<PAGE> PAGE 1
000 A000000 04/30/96
000 C000000 0000926243
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 THE COMMERCE FUNDS
001 B000000 811-8598
001 C000000 8006212550
002 A000000 4900 SEARS TOWER
002 B000000 CHICAGO
002 C000000 IL
002 D010000 60606
003 000000 N
004 000000 N
005 000000 N
006 000000 N
007 A000000 Y
007 B000000 8
007 C010100 1
007 C020100 THE SHORT-TERM GOVERNMENT FUND
007 C030100 N
007 C010200 2
007 C020200 THE BOND FUND
007 C030200 N
007 C010300 3
007 C020300 THE BALANCED FUND
007 C030300 N
007 C010400 4
007 C020400 THE GROWTH FUND
007 C030400 N
007 C010500 5
007 C020500 THE AGGRESSIVE GROWTH FUND
007 C030500 N
007 C010600 6
007 C020600 THE INTERNATIONAL EQUITY FUND
007 C030600 N
007 C010700 7
007 C020700 THE NATIONAL TAX-FREE BOND FUND
007 C030700 N
007 C010800 8
007 C020800 THE MISSOURI TAX-FREE BOND FUND
007 C030800 N
007 C010900 9
007 C011000 10
010 A00AA01 GOLDMAN SACHS ASSET MANAGEMENT
010 B00AA01 801-16048
010 C01AA01 NEW YORK
<PAGE> PAGE 2
010 C02AA01 NY
010 C03AA01 10004
011 A00AA01 GOLDMAN, SACHS & CO.
011 B00AA01 8-16048
011 C01AA01 NEW YORK
011 C02AA01 NY
011 C03AA01 10004
012 A00AA01 STATE STREET BANK AND TRUST COMPANY
012 B00AA01 85-0000000
012 C01AA01 BOSTON
012 C02AA01 MA
012 C03AA01 02110
013 A00AA01 KPMG PEAT MARWICK LLP
013 B01AA01 KANSAS CITY
013 B02AA01 MO
013 B03AA01 64106
018 00AA00 Y
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019 C00AA00 COMMERCE--
020 A000001 FACTSET DATA SYSTEMS
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020 A000002 DONALDSON, LUFKIN & JENRETTE
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<PAGE> PAGE 3
022 A000001 STATE STREET BANK & TRUST CO.
022 B000001 04-1867445
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022 A000002 MERRILL LYNCH & CO., INC.
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022 A000003 ALEX BROWN
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022 A000004 SALOMON BROTHERS, INC.
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022 A000005 DONALDSON, LUFKIN & JENRETTE
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022 D000009 1831
022 A000010 CLEARY GULL & REILAND
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<PAGE> PAGE 4
027 000000 Y
034 00AA00 N
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036 B00AA00 0
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039 00AA00 N
040 00AA00 N
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<PAGE> PAGE 5
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008 A000102 COMMERCE BANK, N.A. (KANSAS CITY)
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<PAGE> PAGE 6
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<PAGE> PAGE 7
048 K010100 0
048 K020100 0.000
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050 000100 N
051 000100 N
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055 B000100 N
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058 A000100 N
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062 N000100 57.2
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062 R000100 0.0
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064 A000100 N
064 B000100 N
066 A000100 N
067 000100 N
068 A000100 N
068 B000100 N
069 000100 N
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070 A020100 Y
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<PAGE> PAGE 8
070 D010100 Y
070 D020100 N
070 E010100 Y
070 E020100 N
070 F010100 Y
070 F020100 N
070 G010100 Y
070 G020100 N
070 H010100 Y
070 H020100 N
070 I010100 Y
070 I020100 N
070 J010100 Y
070 J020100 N
070 K010100 N
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
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<PAGE> PAGE 9
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<PAGE> PAGE 10
075 B000100 24181
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008 A000201 COMMERCE BANK, N.A. (ST. LOUIS)
008 B000201 A
008 C000201 801-000000
008 D010201 ST. LOUIS
008 D020201 MO
008 D030201 64106
008 A000202 COMMERCE BANK, N.A. (KANSAS CITY)
008 B000202 A
008 C000202 801-000000
008 D010202 KANSAS CITY
008 D020202 MO
008 D030202 63105
014 A000201 GOLDMAN, SACHS & CO.
014 B000201 8-16048
014 A000202 GOLDMAN SACHS INTERNATIONAL
014 B000202 8-000000
014 A000203 COMMERCE BROKERAGE SERVICE, INC.
014 B000203 8-4125
015 A000201 STATE STREET BANK AND TRUST COMPANY
015 B000201 C
015 C010201 BOSTON
015 C020201 MA
015 C030201 02110
015 E010201 X
024 000200 Y
025 A000201 SMITH BARNEY, INC.
025 B000201 13-1912900
025 C000201 D
025 D000201 1980
025 A000202 MORGAN STANLEY GROUP, INC.
025 B000202 13-2655990
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<PAGE> PAGE 11
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<PAGE> PAGE 12
048 K010200 0
048 K020200 0.000
049 000200 N
050 000200 N
051 000200 N
052 000200 N
053 A000200 N
055 A000200 N
055 B000200 N
056 000200 Y
057 000200 N
058 A000200 N
059 000200 Y
060 A000200 Y
060 B000200 Y
061 000200 2000
062 A000200 Y
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064 B000200 N
066 A000200 N
067 000200 N
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<PAGE> PAGE 13
070 E010200 Y
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<PAGE> PAGE 14
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<PAGE> PAGE 15
008 A000301 COMMERCE BANK, N.A. (ST. LOUIS)
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008 A000302 COMMERCE BANK, N.A. (KANSAS CITY)
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014 A000301 GOLDMAN, SACHS & CO.
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<PAGE> PAGE 16
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<PAGE> PAGE 17
049 000300 N
050 000300 N
051 000300 N
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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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008 A000401 COMMERCE BANK, N.A. (ST. LOUIS)
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008 D020401 MO
008 D030401 64106
008 A000402 COMMERCE BANK, N.A. (KANSAS CITY)
008 B000402 A
008 C000402 801-000000
008 D010402 KANSAS CITY
008 D020402 MO
008 D030402 63105
014 A000401 GOLDMAN, SACHS & CO.
014 B000401 8-16048
014 A000402 GOLDMAN SACHS INTERNATIONAL
014 B000402 8-00000
014 A000403 COMMERCE BROKERAGE SERVICE, INC.
014 B000403 8-4125
015 A000401 STATE STREET BANK AND TRUST COMPANY
015 B000401 C
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015 C020401 MA
015 C030401 02110
015 E010401 X
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<PAGE> PAGE 21
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048 H020400 0.000
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048 I020400 0.000
048 J010400 0
048 J020400 0.000
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048 K020400 0.000
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050 000400 N
<PAGE> PAGE 22
051 000400 N
052 000400 N
053 A000400 N
055 A000400 N
055 B000400 N
056 000400 Y
057 000400 N
058 A000400 N
059 000400 Y
060 A000400 Y
060 B000400 Y
061 000400 2000
062 A000400 N
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062 H000400 0.0
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062 J000400 0.0
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062 L000400 0.0
062 M000400 0.0
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062 O000400 0.0
062 P000400 0.0
062 Q000400 0.0
062 R000400 0.0
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066 B000400 N
066 C000400 N
066 D000400 Y
066 E000400 N
066 F000400 N
066 G000400 N
067 000400 N
068 A000400 N
068 B000400 N
069 000400 N
070 A010400 Y
070 A020400 Y
070 B010400 N
070 B020400 N
070 C010400 N
070 C020400 N
070 D010400 N
070 D020400 N
<PAGE> PAGE 23
070 E010400 N
070 E020400 N
070 F010400 N
070 F020400 N
070 G010400 N
070 G020400 N
070 H010400 N
070 H020400 N
070 I010400 N
070 I020400 N
070 J010400 N
070 J020400 N
070 K010400 Y
070 K020400 Y
070 L010400 Y
070 L020400 Y
070 M010400 N
070 M020400 N
070 N010400 Y
070 N020400 N
070 O010400 Y
070 O020400 N
070 P010400 N
070 P020400 N
070 Q010400 N
070 Q020400 N
070 R010400 N
070 R020400 N
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071 B000400 22199
071 C000400 148132
071 D000400 15
072 A000400 6
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<PAGE> PAGE 24
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<PAGE> PAGE 25
008 A000501 COMMERCE BANK, N.A. (ST. LOUIS)
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008 D010501 ST. LOUIS
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008 D030501 64106
008 A000502 COMMERCE BANK, N.A. (KANSAS CITY)
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008 D010502 KANSAS CITY
008 D020502 MO
008 D030502 63105
014 A000501 GOLDMAN, SACHS & CO.
014 B000501 8-16048
014 A000502 GOLDMAN SACHS INTERNATIONAL
014 B000502 8-00000
014 A000503 COMMERCE BROKERAGE SERVICE, INC.
014 B000503 8-4125
015 A000501 STATE STREET BANK AND TRUST COMPANY
015 B000501 C
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015 C020501 MA
015 C030501 02110
015 E010501 X
024 000500 Y
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<PAGE> PAGE 26
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048 K020500 0.000
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050 000500 N
051 000500 N
<PAGE> PAGE 27
052 000500 N
053 A000500 N
055 A000500 N
055 B000500 N
056 000500 Y
057 000500 N
058 A000500 N
059 000500 Y
060 A000500 Y
060 B000500 Y
061 000500 2000
062 A000500 N
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066 D000500 N
066 E000500 N
066 F000500 N
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067 000500 N
068 A000500 N
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069 000500 N
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070 A020500 Y
070 B010500 Y
070 B020500 N
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<PAGE> PAGE 28
070 E020500 N
070 F010500 Y
070 F020500 N
070 G010500 Y
070 G020500 N
070 H010500 Y
070 H020500 N
070 I010500 N
070 I020500 N
070 J010500 Y
070 J020500 N
070 K010500 Y
070 K020500 N
070 L010500 Y
070 L020500 Y
070 M010500 N
070 M020500 N
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070 N020500 N
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070 O020500 N
070 P010500 N
070 P020500 N
070 Q010500 N
070 Q020500 N
070 R010500 N
070 R020500 N
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<PAGE> PAGE 29
072 U000500 5
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008 A000601 COMMERCE BANK, N.A. (ST. LOUIS)
<PAGE> PAGE 30
008 B000601 A
008 C000601 801-000000
008 D010601 ST. LOUIS
008 D020601 MO
008 D030601 64106
008 A000602 COMMERCE BANK, N.A. (KANSAS CITY)
008 B000602 A
008 C000602 801-000000
008 D010602 KANSAS CITY
008 D020602 MO
008 D030602 63105
008 A000603 ROWE PRICE-FLEMING INTERNATIONAL, INC.
008 B000603 S
008 C000603 801-14713
008 D010603 BALTIMORE
008 D020603 MD
008 D030603 00000
014 A000601 GOLDMAN, SACHS & CO.
014 B000601 8-16048
014 A000602 GOLDMAN SACHS INTERNATIONAL
014 B000602 8-00000000
014 A000603 JARDINE FLEMING
014 B000603 8-00000000
014 A000604 ROBERT FLEMING SECURITIES
014 B000604 8-00000000
014 A000605 COMMERCE BROKERAGE SERVICE, INC.
014 B000605 8-4125
015 A000601 STATE STREET BANK AND TRUST COMPANY
015 B000601 C
015 C010601 BOSTON
015 C020601 MA
015 C030601 02110
015 E010601 X
015 A000602 CITIBANK, N.A.
015 B000602 S
015 C010602 BUENOS AIRES
015 D010602 ARGENTINA
015 E040602 X
015 A000603 WESTPAC BANKING CORPORATION
015 B000603 S
015 C010603 SYDNEY
015 D010603 AUSTRALIA
015 E040603 X
015 A000604 GIROCREDIT BANK
015 B000604 S
015 C010604 VIENNA
015 D010604 AUSTRIA
015 E040604 X
015 A000605 STANDARD CHARTERED BANK
015 B000605 S
015 C010605 DHAKA
<PAGE> PAGE 31
015 D010605 BANGLADESH
015 E040605 X
015 A000606 BARCLAYS BANK OF BOTSWANA LIMITED
015 B000606 S
015 C010606 GABORONE
015 D010606 BOTSWANA
015 E040606 X
015 A000607 CITIBANK, N.A.
015 B000607 S
015 C010607 SAO PAULO
015 D010607 BRAZIL
015 E040607 X
015 A000608 CANADA TRUSTCO MORTGAGE COMPANY
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015 C010608 TORNOTO
015 D010608 CANADA
015 E040608 X
015 A000609 CITIBANK, N.A.
015 B000609 S
015 C010609 SANTIAGO
015 D010609 CHILE
015 E040609 X
015 A000610 THE HONG KONG & SHANGHAI BANKING CORP. LTD.
015 B000610 S
015 C010610 SHANGHAI
015 D010610 CHINA
015 E040610 X
015 A000611 CESKOSLOVENSKA OBCHODNI BANKA A.S.
015 B000611 S
015 C010611 PRAGUE
015 D010611 CZECH REPUBLIC
015 E040611 X
015 A000612 DEN DANSKE BANK
015 B000612 S
015 C010612 COPENHAGEN
015 D010612 DENMARK
015 E040612 X
015 A000613 KANSALLIS-OSAKE-PANKKI
015 B000613 S
015 C010613 HELSINKI
015 D010613 FINLAND
015 E040613 X
015 A000614 BANQUE PARIBAS
015 B000614 S
015 C010614 PARIS
015 D010614 FRANCE
015 E040614 X
015 A000615 BERLINER HANDELSUND FRANKFURTER BANK
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<PAGE> PAGE 32
015 E040615 X
015 A000616 STANDARD CHARTERED BANK
015 B000616 S
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015 D010616 HONG KONG
015 E040616 X
015 A000617 CITIBANK BUDAPEST RT.
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015 E040619 X
015 A000620 MORGAN GUARANTY TRUST COMPANY
015 B000620 S
015 C010620 MILAN
015 D010620 ITALY
015 E040620 X
015 A000621 SUMITOMO TRUST & BANKING CO., LTD.
015 B000621 S
015 C010621 TOKYO
015 D010621 JAPAN
015 E040621 X
015 A000622 THE BRITISH BANK OF THE MIDDLE EAST
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015 C010622 AMMAN
015 D010622 JORDAN
015 E040622 X
015 A000623 BANK OF SEOUL
015 B000623 S
015 C010623 SEOUL
015 D010623 KOREA
015 E040623 X
015 A000624 STANDARD CHARTERED BANK MALAYSIA BERHAD
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015 A000625 CITIBANK MEXICO, S.A.
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<PAGE> PAGE 33
015 A000626 MEESPIERSON N.V.
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015 A000630 THE DEVELOPMENT BANK OF SINGAPORE LTD.
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015 D010633 SWEDEN
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015 A000634 UNION BANK OF SWITZERLAND
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015 C010634 ZURICH
015 D010634 SWITZERLAND
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015 A000635 STANDARD CHARTERED BANK
015 B000635 S
015 C010635 BANGKOK
015 D010635 THAILAND
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015 A000636 STATE STREET BANK AND TRUST COMPANY
<PAGE> PAGE 34
015 B000636 S
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015 D010636 UNITED KINGDOM
015 E040636 X
015 A000637 GENERALE BANK
015 B000637 S
015 C010637 BRUSSELS
015 D010637 BELGIUM
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<PAGE> PAGE 35
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<PAGE> PAGE 36
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069 000600 N
070 A010600 Y
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070 I020600 N
070 J010600 Y
070 J020600 N
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070 K020600 Y
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070 L020600 Y
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<PAGE> PAGE 37
070 M020600 Y
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070 O020600 N
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070 R020600 N
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<PAGE> PAGE 38
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008 A000701 COMMERCE BANK, N.A. (ST. LOUIS)
008 B000701 A
008 C000701 801-000000
008 D010701 ST. LOUIS
008 D020701 MO
008 D030701 64106
008 A000702 COMMERCE BANK, N.A. (KANSAS CITY)
008 B000702 A
008 C000702 801-000000
008 D010702 KANSAS CITY
008 D020702 MO
008 D030702 63105
014 A000701 GOLDMAN, SACHS & CO.
014 B000701 8-16048
014 A000702 GOLDMAN SACHS INTERNATIONAL
014 B000702 8-00000
014 A000703 COMMERCE BROKERAGE SERVICE, INC.
<PAGE> PAGE 39
014 B000703 8-4125
015 A000701 STATE STREET BANK AND TRUST COMPANY
015 B000701 C
015 C010701 BOSTON
015 C020701 MA
015 C030701 02110
015 E010701 X
024 000700 N
025 D000701 0
025 D000702 0
025 D000703 0
025 D000704 0
025 D000705 0
025 D000706 0
025 D000707 0
025 D000708 0
028 A010700 804
028 A020700 2
028 A030700 0
028 A040700 525
028 B010700 535
028 B020700 2
028 B030700 0
028 B040700 90
028 C010700 539
028 C020700 2
028 C030700 0
028 C040700 307
028 D010700 1396
028 D020700 2
028 D030700 0
028 D040700 168
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028 E020700 3
028 E030700 0
028 E040700 72
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028 F040700 293
028 G010700 4611
028 G020700 14
028 G030700 0
028 G040700 1455
028 H000700 2
029 000700 Y
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030 B000700 3.50
030 C000700 0.00
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031 B000700 0
<PAGE> PAGE 40
032 000700 0
033 000700 0
045 000700 Y
046 000700 N
047 000700 Y
048 000700 0.500
048 A010700 0
048 A020700 0.000
048 B010700 0
048 B020700 0.000
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
048 K010700 0
048 K020700 0.000
049 000700 N
050 000700 N
051 000700 N
052 000700 N
053 A000700 Y
053 B000700 Y
053 C000700 N
055 A000700 N
055 B000700 N
056 000700 Y
057 000700 N
058 A000700 N
059 000700 Y
060 A000700 Y
060 B000700 Y
061 000700 2000
062 A000700 Y
062 B000700 0.0
062 C000700 0.0
062 D000700 0.0
062 E000700 0.0
062 F000700 0.0
062 G000700 0.0
<PAGE> PAGE 41
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 98.5
062 P000700 0.0
062 Q000700 0.0
062 R000700 0.0
063 A000700 0
063 B000700 6.5
064 A000700 Y
064 B000700 N
066 A000700 N
067 000700 N
068 A000700 N
068 B000700 N
069 000700 N
070 A010700 Y
070 A020700 Y
070 B010700 N
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 N
070 I020700 N
070 J010700 Y
070 J020700 N
070 K010700 Y
070 K020700 N
070 L010700 N
070 L020700 N
070 M010700 N
070 M020700 N
070 N010700 Y
070 N020700 N
070 O010700 Y
070 O020700 N
070 P010700 N
<PAGE> PAGE 42
070 P020700 N
070 Q010700 N
070 Q020700 N
070 R010700 N
070 R020700 N
071 A000700 6047
071 B000700 2100
071 C000700 11759
071 D000700 8
072 A000700 6
072 B000700 290
072 C000700 0
072 D000700 0
072 E000700 0
072 F000700 30
072 G000700 9
072 H000700 0
072 I000700 12
072 J000700 14
072 K000700 0
072 L000700 4
072 M000700 1
072 N000700 12
072 O000700 0
072 P000700 0
072 Q000700 0
072 R000700 2
072 S000700 3
072 T000700 0
072 U000700 5
072 V000700 0
072 W000700 1
072 X000700 93
072 Y000700 42
072 Z000700 239
072AA000700 0
072BB000700 0
072CC010700 0
072CC020700 194
072DD010700 239
072DD020700 0
072EE000700 6
073 A010700 0.3678
073 A020700 0.0000
073 B000700 0.0094
073 C000700 0.0000
074 A000700 0
074 B000700 0
074 C000700 0
074 D000700 13491
074 E000700 0
<PAGE> PAGE 43
074 F000700 0
074 G000700 0
074 H000700 0
074 I000700 0
074 J000700 100
074 K000700 7
074 L000700 344
074 M000700 41
074 N000700 13983
074 O000700 0
074 P000700 7
074 Q000700 0
074 R010700 0
074 R020700 0
074 R030700 0
074 R040700 284
074 S000700 0
074 T000700 13692
074 U010700 748
074 U020700 0
074 V010700 18.29
074 V020700 0.00
074 W000700 0.0000
074 X000700 19
074 Y000700 0
075 A000700 0
075 B000700 12091
076 000700 0.00
008 A000801 COMMERCE BANK, N.A. (ST. LOUIS)
008 B000801 A
008 C000801 801-000000
008 D010801 ST. LOUIS
008 D020801 MO
008 D030801 64106
008 A000802 COMMERCE BANK, N.A. (KANSAS CITY)
008 B000802 A
008 C000802 801-000000
008 D010802 KANSAS CITY
008 D020802 MO
008 D030802 63105
014 A000801 GOLDMAN, SACHS & CO.
014 B000801 8-16048
014 A000802 GOLDMAN SACHS INTERNATIONAL
014 B000802 8-00000
014 A000803 COMMERCE BROKERAGE SERVICE, INC.
014 B000803 8-4125
015 A000801 STATE STREET BANK AND TRUST COMPANY
015 B000801 C
015 C010801 BOSTON
015 C020801 MA
015 C030801 02110
<PAGE> PAGE 44
015 E010801 X
024 000800 N
025 D000801 0
025 D000802 0
025 D000803 0
025 D000804 0
025 D000805 0
025 D000806 0
025 D000807 0
025 D000808 0
028 A010800 457
028 A020800 3
028 A030800 0
028 A040800 168
028 B010800 494
028 B020800 3
028 B030800 0
028 B040800 40
028 C010800 342
028 C020800 4
028 C030800 0
028 C040800 574
028 D010800 836
028 D020800 4
028 D030800 0
028 D040800 43
028 E010800 407
028 E020800 4
028 E030800 0
028 E040800 72
028 F010800 622
028 F020800 5
028 F030800 0
028 F040800 204
028 G010800 3158
028 G020800 23
028 G030800 0
028 G040800 1101
028 H000800 301
029 000800 Y
030 A000800 8
030 B000800 3.50
030 C000800 0.00
031 A000800 1
031 B000800 0
032 000800 7
033 000800 0
045 000800 Y
046 000800 N
047 000800 Y
048 000800 0.500
<PAGE> PAGE 45
048 A010800 0
048 A020800 0.000
048 B010800 0
048 B020800 0.000
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 0
048 K020800 0.000
049 000800 N
050 000800 N
051 000800 N
052 000800 N
053 A000800 Y
053 B000800 Y
053 C000800 N
055 A000800 N
055 B000800 N
056 000800 Y
057 000800 N
058 A000800 N
059 000800 Y
060 A000800 N
060 B000800 N
061 000800 2000
062 A000800 Y
062 B000800 0.0
062 C000800 0.0
062 D000800 3.6
062 E000800 0.0
062 F000800 0.0
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
<PAGE> PAGE 46
062 N000800 0.0
062 O000800 98.7
062 P000800 0.0
062 Q000800 0.0
062 R000800 0.0
063 A000800 0
063 B000800 6.5
064 A000800 Y
064 B000800 N
066 A000800 N
067 000800 N
068 A000800 N
068 B000800 N
069 000800 N
070 A010800 Y
070 A020800 Y
070 B010800 N
070 B020800 N
070 C010800 Y
070 C020800 N
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 N
070 I020800 N
070 J010800 Y
070 J020800 N
070 K010800 Y
070 K020800 N
070 L010800 N
070 L020800 N
070 M010800 N
070 M020800 N
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 4640
<PAGE> PAGE 47
071 B000800 2335
071 C000800 9527
071 D000800 25
072 A000800 6
072 B000800 238
072 C000800 0
072 D000800 0
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072 F000800 25
072 G000800 7
072 H000800 0
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072 J000800 14
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072 R000800 2
072 S000800 3
072 T000800 0
072 U000800 4
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072 W000800 1
072 X000800 82
072 Y000800 51
072 Z000800 206
072AA000800 33
072BB000800 0
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072DD010800 206
072DD020800 0
072EE000800 0
073 A010800 0.3856
073 A020800 0.0000
073 B000800 0.0000
073 C000800 0.0000
074 A000800 1
074 B000800 384
074 C000800 0
074 D000800 10667
074 E000800 0
074 F000800 0
074 G000800 0
074 H000800 0
074 I000800 0
074 J000800 200
074 K000800 7
<PAGE> PAGE 48
074 L000800 132
074 M000800 40
074 N000800 11431
074 O000800 501
074 P000800 4
074 Q000800 0
074 R010800 0
074 R020800 0
074 R030800 0
074 R040800 117
074 S000800 0
074 T000800 10809
074 U010800 596
074 U020800 0
074 V010800 18.15
074 V020800 0.00
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074 X000800 41
074 Y000800 0
075 A000800 0
075 B000800 9874
076 000800 0.00
SIGNATURE DEBORAH ROBINSON
TITLE ADMIN. ASSISTANT
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
SEMI-ANNUAL REPORT DATED APRIL 30, 1996 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<SERIES>
<NUMBER> 1
<NAME> SHORT-TERM GOVERNMENT FUND
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-START> NOV-01-1995
<PERIOD-END> APR-30-1996
<INVESTMENTS-AT-COST> 27,110,505
<INVESTMENTS-AT-VALUE> 27,186,062
<RECEIVABLES> 536,976
<ASSETS-OTHER> 40,176
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 27,763,214
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 634,948
<TOTAL-LIABILITIES> 634,948
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 27,052,698
<SHARES-COMMON-STOCK> 1,480,969
<SHARES-COMMON-PRIOR> 1,073,509
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 11
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 75,557
<NET-ASSETS> 27,128,266
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 789,391
<OTHER-INCOME> 0
<EXPENSES-NET> (81,766)
<NET-INVESTMENT-INCOME> 707,625
<REALIZED-GAINS-CURRENT> 0
<APPREC-INCREASE-CURRENT> (457,167)
<NET-CHANGE-FROM-OPS> 250,458
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (707,625)
<DISTRIBUTIONS-OF-GAINS> (246,011)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 707,701
<NUMBER-OF-SHARES-REDEEMED> (336,523)
<SHARES-REINVESTED> 36,282
<NET-CHANGE-IN-ASSETS> 6,916,955
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 246,022
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 60,122
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 126,468
<AVERAGE-NET-ASSETS> 24,181,004
<PER-SHARE-NAV-BEGIN> 18.83
<PER-SHARE-NII> 0.55
<PER-SHARE-GAIN-APPREC> (0.29)
<PER-SHARE-DIVIDEND> (0.55)
<PER-SHARE-DISTRIBUTIONS> (0.22)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 18.32
<EXPENSE-RATIO> 0.68
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
SEMI-ANNUAL REPORT DATED APRIL 30, 1996 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<SERIES>
<NUMBER> 2
<NAME> BOND FUND
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-START> NOV-01-1995
<PERIOD-END> APR-30-1996
<INVESTMENTS-AT-COST> 112,145,287
<INVESTMENTS-AT-VALUE> 114,027,862
<RECEIVABLES> 2,020,598
<ASSETS-OTHER> 41,446
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 116,089,906
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 1,021,810
<TOTAL-LIABILITIES> 1,021,810
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 112,652,718
<SHARES-COMMON-STOCK> 6,130,380
<SHARES-COMMON-PRIOR> 5,024,288
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 532,803
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 1,882,575
<NET-ASSETS> 115,068,096
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 3,683,191
<OTHER-INCOME> 0
<EXPENSES-NET> (445,686)
<NET-INVESTMENT-INCOME> 3,237,505
<REALIZED-GAINS-CURRENT> 532,974
<APPREC-INCREASE-CURRENT> (4,045,536)
<NET-CHANGE-FROM-OPS> (275,057)
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (3,237,505)
<DISTRIBUTIONS-OF-GAINS> (1,391,915)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 1,934,555
<NUMBER-OF-SHARES-REDEEMED> (1,038,779)
<SHARES-REINVESTED> 210,316
<NET-CHANGE-IN-ASSETS> 16,563,818
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 1,391,744
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 265,221
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 445,686
<AVERAGE-NET-ASSETS> 106,671,392
<PER-SHARE-NAV-BEGIN> 19.61
<PER-SHARE-NII> 0.59
<PER-SHARE-GAIN-APPREC> (0.58)
<PER-SHARE-DIVIDEND> (0.59)
<PER-SHARE-DISTRIBUTIONS> (0.26)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 18.77
<EXPENSE-RATIO> 0.84
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
SEMI-ANNUAL REPORT DATED APRIL 30, 1996 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<SERIES>
<NUMBER> 3
<NAME> BALANCED FUND
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-START> NOV-01-1995
<PERIOD-END> APR-30-1996
<INVESTMENTS-AT-COST> 50,734,064
<INVESTMENTS-AT-VALUE> 59,155,470
<RECEIVABLES> 910,989
<ASSETS-OTHER> 39,043
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 60,105,502
<PAYABLE-FOR-SECURITIES> 1,596,250
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 55,735
<TOTAL-LIABILITIES> 1,651,985
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 48,476,578
<SHARES-COMMON-STOCK> 2,553,491
<SHARES-COMMON-PRIOR> 2,186,454
<ACCUMULATED-NII-CURRENT> 92,364
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 1,463,169
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 8,421,406
<NET-ASSETS> 58,453,517
<DIVIDEND-INCOME> 207,200
<INTEREST-INCOME> 700,849
<OTHER-INCOME> 0
<EXPENSES-NET> (298,950)
<NET-INVESTMENT-INCOME> 609,099
<REALIZED-GAINS-CURRENT> 1,463,193
<APPREC-INCREASE-CURRENT> 1,924,834
<NET-CHANGE-FROM-OPS> 3,997,126
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (611,529)
<DISTRIBUTIONS-OF-GAINS> (1,461,563)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 672,283
<NUMBER-OF-SHARES-REDEEMED> (397,130)
<SHARES-REINVESTED> 91,884
<NET-CHANGE-IN-ASSETS> 10,124,825
<ACCUMULATED-NII-PRIOR> 94,794
<ACCUMULATED-GAINS-PRIOR> 1,461,539
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 264,557
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 374,048
<AVERAGE-NET-ASSETS> 53,202,198
<PER-SHARE-NAV-BEGIN> 22.10
<PER-SHARE-NII> 0.25
<PER-SHARE-GAIN-APPREC> 1.45
<PER-SHARE-DIVIDEND> (0.25)
<PER-SHARE-DISTRIBUTIONS> (0.66)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 22.89
<EXPENSE-RATIO> 1.13
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
SEMI-ANNUAL REPORT DATED APRIL 30, 1996 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<SERIES>
<NUMBER> 4
<NAME> GROWTH FUND
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-START> NOV-01-1995
<PERIOD-END> APR-30-1996
<INVESTMENTS-AT-COST> 122,249,294
<INVESTMENTS-AT-VALUE> 164,229,987
<RECEIVABLES> 973,958
<ASSETS-OTHER> 42,826
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 165,246,771
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 1,772,162
<TOTAL-LIABILITIES> 1,772,162
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 116,984,056
<SHARES-COMMON-STOCK> 6,214,279
<SHARES-COMMON-PRIOR> 5,742,595
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> (7,200)
<ACCUMULATED-NET-GAINS> 4,517,060
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 41,980,693
<NET-ASSETS> 163,474,609
<DIVIDEND-INCOME> 1,090,355
<INTEREST-INCOME> 223,930
<OTHER-INCOME> 0
<EXPENSES-NET> (834,650)
<NET-INVESTMENT-INCOME> 479,635
<REALIZED-GAINS-CURRENT> 4,516,784
<APPREC-INCREASE-CURRENT> 11,881,176
<NET-CHANGE-FROM-OPS> 16,877,595
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (503,044)
<DISTRIBUTIONS-OF-GAINS> (6,627,050)
<DISTRIBUTIONS-OTHER> (7,200)
<NUMBER-OF-SHARES-SOLD> 1,766,056
<NUMBER-OF-SHARES-REDEEMED> (1,566,632)
<SHARES-REINVESTED> 272,260
<NET-CHANGE-IN-ASSETS> 21,739,473
<ACCUMULATED-NII-PRIOR> 23,409
<ACCUMULATED-GAINS-PRIOR> 6,627,326
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 581,934
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 834,650
<AVERAGE-NET-ASSETS> 156,035,164
<PER-SHARE-NAV-BEGIN> 24.68
<PER-SHARE-NII> 0.08
<PER-SHARE-GAIN-APPREC> 2.76
<PER-SHARE-DIVIDEND> (0.08)
<PER-SHARE-DISTRIBUTIONS> (1.13)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 26.31
<EXPENSE-RATIO> 1.08
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
SEMI-ANNUAL REPORT DATED APRIL 30, 1996 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<SERIES>
<NUMBER> 5
<NAME> AGGRESSIVE GROWTH FUND
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-START> NOV-01-1995
<PERIOD-END> APR-30-1996
<INVESTMENTS-AT-COST> 52,871,637
<INVESTMENTS-AT-VALUE> 64,509,648
<RECEIVABLES> 1,100,367
<ASSETS-OTHER> 36,658
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 65,646,673
<PAYABLE-FOR-SECURITIES> 970,775
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 74,898
<TOTAL-LIABILITIES> 1,045,673
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 51,143,084
<SHARES-COMMON-STOCK> 2,290,837
<SHARES-COMMON-PRIOR> 1,647,083
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> (50,507)
<ACCUMULATED-NET-GAINS> 1,870,412
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 11,638,011
<NET-ASSETS> 64,601,000
<DIVIDEND-INCOME> 210,231
<INTEREST-INCOME> 48,258
<OTHER-INCOME> 0
<EXPENSES-NET> (308,996)
<NET-INVESTMENT-INCOME> (50,507)
<REALIZED-GAINS-CURRENT> 1,810,472
<APPREC-INCREASE-CURRENT> 5,646,386
<NET-CHANGE-FROM-OPS> 7,406,351
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> (1,205,033)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 871,384
<NUMBER-OF-SHARES-REDEEMED> (269,132)
<SHARES-REINVESTED> 41,502
<NET-CHANGE-IN-ASSETS> 22,936,314
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 1,264,973
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 193,430
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 308,996
<AVERAGE-NET-ASSETS> 51,864,633
<PER-SHARE-NAV-BEGIN> 25.30
<PER-SHARE-NII> (0.01)
<PER-SHARE-GAIN-APPREC> 3.59
<PER-SHARE-DIVIDEND> 0
<PER-SHARE-DISTRIBUTIONS> (0.68)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 28.20
<EXPENSE-RATIO> 1.20
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
SEMI-ANNUAL REPORT DATED APRIL 30, 1996 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<SERIES>
<NUMBER> 6
<NAME> INTERNATIONAL EQUITY FUND
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-START> NOV-01-1995
<PERIOD-END> APR-30-1996
<INVESTMENTS-AT-COST> 37,126,657
<INVESTMENTS-AT-VALUE> 40,425,648
<RECEIVABLES> 1,372,085
<ASSETS-OTHER> 194,234
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 41,991,967
<PAYABLE-FOR-SECURITIES> 1,199,784
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 47,700
<TOTAL-LIABILITIES> 1,247,484
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 36,807,772
<SHARES-COMMON-STOCK> 1,958,072
<SHARES-COMMON-PRIOR> 1,127,182
<ACCUMULATED-NII-CURRENT> 116,257
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 522,030
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 3,298,424
<NET-ASSETS> 40,744,483
<DIVIDEND-INCOME> 338,261
<INTEREST-INCOME> 78,322
<OTHER-INCOME> 0
<EXPENSES-NET> (258,119)
<NET-INVESTMENT-INCOME> 158,464
<REALIZED-GAINS-CURRENT> 541,755
<APPREC-INCREASE-CURRENT> 2,909,203
<NET-CHANGE-FROM-OPS> 3,609,422
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (107,021)
<DISTRIBUTIONS-OF-GAINS> (85,792)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 1,026,679
<NUMBER-OF-SHARES-REDEEMED> (204,011)
<SHARES-REINVESTED> 8,222
<NET-CHANGE-IN-ASSETS> 19,730,711
<ACCUMULATED-NII-PRIOR> 64,814
<ACCUMULATED-GAINS-PRIOR> 66,067
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 225,103
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 390,766
<AVERAGE-NET-ASSETS> 30,178,683
<PER-SHARE-NAV-BEGIN> 18.64
<PER-SHARE-NII> 0.10
<PER-SHARE-GAIN-APPREC> 2.22
<PER-SHARE-DIVIDEND> (0.08)
<PER-SHARE-DISTRIBUTIONS> (0.07)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 20.81
<EXPENSE-RATIO> 1.72
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
SEMI-ANNUAL REPORT DATED APRIL 30, 1996 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<SERIES>
<NUMBER> 7
<NAME> NATIONAL TAX-FREE BOND FUND
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-START> NOV-01-1995
<PERIOD-END> APR-30-1996
<INVESTMENTS-AT-COST> 13,483,486
<INVESTMENTS-AT-VALUE> 13,491,051
<RECEIVABLES> 444,304
<ASSETS-OTHER> 47,497
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 13,982,852
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 291,298
<TOTAL-LIABILITIES> 291,298
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 13,684,005
<SHARES-COMMON-STOCK> 748,446
<SHARES-COMMON-PRIOR> 578,220
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> (16)
<ACCUM-APPREC-OR-DEPREC> 7,565
<NET-ASSETS> 13,691,554
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 289,827
<OTHER-INCOME> 0
<EXPENSES-NET> (51,103)
<NET-INVESTMENT-INCOME> 238,724
<REALIZED-GAINS-CURRENT> 0
<APPREC-INCREASE-CURRENT> (194,039)
<NET-CHANGE-FROM-OPS> 44,685
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (238,724)
<DISTRIBUTIONS-OF-GAINS> (5,570)
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 247,664
<NUMBER-OF-SHARES-REDEEMED> (78,206)
<SHARES-REINVESTED> 768
<NET-CHANGE-IN-ASSETS> 2,970,235
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 5,554
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 30,061
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 93,100
<AVERAGE-NET-ASSETS> 9,874,286
<PER-SHARE-NAV-BEGIN> 18.54
<PER-SHARE-NII> 0.37
<PER-SHARE-GAIN-APPREC> (0.24)
<PER-SHARE-DIVIDEND> (0.37)
<PER-SHARE-DISTRIBUTIONS> (0.01)
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 18.29
<EXPENSE-RATIO> 0.85
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
THIS SCHEDULE CONTAINED SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
SEMI-ANNUAL REPORT DATED APRIL 30, 1996 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<SERIES>
<NUMBER> 8
<NAME> MISSOURI TAX-FREE BOND FUND
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> OCT-31-1996
<PERIOD-START> NOV-01-1995
<PERIOD-END> APR-30-1996
<INVESTMENTS-AT-COST> 11,121,115
<INVESTMENTS-AT-VALUE> 11,050,945
<RECEIVABLES> 331,929
<ASSETS-OTHER> 47,873
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 11,430,747
<PAYABLE-FOR-SECURITIES> 500,944
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 121,243
<TOTAL-LIABILITIES> 622,187
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 10,850,762
<SHARES-COMMON-STOCK> 595,575
<SHARES-COMMON-PRIOR> 483,038
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 27,968
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> (70,170)
<NET-ASSETS> 10,808,560
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 237,520
<OTHER-INCOME> 0
<EXPENSES-NET> (31,916)
<NET-INVESTMENT-INCOME> 205,604
<REALIZED-GAINS-CURRENT> 33,115
<APPREC-INCREASE-CURRENT> (193,739)
<NET-CHANGE-FROM-OPS> 44,980
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> (205,604)
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 170,779
<NUMBER-OF-SHARES-REDEEMED> (59,512)
<SHARES-REINVESTED> 1,270
<NET-CHANGE-IN-ASSETS> 1,919,422
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> (5,147)
<GROSS-ADVISORY-FEES> 24,551
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 82,456
<AVERAGE-NET-ASSETS> 9,874,286
<PER-SHARE-NAV-BEGIN> 18.40
<PER-SHARE-NII> 0.39
<PER-SHARE-GAIN-APPREC> (0.25)
<PER-SHARE-DIVIDEND> (0.39)
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 18.15
<EXPENSE-RATIO> 0.65
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
