<PAGE> PAGE 1
000 A000000 06/30/98
000 C000000 0000923185
000 D000000 N
000 E000000 NF
000 F000000 Y
000 G000000 N
000 H000000 N
000 I000000 3.0.a
000 J000000 A
001 A000000 OCC ACCUMULATION TRUST
001 B000000 811-8512
001 C000000 2125041651
002 A000000 TWO WORLD FINANCIAL CENTER
002 B000000 NEW YORK
002 C000000 NY
002 D010000 10281
003 000000 N
004 000000 N
005 000000 N
006 000000 N
007 A000000 Y
007 B000000 7
007 C010100 1
007 C020100 OCC AT EQUITY PORTFOLIO
007 C030100 N
007 C010200 2
007 C020200 OCC AT SMALL CAP PORTFOLIO
007 C030200 N
007 C010300 3
007 C020300 OCC AT MANAGED PORTFOLIO
007 C030300 N
007 C010400 4
007 C010500 5
007 C020500 OCC AT MONEY MARKET PORTFOLIO
007 C030500 N
007 C010600 6
007 C020600 OCC AT US GOVT INC PORTFOLIO
007 C030600 N
007 C010700 7
007 C020700 OCC AT GLOBAL EQUITY PORTFOLIO
007 C030700 N
007 C010800 8
007 C020800 OCC AT MID CAP PORTFOLIO
007 C030800 N
007 C010900 9
007 C011000 10
008 A00AA01 OPCAP ADVISORS
008 B00AA01 A
008 C00AA01 801-27180
008 D01AA01 NEW YORK
008 D02AA01 NY
<PAGE> PAGE 2
008 D03AA01 10281
010 A00AA01 OPCAP ADVISORS
010 B00AA01 801-27180
010 C01AA01 NEW YORK
010 C02AA01 NY
010 C03AA01 10281
012 A00AA01 STATE STREET BANK & TRUST CO.
012 B00AA01 85-05003
012 C01AA01 BOSTON
012 C02AA01 MA
012 C03AA01 02105
013 A00AA01 PRICEWATERHOUSECOOPERS LLP
013 B01AA01 NEW YORK
013 B02AA01 NY
013 B03AA01 10036
014 A00AA01 DELETE
015 A00AA01 STATE STREET BANK & TRUST CO.
015 B00AA01 C
015 C01AA01 BOSTON
015 C02AA01 MA
015 C03AA01 02105
015 E01AA01 X
018 00AA00 Y
019 A00AA00 Y
019 B00AA00 7
019 C00AA00 OCCACCUMTR
020 A000001 CIBC OPPENHEIMER CORP.
020 B000001 13-5614745
020 C000001 127
020 A000002 SMITH BARNEY INC.
020 B000002 13-1912900
020 C000002 30
020 A000003 CS FIRST BOSTON CORP.
020 B000003 13-5659485
020 C000003 26
020 A000004 LIPPER ANALYTICAL SECURITIES
020 B000004 13-2792478
020 C000004 26
020 A000005 DONALDSON LUFKIN & JENRETTE
020 B000005 13-2741729
020 C000005 16
020 A000006 CORRESPONDENT SERVICES INC.
020 B000006 22-2999831
020 C000006 15
020 A000007 WEEDEN & CO.
020 B000007 13-3364318
020 C000007 14
020 A000008 FACTSET DATA SYSYTEMS
020 B000008 13-3362547
020 C000008 14
020 A000009 MERRILL LYNCH PIERCE, FENNER & SMITH INC.
<PAGE> PAGE 3
020 B000009 13-5674085
020 C000009 10
020 A000010 FRANK RUSSELL
020 C000010 10
021 000000 498
022 A000001 MERRILL LYNCH PIERCE, FENNER & SMITH INC.
022 B000001 13-5674085
022 C000001 293231
022 D000001 27785
022 A000002 HSBC SECURITIES INC.
022 B000002 13-2650272
022 C000002 296950
022 D000002 3438
022 A000003 FORD MOTOR CREDIT CORP.
022 B000003 38-1612444
022 C000003 140714
022 D000003 17085
022 A000004 FIRST CHICAGO CAPITAL CORP.
022 B000004 13-6919539
022 C000004 149820
022 D000004 3313
022 A000005 GENERAL MOTORS ACCEPTANCE CORP.
022 B000005 38-0572512
022 C000005 112339
022 D000005 125
022 A000006 JOHN DEERE CAPITAL CORP.
022 B000006 36-2382580
022 C000006 85369
022 D000006 7483
022 A000007 CIBC OPPENHEIMER & CO.
022 B000007 13-5614745
022 C000007 79895
022 D000007 12783
022 A000008 GENERAL ELECTRIC CAPITAL CORP.
022 B000008 13-1500700
022 C000008 89559
022 D000008 1598
022 A000009 IBM CREDIT CORP.
022 B000009 22-2355192
022 C000009 90054
022 D000009 0
022 A000010 ASSOCIATES CORP.
022 B000010 74-1494554
022 C000010 55293
022 D000010 299
023 C000000 1759104
023 D000000 196254
024 00AA00 N
025 D00AA01 0
025 D00AA02 0
025 D00AA03 0
<PAGE> PAGE 4
025 D00AA04 0
025 D00AA05 0
025 D00AA06 0
025 D00AA07 0
025 D00AA08 0
026 A000000 N
026 B000000 Y
026 C000000 N
026 D000000 Y
026 E000000 N
026 F000000 N
026 G010000 N
026 G020000 N
026 H000000 N
027 000000 Y
029 00AA00 N
030 A00AA00 0
030 B00AA00 0.00
030 C00AA00 0.00
031 A00AA00 0
031 B00AA00 0
032 00AA00 0
033 00AA00 0
034 00AA00 N
035 00AA00 0
036 B00AA00 0
037 00AA00 N
038 00AA00 0
039 00AA00 N
040 00AA00 N
041 00AA00 N
042 A00AA00 0
042 B00AA00 0
042 C00AA00 0
042 D00AA00 0
042 E00AA00 0
042 F00AA00 0
042 G00AA00 0
042 H00AA00 0
043 00AA00 0
044 00AA00 0
049 00AA00 N
050 00AA00 N
051 00AA00 N
052 00AA00 N
053 A00AA00 Y
053 B00AA00 Y
053 C00AA00 N
054 A00AA00 Y
054 B00AA00 Y
054 C00AA00 Y
<PAGE> PAGE 5
054 D00AA00 N
054 E00AA00 N
054 F00AA00 N
054 G00AA00 Y
054 H00AA00 Y
054 I00AA00 N
054 J00AA00 Y
054 K00AA00 N
054 L00AA00 Y
054 M00AA00 Y
054 N00AA00 N
054 O00AA00 Y
055 A00AA00 N
055 B00AA00 N
056 00AA00 Y
057 00AA00 N
058 A00AA00 N
059 00AA00 Y
060 A00AA00 Y
060 B00AA00 Y
061 00AA00 0
077 A000000 N
080 A00AA00 ICI MUTUAL INSURANCE CO.
080 C00AA00 6350
081 A00AA00 Y
081 B00AA00 6
082 A00AA00 Y
082 B00AA00 50000
083 A00AA00 N
083 B00AA00 0
084 A00AA00 N
084 B00AA00 0
085 A00AA00 Y
085 B00AA00 N
086 A010000 0
086 A020000 0
086 B010000 0
086 B020000 0
086 C010000 0
086 C020000 0
086 D010000 0
086 D020000 0
086 E010000 0
086 E020000 0
086 F010000 0
086 F020000 0
028 A010100 668
028 A020100 0
028 A030100 0
028 A040100 349
028 B010100 855
<PAGE> PAGE 6
028 B020100 1647
028 B030100 0
028 B040100 443
028 C010100 1176
028 C020100 0
028 C030100 0
028 C040100 237
028 D010100 1318
028 D020100 0
028 D030100 0
028 D040100 477
028 E010100 1479
028 E020100 0
028 E030100 0
028 E040100 183
028 F010100 2834
028 F020100 0
028 F030100 0
028 F040100 2294
028 G010100 8330
028 G020100 1647
028 G030100 0
028 G040100 3983
028 H000100 0
045 000100 Y
046 000100 N
047 000100 Y
048 000100 0.000
048 A010100 400000
048 A020100 0.800
048 B010100 400000
048 B020100 0.750
048 C010100 0
048 C020100 0.000
048 D010100 0
048 D020100 0.000
048 E010100 0
048 E020100 0.000
048 F010100 0
048 F020100 0.000
048 G010100 0
048 G020100 0.000
048 H010100 0
048 H020100 0.000
048 I010100 0
048 I020100 0.000
048 J010100 0
048 J020100 0.000
048 K010100 800000
048 K020100 0.700
062 A000100 N
<PAGE> PAGE 7
062 B000100 0.0
062 C000100 0.0
062 D000100 0.0
062 E000100 0.0
062 F000100 0.0
062 G000100 0.0
062 H000100 0.0
062 I000100 0.0
062 J000100 0.0
062 K000100 0.0
062 L000100 0.0
062 M000100 0.0
062 N000100 0.0
062 O000100 0.0
062 P000100 0.0
062 Q000100 0.0
062 R000100 0.0
063 A000100 0
063 B000100 0.0
066 A000100 Y
066 B000100 N
066 C000100 Y
066 D000100 N
066 E000100 N
066 F000100 N
066 G000100 N
067 000100 N
068 A000100 N
068 B000100 N
069 000100 N
070 A010100 Y
070 A020100 N
070 B010100 Y
070 B020100 N
070 C010100 N
070 C020100 N
070 D010100 Y
070 D020100 N
070 E010100 N
070 E020100 N
070 F010100 Y
070 F020100 N
070 G010100 Y
070 G020100 N
070 H010100 Y
070 H020100 N
070 I010100 N
070 I020100 N
070 J010100 Y
070 J020100 N
070 K010100 N
<PAGE> PAGE 8
070 K020100 N
070 L010100 Y
070 L020100 Y
070 M010100 Y
070 M020100 N
070 N010100 Y
070 N020100 N
070 O010100 Y
070 O020100 N
070 P010100 N
070 P020100 N
070 Q010100 N
070 Q020100 N
070 R010100 N
070 R020100 N
071 A000100 7502
071 B000100 4803
071 C000100 27820
071 D000100 17
072 A000100 6
072 B000100 154
072 C000100 220
072 D000100 0
072 E000100 0
072 F000100 131
072 G000100 0
072 H000100 0
072 I000100 4
072 J000100 9
072 K000100 0
072 L000100 1
072 M000100 5
072 N000100 0
072 O000100 0
072 P000100 0
072 Q000100 0
072 R000100 4
072 S000100 0
072 T000100 0
072 U000100 0
072 V000100 0
072 W000100 1
072 X000100 155
072 Y000100 0
072 Z000100 219
072AA000100 1952
072BB000100 0
072CC010100 1621
072CC020100 0
072DD010100 311
072DD020100 0
<PAGE> PAGE 9
072EE000100 1336
073 A010100 0.3851
073 A020100 0.0000
073 B000100 1.6520
073 C000100 0.0000
074 A000100 91
074 B000100 0
074 C000100 5333
074 D000100 0
074 E000100 0
074 F000100 31433
074 G000100 0
074 H000100 0
074 I000100 0
074 J000100 0
074 K000100 0
074 L000100 113
074 M000100 0
074 N000100 36970
074 O000100 0
074 P000100 1
074 Q000100 0
074 R010100 0
074 R020100 0
074 R030100 0
074 R040100 10
074 S000100 0
074 T000100 36959
074 U010100 946
074 U020100 0
074 V010100 39.05
074 V020100 0.00
074 W000100 0.0000
074 X000100 6
074 Y000100 0
075 A000100 0
075 B000100 33084
076 000100 0.00
028 A010200 6550
028 A020200 0
028 A030200 0
028 A040200 688
028 B010200 6657
028 B020200 4740
028 B030200 0
028 B040200 1446
028 C010200 7729
028 C020200 0
028 C030200 0
028 C040200 592
028 D010200 8747
<PAGE> PAGE 10
028 D020200 0
028 D030200 0
028 D040200 1699
028 E010200 7450
028 E020200 0
028 E030200 0
028 E040200 1297
028 F010200 8736
028 F020200 0
028 F030200 0
028 F040200 1622
028 G010200 45869
028 G020200 4740
028 G030200 0
028 G040200 7344
028 H000200 0
045 000200 Y
046 000200 N
047 000200 Y
048 000200 0.000
048 A010200 400000
048 A020200 0.800
048 B010200 400000
048 B020200 0.750
048 C010200 0
048 C020200 0.000
048 D010200 0
048 D020200 0.000
048 E010200 0
048 E020200 0.000
048 F010200 0
048 F020200 0.000
048 G010200 0
048 G020200 0.000
048 H010200 0
048 H020200 0.000
048 I010200 0
048 I020200 0.000
048 J010200 0
048 J020200 0.000
048 K010200 800000
048 K020200 0.700
062 A000200 N
062 B000200 0.0
062 C000200 0.0
062 D000200 0.0
062 E000200 0.0
062 F000200 0.0
062 G000200 0.0
062 H000200 0.0
062 I000200 0.0
<PAGE> PAGE 11
062 J000200 0.0
062 K000200 0.0
062 L000200 0.0
062 M000200 0.0
062 N000200 0.0
062 O000200 0.0
062 P000200 0.0
062 Q000200 0.0
062 R000200 0.0
063 A000200 0
063 B000200 0.0
066 A000200 Y
066 B000200 N
066 C000200 Y
066 D000200 N
066 E000200 N
066 F000200 N
066 G000200 N
067 000200 N
068 A000200 N
068 B000200 N
069 000200 N
070 A010200 Y
070 A020200 N
070 B010200 Y
070 B020200 N
070 C010200 N
070 C020200 N
070 D010200 Y
070 D020200 N
070 E010200 N
070 E020200 N
070 F010200 Y
070 F020200 N
070 G010200 Y
070 G020200 N
070 H010200 Y
070 H020200 N
070 I010200 N
070 I020200 N
070 J010200 Y
070 J020200 N
070 K010200 N
070 K020200 N
070 L010200 Y
070 L020200 Y
070 M010200 Y
070 M020200 N
070 N010200 Y
070 N020200 N
070 O010200 Y
<PAGE> PAGE 12
070 O020200 N
070 P010200 N
070 P020200 N
070 Q010200 N
070 Q020200 N
070 R010200 N
070 R020200 N
071 A000200 51766
071 B000200 22817
071 C000200 111327
071 D000200 29
072 A000200 6
072 B000200 595
072 C000200 385
072 D000200 0
072 E000200 0
072 F000200 527
072 G000200 0
072 H000200 0
072 I000200 3
072 J000200 15
072 K000200 0
072 L000200 4
072 M000200 11
072 N000200 0
072 O000200 0
072 P000200 0
072 Q000200 0
072 R000200 3
072 S000200 1
072 T000200 0
072 U000200 0
072 V000200 0
072 W000200 1
072 X000200 565
072 Y000200 0
072 Z000200 415
072AA000200 4729
072BB000200 0
072CC010200 0
072CC020200 7936
072DD010200 398
072DD020200 0
072EE000200 4342
073 A010200 0.0864
073 A020200 0.0000
073 B000200 0.9436
073 C000200 0.0000
074 A000200 105
074 B000200 0
074 C000200 34058
<PAGE> PAGE 13
074 D000200 0
074 E000200 0
074 F000200 113104
074 G000200 0
074 H000200 0
074 I000200 0
074 J000200 2689
074 K000200 0
074 L000200 341
074 M000200 1
074 N000200 150298
074 O000200 3949
074 P000200 3
074 Q000200 0
074 R010200 0
074 R020200 0
074 R030200 0
074 R040200 48
074 S000200 0
074 T000200 146298
074 U010200 5820
074 U020200 0
074 V010200 25.14
074 V020200 0.00
074 W000200 0.0000
074 X000200 11
074 Y000200 0
075 A000200 0
075 B000200 132785
076 000200 0.00
028 A010300 42199
028 A020300 0
028 A030300 0
028 A040300 3645
028 B010300 30453
028 B020300 20219
028 B030300 0
028 B040300 3130
028 C010300 37716
028 C020300 0
028 C030300 0
028 C040300 3706
028 D010300 37262
028 D020300 0
028 D030300 0
028 D040300 4600
028 E010300 32736
028 E020300 0
028 E030300 0
028 E040300 2817
028 F010300 31816
<PAGE> PAGE 14
028 F020300 0
028 F030300 0
028 F040300 4512
028 G010300 212182
028 G020300 20219
028 G030300 0
028 G040300 22410
028 H000300 0
045 000300 Y
046 000300 N
047 000300 Y
048 000300 0.000
048 A010300 400000
048 A020300 0.800
048 B010300 400000
048 B020300 0.750
048 C010300 0
048 C020300 0.000
048 D010300 0
048 D020300 0.000
048 E010300 0
048 E020300 0.000
048 F010300 0
048 F020300 0.000
048 G010300 0
048 G020300 0.000
048 H010300 0
048 H020300 0.000
048 I010300 0
048 I020300 0.000
048 J010300 0
048 J020300 0.000
048 K010300 800000
048 K020300 0.700
062 A000300 N
062 B000300 0.0
062 C000300 0.0
062 D000300 0.0
062 E000300 0.0
062 F000300 0.0
062 G000300 0.0
062 H000300 0.0
062 I000300 0.0
062 J000300 0.0
062 K000300 0.0
062 L000300 0.0
062 M000300 0.0
062 N000300 0.0
062 O000300 0.0
062 P000300 0.0
062 Q000300 0.0
<PAGE> PAGE 15
062 R000300 0.0
063 A000300 0
063 B000300 0.0
066 A000300 Y
066 B000300 N
066 C000300 N
066 D000300 N
066 E000300 Y
066 F000300 N
066 G000300 N
067 000300 Y
068 A000300 N
068 B000300 N
069 000300 N
070 A010300 Y
070 A020300 N
070 B010300 N
070 B020300 N
070 C010300 N
070 C020300 N
070 D010300 N
070 D020300 N
070 E010300 N
070 E020300 N
070 F010300 N
070 F020300 N
070 G010300 N
070 G020300 N
070 H010300 N
070 H020300 N
070 I010300 N
070 I020300 N
070 J010300 Y
070 J020300 N
070 K010300 N
070 K020300 N
070 L010300 Y
070 L020300 Y
070 M010300 Y
070 M020300 N
070 N010300 Y
070 N020300 N
070 O010300 Y
070 O020300 N
070 P010300 N
070 P020300 N
070 Q010300 N
070 Q020300 N
070 R010300 N
070 R020300 N
071 A000300 223360
<PAGE> PAGE 16
071 B000300 70993
071 C000300 462613
071 D000300 15
072 A000300 6
072 B000300 3951
072 C000300 4821
072 D000300 0
072 E000300 0
072 F000300 2335
072 G000300 0
072 H000300 0
072 I000300 6
072 J000300 31
072 K000300 0
072 L000300 14
072 M000300 13
072 N000300 0
072 O000300 0
072 P000300 0
072 Q000300 0
072 R000300 9
072 S000300 2
072 T000300 0
072 U000300 0
072 V000300 0
072 W000300 2
072 X000300 2412
072 Y000300 0
072 Z000300 6360
072AA000300 17292
072BB000300 0
072CC010300 34961
072CC020300 0
072DD010300 4116
072DD020300 0
072EE000300 16103
073 A010300 0.3289
073 A020300 0.0000
073 B000300 1.2868
073 C000300 0.0000
074 A000300 15
074 B000300 0
074 C000300 174259
074 D000300 1067
074 E000300 0
074 F000300 537480
074 G000300 0
074 H000300 0
074 I000300 0
074 J000300 761
074 K000300 0
<PAGE> PAGE 17
074 L000300 1681
074 M000300 5
074 N000300 715268
074 O000300 0
074 P000300 15
074 Q000300 0
074 R010300 0
074 R020300 0
074 R030300 0
074 R040300 76
074 S000300 0
074 T000300 715177
074 U010300 15764
074 U020300 0
074 V010300 45.37
074 V020300 0.00
074 W000300 0.0000
074 X000300 10
074 Y000300 0
075 A000300 0
075 B000300 601070
076 000300 0.00
028 A010500 31
028 A020500 3
028 A030500 0
028 A040500 41
028 B010500 808
028 B020500 9
028 B030500 0
028 B040500 59
028 C010500 17
028 C020500 11
028 C030500 0
028 C040500 130
028 D010500 133
028 D020500 10
028 D030500 0
028 D040500 41
028 E010500 48
028 E020500 13
028 E030500 0
028 E040500 157
028 F010500 0
028 F020500 10
028 F030500 0
028 F040500 788
028 G010500 1037
028 G020500 56
028 G030500 0
028 G040500 1216
028 H000500 0
<PAGE> PAGE 18
045 000500 Y
046 000500 N
047 000500 Y
048 000500 0.400
048 A010500 0
048 A020500 0.000
048 B010500 0
048 B020500 0.000
048 C010500 0
048 C020500 0.000
048 D010500 0
048 D020500 0.000
048 E010500 0
048 E020500 0.000
048 F010500 0
048 F020500 0.000
048 G010500 0
048 G020500 0.000
048 H010500 0
048 H020500 0.000
048 I010500 0
048 I020500 0.000
048 J010500 0
048 J020500 0.000
048 K010500 0
048 K020500 0.000
062 A000500 Y
062 B000500 0.0
062 C000500 23.3
062 D000500 0.0
062 E000500 0.0
062 F000500 0.0
062 G000500 0.0
062 H000500 0.0
062 I000500 76.9
062 J000500 0.0
062 K000500 0.0
062 L000500 0.0
062 M000500 0.0
062 N000500 0.0
062 O000500 0.0
062 P000500 0.0
062 Q000500 0.0
062 R000500 0.0
063 A000500 15
063 B000500 0.0
064 A000500 N
064 B000500 N
066 A000500 N
067 000500 N
068 A000500 N
<PAGE> PAGE 19
068 B000500 N
069 000500 N
070 A010500 Y
070 A020500 N
070 B010500 N
070 B020500 N
070 C010500 N
070 C020500 N
070 D010500 N
070 D020500 N
070 E010500 N
070 E020500 N
070 F010500 N
070 F020500 N
070 G010500 N
070 G020500 N
070 H010500 N
070 H020500 N
070 I010500 N
070 I020500 N
070 J010500 N
070 J020500 N
070 K010500 N
070 K020500 N
070 L010500 Y
070 L020500 Y
070 M010500 N
070 M020500 N
070 N010500 Y
070 N020500 N
070 O010500 Y
070 O020500 N
070 P010500 N
070 P020500 N
070 Q010500 N
070 Q020500 N
070 R010500 N
070 R020500 N
071 A000500 0
071 B000500 0
071 C000500 0
071 D000500 0
072 A000500 6
072 B000500 72
072 C000500 0
072 D000500 0
072 E000500 0
072 F000500 5
072 G000500 0
072 H000500 0
072 I000500 4
<PAGE> PAGE 20
072 J000500 6
072 K000500 0
072 L000500 0
072 M000500 6
072 N000500 0
072 O000500 0
072 P000500 0
072 Q000500 0
072 R000500 2
072 S000500 0
072 T000500 0
072 U000500 0
072 V000500 0
072 W000500 1
072 X000500 24
072 Y000500 11
072 Z000500 59
072AA000500 0
072BB000500 0
072CC010500 0
072CC020500 0
072DD010500 59
072DD020500 0
072EE000500 0
073 A010500 0.0226
073 A020500 0.0000
073 B000500 0.0000
073 C000500 0.0000
074 A000500 2
074 B000500 0
074 C000500 2048
074 D000500 0
074 E000500 0
074 F000500 0
074 G000500 0
074 H000500 0
074 I000500 0
074 J000500 0
074 K000500 0
074 L000500 2
074 M000500 0
074 N000500 2052
074 O000500 0
074 P000500 0
074 Q000500 0
074 R010500 0
074 R020500 0
074 R030500 0
074 R040500 9
074 S000500 0
074 T000500 2043
<PAGE> PAGE 21
074 U010500 2043
074 U020500 0
074 V010500 1.00
074 V020500 0.00
074 W000500 0.9999
074 X000500 1
074 Y000500 0
075 A000500 2612
075 B000500 0
076 000500 0.00
028 A010600 111
028 A020600 16
028 A030600 0
028 A040600 51
028 B010600 158
028 B020600 37
028 B030600 0
028 B040600 107
028 C010600 352
028 C020600 28
028 C030600 0
028 C040600 70
028 D010600 399
028 D020600 28
028 D030600 0
028 D040600 673
028 E010600 411
028 E020600 36
028 E030600 0
028 E040600 76
028 F010600 444
028 F020600 30
028 F030600 0
028 F040600 70
028 G010600 1875
028 G020600 175
028 G030600 0
028 G040600 1047
028 H000600 0
045 000600 Y
046 000600 N
047 000600 Y
048 000600 0.600
048 A010600 0
048 A020600 0.000
048 B010600 0
048 B020600 0.000
048 C010600 0
048 C020600 0.000
048 D010600 0
048 D020600 0.000
<PAGE> PAGE 22
048 E010600 0
048 E020600 0.000
048 F010600 0
048 F020600 0.000
048 G010600 0
048 G020600 0.000
048 H010600 0
048 H020600 0.000
048 I010600 0
048 I020600 0.000
048 J010600 0
048 J020600 0.000
048 K010600 0
048 K020600 0.000
062 A000600 Y
062 B000600 0.0
062 C000600 0.0
062 D000600 0.0
062 E000600 0.0
062 F000600 0.0
062 G000600 0.0
062 H000600 0.0
062 I000600 0.0
062 J000600 0.0
062 K000600 0.0
062 L000600 0.0
062 M000600 39.9
062 N000600 54.4
062 O000600 0.0
062 P000600 4.3
062 Q000600 0.0
062 R000600 0.0
063 A000600 0
063 B000600 13.4
064 A000600 N
064 B000600 N
066 A000600 N
067 000600 N
068 A000600 N
068 B000600 N
069 000600 N
070 A010600 Y
070 A020600 N
070 B010600 N
070 B020600 N
070 C010600 N
070 C020600 N
070 D010600 N
070 D020600 N
070 E010600 N
070 E020600 N
<PAGE> PAGE 23
070 F010600 N
070 F020600 N
070 G010600 N
070 G020600 N
070 H010600 N
070 H020600 N
070 I010600 N
070 I020600 N
070 J010600 N
070 J020600 N
070 K010600 N
070 K020600 N
070 L010600 N
070 L020600 N
070 M010600 N
070 M020600 N
070 N010600 Y
070 N020600 N
070 O010600 Y
070 O020600 N
070 P010600 N
070 P020600 N
070 Q010600 N
070 Q020600 N
070 R010600 N
070 R020600 N
071 A000600 4849
071 B000600 3759
071 C000600 7243
071 D000600 52
072 A000600 6
072 B000600 225
072 C000600 0
072 D000600 0
072 E000600 0
072 F000600 22
072 G000600 0
072 H000600 0
072 I000600 4
072 J000600 9
072 K000600 0
072 L000600 0
072 M000600 6
072 N000600 0
072 O000600 0
072 P000600 0
072 Q000600 0
072 R000600 4
072 S000600 0
072 T000600 0
072 U000600 0
<PAGE> PAGE 24
072 V000600 0
072 W000600 0
072 X000600 45
072 Y000600 9
072 Z000600 189
072AA000600 91
072BB000600 0
072CC010600 0
072CC020600 11
072DD010600 189
072DD020600 0
072EE000600 0
073 A010600 0.2741
073 A020600 0.0000
073 B000600 0.0000
073 C000600 0.0000
074 A000600 11
074 B000600 0
074 C000600 0
074 D000600 7954
074 E000600 0
074 F000600 0
074 G000600 0
074 H000600 0
074 I000600 0
074 J000600 0
074 K000600 0
074 L000600 124
074 M000600 1
074 N000600 8090
074 O000600 0
074 P000600 4
074 Q000600 0
074 R010600 0
074 R020600 0
074 R030600 0
074 R040600 19
074 S000600 0
074 T000600 8067
074 U010600 759
074 U020600 0
074 V010600 10.62
074 V020600 0.00
074 W000600 0.0000
074 X000600 3
074 Y000600 0
075 A000600 0
075 B000600 7291
076 000600 0.00
028 A010700 761
028 A020700 0
<PAGE> PAGE 25
028 A030700 0
028 A040700 501
028 B010700 494
028 B020700 0
028 B030700 0
028 B040700 459
028 C010700 661
028 C020700 0
028 C030700 0
028 C040700 247
028 D010700 568
028 D020700 0
028 D030700 0
028 D040700 194
028 E010700 2561
028 E020700 0
028 E030700 0
028 E040700 1176
028 F010700 866
028 F020700 0
028 F030700 0
028 F040700 198
028 G010700 5911
028 G020700 0
028 G030700 0
028 G040700 2775
028 H000700 0
045 000700 Y
046 000700 N
047 000700 Y
048 000700 0.000
048 A010700 400000
048 A020700 0.800
048 B010700 400000
048 B020700 0.750
048 C010700 0
048 C020700 0.000
048 D010700 0
048 D020700 0.000
048 E010700 0
048 E020700 0.000
048 F010700 0
048 F020700 0.000
048 G010700 0
048 G020700 0.000
048 H010700 0
048 H020700 0.000
048 I010700 0
048 I020700 0.000
048 J010700 0
048 J020700 0.000
<PAGE> PAGE 26
048 K010700 800000
048 K020700 0.700
062 A000700 N
062 B000700 0.0
062 C000700 0.0
062 D000700 0.0
062 E000700 0.0
062 F000700 0.0
062 G000700 0.0
062 H000700 0.0
062 I000700 0.0
062 J000700 0.0
062 K000700 0.0
062 L000700 0.0
062 M000700 0.0
062 N000700 0.0
062 O000700 0.0
062 P000700 0.0
062 Q000700 0.0
062 R000700 0.0
063 A000700 0
063 B000700 0.0
066 A000700 Y
066 B000700 N
066 C000700 Y
066 D000700 N
066 E000700 N
066 F000700 N
066 G000700 N
067 000700 N
068 A000700 N
068 B000700 Y
069 000700 N
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 N
070 E020700 N
070 F010700 Y
070 F020700 N
070 G010700 Y
070 G020700 N
070 H010700 Y
070 H020700 N
070 I010700 N
070 I020700 N
<PAGE> PAGE 27
070 J010700 Y
070 J020700 Y
070 K010700 N
070 K020700 N
070 L010700 Y
070 L020700 Y
070 M010700 Y
070 M020700 Y
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 10699
071 B000700 8933
071 C000700 28009
071 D000700 32
072 A000700 6
072 B000700 63
072 C000700 277
072 D000700 0
072 E000700 0
072 F000700 118
072 G000700 0
072 H000700 0
072 I000700 5
072 J000700 33
072 K000700 0
072 L000700 1
072 M000700 5
072 N000700 0
072 O000700 0
072 P000700 0
072 Q000700 0
072 R000700 4
072 S000700 0
072 T000700 0
072 U000700 0
072 V000700 0
072 W000700 1
072 X000700 167
072 Y000700 0
072 Z000700 173
072AA000700 1985
072BB000700 0
072CC010700 2039
<PAGE> PAGE 28
072CC020700 0
072DD010700 0
072DD020700 0
072EE000700 0
073 A010700 0.0000
073 A020700 0.0000
073 B000700 0.0000
073 C000700 0.0000
074 A000700 50
074 B000700 0
074 C000700 2839
074 D000700 516
074 E000700 596
074 F000700 29053
074 G000700 0
074 H000700 0
074 I000700 0
074 J000700 326
074 K000700 0
074 L000700 52
074 M000700 1
074 N000700 33433
074 O000700 205
074 P000700 1
074 Q000700 0
074 R010700 0
074 R020700 0
074 R030700 0
074 R040700 20
074 S000700 0
074 T000700 33207
074 U010700 1998
074 U020700 0
074 V010700 16.62
074 V020700 0.00
074 W000700 0.0000
074 X000700 2
074 Y000700 0
075 A000700 0
075 B000700 29751
076 000700 0.00
028 A010800 0
028 A020800 0
028 A030800 0
028 A040800 0
028 B010800 1002
028 B020800 0
028 B030800 0
028 B040800 0
028 C010800 0
028 C020800 0
<PAGE> PAGE 29
028 C030800 0
028 C040800 0
028 D010800 3
028 D020800 0
028 D030800 0
028 D040800 0
028 E010800 30
028 E020800 0
028 E030800 0
028 E040800 0
028 F010800 210
028 F020800 0
028 F030800 0
028 F040800 0
028 G010800 1245
028 G020800 0
028 G030800 0
028 G040800 0
028 H000800 0
045 000800 Y
046 000800 N
047 000800 Y
048 000800 0.000
048 A010800 400000
048 A020800 0.800
048 B010800 400000
048 B020800 0.750
048 C010800 0
048 C020800 0.000
048 D010800 0
048 D020800 0.000
048 E010800 0
048 E020800 0.000
048 F010800 0
048 F020800 0.000
048 G010800 0
048 G020800 0.000
048 H010800 0
048 H020800 0.000
048 I010800 0
048 I020800 0.000
048 J010800 0
048 J020800 0.000
048 K010800 800000
048 K020800 0.700
062 A000800 N
062 B000800 0.0
062 C000800 0.0
062 D000800 0.0
062 E000800 0.0
062 F000800 0.0
<PAGE> PAGE 30
062 G000800 0.0
062 H000800 0.0
062 I000800 0.0
062 J000800 0.0
062 K000800 0.0
062 L000800 0.0
062 M000800 0.0
062 N000800 0.0
062 O000800 0.0
062 P000800 0.0
062 Q000800 0.0
062 R000800 0.0
063 A000800 0
063 B000800 0.0
066 A000800 Y
066 B000800 N
066 C000800 Y
066 D000800 N
066 E000800 N
066 F000800 N
066 G000800 N
067 000800 N
068 A000800 N
068 B000800 N
069 000800 N
070 A010800 Y
070 A020800 N
070 B010800 Y
070 B020800 N
070 C010800 Y
070 C020800 N
070 D010800 Y
070 D020800 N
070 E010800 N
070 E020800 N
070 F010800 Y
070 F020800 N
070 G010800 Y
070 G020800 N
070 H010800 Y
070 H020800 N
070 I010800 N
070 I020800 N
070 J010800 Y
070 J020800 N
070 K010800 N
070 K020800 N
070 L010800 Y
070 L020800 Y
070 M010800 Y
070 M020800 N
<PAGE> PAGE 31
070 N010800 Y
070 N020800 N
070 O010800 Y
070 O020800 N
070 P010800 N
070 P020800 N
070 Q010800 N
070 Q020800 N
070 R010800 N
070 R020800 N
071 A000800 1286
071 B000800 204
071 C000800 1012
071 D000800 20
072 A000800 6
072 B000800 3
072 C000800 4
072 D000800 0
072 E000800 0
072 F000800 3
072 G000800 0
072 H000800 0
072 I000800 4
072 J000800 5
072 K000800 0
072 L000800 5
072 M000800 0
072 N000800 0
072 O000800 0
072 P000800 0
072 Q000800 0
072 R000800 4
072 S000800 0
072 T000800 0
072 U000800 0
072 V000800 0
072 W000800 1
072 X000800 22
072 Y000800 18
072 Z000800 3
072AA000800 13
072BB000800 0
072CC010800 39
072CC020800 0
072DD010800 0
072DD020800 0
072EE000800 0
073 A010800 0.0000
073 A020800 0.0000
073 B000800 0.0000
073 C000800 0.0000
<PAGE> PAGE 32
074 A000800 1
074 B000800 0
074 C000800 162
074 D000800 0
074 E000800 0
074 F000800 1135
074 G000800 0
074 H000800 0
074 I000800 0
074 J000800 13
074 K000800 0
074 L000800 13
074 M000800 6
074 N000800 1330
074 O000800 23
074 P000800 0
074 Q000800 0
074 R010800 0
074 R020800 0
074 R030800 0
074 R040800 6
074 S000800 0
074 T000800 1301
074 U010800 124
074 U020800 0
074 V010800 10.52
074 V020800 0.00
074 W000800 0.0000
074 X000800 2
074 Y000800 0
075 A000800 0
075 B000800 1083
076 000800 0.00
SIGNATURE RICHARD PETEKA
TITLE TREASURER
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
OCC ACCUMULATION TRUST- EQUITY PORTFOLIO SEMI-ANNUAL REPORT FOR THE SIX MONTHS
ENDED JUNE 30, 1998.
</LEGEND>
<CIK> 0000923185
<NAME> OCC ACCUM TRUST
<SERIES>
<NUMBER> 1
<NAME> EQUITY PORTFOLIO
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1998
<PERIOD-START> JAN-01-1998
<PERIOD-END> JUN-30-1998
<INVESTMENTS-AT-COST> 27,227,461
<INVESTMENTS-AT-VALUE> 36,765,889
<RECEIVABLES> 111,480
<ASSETS-OTHER> 92,579
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 36,969,948
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 11,352
<TOTAL-LIABILITIES> 11,352
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 25,248,597
<SHARES-COMMON-STOCK> 946,493
<SHARES-COMMON-PRIOR> 789,233
<ACCUMULATED-NII-CURRENT> 219,332
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 1,952,239
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 9,538,428
<NET-ASSETS> 36,958,596
<DIVIDEND-INCOME> 220,097
<INTEREST-INCOME> 154,167
<OTHER-INCOME> 0
<EXPENSES-NET> (154,932)<F1>
<NET-INVESTMENT-INCOME> 219,332
<REALIZED-GAINS-CURRENT> 1,952,239
<APPREC-INCREASE-CURRENT> 1,620,694
<NET-CHANGE-FROM-OPS> 3,792,265
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (311,417)
<DISTRIBUTIONS-OF-GAINS> (1,335,832)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 8,329,203
<NUMBER-OF-SHARES-REDEEMED> (3,982,850)
<SHARES-REINVESTED> 1,647,249
<NET-CHANGE-IN-ASSETS> 8,138,618
<ACCUMULATED-NII-PRIOR> 311,417
<ACCUMULATED-GAINS-PRIOR> 1,335,832
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 131,249
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 155,481
<AVERAGE-NET-ASSETS> 33,084,101
<PER-SHARE-NAV-BEGIN> 36.52
<PER-SHARE-NII> .22
<PER-SHARE-GAIN-APPREC> 4.35
<PER-SHARE-DIVIDEND> (.39)
<PER-SHARE-DISTRIBUTIONS> (1.65)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 39.05
<EXPENSE-RATIO> .95
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
<FN>
<F1>GROSS OF EXPENSES OFFSET - $549.
</FN>
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
OCC ACCUMULATION TRUST - SMALL CAP PORTFOLIO SEMI-ANNUAL REPORT FOR THE SIX
MONTHS ENDED JUNE 30, 1998.
</LEGEND>
<CIK> 0000923185
<NAME> OCC ACCUMULATION TRUST
<SERIES>
<NUMBER> 2
<NAME> SMALL CAP PORTFOLIO
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1998
<PERIOD-START> JAN-01-1998
<PERIOD-END> JUN-30-1998
<INVESTMENTS-AT-COST> 145,466,741
<INVESTMENTS-AT-VALUE> 147,161,922
<RECEIVABLES> 3,029,429
<ASSETS-OTHER> 106,822
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 150,298,173
<PAYABLE-FOR-SECURITIES> 3,949,459
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 50,878
<TOTAL-LIABILITIES> 4,000,337
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 139,467,844
<SHARES-COMMON-STOCK> 5,819,717
<SHARES-COMMON-PRIOR> 4,192,273
<ACCUMULATED-NII-CURRENT> 414,859
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 4,719,952
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 1,695,181
<NET-ASSETS> 146,297,836
<DIVIDEND-INCOME> 384,596
<INTEREST-INCOME> 594,637
<OTHER-INCOME> 0
<EXPENSES-NET> (564,369)<F1>
<NET-INVESTMENT-INCOME> 414,864
<REALIZED-GAINS-CURRENT> 4,728,945
<APPREC-INCREASE-CURRENT> (7,935,715)
<NET-CHANGE-FROM-OPS> (2,791,906)
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (397,660)
<DISTRIBUTIONS-OF-GAINS> (4,342,118)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 45,869,547
<NUMBER-OF-SHARES-REDEEMED> (7,344,311)
<SHARES-REINVESTED> 4,739,778
<NET-CHANGE-IN-ASSETS> 35,733,330
<ACCUMULATED-NII-PRIOR> 397,655
<ACCUMULATED-GAINS-PRIOR> 4,333,125
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 526,776
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 564,736
<AVERAGE-NET-ASSETS> 132,785,253
<PER-SHARE-NAV-BEGIN> 26.37
<PER-SHARE-NII> .06
<PER-SHARE-GAIN-APPREC> (.26)
<PER-SHARE-DIVIDEND> (.09)
<PER-SHARE-DISTRIBUTIONS> (.94)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 25.14
<EXPENSE-RATIO> .86
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
<FN>
<F1>GROSS OF EXPENSES OFFSET - $367.
</FN>
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
OCC ACCUMULATION TRUST-MANAGED PORTFOLIO SEMI-ANNUAL REPORT FOR THE SIX MONTHS
ENDED JUNE 30, 1998.
</LEGEND>
<CIK> 0000923185
<NAME> OCC ACCUMULATION TRUST
<SERIES>
<NUMBER> 3
<NAME> MANAGED PORTFOLIO
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1998
<PERIOD-START> JAN-01-1998
<PERIOD-END> JUN-30-1998
<INVESTMENTS-AT-COST> 605,673,461
<INVESTMENTS-AT-VALUE> 712,806,029
<RECEIVABLES> 2,442,162
<ASSETS-OTHER> 19,500
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 715,267,691
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 91,039
<TOTAL-LIABILITIES> 91,039
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 584,392,299
<SHARES-COMMON-STOCK> 15,764,015
<SHARES-COMMON-PRIOR> 11,014,702
<ACCUMULATED-NII-CURRENT> 6,360,045
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 17,291,740
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 107,132,568
<NET-ASSETS> 715,176,652
<DIVIDEND-INCOME> 4,820,931
<INTEREST-INCOME> 3,950,953
<OTHER-INCOME> 0
<EXPENSES-NET> (2,411,831)<F1>
<NET-INVESTMENT-INCOME> 6,360,053
<REALIZED-GAINS-CURRENT> 17,291,750
<APPREC-INCREASE-CURRENT> 34,961,646
<NET-CHANGE-FROM-OPS> 58,613,449
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (4,115,649)
<DISTRIBUTIONS-OF-GAINS> (16,103,608)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 212,181,548
<NUMBER-OF-SHARES-REDEEMED> (22,409,569)
<SHARES-REINVESTED> 20,219,257
<NET-CHANGE-IN-ASSETS> 248,385,428
<ACCUMULATED-NII-PRIOR> 4,115,641
<ACCUMULATED-GAINS-PRIOR> 16,103,598
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 2,334,663
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 2,412,749
<AVERAGE-NET-ASSETS> 601,069,595
<PER-SHARE-NAV-BEGIN> 42.38
<PER-SHARE-NII> .36
<PER-SHARE-GAIN-APPREC> 4.25
<PER-SHARE-DIVIDEND> (.33)
<PER-SHARE-DISTRIBUTIONS> (1.29)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 45.37
<EXPENSE-RATIO> .81
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
<FN>
<F1>GROSS OF EXPENSE OFFSET - $918
</FN>
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
OCC ACCUMULATION TRUST-MONEY MARKET PORTFOLIO SEMI-ANNUAL REPORT FOR THE SIX
MONTHS ENDED JUNE 30, 1998.
</LEGEND>
<CIK> 0000923185
<NAME> OCC ACCUMULATION TRUST
<SERIES>
<NUMBER> 5
<NAME> MONEY MARKET PORTFOLIO
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1998
<PERIOD-START> JAN-01-1998
<PERIOD-END> JUN-30-1998
<INVESTMENTS-AT-COST> 2,047,674
<INVESTMENTS-AT-VALUE> 2,047,674
<RECEIVABLES> 1,523
<ASSETS-OTHER> 2,941
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 2,052,138
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 9,017
<TOTAL-LIABILITIES> 9,017
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 2,043,322
<SHARES-COMMON-STOCK> 2,043,321
<SHARES-COMMON-PRIOR> 2,166,257
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (201)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 2,043,121
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 72,022
<OTHER-INCOME> 0
<EXPENSES-NET> (12,953)<F1>
<NET-INVESTMENT-INCOME> 59,069
<REALIZED-GAINS-CURRENT> (10)
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 59,059
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (59,069)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 1,037,572
<NUMBER-OF-SHARES-REDEEMED> (1,216,468)
<SHARES-REINVESTED> 55,960
<NET-CHANGE-IN-ASSETS> (122,946)
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (191)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 5,181
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 23,508
<AVERAGE-NET-ASSETS> 2,612,140
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> .02
<PER-SHARE-GAIN-APPREC> 0
<PER-SHARE-DIVIDEND> (.02)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> 1.01
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
<FN>
<F1>GROSS OF EXPENSE OFFSET - $132 AND INVESTMENT ADVISORY FEE WAIVED AND EXPENSES
ASSUMED - $10,423.
</FN>
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
OCC ACCUMULATION TRUST-U.S. GOVERNMENT INCOME PORTFOLIO SEMI-ANNUAL REPORT FOR
THE SIX MONTHS ENDED JUNE 30, 1998.
</LEGEND>
<CIK> 0000923185
<NAME> OCC ACCUMULATION TRUST
<SERIES>
<NUMBER> 6
<NAME> U.S. GOVERNMENT INCOME PORTFOLIO
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1998
<PERIOD-START> JAN-01-1998
<PERIOD-END> JUN-30-1998
<INVESTMENTS-AT-COST> 7,825,758
<INVESTMENTS-AT-VALUE> 7,954,260
<RECEIVABLES> 124,471
<ASSETS-OTHER> 11,267
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 8,089,998
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 23,403
<TOTAL-LIABILITIES> 23,403
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 7,849,278
<SHARES-COMMON-STOCK> 759,474
<SHARES-COMMON-PRIOR> 664,374
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 88,815
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 128,502
<NET-ASSETS> 8,066,595
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 225,482
<OTHER-INCOME> 0
<EXPENSES-NET> (36,154)<F1>
<NET-INVESTMENT-INCOME> 189,328
<REALIZED-GAINS-CURRENT> 91,325
<APPREC-INCREASE-CURRENT> (11,225)
<NET-CHANGE-FROM-OPS> 269,428
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (189,328)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 1,875,493
<NUMBER-OF-SHARES-REDEEMED> (1,047,280)
<SHARES-REINVESTED> 175,007
<NET-CHANGE-IN-ASSETS> 1,083,320
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (2,510)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 21,693
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 45,101
<AVERAGE-NET-ASSETS> 7,290,849
<PER-SHARE-NAV-BEGIN> 10.51
<PER-SHARE-NII> .27
<PER-SHARE-GAIN-APPREC> .11
<PER-SHARE-DIVIDEND> (.27)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.62
<EXPENSE-RATIO> 1.00
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
<FN>
<F1>GROSS OF EXPENSE OFFSET - $105 AND INVESTMENT ADVISORY FEE WAIVED - $8,842.
</FN>
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
OCC ACCUMULATION TRUST - GLOBAL EQUITY PORTFOLIO SEMI-ANNUAL REPORT FOR THE SIX
MONTHS ENDED JUNE 30, 1998
</LEGEND>
<CIK> 0000923185
<NAME> OCC ACCUMULATION TRUST
<SERIES>
<NUMBER> 7
<NAME> GLOBAL EQUITY PORTFOLIO
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1998
<PERIOD-START> JAN-01-1998
<PERIOD-END> JUN-30-1998
<INVESTMENTS-AT-COST> 28,141,724
<INVESTMENTS-AT-VALUE> 33,003,894
<RECEIVABLES> 378,587
<ASSETS-OTHER> 50,716
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 33,433,197
<PAYABLE-FOR-SECURITIES> 205,086
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 20,858
<TOTAL-LIABILITIES> 225,944
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 26,236,059
<SHARES-COMMON-STOCK> 1,997,570
<SHARES-COMMON-PRIOR> 1,806,526
<ACCUMULATED-NII-CURRENT> 123,860
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 1,985,420
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 4,861,914
<NET-ASSETS> 33,207,253
<DIVIDEND-INCOME> 276,616
<INTEREST-INCOME> 62,977
<OTHER-INCOME> 0
<EXPENSES-NET> (166,538)<F1>
<NET-INVESTMENT-INCOME> 173,055
<REALIZED-GAINS-CURRENT> 1,985,420
<APPREC-INCREASE-CURRENT> 2,039,060
<NET-CHANGE-FROM-OPS> 4,197,535
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 5,911,371
<NUMBER-OF-SHARES-REDEEMED> (2,775,281)
<SHARES-REINVESTED> 0
<NET-CHANGE-IN-ASSETS> 7,333,625
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 2,822,854
<OVERDISTRIB-NII-PRIOR> (49,195)
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 118,025
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 166,999
<AVERAGE-NET-ASSETS> 29,750,652
<PER-SHARE-NAV-BEGIN> 14.32
<PER-SHARE-NII> .09
<PER-SHARE-GAIN-APPREC> 2.21
<PER-SHARE-DIVIDEND> 0
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 16.62
<EXPENSE-RATIO> 1.13
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
<FN>
<F1>GROSS OF EXPENSES OFFSET - $461.
</FN>
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
OCC ACCUMULATION TRUST - MID CAP PORTFOLIO SEMI-ANNUAL REPORT FOR THE PERIOD
FEBRUARY 9, 1998 TO JUNE 30, 1998.
</LEGEND>
<CIK> 0000923185
<NAME> OCC ACCUMULATION TRUST
<SERIES>
<NUMBER> 8
<NAME> MID CAP PORTFOLIO
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1998
<PERIOD-START> FEB-09-1998
<PERIOD-END> JUN-30-1998
<INVESTMENTS-AT-COST> 1,257,736
<INVESTMENTS-AT-VALUE> 1,296,968
<RECEIVABLES> 25,401
<ASSETS-OTHER> 7,153
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 1,329,522
<PAYABLE-FOR-SECURITIES> 23,130
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 5,859
<TOTAL-LIABILITIES> 28,989
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 1,244,846
<SHARES-COMMON-STOCK> 123,637
<SHARES-COMMON-PRIOR> 0<F1>
<ACCUMULATED-NII-CURRENT> 3,270
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 13,185
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 39,232
<NET-ASSETS> 1,300,533
<DIVIDEND-INCOME> 4,467
<INTEREST-INCOME> 3,017
<OTHER-INCOME> 0
<EXPENSES-NET> (4,214)<F2>
<NET-INVESTMENT-INCOME> 3,270
<REALIZED-GAINS-CURRENT> 13,185
<APPREC-INCREASE-CURRENT> 39,232
<NET-CHANGE-FROM-OPS> 55,687
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 1,244,913
<NUMBER-OF-SHARES-REDEEMED> (67)
<SHARES-REINVESTED> 0
<NET-CHANGE-IN-ASSETS> 1,300,533
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 3,371
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 21,761
<AVERAGE-NET-ASSETS> 1,083,060
<PER-SHARE-NAV-BEGIN> 10.00
<PER-SHARE-NII> .03
<PER-SHARE-GAIN-APPREC> .49
<PER-SHARE-DIVIDEND> 0
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 10.52
<EXPENSE-RATIO> 1.05
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
<FN>
<F1>PORTFOLIO COMMENCED OPERATIONS ON FEBRUARY 9, 1998.
<F2>GROSS OF EXPENSE OFFSET - $228 AND INVESTMENT ADVISORY FEE WAIVED AND EXPENSES
ASSUMED - $17,319.
</FN>
</TABLE>
