All in All, a Good Year for Many Fund Groups

                      TOTAL RETURN*
FINANCIAL                 42.84%
LARGE-CAP BLEND           24.85
LARGE-CAP VALUE           23.92
SMALL-CAP VALUE           23.91
LARGE-CAP GROWTH          23.29
UNALIGNED                 23.00
MID-CAP VALUE             22.70
COMMUNICATIONS            22.20
MID-CAP BLEND             21.22
SMALL-CAP BLEND           19.69
UTILITIES                 19.46
HEALTH                    17.74
REAL ESTATE               17.40
DOMESTIC HYBRID           16.23
EUROPE                    14.87
LATIN AMERICA             14.08
MID-CAP GROWTH            12.81%
SMALL-CAP GROWTH           8.72
WORLD                      7.96
INTERNATIONAL HYBRID       4.72
FOREIGN                    3.18
TECHNOLOGY                 2.29
NATURAL RESOURCES          0.72
DIVERS. EMERGING MKTS.    -8.37
JAPAN                    -13.82
DIVERS. PACIFIC/ASIA     -26.97
PACIFIC /ASIA EX JAPAN   -33.16
PRECIOUS METALS          -46.82
U.S. DIVERS. EQUITY FUNDS 20.64
ALL EQUITY FUNDS          14.28
S&P 500 INDEX             30.83

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

DATA: MORNINGSTAR INC.