-INVESTMENT-INCOME> (8,199)
<REALIZED-GAINS-CURRENT> 664,603
<APPREC-INCREASE-CURRENT> (385,220)
<NET-CHANGE-FROM-OPS> 271,184
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> (271,722)
<DISTRIBUTIONS-OTHER> (20,433)
<NUMBER-OF-SHARES-SOLD> 212,329
<NUMBER-OF-SHARES-REDEEMED> (12,245)
<SHARES-REINVESTED> 19,902
<NET-CHANGE-IN-ASSETS> 3,241,614
<ACCUMULATED-NII-PRIOR> 592
<ACCUMULATED-GAINS-PRIOR> 37,328
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 3,456
<GROSS-ADVISORY-FEES> 0
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 57,193
<AVERAGE-NET-ASSETS> 1,655,143
<PER-SHARE-NAV-BEGIN> 13.36
<PER-SHARE-NII> 0.00
<PER-SHARE-GAIN-APPREC> 2.41
<PER-SHARE-DIVIDEND> 0.00
<PER-SHARE-DISTRIBUTIONS> 1.18
<RETURNS-OF-CAPITAL> 0.09
<PER-SHARE-NAV-END> 14.50
<EXPENSE-RATIO> 1.20
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0.00
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
[DESCRIPTION] Article 6 Fin. Data Schedule 12/31/96
<ARTICLE> 6
<SERIES>
<NUMBER> 8
<NAME> EQUITY GROWTH FUND
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> Year
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-END> DEC-31-1996
<INVESTMENTS-AT-COST> 0
<INVESTMENTS-AT-VALUE> 7,689,435
<RECEIVABLES> 68,153
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 7,757,588
<PAYABLE-FOR-SECURITIES> 1,025
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 20,216
<TOTAL-LIABILITIES> 21,241
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 7,439,142
<SHARES-COMMON-STOCK> 452,759
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 325,617
<OVERDISTRIBUTION-GAINS> (14,365)
<ACCUM-APPREC-OR-DEPREC> 311,570
<NET-ASSETS> 7,736,347
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 0
<OTHER-INCOME> 6,920
<EXPENSES-NET> 15,326
<NET-INVESTMENT-INCOME> (8,406)
<REALIZED-GAINS-CURRENT> 325,617
<APPREC-INCREASE-CURRENT> 269,600
<NET-CHANGE-FROM-OPS> 586,811
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> (158,686)
<DISTRIBUTIONS-OTHER> (12,961)
<NUMBER-OF-SHARES-SOLD> 450,805
<NUMBER-OF-SHARES-REDEEMED> (52,148)
<SHARES-REINVESTED> 11,059
<NET-CHANGE-IN-ASSETS> 7,136,053
<ACCUMULATED-NII-PRIOR> (464)
<ACCUMULATED-GAINS-PRIOR> 88,219
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 13,116
<GROSS-ADVISORY-FEES> 0
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 67,464
<AVERAGE-NET-ASSETS> 2,440,670
<PER-SHARE-NAV-BEGIN> 13.95
<PER-SHARE-NII> 0.00
<PER-SHARE-GAIN-APPREC> 3.58
<PER-SHARE-DIVIDEND> 0.00
<PER-SHARE-DISTRIBUTIONS> 0.38
<RETURNS-OF-CAPITAL> 0.03
<PER-SHARE-NAV-END> 17.09
<EXPENSE-RATIO> 1.49
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0.00
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
[DESCRIPTION] Article 6 Fin. Data Schedule 12/31/96
<ARTICLE> 6
<SERIES>
<NUMBER> 9
<NAME> SPECIAL EQUITY FUND
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> Year
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-END> DEC-31-1996
<INVESTMENTS-AT-COST> 0
<INVESTMENTS-AT-VALUE> 891,670
<RECEIVABLES> 11,383
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 903,053
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 9,792
<TOTAL-LIABILITIES> 9,792
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 889,257
<SHARES-COMMON-STOCK> 87,487
<SHARES-COMMON-PRIOR> 15,091
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (389)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 4,004
<NET-ASSETS> 893,261
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 0
<OTHER-INCOME> 13,636
<EXPENSES-NET> 1,251
<NET-INVESTMENT-INCOME> 12,385
<REALIZED-GAINS-CURRENT> (389)
<APPREC-INCREASE-CURRENT> 4,004
<NET-CHANGE-FROM-OPS> 16,000
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (12,303)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> (673)
<NUMBER-OF-SHARES-SOLD> 91,285
<NUMBER-OF-SHARES-REDEEMED> (5,068)
<SHARES-REINVESTED> 1,270
<NET-CHANGE-IN-ASSETS> 893,261
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 0
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 40,246
<AVERAGE-NET-ASSETS> 275,509
<PER-SHARE-NAV-BEGIN> 10.00
<PER-SHARE-NII> 0.14
<PER-SHARE-GAIN-APPREC> 0.22
<PER-SHARE-DIVIDEND> 0.14
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 0.01
<PER-SHARE-NAV-END> 10.21
<EXPENSE-RATIO> 0.94
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0.00
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
[DESCRIPTION] Article 6 Fin. Data Schedule 12/31/96
<ARTICLE> 6
<SERIES>
<NUMBER> 10
<NAME> HIGH YEILD BOND FUND
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> Year
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-END> DEC-31-1996
<INVESTMENTS-AT-COST> 0
<INVESTMENTS-AT-VALUE> 736,328
<RECEIVABLES> 9,858
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 746,186
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 8,086
<TOTAL-LIABILITIES> 8,086
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 722,790
<SHARES-COMMON-STOCK> 69,114
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 1,011
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (1,088)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 15,106
<NET-ASSETS> 738,100
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 0
<OTHER-INCOME> 13,875
<EXPENSES-NET> 758
<NET-INVESTMENT-INCOME> 13,117
<REALIZED-GAINS-CURRENT> (1,088)
<APPREC-INCREASE-CURRENT> 15,106
<NET-CHANGE-FROM-OPS> 27,135
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (12,551)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 69,866
<NUMBER-OF-SHARES-REDEEMED> (1,933)
<SHARES-REINVESTED> 1,181
<NET-CHANGE-IN-ASSETS> 738,100
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 0
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 38,278
<AVERAGE-NET-ASSETS> 170,693
<PER-SHARE-NAV-BEGIN> 10.00
<PER-SHARE-NII> 0.19
<PER-SHARE-GAIN-APPREC> 0.66
<PER-SHARE-DIVIDEND> 0.21
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 10.68
<EXPENSE-RATIO> 15.78
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0.00
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
[DESCRIPTION] Article 6 Fin. Data Schedule 12/31/96
<ARTICLE> 6
<SERIES>
<NUMBER> 11
<NAME> INTERNATIONAL EQUITY FUND
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> Year
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-END> DEC-31-1996
<INVESTMENTS-AT-COST> 0
<INVESTMENTS-AT-VALUE> 2,371,416
<RECEIVABLES> 41,074
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 2,412,490
<PAYABLE-FOR-SECURITIES> 84
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 14,127
<TOTAL-LIABILITIES> 14,211
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 2,326,763
<SHARES-COMMON-STOCK> 212,884
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> (7,585)
<ACCUMULATED-NET-GAINS> 13,712
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 78,137
<NET-ASSETS> 2,398,279
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 0
<OTHER-INCOME> 4,162
<EXPENSES-NET> 1,663
<NET-INVESTMENT-INCOME> 2,499
<REALIZED-GAINS-CURRENT> 13,712
<APPREC-INCREASE-CURRENT> 78,137
<NET-CHANGE-FROM-OPS> 98,708
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (2,866)
<DISTRIBUTIONS-OF-GAINS> (8,777)
<DISTRIBUTIONS-OTHER> (3,382)
<NUMBER-OF-SHARES-SOLD> 214,323
<NUMBER-OF-SHARES-REDEEMED> (3,479)
<SHARES-REINVESTED> 2,040
<NET-CHANGE-IN-ASSETS> 2,398,279
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 0
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 45,151
<AVERAGE-NET-ASSETS> 547,197
<PER-SHARE-NAV-BEGIN> 10.00
<PER-SHARE-NII> 0.01
<PER-SHARE-GAIN-APPREC> 1.37
<PER-SHARE-DIVIDEND> 0.01
<PER-SHARE-DISTRIBUTIONS> 0.04
<RETURNS-OF-CAPITAL> 0.02
<PER-SHARE-NAV-END> 11.27
<EXPENSE-RATIO> 1.41
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0.00
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
[DESCRIPTION] Article 6 Fin. Data Schedule 12/31/96
<ARTICLE> 6
<SERIES>
<NUMBER> 12
<NAME> AGGRESSIVE EQUITY FUND
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> Year
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-END> DEC-31-1996
<INVESTMENTS-AT-COST> 0
<INVESTMENTS-AT-VALUE> 323,296
<RECEIVABLES> 12,827
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 336,123
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 9,647
<TOTAL-LIABILITIES> 9,647
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 349,100
<SHARES-COMMON-STOCK> 34,618
<SHARES-COMMON-PRIOR> 0
<ACCUMULATED-NII-CURRENT> 316
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 21,420
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> (22,940)
<NET-ASSETS> 326,476
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 0
<OTHER-INCOME> (360)
<EXPENSES-NET> 243
<NET-INVESTMENT-INCOME> (603)
<REALIZED-GAINS-CURRENT> 21,420
<APPREC-INCREASE-CURRENT> (22,940)
<NET-CHANGE-FROM-OPS> (2,123)
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (1,515)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 37,116
<NUMBER-OF-SHARES-REDEEMED> (2,657)
<SHARES-REINVESTED> 159
<NET-CHANGE-IN-ASSETS> 326,476
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 0
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 35,979
<AVERAGE-NET-ASSETS> 103,275
<PER-SHARE-NAV-BEGIN> 10.00
<PER-SHARE-NII> 0.04
<PER-SHARE-GAIN-APPREC> (0.58)
<PER-SHARE-DIVIDEND> 0.05
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 9.43
<EXPENSE-RATIO> 1.79
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0.00
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
[DESCRIPTION] Article 6 Fin. Data Schedule 12/31/96
<ARTICLE> 6
<SERIES>
<NUMBER> 13
<NAME> EQUITY VALUE FUND
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> Year
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-END> DEC-31-1996
<INVESTMENTS-AT-COST> 0
<INVESTMENTS-AT-VALUE> 383,740
<RECEIVABLES> 11,531
<ASSETS-OTHER> 0
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 395,271
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 10,063
<TOTAL-LIABILITIES> 10,063
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 371,222
<SHARES-COMMON-STOCK> 35,828
<SHARES-COMMON-PRIOR> 46,276
<ACCUMULATED-NII-CURRENT> 296
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 6,142
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 13,694
<NET-ASSETS> 385,208
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 0
<OTHER-INCOME> 981
<EXPENSES-NET> 290
<NET-INVESTMENT-INCOME> 691
<REALIZED-GAINS-CURRENT> 6,142
<APPREC-INCREASE-CURRENT> 13,694
<NET-CHANGE-FROM-OPS> 20,527
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (395)
<DISTRIBUTIONS-OF-GAINS> (4,303)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 35,966
<NUMBER-OF-SHARES-REDEEMED> (576)
<SHARES-REINVESTED> 438
<NET-CHANGE-IN-ASSETS> 385,208
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 0
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 13,773
<AVERAGE-NET-ASSETS> 114,389
<PER-SHARE-NAV-BEGIN> 10.00
<PER-SHARE-NII> 0.01
<PER-SHARE-GAIN-APPREC> 0.86
<PER-SHARE-DIVIDEND> 0.02
<PER-SHARE-DISTRIBUTIONS> 0.12
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 10.75
<EXPENSE-RATIO> 1.50
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0.00
</TABLE>
