Table:...But Mutual Fund Returns Are Mixed

                                   Total Return*
                                         1995     1994
         U.S. FUNDS
         GROWTH                          21.3%    20.9%
         MICRO CAP                       24.8     NA
         SMALL CAP                       29.4    -10.0
         EQUITY-INCOME                   24.0     NA
         U.S. DIVERSIFIED EQUITY FUNDS   27.1    -1.7
      
         INTERNATIONAL FUNDS
         EMERGING MARKETS               -5.8     -7.7
         GLOBAL COMMUNICATIONS           22.5    -13.4
         INSTIT. EMERGING MARKETS       -5.0     -9.3
         INTERNATIONAL SMALL CAP         9.3     -13.3
         GLOBAL OPPORTUNITY              13.7    -8.6
         INTERNATIONAL EQUITY FUNDS      7.7     -3.3
      
      *Appreciation plus reinvestment of dividends and capital gains, before taxes. 
      1995 returns through Sept. 29
      DATA: MORNINGSTAR INC.
      

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