TABLE OF CONTENTS                                                            
CITY                                                                                                
                                                                                                    
ALPINE UT                                                                  
AMERICAN FORK UT                                                    
BEAVER UT                                                                  
BLANDING UT                                                              
BLUFFDALE UT                                                            
BOUNTIFUL UT                                                            
BRIGHAM CITY UT                                                      
CEDAR CITY UT                                                          
CEDAR HILLS UT                                                        
CENTERVILLE UT                                                        
CLEARFIELD UT                                                          
CLINTON UT                                                                
COALVILLE UT                                                            
DELTA UT                                                                    
DRAPER UT                                                                  
DUCHESNE UT                                                              
EAGLE MOUNTAIN UT                                                  
EDEN UT                                                                      
EPHRAIM UT                                                                
FAIRVIEW UT                                                              
FARMINGTON UT                                                          
FARR WEST UT                                                            
FILLMORE UT                                                              
FRUIT HEIGHTS UT                                                    
GARLAND UT                                                                
GRANTSVILLE                                                              
HEBER CITY UT                                                          
HELPER UT                                                                  
HERRIMAN UT                                                              
HIGHLAND UT                                                              
HILL AFB UT                                                              
HOLLADAY UT                                                              
HOOPER UT                                                                  
HUNTINGTON UT                                                          
HUNTSVILLE UT                                                          
HURRICANE UT                                                            
HYDE PARK UT                                                            
HYRUM UT                                                                    
IVINS UT                                                                    
KAMAS UT                                                                    
KANAB UT                                                                    
KAYSVILLE UT                                                            
KEARNS UT                                                                  
LAVERKIN UT                                                              
LAYTON UT                                                                  
LEHI UT                                                                      
LINDON UT                                                                  
LOGAN UT                                                                    
MAGNA UT                                                                    
MANTI UT                                                                    
MAPLETON UT                                                              
MIDVALE UT                                                                
MIDWAY UT                                                                  
MOAB UT                                                                      
MONROE UT                                                                  
MONTICELLO UT                                                          
MORGAN UT                                                                  
MOUNT PLEASANT UT                                                  
MURRAY UT                                                                  
NEPHI UT                                                                    
NORTH LOGAN UT                                                        
NORTH OGDEN UT                                                        
NORTH SALT LAKE UT                                                
OGDEN UT                                                                    
OREM UT                                                                      
OTHER TOWNS                                                              
PANGIUTCH UT                                                            
PARK CITY UT                                                            
PAROWAN UT                                                                
PAYSON UT                                                                  
PERRY UT                                                                    
PLAIN CITY UT                                                          
PLEASANT GROVE UT                                                  
PLEASANT VIEW UT                                                    
PRICE UT                                                                    
PROVIDENCE UT                                                          
PROVO UT                                                                    
RICHFIELD UT                                                            
RICHMOND UT                                                              
RIVERDALE UT                                                            
RIVERTON UT                                                              
ROOSEVELT UT                                                            
ROY UT                                                                        
SALEM UT                                                                    
SALINA UT                                                                  
SALT LAKE CITY UT                                                  
SANDY UT                                                                    
SANTA CLARA UT                                                        
SANTAQUIN UT                                                            
SMITHFIELD UT                                                          
SOUTH JORDAN UT                                                      
SOUTH SALT LAKE UT                                                
SOUTH WEBER UT                                                        
SPANISH FORK UT                                                      
SPRINGVILLE UT                                                        
ST GEORGE UT                                                            
STANSBURY PARK UT                                                  
SUNSET UT                                                                  
SYRACUSE UT                                                              
TAYLORSVILLE UT                                                      
TOOELE UT                                                                  
TREMONTON UT                                                            
VERNAL UT                                                                  
WASHINGTON UT                                                          
WELLSVILLE UT                                                          
WENDOVER UT                                                              
WEST BOUNTIFUL UT                                                  
WEST JORDAN UT                                                        
WEST POINT UT                                                          
WEST VALLEY UT                                                        
WILLARD UT                                                                
WOODS CROSS UT                                                        
                                                                            
                                                                                                    
****************************SUMMARY OF 2000 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TABLE OF CONTENTS                                                                       
                                   ALPINE UT                                                        
                        _________________________________________________                           
  UNDER $1               28    $-1,444,784            $0      0.00          73                      
  $     1  -  5000      450     $1,158,246       $19,380      1.67          97                      
  $  5001 -  10000      295     $2,150,919      $111,105      5.17         156                      
  $ 10001 -  15000      172     $2,134,730      $106,942      5.01         203                      
  $ 15001 -  20000      136     $2,356,027      $122,830      5.21         224                      
  $ 20001 -  25000      103     $2,303,903      $127,435      5.53         226                      
  $ 25001 -  30000       80     $2,220,561      $123,698      5.57         202                      
  $ 30001 -  35000       63     $2,034,953      $120,702      5.93         152                      
  $ 35001 -  40000       80     $2,997,584      $180,645      6.03         249                      
  $ 40001 -  45000       64     $2,703,271      $158,117      5.85         217                      
  $ 45001 -  50000       69     $3,280,338      $221,793      6.76         225                      
  $ 50001 -  75000      317    $19,770,760    $1,280,163      6.48       1,282                      
  $ 75001 - 100000      239    $20,710,365    $1,734,909      8.38       1,081                      
  $100001 - 250000      403    $59,697,229    $8,627,029     14.45       1,949                      
  OVER $250,000         114   $122,566,447   $35,117,685     28.65         502                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,613    $244,640,549   $48,052,433     19.64        6,838                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -0.6           0.0                    1.1                     
  $     1  -  5000    17.2             0.5           0.0                    1.4                     
  $  5001 -  10000    11.3             0.9           0.2                    2.3                     
  $ 10001 -  15000     6.6             0.9           0.2                    3.0                     
  $ 15001 -  20000     5.2             1.0           0.3                    3.3                     
  $ 20001 -  25000     3.9             0.9           0.3                    3.3                     
  $ 25001 -  30000     3.1             0.9           0.3                    3.0                     
  $ 30001 -  35000     2.4             0.8           0.3                    2.2                     
  $ 35001 -  40000     3.1             1.2           0.4                    3.6                     
  $ 40001 -  45000     2.4             1.1           0.3                    3.2                     
  $ 45001 -  50000     2.6             1.3           0.5                    3.3                     
  $ 50001 -  75000    12.1             8.1           2.7                   18.7                     
  $ 75001 - 100000     9.1             8.5           3.6                   15.8                     
  $100001 - 250000    15.4            24.4          18.0                   28.5                     
  OVER $250,000        4.4            50.1          73.1                    7.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-51,599            $0                   2.61                     
  $     1  -  5000                  $2,574           $43                   0.22                     
  $  5001 -  10000                  $7,291          $377                   0.53                     
  $ 10001 -  15000                 $12,411          $622                   1.18                     
  $ 15001 -  20000                 $17,324          $903                   1.65                     
  $ 20001 -  25000                 $22,368        $1,237                   2.19                     
  $ 25001 -  30000                 $27,757        $1,546                   2.53                     
  $ 30001 -  35000                 $32,301        $1,916                   2.41                     
  $ 35001 -  40000                 $37,470        $2,258                   3.11                     
  $ 40001 -  45000                 $42,239        $2,471                   3.39                     
  $ 45001 -  50000                 $47,541        $3,214                   3.26                     
  $ 50001 -  75000                 $62,368        $4,038                   4.04                     
  $ 75001 - 100000                 $86,654        $7,259                   4.52                     
  $100001 - 250000                $148,132       $21,407                   4.84                     
  OVER $250,000                   $1075144      $308,050                   4.40                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $93,624       $18,390                   2.62                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                     
                                                                                                    
****************************SUMMARY OF 2000 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TABLE OF CONTENTS                                                                       
                                   AMERICAN FORK UT                                                 
                        _________________________________________________                           
  UNDER $1               45    $-2,570,150          $872     -0.03          86                      
  $     1  -  5000      953     $2,608,352       $25,602      0.98         363                      
  $  5001 -  10000      821     $6,171,760      $186,556      3.02         733                      
  $ 10001 -  15000      750     $9,318,918      $370,077      3.97       1,099                      
  $ 15001 -  20000      691    $12,090,029      $597,290      4.94       1,206                      
  $ 20001 -  25000      594    $13,327,177      $784,689      5.89       1,187                      
  $ 25001 -  30000      525    $14,396,172      $879,571      6.11       1,250                      
  $ 30001 -  35000      458    $14,905,247      $869,954      5.84       1,307                      
  $ 35001 -  40000      434    $16,251,071      $999,995      6.15       1,334                      
  $ 40001 -  45000      446    $18,949,718    $1,218,297      6.43       1,501                      
  $ 45001 -  50000      380    $18,037,175    $1,201,072      6.66       1,341                      
  $ 50001 -  75000    1,495    $91,356,335    $6,797,369      7.44       5,741                      
  $ 75001 - 100000      630    $53,764,917    $5,349,186      9.95       2,608                      
  $100001 - 250000      423    $55,711,236    $8,257,578     14.82       1,766                      
  OVER $250,000          50    $19,094,520    $4,860,184     25.45         196                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,695    $343,412,477   $32,398,292      9.43       21,718                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.5            -0.7           0.0                    0.4                     
  $     1  -  5000    11.0             0.8           0.1                    1.7                     
  $  5001 -  10000     9.4             1.8           0.6                    3.4                     
  $ 10001 -  15000     8.6             2.7           1.1                    5.1                     
  $ 15001 -  20000     7.9             3.5           1.8                    5.6                     
  $ 20001 -  25000     6.8             3.9           2.4                    5.5                     
  $ 25001 -  30000     6.0             4.2           2.7                    5.8                     
  $ 30001 -  35000     5.3             4.3           2.7                    6.0                     
  $ 35001 -  40000     5.0             4.7           3.1                    6.1                     
  $ 40001 -  45000     5.1             5.5           3.8                    6.9                     
  $ 45001 -  50000     4.4             5.3           3.7                    6.2                     
  $ 50001 -  75000    17.2            26.6          21.0                   26.4                     
  $ 75001 - 100000     7.2            15.7          16.5                   12.0                     
  $100001 - 250000     4.9            16.2          25.5                    8.1                     
  OVER $250,000        0.6             5.6          15.0                    0.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-57,114           $19                   1.91                     
  $     1  -  5000                  $2,737           $27                   0.38                     
  $  5001 -  10000                  $7,517          $227                   0.89                     
  $ 10001 -  15000                 $12,425          $493                   1.47                     
  $ 15001 -  20000                 $17,496          $864                   1.75                     
  $ 20001 -  25000                 $22,436        $1,321                   2.00                     
  $ 25001 -  30000                 $27,421        $1,675                   2.38                     
  $ 30001 -  35000                 $32,544        $1,899                   2.85                     
  $ 35001 -  40000                 $37,445        $2,304                   3.07                     
  $ 40001 -  45000                 $42,488        $2,732                   3.37                     
  $ 45001 -  50000                 $47,466        $3,161                   3.53                     
  $ 50001 -  75000                 $61,108        $4,547                   3.84                     
  $ 75001 - 100000                 $85,341        $8,491                   4.14                     
  $100001 - 250000                $131,705       $19,521                   4.17                     
  OVER $250,000                   $381,890       $97,204                   3.92                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,495        $3,726                   2.50                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2000 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TABLE OF CONTENTS                                                                       
                                   BEAVER UT                                                        
                        _________________________________________________                           
  UNDER $1               20      $-995,410           $44     -0.00          44                      
  $     1  -  5000      148       $435,015          $704      0.16          75                      
  $  5001 -  10000      166     $1,259,528       $30,544      2.43         185                      
  $ 10001 -  15000      158     $1,955,875       $72,786      3.72         263                      
  $ 15001 -  20000      119     $2,067,858       $83,175      4.02         235                      
  $ 20001 -  25000      100     $2,256,540      $134,269      5.95         208                      
  $ 25001 -  30000       97     $2,663,796      $116,366      4.37         293                      
  $ 30001 -  35000       78     $2,528,344      $147,307      5.83         230                      
  $ 35001 -  40000       65     $2,427,005      $149,167      6.15         222                      
  $ 40001 -  45000       57     $2,426,155      $167,262      6.89         198                      
  $ 45001 -  50000       48     $2,277,147      $164,490      7.22         166                      
  $ 50001 -  75000      150     $9,169,354      $798,267      8.71         534                      
  $ 75001 - 100000       52     $4,417,254      $515,182     11.66         186                      
  OVER $100,000          20     $3,253,323      $554,636     17.05          66                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,278     $36,141,784    $2,934,199      8.12        2,905                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.6            -2.8           0.0                    1.5                     
  $     1  -  5000    11.6             1.2           0.0                    2.6                     
  $  5001 -  10000    13.0             3.5           1.0                    6.4                     
  $ 10001 -  15000    12.4             5.4           2.5                    9.1                     
  $ 15001 -  20000     9.3             5.7           2.8                    8.1                     
  $ 20001 -  25000     7.8             6.2           4.6                    7.2                     
  $ 25001 -  30000     7.6             7.4           4.0                   10.1                     
  $ 30001 -  35000     6.1             7.0           5.0                    7.9                     
  $ 35001 -  40000     5.1             6.7           5.1                    7.6                     
  $ 40001 -  45000     4.5             6.7           5.7                    6.8                     
  $ 45001 -  50000     3.8             6.3           5.6                    5.7                     
  $ 50001 -  75000    11.7            25.4          27.2                   18.4                     
  $ 75001 - 100000     4.1            12.2          17.6                    6.4                     
  OVER $100,000        1.6             9.0          18.9                    2.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-49,771            $2                   2.20                     
  $     1  -  5000                  $2,939            $5                   0.51                     
  $  5001 -  10000                  $7,588          $184                   1.11                     
  $ 10001 -  15000                 $12,379          $461                   1.66                     
  $ 15001 -  20000                 $17,377          $699                   1.97                     
  $ 20001 -  25000                 $22,565        $1,343                   2.08                     
  $ 25001 -  30000                 $27,462        $1,200                   3.02                     
  $ 30001 -  35000                 $32,415        $1,889                   2.95                     
  $ 35001 -  40000                 $37,339        $2,295                   3.42                     
  $ 40001 -  45000                 $42,564        $2,934                   3.47                     
  $ 45001 -  50000                 $47,441        $3,427                   3.46                     
  $ 50001 -  75000                 $61,129        $5,322                   3.56                     
  $ 75001 - 100000                 $84,947        $9,907                   3.58                     
  OVER $100,000                   $162,666       $27,732                   3.30                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $28,280        $2,296                   2.27                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2000 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TABLE OF CONTENTS                                                                       
                                   BLANDING UT                                                      
                        _________________________________________________                           
  UNDER $1               10      $-670,531            $0      0.00          22                      
  $     1  -  5000      208       $527,305        $2,920      0.55         120                      
  $  5001 -  10000      155     $1,147,772       $22,382      1.95         213                      
  $ 10001 -  15000      125     $1,589,502       $43,380      2.73         252                      
  $ 15001 -  20000       91     $1,571,580       $64,452      4.10         209                      
  $ 20001 -  25000       78     $1,741,080       $66,499      3.82         225                      
  $ 25001 -  30000       88     $2,410,097       $79,686      3.31         340                      
  $ 30001 -  35000       66     $2,158,868      $100,920      4.67         240                      
  $ 35001 -  40000       55     $2,055,011      $119,346      5.81         190                      
  $ 40001 -  45000       53     $2,245,963      $138,375      6.16         192                      
  $ 45001 -  50000       48     $2,277,675      $154,854      6.80         180                      
  $ 50001 -  75000      167    $10,102,757      $845,345      8.37         652                      
  $ 75001 - 100000       38     $3,296,790      $365,033     11.07         151                      
  OVER $100,000          35     $6,392,683    $1,345,465     21.05         112                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,217     $36,846,552    $3,348,657      9.09        3,098                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -1.8           0.0                    0.7                     
  $     1  -  5000    17.1             1.4           0.1                    3.9                     
  $  5001 -  10000    12.7             3.1           0.7                    6.9                     
  $ 10001 -  15000    10.3             4.3           1.3                    8.1                     
  $ 15001 -  20000     7.5             4.3           1.9                    6.7                     
  $ 20001 -  25000     6.4             4.7           2.0                    7.3                     
  $ 25001 -  30000     7.2             6.5           2.4                   11.0                     
  $ 30001 -  35000     5.4             5.9           3.0                    7.7                     
  $ 35001 -  40000     4.5             5.6           3.6                    6.1                     
  $ 40001 -  45000     4.4             6.1           4.1                    6.2                     
  $ 45001 -  50000     3.9             6.2           4.6                    5.8                     
  $ 50001 -  75000    13.7            27.4          25.2                   21.0                     
  $ 75001 - 100000     3.1             8.9          10.9                    4.9                     
  OVER $100,000        2.9            17.3          40.2                    3.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-67,053            $0                   2.20                     
  $     1  -  5000                  $2,535           $14                   0.58                     
  $  5001 -  10000                  $7,405          $144                   1.37                     
  $ 10001 -  15000                 $12,716          $347                   2.02                     
  $ 15001 -  20000                 $17,270          $708                   2.30                     
  $ 20001 -  25000                 $22,322          $853                   2.88                     
  $ 25001 -  30000                 $27,387          $906                   3.86                     
  $ 30001 -  35000                 $32,710        $1,529                   3.64                     
  $ 35001 -  40000                 $37,364        $2,170                   3.45                     
  $ 40001 -  45000                 $42,377        $2,611                   3.62                     
  $ 45001 -  50000                 $47,452        $3,226                   3.75                     
  $ 50001 -  75000                 $60,496        $5,062                   3.90                     
  $ 75001 - 100000                 $86,758        $9,606                   3.97                     
  OVER $100,000                   $182,648       $38,442                   3.20                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,277        $2,752                   2.55                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2000 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TABLE OF CONTENTS                                                                       
                                   BLUFFDALE UT                                                     
                        _________________________________________________                           
  UNDER $1               13      $-235,738            $0      0.00          37                      
  $     1  -  5000      239       $661,176        $5,041      0.76          84                      
  $  5001 -  10000      160     $1,209,189       $48,353      4.00         106                      
  $ 10001 -  15000      113     $1,411,593       $64,230      4.55         142                      
  $ 15001 -  20000       89     $1,541,432       $89,183      5.79         149                      
  $ 20001 -  25000       90     $1,987,295      $129,424      6.51         187                      
  $ 25001 -  30000       51     $1,404,695       $98,342      7.00         114                      
  $ 30001 -  35000       55     $1,802,544       $84,441      4.68         181                      
  $ 35001 -  40000       50     $1,888,734      $111,780      5.92         159                      
  $ 40001 -  45000       47     $1,990,880      $122,535      6.15         151                      
  $ 45001 -  50000       61     $2,925,866      $142,518      4.87         264                      
  $ 50001 -  75000      257    $16,050,645    $1,138,071      7.09       1,015                      
  $ 75001 - 100000      162    $13,979,398    $1,323,339      9.47         662                      
  $100001 - 250000      137    $18,438,772    $2,740,615     14.86         554                      
  OVER $250,000          17    $10,947,326    $2,481,106     22.66          65                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,541     $76,003,807    $8,578,978     11.29        3,870                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -0.3           0.0                    1.0                     
  $     1  -  5000    15.5             0.9           0.1                    2.2                     
  $  5001 -  10000    10.4             1.6           0.6                    2.7                     
  $ 10001 -  15000     7.3             1.9           0.7                    3.7                     
  $ 15001 -  20000     5.8             2.0           1.0                    3.9                     
  $ 20001 -  25000     5.8             2.6           1.5                    4.8                     
  $ 25001 -  30000     3.3             1.8           1.1                    2.9                     
  $ 30001 -  35000     3.6             2.4           1.0                    4.7                     
  $ 35001 -  40000     3.2             2.5           1.3                    4.1                     
  $ 40001 -  45000     3.0             2.6           1.4                    3.9                     
  $ 45001 -  50000     4.0             3.8           1.7                    6.8                     
  $ 50001 -  75000    16.7            21.1          13.3                   26.2                     
  $ 75001 - 100000    10.5            18.4          15.4                   17.1                     
  $100001 - 250000     8.9            24.3          31.9                   14.3                     
  OVER $250,000        1.1            14.4          28.9                    1.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-18,134            $0                   2.85                     
  $     1  -  5000                  $2,766           $21                   0.35                     
  $  5001 -  10000                  $7,557          $302                   0.66                     
  $ 10001 -  15000                 $12,492          $568                   1.26                     
  $ 15001 -  20000                 $17,319        $1,002                   1.67                     
  $ 20001 -  25000                 $22,081        $1,438                   2.08                     
  $ 25001 -  30000                 $27,543        $1,928                   2.24                     
  $ 30001 -  35000                 $32,774        $1,535                   3.29                     
  $ 35001 -  40000                 $37,775        $2,236                   3.18                     
  $ 40001 -  45000                 $42,359        $2,607                   3.21                     
  $ 45001 -  50000                 $47,965        $2,336                   4.33                     
  $ 50001 -  75000                 $62,454        $4,428                   3.95                     
  $ 75001 - 100000                 $86,293        $8,169                   4.09                     
  $100001 - 250000                $134,590       $20,004                   4.04                     
  OVER $250,000                   $643,960      $145,947                   3.82                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $49,321        $5,567                   2.51                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2000 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TABLE OF CONTENTS                                                                       
                                   BOUNTIFUL UT                                                     
                        _________________________________________________                           
  UNDER $1               82    $-4,233,305        $4,422     -0.10         173                      
  $     1  -  5000    2,246     $5,734,831       $62,632      1.09         714                      
  $  5001 -  10000    1,758    $12,998,171      $416,036      3.20       1,400                      
  $ 10001 -  15000    1,426    $17,717,810      $820,198      4.63       1,795                      
  $ 15001 -  20000    1,355    $23,710,876    $1,286,517      5.43       2,103                      
  $ 20001 -  25000    1,254    $28,103,388    $1,847,184      6.57       2,187                      
  $ 25001 -  30000    1,080    $29,642,677    $2,101,215      7.09       2,131                      
  $ 30001 -  35000    1,005    $32,698,520    $2,348,941      7.18       2,221                      
  $ 35001 -  40000      907    $33,931,804    $2,579,552      7.60       2,165                      
  $ 40001 -  45000      806    $34,194,247    $2,917,015      8.53       1,970                      
  $ 45001 -  50000      696    $33,045,897    $2,790,828      8.45       1,904                      
  $ 50001 -  75000    2,716   $167,041,351   $15,405,006      9.22       8,245                      
  $ 75001 - 100000    1,533   $131,841,965   $15,053,319     11.42       5,134                      
  $100001 - 250000    1,472   $206,619,105   $33,498,903     16.21       4,972                      
  OVER $250,000         301   $174,012,370   $45,551,444     26.18       1,003                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             18,637    $927,059,707  $126,683,212     13.67       38,117                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.5           0.0                    0.5                     
  $     1  -  5000    12.1             0.6           0.0                    1.9                     
  $  5001 -  10000     9.4             1.4           0.3                    3.7                     
  $ 10001 -  15000     7.7             1.9           0.6                    4.7                     
  $ 15001 -  20000     7.3             2.6           1.0                    5.5                     
  $ 20001 -  25000     6.7             3.0           1.5                    5.7                     
  $ 25001 -  30000     5.8             3.2           1.7                    5.6                     
  $ 30001 -  35000     5.4             3.5           1.9                    5.8                     
  $ 35001 -  40000     4.9             3.7           2.0                    5.7                     
  $ 40001 -  45000     4.3             3.7           2.3                    5.2                     
  $ 45001 -  50000     3.7             3.6           2.2                    5.0                     
  $ 50001 -  75000    14.6            18.0          12.2                   21.6                     
  $ 75001 - 100000     8.2            14.2          11.9                   13.5                     
  $100001 - 250000     7.9            22.3          26.4                   13.0                     
  OVER $250,000        1.6            18.8          36.0                    2.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-51,626           $54                   2.11                     
  $     1  -  5000                  $2,553           $28                   0.32                     
  $  5001 -  10000                  $7,394          $237                   0.80                     
  $ 10001 -  15000                 $12,425          $575                   1.26                     
  $ 15001 -  20000                 $17,499          $949                   1.55                     
  $ 20001 -  25000                 $22,411        $1,473                   1.74                     
  $ 25001 -  30000                 $27,447        $1,946                   1.97                     
  $ 30001 -  35000                 $32,536        $2,337                   2.21                     
  $ 35001 -  40000                 $37,411        $2,844                   2.39                     
  $ 40001 -  45000                 $42,425        $3,619                   2.44                     
  $ 45001 -  50000                 $47,480        $4,010                   2.74                     
  $ 50001 -  75000                 $61,503        $5,672                   3.04                     
  $ 75001 - 100000                 $86,003        $9,820                   3.35                     
  $100001 - 250000                $140,366       $22,757                   3.38                     
  OVER $250,000                   $578,114      $151,334                   3.33                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $49,743        $6,797                   2.05                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                      
                                                                                                    
****************************SUMMARY OF 2000 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TABLE OF CONTENTS                                                                       
                                   BRIGHAM CITY UT                                                  
                        _________________________________________________                           
  UNDER $1               29      $-755,030          $618     -0.08          56                      
  $     1  -  5000      946     $2,579,121       $14,420      0.56         390                      
  $  5001 -  10000      724     $5,350,613      $141,254      2.64         656                      
  $ 10001 -  15000      625     $7,779,811      $306,227      3.94         953                      
  $ 15001 -  20000      580    $10,093,713      $501,812      4.97       1,029                      
  $ 20001 -  25000      569    $12,749,571      $728,144      5.71       1,214                      
  $ 25001 -  30000      513    $14,110,040      $949,117      6.73       1,117                      
  $ 30001 -  35000      522    $16,889,076    $1,176,777      6.97       1,282                      
  $ 35001 -  40000      431    $16,197,838    $1,191,710      7.36       1,205                      
  $ 40001 -  45000      350    $14,894,830    $1,085,497      7.29       1,127                      
  $ 45001 -  50000      318    $15,087,808    $1,140,045      7.56       1,068                      
  $ 50001 -  75000    1,302    $79,638,113    $6,981,381      8.77       4,629                      
  $ 75001 - 100000      487    $41,267,928    $4,720,856     11.44       1,835                      
  $100001 - 250000      228    $30,647,585    $5,099,361     16.64         728                      
  OVER $250,000          25    $13,576,082    $3,843,407     28.31          68                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              7,649    $280,107,099   $27,880,626      9.95       17,357                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.3           0.0                    0.3                     
  $     1  -  5000    12.4             0.9           0.1                    2.2                     
  $  5001 -  10000     9.5             1.9           0.5                    3.8                     
  $ 10001 -  15000     8.2             2.8           1.1                    5.5                     
  $ 15001 -  20000     7.6             3.6           1.8                    5.9                     
  $ 20001 -  25000     7.4             4.6           2.6                    7.0                     
  $ 25001 -  30000     6.7             5.0           3.4                    6.4                     
  $ 30001 -  35000     6.8             6.0           4.2                    7.4                     
  $ 35001 -  40000     5.6             5.8           4.3                    6.9                     
  $ 40001 -  45000     4.6             5.3           3.9                    6.5                     
  $ 45001 -  50000     4.2             5.4           4.1                    6.2                     
  $ 50001 -  75000    17.0            28.4          25.0                   26.7                     
  $ 75001 - 100000     6.4            14.7          16.9                   10.6                     
  $100001 - 250000     3.0            10.9          18.3                    4.2                     
  OVER $250,000        0.3             4.8          13.8                    0.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-26,036           $21                   1.93                     
  $     1  -  5000                  $2,726           $15                   0.41                     
  $  5001 -  10000                  $7,390          $195                   0.91                     
  $ 10001 -  15000                 $12,448          $490                   1.52                     
  $ 15001 -  20000                 $17,403          $865                   1.77                     
  $ 20001 -  25000                 $22,407        $1,280                   2.13                     
  $ 25001 -  30000                 $27,505        $1,850                   2.18                     
  $ 30001 -  35000                 $32,355        $2,254                   2.46                     
  $ 35001 -  40000                 $37,582        $2,765                   2.80                     
  $ 40001 -  45000                 $42,557        $3,101                   3.22                     
  $ 45001 -  50000                 $47,446        $3,585                   3.36                     
  $ 50001 -  75000                 $61,166        $5,362                   3.56                     
  $ 75001 - 100000                 $84,739        $9,694                   3.77                     
  $100001 - 250000                $134,419       $22,366                   3.19                     
  OVER $250,000                   $543,043      $153,736                   2.72                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $36,620        $3,645                   2.27                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2000 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TABLE OF CONTENTS                                                                       
                                   CEDAR CITY UT                                                    
                        _________________________________________________                           
  UNDER $1               63    $-1,868,032          $666     -0.04         147                      
  $     1  -  5000    1,289     $3,500,008       $20,614      0.59         686                      
  $  5001 -  10000    1,369    $10,171,874      $231,684      2.28       1,689                      
  $ 10001 -  15000    1,089    $13,604,382      $452,696      3.33       1,915                      
  $ 15001 -  20000      949    $16,571,066      $695,282      4.20       1,981                      
  $ 20001 -  25000      764    $17,120,137      $817,318      4.77       1,799                      
  $ 25001 -  30000      614    $16,818,697      $866,966      5.15       1,661                      
  $ 30001 -  35000      518    $16,768,475      $987,970      5.89       1,505                      
  $ 35001 -  40000      485    $18,145,105    $1,139,459      6.28       1,492                      
  $ 40001 -  45000      399    $16,962,458    $1,240,973      7.32       1,221                      
  $ 45001 -  50000      348    $16,471,716    $1,210,791      7.35       1,178                      
  $ 50001 -  75000    1,153    $70,438,580    $6,168,664      8.76       3,869                      
  $ 75001 - 100000      432    $36,693,039    $4,326,729     11.79       1,434                      
  $100001 - 250000      231    $31,601,016    $5,252,695     16.62         837                      
  OVER $250,000          42    $18,528,674    $5,088,480     27.46         141                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              9,745    $301,527,195   $28,500,987      9.45       21,555                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.6            -0.6           0.0                    0.7                     
  $     1  -  5000    13.2             1.2           0.1                    3.2                     
  $  5001 -  10000    14.0             3.4           0.8                    7.8                     
  $ 10001 -  15000    11.2             4.5           1.6                    8.9                     
  $ 15001 -  20000     9.7             5.5           2.4                    9.2                     
  $ 20001 -  25000     7.8             5.7           2.9                    8.3                     
  $ 25001 -  30000     6.3             5.6           3.0                    7.7                     
  $ 30001 -  35000     5.3             5.6           3.5                    7.0                     
  $ 35001 -  40000     5.0             6.0           4.0                    6.9                     
  $ 40001 -  45000     4.1             5.6           4.4                    5.7                     
  $ 45001 -  50000     3.6             5.5           4.2                    5.5                     
  $ 50001 -  75000    11.8            23.4          21.6                   17.9                     
  $ 75001 - 100000     4.4            12.2          15.2                    6.7                     
  $100001 - 250000     2.4            10.5          18.4                    3.9                     
  OVER $250,000        0.4             6.1          17.9                    0.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-29,651           $11                   2.33                     
  $     1  -  5000                  $2,715           $16                   0.53                     
  $  5001 -  10000                  $7,430          $169                   1.23                     
  $ 10001 -  15000                 $12,493          $416                   1.76                     
  $ 15001 -  20000                 $17,462          $733                   2.09                     
  $ 20001 -  25000                 $22,409        $1,070                   2.35                     
  $ 25001 -  30000                 $27,392        $1,412                   2.71                     
  $ 30001 -  35000                 $32,372        $1,907                   2.91                     
  $ 35001 -  40000                 $37,413        $2,349                   3.08                     
  $ 40001 -  45000                 $42,512        $3,110                   3.06                     
  $ 45001 -  50000                 $47,333        $3,479                   3.39                     
  $ 50001 -  75000                 $61,092        $5,350                   3.36                     
  $ 75001 - 100000                 $84,938       $10,016                   3.32                     
  $100001 - 250000                $136,801       $22,739                   3.62                     
  OVER $250,000                   $441,159      $121,154                   3.36                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,942        $2,925                   2.21                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2000 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TABLE OF CONTENTS                                                                       
                                   CEDAR HILLS UT                                                   
                        _________________________________________________                           
  UNDER $ 5,000         142       $313,286        $2,543      0.81          50                      
  $  5001 -  10000       90       $664,476       $27,845      4.19          53                      
  $ 10001 -  15000       61       $745,099       $29,934      4.02         100                      
  $ 15001 -  20000       29       $507,096       $28,744      5.67          50                      
  $ 20001 -  25000       37       $820,434       $44,486      5.42          81                      
  $ 25001 -  30000       34       $942,967       $55,092      5.84          77                      
  $ 30001 -  35000       33     $1,070,928       $54,779      5.12          95                      
  $ 35001 -  40000       34     $1,286,382       $40,284      3.13         145                      
  $ 40001 -  45000       44     $1,855,102       $84,570      4.56         176                      
  $ 45001 -  50000       38     $1,808,636       $59,665      3.30         176                      
  $ 50001 -  75000      250    $15,433,271      $945,961      6.13       1,072                      
  $ 75001 - 100000      182    $15,680,753    $1,319,960      8.42         815                      
  $100001 - 250000      128    $16,779,876    $2,311,914     13.78         570                      
  OVER $250,000          14     $8,780,232    $2,207,827     25.15          57                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,116     $66,688,538    $7,213,604     10.82        3,517                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       12.7             0.5           0.0                    1.4                     
  $  5001 -  10000     8.1             1.0           0.4                    1.5                     
  $ 10001 -  15000     5.5             1.1           0.4                    2.8                     
  $ 15001 -  20000     2.6             0.8           0.4                    1.4                     
  $ 20001 -  25000     3.3             1.2           0.6                    2.3                     
  $ 25001 -  30000     3.0             1.4           0.8                    2.2                     
  $ 30001 -  35000     3.0             1.6           0.8                    2.7                     
  $ 35001 -  40000     3.0             1.9           0.6                    4.1                     
  $ 40001 -  45000     3.9             2.8           1.2                    5.0                     
  $ 45001 -  50000     3.4             2.7           0.8                    5.0                     
  $ 50001 -  75000    22.4            23.1          13.1                   30.5                     
  $ 75001 - 100000    16.3            23.5          18.3                   23.2                     
  $100001 - 250000    11.5            25.2          32.0                   16.2                     
  OVER $250,000        1.3            13.2          30.6                    1.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,206           $18                   0.35                     
  $  5001 -  10000                  $7,383          $309                   0.59                     
  $ 10001 -  15000                 $12,215          $491                   1.64                     
  $ 15001 -  20000                 $17,486          $991                   1.72                     
  $ 20001 -  25000                 $22,174        $1,202                   2.19                     
  $ 25001 -  30000                 $27,734        $1,620                   2.26                     
  $ 30001 -  35000                 $32,452        $1,660                   2.88                     
  $ 35001 -  40000                 $37,835        $1,185                   4.26                     
  $ 40001 -  45000                 $42,161        $1,922                   4.00                     
  $ 45001 -  50000                 $47,596        $1,570                   4.63                     
  $ 50001 -  75000                 $61,733        $3,784                   4.29                     
  $ 75001 - 100000                 $86,158        $7,253                   4.48                     
  $100001 - 250000                $131,093       $18,062                   4.45                     
  OVER $250,000                   $627,159      $157,702                   4.07                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $59,757        $6,464                   3.15                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2000 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TABLE OF CONTENTS                                                                       
                                   CENTERVILLE UT                                                   
                        _________________________________________________                           
  UNDER $1               37      $-598,388       $11,086     -1.85          77                      
  $     1  -  5000    1,013     $2,648,364       $32,816      1.24         158                      
  $  5001 -  10000      619     $4,516,201      $171,903      3.81         345                      
  $ 10001 -  15000      480     $5,847,147      $302,313      5.17         513                      
  $ 15001 -  20000      369     $6,461,407      $395,861      6.13         501                      
  $ 20001 -  25000      323     $7,227,140      $487,604      6.75         552                      
  $ 25001 -  30000      307     $8,413,218      $579,676      6.89         580                      
  $ 30001 -  35000      231     $7,512,111      $531,861      7.08         524                      
  $ 35001 -  40000      227     $8,533,303      $600,354      7.04         582                      
  $ 40001 -  45000      202     $8,593,411      $640,430      7.45         538                      
  $ 45001 -  50000      224    $10,643,218      $829,736      7.80         655                      
  $ 50001 -  75000      965    $59,955,703    $4,800,105      8.01       3,462                      
  $ 75001 - 100000      721    $61,898,063    $6,357,920     10.27       2,809                      
  $100001 - 250000      598    $80,493,191   $12,530,251     15.57       2,406                      
  OVER $250,000          63    $31,962,482    $8,562,120     26.79         272                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              6,379    $304,106,571   $36,834,036     12.11       13,974                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.6            -0.2           0.0                    0.6                     
  $     1  -  5000    15.9             0.9           0.1                    1.1                     
  $  5001 -  10000     9.7             1.5           0.5                    2.5                     
  $ 10001 -  15000     7.5             1.9           0.8                    3.7                     
  $ 15001 -  20000     5.8             2.1           1.1                    3.6                     
  $ 20001 -  25000     5.1             2.4           1.3                    4.0                     
  $ 25001 -  30000     4.8             2.8           1.6                    4.2                     
  $ 30001 -  35000     3.6             2.5           1.4                    3.7                     
  $ 35001 -  40000     3.6             2.8           1.6                    4.2                     
  $ 40001 -  45000     3.2             2.8           1.7                    3.9                     
  $ 45001 -  50000     3.5             3.5           2.3                    4.7                     
  $ 50001 -  75000    15.1            19.7          13.0                   24.8                     
  $ 75001 - 100000    11.3            20.4          17.3                   20.1                     
  $100001 - 250000     9.4            26.5          34.0                   17.2                     
  OVER $250,000        1.0            10.5          23.2                    1.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-16,173          $300                   2.08                     
  $     1  -  5000                  $2,614           $32                   0.16                     
  $  5001 -  10000                  $7,296          $278                   0.56                     
  $ 10001 -  15000                 $12,182          $630                   1.07                     
  $ 15001 -  20000                 $17,511        $1,073                   1.36                     
  $ 20001 -  25000                 $22,375        $1,510                   1.71                     
  $ 25001 -  30000                 $27,405        $1,888                   1.89                     
  $ 30001 -  35000                 $32,520        $2,302                   2.27                     
  $ 35001 -  40000                 $37,592        $2,645                   2.56                     
  $ 40001 -  45000                 $42,542        $3,170                   2.66                     
  $ 45001 -  50000                 $47,514        $3,704                   2.92                     
  $ 50001 -  75000                 $62,130        $4,974                   3.59                     
  $ 75001 - 100000                 $85,850        $8,818                   3.90                     
  $100001 - 250000                $134,604       $20,954                   4.02                     
  OVER $250,000                   $507,341      $135,907                   4.32                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $47,673        $5,774                   2.19                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2000 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TABLE OF CONTENTS                                                                       
                                   CLEARFIELD UT                                                    
                        _________________________________________________                           
  UNDER $1               27      $-928,709          $339     -0.04          43                      
  $     1  -  5000      968     $2,699,145        $8,152      0.30         693                      
  $  5001 -  10000      935     $7,038,776      $135,947      1.93       1,202                      
  $ 10001 -  15000      953    $11,877,065      $452,945      3.81       1,536                      
  $ 15001 -  20000      971    $16,987,910      $856,285      5.04       1,756                      
  $ 20001 -  25000      900    $20,243,535    $1,159,809      5.73       1,862                      
  $ 25001 -  30000      808    $22,197,021    $1,433,507      6.46       1,829                      
  $ 30001 -  35000      681    $22,125,235    $1,565,112      7.07       1,632                      
  $ 35001 -  40000      676    $25,359,701    $1,809,685      7.14       1,873                      
  $ 40001 -  45000      628    $26,670,716    $2,129,343      7.98       1,751                      
  $ 45001 -  50000      505    $24,045,032    $1,928,041      8.02       1,576                      
  $ 50001 -  75000    1,562    $94,216,698    $8,867,078      9.41       4,999                      
  $ 75001 - 100000      425    $36,050,416    $4,484,751     12.44       1,404                      
  OVER $100,000         147    $20,393,788    $3,583,374     17.57         430                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             10,186    $328,976,329   $28,414,368      8.64       22,586                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.3            -0.3           0.0                    0.2                     
  $     1  -  5000     9.5             0.8           0.0                    3.1                     
  $  5001 -  10000     9.2             2.1           0.5                    5.3                     
  $ 10001 -  15000     9.4             3.6           1.6                    6.8                     
  $ 15001 -  20000     9.5             5.2           3.0                    7.8                     
  $ 20001 -  25000     8.8             6.2           4.1                    8.2                     
  $ 25001 -  30000     7.9             6.7           5.0                    8.1                     
  $ 30001 -  35000     6.7             6.7           5.5                    7.2                     
  $ 35001 -  40000     6.6             7.7           6.4                    8.3                     
  $ 40001 -  45000     6.2             8.1           7.5                    7.8                     
  $ 45001 -  50000     5.0             7.3           6.8                    7.0                     
  $ 50001 -  75000    15.3            28.6          31.2                   22.1                     
  $ 75001 - 100000     4.2            11.0          15.8                    6.2                     
  OVER $100,000        1.4             6.2          12.6                    1.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-34,397           $13                   1.59                     
  $     1  -  5000                  $2,788            $8                   0.72                     
  $  5001 -  10000                  $7,528          $145                   1.29                     
  $ 10001 -  15000                 $12,463          $475                   1.61                     
  $ 15001 -  20000                 $17,495          $882                   1.81                     
  $ 20001 -  25000                 $22,493        $1,289                   2.07                     
  $ 25001 -  30000                 $27,472        $1,774                   2.26                     
  $ 30001 -  35000                 $32,489        $2,298                   2.40                     
  $ 35001 -  40000                 $37,514        $2,677                   2.77                     
  $ 40001 -  45000                 $42,469        $3,391                   2.79                     
  $ 45001 -  50000                 $47,614        $3,818                   3.12                     
  $ 50001 -  75000                 $60,318        $5,677                   3.20                     
  $ 75001 - 100000                 $84,825       $10,552                   3.30                     
  OVER $100,000                   $138,733       $24,377                   2.93                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $32,297        $2,790                   2.22                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 2000 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TABLE OF CONTENTS                                                                       
                                   CLINTON UT                                                       
                        _________________________________________________                           
  UNDER $1               14      $-480,097            $0      0.00          25                      
  $     1  -  5000      455     $1,185,482        $6,548      0.55         150                      
  $  5001 -  10000      425     $3,175,104      $116,955      3.68         293                      
  $ 10001 -  15000      307     $3,795,833      $195,490      5.15         350                      
  $ 15001 -  20000      286     $5,007,784      $294,042      5.87         469                      
  $ 20001 -  25000      235     $5,274,004      $324,088      6.15         450                      
  $ 25001 -  30000      269     $7,415,141      $435,625      5.87         634                      
  $ 30001 -  35000      275     $8,966,856      $532,575      5.94         747                      
  $ 35001 -  40000      278    $10,450,525      $652,212      6.24         813                      
  $ 40001 -  45000      309    $13,154,285      $837,558      6.37       1,048                      
  $ 45001 -  50000      285    $13,549,148      $970,403      7.16         924                      
  $ 50001 -  75000    1,106    $67,051,857    $5,552,906      8.28       3,884                      
  $ 75001 - 100000      370    $31,449,840    $3,662,489     11.65       1,318                      
  OVER $100,000         107    $14,491,501    $2,362,246     16.30         371                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              4,721    $184,487,263   $15,943,137      8.64       11,476                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.3            -0.3           0.0                    0.2                     
  $     1  -  5000     9.6             0.6           0.0                    1.3                     
  $  5001 -  10000     9.0             1.7           0.7                    2.6                     
  $ 10001 -  15000     6.5             2.1           1.2                    3.0                     
  $ 15001 -  20000     6.1             2.7           1.8                    4.1                     
  $ 20001 -  25000     5.0             2.9           2.0                    3.9                     
  $ 25001 -  30000     5.7             4.0           2.7                    5.5                     
  $ 30001 -  35000     5.8             4.9           3.3                    6.5                     
  $ 35001 -  40000     5.9             5.7           4.1                    7.1                     
  $ 40001 -  45000     6.5             7.1           5.3                    9.1                     
  $ 45001 -  50000     6.0             7.3           6.1                    8.1                     
  $ 50001 -  75000    23.4            36.3          34.8                   33.8                     
  $ 75001 - 100000     7.8            17.0          23.0                   11.5                     
  OVER $100,000        2.3             7.9          14.8                    3.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-34,293            $0                   1.79                     
  $     1  -  5000                  $2,605           $14                   0.33                     
  $  5001 -  10000                  $7,471          $275                   0.69                     
  $ 10001 -  15000                 $12,364          $637                   1.14                     
  $ 15001 -  20000                 $17,510        $1,028                   1.64                     
  $ 20001 -  25000                 $22,443        $1,379                   1.91                     
  $ 25001 -  30000                 $27,566        $1,619                   2.36                     
  $ 30001 -  35000                 $32,607        $1,937                   2.72                     
  $ 35001 -  40000                 $37,592        $2,346                   2.92                     
  $ 40001 -  45000                 $42,571        $2,711                   3.39                     
  $ 45001 -  50000                 $47,541        $3,405                   3.24                     
  $ 50001 -  75000                 $60,626        $5,021                   3.51                     
  $ 75001 - 100000                 $85,000        $9,899                   3.56                     
  OVER $100,000                   $135,435       $22,077                   3.47                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,078        $3,377                   2.43                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2000 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TABLE OF CONTENTS                                                                       
                                   COALVILLE UT                                                     
                        _________________________________________________                           
  UNDER $1               16      $-508,090            $0      0.00          40                      
  $     1  -  5000      108       $316,117        $3,061      0.97          22                      
  $  5001 -  10000      107       $825,965       $24,777      3.00         100                      
  $ 10001 -  15000       80       $987,087       $45,036      4.56         101                      
  $ 15001 -  20000       72     $1,273,525       $62,389      4.90         138                      
  $ 20001 -  25000       83     $1,871,057      $108,176      5.78         173                      
  $ 25001 -  30000       57     $1,558,608      $106,094      6.81         115                      
  $ 30001 -  35000       63     $2,059,073      $130,017      6.31         164                      
  $ 35001 -  40000       65     $2,430,829      $184,762      7.60         170                      
  $ 40001 -  45000       68     $2,866,568      $186,624      6.51         211                      
  $ 45001 -  50000       43     $2,056,549      $143,904      7.00         144                      
  $ 50001 -  75000      162    $10,046,112      $892,630      8.89         581                      
  $ 75001 - 100000       74     $6,297,750      $707,122     11.23         258                      
  OVER $100,000          46     $9,508,345    $2,248,175     23.64         140                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,044     $41,589,495    $4,842,767     11.64        2,357                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.5            -1.2           0.0                    1.7                     
  $     1  -  5000    10.3             0.8           0.1                    0.9                     
  $  5001 -  10000    10.2             2.0           0.5                    4.2                     
  $ 10001 -  15000     7.7             2.4           0.9                    4.3                     
  $ 15001 -  20000     6.9             3.1           1.3                    5.9                     
  $ 20001 -  25000     8.0             4.5           2.2                    7.3                     
  $ 25001 -  30000     5.5             3.7           2.2                    4.9                     
  $ 30001 -  35000     6.0             5.0           2.7                    7.0                     
  $ 35001 -  40000     6.2             5.8           3.8                    7.2                     
  $ 40001 -  45000     6.5             6.9           3.9                    9.0                     
  $ 45001 -  50000     4.1             4.9           3.0                    6.1                     
  $ 50001 -  75000    15.5            24.2          18.4                   24.6                     
  $ 75001 - 100000     7.1            15.1          14.6                   10.9                     
  OVER $100,000        4.4            22.9          46.4                    5.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-31,756            $0                   2.50                     
  $     1  -  5000                  $2,927           $28                   0.20                     
  $  5001 -  10000                  $7,719          $232                   0.93                     
  $ 10001 -  15000                 $12,339          $563                   1.26                     
  $ 15001 -  20000                 $17,688          $867                   1.92                     
  $ 20001 -  25000                 $22,543        $1,303                   2.08                     
  $ 25001 -  30000                 $27,344        $1,861                   2.02                     
  $ 30001 -  35000                 $32,684        $2,064                   2.60                     
  $ 35001 -  40000                 $37,397        $2,842                   2.62                     
  $ 40001 -  45000                 $42,155        $2,744                   3.10                     
  $ 45001 -  50000                 $47,827        $3,347                   3.35                     
  $ 50001 -  75000                 $62,013        $5,510                   3.59                     
  $ 75001 - 100000                 $85,105        $9,556                   3.49                     
  OVER $100,000                   $206,703       $48,873                   3.04                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,837        $4,639                   2.26                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2000 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TABLE OF CONTENTS                                                                       
                                   DELTA UT                                                         
                        _________________________________________________                           
  UNDER $1               43    $-5,214,213            $0      0.00         117                      
  $     1  -  5000      281       $811,998        $5,532      0.68         119                      
  $  5001 -  10000      215     $1,585,852       $46,592      2.94         246                      
  $ 10001 -  15000      192     $2,379,868       $77,972      3.28         350                      
  $ 15001 -  20000      142     $2,458,290      $103,010      4.19         353                      
  $ 20001 -  25000      117     $2,622,975      $107,825      4.11         317                      
  $ 25001 -  30000      115     $3,161,407      $150,965      4.78         332                      
  $ 30001 -  35000       93     $3,000,345      $156,821      5.23         305                      
  $ 35001 -  40000       77     $2,887,149      $166,987      5.78         267                      
  $ 40001 -  45000       74     $3,153,032      $227,325      7.21         249                      
  $ 45001 -  50000       63     $2,990,967      $188,389      6.30         263                      
  $ 50001 -  75000      311    $19,233,836    $1,574,387      8.19       1,265                      
  $ 75001 - 100000      116     $9,750,515    $1,130,451     11.59         461                      
  OVER $100,000          38     $7,799,787    $1,389,149     17.81         148                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,877     $56,621,808    $5,325,405      9.41        4,792                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             2.3            -9.2           0.0                    2.4                     
  $     1  -  5000    15.0             1.4           0.1                    2.5                     
  $  5001 -  10000    11.5             2.8           0.9                    5.1                     
  $ 10001 -  15000    10.2             4.2           1.5                    7.3                     
  $ 15001 -  20000     7.6             4.3           1.9                    7.4                     
  $ 20001 -  25000     6.2             4.6           2.0                    6.6                     
  $ 25001 -  30000     6.1             5.6           2.8                    6.9                     
  $ 30001 -  35000     5.0             5.3           2.9                    6.4                     
  $ 35001 -  40000     4.1             5.1           3.1                    5.6                     
  $ 40001 -  45000     3.9             5.6           4.3                    5.2                     
  $ 45001 -  50000     3.4             5.3           3.5                    5.5                     
  $ 50001 -  75000    16.6            34.0          29.6                   26.4                     
  $ 75001 - 100000     6.2            17.2          21.2                    9.6                     
  OVER $100,000        2.0            13.8          26.1                    3.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-121261            $0                   2.72                     
  $     1  -  5000                  $2,890           $20                   0.42                     
  $  5001 -  10000                  $7,376          $217                   1.14                     
  $ 10001 -  15000                 $12,395          $406                   1.82                     
  $ 15001 -  20000                 $17,312          $725                   2.49                     
  $ 20001 -  25000                 $22,419          $922                   2.71                     
  $ 25001 -  30000                 $27,490        $1,313                   2.89                     
  $ 30001 -  35000                 $32,262        $1,686                   3.28                     
  $ 35001 -  40000                 $37,495        $2,169                   3.47                     
  $ 40001 -  45000                 $42,609        $3,072                   3.36                     
  $ 45001 -  50000                 $47,476        $2,990                   4.17                     
  $ 50001 -  75000                 $61,845        $5,062                   4.07                     
  $ 75001 - 100000                 $84,056        $9,745                   3.97                     
  OVER $100,000                   $205,258       $36,557                   3.89                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,166        $2,837                   2.55                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2000 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TABLE OF CONTENTS                                                                       
                                   DRAPER UT                                                        
                        _________________________________________________                           
  UNDER $1               78    $-3,342,152          $974     -0.03         188                      
  $     1  -  5000      916     $2,276,151       $35,249      1.55         237                      
  $  5001 -  10000      693     $5,138,577      $185,936      3.62         554                      
  $ 10001 -  15000      491     $6,091,531      $300,748      4.94         593                      
  $ 15001 -  20000      442     $7,682,526      $432,596      5.63         699                      
  $ 20001 -  25000      366     $8,200,592      $514,837      6.28         654                      
  $ 25001 -  30000      373    $10,249,986      $686,573      6.70         749                      
  $ 30001 -  35000      314    $10,198,998      $690,903      6.77         663                      
  $ 35001 -  40000      348    $13,065,734      $915,460      7.01         854                      
  $ 40001 -  45000      322    $13,632,642    $1,004,484      7.37         794                      
  $ 45001 -  50000      272    $12,925,016    $1,003,983      7.77         743                      
  $ 50001 -  75000    1,435    $88,778,239    $7,035,203      7.92       4,641                      
  $ 75001 - 100000    1,008    $87,294,312    $8,814,591     10.10       3,544                      
  $100001 - 250000    1,256   $175,529,329   $27,286,281     15.55       4,606                      
  OVER $250,000         200   $124,443,843   $33,241,329     26.71         743                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,514    $562,165,324   $82,149,147     14.61       20,262                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.9            -0.6           0.0                    0.9                     
  $     1  -  5000    10.8             0.4           0.0                    1.2                     
  $  5001 -  10000     8.1             0.9           0.2                    2.7                     
  $ 10001 -  15000     5.8             1.1           0.4                    2.9                     
  $ 15001 -  20000     5.2             1.4           0.5                    3.4                     
  $ 20001 -  25000     4.3             1.5           0.6                    3.2                     
  $ 25001 -  30000     4.4             1.8           0.8                    3.7                     
  $ 30001 -  35000     3.7             1.8           0.8                    3.3                     
  $ 35001 -  40000     4.1             2.3           1.1                    4.2                     
  $ 40001 -  45000     3.8             2.4           1.2                    3.9                     
  $ 45001 -  50000     3.2             2.3           1.2                    3.7                     
  $ 50001 -  75000    16.9            15.8           8.6                   22.9                     
  $ 75001 - 100000    11.8            15.5          10.7                   17.5                     
  $100001 - 250000    14.8            31.2          33.2                   22.7                     
  OVER $250,000        2.3            22.1          40.5                    3.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-42,848           $12                   2.41                     
  $     1  -  5000                  $2,485           $38                   0.26                     
  $  5001 -  10000                  $7,415          $268                   0.80                     
  $ 10001 -  15000                 $12,406          $613                   1.21                     
  $ 15001 -  20000                 $17,381          $979                   1.58                     
  $ 20001 -  25000                 $22,406        $1,407                   1.79                     
  $ 25001 -  30000                 $27,480        $1,841                   2.01                     
  $ 30001 -  35000                 $32,481        $2,200                   2.11                     
  $ 35001 -  40000                 $37,545        $2,631                   2.45                     
  $ 40001 -  45000                 $42,337        $3,120                   2.47                     
  $ 45001 -  50000                 $47,518        $3,691                   2.73                     
  $ 50001 -  75000                 $61,866        $4,903                   3.23                     
  $ 75001 - 100000                 $86,602        $8,745                   3.52                     
  $100001 - 250000                $139,753       $21,725                   3.67                     
  OVER $250,000                   $622,219      $166,207                   3.72                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $66,028        $9,649                   2.38                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2000 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TABLE OF CONTENTS                                                                       
                                   DUCHESNE UT                                                      
                        _________________________________________________                           
  UNDER $1               13      $-692,194          $200     -0.03          30                      
  $     1  -  5000      112       $289,519          $108      0.04          92                      
  $  5001 -  10000       93       $684,677        $9,412      1.37         138                      
  $ 10001 -  15000       80     $1,017,016       $27,310      2.69         160                      
  $ 15001 -  20000       71     $1,230,956       $45,816      3.72         159                      
  $ 20001 -  25000       63     $1,395,166       $52,239      3.74         182                      
  $ 25001 -  30000       69     $1,903,231       $95,351      5.01         210                      
  $ 30001 -  35000       59     $1,891,674      $105,303      5.57         184                      
  $ 35001 -  40000       47     $1,748,558      $112,210      6.42         150                      
  $ 40001 -  45000       45     $1,906,878      $109,133      5.72         178                      
  $ 45001 -  50000       45     $2,126,497      $154,735      7.28         162                      
  $ 50001 -  75000       94     $5,582,066      $531,059      9.51         311                      
  $ 75001 - 100000       20     $1,705,432      $225,249     13.21          63                      
  OVER $100,000          13     $2,077,580      $378,264     18.21          37                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                824     $22,867,056    $1,846,389      8.07        2,056                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.6            -3.0           0.0                    1.5                     
  $     1  -  5000    13.6             1.3           0.0                    4.5                     
  $  5001 -  10000    11.3             3.0           0.5                    6.7                     
  $ 10001 -  15000     9.7             4.4           1.5                    7.8                     
  $ 15001 -  20000     8.6             5.4           2.5                    7.7                     
  $ 20001 -  25000     7.6             6.1           2.8                    8.9                     
  $ 25001 -  30000     8.4             8.3           5.2                   10.2                     
  $ 30001 -  35000     7.2             8.3           5.7                    8.9                     
  $ 35001 -  40000     5.7             7.6           6.1                    7.3                     
  $ 40001 -  45000     5.5             8.3           5.9                    8.7                     
  $ 45001 -  50000     5.5             9.3           8.4                    7.9                     
  $ 50001 -  75000    11.4            24.4          28.8                   15.1                     
  $ 75001 - 100000     2.4             7.5          12.2                    3.1                     
  OVER $100,000        1.6             9.1          20.5                    1.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-53,246           $15                   2.31                     
  $     1  -  5000                  $2,585            $1                   0.82                     
  $  5001 -  10000                  $7,362          $101                   1.48                     
  $ 10001 -  15000                 $12,713          $341                   2.00                     
  $ 15001 -  20000                 $17,337          $645                   2.24                     
  $ 20001 -  25000                 $22,145          $829                   2.89                     
  $ 25001 -  30000                 $27,583        $1,382                   3.04                     
  $ 30001 -  35000                 $32,062        $1,785                   3.12                     
  $ 35001 -  40000                 $37,203        $2,387                   3.19                     
  $ 40001 -  45000                 $42,375        $2,425                   3.96                     
  $ 45001 -  50000                 $47,255        $3,439                   3.60                     
  $ 50001 -  75000                 $59,384        $5,650                   3.31                     
  $ 75001 - 100000                 $85,272       $11,262                   3.15                     
  OVER $100,000                   $159,814       $29,097                   2.85                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $27,751        $2,241                   2.50                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                    
                                                                                                    
****************************SUMMARY OF 2000 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TABLE OF CONTENTS                                                                       
                                   EAGLE MOUNTAIN UT                                                
                        _________________________________________________                           
  UNDER $ 5,000          66       $105,740          $373      0.35          43                      
  $  5001 -  10000       51       $375,287       $11,249      3.00          47                      
  $ 10001 -  15000       52       $642,566       $15,835      2.46         110                      
  $ 15001 -  20000       55       $962,238       $33,141      3.44         136                      
  $ 20001 -  25000       45       $999,541       $40,306      4.03         116                      
  $ 25001 -  30000       80     $2,207,380       $89,145      4.04         232                      
  $ 30001 -  35000       92     $3,026,831      $142,421      4.71         284                      
  $ 35001 -  40000       95     $3,571,892      $144,707      4.05         348                      
  $ 40001 -  45000       99     $4,191,105      $208,419      4.97         366                      
  $ 45001 -  50000      104     $4,955,983      $300,468      6.06         399                      
  $ 50001 -  75000      297    $17,759,595    $1,238,239      6.97       1,117                      
  $ 75001 - 100000       83     $7,190,712      $721,442     10.03         331                      
  $100001 - 250000       55     $7,220,756    $1,000,165     13.85         234                      
  OVER $250,000          10     $4,670,874    $1,116,525     23.90          41                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,184     $57,880,500    $5,062,435      8.75        3,804                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000        5.6             0.2           0.0                    1.1                     
  $  5001 -  10000     4.3             0.6           0.2                    1.2                     
  $ 10001 -  15000     4.4             1.1           0.3                    2.9                     
  $ 15001 -  20000     4.6             1.7           0.7                    3.6                     
  $ 20001 -  25000     3.8             1.7           0.8                    3.0                     
  $ 25001 -  30000     6.8             3.8           1.8                    6.1                     
  $ 30001 -  35000     7.8             5.2           2.8                    7.5                     
  $ 35001 -  40000     8.0             6.2           2.9                    9.1                     
  $ 40001 -  45000     8.4             7.2           4.1                    9.6                     
  $ 45001 -  50000     8.8             8.6           5.9                   10.5                     
  $ 50001 -  75000    25.1            30.7          24.5                   29.4                     
  $ 75001 - 100000     7.0            12.4          14.3                    8.7                     
  $100001 - 250000     4.6            12.5          19.8                    6.2                     
  OVER $250,000        0.8             8.1          22.1                    1.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $1,602            $6                   0.65                     
  $  5001 -  10000                  $7,359          $221                   0.92                     
  $ 10001 -  15000                 $12,357          $305                   2.12                     
  $ 15001 -  20000                 $17,495          $603                   2.47                     
  $ 20001 -  25000                 $22,212          $896                   2.58                     
  $ 25001 -  30000                 $27,592        $1,114                   2.90                     
  $ 30001 -  35000                 $32,900        $1,548                   3.09                     
  $ 35001 -  40000                 $37,599        $1,523                   3.66                     
  $ 40001 -  45000                 $42,334        $2,105                   3.70                     
  $ 45001 -  50000                 $47,654        $2,889                   3.84                     
  $ 50001 -  75000                 $59,797        $4,169                   3.76                     
  $ 75001 - 100000                 $86,635        $8,692                   3.99                     
  $100001 - 250000                $131,286       $18,185                   4.25                     
  OVER $250,000                   $467,087      $111,653                   4.10                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $48,886        $4,276                   3.21                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                              
                                                                                                    
****************************SUMMARY OF 2000 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TABLE OF CONTENTS                                                                       
                                   EDEN UT                                                          
                        _________________________________________________                           
  UNDER $ 5,000         129        $56,606        $3,204      5.66          67                      
  $  5