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<PAGE> PAGE 2
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014 A000005 TOWER SQUARE SECURITIES, INC.
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SIGNATURE JAY S. FISHMAN
TITLE CFO
<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> 335,934,204
<INVESTMENTS-AT-VALUE> 420,557,596
<RECEIVABLES> 5,626,615
<ASSETS-OTHER> 20,396
<OTHER-ITEMS-ASSETS> 425,287
<TOTAL-ASSETS> 426,629,894
<PAYABLE-FOR-SECURITIES> 3,049,304
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 470,337
<TOTAL-LIABILITIES> 3,519,641
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 0
<SHARES-COMMON-STOCK> 44,584,650
<SHARES-COMMON-PRIOR> 46,249,287
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 423,110,253
<DIVIDEND-INCOME> 8,691,154
<INTEREST-INCOME> 639,038
<OTHER-INCOME> 0
<EXPENSES-NET> 6,024,933
<NET-INVESTMENT-INCOME> 3,305,259
<REALIZED-GAINS-CURRENT> 37,951,859
<APPREC-INCREASE-CURRENT> 71,724,212
<NET-CHANGE-FROM-OPS> 112,981,330
<EQUALIZATION> 0
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<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 0
<NUMBER-OF-SHARES-REDEEMED> 0
<SHARES-REINVESTED> 0
<NET-CHANGE-IN-ASSETS> 99,257,747
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 1,700,124
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</TABLE>
REPORT OF INDEPENDENT ACCOUNTANTS
To the Board of Managers and Owners of Variable
Annuity Contracts of The Travelers Growth and Income Stock
Account for Variable Annuities:
In planning and performing our audit of the financial statements and per
unit data of The Travelers Growth and Income Stock 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 Growth and Income Stock 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 Growth and Income Stock Account for Variable
Annuities and the Securities and Exchange Commission.
COOPERS & LYBRAND L.L.P.
Hartford, Connecticut
February 16, 1996
