<TABLE> <S> <C>
<ARTICLE> 6
<LEGEND>
This schedule contains summary financial
information extracted from M Fund Inc.
financial statements at June 30, 2000
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-31-2000
<PERIOD-END> JUN-30-2000
<INVESTMENTS-AT-COST> 51,824,453
<INVESTMENTS-AT-VALUE> 58,130,858
<RECEIVABLES> 76,616
<ASSETS-OTHER> 2,996,559
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 61,204,033
<PAYABLE-FOR-SECURITIES> 151,418
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 140,459
<TOTAL-LIABILITIES> 291,877
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 43,451,025
<SHARES-COMMON-STOCK> 2,571,395
<SHARES-COMMON-PRIOR> 2,269,038
<ACCUMULATED-NII-CURRENT> (65,237)
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 11,219,963
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 6,306,405
<NET-ASSETS> 60,912,156
<DIVIDEND-INCOME> 174,762
<INTEREST-INCOME> 111,881
<OTHER-INCOME> 0
<EXPENSES-NET> 351,880
<NET-INVESTMENT-INCOME> (65,237)
<REALIZED-GAINS-CURRENT> 11,521,695
<APPREC-INCREASE-CURRENT> (6,073,700)
<NET-CHANGE-FROM-OPS> 5,382,758
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> 1,635,631
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 1,635,212
<NUMBER-OF-SHARES-REDEEMED> (1,401,579)
<SHARES-REINVESTED> 68,724
<NET-CHANGE-IN-ASSETS> 12,992,794
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 1,333,899
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 275,384
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 386,239
<AVERAGE-NET-ASSETS> 61,532,673
<PER-SHARE-NAV-BEGIN> 21.12
<PER-SHARE-NII> (0.03)
<PER-SHARE-GAIN-APPREC> 3.25
<PER-SHARE-DIVIDEND> 0.00
<PER-SHARE-DISTRIBUTIONS> 0.65
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 23.69
<EXPENSE-RATIO> 1.15
</TABLE>
