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<PAGE> PAGE 2
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<PAGE> PAGE 5
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<PAGE> PAGE 10
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<PAGE> PAGE 11
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SIGNATURE ALEX M. CICCONE
TITLE ASSISTANT SECRETARY
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</TABLE>
<TABLE> <S> <C>
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<NAME> FLORIDA TAX-FREE MONEY MARKET FUND
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</TABLE>
<TABLE> <S> <C>
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</TABLE>
KPMG
112 East Pecan, Suite 2400
San Antonio, TX 78205-1585
INDEPENDENT AUDITORS' REPORT
The Shareholders and the Board of Trustees
USAA State Tax-Free Trust:
In planning and performing our audits of the financial statements of the USAA
Florida Tax-Free Income, USAA Florida Tax-Free Money Market, USAA Texas Tax-Free
Income and USAA Texas Tax-Free Money Market Funds, separate funds of USAA State
Tax-Free Trust, for the year ended March 31, 1999, we considered internal
control, including control activities for safeguarding securities, in order to
determine our auditing procedures for the purpose of expressing our opinions on
the financial statements and to comply with the requirements of Form N-SAR, not
to provide assurance on internal control.
The management of USAA State Tax-Free 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 internal control, error or fraud may occur
and not be detected. Also, projection of any evaluation of internal control to
future periods is subject to the risk that it may become inadequate because of
changes in conditions or that the effectiveness of the design and operation may
deteriorate.
Our consideration of 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
internal control and its operation, including controls for safeguarding
securities, that we consider to be material weaknesses, as defined above, as of
March 31, 1999.
This report is intended solely for the information and use of management, the
Board of Trustees of USAA State Tax-Free 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.
KPMG LLP
May 7, 1999
