The Best Returns

                                    TOTAL RETURN*
MUNDER MICRO-CAP STOCK B                64.39%
PILGRIM AMERICA BANK & THRIFT A         59.71
FIDELITY SELECT BROKERAGE & INV.        59.33
LEXINGTON TROIKA DIALOG RUSSIA          55.58
AMERICAN HERITAGE                       53.57
FBR SMALL CAP FINANCIAL                 50.77
HARTFORD CAP. APPRECIATION A            50.67
TITAN FINANCIAL SERVICES                49.96
JOHN HANCOCK REGIONAL BANK B            49.71
OAKMARK SELECT                          47.06
FIDELITY SELECT ENERGY SERVICE          46.74
MFS STRATEGIC GROWTH A                  46.48
SAFECO GROWTH NO LOAD                   45.08
FIDELITY SELECT REGIONAL BANKS          44.92
CENTURY SHARES                          44.60
MFS MASS. INVEST. GR. STK. A            44.25
FBR FINANCIAL SERVICES                  44.19
BRAZOS/JMIC SM. CAP GRWTH. SECS.        43.81
SIFE TRUST A-I                          43.45
SMITH BARNEY TELECOMM. INC.             43.14
FIDELITY SELECT RETAILING               42.84
GABELLI VALUE                           42.45
TRANSAMERICA PREMIER EQ. INV.           42.37
PIONEER GROWTH A                        41.76
INVESCO STRATEGIC FIN. SVCS.            41.75
DAVIS FINANCIAL A                       41.36%
FIDELITY SELECT HOME FINANCE            41.34
DELAWARE AGGRESSIVE GROWTH A            41.22
TEXAS CAPITAL VALUE & GROWTH            40.87
ENTERPRISE SMALL CO. VALUE A            40.59
FIDELITY SELECT FINANCIAL SVCS.         39.79
PAINEWEBBER FIN. SVCS. GR. A            39.69
SEQUOIA                                 39.56
RYDEX NOVA                              39.42
HUDSON CAPITAL APPRECIATION A           39.21
JANUS SPECIAL SITUATIONS                39.20
T. ROWE PRICE FINANCIAL SVCS.           38.90
GABELLI GROWTH                          38.53
STRATTON SMALL-CAP YIELD                38.44
KEELEY SMALL CAP VALUE                  38.06
HERITAGE CAP. APPRECIATION A            37.83
FBR SMALL CAP GROWTH/VALUE              37.83
FIDELITY ADVISOR FIN. SVC. T            37.75
FAM VALUE                               37.50
BRIDGEWAY ULTRA-SMALL CO.               37.32
FIDELITY SELECT INSURANCE               37.06
GAMERICA CAPITAL A                      36.83
U.S. GLOBAL LEADERS GROWTH              36.69
NATIONWIDE                              36.40
FIDELITY SELECT LEISURE                 36.35

*Appreciation plus reinvestment of dividends and capital gains before taxes, 
Jan. 1 through Dec. 12, 1997

DATA: MORNINGSTAR INC.