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<PAGE> PAGE 2
010 C020001 CT
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014 A000005 TOWER SQUARE SECURITIES, INC.
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<PAGE> PAGE 3
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020 A000008 GREENWICH CAPITAL MARKETS INC.
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<PAGE> PAGE 5
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SIGNATURE JAY S. FISHMAN
TITLE CHIEF FINANCIAL OFF.
<TABLE> <S> <C>
<ARTICLE> 6
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1995
<PERIOD-START> JAN-01-1995
<PERIOD-END> DEC-31-1995
<INVESTMENTS-AT-COST> 171,465,906
<INVESTMENTS-AT-VALUE> 177,553,579
<RECEIVABLES> 2,101,470
<ASSETS-OTHER> 732
<OTHER-ITEMS-ASSETS> 37,260
<TOTAL-ASSETS> 179,693,041
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 91,491
<TOTAL-LIABILITIES> 91,491
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 0
<SHARES-COMMON-STOCK> 36,391,342
<SHARES-COMMON-PRIOR> 37,727,402
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 179,601,550
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 11,561,622
<OTHER-INCOME> 0
<EXPENSES-NET> 2,538,192
<NET-INVESTMENT-INCOME> 9,023,430
<REALIZED-GAINS-CURRENT> 1,019,178
<APPREC-INCREASE-CURRENT> 12,716,988
<NET-CHANGE-FROM-OPS> 22,759,596
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 0
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 0
<NUMBER-OF-SHARES-REDEEMED> 0
<SHARES-REINVESTED> 0
<NET-CHANGE-IN-ASSETS> 16,882,759
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 547,715
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 2,538,192
<AVERAGE-NET-ASSETS> 168,807,857
<PER-SHARE-NAV-BEGIN> 0
<PER-SHARE-NII> 0
<PER-SHARE-GAIN-APPREC> 0
<PER-SHARE-DIVIDEND> 0
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 0
<EXPENSE-RATIO> 1.57
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<AVG-DEBT-PER-SHARE> 0
</TABLE>
REPORT OF INDEPENDENT ACCOUNTANTS
To the Board of Managers and Owners of Variable
Annuity Contracts of The Travelers Quality Bond
Account for Variable Annuities:
In planning and performing our audit of the financial statements and per
unit data of The Travelers Quality Bond Account for Variable Annuities
for the year ended December 31, 1995, 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 per unit data and to comply with
the requirements of Form N-SAR, not to provide assurance on the
internal control structure.
The management of The Travelers Quality Bond Account for Variable
Annuities 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 that transactions are
executed in accordance with management's authorization and recorded
properly to permit the preparation of financial statements in conformity
with generally accepted accounting principles.
Because of inherent limitations in any internal accounting control
structure, errors or irregularities may occur and 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 per unit data 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 that we consider to be material weaknesses, as
defined above, as of December 31, 1995.
This report is intended solely for the information and use of management
of The Travelers Quality Bond Account for Variable Annuities and the
Securities and Exchange Commission.
COOPERS & LYBRAND L.L.P.
Hartford, Connecticut
February 16, 1996
