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                                                            
SARATOGA SPRINGS UT                                              
SMITHFIELD UT                                                          
SOUTH JORDAN UT                                                      
SOUTH OGDEN 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                                                          
WEST BOUNTIFUL UT                                                  
WEST JORDAN UT                                                        
WEST POINT UT                                                          
WEST VALLEY UT                                                        
WILLARD UT                                                                
WOODS CROSS UT                                                        

                                                                            
                                                                                                    
****************************SUMMARY OF 2001 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    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   ALPINE UT                                                        
                        _________________________________________________                           
  $     1  -  5000      238       $817,553        $5,152      0.63          82                      
  $  5001 -  10000      288     $2,098,348       $81,310      3.87         167                      
  $ 10001 -  15000      162     $2,000,408       $73,235      3.66         202                      
  $ 15001 -  20000      117     $2,028,075      $108,079      5.33         193                      
  $ 20001 -  25000       83     $1,853,464       $93,025      5.02         168                      
  $ 25001 -  30000       66     $1,802,498       $92,055      5.11         145                      
  $ 30001 -  35000       72     $2,362,026       $98,967      4.19         193                      
  $ 35001 -  40000       67     $2,501,938      $112,964      4.52         213                      
  $ 40001 -  45000       68     $2,882,231      $160,254      5.56         234                      
  $ 45001 -  50000       71     $3,374,227      $190,953      5.66         264                      
  $ 50001 -  75000      308    $19,228,708    $1,242,710      6.46       1,184                      
  $ 75001 - 100000      254    $21,993,528    $1,771,580      8.06       1,118                      
  $100001 - 250000      451    $64,255,414    $8,386,896     13.05       2,177                      
  OVER $250,000          93    $62,652,292   $17,084,828     27.27         401                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,338    $189,850,710   $29,502,008     15.54        6,741                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000    10.2             0.4           0.0                    1.2                     
  $  5001 -  10000    12.3             1.1           0.3                    2.5                     
  $ 10001 -  15000     6.9             1.1           0.2                    3.0                     
  $ 15001 -  20000     5.0             1.1           0.4                    2.9                     
  $ 20001 -  25000     3.6             1.0           0.3                    2.5                     
  $ 25001 -  30000     2.8             0.9           0.3                    2.2                     
  $ 30001 -  35000     3.1             1.2           0.3                    2.9                     
  $ 35001 -  40000     2.9             1.3           0.4                    3.2                     
  $ 40001 -  45000     2.9             1.5           0.5                    3.5                     
  $ 45001 -  50000     3.0             1.8           0.6                    3.9                     
  $ 50001 -  75000    13.2            10.1           4.2                   17.6                     
  $ 75001 - 100000    10.9            11.6           6.0                   16.6                     
  $100001 - 250000    19.3            33.8          28.4                   32.3                     
  OVER $250,000        4.0            33.0          57.9                    5.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,435           $22                   0.34                     
  $  5001 -  10000                  $7,286          $282                   0.58                     
  $ 10001 -  15000                 $12,348          $452                   1.25                     
  $ 15001 -  20000                 $17,334          $924                   1.65                     
  $ 20001 -  25000                 $22,331        $1,121                   2.02                     
  $ 25001 -  30000                 $27,311        $1,395                   2.20                     
  $ 30001 -  35000                 $32,806        $1,375                   2.68                     
  $ 35001 -  40000                 $37,342        $1,686                   3.18                     
  $ 40001 -  45000                 $42,386        $2,357                   3.44                     
  $ 45001 -  50000                 $47,524        $2,689                   3.72                     
  $ 50001 -  75000                 $62,431        $4,035                   3.84                     
  $ 75001 - 100000                 $86,589        $6,975                   4.40                     
  $100001 - 250000                $142,473       $18,596                   4.83                     
  OVER $250,000                   $673,681      $183,708                   4.31                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $81,202       $12,618                   2.88                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                     
                                                                                                    
****************************SUMMARY OF 2001 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    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   AMERICAN FORK UT                                                 
                        _________________________________________________                           
  $     1  -  5000      579     $2,004,514       $13,326      0.66         271                      
  $  5001 -  10000      851     $6,409,594      $118,460      1.85         864                      
  $ 10001 -  15000      703     $8,751,907      $259,686      2.97       1,069                      
  $ 15001 -  20000      662    $11,512,466      $468,573      4.07       1,238                      
  $ 20001 -  25000      586    $13,141,163      $646,317      4.92       1,229                      
  $ 25001 -  30000      484    $13,317,581      $715,562      5.37       1,179                      
  $ 30001 -  35000      470    $15,221,574      $875,445      5.75       1,243                      
  $ 35001 -  40000      454    $17,025,541      $991,264      5.82       1,350                      
  $ 40001 -  45000      397    $16,844,317      $947,891      5.63       1,374                      
  $ 45001 -  50000      409    $19,383,432    $1,168,277      6.03       1,418                      
  $ 50001 -  75000    1,530    $93,667,030    $6,481,255      6.92       5,736                      
  $ 75001 - 100000      687    $58,798,552    $5,381,949      9.15       2,811                      
  $100001 - 250000      391    $51,659,731    $7,224,682     13.99       1,689                      
  OVER $250,000          45    $18,195,291    $4,004,052     22.01         164                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,248    $345,932,693   $29,296,739      8.47       21,635                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     7.0             0.6           0.0                    1.3                     
  $  5001 -  10000    10.3             1.9           0.4                    4.0                     
  $ 10001 -  15000     8.5             2.5           0.9                    4.9                     
  $ 15001 -  20000     8.0             3.3           1.6                    5.7                     
  $ 20001 -  25000     7.1             3.8           2.2                    5.7                     
  $ 25001 -  30000     5.9             3.8           2.4                    5.4                     
  $ 30001 -  35000     5.7             4.4           3.0                    5.7                     
  $ 35001 -  40000     5.5             4.9           3.4                    6.2                     
  $ 40001 -  45000     4.8             4.9           3.2                    6.4                     
  $ 45001 -  50000     5.0             5.6           4.0                    6.6                     
  $ 50001 -  75000    18.5            27.1          22.1                   26.5                     
  $ 75001 - 100000     8.3            17.0          18.4                   13.0                     
  $100001 - 250000     4.7            14.9          24.7                    7.8                     
  OVER $250,000        0.5             5.3          13.7                    0.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,462           $23                   0.47                     
  $  5001 -  10000                  $7,532          $139                   1.02                     
  $ 10001 -  15000                 $12,449          $369                   1.52                     
  $ 15001 -  20000                 $17,390          $708                   1.87                     
  $ 20001 -  25000                 $22,425        $1,103                   2.10                     
  $ 25001 -  30000                 $27,516        $1,478                   2.44                     
  $ 30001 -  35000                 $32,386        $1,863                   2.64                     
  $ 35001 -  40000                 $37,501        $2,183                   2.97                     
  $ 40001 -  45000                 $42,429        $2,388                   3.46                     
  $ 45001 -  50000                 $47,392        $2,856                   3.47                     
  $ 50001 -  75000                 $61,220        $4,236                   3.75                     
  $ 75001 - 100000                 $85,587        $7,834                   4.09                     
  $100001 - 250000                $132,122       $18,477                   4.32                     
  OVER $250,000                   $404,340       $88,979                   3.64                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $41,941        $3,552                   2.62                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2001 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    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   BEAVER UT                                                        
                        _________________________________________________                           
  $     1  -  5000      105       $372,069        $1,530      0.41          57                      
  $  5001 -  10000      151     $1,133,205       $18,366      1.62         178                      
  $ 10001 -  15000      151     $1,882,579       $54,571      2.90         219                      
  $ 15001 -  20000      117     $2,055,574       $78,362      3.81         221                      
  $ 20001 -  25000      107     $2,408,527      $123,545      5.13         227                      
  $ 25001 -  30000       97     $2,665,330      $119,223      4.47         272                      
  $ 30001 -  35000       85     $2,758,285      $139,686      5.06         242                      
  $ 35001 -  40000       71     $2,652,738      $144,080      5.43         231                      
  $ 40001 -  45000       66     $2,803,554      $183,099      6.53         224                      
  $ 45001 -  50000       52     $2,471,728      $175,054      7.08         168                      
  $ 50001 -  75000      151     $9,217,346      $720,245      7.81         578                      
  $ 75001 - 100000       52     $4,404,273      $442,603     10.05         204                      
  OVER $100,000          21     $3,904,760      $798,330     20.45          68                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,226     $38,729,968    $2,998,694      7.74        2,889                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     8.6             1.0           0.1                    2.0                     
  $  5001 -  10000    12.3             2.9           0.6                    6.2                     
  $ 10001 -  15000    12.3             4.9           1.8                    7.6                     
  $ 15001 -  20000     9.5             5.3           2.6                    7.6                     
  $ 20001 -  25000     8.7             6.2           4.1                    7.9                     
  $ 25001 -  30000     7.9             6.9           4.0                    9.4                     
  $ 30001 -  35000     6.9             7.1           4.7                    8.4                     
  $ 35001 -  40000     5.8             6.8           4.8                    8.0                     
  $ 40001 -  45000     5.4             7.2           6.1                    7.8                     
  $ 45001 -  50000     4.2             6.4           5.8                    5.8                     
  $ 50001 -  75000    12.3            23.8          24.0                   20.0                     
  $ 75001 - 100000     4.2            11.4          14.8                    7.1                     
  OVER $100,000        1.7            10.1          26.6                    2.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,544           $15                   0.54                     
  $  5001 -  10000                  $7,505          $122                   1.18                     
  $ 10001 -  15000                 $12,467          $361                   1.45                     
  $ 15001 -  20000                 $17,569          $670                   1.89                     
  $ 20001 -  25000                 $22,510        $1,155                   2.12                     
  $ 25001 -  30000                 $27,478        $1,229                   2.80                     
  $ 30001 -  35000                 $32,450        $1,643                   2.85                     
  $ 35001 -  40000                 $37,363        $2,029                   3.25                     
  $ 40001 -  45000                 $42,478        $2,774                   3.39                     
  $ 45001 -  50000                 $47,533        $3,366                   3.23                     
  $ 50001 -  75000                 $61,042        $4,770                   3.83                     
  $ 75001 - 100000                 $84,698        $8,512                   3.92                     
  OVER $100,000                   $185,941       $38,016                   3.24                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $31,591        $2,446                   2.36                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2001 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    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   BLANDING UT                                                      
                        _________________________________________________                           
  $     1  -  5000      103       $357,848          $573      0.16          71                      
  $  5001 -  10000      141     $1,061,705       $13,392      1.26         197                      
  $ 10001 -  15000      120     $1,478,804       $29,945      2.02         238                      
  $ 15001 -  20000       95     $1,643,305       $47,002      2.86         240                      
  $ 20001 -  25000       75     $1,689,546       $64,108      3.79         210                      
  $ 25001 -  30000       73     $1,997,142       $73,258      3.67         249                      
  $ 30001 -  35000       74     $2,428,037      $102,356      4.22         265                      
  $ 35001 -  40000       63     $2,364,205      $125,071      5.29         213                      
  $ 40001 -  45000       42     $1,784,726       $94,824      5.31         153                      
  $ 45001 -  50000       62     $2,946,300      $185,432      6.29         233                      
  $ 50001 -  75000      162     $9,829,607      $696,445      7.09         642                      
  $ 75001 - 100000       53     $4,514,828      $507,760     11.25         172                      
  OVER $100,000          27     $4,508,327      $805,303     17.86         104                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,090     $36,604,380    $2,745,469      7.50        2,987                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     9.4             1.0           0.0                    2.4                     
  $  5001 -  10000    12.9             2.9           0.5                    6.6                     
  $ 10001 -  15000    11.0             4.0           1.1                    8.0                     
  $ 15001 -  20000     8.7             4.5           1.7                    8.0                     
  $ 20001 -  25000     6.9             4.6           2.3                    7.0                     
  $ 25001 -  30000     6.7             5.5           2.7                    8.3                     
  $ 30001 -  35000     6.8             6.6           3.7                    8.9                     
  $ 35001 -  40000     5.8             6.5           4.6                    7.1                     
  $ 40001 -  45000     3.9             4.9           3.5                    5.1                     
  $ 45001 -  50000     5.7             8.0           6.8                    7.8                     
  $ 50001 -  75000    14.9            26.9          25.4                   21.5                     
  $ 75001 - 100000     4.9            12.3          18.5                    5.8                     
  OVER $100,000        2.5            12.3          29.3                    3.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,474            $6                   0.69                     
  $  5001 -  10000                  $7,530           $95                   1.40                     
  $ 10001 -  15000                 $12,323          $250                   1.98                     
  $ 15001 -  20000                 $17,298          $495                   2.53                     
  $ 20001 -  25000                 $22,527          $855                   2.80                     
  $ 25001 -  30000                 $27,358        $1,004                   3.41                     
  $ 30001 -  35000                 $32,811        $1,383                   3.58                     
  $ 35001 -  40000                 $37,527        $1,985                   3.38                     
  $ 40001 -  45000                 $42,493        $2,258                   3.64                     
  $ 45001 -  50000                 $47,521        $2,991                   3.76                     
  $ 50001 -  75000                 $60,677        $4,299                   3.96                     
  $ 75001 - 100000                 $85,185        $9,580                   3.25                     
  OVER $100,000                   $166,975       $29,826                   3.85                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $33,582        $2,519                   2.74                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2001 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    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   BLUFFDALE UT                                                     
                        _________________________________________________                           
  $     1  -  5000      133       $452,762        $3,350      0.74          38                      
  $  5001 -  10000      166     $1,225,078       $27,463      2.24         130                      
  $ 10001 -  15000      120     $1,486,858       $54,961      3.70         143                      
  $ 15001 -  20000      103     $1,820,154       $91,093      5.00         177                      
  $ 20001 -  25000       90     $2,027,336      $115,258      5.69         211                      
  $ 25001 -  30000       68     $1,874,477      $121,658      6.49         157                      
  $ 30001 -  35000       45     $1,439,261       $80,402      5.59         130                      
  $ 35001 -  40000       45     $1,681,438       $85,954      5.11         139                      
  $ 40001 -  45000       46     $1,947,557      $108,051      5.55         146                      
  $ 45001 -  50000       45     $2,132,502       $92,354      4.33         167                      
  $ 50001 -  75000      265    $16,319,498    $1,024,414      6.28       1,055                      
  $ 75001 - 100000      171    $14,749,439    $1,357,265      9.20         695                      
  $100001 - 250000      136    $18,049,383    $2,562,977     14.20         550                      
  OVER $250,000          14     $5,907,681    $1,519,034     25.71          49                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,447     $71,113,424    $7,244,234     10.19        3,787                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     9.2             0.6           0.0                    1.0                     
  $  5001 -  10000    11.5             1.7           0.4                    3.4                     
  $ 10001 -  15000     8.3             2.1           0.8                    3.8                     
  $ 15001 -  20000     7.1             2.6           1.3                    4.7                     
  $ 20001 -  25000     6.2             2.9           1.6                    5.6                     
  $ 25001 -  30000     4.7             2.6           1.7                    4.1                     
  $ 30001 -  35000     3.1             2.0           1.1                    3.4                     
  $ 35001 -  40000     3.1             2.4           1.2                    3.7                     
  $ 40001 -  45000     3.2             2.7           1.5                    3.9                     
  $ 45001 -  50000     3.1             3.0           1.3                    4.4                     
  $ 50001 -  75000    18.3            22.9          14.1                   27.9                     
  $ 75001 - 100000    11.8            20.7          18.7                   18.4                     
  $100001 - 250000     9.4            25.4          35.4                   14.5                     
  OVER $250,000        1.0             8.3          21.0                    1.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,404           $25                   0.29                     
  $  5001 -  10000                  $7,380          $165                   0.78                     
  $ 10001 -  15000                 $12,390          $458                   1.19                     
  $ 15001 -  20000                 $17,671          $884                   1.72                     
  $ 20001 -  25000                 $22,526        $1,281                   2.34                     
  $ 25001 -  30000                 $27,566        $1,789                   2.31                     
  $ 30001 -  35000                 $31,984        $1,787                   2.89                     
  $ 35001 -  40000                 $37,365        $1,910                   3.09                     
  $ 40001 -  45000                 $42,338        $2,349                   3.17                     
  $ 45001 -  50000                 $47,389        $2,052                   3.71                     
  $ 50001 -  75000                 $61,583        $3,866                   3.98                     
  $ 75001 - 100000                 $86,254        $7,937                   4.06                     
  $100001 - 250000                $132,716       $18,845                   4.04                     
  OVER $250,000                   $421,977      $108,502                   3.50                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $49,145        $5,006                   2.62                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2001 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    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   BOUNTIFUL UT                                                     
                        _________________________________________________                           
  $     1  -  5000    1,235     $4,218,243       $19,427      0.46         539                      
  $  5001 -  10000    1,704    $12,595,119      $260,999      2.07       1,359                      
  $ 10001 -  15000    1,427    $17,794,903      $606,829      3.41       1,857                      
  $ 15001 -  20000    1,345    $23,559,296    $1,078,119      4.58       2,167                      
  $ 20001 -  25000    1,164    $26,225,113    $1,438,933      5.49       2,174                      
  $ 25001 -  30000    1,049    $28,819,653    $1,853,311      6.43       2,098                      
  $ 30001 -  35000    1,050    $34,070,839    $2,350,853      6.90       2,246                      
  $ 35001 -  40000      934    $35,024,701    $2,580,706      7.37       2,166                      
  $ 40001 -  45000      827    $35,058,980    $2,678,436      7.64       2,112                      
  $ 45001 -  50000      751    $35,672,805    $2,922,539      8.19       1,983                      
  $ 50001 -  75000    2,638   $162,558,901   $14,222,796      8.75       7,920                      
  $ 75001 - 100000    1,552   $133,262,596   $14,524,860     10.90       5,146                      
  $100001 - 250000    1,496   $209,200,123   $32,293,345     15.44       5,266                      
  OVER $250,000         244   $136,853,983   $35,720,389     26.10         792                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             17,416    $894,915,255  $112,551,542     12.58       37,825                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     7.1             0.5           0.0                    1.4                     
  $  5001 -  10000     9.8             1.4           0.2                    3.6                     
  $ 10001 -  15000     8.2             2.0           0.5                    4.9                     
  $ 15001 -  20000     7.7             2.6           1.0                    5.7                     
  $ 20001 -  25000     6.7             2.9           1.3                    5.7                     
  $ 25001 -  30000     6.0             3.2           1.6                    5.5                     
  $ 30001 -  35000     6.0             3.8           2.1                    5.9                     
  $ 35001 -  40000     5.4             3.9           2.3                    5.7                     
  $ 40001 -  45000     4.7             3.9           2.4                    5.6                     
  $ 45001 -  50000     4.3             4.0           2.6                    5.2                     
  $ 50001 -  75000    15.1            18.2          12.6                   20.9                     
  $ 75001 - 100000     8.9            14.9          12.9                   13.6                     
  $100001 - 250000     8.6            23.4          28.7                   13.9                     
  OVER $250,000        1.4            15.3          31.7                    2.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,416           $16                   0.44                     
  $  5001 -  10000                  $7,392          $153                   0.80                     
  $ 10001 -  15000                 $12,470          $425                   1.30                     
  $ 15001 -  20000                 $17,516          $802                   1.61                     
  $ 20001 -  25000                 $22,530        $1,236                   1.87                     
  $ 25001 -  30000                 $27,473        $1,767                   2.00                     
  $ 30001 -  35000                 $32,448        $2,239                   2.14                     
  $ 35001 -  40000                 $37,500        $2,763                   2.32                     
  $ 40001 -  45000                 $42,393        $3,239                   2.55                     
  $ 45001 -  50000                 $47,500        $3,892                   2.64                     
  $ 50001 -  75000                 $61,622        $5,392                   3.00                     
  $ 75001 - 100000                 $85,865        $9,359                   3.32                     
  $100001 - 250000                $139,840       $21,586                   3.52                     
  OVER $250,000                   $560,877      $146,395                   3.25                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $51,385        $6,463                   2.17                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                      
                                                                                                    
****************************SUMMARY OF 2001 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    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   BRIGHAM CITY UT                                                  
                        _________________________________________________                           
  $     1  -  5000      598     $2,067,014        $6,039      0.29         305                      
  $  5001 -  10000      777     $5,725,879      $102,453      1.79         739                      
  $ 10001 -  15000      654     $8,099,608      $254,726      3.14       1,002                      
  $ 15001 -  20000      593    $10,332,447      $425,543      4.12       1,086                      
  $ 20001 -  25000      570    $12,796,838      $719,276      5.62       1,140                      
  $ 25001 -  30000      534    $14,649,429      $891,117      6.08       1,175                      
  $ 30001 -  35000      461    $14,982,490      $970,719      6.48       1,131                      
  $ 35001 -  40000      422    $15,768,053    $1,118,579      7.09       1,128                      
  $ 40001 -  45000      367    $15,577,666    $1,038,098      6.66       1,158                      
  $ 45001 -  50000      302    $14,362,814    $1,027,412      7.15         985                      
  $ 50001 -  75000    1,308    $79,905,120    $6,616,337      8.28       4,652                      
  $ 75001 - 100000      516    $43,516,348    $4,778,492     10.98       1,870                      
  $100001 - 250000      268    $34,380,663    $5,518,900     16.05         888                      
  OVER $250,000          15     $7,535,897    $2,087,357     27.70          39                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              7,385    $279,700,266   $25,555,048      9.14       17,298                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     8.1             0.7           0.0                    1.8                     
  $  5001 -  10000    10.5             2.0           0.4                    4.3                     
  $ 10001 -  15000     8.9             2.9           1.0                    5.8                     
  $ 15001 -  20000     8.0             3.7           1.7                    6.3                     
  $ 20001 -  25000     7.7             4.6           2.8                    6.6                     
  $ 25001 -  30000     7.2             5.2           3.5                    6.8                     
  $ 30001 -  35000     6.2             5.4           3.8                    6.5                     
  $ 35001 -  40000     5.7             5.6           4.4                    6.5                     
  $ 40001 -  45000     5.0             5.6           4.1                    6.7                     
  $ 45001 -  50000     4.1             5.1           4.0                    5.7                     
  $ 50001 -  75000    17.7            28.6          25.9                   26.9                     
  $ 75001 - 100000     7.0            15.6          18.7                   10.8                     
  $100001 - 250000     3.6            12.3          21.6                    5.1                     
  OVER $250,000        0.2             2.7           8.2                    0.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,457           $10                   0.51                     
  $  5001 -  10000                  $7,369          $132                   0.95                     
  $ 10001 -  15000                 $12,385          $389                   1.53                     
  $ 15001 -  20000                 $17,424          $718                   1.83                     
  $ 20001 -  25000                 $22,451        $1,262                   2.00                     
  $ 25001 -  30000                 $27,433        $1,669                   2.20                     
  $ 30001 -  35000                 $32,500        $2,106                   2.45                     
  $ 35001 -  40000                 $37,365        $2,651                   2.67                     
  $ 40001 -  45000                 $42,446        $2,829                   3.16                     
  $ 45001 -  50000                 $47,559        $3,402                   3.26                     
  $ 50001 -  75000                 $61,090        $5,058                   3.56                     
  $ 75001 - 100000                 $84,334        $9,261                   3.62                     
  $100001 - 250000                $128,286       $20,593                   3.31                     
  OVER $250,000                   $502,393      $139,157                   2.60                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $37,874        $3,460                   2.34                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2001 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    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   CEDAR CITY UT                                                    
                        _________________________________________________                           
  $     1  -  5000      815     $2,863,281        $5,019      0.18         547                      
  $  5001 -  10000    1,362    $10,077,195      $165,004      1.64       1,607                      
  $ 10001 -  15000    1,143    $14,207,147      $363,659      2.56       2,031                      
  $ 15001 -  20000      946    $16,511,969      $597,132      3.62       2,003                      
  $ 20001 -  25000      731    $16,388,472      $716,455      4.37       1,709                      
  $ 25001 -  30000      589    $16,147,025      $829,765      5.14       1,473                      
  $ 30001 -  35000      532    $17,239,819      $977,112      5.67       1,494                      
  $ 35001 -  40000      479    $17,950,151    $1,028,366      5.73       1,530                      
  $ 40001 -  45000      401    $17,014,289    $1,064,669      6.26       1,305                      
  $ 45001 -  50000      383    $18,145,888    $1,303,485      7.18       1,212                      
  $ 50001 -  75000    1,222    $74,673,976    $6,130,389      8.21       4,112                      
  $ 75001 - 100000      445    $37,773,004    $4,203,853     11.13       1,482                      
  $100001 - 250000      270    $36,271,238    $5,829,305     16.07         939                      
  OVER $250,000          33    $13,742,367    $3,361,627     24.46         118                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              9,351    $309,005,821   $26,575,840      8.60       21,562                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     8.7             0.9           0.0                    2.5                     
  $  5001 -  10000    14.6             3.3           0.6                    7.5                     
  $ 10001 -  15000    12.2             4.6           1.4                    9.4                     
  $ 15001 -  20000    10.1             5.3           2.2                    9.3                     
  $ 20001 -  25000     7.8             5.3           2.7                    7.9                     
  $ 25001 -  30000     6.3             5.2           3.1                    6.8                     
  $ 30001 -  35000     5.7             5.6           3.7                    6.9                     
  $ 35001 -  40000     5.1             5.8           3.9                    7.1                     
  $ 40001 -  45000     4.3             5.5           4.0                    6.1                     
  $ 45001 -  50000     4.1             5.9           4.9                    5.6                     
  $ 50001 -  75000    13.1            24.2          23.1                   19.1                     
  $ 75001 - 100000     4.8            12.2          15.8                    6.9                     
  $100001 - 250000     2.9            11.7          21.9                    4.4                     
  OVER $250,000        0.4             4.4          12.6                    0.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,513            $6                   0.67                     
  $  5001 -  10000                  $7,399          $121                   1.18                     
  $ 10001 -  15000                 $12,430          $318                   1.78                     
  $ 15001 -  20000                 $17,455          $631                   2.12                     
  $ 20001 -  25000                 $22,419          $980                   2.34                     
  $ 25001 -  30000                 $27,414        $1,409                   2.50                     
  $ 30001 -  35000                 $32,406        $1,837                   2.81                     
  $ 35001 -  40000                 $37,474        $2,147                   3.19                     
  $ 40001 -  45000                 $42,430        $2,655                   3.25                     
  $ 45001 -  50000                 $47,378        $3,403                   3.16                     
  $ 50001 -  75000                 $61,108        $5,017                   3.36                     
  $ 75001 - 100000                 $84,883        $9,447                   3.33                     
  $100001 - 250000                $134,338       $21,590                   3.48                     
  OVER $250,000                   $416,435      $101,867                   3.58                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $33,045        $2,842                   2.31                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2001 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    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   CEDAR HILLS UT                                                   
                        _________________________________________________                           
  $     1  -  5000       89       $309,632          $384      0.12          30                      
  $  5001 -  10000       99       $721,839       $22,330      3.09          64                      
  $ 10001 -  15000       64       $784,182       $22,831      2.91          96                      
  $ 15001 -  20000       37       $638,099       $33,833      5.30          61                      
  $ 20001 -  25000       50     $1,107,700       $54,155      4.89         118                      
  $ 25001 -  30000       32       $872,323       $34,744      3.98          92                      
  $ 30001 -  35000       41     $1,337,834       $79,384      5.93         108                      
  $ 35001 -  40000       37     $1,378,717       $49,661      3.60         122                      
  $ 40001 -  45000       55     $2,343,156       $80,125      3.42         227                      
  $ 45001 -  50000       53     $2,511,093       $70,152      2.79         226                      
  $ 50001 -  75000      241    $15,164,186      $747,868      4.93       1,071                      
  $ 75001 - 100000      222    $19,048,751    $1,435,362      7.54         987                      
  $100001 - 250000      152    $19,596,787    $2,469,112     12.60         689                      
  OVER $250,000          10     $9,150,804    $2,617,788     28.61          54                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,182     $74,965,103    $7,717,729     10.30        3,945                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     7.5             0.4           0.0                    0.8                     
  $  5001 -  10000     8.4             1.0           0.3                    1.6                     
  $ 10001 -  15000     5.4             1.0           0.3                    2.4                     
  $ 15001 -  20000     3.1             0.9           0.4                    1.5                     
  $ 20001 -  25000     4.2             1.5           0.7                    3.0                     
  $ 25001 -  30000     2.7             1.2           0.5                    2.3                     
  $ 30001 -  35000     3.5             1.8           1.0                    2.7                     
  $ 35001 -  40000     3.1             1.8           0.6                    3.1                     
  $ 40001 -  45000     4.7             3.1           1.0                    5.8                     
  $ 45001 -  50000     4.5             3.3           0.9                    5.7                     
  $ 50001 -  75000    20.4            20.2           9.7                   27.1                     
  $ 75001 - 100000    18.8            25.4          18.6                   25.0                     
  $100001 - 250000    12.9            26.1          32.0                   17.5                     
  OVER $250,000        0.8            12.2          33.9                    1.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,479            $4                   0.34                     
  $  5001 -  10000                  $7,291          $226                   0.65                     
  $ 10001 -  15000                 $12,253          $357                   1.50                     
  $ 15001 -  20000                 $17,246          $914                   1.65                     
  $ 20001 -  25000                 $22,154        $1,083                   2.36                     
  $ 25001 -  30000                 $27,260        $1,086                   2.88                     
  $ 30001 -  35000                 $32,630        $1,936                   2.63                     
  $ 35001 -  40000                 $37,263        $1,342                   3.30                     
  $ 40001 -  45000                 $42,603        $1,457                   4.13                     
  $ 45001 -  50000                 $47,379        $1,324                   4.26                     
  $ 50001 -  75000                 $62,922        $3,103                   4.44                     
  $ 75001 - 100000                 $85,805        $6,466                   4.45                     
  $100001 - 250000                $128,926       $16,244                   4.53                     
  OVER $250,000                   $915,080      $261,779                   5.40                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $63,422        $6,529                   3.34                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2001 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    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   CENTERVILLE UT                                                   
                        _________________________________________________                           
  $     1  -  5000      579     $1,971,918       $11,268      0.57         145                      
  $  5001 -  10000      659     $4,877,763      $116,267      2.38         402                      
  $ 10001 -  15000      414     $5,153,375      $200,122      3.88         456                      
  $ 15001 -  20000      375     $6,523,573      $352,977      5.41         518                      
  $ 20001 -  25000      336     $7,512,062      $438,532      5.84         581                      
  $ 25001 -  30000      290     $7,984,924      $508,676      6.37         549                      
  $ 30001 -  35000      212     $6,850,990      $454,233      6.63         455                      
  $ 35001 -  40000      216     $8,079,688      $595,935      7.38         503                      
  $ 40001 -  45000      223     $9,456,943      $693,298      7.33         580                      
  $ 45001 -  50000      219    $10,396,179      $760,223      7.31         598                      
  $ 50001 -  75000    1,008    $62,621,823    $4,794,921      7.66       3,501                      
  $ 75001 - 100000      713    $61,463,704    $6,078,551      9.89       2,711                      
  $100001 - 250000      615    $81,479,979   $12,106,806     14.86       2,402                      
  OVER $250,000          66    $33,608,175    $9,038,196     26.89         283                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              5,925    $307,981,096   $36,150,005     11.74       13,684                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     9.8             0.6           0.0                    1.1                     
  $  5001 -  10000    11.1             1.6           0.3                    2.9                     
  $ 10001 -  15000     7.0             1.7           0.6                    3.3                     
  $ 15001 -  20000     6.3             2.1           1.0                    3.8                     
  $ 20001 -  25000     5.7             2.4           1.2                    4.2                     
  $ 25001 -  30000     4.9             2.6           1.4                    4.0                     
  $ 30001 -  35000     3.6             2.2           1.3                    3.3                     
  $ 35001 -  40000     3.6             2.6           1.6                    3.7                     
  $ 40001 -  45000     3.8             3.1           1.9                    4.2                     
  $ 45001 -  50000     3.7             3.4           2.1                    4.4                     
  $ 50001 -  75000    17.0            20.3          13.3                   25.6                     
  $ 75001 - 100000    12.0            20.0          16.8                   19.8                     
  $100001 - 250000    10.4            26.5          33.5                   17.6                     
  OVER $250,000        1.1            10.9          25.0                    2.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,406           $19                   0.25                     
  $  5001 -  10000                  $7,402          $176                   0.61                     
  $ 10001 -  15000                 $12,448          $483                   1.10                     
  $ 15001 -  20000                 $17,396          $941                   1.38                     
  $ 20001 -  25000                 $22,357        $1,305                   1.73                     
  $ 25001 -  30000                 $27,534        $1,754                   1.89                     
  $ 30001 -  35000                 $32,316        $2,143                   2.15                     
  $ 35001 -  40000                 $37,406        $2,759                   2.33                     
  $ 40001 -  45000                 $42,408        $3,109                   2.60                     
  $ 45001 -  50000                 $47,471        $3,471                   2.73                     
  $ 50001 -  75000                 $62,125        $4,757                   3.47                     
  $ 75001 - 100000                 $86,204        $8,525                   3.80                     
  $100001 - 250000                $132,488       $19,686                   3.91                     
  OVER $250,000                   $509,215      $136,942                   4.29                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $51,980        $6,101                   2.31                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2001 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    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   CLEARFIELD UT                                                    
                        _________________________________________________                           
  $     1  -  5000      601     $2,099,652        $3,009      0.14         485                      
  $  5001 -  10000      959     $7,081,141       $90,285      1.28       1,188                      
  $ 10001 -  15000      976    $12,303,041      $386,594      3.14       1,574                      
  $ 15001 -  20000      947    $16,590,786      $754,021      4.54       1,680                      
  $ 20001 -  25000      920    $20,691,047    $1,138,520      5.50       1,797                      
  $ 25001 -  30000      788    $21,600,550    $1,333,234      6.17       1,711                      
  $ 30001 -  35000      727    $23,555,087    $1,499,822      6.37       1,777                      
  $ 35001 -  40000      745    $27,930,670    $1,938,040      6.94       1,925                      
  $ 40001 -  45000      635    $27,044,003    $1,900,542      7.03       1,862                      
  $ 45001 -  50000      555    $26,333,150    $1,986,881      7.55       1,713                      
  $ 50001 -  75000    1,629    $98,478,984    $8,844,255      8.98       5,066                      
  $ 75001 - 100000      477    $40,491,179    $4,831,914     11.93       1,554                      
  OVER $100,000         178    $22,740,828    $3,816,823     16.78         553                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             10,137    $346,940,118   $28,523,940      8.22       22,885                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     5.9             0.6           0.0                    2.1                     
  $  5001 -  10000     9.5             2.0           0.3                    5.2                     
  $ 10001 -  15000     9.6             3.5           1.4                    6.9                     
  $ 15001 -  20000     9.3             4.8           2.6                    7.3                     
  $ 20001 -  25000     9.1             6.0           4.0                    7.9                     
  $ 25001 -  30000     7.8             6.2           4.7                    7.5                     
  $ 30001 -  35000     7.2             6.8           5.3                    7.8                     
  $ 35001 -  40000     7.3             8.1           6.8                    8.4                     
  $ 40001 -  45000     6.3             7.8           6.7                    8.1                     
  $ 45001 -  50000     5.5             7.6           7.0                    7.5                     
  $ 50001 -  75000    16.1            28.4          31.0                   22.1                     
  $ 75001 - 100000     4.7            11.7          16.9                    6.8                     
  OVER $100,000        1.8             6.6          13.4                    2.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,494            $5                   0.81                     
  $  5001 -  10000                  $7,384           $94                   1.24                     
  $ 10001 -  15000                 $12,606          $396                   1.61                     
  $ 15001 -  20000                 $17,519          $796                   1.77                     
  $ 20001 -  25000                 $22,490        $1,238                   1.95                     
  $ 25001 -  30000                 $27,412        $1,692                   2.17                     
  $ 30001 -  35000                 $32,400        $2,063                   2.44                     
  $ 35001 -  40000                 $37,491        $2,601                   2.58                     
  $ 40001 -  45000                 $42,589        $2,993                   2.93                     
  $ 45001 -  50000                 $47,447        $3,580                   3.09                     
  $ 50001 -  75000                 $60,454        $5,429                   3.11                     
  $ 75001 - 100000                 $84,887       $10,130                   3.26                     
  OVER $100,000                   $127,757       $21,443                   3.11                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $34,225        $2,814                   2.26                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 2001 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    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   CLINTON UT                                                       
                        _________________________________________________                           
  $     1  -  5000      271       $946,294        $1,615      0.17         106                      
  $  5001 -  10000      399     $2,910,856       $58,880      2.02         306                      
  $ 10001 -  15000      335     $4,155,308      $156,612      3.77         415                      
  $ 15001 -  20000      295     $5,176,398      $250,887      4.85         483                      
  $ 20001 -  25000      268     $6,042,853      $337,863      5.59         522                      
  $ 25001 -  30000      261     $7,125,805      $395,476      5.55         593                      
  $ 30001 -  35000      255     $8,290,431      $487,706      5.88         649                      
  $ 35001 -  40000      311    $11,636,083      $675,362      5.80         916                      
  $ 40001 -  45000      322    $13,695,843      $780,997      5.70       1,061                      
  $ 45001 -  50000      321    $15,238,885      $960,396      6.30       1,077                      
  $ 50001 -  75000    1,149    $70,583,667    $5,432,656      7.70       4,054                      
  $ 75001 - 100000      421    $35,931,102    $4,055,094     11.29       1,451                      
  OVER $100,000         124    $17,187,094    $2,633,285     15.32         450                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              4,732    $198,920,619   $16,226,829      8.16       12,083                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     5.7             0.5           0.0                    0.9                     
  $  5001 -  10000     8.4             1.5           0.4                    2.5                     
  $ 10001 -  15000     7.1             2.1           1.0                    3.4                     
  $ 15001 -  20000     6.2             2.6           1.5                    4.0                     
  $ 20001 -  25000     5.7             3.0           2.1                    4.3                     
  $ 25001 -  30000     5.5             3.6           2.4                    4.9                     
  $ 30001 -  35000     5.4             4.2           3.0                    5.4                     
  $ 35001 -  40000     6.6             5.8           4.2                    7.6                     
  $ 40001 -  45000     6.8             6.9           4.8                    8.8                     
  $ 45001 -  50000     6.8             7.7           5.9                    8.9                     
  $ 50001 -  75000    24.3            35.5          33.5                   33.6                     
  $ 75001 - 100000     8.9            18.1          25.0                   12.0                     
  OVER $100,000        2.6             8.6          16.2                    3.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,492            $6                   0.39                     
  $  5001 -  10000                  $7,295          $148                   0.77                     
  $ 10001 -  15000                 $12,404          $467                   1.24                     
  $ 15001 -  20000                 $17,547          $850                   1.64                     
  $ 20001 -  25000                 $22,548        $1,261                   1.95                     
  $ 25001 -  30000                 $27,302        $1,515                   2.27                     
  $ 30001 -  35000                 $32,511        $1,913                   2.55                     
  $ 35001 -  40000                 $37,415        $2,172                   2.95                     
  $ 40001 -  45000                 $42,534        $2,425                   3.30                     
  $ 45001 -  50000                 $47,473        $2,992                   3.36                     
  $ 50001 -  75000                 $61,431        $4,728                   3.53                     
  $ 75001 - 100000                 $85,347        $9,632                   3.45                     
  OVER $100,000                   $138,606       $21,236                   3.63                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $42,037        $3,429                   2.55                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2001 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    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   COALVILLE UT                                                     
                        _________________________________________________                           
  $     1  -  5000       71       $238,396          $730      0.31          20                      
  $  5001 -  10000       80       $610,911       $13,738      2.25          55                      
  $ 10001 -  15000       94     $1,166,792       $34,644      2.97         136                      
  $ 15001 -  20000       76     $1,334,220       $48,618      3.64         145                      
  $ 20001 -  25000       71     $1,600,366       $82,598      5.16         135                      
  $ 25001 -  30000       72     $1,971,632      $140,610      7.13         139                      
  $ 30001 -  35000       65     $2,102,098      $123,468      5.87         174                      
  $ 35001 -  40000       70     $2,623,533      $170,600      6.50         200                      
  $ 40001 -  45000       58     $2,461,308      $143,366      5.82         208                      
  $ 45001 -  50000       48     $2,285,153      $183,339      8.02         136                      
  $ 50001 -  75000      188    $11,722,824      $976,144      8.33         632                      
  $ 75001 - 100000       77     $6,670,748      $742,643     11.13         269                      
  OVER $100,000          36     $7,253,335    $1,514,785     20.88         123                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,006     $42,041,316    $4,175,283      9.93        2,372                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     7.1             0.6           0.0                    0.8                     
  $  5001 -  10000     8.0             1.5           0.3                    2.3                     
  $ 10001 -  15000     9.3             2.8           0.8                    5.7                     
  $ 15001 -  20000     7.6             3.2           1.2                    6.1                     
  $ 20001 -  25000     7.1             3.8           2.0                    5.7                     
  $ 25001 -  30000     7.2             4.7           3.4                    5.9                     
  $ 30001 -  35000     6.5             5.0           3.0                    7.3                     
  $ 35001 -  40000     7.0             6.2           4.1                    8.4                     
  $ 40001 -  45000     5.8             5.9           3.4                    8.8                     
  $ 45001 -  50000     4.8             5.4           4.4                    5.7                     
  $ 50001 -  75000    18.7            27.9          23.4                   26.6                     
  $ 75001 - 100000     7.7            15.9          17.8                   11.3                     
  OVER $100,000        3.6            17.3          36.3                    5.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,358           $10                   0.28                     
  $  5001 -  10000                  $7,636          $172                   0.69                     
  $ 10001 -  15000                 $12,413          $369                   1.45                     
  $ 15001 -  20000                 $17,556          $640                   1.91                     
  $ 20001 -  25000                 $22,540        $1,163                   1.90                     
  $ 25001 -  30000                 $27,384        $1,953                   1.93                     
  $ 30001 -  35000                 $32,340        $1,900                   2.68                     
  $ 35001 -  40000                 $37,479        $2,437                   2.86                     
  $ 40001 -  45000                 $42,436        $2,472                   3.59                     
  $ 45001 -  50000                 $47,607        $3,820                   2.83                     
  $ 50001 -  75000                 $62,355        $5,192                   3.36                     
  $ 75001 - 100000                 $86,633        $9,645                   3.49                     
  OVER $100,000                   $201,482       $42,077                   3.42                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $41,791        $4,150                   2.36                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2001 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    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   DELTA UT                                                         
                        _________________________________________________                           
  $     1  -  5000      193       $668,939        $2,404      0.36         133                      
  $  5001 -  10000      212     $1,545,632       $23,592      1.53         220                      
  $ 10001 -  15000      167     $2,052,555       $45,692      2.23         293                      
  $ 15001 -  20000      145     $2,498,998       $94,272      3.77         342                      
  $ 20001 -  25000      139     $3,109,666       $90,144      2.90         413                      
  $ 25001 -  30000       84     $2,312,034      $105,777      4.58         236                      
  $ 30001 -  35000      100     $3,244,896      $140,952      4.34         339                      
  $ 35001 -  40000       86     $3,225,624      $181,374      5.62         293                      
  $ 40001 -  45000       68     $2,881,392      $163,647      5.68         251                      
  $ 45001 -  50000       61     $2,901,306      $207,327      7.15         210                      
  $ 50001 -  75000      310    $19,190,990    $1,487,575      7.75       1,250                      
  $ 75001 - 100000      130    $10,992,533    $1,215,313     11.06         491                      
  OVER $100,000          41     $5,988,976      $952,041     15.90         165                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,736     $60,613,541    $4,710,110      7.77        4,636                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000    11.1             1.1           0.1                    2.9                     
  $  5001 -  10000    12.2             2.5           0.5                    4.7                     
  $ 10001 -  15000     9.6             3.4           1.0                    6.3                     
  $ 15001 -  20000     8.4             4.1           2.0                    7.4                     
  $ 20001 -  25000     8.0             5.1           1.9                    8.9                     
  $ 25001 -  30000     4.8             3.8           2.2                    5.1                     
  $ 30001 -  35000     5.8             5.4           3.0                    7.3                     
  $ 35001 -  40000     5.0             5.3           3.9                    6.3                     
  $ 40001 -  45000     3.9             4.8           3.5                    5.4                     
  $ 45001 -  50000     3.5             4.8           4.4                    4.5                     
  $ 50001 -  75000    17.9            31.7          31.6                   27.0                     
  $ 75001 - 100000     7.5            18.1          25.8                   10.6                     
  OVER $100,000        2.4             9.9          20.2                    3.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,466           $12                   0.69                     
  $  5001 -  10000                  $7,291          $111                   1.04                     
  $ 10001 -  15000                 $12,291          $274                   1.75                     
  $ 15001 -  20000                 $17,234          $650                   2.36                     
  $ 20001 -  25000                 $22,372          $649                   2.97                     
  $ 25001 -  30000                 $27,524        $1,259                   2.81                     
  $ 30001 -  35000                 $32,449        $1,410                   3.39                     
  $ 35001 -  40000                 $37,507        $2,109                   3.41                     
  $ 40001 -  45000                 $42,373        $2,407                   3.69                     
  $ 45001 -  50000                 $47,562        $3,399                   3.44                     
  $ 50001 -  75000                 $61,906        $4,799                   4.03                     
  $ 75001 - 100000                 $84,558        $9,349                   3.78                     
  OVER $100,000                   $146,073       $23,221                   4.02                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $34,916        $2,713                   2.67                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2001 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    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   DRAPER UT                                                        
                        _________________________________________________                           
  $     1  -  5000      498     $1,730,543       $11,837      0.68         203                      
  $  5001 -  10000      712     $5,287,739      $138,543      2.62         494                      
  $ 10001 -  15000      543     $6,739,572      $236,941      3.52         682                      
  $ 15001 -  20000      448     $7,837,999      $367,902      4.69         729                      
  $ 20001 -  25000      389     $8,761,401      $501,261      5.72         739                      
  $ 25001 -  30000      360     $9,900,909      $602,580      6.09         726                      
  $ 30001 -  35000      333    $10,806,211      $716,666      6.63         698                      
  $ 35001 -  40000      325    $12,151,340      $829,883      6.83         712                      
  $ 40001 -  45000      345    $14,632,566      $976,153      6.67         909                      
  $ 45001 -  50000      322    $15,283,774    $1,149,183      7.52         847                      
  $ 50001 -  75000    1,496    $92,920,042    $7,230,546      7.78       4,677                      
  $ 75001 - 100000    1,094    $95,082,933    $9,023,024      9.49       3,885                      
  $100001 - 250000    1,427   $200,319,359   $29,827,769     14.89       5,225                      
  OVER $250,000         172    $88,464,894   $23,280,516     26.32         664                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,464    $569,919,282   $74,892,804     13.14       21,190                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     5.9             0.3           0.0                    1.0                     
  $  5001 -  10000     8.4             0.9           0.2                    2.3                     
  $ 10001 -  15000     6.4             1.2           0.3                    3.2                     
  $ 15001 -  20000     5.3             1.4           0.5                    3.4                     
  $ 20001 -  25000     4.6             1.5           0.7                    3.5                     
  $ 25001 -  30000     4.3             1.7           0.8                    3.4                     
  $ 30001 -  35000     3.9             1.9           1.0                    3.3                     
  $ 35001 -  40000     3.8             2.1           1.1                    3.4                     
  $ 40001 -  45000     4.1             2.6           1.3                    4.3                     
  $ 45001 -  50000     3.8             2.7           1.5                    4.0                     
  $ 50001 -  75000    17.7            16.3           9.7                   22.1                     
  $ 75001 - 100000    12.9            16.7          12.0                   18.3                     
  $100001 - 250000    16.9            35.1          39.8                   24.7                     
  OVER $250,000        2.0            15.5          31.1                    3.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,475           $24                   0.41                     
  $  5001 -  10000                  $7,427          $195                   0.69                     
  $ 10001 -  15000                 $12,412          $436                   1.26                     
  $ 15001 -  20000                 $17,496          $821                   1.63                     
  $ 20001 -  25000                 $22,523        $1,289                   1.90                     
  $ 25001 -  30000                 $27,503        $1,674                   2.02                     
  $ 30001 -  35000                 $32,451        $2,152                   2.10                     
  $ 35001 -  40000                 $37,389        $2,553                   2.19                     
  $ 40001 -  45000                 $42,413        $2,829                   2.63                     
  $ 45001 -  50000                 $47,465        $3,569                   2.63                     
  $ 50001 -  75000                 $62,112        $4,833                   3.13                     
  $ 75001 - 100000                 $86,913        $8,248                   3.55                     
  $100001 - 250000                $140,378       $20,902                   3.66                     
  OVER $250,000                   $514,331      $135,352                   3.86                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $67,335        $8,848                   2.50                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2001 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    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   DUCHESNE UT                                                      
                        _________________________________________________                           
  $     1  -  5000       84       $302,258          $183      0.06          70                      
  $  5001 -  10000      105       $783,175        $9,394      1.20         141                      
  $ 10001 -  15000       83     $1,016,630       $21,695      2.13         166                      
  $ 15001 -  20000       69     $1,209,361       $37,776      3.12         147                      
  $ 20001 -  25000       67     $1,505,127       $61,914      4.11         146                      
  $ 25001 -  30000       60     $1,656,156       $92,837      5.61         155                      
  $ 30001 -  35000       60     $1,949,366       $92,162      4.73         177                      
  $ 35001 -  40000       58     $2,187,544      $115,925      5.30         205                      
  $ 40001 -  45000       49     $2,063,050      $122,405      5.93         164                      
  $ 45001 -  50000       44     $2,080,985      $145,624      7.00         158                      
  $ 50001 -  75000      109     $6,468,798      $521,034      8.05         402                      
  $ 75001 - 100000       25     $2,070,891      $263,376     12.72          70                      
  OVER $100,000          13     $2,151,611      $466,851     21.70          51                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                826     $25,444,952    $1,951,176      7.67        2,052                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000    10.2             1.2           0.0                    3.4                     
  $  5001 -  10000    12.7             3.1           0.5                    6.9                     
  $ 10001 -  15000    10.0             4.0           1.1                    8.1                     
  $ 15001 -  20000     8.4             4.8           1.9                    7.2                     
  $ 20001 -  25000     8.1             5.9           3.2                    7.1                     
  $ 25001 -  30000     7.3             6.5           4.8                    7.6                     
  $ 30001 -  35000     7.3             7.7           4.7                    8.6                     
  $ 35001 -  40000     7.0             8.6           5.9                   10.0                     
  $ 40001 -  45000     5.9             8.1           6.3                    8.0                     
  $ 45001 -  50000     5.3             8.2           7.5                    7.7                     
  $ 50001 -  75000    13.2            25.4          26.7                   19.6                     
  $ 75001 - 100000     3.0             8.1          13.5                    3.4                     
  OVER $100,000        1.6             8.5          23.9                    2.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,598            $2                   0.83                     
  $  5001 -  10000                  $7,459           $89                   1.34                     
  $ 10001 -  15000                 $12,249          $261                   2.00                     
  $ 15001 -  20000                 $17,527          $547                   2.13                     
  $ 20001 -  25000                 $22,465          $924                   2.18                     
  $ 25001 -  30000                 $27,603        $1,547                   2.58                     
  $ 30001 -  35000                 $32,489        $1,536                   2.95                     
  $ 35001 -  40000                 $37,716        $1,999                   3.53                     
  $ 40001 -  45000                 $42,103        $2,498                   3.35                     
  $ 45001 -  50000                 $47,295        $3,310                   3.59                     
  $ 50001 -  75000                 $59,347        $4,780                   3.69                     
  $ 75001 - 100000                 $82,836       $10,535                   2.80                     
  OVER $100,000                   $165,509       $35,912                   3.92                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,805        $2,362                   2.48                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                    
                                                                                                    
****************************SUMMARY OF 2001 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    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   EAGLE MOUNTAIN UT                                                
                        _________________________________________________                           
  $     1  -  5000       48       $161,198        $2,791      1.73          39                      
  $  5001 -  10000       65       $482,035        $6,696      1.39          91                      
  $ 10001 -  15000       77       $949,414       $23,575      2.48         169                      
  $ 15001 -  20000       79     $1,394,538       $44,742      3.21         182                      
  $ 20001 -  25000       69     $1,555,467       $57,436      3.69         185                      
  $ 25001 -  30000       95     $2,617,057       $93,917      3.59         277                      
  $ 30001 -  35000      115     $3,731,723      $111,096      2.98         393                      
  $ 35001 -  40000      128     $4,779,909      $160,360      3.35         442                      
  $ 40001 -  45000      121     $5,149,024      $192,322      3.74         447                      
  $ 45001 -  50000      127     $6,049,509      $289,767      4.79         466                      
  $ 50001 -  75000      407    $24,236,163    $1,542,178      6.36       1,489                      
  $ 75001 - 100000      120    $10,126,114      $793,869      7.84         503                      
  OVER $100,000          70     $9,429,294    $1,324,128     14.04         286                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,521     $70,661,445    $4,642,877      6.57        4,969                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     3.2             0.2           0.1                    0.8                     
  $  5001 -  10000     4.3             0.7           0.1                    1.8                     
  $ 10001 -  15000     5.1             1.3           0.5                    3.4                     
  $ 15001 -  20000     5.2             2.0           1.0                    3.7                     
  $ 20001 -  25000     4.5             2.2           1.2                    3.7                     
  $ 25001 -  30000     6.2             3.7           2.0                    5.6                     
  $ 30001 -  35000     7.6             5.3           2.4                    7.9                     
  $ 35001 -  40000     8.4             6.8           3.5                    8.9                     
  $ 40001 -  45000     8.0             7.3           4.1                    9.0                     
  $ 45001 -  50000     8.3             8.6           6.2                    9.4                     
  $ 50001 -  75000    26.8            34.3          33.2                   30.0                     
  $ 75001 - 100000     7.9            14.3          17.1                   10.1                     
  OVER $100,000        4.6            13.3          28.5                    5.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,358           $58                   0.81                     
  $  5001 -  10000                  $7,416          $103                   1.40                     
  $ 10001 -  15000                 $12,330          $306                   2.19                     
  $ 15001 -  20000                 $17,652          $566                   2.30                     
  $ 20001 -  25000                 $22,543          $832                   2.68                     
  $ 25001 -  30000                 $27,548          $989                   2.92                     
  $ 30001 -  35000                 $32,450          $966                   3.42                     
  $ 35001 -  40000                 $37,343        $1,253                   3.45                     
  $ 40001 -  45000                 $42,554        $1,589                   3.69                     
  $ 45001 -  50000                 $47,634        $2,282                   3.67                     
  $ 50001 -  75000                 $59,548        $3,789                   3.66                     
  $ 75001 - 100000                 $84,384        $6,616                   4.19                     
  OVER $100,000                   $134,704       $18,916                   4.09                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $46,457        $3,053                   3.27                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                              
                                                                                                    
****************************SUMMARY OF 2001 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    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   EDEN UT                                                          
                        _________________________________________________                           
  $     1  -  5000       71       $250,208          $758      0.30          17                      
  $  5001 -  10000       87       $647,581       $13,065      2.02          73                      
  $ 10001 -  15000       69       $859,594       $28,284      3.29          96                      
  $ 15001 -  20000       57       $977,509       $47,403      4.85          96                      
  $ 20001 -  25000       58     $1,314,390       $74,293      5.65         111                      
  $ 25001 -  30000       37     $1,022,242       $62,664      6.13          70                      
  $ 30001 -  35000       44     $1,435,048       $88,779      6.19         120                      
  $ 35001 -  40000       43     $1,620,372      $131,615      8.12          86                      
  $ 40001 -  45000       39     $1,652,438      $119,026      7.20         111                      
  $ 45001 -  50000       40     $1,886,369      $106,443      5.64         129                      
  $ 50001 -  75000      185    $11,486,616      $958,688      8.35         567                      
  $ 75001 - 100000      130    $11,283,168    $1,271,329     11.27         419                      
  $100001 - 250000      134    $18,241,270    $2,968,275     16.27         421                      
  OVER $250,000          15     $4,963,129    $1,313,646     26.47          42                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,009     $57,639,934    $7,184,268     12.46        2,358                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     7.0             0.4           0.0                    0.7                     
  $  5001 -  10000     8.6             1.1           0.2                    3.1                     
  $ 10001 -  15000     6.8             1.5           0.4                    4.1                     
  $ 15001 -  20000     5.6             1.7           0.7                    4.1                     
  $ 20001 -  25000     5.7             2.3           1.0                    4.7                     
  $ 25001 -  30000     3.7             1.8           0.9                    3.0                     
  $ 30001 -  35000     4.4             2.5           1.2                    5.1                     
  $ 35001 -  40000     4.3             2.8           1.8                    3.6                     
  $ 40001 -  45000     3.9             2.9           1.7                    4.7                     
  $ 45001 -  50000     4.0             3.3           1.5                    5.5                     
  $ 50001 -  75000    18.3            19.9          13.3                   24.0                     
  $ 75001 - 100000    12.9            19.6          17.7                   17.8                     
  $100001 - 250000    13.3            31.6          41.3                   17.9                     
  OVER $250,000        1.5             8.6          18.3                    1.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,524           $11                   0.24                     
  $  5001 -  10000                  $7,443          $150                   0.84                     
  $ 10001 -  15000                 $12,458          $410                   1.39                     
  $ 15001 -  20000                 $17,149          $832                   1.68                     
  $ 20001 -  25000                 $22,662        $1,281                   1.91                     
  $ 25001 -  30000                 $27,628        $1,694                   1.89                     
  $ 30001 -  35000                 $32,615        $2,018                   2.73                     
  $ 35001 -  40000                 $37,683        $3,061                   2.00                     
  $ 40001 -  45000                 $42,370        $3,052                   2.85                     
  $ 45001 -  50000                 $47,159        $2,661                   3.23                     
  $ 50001 -  75000                 $62,090        $5,182                   3.06                     
  $ 75001 - 100000                 $86,794        $9,779                   3.22                     
  $100001 - 250000                $136,129       $22,151                   3.14                     
  OVER $250,000                   $330,875       $87,576                   2.80