<PAGE> PAGE 1
000 B000000 10/31/98
000 C000000 0000926243
000 D000000 N
000 E000000 NF
000 F000000 Y
000 G000000 Y
000 H000000 N
000 I000000 3.0
000 J000000 U
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 9
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 MIDCAP 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 INTERMEDIATE BOND FUND
007 C030700 N
007 C010800 8
007 C020800 THE MISSOURI TAX-FREE INTERMEDIATE BOND FUND
007 C030800 N
007 C010900 9
007 C020900 THE GROWTH AND INCOME FUND
007 C030900 N
007 C011000 10
077 A000000 Y
<PAGE> PAGE 2
080 A00AA00 CHUBB
080 C00AA00 1250
081 A00AA00 N
081 B00AA00 0
082 A00AA00 Y
082 B00AA00 25000
083 A00AA00 N
083 B00AA00 0
084 A00AA00 N
084 B00AA00 0
085 A00AA00 Y
085 B00AA00 N
062 A000100 Y
062 B000100 0.0
062 C000100 3.6
062 D000100 0.9
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 8.8
062 N000100 69.2
062 O000100 0.0
062 P000100 0.0
062 Q000100 16.3
062 R000100 0.0
071 A000100 45700
071 B000100 26229
071 C000100 54687
071 D000100 48
072 A000100 12
074 N000100 70750
074 T000100 70506
075 A000100 0
075 B000100 57361
062 A000200 Y
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
062 J000200 0.0
062 K000200 0.0
062 L000200 0.0
<PAGE> PAGE 3
062 M000200 11.1
062 N000200 23.3
062 O000200 0.0
062 P000200 26.5
062 Q000200 38.1
062 R000200 0.0
071 A000200 163104
071 B000200 78333
071 C000200 260354
071 D000200 30
072 A000200 12
074 N000200 307622
074 T000200 306455
075 A000200 0
075 B000200 267719
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
062 R000300 0.0
071 A000300 93416
071 B000300 81536
071 C000300 120630
071 D000300 68
072 A000300 12
074 N000300 127900
074 T000300 126311
075 A000300 0
075 B000300 125096
062 A000400 N
062 B000400 0.0
062 C000400 0.0
062 D000400 0.0
062 E000400 0.0
062 F000400 0.0
062 G000400 0.0
062 H000400 0.0
062 I000400 0.0
<PAGE> PAGE 4
062 J000400 0.0
062 K000400 0.0
062 L000400 0.0
062 M000400 0.0
062 N000400 0.0
062 O000400 0.0
062 P000400 0.0
062 Q000400 0.0
062 R000400 0.0
071 A000400 211688
071 B000400 199210
071 C000400 378470
071 D000400 53
072 A000400 12
074 N000400 432292
074 T000400 418762
075 A000400 0
075 B000400 403567
062 A000500 N
062 B000500 0.0
062 C000500 0.0
062 D000500 0.0
062 E000500 0.0
062 F000500 0.0
062 G000500 0.0
062 H000500 0.0
062 I000500 0.0
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
071 A000500 117652
071 B000500 97985
071 C000500 129179
071 D000500 76
072 A000500 12
074 N000500 142832
074 T000500 140271
075 A000500 0
075 B000500 133058
062 A000600 N
062 B000600 0.0
062 C000600 0.0
062 D000600 0.0
062 E000600 0.0
062 F000600 0.0
<PAGE> PAGE 5
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 0.0
062 N000600 0.0
062 O000600 0.0
062 P000600 0.0
062 Q000600 0.0
062 R000600 0.0
071 A000600 38071
071 B000600 19821
071 C000600 89546
071 D000600 22
072 A000600 12
074 N000600 105819
074 T000600 101540
075 A000600 0
075 B000600 93734
062 A000700 Y
062 B000700 0.0
062 C000700 0.0
062 D000700 0.0
062 E000700 2.1
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 97.0
062 P000700 0.0
062 Q000700 0.0
062 R000700 0.0
071 A000700 18475
071 B000700 11488
071 C000700 28086
071 D000700 41
072 A000700 12
074 N000700 34191
074 T000700 33528
075 A000700 0
075 B000700 29022
062 A000800 Y
062 B000800 0.0
062 C000800 0.0
<PAGE> PAGE 6
062 D000800 0.7
062 E000800 1.5
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
062 N000800 0.0
062 O000800 97.1
062 P000800 0.0
062 Q000800 0.0
062 R000800 0.0
071 A000800 16464
071 B000800 9378
071 C000800 27728
071 D000800 34
072 A000800 12
074 N000800 34370
074 T000800 34051
075 A000800 0
075 B000800 28896
062 A000900 N
062 B000900 0.0
062 C000900 0.0
062 D000900 0.0
062 E000900 0.0
062 F000900 0.0
062 G000900 0.0
062 H000900 0.0
062 I000900 0.0
062 J000900 0.0
062 K000900 0.0
062 L000900 0.0
062 M000900 0.0
062 N000900 0.0
062 O000900 0.0
062 P000900 0.0
062 Q000900 0.0
062 R000900 0.0
071 A000900 93814
071 B000900 42565
071 C000900 77168
071 D000900 55
072 A000900 12
074 N000900 94150
074 T000900 93990
075 A000900 0
075 B000900 80493
<PAGE> PAGE 7
SIGNATURE DEBORAH FARRELL
TITLE LEGAL PRODUCTS ANAL.
