My information is that 95-98 had rear discs when you had ABS. I think this comes from the Saturn review in "The Cincinnati Enquirer" in 1999 (I may still have that review clipped and lying around the house somewhere). The other forum, saturnfans, that is still down as of this post, suggested that the 1995 station wagons with ABS had rear drums.

All others were rear drums, period. Of course I could be wrong.

 

You could be