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SIGNATURE GRETCHEN B. ZEPERNICK
TITLE CORP COMPLIANCE ADMN
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000936886
<NAME> FOCUS TRUST, INC.
<SERIES>
<NUMBER> 1
<NAME> FOCUS TRUST, INC.
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<S> <C>
<PERIOD-TYPE> 12-MOS
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<PERIOD-START> JAN-01-1996
<PERIOD-END> DEC-31-1996
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[Letterhead Coopers & Lybrand]
REPORT OF INDEPENDENT ACCOUNTANTS
To the Shareholders and Directors of Focus Trust, Inc.:
In planning and performing our audit of the financial statements and
financial highlights of Focus Trust, Inc. (the "Fund") for the year ended
December 31, 1996, we considered its internal control structure, including
procedures for safeguarding securities, in order to determine our auditing
procedures for the purpose of expressing our opinion on the financial
statements and financial highlights and to comply with the requirements of
Form N-SAR, not to provide assurance on the internal control structure.
The management of the Fund is responsible for establishing and maintaining an
internal control structure. In fulfilling this responsibility, estimates and
judgments by management are required to assess the expected benefits and
related costs of internal control structure policies and procedures. Two of
the objectives of an internal control structure are to provide management
with reasonable, but not absolute, assurance that assets are safeguarded
against loss from unauthorized use or disposition and transactions are
executed in accordance with management's authorization and recorded properly
to permit preparation of financial statements in conformity with generally
accepted accounting principles.
Because of inherent limitations in any internal control structure, errors or
irregularities may occur and may not be detected. Also, projection of any
evaluation of the structure 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 the internal control structure would not necessarily
disclose all matters in the internal control structure 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 the specific internal control structure elements does not reduce
to a relatively low level the risk that errors or irregularities in amounts
that would be material in relation to the financial statements and financial
highlights 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 the internal control structure,
including procedures for safeguarding securities, that we consider to be
material weaknesses, as defined above, as of December 31, 1996.
This report is intended solely for the information and use of management and
the Securities and Exchange Commission.
/s/ Coopers & Lybrand LLP
Coopers & Lybrand L.L.P. 2400 Eleven Penn Center
Philadelphia, Pennsylvania
January 20, 1997
