<PAGE> PAGE 1
000 B000000 12/31/1999
000 C000000 0000099444
000 D000000 N
000 E000000 NF
000 F000000 Y
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000 I000000 6.1
000 J000000 A
001 A000000 THE TRAVELERS GROWTH AND INCOME STOCK ACCOUNT
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001 C000000 8602774519
002 A000000 ONE TOWER SQUARE
002 B000000 HARTFORD
002 C000000 CT
002 D010000 06183
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004 000000 N
005 000000 N
006 000000 N
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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
008 A000001 TRAVELERS ASSET MANAGEMENT INTERNATIONAL CORP
008 B000001 A
008 C000001 801-17003
008 D010001 HARTFORD
008 D020001 CT
008 D030001 06183
008 A000002 THE TRAVELERS INVESTMENT MANAGEMENT COMPANY
008 B000002 S
008 C000002 801-07212
008 D010002 HARTFORD
008 D020002 CT
008 D030002 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
<PAGE> PAGE 2
011 C010001 HARTFORD
011 C020001 CT
011 C030001 06183
013 A000001 KPMG LLP
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 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 8-00000
014 A000009 CITICORP FINANCIAL SERVICES CORPORATION
014 B000009 8-00000
014 A000010 CITICORP INVESTMENT SERVICES
014 B000010 8-00000
014 A000011 CITICORP SECURITIES, INC.
014 B000011 8-0000
014 A000012 SALOMON REINVESTMENT COMPANY INC.
014 B000012 8-0000
014 A000013 SALOMON SMITH BARNEY INC.
014 B000013 8-0000
014 A000014 SMITH BARNEY PUERTO RICO INC.
014 B000014 8-0000
014 A000015 TRIBECA INVESTMENTS, L.L.C.
014 B000015 8-0000
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
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020 C000001 301
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<PAGE> PAGE 3
020 C000002 161
020 A000003 GLAZER, C.L.
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020 A000004 STANDARD & POORS
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020 A000005 AUTRANET
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020 A000010 SALOMON SMITH BARNEY
020 C000010 26
021 000000 971
022 A000001 HOUSEHOLD FINANCE
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022 D000001 8992
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022 C000002 19771
022 D000002 292631
022 A000003 FACTSET VIA BEARSTEARNS
022 C000003 87595
022 D000003 34008
022 A000004 GENERAL ELECTRIC CAPITAL CORP
022 C000004 94923
022 D000004 12991
022 A000005 GOLDMAN,SACHS & CO.
022 C000005 79325
022 D000005 15883
022 A000006 STANDARD & POORS
022 C000006 22765
022 D000006 43736
022 A000007 CHASE SECURITIES INC.
022 C000007 48295
022 D000007 10280
022 A000008 FORD FINANCIAL SVCS
022 C000008 42946
022 D000008 9980
022 A000009 AUTRANET INC.
022 C000009 39533
022 D000009 8740
022 A000010 C.L. GLAZER & CO.
022 C000010 22465
022 D000010 18131
023 C000000 1603006
023 D000000 565745
024 000000 N
<PAGE> PAGE 4
025 D000001 0
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026 H000000 N
027 000000 Y
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<PAGE> PAGE 5
031 A000000 0
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<PAGE> PAGE 6
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<PAGE> PAGE 7
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<PAGE> PAGE 8
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<PAGE> PAGE 9
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<PAGE> PAGE 10
086 A020000 0
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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> 747,130,849
<INVESTMENTS-AT-VALUE> 1,076,626,784
<RECEIVABLES> 1,388,365
<ASSETS-OTHER> 67,941
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 1,078,083,090
<PAYABLE-FOR-SECURITIES> 1,905,493
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 2,119,749
<TOTAL-LIABILITIES> 4,025,242
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 0
<SHARES-COMMON-STOCK> 45,294,221
<SHARES-COMMON-PRIOR> 45,945,082
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 1,074,057,848
<DIVIDEND-INCOME> 11,327,579
<INTEREST-INCOME> 640,493
<OTHER-INCOME> 0
<EXPENSES-NET> 17,260,157
<NET-INVESTMENT-INCOME> (5,292,085)
<REALIZED-GAINS-CURRENT> 183,428,890
<APPREC-INCREASE-CURRENT> 16,046,336
<NET-CHANGE-FROM-OPS> 194,183,141
<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> 178,981,826
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 5,840,016
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 17,260,157
<AVERAGE-NET-ASSETS> 0
<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> 1.85
</TABLE>
Independent Auditors' Report
To the Board of Managers and the 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
of The Travelers Growth and Income Stock 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 Growth and Income Stock 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 Growth and
Income Stock 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
