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000 B000000 12/31/1999
000 C000000 0000099440
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000 F000000 Y
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000 J000000 A
001 A000000 THE TRAVELERS QUALITY BOND ACCOUNT
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002 A000000 ONE TOWER SQUARE
002 B000000 HARTFORD
002 C000000 CT
002 D010000 06183
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007 C010900 9
007 C011000 10
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
010 C020001 CT
010 C030001 06183
011 A000001 CFBDS, INC.
011 B000001 8-32417
011 C010001 HARTFORD
011 C020001 CT
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013 A000001 KPMG LLP
013 B010001 HARTFORD
013 B020001 CT
<PAGE> PAGE 2
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, LLC
014 B000003 8-27190
014 A000004 TOWER SQUARE SECURITIES, INC.
014 B000004 8-13752
014 A000005 COPELAND EQUITIES, INC.
014 B000005 8-21009
014 A000006 SMITH ANNUITY SERVICES, INC
014 B000006 8-14495
014 A000007 TRAVELERS DISTRIBUTION COMPANY
014 B000007 8-50244
014 A000008 CITICORP SECURITIES SERVICES, INC
014 B000008 8-0000
014 A000009 CITICORP FINANCIAL SERVICES CORPORATION
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014 A000010 CITICORP INVESTMENT SERVICES
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014 A000011 CITICORP SECURITIES, INC
014 B000011 8-0000
014 A000012 SALOMON REINVESTMENT COMPANY
014 B000012 8-0000
014 A000013 SALOMON SMITH BARNEY INC.
014 B000013 8-0000
014 A000014 SMITH BARNEY PUERTO RICO INC.
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014 A000015 TRIBECA INVESTMENTS, L.L.C.
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015 B000001 C
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015 C020001 NY
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<PAGE> PAGE 3
020 C000010 0
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022 A000002 DONALDSON LUFKIN & JENNRETTE
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022 A000010 FORD FINANCIAL SVCS
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<PAGE> PAGE 4
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<PAGE> PAGE 5
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<PAGE> PAGE 6
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SIGNATURE JAY BENET
TITLE CFO, LIFE & ANNUITY
<TABLE> <S> <C>
<ARTICLE> 6
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-01-1999
<PERIOD-END> DEC-31-1999
<INVESTMENTS-AT-COST> 139,481,975
<INVESTMENTS-AT-VALUE> 136,287,761
<RECEIVABLES> 2,673,127
<ASSETS-OTHER> 1,842
<OTHER-ITEMS-ASSETS> 203,921
<TOTAL-ASSETS> 139,166,651
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 300,327
<TOTAL-LIABILITIES> 300,327
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 0
<SHARES-COMMON-STOCK> 23,636,568
<SHARES-COMMON-PRIOR> 28,130,726
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 138,866,324
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 9,993,418
<OTHER-INCOME> 0
<EXPENSES-NET> 2,310,882
<NET-INVESTMENT-INCOME> 7,682,536
<REALIZED-GAINS-CURRENT> (3,264,548)
<APPREC-INCREASE-CURRENT> (3,187,953)
<NET-CHANGE-FROM-OPS> 1,230,035
<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> (24,886,388)
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 495,204
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 2,310,882
<AVERAGE-NET-ASSETS> 152,943,337
<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
</TABLE>
Independent Auditors' Report
To the Board of Managers and the Owners of Variable Annuity
Contracts of
The Travelers Quality Bond Account for Variable Annuities:
In planning and performing our audit of the financial statements
of The Travelers Quality Bond Account for Variable Annuities for
the year ended December 31, 1999, we considered its internal
control, including control activities for safeguarding
securities, in order to determine our auditing procedures for the
purpose of expressing our opinion on the financial statements and
to comply with the requirements of Form N-SAR, not to provide
assurance on internal control.
The management of The Travelers Quality Bond Account for Variable
Annuities is responsible for establishing and maintaining
internal control. In fulfilling this responsibility, estimates
and judgments by management are required to assess the expected
benefits and related costs of controls. Generally, controls that
are relevant to an audit pertain to the entity's objective of
preparing financial statements for external purposes that are
fairly presented in conformity with generally accepted accounting
principles. Those controls include the safeguarding of assets
against unauthorized acquisition, use or disposition.
Because of inherent limitations in internal control, error or
fraud may occur and not be detected. Also, projection of any
evaluation of internal control 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 internal control would not necessarily
disclose all matters in internal control 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 one or more of the
internal control components does not reduce to a relatively low
level the risk that misstatements caused by error or fraud in
amounts that would be material in relation to the financial
statements 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
internal control and its operation, including controls for
safeguarding securities, that we consider to be material
weaknesses as defined above as of December 31, 1999.
This report is intended solely for the information and use of
management, the Board of Managers of The Travelers Quality Bond
Account for Variable Annuities, and the Securities and Exchange
Commission, and is not intended to be and should not be used by
anyone other than these specified parties.
/s/KPMG LLP
Hartford, Connecticut
February 18, 2000
