04-20-1998   17:17:19   RATE of RETURN - Daily Valuation
Yearly                      1-01-84 to  1-01-89               Annual Compounding
                                                        Average   Total   Annual
  Date             Balance       Date            Balance   Ann% Return%     ROR%
S1T  Growth Stock Fund - Total
 1-01-84            18,625      1-01-85           15,000          -3.41    -3.40
 1-01-85            15,000      1-01-86           16,000          17.27    17.28
 1-01-84            18,625      1-01-86           16,000   6.94   13.27     6.42

 1-01-86            16,000      1-01-87           15,125          17.09    17.11
 1-01-84            18,625      1-01-87           15,125  10.33   32.63     9.86

 1-01-87            15,125      1-01-88           11,000         -11.60   -11.61
 1-01-84            18,625      1-01-88           11,000   4.84   17.24     4.06

 1-01-88            11,000      1-01-89           11,625          14.77    14.74
 1-01-84            18,625      1-01-89           11,625   6.82   34.56     6.11