<PAGE> PAGE 1
000 B000000 12/31/96
000 C000000 0000099440
000 D000000 N
000 E000000 NF
000 F000000 Y
000 G000000 N
000 H000000 N
000 I000000 3.0.a
000 J000000 A
001 A000000 THE TRAVELERS QUALITY BOND ACCOUNT
001 B000000 811-2571
001 C000000 8602774519
002 A000000 ONE TOWER SQUARE
002 B000000 HARTFORD
002 C000000 CT
002 D010000 06183
003 000000 N
004 000000 N
005 000000 N
006 000000 N
007 A000000 N
007 B000000 0
007 C010100 1
007 C010200 2
007 C010300 3
007 C010400 4
007 C010500 5
007 C010600 6
007 C010700 7
007 C010800 8
007 C010900 9
007 C011000 10
007 C011100 11
007 C011200 12
007 C011300 13
007 C011400 14
007 C011500 15
007 C011600 16
007 C011700 17
007 C011800 18
007 C011900 19
007 C012000 20
008 A000001 TRAVELERS ASSET MANAGEMENT INTERNATIONAL CORP
008 B000001 A
008 C000001 801-17003
008 D010001 HARTFORD
008 D020001 CT
008 D030001 06183
010 A000001 THE TRAVELERS INSURANCE COMPANY
010 B000001 8-13516
010 C010001 HARTFORD
<PAGE> PAGE 2
010 C020001 CT
010 C030001 06183
011 A000001 TOWER SQUARE SECURITIES, INC.
011 B000001 8-13752
011 C010001 HARTFORD
011 C020001 CT
011 C030001 06183
013 A000001 COOPERS & LYBRAND, L.L.P.
013 B010001 HARTFORD
013 B020001 CT
013 B030001 06103
014 A000001 PFS DISTRIBUTORS, INC.
014 B000001 8-37352
014 A000002 PFS INVESTMENTS INC.
014 B000002 8-26486
014 A000003 THE ROBINSON-HUMPHREY COMPANY, INC.
014 B000003 8-27190
014 A000004 THE TRAVELERS INSURANCE COMPANY
014 B000004 8-13516
014 A000005 TOWER SQUARE SECURITIES, INC.
014 B000005 8-13752
014 A000006 COPELAND EQUITIES, INC.
014 B000006 8-21009
014 A000007 SMITH BARNEY INC.
014 B000007 8-8177
015 A000001 THE CHASE MANHATTAN BANK, N.A.
015 B000001 C
015 C010001 NEW YORK
015 C020001 NY
015 C030001 10081
015 C040001 1000
015 E010001 X
018 000000 Y
019 A000000 Y
019 B000000 7
019 C000000 TICSEPACCT
020 A000001 SALOMON BROTHERS, INC.
020 B000001 13-5365580
020 C000001 96
020 A000002 FIRST BOSTON CORPORATION
020 B000002 13-5659485
020 C000002 94
020 A000003 GOLDMAN, SACHS & CO.
020 B000003 13-5102880
020 C000003 81
020 A000004 UBS SECURITIES INC.
020 C000004 81
020 A000005 MORGAN STANLEY & CO. INCORPORATE
020 B000005 13-2655998
020 C000005 56
020 A000006 MERRILL LYNCH
<PAGE> PAGE 3
020 C000006 51
020 A000007 LEHMAN BROTHERS INC.
020 C000007 42
020 A000008 FREDDIE MAC
020 C000008 37
020 A000009 DONALDSON LUFKIN & JENNRETTE, INC.
020 C000009 35
020 A000010 BEAR STEARNS & CO.
020 C000010 27
021 000000 745
022 A000001 MERRILL LYNCH GOVERNMENT SECURITIES
022 C000001 373699
022 D000001 0
022 A000002 MORGAN STANLEY & CO. INCORPORATE
022 C000002 306351
022 D000002 24049
022 A000003 FIRST BOSTON CORPORATION
022 B000003 13-5659485
022 C000003 59034
022 D000003 37394
022 A000004 GOLDMAN SACHS MONEY MARKETS L.P.
022 C000004 88986
022 D000004 3123
022 A000005 SALOMON BROTHERS, INC.
022 B000005 13-5365580
022 C000005 25318
022 D000005 51021
022 A000006 UBS SECURITIES INC.
022 C000006 14797
022 D000006 51708
022 A000007 GOLDMAN, SACHS & CO.
022 B000007 13-5102880
022 C000007 42364
022 D000007 23392
022 A000008 JP MORGAN SECURITIES INC.
022 C000008 35289
022 D000008 18978
022 A000009 CHEMICAL SECURITIES INC.
022 C000009 33438
022 D000009 18382
022 A000010 MERRILL LYNCH
022 C000010 23129
022 D000010 17624
023 C000000 1209019
023 D000000 353470
024 000000 N
025 D000001 0
025 D000002 0
025 D000003 0
025 D000004 0
025 D000005 0
<PAGE> PAGE 4
025 D000006 0
025 D000007 0
025 D000008 0
026 A000000 N
026 B000000 Y
026 C000000 N
026 D000000 Y
026 E000000 N
026 F000000 N
026 G010000 N
026 G020000 N
026 H000000 N
027 000000 Y
028 A010000 1699
028 A020000 0
028 A030000 0
028 A040000 4807
028 B010000 1863
028 B020000 0
028 B030000 0
028 B040000 4252
028 C010000 1344
028 C020000 0
028 C030000 0
028 C040000 3845
028 D010000 1741
028 D020000 0
028 D030000 0
028 D040000 3795
028 E010000 1804
028 E020000 0
028 E030000 0
028 E040000 2944
028 F010000 1839
028 F020000 0
028 F030000 0
028 F040000 3755
028 G010000 10290
028 G020000 0
028 G030000 0
028 G040000 23398
028 H000000 377
029 000000 Y
030 A000000 15
030 B000000 4.00
030 C000000 0.00
031 A000000 0
031 B000000 816
032 000000 510
033 000000 321
034 000000 Y
<PAGE> PAGE 5
035 000000 70
036 A000000 N
036 B000000 0
037 000000 N
038 000000 0
039 000000 Y
040 000000 N
042 A000000 0
042 B000000 0
042 C000000 0
042 D000000 0
042 E000000 0
042 F000000 0
042 G000000 0
042 H000000 0
043 000000 0
044 000000 0
045 000000 Y
046 000000 N
047 000000 Y
048 000000 0.323
048 A010000 0
048 A020000 0.000
048 B010000 0
048 B020000 0.000
048 C010000 0
048 C020000 0.000
048 D010000 0
048 D020000 0.000
048 E010000 0
048 E020000 0.000
048 F010000 0
048 F020000 0.000
048 G010000 0
048 G020000 0.000
048 H010000 0
048 H020000 0.000
048 I010000 0
048 I020000 0.000
048 J010000 0
048 J020000 0.000
048 K010000 0
048 K020000 0.000
049 000000 N
050 000000 N
051 000000 N
052 000000 N
053 A000000 N
054 A000000 Y
054 B000000 Y
054 C000000 Y
<PAGE> PAGE 6
054 D000000 Y
054 E000000 Y
054 F000000 Y
054 G000000 Y
054 H000000 Y
054 I000000 Y
054 J000000 Y
054 K000000 Y
054 L000000 Y
054 M000000 Y
054 N000000 Y
054 O000000 Y
055 A000000 N
055 B000000 N
056 000000 Y
057 000000 N
058 A000000 Y
058 B000000 Y
058 C000000 N
058 D000000 N
058 E000000 N
059 000000 Y
060 A000000 Y
060 B000000 Y
061 000000 20
062 A000000 Y
062 B000000 0.0
062 C000000 0.0
062 D000000 0.5
062 E000000 0.0
062 F000000 0.0
062 G000000 0.0
062 H000000 0.0
062 I000000 0.0
062 J000000 0.0
062 K000000 0.0
062 L000000 0.0
062 M000000 14.6
062 N000000 9.3
062 O000000 0.0
062 P000000 75.0
062 Q000000 0.0
062 R000000 0.0
063 A000000 0
063 B000000 7.3
064 A000000 N
066 A000000 N
067 000000 N
068 A000000 N
068 B000000 N
069 000000 N
<PAGE> PAGE 7
070 A010000 Y
070 A020000 Y
070 B010000 N
070 B020000 N
070 C010000 N
070 C020000 N
070 D010000 N
070 D020000 N
070 E010000 Y
070 E020000 N
070 F010000 N
070 F020000 N
070 G010000 N
070 G020000 N
070 H010000 N
070 H020000 N
070 I010000 N
070 I020000 N
070 J010000 Y
070 J020000 N
070 K010000 N
070 K020000 N
070 L010000 Y
070 L020000 Y
070 M010000 N
070 M020000 N
070 N010000 Y
070 N020000 N
070 O010000 Y
070 O020000 N
070 P010000 N
070 P020000 N
070 Q010000 Y
070 Q020000 N
070 R010000 Y
070 R020000 N
071 A000000 300205
071 B000000 306785
071 C000000 170801
071 D000000 176
072 A000000 12
072 B000000 13160
072 C000000 0
072 D000000 0
072 E000000 0
072 F000000 576
072 G000000 0
072 H000000 0
072 I000000 0
072 J000000 0
072 K000000 0
<PAGE> PAGE 8
072 L000000 0
072 M000000 0
072 N000000 0
072 O000000 0
072 P000000 0
072 Q000000 0
072 R000000 0
072 S000000 0
072 T000000 0
072 U000000 0
072 V000000 0
072 W000000 2103
072 X000000 2679
072 Y000000 0
072 Z000000 10481
072AA000000 1066
072BB000000 0
072CC010000 0
072CC020000 5889
072DD010000 0
072DD020000 0
072EE000000 0
073 A010000 0.0000
073 A020000 0.0000
073 B000000 0.0000
073 C000000 0.0000
074 A000000 0
074 B000000 834
074 C000000 0
074 D000000 168269
074 E000000 0
074 F000000 0
074 G000000 0
074 H000000 0
074 I000000 0
074 J000000 0
074 K000000 0
074 L000000 1359
074 M000000 0
074 N000000 170462
074 O000000 0
074 P000000 213
074 Q000000 0
074 R010000 0
074 R020000 0
074 R030000 0
074 R040000 41
074 S000000 0
074 T000000 170208
074 U010000 33353
074 U020000 0
<PAGE> PAGE 9
074 V010000 5.11
074 V020000 0.00
074 W000000 0.0000
074 X000000 7818
074 Y000000 0
075 A000000 0
075 B000000 176731
076 000000 0.00
077 A000000 Y
077 B000000 Y
077 C000000 N
077 D000000 N
077 E000000 N
077 F000000 N
077 G000000 N
077 H000000 N
077 I000000 N
077 J000000 N
077 K000000 N
077 L000000 N
077 M000000 N
077 N000000 N
077 O000000 N
077 P000000 N
077 Q010000 Y
077 Q020000 N
077 Q030000 N
078 000000 N
080 A000000 NATIONAL UNION FIRE INSURANCE COMPANY
080 C000000 12500
081 A000000 Y
081 B000000 23
082 A000000 Y
082 B000000 0
083 A000000 N
083 B000000 0
084 A000000 N
084 B000000 0
085 A000000 Y
085 B000000 N
086 A010000 0
086 A020000 0
086 B010000 0
086 B020000 0
086 C010000 0
086 C020000 0
086 D010000 0
086 D020000 0
086 E010000 0
086 E020000 0
086 F010000 0
<PAGE> PAGE 10
086 F020000 0
SIGNATURE IAN STUART
TITLE CFO, LIFE & ANNUITY
<TABLE> <S> <C>
<ARTICLE> 6
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> DEC-31-1996
<PERIOD-START> JAN-01-1996
<PERIOD-END> DEC-31-1996
<INVESTMENTS-AT-COST> 168,903,822
<INVESTMENTS-AT-VALUE> 169,102,897
<RECEIVABLES> 1,357,701
<ASSETS-OTHER> 1,519
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 170,462,117
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 253,765
<TOTAL-LIABILITIES> 253,765
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 0
<SHARES-COMMON-STOCK> 33,353,307
<SHARES-COMMON-PRIOR> 36,391,342
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 170,208,352
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 13,160,431
<OTHER-INCOME> 0
<EXPENSES-NET> 2,679,645
<NET-INVESTMENT-INCOME> 10,480,786
<REALIZED-GAINS-CURRENT> 1,065,626
<APPREC-INCREASE-CURRENT> (5,888,598)
<NET-CHANGE-FROM-OPS> 5,657,814
<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> (9,393,198)
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 576,329
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 2,679,645
<AVERAGE-NET-ASSETS> 176,731,314
<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
<AVG-DEBT-OUTSTANDING> 0
<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, 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 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 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, 1996.
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 12, 1997
