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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 N
070 K020400 N
070 L010400 Y
<PAGE> PAGE 21
070 L020400 Y
070 M010400 N
070 M020400 N
070 N010400 Y
070 N020400 N
070 O010400 Y
070 O020400 N
070 P010400 Y
070 P020400 N
070 Q010400 N
070 Q020400 N
070 R010400 N
070 R020400 N
071 A000400 4110
071 B000400 2409
071 C000400 8663
071 D000400 28
072 A000400 6
072 B000400 4
072 C000400 68
072 D000400 0
072 E000400 0
072 F000400 24
072 G000400 56
072 H000400 0
072 I000400 0
072 J000400 0
072 K000400 0
072 L000400 3
072 M000400 5
072 N000400 0
072 O000400 0
072 P000400 0
072 Q000400 0
072 R000400 7
072 S000400 5
072 T000400 0
072 U000400 10
072 V000400 0
072 W000400 5
072 X000400 115
072 Y000400 80
072 Z000400 37
072AA000400 308
072BB000400 0
072CC010400 1082
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072DD010400 1
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072EE000400 29
073 A010400 0.0016
<PAGE> PAGE 22
073 A020400 0.0000
073 B000400 0.0492
073 C000400 0.0000
074 A000400 154
074 B000400 0
074 C000400 0
074 D000400 0
074 E000400 0
074 F000400 10156
074 G000400 0
074 H000400 0
074 I000400 0
074 J000400 51
074 K000400 26
074 L000400 15
074 M000400 50
074 N000400 10452
074 O000400 48
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074 Q000400 0
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074 R020400 0
074 R030400 0
074 R040400 14
074 S000400 0
074 T000400 10390
074 U010400 585
074 U020400 0
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074 W000400 0.0000
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076 000400 0.00
SIGNATURE DAVID W. SCHUTT
TITLE SECRETARY & TREAS.
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
This schedule contains summary financial
information extracted from M Fund Inc.
financial statements at June 30, 1998
and is qualified in its entirety by reference
to such financial statements.
</LEGEND>
<SERIES>
<NUMBER> 1
<NAME> Edinburgh Overseas Equity Fund
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1998
<PERIOD-END> JUN-30-1998
<INVESTMENTS-AT-COST> 6,296,989
<INVESTMENTS-AT-VALUE> 7,423,289
<RECEIVABLES> 542,624
<ASSETS-OTHER> 50,603
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 8,016,516
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 14,744
<TOTAL-LIABILITIES> 14,744
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 7,264,626
<SHARES-COMMON-STOCK> 715,623
<SHARES-COMMON-PRIOR> 605,730
<ACCUMULATED-NII-CURRENT> 38,732
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 427,789
<ACCUM-APPREC-OR-DEPREC> 1,126,203
<NET-ASSETS> 8,001,772
<DIVIDEND-INCOME> 83,346
<INTEREST-INCOME> 9,091
<OTHER-INCOME> 0
<EXPENSES-NET> 46,581
<NET-INVESTMENT-INCOME> 45,856
<REALIZED-GAINS-CURRENT> (166,542)
<APPREC-INCREASE-CURRENT> 885,398
<NET-CHANGE-FROM-OPS> 764,712
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 217,833
<NUMBER-OF-SHARES-REDEEMED> 107,940
<SHARES-REINVESTED> 0
<NET-CHANGE-IN-ASSETS> 1,967,787
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 7,124
<OVERDIST-NET-GAINS-PRIOR> 261,247
<GROSS-ADVISORY-FEES> 37,502
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 142,405
<AVERAGE-NET-ASSETS> 7,225,954
<PER-SHARE-NAV-BEGIN> 9.96
<PER-SHARE-NII> 0.18
<PER-SHARE-GAIN-APPREC> 1.04
<PER-SHARE-DIVIDEND> 0.00
<PER-SHARE-DISTRIBUTIONS> 0.00
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 11.18
<EXPENSE-RATIO> 1.30
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0.00
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
This schedule contains summary financial
information extracted from M Fund Inc.
financial statements at June 30, 1998
and is qualified in its entirety by reference
to such financial statements.
</LEGEND>
<SERIES>
<NUMBER> 2
<NAME> Turner Core Growth Fund
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1998
<PERIOD-END> JUN-30-1998
<INVESTMENTS-AT-COST> 4,680,044
<INVESTMENTS-AT-VALUE> 5,770,498
<RECEIVABLES> 239,647
<ASSETS-OTHER> 50,603
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 6,060,748
<PAYABLE-FOR-SECURITIES> 7,618
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 17,923
<TOTAL-LIABILITIES> 25,541
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 4,665,662
<SHARES-COMMON-STOCK> 370,877
<SHARES-COMMON-PRIOR> 282,925
<ACCUMULATED-NII-CURRENT> 6,952
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 272,139
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 1,090,454
<NET-ASSETS> 6,035,207
<DIVIDEND-INCOME> 17,991
<INTEREST-INCOME> 5,040
<OTHER-INCOME> 0
<EXPENSES-NET> 16,057
<NET-INVESTMENT-INCOME> 6,974
<REALIZED-GAINS-CURRENT> 298,955
<APPREC-INCREASE-CURRENT> 591,526
<NET-CHANGE-FROM-OPS> 897,455
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 925
<DISTRIBUTIONS-OF-GAINS> 1,222
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 130,102
<NUMBER-OF-SHARES-REDEEMED> 42,283
<SHARES-REINVESTED> 133
<NET-CHANGE-IN-ASSETS> 2,215,065
<ACCUMULATED-NII-PRIOR> 903
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 25,594
<GROSS-ADVISORY-FEES> 10,923
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 101,876
<AVERAGE-NET-ASSETS> 4,625,395
<PER-SHARE-NAV-BEGIN> 13.50
<PER-SHARE-NII> 0.06
<PER-SHARE-GAIN-APPREC> 2.72
<PER-SHARE-DIVIDEND> 0.00
<PER-SHARE-DISTRIBUTIONS> 0.01
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 16.27
<EXPENSE-RATIO> 0.70
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0.00
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
This schedule contains summary financial
information extracted from M Fund Inc.
financial statements at June 30, 1998
and is qualified in its entirety by reference
to such financial statements.
</LEGEND>
<SERIES>
<NUMBER> 3
<NAME> Frontier Capital Appreciation Fund
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1998
<PERIOD-END> Jun-30-1998
<INVESTMENTS-AT-COST> 20,851,923
<INVESTMENTS-AT-VALUE> 21,823,251
<RECEIVABLES> 2,359,873
<ASSETS-OTHER> 50,603
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 24,233,727
<PAYABLE-FOR-SECURITIES> 510,129
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 45,111
<TOTAL-LIABILITIES> 555,240
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 22,881,688
<SHARES-COMMON-STOCK> 1,564,203
<SHARES-COMMON-PRIOR> 1,114,444
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 16,667
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 157,862
<ACCUM-APPREC-OR-DEPREC> 971,328
<NET-ASSETS> 23,678,487
<DIVIDEND-INCOME> 35,225
<INTEREST-INCOME> 68,366
<OTHER-INCOME> 0
<EXPENSES-NET> 120,258
<NET-INVESTMENT-INCOME> (16,667)
<REALIZED-GAINS-CURRENT> (100,846)
<APPREC-INCREASE-CURRENT> 478,060
<NET-CHANGE-FROM-OPS> 360,547
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> 125,049
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 533,315
<NUMBER-OF-SHARES-REDEEMED> 91,904
<SHARES-REINVESTED> 8,348
<NET-CHANGE-IN-ASSETS> 7,050,039
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 68,033
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 93,988
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 186,804
<AVERAGE-NET-ASSETS> 21,086,920
<PER-SHARE-NAV-BEGIN> 14.92
<PER-SHARE-NII> (0.01)
<PER-SHARE-GAIN-APPREC> 0.31
<PER-SHARE-DIVIDEND> 0.00
<PER-SHARE-DISTRIBUTIONS> 0.08
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 15.14
<EXPENSE-RATIO> 1.15
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0.00
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
This schedule contains summary financial
information extracted from M Fund Inc.
financial statements at June 30, 1998
and is qualified in its entirety by reference
to such financial statements.
</LEGEND>
<SERIES>
<NUMBER> 4
<NAME> Enhanced Equity Fund
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1998
<PERIOD-END> Jun-30-1998
<INVESTMENTS-AT-COST> 8,470,180
<INVESTMENTS-AT-VALUE> 10,155,641
<RECEIVABLES> 246,056
<ASSETS-OTHER> 50,603
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 10,452,300
<PAYABLE-FOR-SECURITIES> 48,689
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 13,924
<TOTAL-LIABILITIES> 62,613
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 8,359,806
<SHARES-COMMON-STOCK> 585,233
<SHARES-COMMON-PRIOR> 486,792
<ACCUMULATED-NII-CURRENT> 36,905
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 307,515
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 1,685,461
<NET-ASSETS> 10,389,687
<DIVIDEND-INCOME> 68,214
<INTEREST-INCOME> 3,838
<OTHER-INCOME> 0
<EXPENSES-NET> 35,097
<NET-INVESTMENT-INCOME> 36,955
<REALIZED-GAINS-CURRENT> 307,658
<APPREC-INCREASE-CURRENT> 1,082,249
<NET-CHANGE-FROM-OPS> 1,426,862
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 932
<DISTRIBUTIONS-OF-GAINS> 28,674
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 119,140
<NUMBER-OF-SHARES-REDEEMED> 22,371
<SHARES-REINVESTED> 1,672
<NET-CHANGE-IN-ASSETS> 3,044,875
<ACCUMULATED-NII-PRIOR> 882
<ACCUMULATED-GAINS-PRIOR> 28,531
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 24,054
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 114,789
<AVERAGE-NET-ASSETS> 8,846,428
<PER-SHARE-NAV-BEGIN> 15.09
<PER-SHARE-NII> 0.14
<PER-SHARE-GAIN-APPREC> 2.57
<PER-SHARE-DIVIDEND> 0.00
<PER-SHARE-DISTRIBUTIONS> 0.05
<RETURNS-OF-CAPITAL> 0.00
<PER-SHARE-NAV-END> 17.75
<EXPENSE-RATIO> 0.80
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0.00
</TABLE>
