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                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $57,126        $7,120                   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                               
                                   EPHRAIM UT                                                       
                        _________________________________________________                           
  $     1  -  5000      134       $468,819          $453      0.10          82                      
  $  5001 -  10000      185     $1,360,052       $19,272      1.42         238                      
  $ 10001 -  15000      126     $1,600,472       $31,100      1.94         272                      
  $ 15001 -  20000      112     $1,940,215       $66,168      3.41         250                      
  $ 20001 -  25000       79     $1,772,127       $63,046      3.56         209                      
  $ 25001 -  30000       74     $2,056,856       $78,207      3.80         239                      
  $ 30001 -  35000       59     $1,924,962       $80,561      4.19         195                      
  $ 35001 -  40000       49     $1,841,929       $81,174      4.41         187                      
  $ 40001 -  45000       43     $1,811,071      $123,115      6.80         140                      
  $ 45001 -  50000       40     $1,902,236      $112,148      5.90         174                      
  $ 50001 -  75000      145     $8,973,904      $632,784      7.05         599                      
  $ 75001 - 100000       58     $4,793,665      $486,611     10.15         215                      
  OVER $100,000          38     $6,518,678    $1,235,097     18.95         132                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,142     $36,964,986    $3,009,736      8.14        2,932                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000    11.7             1.3           0.0                    2.8                     
  $  5001 -  10000    16.2             3.7           0.6                    8.1                     
  $ 10001 -  15000    11.0             4.3           1.0                    9.3                     
  $ 15001 -  20000     9.8             5.2           2.2                    8.5                     
  $ 20001 -  25000     6.9             4.8           2.1                    7.1                     
  $ 25001 -  30000     6.5             5.6           2.6                    8.2                     
  $ 30001 -  35000     5.2             5.2           2.7                    6.7                     
  $ 35001 -  40000     4.3             5.0           2.7                    6.4                     
  $ 40001 -  45000     3.8             4.9           4.1                    4.8                     
  $ 45001 -  50000     3.5             5.1           3.7                    5.9                     
  $ 50001 -  75000    12.7            24.3          21.0                   20.4                     
  $ 75001 - 100000     5.1            13.0          16.2                    7.3                     
  OVER $100,000        3.3            17.6          41.0                    4.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,499            $3                   0.61                     
  $  5001 -  10000                  $7,352          $104                   1.29                     
  $ 10001 -  15000                 $12,702          $247                   2.16                     
  $ 15001 -  20000                 $17,323          $591                   2.23                     
  $ 20001 -  25000                 $22,432          $798                   2.65                     
  $ 25001 -  30000                 $27,795        $1,057                   3.23                     
  $ 30001 -  35000                 $32,626        $1,365                   3.31                     
  $ 35001 -  40000                 $37,590        $1,657                   3.82                     
  $ 40001 -  45000                 $42,118        $2,863                   3.26                     
  $ 45001 -  50000                 $47,556        $2,804                   4.35                     
  $ 50001 -  75000                 $61,889        $4,364                   4.13                     
  $ 75001 - 100000                 $82,649        $8,390                   3.71                     
  OVER $100,000                   $171,544       $32,503                   3.47                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $32,369        $2,635                   2.57                     
                    ______________________________________________________________                  
          # 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                               
                                   FAIRVIEW UT                                                      
                        _________________________________________________                           
  $     1  -  5000       59       $194,919          $417      0.21          45                      
  $  5001 -  10000       95       $696,032        $8,740      1.26         121                      
  $ 10001 -  15000       65       $811,328       $16,565      2.04         133                      
  $ 15001 -  20000       69     $1,189,751       $41,150      3.46         160                      
  $ 20001 -  25000       58     $1,302,494       $56,014      4.30         153                      
  $ 25001 -  30000       49     $1,338,525       $61,730      4.61         147                      
  $ 30001 -  35000       43     $1,392,826       $68,917      4.95         136                      
  $ 35001 -  40000       47     $1,751,998       $91,779      5.24         141                      
  $ 40001 -  45000       49     $2,092,643      $147,804      7.06         164                      
  $ 45001 -  50000       47     $2,234,205      $146,138      6.54         158                      
  $ 50001 -  75000      137     $8,313,123      $680,770      8.19         508                      
  $ 75001 - 100000       32     $2,666,591      $280,388     10.51         109                      
  OVER $100,000          17     $8,915,777    $1,501,367     16.84          73                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                767     $32,900,212    $3,101,779      9.43        2,048                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     7.7             0.6           0.0                    2.2                     
  $  5001 -  10000    12.4             2.1           0.3                    5.9                     
  $ 10001 -  15000     8.5             2.5           0.5                    6.5                     
  $ 15001 -  20000     9.0             3.6           1.3                    7.8                     
  $ 20001 -  25000     7.6             4.0           1.8                    7.5                     
  $ 25001 -  30000     6.4             4.1           2.0                    7.2                     
  $ 30001 -  35000     5.6             4.2           2.2                    6.6                     
  $ 35001 -  40000     6.1             5.3           3.0                    6.9                     
  $ 40001 -  45000     6.4             6.4           4.8                    8.0                     
  $ 45001 -  50000     6.1             6.8           4.7                    7.7                     
  $ 50001 -  75000    17.9            25.3          21.9                   24.8                     
  $ 75001 - 100000     4.2             8.1           9.0                    5.3                     
  OVER $100,000        2.2            27.1          48.4                    3.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,304            $7                   0.76                     
  $  5001 -  10000                  $7,327           $92                   1.27                     
  $ 10001 -  15000                 $12,482          $255                   2.05                     
  $ 15001 -  20000                 $17,243          $596                   2.32                     
  $ 20001 -  25000                 $22,457          $966                   2.64                     
  $ 25001 -  30000                 $27,317        $1,260                   3.00                     
  $ 30001 -  35000                 $32,391        $1,603                   3.16                     
  $ 35001 -  40000                 $37,277        $1,953                   3.00                     
  $ 40001 -  45000                 $42,707        $3,016                   3.35                     
  $ 45001 -  50000                 $47,536        $3,109                   3.36                     
  $ 50001 -  75000                 $60,680        $4,969                   3.71                     
  $ 75001 - 100000                 $83,331        $8,762                   3.41                     
  OVER $100,000                   $524,457       $88,316                   4.29                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $42,895        $4,044                   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                               
                                   FARMINGTON UT                                                    
                        _________________________________________________                           
  $     1  -  5000      438     $1,485,559       $11,453      0.77         115                      
  $  5001 -  10000      450     $3,299,625       $79,625      2.41         269                      
  $ 10001 -  15000      293     $3,627,275      $157,692      4.35         274                      
  $ 15001 -  20000      279     $4,851,056      $229,846      4.74         399                      
  $ 20001 -  25000      225     $5,045,866      $272,672      5.40         417                      
  $ 25001 -  30000      202     $5,525,167      $313,701      5.68         422                      
  $ 30001 -  35000      175     $5,717,243      $373,632      6.54         401                      
  $ 35001 -  40000      198     $7,415,920      $481,908      6.50         517                      
  $ 40001 -  45000      190     $8,067,161      $496,769      6.16         555                      
  $ 45001 -  50000      149     $7,098,315      $461,351      6.50         477                      
  $ 50001 -  75000      754    $46,965,862    $3,436,908      7.32       2,742                      
  $ 75001 - 100000      502    $43,230,997    $4,241,879      9.81       1,855                      
  $100001 - 250000      592    $82,984,750   $12,340,543     14.87       2,385                      
  OVER $250,000          87    $40,077,386   $10,205,577     25.46         355                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              4,534    $265,392,182   $33,103,556     12.47       11,183                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     9.7             0.6           0.0                    1.0                     
  $  5001 -  10000     9.9             1.2           0.2                    2.4                     
  $ 10001 -  15000     6.5             1.4           0.5                    2.5                     
  $ 15001 -  20000     6.2             1.8           0.7                    3.6                     
  $ 20001 -  25000     5.0             1.9           0.8                    3.7                     
  $ 25001 -  30000     4.5             2.1           0.9                    3.8                     
  $ 30001 -  35000     3.9             2.2           1.1                    3.6                     
  $ 35001 -  40000     4.4             2.8           1.5                    4.6                     
  $ 40001 -  45000     4.2             3.0           1.5                    5.0                     
  $ 45001 -  50000     3.3             2.7           1.4                    4.3                     
  $ 50001 -  75000    16.6            17.7          10.4                   24.5                     
  $ 75001 - 100000    11.1            16.3          12.8                   16.6                     
  $100001 - 250000    13.1            31.3          37.3                   21.3                     
  OVER $250,000        1.9            15.1          30.8                    3.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,392           $26                   0.26                     
  $  5001 -  10000                  $7,333          $177                   0.60                     
  $ 10001 -  15000                 $12,380          $538                   0.94                     
  $ 15001 -  20000                 $17,387          $824                   1.43                     
  $ 20001 -  25000                 $22,426        $1,212                   1.85                     
  $ 25001 -  30000                 $27,352        $1,553                   2.09                     
  $ 30001 -  35000                 $32,670        $2,135                   2.29                     
  $ 35001 -  40000                 $37,454        $2,434                   2.61                     
  $ 40001 -  45000                 $42,459        $2,615                   2.92                     
  $ 45001 -  50000                 $47,640        $3,096                   3.20                     
  $ 50001 -  75000                 $62,289        $4,558                   3.64                     
  $ 75001 - 100000                 $86,118        $8,450                   3.70                     
  $100001 - 250000                $140,177       $20,846                   4.03                     
  OVER $250,000                   $460,660      $117,305                   4.08                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $58,534        $7,301                   2.47                     
                    ______________________________________________________________                  
          # 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                               
                                   FARR WEST UT                                                     
                        _________________________________________________                           
  $     1  -  5000       55       $179,526        $1,897      1.06          11                      
  $  5001 -  10000       84       $602,119       $11,878      1.97          58                      
  $ 10001 -  15000       64       $775,125       $32,114      4.14          73                      
  $ 15001 -  20000       52       $905,419       $38,276      4.23          81                      
  $ 20001 -  25000       53     $1,189,742       $69,084      5.81         101                      
  $ 25001 -  30000       55     $1,527,318       $96,796      6.34         115                      
  $ 30001 -  35000       45     $1,452,411       $88,679      6.11         107                      
  $ 35001 -  40000       37     $1,398,384       $94,520      6.76          96                      
  $ 40001 -  45000       46     $1,949,949      $129,089      6.62         149                      
  $ 45001 -  50000       40     $1,894,914      $113,831      6.01         132                      
  $ 50001 -  75000      172    $10,600,367      $815,611      7.69         630                      
  $ 75001 - 100000       90     $7,705,993      $803,339     10.42         308                      
  OVER $100,000          32     $7,294,269    $1,881,822     25.80         123                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                825     $37,475,536    $4,176,936     11.15        1,984                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     6.7             0.5           0.0                    0.6                     
  $  5001 -  10000    10.2             1.6           0.3                    2.9                     
  $ 10001 -  15000     7.8             2.1           0.8                    3.7                     
  $ 15001 -  20000     6.3             2.4           0.9                    4.1                     
  $ 20001 -  25000     6.4             3.2           1.7                    5.1                     
  $ 25001 -  30000     6.7             4.1           2.3                    5.8                     
  $ 30001 -  35000     5.5             3.9           2.1                    5.4                     
  $ 35001 -  40000     4.5             3.7           2.3                    4.8                     
  $ 40001 -  45000     5.6             5.2           3.1                    7.5                     
  $ 45001 -  50000     4.8             5.1           2.7                    6.7                     
  $ 50001 -  75000    20.8            28.3          19.5                   31.8                     
  $ 75001 - 100000    10.9            20.6          19.2                   15.5                     
  OVER $100,000        3.9            19.5          45.1                    6.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,264           $34                   0.20                     
  $  5001 -  10000                  $7,168          $141                   0.69                     
  $ 10001 -  15000                 $12,111          $502                   1.14                     
  $ 15001 -  20000                 $17,412          $736                   1.56                     
  $ 20001 -  25000                 $22,448        $1,303                   1.91                     
  $ 25001 -  30000                 $27,769        $1,760                   2.09                     
  $ 30001 -  35000                 $32,276        $1,971                   2.38                     
  $ 35001 -  40000                 $37,794        $2,555                   2.59                     
  $ 40001 -  45000                 $42,390        $2,806                   3.24                     
  $ 45001 -  50000                 $47,373        $2,846                   3.30                     
  $ 50001 -  75000                 $61,630        $4,742                   3.66                     
  $ 75001 - 100000                 $85,622        $8,926                   3.42                     
  OVER $100,000                   $227,946       $58,807                   3.84                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $45,425        $5,063                   2.40                     
                    ______________________________________________________________                  
          # 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                               
                                   FILLMORE UT                                                      
                        _________________________________________________                           
  $     1  -  5000       89       $306,453           $90      0.03          48                      
  $  5001 -  10000      108       $786,965       $15,967      2.03         137                      
  $ 10001 -  15000       86     $1,061,779       $24,003      2.26         170                      
  $ 15001 -  20000       96     $1,655,041       $59,324      3.58         219                      
  $ 20001 -  25000       68     $1,531,547       $64,262      4.20         179                      
  $ 25001 -  30000       56     $1,539,180       $71,955      4.67         154                      
  $ 30001 -  35000       66     $2,120,802       $92,114      4.34         228                      
  $ 35001 -  40000       56     $2,090,735      $107,257      5.13         194                      
  $ 40001 -  45000       48     $2,041,314      $133,702      6.55         162                      
  $ 45001 -  50000       35     $1,669,495      $121,294      7.27         121                      
  $ 50001 -  75000      129     $7,811,486      $630,712      8.07         478                      
  $ 75001 - 100000       46     $3,926,642      $430,733     10.97         153                      
  $100001 - 250000       26     $3,353,781      $568,307     16.95          80                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                909     $29,895,220    $2,319,720      7.76        2,323                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     9.8             1.0           0.0                    2.1                     
  $  5001 -  10000    11.9             2.6           0.7                    5.9                     
  $ 10001 -  15000     9.5             3.6           1.0                    7.3                     
  $ 15001 -  20000    10.6             5.5           2.6                    9.4                     
  $ 20001 -  25000     7.5             5.1           2.8                    7.7                     
  $ 25001 -  30000     6.2             5.1           3.1                    6.6                     
  $ 30001 -  35000     7.3             7.1           4.0                    9.8                     
  $ 35001 -  40000     6.2             7.0           4.6                    8.4                     
  $ 40001 -  45000     5.3             6.8           5.8                    7.0                     
  $ 45001 -  50000     3.9             5.6           5.2                    5.2                     
  $ 50001 -  75000    14.2            26.1          27.2                   20.6                     
  $ 75001 - 100000     5.1            13.1          18.6                    6.6                     
  $100001 - 250000     2.9            11.2          24.5                    3.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,443            $1                   0.54                     
  $  5001 -  10000                  $7,287          $148                   1.27                     
  $ 10001 -  15000                 $12,346          $279                   1.98                     
  $ 15001 -  20000                 $17,240          $618                   2.28                     
  $ 20001 -  25000                 $22,523          $945                   2.63                     
  $ 25001 -  30000                 $27,485        $1,285                   2.75                     
  $ 30001 -  35000                 $32,133        $1,396                   3.45                     
  $ 35001 -  40000                 $37,335        $1,915                   3.46                     
  $ 40001 -  45000                 $42,527        $2,785                   3.38                     
  $ 45001 -  50000                 $47,700        $3,466                   3.46                     
  $ 50001 -  75000                 $60,554        $4,889                   3.71                     
  $ 75001 - 100000                 $85,362        $9,364                   3.33                     
  $100001 - 250000                $128,992       $21,858                   3.08                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $32,888        $2,552                   2.56                     
                    ______________________________________________________________                  
          # 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                               
                                   FRUIT HEIGHTS UT                                                 
                        _________________________________________________                           
  $     1  -  5000      164       $550,423        $3,434      0.62          23                      
  $  5001 -  10000      158     $1,129,376       $32,672      2.89          47                      
  $ 10001 -  15000      135     $1,670,671       $67,535      4.04         125                      
  $ 15001 -  20000      104     $1,797,021      $104,577      5.82         123                      
  $ 20001 -  25000       83     $1,870,032      $118,670      6.35         134                      
  $ 25001 -  30000       64     $1,741,880      $118,283      6.79         113                      
  $ 30001 -  35000       51     $1,639,085      $120,709      7.36          95                      
  $ 35001 -  40000       59     $2,207,830      $162,359      7.35         133                      
  $ 40001 -  45000       50     $2,124,879      $145,184      6.83         127                      
  $ 45001 -  50000       51     $2,440,617      $204,202      8.37         117                      
  $ 50001 -  75000      226    $14,327,782    $1,075,321      7.51         816                      
  $ 75001 - 100000      197    $17,185,037    $1,627,000      9.47         793                      
  $100001 - 250000      238    $33,506,913    $5,028,409     15.01         959                      
  OVER $250,000          29    $17,563,622    $4,364,193     24.85         126                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,609     $99,755,168   $13,172,548     13.20        3,731                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000    10.2             0.6           0.0                    0.6                     
  $  5001 -  10000     9.8             1.1           0.2                    1.3                     
  $ 10001 -  15000     8.4             1.7           0.5                    3.4                     
  $ 15001 -  20000     6.5             1.8           0.8                    3.3                     
  $ 20001 -  25000     5.2             1.9           0.9                    3.6                     
  $ 25001 -  30000     4.0             1.7           0.9                    3.0                     
  $ 30001 -  35000     3.2             1.6           0.9                    2.5                     
  $ 35001 -  40000     3.7             2.2           1.2                    3.6                     
  $ 40001 -  45000     3.1             2.1           1.1                    3.4                     
  $ 45001 -  50000     3.2             2.4           1.6                    3.1                     
  $ 50001 -  75000    14.0            14.4           8.2                   21.9                     
  $ 75001 - 100000    12.2            17.2          12.4                   21.3                     
  $100001 - 250000    14.8            33.6          38.2                   25.7                     
  OVER $250,000        1.8            17.6          33.1                    3.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,356           $21                   0.14                     
  $  5001 -  10000                  $7,148          $207                   0.30                     
  $ 10001 -  15000                 $12,375          $500                   0.93                     
  $ 15001 -  20000                 $17,279        $1,006                   1.18                     
  $ 20001 -  25000                 $22,531        $1,430                   1.61                     
  $ 25001 -  30000                 $27,217        $1,848                   1.77                     
  $ 30001 -  35000                 $32,139        $2,367                   1.86                     
  $ 35001 -  40000                 $37,421        $2,752                   2.25                     
  $ 40001 -  45000                 $42,498        $2,904                   2.54                     
  $ 45001 -  50000                 $47,855        $4,004                   2.29                     
  $ 50001 -  75000                 $63,397        $4,758                   3.61                     
  $ 75001 - 100000                 $87,234        $8,259                   4.03                     
  $100001 - 250000                $140,785       $21,128                   4.03                     
  OVER $250,000                   $605,642      $150,489                   4.34                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $61,998        $8,187                   2.32                     
                    ______________________________________________________________                  
          # 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                               
                                   GARLAND UT                                                       
                        _________________________________________________                           
  $     1  -  5000      100       $353,116          $230      0.07          42                      
  $  5001 -  10000      117       $863,485       $16,562      1.92          99                      
  $ 10001 -  15000      104     $1,308,839       $38,840      2.97         159                      
  $ 15001 -  20000       89     $1,566,057       $61,635      3.94         168                      
  $ 20001 -  25000       86     $1,946,266       $93,393      4.80         218                      
  $ 25001 -  30000       79     $2,184,988      $120,719      5.52         196                      
  $ 30001 -  35000       92     $2,994,407      $154,939      5.17         281                      
  $ 35001 -  40000       78     $2,915,514      $171,100      5.87         234                      
  $ 40001 -  45000       76     $3,224,828      $198,052      6.14         265                      
  $ 45001 -  50000       80     $3,799,831      $230,032      6.05         305                      
  $ 50001 -  75000      218    $13,073,561      $963,727      7.37         862                      
  $ 75001 - 100000       67     $5,761,559      $632,218     10.97         274                      
  OVER $100,000          23     $3,135,062      $480,955     15.34          81                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,209     $43,127,513    $3,162,402      7.33        3,184                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     8.3             0.8           0.0                    1.3                     
  $  5001 -  10000     9.7             2.0           0.5                    3.1                     
  $ 10001 -  15000     8.6             3.0           1.2                    5.0                     
  $ 15001 -  20000     7.4             3.6           1.9                    5.3                     
  $ 20001 -  25000     7.1             4.5           3.0                    6.8                     
  $ 25001 -  30000     6.5             5.1           3.8                    6.2                     
  $ 30001 -  35000     7.6             6.9           4.9                    8.8                     
  $ 35001 -  40000     6.5             6.8           5.4                    7.3                     
  $ 40001 -  45000     6.3             7.5           6.3                    8.3                     
  $ 45001 -  50000     6.6             8.8           7.3                    9.6                     
  $ 50001 -  75000    18.0            30.3          30.5                   27.1                     
  $ 75001 - 100000     5.5            13.4          20.0                    8.6                     
  OVER $100,000        1.9             7.3          15.2                    2.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,531            $2                   0.42                     
  $  5001 -  10000                  $7,380          $142                   0.85                     
  $ 10001 -  15000                 $12,585          $373                   1.53                     
  $ 15001 -  20000                 $17,596          $693                   1.89                     
  $ 20001 -  25000                 $22,631        $1,086                   2.53                     
  $ 25001 -  30000                 $27,658        $1,528                   2.48                     
  $ 30001 -  35000                 $32,548        $1,684                   3.05                     
  $ 35001 -  40000                 $37,378        $2,194                   3.00                     
  $ 40001 -  45000                 $42,432        $2,606                   3.49                     
  $ 45001 -  50000                 $47,498        $2,875                   3.81                     
  $ 50001 -  75000                 $59,970        $4,421                   3.95                     
  $ 75001 - 100000                 $85,993        $9,436                   4.09                     
  OVER $100,000                   $136,307       $20,911                   3.52                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $35,672        $2,616                   2.63                     
                    ______________________________________________________________                  
          # 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                               
                                   GRANTSVILLE                                                      
                        _________________________________________________                           
  $     1  -  5000      161       $555,655        $1,262      0.23          93                      
  $  5001 -  10000      238     $1,744,872       $28,753      1.65         226                      
  $ 10001 -  15000      173     $2,125,335       $58,145      2.74         277                      
  $ 15001 -  20000      181     $3,176,158      $151,478      4.77         303                      
  $ 20001 -  25000      167     $3,746,225      $193,126      5.16         341                      
  $ 25001 -  30000      181     $4,960,750      $299,696      6.04         398                      
  $ 30001 -  35000      174     $5,646,036      $331,268      5.87         471                      
  $ 35001 -  40000      143     $5,385,347      $367,028      6.82         406                      
  $ 40001 -  45000      144     $6,105,794      $442,873      7.25         404                      
  $ 45001 -  50000      156     $7,422,180      $524,784      7.07         494                      
  $ 50001 -  75000      512    $31,362,338    $2,512,753      8.01       1,783                      
  $ 75001 - 100000      197    $16,615,916    $1,790,271     10.77         697                      
  OVER $100,000          95    $12,242,068    $1,922,076     15.70         342                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,522    $101,088,674    $8,623,513      8.53        6,235                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     6.4             0.5           0.0                    1.5                     
  $  5001 -  10000     9.4             1.7           0.3                    3.6                     
  $ 10001 -  15000     6.9             2.1           0.7                    4.4                     
  $ 15001 -  20000     7.2             3.1           1.8                    4.9                     
  $ 20001 -  25000     6.6             3.7           2.2                    5.5                     
  $ 25001 -  30000     7.2             4.9           3.5                    6.4                     
  $ 30001 -  35000     6.9             5.6           3.8                    7.6                     
  $ 35001 -  40000     5.7             5.3           4.3                    6.5                     
  $ 40001 -  45000     5.7             6.0           5.1                    6.5                     
  $ 45001 -  50000     6.2             7.3           6.1                    7.9                     
  $ 50001 -  75000    20.3            31.0          29.1                   28.6                     
  $ 75001 - 100000     7.8            16.4          20.8                   11.2                     
  OVER $100,000        3.8            12.1          22.3                    5.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,451            $8                   0.58                     
  $  5001 -  10000                  $7,331          $121                   0.95                     
  $ 10001 -  15000                 $12,285          $336                   1.60                     
  $ 15001 -  20000                 $17,548          $837                   1.67                     
  $ 20001 -  25000                 $22,432        $1,156                   2.04                     
  $ 25001 -  30000                 $27,407        $1,656                   2.20                     
  $ 30001 -  35000                 $32,448        $1,904                   2.71                     
  $ 35001 -  40000                 $37,660        $2,567                   2.84                     
  $ 40001 -  45000                 $42,401        $3,076                   2.81                     
  $ 45001 -  50000                 $47,578        $3,364                   3.17                     
  $ 50001 -  75000                 $61,255        $4,908                   3.48                     
  $ 75001 - 100000                 $84,345        $9,088                   3.54                     
  OVER $100,000                   $128,864       $20,232                   3.60                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $40,083        $3,419                   2.47                     
                    ______________________________________________________________                  
          # 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                               
                                   HEBER CITY UT                                                    
                        _________________________________________________                           
  $     1  -  5000      323     $1,099,283        $3,185      0.29         143                      
  $  5001 -  10000      434     $3,147,954       $48,598      1.54         431                      
  $ 10001 -  15000      397     $4,949,994      $164,000      3.31         621                      
  $ 15001 -  20000      363     $6,386,356      $269,764      4.22         699                      
  $ 20001 -  25000      308     $6,903,202      $333,662      4.83         684                      
  $ 25001 -  30000      302     $8,339,261      $459,080      5.51         695                      
  $ 30001 -  35000      270     $8,788,320      $501,637      5.71         698                      
  $ 35001 -  40000      254     $9,571,229      $593,409      6.20         730                      
  $ 40001 -  45000      218     $9,240,401      $561,123      6.07         692                      
  $ 45001 -  50000      214    $10,145,760      $650,070      6.41         715                      
  $ 50001 -  75000      764    $46,382,928    $3,542,104      7.64       2,586                      
  $ 75001 - 100000      300    $25,734,705    $2,502,210      9.72       1,074                      
  $100001 - 250000      232    $32,100,835    $4,972,797     15.49         772                      
  OVER $250,000          39    $21,823,998    $5,845,838     26.79         134                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              4,418    $194,614,226   $20,447,477     10.51       10,674                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     7.3             0.6           0.0                    1.3                     
  $  5001 -  10000     9.8             1.6           0.2                    4.0                     
  $ 10001 -  15000     9.0             2.5           0.8                    5.8                     
  $ 15001 -  20000     8.2             3.3           1.3                    6.5                     
  $ 20001 -  25000     7.0             3.5           1.6                    6.4                     
  $ 25001 -  30000     6.8             4.3           2.2                    6.5                     
  $ 30001 -  35000     6.1             4.5           2.5                    6.5                     
  $ 35001 -  40000     5.7             4.9           2.9                    6.8                     
  $ 40001 -  45000     4.9             4.7           2.7                    6.5                     
  $ 45001 -  50000     4.8             5.2           3.2                    6.7                     
  $ 50001 -  75000    17.3            23.8          17.3                   24.2                     
  $ 75001 - 100000     6.8            13.2          12.2                   10.1                     
  $100001 - 250000     5.3            16.5          24.3                    7.2                     
  OVER $250,000        0.9            11.2          28.6                    1.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,403           $10                   0.44                     
  $  5001 -  10000                  $7,253          $112                   0.99                     
  $ 10001 -  15000                 $12,468          $413                   1.56                     
  $ 15001 -  20000                 $17,593          $743                   1.93                     
  $ 20001 -  25000                 $22,413        $1,083                   2.22                     
  $ 25001 -  30000                 $27,613        $1,520                   2.30                     
  $ 30001 -  35000                 $32,549        $1,858                   2.59                     
  $ 35001 -  40000                 $37,682        $2,336                   2.87                     
  $ 40001 -  45000                 $42,387        $2,574                   3.17                     
  $ 45001 -  50000                 $47,410        $3,038                   3.34                     
  $ 50001 -  75000                 $60,711        $4,636                   3.38                     
  $ 75001 - 100000                 $85,782        $8,341                   3.58                     
  $100001 - 250000                $138,366       $21,434                   3.33                     
  OVER $250,000                   $559,590      $149,893                   3.44                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $44,050        $4,628                   2.42                     
                    ______________________________________________________________                  
          # 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                               
                                   HELPER UT                                                        
                        _________________________________________________                           
  $     1  -  5000      115       $399,687          $812      0.20          89                      
  $  5001 -  10000      164     $1,231,471       $12,650      1.03         202                      
  $ 10001 -  15000      167     $2,089,803       $69,447      3.32         270                      
  $ 15001 -  20000      115     $1,981,561       $74,625      3.77         211                      
  $ 20001 -  25000       85     $1,912,449      $102,305      5.35         174                      
  $ 25001 -  30000      103     $2,850,694      $195,019      6.84         207                      
  $ 30001 -  35000      100     $3,251,317      $224,290      6.90         253                      
  $ 35001 -  40000       96     $3,588,957      $288,175      8.03         236                      
  $ 40001 -  45000       63     $2,678,127      $216,366      8.08         171                      
  $ 45001 -  50000       70     $3,333,268      $279,346      8.38         202                      
  $ 50001 -  75000      265    $16,407,617    $1,636,826      9.98         802                      
  $ 75001 - 100000      100     $8,560,094    $1,147,670     13.41         314                      
  OVER $100,000          49     $6,445,263    $1,141,116     17.70         154                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,492     $54,730,308    $5,388,647      9.85        3,285                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     7.7             0.7           0.0                    2.7                     
  $  5001 -  10000    11.0             2.3           0.2                    6.1                     
  $ 10001 -  15000    11.2             3.8           1.3                    8.2                     
  $ 15001 -  20000     7.7             3.6           1.4                    6.4                     
  $ 20001 -  25000     5.7             3.5           1.9                    5.3                     
  $ 25001 -  30000     6.9             5.2           3.6                    6.3                     
  $ 30001 -  35000     6.7             5.9           4.2                    7.7                     
  $ 35001 -  40000     6.4             6.6           5.3                    7.2                     
  $ 40001 -  45000     4.2             4.9           4.0                    5.2                     
  $ 45001 -  50000     4.7             6.1           5.2                    6.1                     
  $ 50001 -  75000    17.8            30.0          30.4                   24.4                     
  $ 75001 - 100000     6.7            15.6          21.3                    9.6                     
  OVER $100,000        3.3            11.8          21.2                    4.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,476            $7                   0.77                     
  $  5001 -  10000                  $7,509           $77                   1.23                     
  $ 10001 -  15000                 $12,514          $416                   1.62                     
  $ 15001 -  20000                 $17,231          $649                   1.83                     
  $ 20001 -  25000                 $22,499        $1,204                   2.05                     
  $ 25001 -  30000                 $27,677        $1,893                   2.01                     
  $ 30001 -  35000                 $32,513        $2,243                   2.53                     
  $ 35001 -  40000                 $37,385        $3,002                   2.46                     
  $ 40001 -  45000                 $42,510        $3,434                   2.71                     
  $ 45001 -  50000                 $47,618        $3,991                   2.89                     
  $ 50001 -  75000                 $61,916        $6,177                   3.03                     
  $ 75001 - 100000                 $85,601       $11,477                   3.14                     
  OVER $100,000                   $131,536       $23,288                   3.14                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $36,683        $3,612                   2.20                     
                    ______________________________________________________________                  
          # 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                               
                                   HERRIMAN UT                                                      
                        _________________________________________________                           
  $     1  -  5000       66       $225,914          $632      0.28          27                      
  $  5001 -  10000       87       $653,414       $13,632      2.09          71                      
  $ 10001 -  15000       67       $820,808       $25,399      3.09          95                      
  $ 15001 -  20000       89     $1,547,780       $76,305      4.93         171                      
  $ 20001 -  25000       84     $1,873,930      $101,544      5.42         158                      
  $ 25001 -  30000       76     $2,072,421      $125,869      6.07         160                      
  $ 30001 -  35000       74     $2,379,180      $118,967      5.00         212                      
  $ 35001 -  40000       79     $2,979,431      $155,895      5.23         239                      
  $ 40001 -  45000       87     $3,699,476      $193,255      5.22         261                      
  $ 45001 -  50000      107     $5,115,442      $294,750      5.76         362                      
  $ 50001 -  75000      469    $28,698,505    $2,007,038      6.99       1,617                      
  $ 75001 - 100000      178    $15,315,093    $1,515,343      9.89         611                      
  OVER $100,000          90    $12,465,459    $1,844,558     14.80         322                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,553     $77,846,853    $6,473,187      8.32        4,306                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     4.2             0.3           0.0                    0.6                     
  $  5001 -  10000     5.6             0.8           0.2                    1.6                     
  $ 10001 -  15000     4.3             1.1           0.4                    2.2                     
  $ 15001 -  20000     5.7             2.0           1.2                    4.0                     
  $ 20001 -  25000     5.4             2.4           1.6                    3.7                     
  $ 25001 -  30000     4.9             2.7           1.9                    3.7                     
  $ 30001 -  35000     4.8             3.1           1.8                    4.9                     
  $ 35001 -  40000     5.1             3.8           2.4                    5.6                     
  $ 40001 -  45000     5.6             4.8           3.0                    6.1                     
  $ 45001 -  50000     6.9             6.6           4.6                    8.4                     
  $ 50001 -  75000    30.2            36.9          31.0                   37.6                     
  $ 75001 - 100000    11.5            19.7          23.4                   14.2                     
  OVER $100,000        5.8            16.0          28.5                    7.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,423           $10                   0.41                     
  $  5001 -  10000                  $7,511          $157                   0.82                     
  $ 10001 -  15000                 $12,251          $379                   1.42                     
  $ 15001 -  20000                 $17,391          $857                   1.92                     
  $ 20001 -  25000                 $22,309        $1,209                   1.88                     
  $ 25001 -  30000                 $27,269        $1,656                   2.11                     
  $ 30001 -  35000                 $32,151        $1,608                   2.86                     
  $ 35001 -  40000                 $37,714        $1,973                   3.03                     
  $ 40001 -  45000                 $42,523        $2,221                   3.00                     
  $ 45001 -  50000                 $47,808        $2,755                   3.38                     
  $ 50001 -  75000                 $61,191        $4,279                   3.45                     
  $ 75001 - 100000                 $86,040        $8,513                   3.43                     
  OVER $100,000                   $138,505       $20,495                   3.58                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $50,127        $4,168                   2.77                     
                    ______________________________________________________________                  
          # 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                               
                                   HIGHLAND UT                                                      
                        _________________________________________________                           
  $     1  -  5000      290       $967,292        $5,792      0.60          74                      
  $  5001 -  10000      334     $2,451,711       $69,288      2.83         223                      
  $ 10001 -  15000      195     $2,397,762       $90,219      3.76         236                      
  $ 15001 -  20000      159     $2,777,387      $126,516      4.56         249                      
  $ 20001 -  25000      142     $3,172,404      $168,097      5.30         278                      
  $ 25001 -  30000       84     $2,289,255      $122,986      5.37         208                      
  $ 30001 -  35000       76     $2,485,636      $147,355      5.93         192                      
  $ 35001 -  40000       81     $3,011,340      $110,733      3.68         292                      
  $ 40001 -  45000       86     $3,648,432      $188,755      5.17         287                      
  $ 45001 -  50000       90     $4,288,876      $245,204      5.72         317                      
  $ 50001 -  75000      450    $28,124,061    $1,670,525      5.94       1,870                      
  $ 75001 - 100000      349    $30,271,012    $2,370,183      7.83       1,616                      
  $100001 - 250000      436    $61,486,947    $8,459,189     13.76       2,039                      
  OVER $250,000          47    $21,687,854    $5,062,347     23.34         207                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,819    $169,059,969   $18,837,189     11.14        8,088                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000    10.3             0.6           0.0                    0.9                     
  $  5001 -  10000    11.8             1.5           0.4                    2.8                     
  $ 10001 -  15000     6.9             1.4           0.5                    2.9                     
  $ 15001 -  20000     5.6             1.6           0.7                    3.1                     
  $ 20001 -  25000     5.0             1.9           0.9                    3.4                     
  $ 25001 -  30000     3.0             1.4           0.7                    2.6                     
  $ 30001 -  35000     2.7             1.5           0.8                    2.4                     
  $ 35001 -  40000     2.9             1.8           0.6                    3.6                     
  $ 40001 -  45000     3.1             2.2           1.0                    3.5                     
  $ 45001 -  50000     3.2             2.5           1.3                    3.9                     
  $ 50001 -  75000    16.0            16.6           8.9                   23.1                     
  $ 75001 - 100000    12.4            17.9          12.6                   20.0                     
  $100001 - 250000    15.5            36.4          44.9                   25.2                     
  OVER $250,000        1.7            12.8          26.9                    2.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,335           $20                   0.26                     
  $  5001 -  10000                  $7,340          $207                   0.67                     
  $ 10001 -  15000                 $12,296          $463                   1.21                     
  $ 15001 -  20000                 $17,468          $796                   1.57                     
  $ 20001 -  25000                 $22,341        $1,184                   1.96                     
  $ 25001 -  30000                 $27,253        $1,464                   2.48                     
  $ 30001 -  35000                 $32,706        $1,939                   2.53                     
  $ 35001 -  40000                 $37,177        $1,367                   3.60                     
  $ 40001 -  45000                 $42,424        $2,195                   3.34                     
  $ 45001 -  50000                 $47,654        $2,724                   3.52                     
  $ 50001 -  75000                 $62,498        $3,712                   4.16                     
  $ 75001 - 100000                 $86,736        $6,791                   4.63                     
  $100001 - 250000                $141,025       $19,402                   4.68                     
  OVER $250,000                   $461,444      $107,710                   4.40                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $59,972        $6,682                   2.87                     
                    ______________________________________________________________                  
          # 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                               
                                   HILL AFB UT                                                      
                        _________________________________________________                           
  $     1  -  5000       45       $165,467           $62      0.04          18                      
  $  5001 -  10000      100       $762,050       $15,306      2.01          71                      
  $ 10001 -  15000      257     $3,364,818      $147,931      4.40         339                      
  $ 15001 -  20000      210     $3,656,240      $160,608      4.39         407                      
  $ 20001 -  25000      235     $5,272,741      $160,192      3.04         659                      
  $ 25001 -  30000      216     $5,960,399      $179,618      3.01         712                      
  $ 30001 -  35000      150     $4,860,586      $163,873      3.37         528                      
  $ 35001 -  40000      120     $4,474,741      $205,971      4.60         422                      
  $ 40001 -  45000       89     $3,788,198      $212,291      5.60         324                      
  $ 45001 -  50000       85     $3,993,054      $263,017      6.59         305                      
  $ 50001 -  75000      159     $9,220,729      $774,122      8.40         577                      
  $ 75001 - 100000       32     $2,741,560      $369,089     13.46         106                      
  $100001 - 250000       17     $2,048,873      $351,877     17.17          60                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,715     $50,309,456    $3,003,957      5.97        4,528                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     2.6             0.3           0.0                    0.4                     
  $  5001 -  10000     5.8             1.5           0.5                    1.6                     
  $ 10001 -  15000    15.0             6.7           4.9                    7.5                     
  $ 15001 -  20000    12.2             7.3           5.3                    9.0                     
  $ 20001 -  25000    13.7            10.5           5.3                   14.6                     
  $ 25001 -  30000    12.6            11.8           6.0                   15.7                     
  $ 30001 -  35000     8.7             9.7           5.5                   11.7                     
  $ 35001 -  40000     7.0             8.9           6.9                    9.3                     
  $ 40001 -  45000     5.2             7.5           7.1                    7.2                     
  $ 45001 -  50000     5.0             7.9           8.8                    6.7                     
  $ 50001 -  75000     9.3            18.3          25.8                   12.7                     
  $ 75001 - 100000     1.9             5.4          12.3                    2.3                     
  $100001 - 250000     1.0             4.1          11.7                    1.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,677            $1                   0.40                     
  $  5001 -  10000                  $7,621          $153                   0.71                     
  $ 10001 -  15000                 $13,093          $576                   1.32                     
  $ 15001 -  20000                 $17,411          $765                   1.94                     
  $ 20001 -  25000                 $22,437          $682                   2.80                     
  $ 25001 -  30000                 $27,594          $832                   3.30                     
  $ 30001 -  35000                 $32,404        $1,092                   3.52                     
  $ 35001 -  40000                 $37,290        $1,716                   3.52                     
  $ 40001 -  45000                 $42,564        $2,385                   3.64                     
  $ 45001 -  50000                 $46,977        $3,094                   3.59                     
  $ 50001 -  75000                 $57,992        $4,869                   3.63                     
  $ 75001 - 100000                 $85,674       $11,534                   3.31                     
  $100001 - 250000                $120,522       $20,699                   3.53                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $29,335        $1,752                   2.64                     
                    ______________________________________________________________                  
          # 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                               
                                   HOLLADAY UT                                                      
                        _________________________________________________                           
  $     1  -  5000      118       $401,253        $2,645      0.66          65                      
  $  5001 -  10000      220     $1,664,040       $28,800      1.73         213                      
  $ 10001 -  15000      188     $2,357,059       $75,915      3.22         245                      
  $ 15001 -  20000      185     $3,240,122      $159,339      4.92         283                      
  $ 20001 -  25000      157     $3,519,489      $222,417      6.32         259                      
  $ 25001 -  30000      169     $4,666,333      $355,157      7.61         280                      
  $ 30001 -  35000      124     $4,011,845      $285,732      7.12         238                      
  $ 35001 -  40000      108     $4,030,141      $309,779      7.69         237                      
  $ 40001 -  45000       88     $3,712,992      $315,729      8.50         186                      
  $ 45001 -  50000       91     $4,321,110      $385,223      8.91         215                      
  $ 50001 -  75000      237    $14,572,356    $1,435,461      9.85         619                      
  $ 75001 - 100000      145    $12,432,729    $1,378,222     11.09         423                      
  $100001 - 250000      161    $23,447,899    $3,861,565     16.47         537                      
  OVER $250,000          29    $22,843,162    $6,115,433     26.77         104                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,020    $105,220,530   $14,931,417     14.19        3,904                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     5.8             0.4           0.0                    1.7                     
  $  5001 -  10000    10.9             1.6           0.2                    5.5                     
  $ 10001 -  15000     9.3             2.2           0.5                    6.3                     
  $ 15001 -  20000     9.2             3.1           1.1                    7.2                     
  $ 20001 -  25000     7.8             3.3           1.5                    6.6                     
  $ 25001 -  30000     8.4             4.4           2.4                    7.2                     
  $ 30001 -  35000     6.1             3.8           1.9                    6.1                     
  $ 35001 -  40000     5.3             3.8           2.1                    6.1                     
  $ 40001 -  45000     4.4             3.5           2.1                    4.8                     
  $ 45001 -  50000     4.5             4.1           2.6                    5.5                     
  $ 50001 -  75000    11.7            13.8           9.6                   15.9                     
  $ 75001 - 100000     7.2            11.8           9.2                   10.8                     
  $100001 - 250000     8.0            22.3          25.9                   13.8                     
  OVER $250,000        1.4            21.7          41.0                    2.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,400           $22                   0.55                     
  $  5001 -  10000                  $7,564          $131                   0.97                     
  $ 10001 -  15000                 $12,538          $404                   1.30                     
  $ 15001 -  20000                 $17,514          $861                   1.53                     
  $ 20001 -  25000                 $22,417        $1,417                   1.65                     
  $ 25001 -  30000                 $27,611        $2,102                   1.66                     
  $ 30001 -  35000                 $32,354        $2,304                   1.92                     
  $ 35001 -  40000                 $37,316        $2,868                   2.19                     
  $ 40001 -  45000                 $42,193        $3,588                   2.11                     
  $ 45001 -  50000                 $47,485        $4,233                   2.36                     
  $ 50001 -  75000                 $61,487        $6,057                   2.61                     
  $ 75001 - 100000                 $85,743        $9,505                   2.92                     
  $100001 - 250000                $145,639       $23,985                   3.34                     
  OVER $250,000                   $787,695      $210,877                   3.59                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $52,089        $7,392                   1.93                     
                    ______________________________________________________________                  
          # 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                               
                                   HOOPER UT                                                        
                        _________________________________________________                           
  $     1  -  5000      165       $571,397        $2,363      0.41          51                      
  $  5001 -  10000      245     $1,827,567       $39,659      2.17         183                      
  $ 10001 -  15000      185     $2,343,239       $91,899      3.92         229                      
  $ 15001 -  20000      162     $2,846,092      $145,826      5.12         256                      
  $ 20001 -  25000      125     $2,793,811      $180,208      6.45         199                      
  $ 25001 -  30000      138     $3,774,654      $248,784      6.59         266                      
  $ 30001 -  35000      108     $3,517,864      $219,376      6.24         267                      
  $ 35001 -  40000      109     $4,083,712      $280,159      6.86         278                      
  $ 40001 -  45000      133     $5,628,011      $391,611      6.96         378                      
  $ 45001 -  50000      102     $4,858,245      $319,706      6.58         325                      
  $ 50001 -  75000      583    $36,380,723    $2,865,646      7.88       2,016                      
  $ 75001 - 100000      307    $26,132,848    $2,757,115     10.55       1,107                      
  OVER $100,000         161    $20,425,134    $3,027,618     14.82         604                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,523    $115,183,297   $10,569,970      9.18        6,159                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     6.5             0.5           0.0                    0.8                     
  $  5001 -  10000     9.7             1.6           0.4                    3.0                     
  $ 10001 -  15000     7.3             2.0           0.9                    3.7                     
  $ 15001 -  20000     6.4             2.5           1.4                    4.2                     
  $ 20001 -  25000     5.0             2.4           1.7                    3.2                     
  $ 25001 -  30000     5.5             3.3           2.4                    4.3                     
  $ 30001 -  35000     4.3             3.1           2.1                    4.3                     
  $ 35001 -  40000     4.3             3.5           2.7                    4.5                     
  $ 40001 -  45000     5.3             4.9           3.7                    6.1                     
  $ 45001 -  50000     4.0             4.2           3.0                    5.3                     
  $ 50001 -  75000    23.1            31.6          27.1                   32.7                     
  $ 75001 - 100000    12.2            22.7          26.1                   18.0                     
  OVER $100,000        6.4            17.7          28.6                    9.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,463           $14                   0.31                     
  $  5001 -  10000                  $7,459          $162                   0.75                     
  $ 10001 -  15000                 $12,666          $497                   1.24                     
  $ 15001 -  20000                 $17,568          $900                   1.58                     
  $ 20001 -  25000                 $22,350        $1,442                   1.59                     
  $ 25001 -  30000                 $27,353        $1,803                   1.93                     
  $ 30001 -  35000                 $32,573        $2,031                   2.47                     
  $ 35001 -  40000                 $37,465        $2,570                   2.55                     
  $ 40001 -  45000                 $42,316        $2,944                   2.84                     
  $ 45001 -  50000                 $47,630        $3,134                   3.19                     
  $ 50001 -  75000                 $62,403        $4,915                   3.46                     
  $ 75001 - 100000                 $85,123        $8,981                   3.61                     
  OVER $100,000                   $126,864       $18,805                   3.75                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $45,653        $4,189                   2.44                     
                    ______________________________________________________________                  
          # 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                               
                                   HUNTINGTON UT                                                    
                        _________________________________________________                           
  $     1  -  5000       62       $218,453          $722      0.33          37                      
  $  5001 -  10000      106       $790,978       $11,292      1.43         143                      
  $ 10001 -  15000       99     $1,244,056       $32,210      2.59         187                      
  $ 15001 -  20000       73     $1,283,045       $44,995      3.51         165                      
  $ 20001 -  25000       69     $1,558,846       $60,441      3.88         213                      
  $ 25001 -  30000       60     $1,636,869       $79,603      4.86         170                      
  $ 30001 -  35000       49     $1,592,659       $71,558      4.49         174                      
  $ 35001 -  40000       46     $1,723,796       $88,586      5.14         169                      
  $ 40001 -  45000       55     $2,330,882      $156,348      6.71         190                      
  $ 45001 -  50000       36     $1,712,832      $132,844      7.76         126                      
  $ 50001 -  75000      168    $10,281,167      $927,693      9.02         566                      
  $ 75001 - 100000       58     $4,897,052      $594,537     12.14         196                      
  OVER $100,000          30     $4,725,721      $854,824     18.09         103                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                911     $33,996,356    $3,055,653      8.99        2,439                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     6.8             0.6           0.0                    1.5                     
  $  5001 -  10000    11.6             2.3           0.4                    5.9                     
  $ 10001 -  15000    10.9             3.7           1.1                    7.7                     
  $ 15001 -  20000     8.0             3.8           1.5                    6.8                     
  $ 20001 -  25000     7.6             4.6           2.0                    8.7                     
  $ 25001 -  30000     6.6             4.8           2.6                    7.0                     
  $ 30001 -  35000     5.4             4.7           2.3                    7.1                     
  $ 35001 -  40000     5.0             5.1           2.9                    6.9                     
  $ 40001 -  45000     6.0             6.9           5.1                    7.8                     
  $ 45001 -  50000     4.0             5.0           4.3                    5.2                     
  $ 50001 -  75000    18.4            30.2          30.4                   23.2                     
  $ 75001 - 100000     6.4            14.4          19.5                    8.0                     
  OVER $100,000        3.3            13.9          28.0                    4.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,523           $12                   0.60                     
  $  5001 -  10000                  $7,462          $107                   1.35                     
  $ 10001 -  15000                 $12,566          $325                   1.89                     
  $ 15001 -  20000                 $17,576          $616                   2.26                     
  $ 20001 -  25000                 $22,592          $876                   3.09                     
  $ 25001 -  30000                 $27,281        $1,327                   2.83                     
  $ 30001 -  35000                 $32,503        $1,460                   3.55                     
  $ 35001 -  40000                 $37,474        $1,926                   3.67                     
  $ 40001 -  45000                 $42,380        $2,843                   3.45                     
  $ 45001 -  50000                 $47,579        $3,690                   3.50                     
  $ 50001 -  75000                 $61,197        $5,522                   3.37                     
  $ 75001 - 100000                 $84,432       $10,251                   3.38                     
  OVER $100,000                   $157,524       $28,494                   3.43                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $37,318        $3,354                   2.68                     
                    ______________________________________________________________                  
          # 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                               
                                   HUNTSVILLE UT                                                    
                        _________________________________________________                           
  $     1  -  5000       71       $254,478       $19,227      7.56          27                      
  $  5001 -  10000       93       $667,757       $14,814      2.22          49                      
  $ 10001 -  15000       64       $795,088       $24,612      3.10          86                      
  $ 15001 -  20000       60     $1,049,937       $47,235      4.50         104                      
  $ 20001 -  25000       45     $1,011,092       $52,669      5.21          93                      
  $ 25001 -  30000       47     $1,286,829       $86,892      6.75          87                      
  $ 30001 -  35000       32     $1,036,778       $73,998      7.14          64                      
  $ 35001 -  40000       44     $1,648,877      $116,139      7.04          99                      
  $ 40001 -  45000       34     $1,436,495      $106,342      7.40          97                      
  $ 45001 -  50000       28     $1,325,756      $119,853      9.04          67                      
  $ 50001 -  75000      140     $8,557,530      $717,008      8.38         470                      
  $ 75001 - 100000       77     $6,567,952      $663,908     10.11         290                      
  $100001 - 250000       81    $11,648,696    $1,807,167     15.51         304                      
  OVER $250,000          10     $6,460,799    $1,792,452     27.74          39                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                826     $43,748,064    $5,642,316     12.90        1,876                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     8.6             0.6           0.3                    1.4                     
  $  5001 -  10000    11.3             1.5           0.3                    2.6                     
  $ 10001 -  15000     7.7             1.8           0.4                    4.6                     
  $ 15001 -  20000     7.3             2.4           0.8                    5.5                     
  $ 20001 -  25000     5.4             2.3           0.9                    5.0                     
  $ 25001 -  30000     5.7             2.9           1.5                    4.6                     
  $ 30001 -  35000     3.9             2.4           1.3                    3.4                     
  $ 35001 -  40000     5.3             3.8           2.1                    5.3                     
  $ 40001 -  45000     4.1             3.3           1.9                    5.2                     
  $ 45001 -  50000     3.4             3.0           2.1                    3.6                     
  $ 50001 -  75000    16.9            19.6          12.7                   25.1                     
  $ 75001 - 100000     9.3            15.0          11.8                   15.5                     
  $100001 - 250000     9.8            26.6          32.0                   16.2                     
  OVER $250,000        1.2            14.8          31.8                    2.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,584          $271                   0.38                     
  $  5001 -  10000                  $7,180          $159                   0.53                     
  $ 10001 -  15000                 $12,423          $385                   1.34                     
  $ 15001 -  20000                 $17,499          $787                   1.73                     
  $ 20001 -  25000                 $22,469        $1,170                   2.07                     
  $ 25001 -  30000                 $27,379        $1,849                   1.85                     
  $ 30001 -  35000                 $32,399        $2,312                   2.00                     
  $ 35001 -  40000                 $37,474        $2,640                   2.25                     
  $ 40001 -  45000                 $42,250        $3,128                   2.85                     
  $ 45001 -  50000                 $47,348        $4,280                   2.39                     
  $ 50001 -  75000                 $61,125        $5,121                   3.36                     
  $ 75001 - 100000                 $85,298        $8,622                   3.77                     
  $100001 - 250000                $143,811       $22,311                   3.75                     
  OVER $250,000                   $646,080      $179,245                   3.90                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $52,964        $6,831                   2.27                     
                    ______________________________________________________________                  
          # 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                               
                                   HURRICANE UT                                                     
                        _________________________________________________                           
  $     1  -  5000      240       $859,470        $2,104      0.24         185                      
  $  5001 -  10000      321     $2,407,379       $31,154      1.29         387                      
  $ 10001 -  15000      362     $4,537,372      $108,412      2.39         678                      
  $ 15001 -  20000      315     $5,544,292      $185,399      3.34         693                      
  $ 20001 -  25000      297     $6,648,129      $288,600      4.34         686                      
  $ 25001 -  30000      243     $6,669,345      $297,222      4.46         664                      
  $ 30001 -  35000      204     $6,582,632      $316,591      4.81         587                      
  $ 35001 -  40000      212     $7,920,634      $430,818      5.44         663                      
  $ 40001 -  45000      156     $6,626,212      $393,013      5.93         492                      
  $ 45001 -  50000      141     $6,704,525      $432,938      6.46         479                      
  $ 50001 -  75000      437    $26,288,738    $2,071,593      7.88       1,456                      
  $ 75001 - 100000      153    $13,045,510    $1,402,102     10.75         480                      
  OVER $100,000          75    $12,017,560    $1,992,636     16.58         246                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,156    $105,851,798    $7,952,582      7.51        7,696                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     7.6             0.8           0.0                    2.4                     
  $  5001 -  10000    10.2             2.3           0.4                    5.0                     
  $ 10001 -  15000    11.5             4.3           1.4                    8.8                     
  $ 15001 -  20000    10.0             5.2           2.3                    9.0                     
  $ 20001 -  25000     9.4             6.3           3.6                    8.9                     
  $ 25001 -  30000     7.7             6.3           3.7                    8.6                     
  $ 30001 -  35000     6.5             6.2           4.0                    7.6                     
  $ 35001 -  40000     6.7             7.5           5.4                    8.6                     
  $ 40001 -  45000     4.9             6.3           4.9                    6.4                     
  $ 45001 -  50000     4.5             6.3           5.4                    6.2                     
  $ 50001 -  75000    13.8            24.8          26.0                   18.9                     
  $ 75001 - 100000     4.8            12.3          17.6                    6.2                     
  OVER $100,000        2.4            11.4          25.1                    3.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,581            $9                   0.77                     
  $  5001 -  10000                  $7,500           $97                   1.21                     
  $ 10001 -  15000                 $12,534          $299                   1.87                     
  $ 15001 -  20000                 $17,601          $589                   2.20                     
  $ 20001 -  25000                 $22,384          $972                   2.31                     
  $ 25001 -  30000                 $27,446        $1,223                   2.73                     
  $ 30001 -  35000                 $32,268        $1,552                   2.88                     
  $ 35001 -  40000                 $37,361        $2,032                   3.13                     
  $ 40001 -  45000                 $42,476        $2,519                   3.15                     
  $ 45001 -  50000                 $47,550        $3,070                   3.40                     
  $ 50001 -  75000                 $60,157        $4,740                   3.33                     
  $ 75001 - 100000                 $85,265        $9,164                   3.14                     
  OVER $100,000                   $160,234       $26,568                   3.28                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $33,540        $2,520                   2.44                     
                    ______________________________________________________________                  
          # 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                               
                                   HYDE PARK UT                                                     
                        _________________________________________________                           
  $     1  -  5000      111       $389,165          $713      0.18          29                      
  $  5001 -  10000      133       $955,948       $23,947      2.51          57                      
  $ 10001 -  15000       93     $1,137,539       $41,035      3.61         122                      
  $ 15001 -  20000       82     $1,431,755       $54,990      3.84         173                      
  $ 20001 -  25000       61     $1,361,472       $64,325      4.72         127                      
  $ 25001 -  30000       45     $1,247,327       $61,443      4.93         113                      
  $ 30001 -  35000       37     $1,221,333       $63,756      5.22         107                      
  $ 35001 -  40000       42     $1,593,089       $74,191      4.66         151                      
  $ 40001 -  45000       52     $2,207,337      $131,212      5.94         159                      
  $ 45001 -  50000       59     $2,821,113      $154,478      5.48         225                      
  $ 50001 -  75000      223    $13,837,037      $989,843      7.15         886                      
  $ 75001 - 100000      107     $9,183,130      $847,517      9.23         443                      
  OVER $100,000          79    $12,613,534    $2,143,684     17.00         293                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,124     $49,999,779    $4,651,134      9.30        2,885                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     9.9             0.8           0.0                    1.0                     
  $  5001 -  10000    11.8             1.9           0.5                    2.0                     
  $ 10001 -  15000     8.3             2.3           0.9                    4.2                     
  $ 15001 -  20000     7.3             2.9           1.2                    6.0                     
  $ 20001 -  25000     5.4             2.7           1.4                    4.4                     
  $ 25001 -  30000     4.0             2.5           1.3                    3.9                     
  $ 30001 -  35000     3.3             2.4           1.4                    3.7                     
  $ 35001 -  40000     3.7             3.2           1.6                    5.2                     
  $ 40001 -  45000     4.6             4.4           2.8                    5.5                     
  $ 45001 -  50000     5.2             5.6           3.3                    7.8                     
  $ 50001 -  75000    19.8            27.7          21.3                   30.7                     
  $ 75001 - 100000     9.5            18.4          18.2                   15.4                     
  OVER $100,000        7.0            25.2          46.1                   10.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,506            $6                   0.26                     
  $  5001 -  10000                  $7,188          $180                   0.43                     
  $ 10001 -  15000                 $12,232          $441                   1.31                     
  $ 15001 -  20000                 $17,460          $671                   2.11                     
  $ 20001 -  25000                 $22,319        $1,055                   2.08                     
  $ 25001 -  30000                 $27,718        $1,365                   2.51                     
  $ 30001 -  35000                 $33,009        $1,723                   2.89                     
  $ 35001 -  40000                 $37,931        $1,766                   3.60                     
  $ 40001 -  45000                 $42,449        $2,523                   3.06                     
  $ 45001 -  50000                 $47,815        $2,618                   3.81                     
  $ 50001 -  75000                 $62,049        $4,439                   3.97                     
  $ 75001 - 100000                 $85,824        $7,921                   4.14                     
  OVER $100,000                   $159,665       $27,135                   3.71                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $44,484        $4,138                   2.57                     
                    ______________________________________________________________                  
          # 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                               
                                   HYRUM UT                                                         
                        _________________________________________________                           
  $     1  -  5000      162       $553,433        $1,056      0.19          75                      
  $  5001 -  10000      236     $1,730,946       $27,940      1.61         251                      
  $ 10001 -  15000      199     $2,460,317       $74,306      3.02         332                      
  $ 15001 -  20000      189     $3,341,721      $128,694      3.85         392                      
  $ 20001 -  25000      174     $3,884,574      $177,839      4.58         406                      
  $ 25001 -  30000      169     $4,623,043      $194,304      4.20         507                      
  $ 30001 -  35000      158     $5,166,217      $242,558      4.70         520                      
  $ 35001 -  40000      160     $6,019,568      $252,663      4.20         591                      
  $ 40001 -  45000      135     $5,711,619      $292,810      5.13         505                      
  $ 45001 -  50000      145     $6,866,577      $360,788      5.25         572                      
  $ 50001 -  75000      450    $26,932,614    $1,966,245      7.30       1,735                      
  $ 75001 - 100000      109     $9,171,767    $1,012,349     11.04         401                      
  OVER $100,000          52    $11,034,983    $1,945,144     17.63         183                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,338     $87,497,379    $6,676,696      7.63        6,470                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     6.9             0.6           0.0                    1.2                     
  $  5001 -  10000    10.1             2.0           0.4                    3.9                     
  $ 10001 -  15000     8.5             2.8           1.1                    5.1                     
  $ 15001 -  20000     8.1             3.8           1.9                    6.1                     
  $ 20001 -  25000     7.4             4.4           2.7                    6.3                     
  $ 25001 -  30000     7.2             5.3           2.9                    7.8                     
  $ 30001 -  35000     6.8             5.9           3.6                    8.0                     
  $ 35001 -  40000     6.8             6.9           3.8                    9.1                     
  $ 40001 -  45000     5.8             6.5           4.4                    7.8                     
  $ 45001 -  50000     6.2             7.8           5.4                    8.8                     
  $ 50001 -  75000    19.2            30.8          29.4                   26.8                     
  $ 75001 - 100000     4.7            10.5          15.2                    6.2                     
  OVER $100,000        2.2            12.6          29.1                    2.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,416            $7                   0.46                     
  $  5001 -  10000                  $7,335          $118                   1.06                     
  $ 10001 -  15000                 $12,363          $373                   1.67                     
  $ 15001 -  20000                 $17,681          $681                   2.07                     
  $ 20001 -  25000                 $22,325        $1,022                   2.33                     
  $ 25001 -  30000                 $27,355        $1,150                   3.00                     
  $ 30001 -  35000                 $32,698        $1,535                   3.29                     
  $ 35001 -  40000                 $37,622        $1,579                   3.69                     
  $ 40001 -  45000                 $42,308        $2,169                   3.74                     
  $ 45001 -  50000                 $47,356        $2,488                   3.94                     
  $ 50001 -  75000                 $59,850        $4,369                   3.86                     
  $ 75001 - 100000                 $84,145        $9,288                   3.68                     
  OVER $100,000                   $212,211       $37,407                   3.52                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $37,424        $2,856                   2.77                     
                    ______________________________________________________________                  
          # 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                               
                                   IVINS UT                                                         
                        _________________________________________________                           
  $     1  -  5000       96       $333,178          $694      0.21          50                      
  $  5001 -  10000      166     $1,233,296       $18,381      1.49         180                      
  $ 10001 -  15000      145     $1,799,568       $52,792      2.93         241                      
  $ 15001 -  20000      135     $2,359,204       $79,484      3.37         272                      
  $ 20001 -  25000      139     $3,117,344      $139,421      4.47         323                      
  $ 25001 -  30000      144     $3,967,193      $180,669      4.55         354                      
  $ 30001 -  35000      135     $4,431,363      $226,333      5.11         392                      
  $ 35001 -  40000      111     $4,145,796      $238,937      5.76         316                      
  $ 40001 -  45000      126     $5,342,693      $316,863      5.93         382                      
  $ 45001 -  50000      108     $5,125,742      $306,371      5.98         376                      
  $ 50001 -  75000      285    $17,183,050    $1,386,292      8.07         903                      
  $ 75001 - 100000      113     $9,609,895    $1,156,441     12.03         308                      
  $100001 - 250000       63     $8,442,228    $1,371,354     16.24         172                      
  OVER $250,000          11     $7,192,917    $1,744,649     24.26          32                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,777     $74,283,467    $7,218,681      9.72        4,301                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     5.4             0.4           0.0                    1.2                     
  $  5001 -  10000     9.3             1.7           0.3                    4.2                     
  $ 10001 -  15000     8.2             2.4           0.7                    5.6                     
  $ 15001 -  20000     7.6             3.2           1.1                    6.3                     
  $ 20001 -  25000     7.8             4.2           1.9                    7.5                     
  $ 25001 -  30000     8.1             5.3           2.5                    8.2                     
  $ 30001 -  35000     7.6             6.0           3.1                    9.1                     
  $ 35001 -  40000     6.2             5.6           3.3                    7.3                     
  $ 40001 -  45000     7.1             7.2           4.4                    8.9                     
  $ 45001 -  50000     6.1             6.9           4.2                    8.7                     
  $ 50001 -  75000    16.0            23.1          19.2                   21.0                     
  $ 75001 - 100000     6.4            12.9          16.0                    7.2                     
  $100001 - 250000     3.5            11.4          19.0                    4.0                     
  OVER $250,000        0.6             9.7          24.2                    0.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,471            $7                   0.52                     
  $  5001 -  10000                  $7,429          $111                   1.08                     
  $ 10001 -  15000                 $12,411          $364                   1.66                     
  $ 15001 -  20000                 $17,476          $589                   2.01                     
  $ 20001 -  25000                 $22,427        $1,003                   2.32                     
  $ 25001 -  30000                 $27,550        $1,255                   2.46                     
  $ 30001 -  35000                 $32,825        $1,677                   2.90                     
  $ 35001 -  40000                 $37,350        $2,153                   2.85                     
  $ 40001 -  45000                 $42,402        $2,515                   3.03                     
  $ 45001 -  50000                 $47,461        $2,837                   3.48                     
  $ 50001 -  75000                 $60,291        $4,864                   3.17                     
  $ 75001 - 100000                 $85,043       $10,234                   2.73                     
  $100001 - 250000                $134,004       $21,768                   2.73                     
  OVER $250,000                   $653,902      $158,604                   2.91                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $41,803        $4,062                   2.42                     
                    ______________________________________________________________                  
          # 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                               
                                   KAMAS UT                                                         
                        _________________________________________________                           
  $     1  -  5000      108       $378,641        $1,068      0.28          33                      
  $  5001 -  10000      149     $1,136,948       $21,772      1.91         158                      
  $ 10001 -  15000      121     $1,512,513       $43,339      2.87         196                      
  $ 15001 -  20000      131     $2,287,866       $88,128      3.85         261                      
  $ 20001 -  25000      100     $2,247,770      $130,275      5.80         184                      
  $ 25001 -  30000       99     $2,726,405      $157,644      5.78         218                      
  $ 30001 -  35000       90     $2,930,689      $174,868      5.97         227                      
  $ 35001 -  40000       81     $3,049,308      $227,754      7.47         202                      
  $ 40001 -  45000       74     $3,138,776      $179,504      5.72         237                      
  $ 45001 -  50000       71     $3,374,250      $236,564      7.01         222                      
  $ 50001 -  75000      282    $17,179,389    $1,340,254      7.80         949                      
  $ 75001 - 100000       85     $7,328,811      $760,379     10.38         286                      
  OVER $100,000          62     $8,404,995    $1,210,248     14.40         210                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,453     $55,696,361    $4,571,797      8.21        3,383                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     7.4             0.7           0.0                    1.0                     
  $  5001 -  10000    10.3             2.0           0.5                    4.7                     
  $ 10001 -  15000     8.3             2.7           0.9                    5.8                     
  $ 15001 -  20000     9.0             4.1           1.9                    7.7                     
  $ 20001 -  25000     6.9             4.0           2.8                    5.4                     
  $ 25001 -  30000     6.8             4.9           3.4                    6.4                     
  $ 30001 -  35000     6.2             5.3           3.8                    6.7                     
  $ 35001 -  40000     5.6             5.5           5.0                    6.0                     
  $ 40001 -  45000     5.1             5.6           3.9                    7.0                     
  $ 45001 -  50000     4.9             6.1           5.2                    6.6                     
  $ 50001 -  75000    19.4            30.8          29.3                   28.1                     
  $ 75001 - 100000     5.8            13.2          16.6                    8.5                     
  OVER $100,000        4.3            15.1          26.5                    6.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,506           $10                   0.31                     
  $  5001 -  10000                  $7,631          $146                   1.06                     
  $ 10001 -  15000                 $12,500          $358                   1.62                     
  $ 15001 -  20000                 $17,465          $673                   1.99                     
  $ 20001 -  25000                 $22,478        $1,303                   1.84                     
  $ 25001 -  30000                 $27,539        $1,592                   2.20                     
  $ 30001 -  35000                 $32,563        $1,943                   2.52                     
  $ 35001 -  40000                 $37,646        $2,812                   2.49                     
  $ 40001 -  45000                 $42,416        $2,426                   3.20                     
  $ 45001 -  50000                 $47,525        $3,332                   3.13                     
  $ 50001 -  75000                 $60,920        $4,753                   3.37                     
  $ 75001 - 100000                 $86,221        $8,946                   3.36                     
  OVER $100,000                   $135,564       $19,520                   3.39                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $38,332        $3,146                   2.33                     
                    ______________________________________________________________                  
          # 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                               
                                   KANAB UT                                                         
                        _________________________________________________                           
  $     1  -  5000      133       $472,515          $769      0.16          78                      
  $  5001 -  10000      154     $1,139,049       $16,537      1.45         174                      
  $ 10001 -  15000      179     $2,228,527       $61,889      2.78         277                      
  $ 15001 -  20000      156     $2,691,779      $105,489      3.92         300                      
  $ 20001 -  25000      156     $3,514,182      $179,783      5.12         328                      
  $ 25001 -  30000       91     $2,504,445      $146,238      5.84         209                      
  $ 30001 -  35000      121     $3,935,693      $225,099      5.72         321                      
  $ 35001 -  40000       86     $3,219,935      $222,903      6.92         231                      
  $ 40001 -  45000       88     $3,742,777      $285,317      7.62         241                      
  $ 45001 -  50000       54     $2,555,860      $198,016      7.75         166                      
  $ 50001 -  75000      219    $13,411,112    $1,197,360      8.93         671                      
  $ 75001 - 100000       75     $6,369,391      $758,470     11.91         232                      
  OVER $100,000          39     $7,941,512    $1,794,262     22.59         115                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,551     $53,726,777    $5,192,132      9.66        3,343                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     8.6             0.9           0.0                    2.3                     
  $  5001 -  10000     9.9             2.1           0.3                    5.2                     
  $ 10001 -  15000    11.5             4.1           1.2                    8.3                     
  $ 15001 -  20000    10.1             5.0           2.0                    9.0                     
  $ 20001 -  25000    10.1             6.5           3.5                    9.8                     
  $ 25001 -  30000     5.9             4.7           2.8                    6.3                     
  $ 30001 -  35000     7.8             7.3           4.3                    9.6                     
  $ 35001 -  40000     5.5             6.0           4.3                    6.9                     
  $ 40001 -  45000     5.7             7.0           5.5                    7.2                     
  $ 45001 -  50000     3.5             4.8           3.8                    5.0                     
  $ 50001 -  75000    14.1            25.0          23.1                   20.1                     
  $ 75001 - 100000     4.8            11.9          14.6                    6.9                     
  OVER $100,000        2.5            14.8          34.6                    3.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,553            $6                   0.59                     
  $  5001 -  10000                  $7,396          $107                   1.13                     
  $ 10001 -  15000                 $12,450          $346                   1.55                     
  $ 15001 -  20000                 $17,255          $676                   1.92                     
  $ 20001 -  25000                 $22,527        $1,152                   2.10                     
  $ 25001 -  30000                 $27,521        $1,607                   2.30                     
  $ 30001 -  35000                 $32,526        $1,860                   2.65                     
  $ 35001 -  40000                 $37,441        $2,592                   2.69                     
  $ 40001 -  45000                 $42,532        $3,242                   2.74                     
  $ 45001 -  50000                 $47,331        $3,667                   3.07                     
  $ 50001 -  75000                 $61,238        $5,467                   3.06                     
  $ 75001 - 100000                 $84,925       $10,113                   3.09                     
  OVER $100,000                   $203,629       $46,007                   2.95                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $34,640        $3,348                   2.16                     
                    ______________________________________________________________                  
          # 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                               
                                   KAYSVILLE UT                                                     
                        _________________________________________________                           
  $     1  -  5000      747     $2,545,104       $19,724      0.77         215                      
  $  5001 -  10000      793     $5,749,122      $127,464      2.22         518                      
  $ 10001 -  15000      603     $7,517,227      $293,171      3.90         729                      
  $ 15001 -  20000      454     $7,905,184      $384,309      4.86         695                      
  $ 20001 -  25000      433     $9,699,609      $540,590      5.57         777                      
  $ 25001 -  30000      408    $11,254,755      $690,252      6.13         888                      
  $ 30001 -  35000      371    $12,031,332      $733,287      6.09         932                      
  $ 35001 -  40000      321    $12,049,265      $741,139      6.15         883                      
  $ 40001 -  45000      317    $13,451,351      $796,454      5.92       1,008                      
  $ 45001 -  50000      305    $14,469,308      $958,567      6.62         991                      
  $ 50001 -  75000    1,531    $95,095,755    $6,731,164      7.08       5,706                      
  $ 75001 - 100000      985    $84,656,237    $7,746,571      9.15       3,999                      
  $100001 - 250000      757   $100,902,171   $14,466,391     14.34       3,133                      
  OVER $250,000          75    $35,368,891    $8,794,465     24.86         294                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,100    $412,695,311   $43,023,548     10.43       20,768                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     9.2             0.6           0.0                    1.0                     
  $  5001 -  10000     9.8             1.4           0.3                    2.5                     
  $ 10001 -  15000     7.4             1.8           0.7                    3.5                     
  $ 15001 -  20000     5.6             1.9           0.9                    3.3                     
  $ 20001 -  25000     5.3             2.4           1.3                    3.7                     
  $ 25001 -  30000     5.0             2.7           1.6                    4.3                     
  $ 30001 -  35000     4.6             2.9           1.7                    4.5                     
  $ 35001 -  40000     4.0             2.9           1.7                    4.3                     
  $ 40001 -  45000     3.9             3.3           1.9                    4.9                     
  $ 45001 -  50000     3.8             3.5           2.2                    4.8                     
  $ 50001 -  75000    18.9            23.0          15.6                   27.5                     
  $ 75001 - 100000    12.2            20.5          18.0                   19.3                     
  $100001 - 250000     9.3            24.4          33.6                   15.1                     
  OVER $250,000        0.9             8.6          20.4                    1.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,407           $26                   0.29                     
  $  5001 -  10000                  $7,250          $161                   0.65                     
  $ 10001 -  15000                 $12,466          $486                   1.21                     
  $ 15001 -  20000                 $17,412          $846                   1.53                     
  $ 20001 -  25000                 $22,401        $1,248                   1.79                     
  $ 25001 -  30000                 $27,585        $1,692                   2.18                     
  $ 30001 -  35000                 $32,429        $1,977                   2.51                     
  $ 35001 -  40000                 $37,537        $2,309                   2.75                     
  $ 40001 -  45000                 $42,433        $2,512                   3.18                     
  $ 45001 -  50000                 $47,440        $3,143                   3.25                     
  $ 50001 -  75000                 $62,113        $4,397                   3.73                     
  $ 75001 - 100000                 $85,945        $7,865                   4.06                     
  $100001 - 250000                $133,292       $19,110                   4.14                     
  OVER $250,000                   $471,585      $117,260                   3.92                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $50,950        $5,312                   2.56                     
                    ______________________________________________________________                  
          # 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                               
                                   KEARNS UT                                                        
                        _________________________________________________                           
  $     1  -  5000      663     $2,365,442        $3,982      0.17         525                      
  $  5001 -  10000    1,120     $8,449,353      $101,623      1.20       1,534                      
  $ 10001 -  15000    1,113    $13,869,964      $351,239      2.53       2,080                      
  $ 15001 -  20000    1,236    $21,651,513      $826,413      3.82       2,651                      
  $ 20001 -  25000    1,216    $27,198,514    $1,239,641      4.56       2,848                      
  $ 25001 -  30000      886    $24,279,910    $1,231,321      5.07       2,296                      
  $ 30001 -  35000      843    $27,392,985    $1,448,838      5.29       2,445                      
  $ 35001 -  40000      763    $28,553,519    $1,710,983      5.99       2,293                      
  $ 40001 -  45000      631    $26,829,326    $1,703,149      6.35       2,018                      
  $ 45001 -  50000      587    $27,860,095    $1,862,036      6.68       1,977                      
  $ 50001 -  75000    1,712   $103,201,829    $8,365,869      8.11       5,971                      
  $ 75001 - 100000      384    $32,464,306    $3,672,637     11.31       1,321                      
  OVER $100,000          88    $10,985,013    $1,797,175     16.36         290                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             11,242    $355,101,769   $24,314,906      6.85       28,249                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     5.9             0.7           0.0                    1.9                     
  $  5001 -  10000    10.0             2.4           0.4                    5.4                     
  $ 10001 -  15000     9.9             3.9           1.4                    7.4                     
  $ 15001 -  20000    11.0             6.1           3.4                    9.4                     
  $ 20001 -  25000    10.8             7.7           5.1                   10.1                     
  $ 25001 -  30000     7.9             6.8           5.1                    8.1                     
  $ 30001 -  35000     7.5             7.7           6.0                    8.7                     
  $ 35001 -  40000     6.8             8.0           7.0                    8.1                     
  $ 40001 -  45000     5.6             7.6           7.0                    7.1                     
  $ 45001 -  50000     5.2             7.8           7.7                    7.0                     
  $ 50001 -  75000    15.2            29.1          34.4                   21.1                     
  $ 75001 - 100000     3.4             9.1          15.1                    4.7                     
  OVER $100,000        0.8             3.1           7.4                    1.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,568            $6                   0.79                     
  $  5001 -  10000                  $7,544           $91                   1.37                     
  $ 10001 -  15000                 $12,462          $316                   1.87                     
  $ 15001 -  20000                 $17,517          $669                   2.14                     
  $ 20001 -  25000                 $22,367        $1,019                   2.34                     
  $ 25001 -  30000                 $27,404        $1,390                   2.59                     
  $ 30001 -  35000                 $32,495        $1,719                   2.90                     
  $ 35001 -  40000                 $37,423        $2,242                   3.01                     
  $ 40001 -  45000                 $42,519        $2,699                   3.20                     
  $ 45001 -  50000                 $47,462        $3,172                   3.37                     
  $ 50001 -  75000                 $60,281        $4,887                   3.49                     
  $ 75001 - 100000                 $84,542        $9,564                   3.44                     
  OVER $100,000                   $124,830       $20,422                   3.30                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $31,587        $2,163                   2.51                     
                    ______________________________________________________________                  
          # 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                               
                                   LAVERKIN UT                                                      
                        _________________________________________________                           
  $     1  -  5000       94       $335,832          $427      0.13          55                      
  $  5001 -  10000      151     $1,118,703       $12,631      1.13         183                      
  $ 10001 -  15000      130     $1,596,235       $37,667      2.36         259                      
  $ 15001 -  20000      103     $1,783,145       $62,607      3.51         226                      
  $ 20001 -  25000      111     $2,496,534       $90,657      3.63         290                      
  $ 25001 -  30000       89     $2,433,185       $99,249      4.08         264                      
  $ 30001 -  35000       85     $2,757,444      $155,499      5.64         243                      
  $ 35001 -  40000       74     $2,766,656      $133,070      4.81         269                      
  $ 40001 -  45000       73     $3,108,143      $150,505      4.84         274                      
  $ 45001 -  50000       48     $2,295,388      $127,832      5.57         184                      
  $ 50001 -  75000      141     $8,401,276      $615,980      7.33         506                      
  $ 75001 - 100000       22     $1,844,200      $190,209     10.31          70                      
  OVER $100,000          16     $5,991,873    $1,102,387     18.40          48                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,137     $36,928,614    $2,778,720      7.52        2,871                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     8.3             0.9           0.0                    1.9                     
  $  5001 -  10000    13.3             3.0           0.5                    6.4                     
  $ 10001 -  15000    11.4             4.3           1.4                    9.0                     
  $ 15001 -  20000     9.1             4.8           2.3                    7.9                     
  $ 20001 -  25000     9.8             6.8           3.3                   10.1                     
  $ 25001 -  30000     7.8             6.6           3.6                    9.2                     
  $ 30001 -  35000     7.5             7.5           5.6                    8.5                     
  $ 35001 -  40000     6.5             7.5           4.8                    9.4                     
  $ 40001 -  45000     6.4             8.4           5.4                    9.5                     
  $ 45001 -  50000     4.2             6.2           4.6                    6.4                     
  $ 50001 -  75000    12.4            22.8          22.2                   17.6                     
  $ 75001 - 100000     1.9             5.0           6.8                    2.4                     
  OVER $100,000        1.4            16.2          39.7                    1.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,573            $5                   0.59                     
  $  5001 -  10000                  $7,409           $84                   1.21                     
  $ 10001 -  15000                 $12,279          $290                   1.99                     
  $ 15001 -  20000                 $17,312          $608                   2.19                     
  $ 20001 -  25000                 $22,491          $817                   2.61                     
  $ 25001 -  30000                 $27,339        $1,115                   2.97                     
  $ 30001 -  35000                 $32,441        $1,829                   2.86                     
  $ 35001 -  40000                 $37,387        $1,798                   3.64                     
  $ 40001 -  45000                 $42,577        $2,062                   3.75                     
  $ 45001 -  50000                 $47,821        $2,663                   3.83                     
  $ 50001 -  75000                 $59,584        $4,369                   3.59                     
  $ 75001 - 100000                 $83,827        $8,646                   3.18                     
  OVER $100,000                   $374,492       $68,899                   3.00                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $32,479        $2,444                   2.53                     
                    ______________________________________________________________                  
          # 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                               
                                   LAYTON UT                                                        
                        _________________________________________________                           
  $     1  -  5000    1,624     $5,599,654       $16,816      0.30         778                      
  $  5001 -  10000    2,013    $14,794,156      $278,958      1.89       1,783                      
  $ 10001 -  15000    1,784    $22,324,304      $806,240      3.61       2,415                      
  $ 15001 -  20000    1,823    $32,000,892    $1,602,467      5.01       2,906                      
  $ 20001 -  25000    1,634    $36,648,576    $2,128,794      5.81       3,052                      
  $ 25001 -  30000    1,402    $38,455,247    $2,384,295      6.20       2,968                      
  $ 30001 -  35000    1,268    $41,164,695    $2,681,030      6.51       2,992                      
  $ 35001 -  40000    1,230    $46,106,697    $3,166,989      6.87       3,189                      
  $ 40001 -  45000    1,121    $47,638,515    $3,376,595      7.09       3,114                      
  $ 45001 -  50000    1,186    $56,375,969    $4,236,617      7.51       3,514                      
  $ 50001 -  75000    4,299   $264,140,049   $21,579,578      8.17      14,304                      
  $ 75001 - 100000    2,198   $188,147,335   $20,231,727     10.75       7,708                      
  $100001 - 250000    1,533   $201,131,300   $30,705,836     15.27       5,525                      
  OVER $250,000         111    $50,780,075   $13,347,016     26.28         414                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             23,226  $1,045,307,464  $106,542,958     10.19       54,662                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     7.0             0.5           0.0                    1.4                     
  $  5001 -  10000     8.7             1.4           0.3                    3.3                     
  $ 10001 -  15000     7.7             2.1           0.8                    4.4                     
  $ 15001 -  20000     7.8             3.1           1.5                    5.3                     
  $ 20001 -  25000     7.0             3.5           2.0                    5.6                     
  $ 25001 -  30000     6.0             3.7           2.2                    5.4                     
  $ 30001 -  35000     5.5             3.9           2.5                    5.5                     
  $ 35001 -  40000     5.3             4.4           3.0                    5.8                     
  $ 40001 -  45000     4.8             4.6           3.2                    5.7                     
  $ 45001 -  50000     5.1             5.4           4.0                    6.4                     
  $ 50001 -  75000    18.5            25.3          20.3                   26.2                     
  $ 75001 - 100000     9.5            18.0          19.0                   14.1                     
  $100001 - 250000     6.6            19.2          28.8                   10.1                     
  OVER $250,000        0.5             4.9          12.5                    0.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,448           $10                   0.48                     
  $  5001 -  10000                  $7,349          $139                   0.89                     
  $ 10001 -  15000                 $12,514          $452                   1.35                     
  $ 15001 -  20000                 $17,554          $879                   1.59                     
  $ 20001 -  25000                 $22,429        $1,303                   1.87                     
  $ 25001 -  30000                 $27,429        $1,701                   2.12                     
  $ 30001 -  35000                 $32,464        $2,114                   2.36                     
  $ 35001 -  40000                 $37,485        $2,575                   2.59                     
  $ 40001 -  45000                 $42,496        $3,012                   2.78                     
  $ 45001 -  50000                 $47,535        $3,572                   2.96                     
  $ 50001 -  75000                 $61,442        $5,020                   3.33                     
  $ 75001 - 100000                 $85,599        $9,205                   3.51                     
  $100001 - 250000                $131,201       $20,030                   3.60                     
  OVER $250,000                   $457,478      $120,243                   3.73                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $45,006        $4,587                   2.35                     
                    ______________________________________________________________                  
          # 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                               
                                   LEHI UT                                                          
                        _________________________________________________                           
  $     1  -  5000      456     $1,557,829        $4,511      0.29         226                      
  $  5001 -  10000      660     $4,912,355       $92,374      1.88         669                      
  $ 10001 -  15000      567     $7,063,272      $219,643      3.11         926                      
  $ 15001 -  20000      502     $8,815,605      $391,622      4.44         925                      
  $ 20001 -  25000      477    $10,730,984      $513,608      4.79       1,029                      
  $ 25001 -  30000      424    $11,604,333      $594,330      5.12       1,084                      
  $ 30001 -  35000      488    $15,863,950      $787,052      4.96       1,403                      
  $ 35001 -  40000      509    $19,122,775      $983,196      5.14       1,587                      
  $ 40001 -  45000      510    $21,650,076    $1,219,721      5.63       1,664                      
  $ 45001 -  50000      480    $22,765,473    $1,283,142      5.64       1,717                      
  $ 50001 -  75000    1,779   $108,567,285    $7,270,479      6.70       6,683                      
  $ 75001 - 100000      687    $58,418,204    $5,326,856      9.12       2,724                      
  $100001 - 250000      409    $52,994,197    $7,542,718     14.23       1,617                      
  OVER $250,000          24    $12,629,233    $3,076,165     24.36          83                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              7,972    $356,695,571   $29,305,417      8.22       22,337                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     5.7             0.4           0.0                    1.0                     
  $  5001 -  10000     8.3             1.4           0.3                    3.0                     
  $ 10001 -  15000     7.1             2.0           0.7                    4.1                     
  $ 15001 -  20000     6.3             2.5           1.3                    4.1                     
  $ 20001 -  25000     6.0             3.0           1.8                    4.6                     
  $ 25001 -  30000     5.3             3.3           2.0                    4.9                     
  $ 30001 -  35000     6.1             4.4           2.7                    6.3                     
  $ 35001 -  40000     6.4             5.4           3.4                    7.1                     
  $ 40001 -  45000     6.4             6.1           4.2                    7.4                     
  $ 45001 -  50000     6.0             6.4           4.4                    7.7                     
  $ 50001 -  75000    22.3            30.4          24.8                   29.9                     
  $ 75001 - 100000     8.6            16.4          18.2                   12.2                     
  $100001 - 250000     5.1            14.9          25.7                    7.2                     
  OVER $250,000        0.3             3.5          10.5                    0.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,416           $10                   0.50                     
  $  5001 -  10000                  $7,443          $140                   1.01                     
  $ 10001 -  15000                 $12,457          $387                   1.63                     
  $ 15001 -  20000                 $17,561          $780                   1.84                     
  $ 20001 -  25000                 $22,497        $1,077                   2.16                     
  $ 25001 -  30000                 $27,369        $1,402                   2.56                     
  $ 30001 -  35000                 $32,508        $1,613                   2.88                     
  $ 35001 -  40000                 $37,569        $1,932                   3.12                     
  $ 40001 -  45000                 $42,451        $2,392                   3.26                     
  $ 45001 -  50000                 $47,428        $2,673                   3.58                     
  $ 50001 -  75000                 $61,027        $4,087                   3.76                     
  $ 75001 - 100000                 $85,034        $7,754                   3.97                     
  $100001 - 250000                $129,570       $18,442                   3.95                     
  OVER $250,000                   $526,218      $128,174                   3.46                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $44,744        $3,676                   2.80                     
                    ______________________________________________________________                  
          # 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                               
                                   LINDON UT                                                        
                        _________________________________________________                           
  $     1  -  5000      253       $874,865        $5,603      0.64          91                      
  $  5001 -  10000      313     $2,301,431       $68,349      2.97         231                      
  $ 10001 -  15000      239     $2,948,610       $92,854      3.15         317                      
  $ 15001 -  20000      198     $3,442,800      $159,031      4.62         333                      
  $ 20001 -  25000      165     $3,717,099      $182,910      4.92         370                      
  $ 25001 -  30000      115     $3,184,926      $164,900      5.18         286                      
  $ 30001 -  35000      104     $3,351,401      $168,556      5.03         291                      
  $ 35001 -  40000      112     $4,202,592      $239,792      5.71         336                      
  $ 40001 -  45000      107     $4,537,658      $245,189      5.40         368                      
  $ 45001 -  50000      101     $4,809,030      $254,734      5.30         386                      
  $ 50001 -  75000      449    $27,602,296    $1,735,462      6.29       1,759                      
  $ 75001 - 100000      278    $23,921,943    $1,872,326      7.83       1,231                      
  $100001 - 250000      303    $41,905,476    $5,572,178     13.30       1,423                      
  OVER $250,000          48    $23,374,098    $6,022,060     25.76         230                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,785    $150,174,225   $16,783,944     11.18        7,652                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     9.1             0.6           0.0                    1.2                     
  $  5001 -  10000    11.2             1.5           0.4                    3.0                     
  $ 10001 -  15000     8.6             2.0           0.6                    4.1                     
  $ 15001 -  20000     7.1             2.3           0.9                    4.4                     
  $ 20001 -  25000     5.9             2.5           1.1                    4.8                     
  $ 25001 -  30000     4.1             2.1           1.0                    3.7                     
  $ 30001 -  35000     3.7             2.2           1.0                    3.8                     
  $ 35001 -  40000     4.0             2.8           1.4                    4.4                     
  $ 40001 -  45000     3.8             3.0           1.5                    4.8                     
  $ 45001 -  50000     3.6             3.2           1.5                    5.0                     
  $ 50001 -  75000    16.1            18.4          10.3                   23.0                     
  $ 75001 - 100000    10.0            15.9          11.2                   16.1                     
  $100001 - 250000    10.9            27.9          33.2                   18.6                     
  OVER $250,000        1.7            15.6          35.9                    3.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,458           $22                   0.36                     
  $  5001 -  10000                  $7,353          $218                   0.74                     
  $ 10001 -  15000                 $12,337          $389                   1.33                     
  $ 15001 -  20000                 $17,388          $803                   1.68                     
  $ 20001 -  25000                 $22,528        $1,109                   2.24                     
  $ 25001 -  30000                 $27,695        $1,434                   2.49                     
  $ 30001 -  35000                 $32,225        $1,621                   2.80                     
  $ 35001 -  40000                 $37,523        $2,141                   3.00                     
  $ 40001 -  45000                 $42,408        $2,291                   3.44                     
  $ 45001 -  50000                 $47,614        $2,522                   3.82                     
  $ 50001 -  75000                 $61,475        $3,865                   3.92                     
  $ 75001 - 100000                 $86,050        $6,735                   4.43                     
  $100001 - 250000                $138,302       $18,390                   4.70                     
  OVER $250,000                   $486,960      $125,460                   4.79                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $53,923        $6,027                   2.75                     
                    ______________________________________________________________                  
          # 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                               
                                   LOGAN UT                                                         
                        _________________________________________________                           
  $     1  -  5000    1,274     $4,526,834       $20,968      0.46         800                      
  $  5001 -  10000    2,291    $17,201,337      $269,954      1.57       2,322                      
  $ 10001 -  15000    2,050    $25,495,384      $695,289      2.73       3,183                      
  $ 15001 -  20000    1,813    $31,655,573    $1,240,945      3.92       3,313                      
  $ 20001 -  25000    1,537    $34,468,713    $1,582,651      4.59       3,264                      
  $ 25001 -  30000    1,208    $33,137,441    $1,794,909      5.42       2,773                      
  $ 30001 -  35000      972    $31,468,699    $1,849,371      5.88       2,441                      
  $ 35001 -  40000      821    $30,668,871    $1,999,527      6.52       2,206                      
  $ 40001 -  45000      625    $26,474,437    $1,908,003      7.21       1,780                      
  $ 45001 -  50000      517    $24,460,065    $1,857,029      7.59       1,565                      
  $ 50001 -  75000    1,674   $102,011,852    $8,788,659      8.62       5,503                      
  $ 75001 - 100000      695    $59,215,795    $6,836,217     11.54       2,248                      
  $100001 - 250000      598    $85,436,595   $13,870,056     16.23       1,976                      
  OVER $250,000          79    $36,290,246    $8,808,644     24.27         261                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             16,154    $542,511,842   $51,522,222      9.50       33,635                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     7.9             0.8           0.0                    2.4                     
  $  5001 -  10000    14.2             3.2           0.5                    6.9                     
  $ 10001 -  15000    12.7             4.7           1.3                    9.5                     
  $ 15001 -  20000    11.2             5.8           2.4                    9.8                     
  $ 20001 -  25000     9.5             6.4           3.1                    9.7                     
  $ 25001 -  30000     7.5             6.1           3.5                    8.2                     
  $ 30001 -  35000     6.0             5.8           3.6                    7.3                     
  $ 35001 -  40000     5.1             5.7           3.9                    6.6                     
  $ 40001 -  45000     3.9             4.9           3.7                    5.3                     
  $ 45001 -  50000     3.2             4.5           3.6                    4.7                     
  $ 50001 -  75000    10.4            18.8          17.1                   16.4                     
  $ 75001 - 100000     4.3            10.9          13.3                    6.7                     
  $100001 - 250000     3.7            15.7          26.9                    5.9                     
  OVER $250,000        0.5             6.7          17.1                    0.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,553           $16                   0.63                     
  $  5001 -  10000                  $7,508          $118                   1.01                     
  $ 10001 -  15000                 $12,437          $339                   1.55                     
  $ 15001 -  20000                 $17,460          $684                   1.83                     
  $ 20001 -  25000                 $22,426        $1,030                   2.12                     
  $ 25001 -  30000                 $27,432        $1,486                   2.30                     
  $ 30001 -  35000                 $32,375        $1,903                   2.51                     
  $ 35001 -  40000                 $37,356        $2,435                   2.69                     
  $ 40001 -  45000                 $42,359        $3,053                   2.85                     
  $ 45001 -  50000                 $47,312        $3,592                   3.03                     
  $ 50001 -  75000                 $60,939        $5,250                   3.29                     
  $ 75001 - 100000                 $85,203        $9,836                   3.23                     
  $100001 - 250000                $142,871       $23,194                   3.30                     
  OVER $250,000                   $459,370      $111,502                   3.30                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $33,584        $3,189                   2.08                     
                    ______________________________________________________________                  
          # 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                               
                                   MAGNA UT                                                         
                        _________________________________________________                           
  $     1  -  5000      500     $1,785,954        $2,460      0.14         324                      
  $  5001 -  10000      778     $5,798,677       $84,982      1.47         925                      
  $ 10001 -  15000      786     $9,817,167      $277,462      2.83       1,371                      
  $ 15001 -  20000      902    $15,746,263      $628,627      3.99       1,793                      
  $ 20001 -  25000      873    $19,579,823      $959,734      4.90       1,924                      
  $ 25001 -  30000      725    $19,909,406    $1,109,532      5.57       1,703                      
  $ 30001 -  35000      627    $20,325,623    $1,178,164      5.80       1,652                      
  $ 35001 -  40000      633    $23,750,312    $1,429,847      6.02       1,903                      
  $ 40001 -  45000      544    $23,091,185    $1,531,076      6.63       1,670                      
  $ 45001 -  50000      487    $23,112,322    $1,562,504      6.76       1,586                      
  $ 50001 -  75000    1,482    $89,823,004    $7,412,926      8.25       4,960                      
  $ 75001 - 100000      383    $32,308,549    $3,721,448     11.52       1,258                      
  OVER $100,000          93    $11,934,281    $1,741,356     14.59         307                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,813    $296,982,566   $21,640,118      7.29       21,376                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     5.7             0.6           0.0                    1.5                     
  $  5001 -  10000     8.8             2.0           0.4                    4.3                     
  $ 10001 -  15000     8.9             3.3           1.3                    6.4                     
  $ 15001 -  20000    10.2             5.3           2.9                    8.4                     
  $ 20001 -  25000     9.9             6.6           4.4                    9.0                     
  $ 25001 -  30000     8.2             6.7           5.1                    8.0                     
  $ 30001 -  35000     7.1             6.8           5.4                    7.7                     
  $ 35001 -  40000     7.2             8.0           6.6                    8.9                     
  $ 40001 -  45000     6.2             7.8           7.1                    7.8                     
  $ 45001 -  50000     5.5             7.8           7.2                    7.4                     
  $ 50001 -  75000    16.8            30.2          34.3                   23.2                     
  $ 75001 - 100000     4.3            10.9          17.2                    5.9                     
  OVER $100,000        1.1             4.0           8.0                    1.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,572            $5                   0.65                     
  $  5001 -  10000                  $7,453          $109                   1.19                     
  $ 10001 -  15000                 $12,490          $353                   1.74                     
  $ 15001 -  20000                 $17,457          $697                   1.99                     
  $ 20001 -  25000                 $22,428        $1,099                   2.20                     
  $ 25001 -  30000                 $27,461        $1,530                   2.35                     
  $ 30001 -  35000                 $32,417        $1,879                   2.63                     
  $ 35001 -  40000                 $37,520        $2,259                   3.01                     
  $ 40001 -  45000                 $42,447        $2,814                   3.07                     
  $ 45001 -  50000                 $47,459        $3,208                   3.26                     
  $ 50001 -  75000                 $60,609        $5,002                   3.35                     
  $ 75001 - 100000                 $84,357        $9,717                   3.28                     
  OVER $100,000                   $128,326       $18,724                   3.30                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $33,698        $2,455                   2.43                     
                    ______________________________________________________________                  
          # 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                               
                                   MANTI UT                                                         
                        _________________________________________________                           
  $     1  -  5000       99       $344,575        $1,088      0.32          70                      
  $  5001 -  10000      118       $883,639       $14,815      1.68         147                      
  $ 10001 -  15000      121     $1,505,093       $27,855      1.85         270                      
  $ 15001 -  20000       80     $1,403,868       $45,886      3.27         188                      
  $ 20001 -  25000       71     $1,588,570       $60,303      3.80         185                      
  $ 25001 -  30000       67     $1,840,053       $69,942      3.80         225                      
  $ 30001 -  35000       60     $1,961,160       $93,561      4.77         191                      
  $ 35001 -  40000       53     $1,998,258       $72,643      3.64         209                      
  $ 40001 -  45000       43     $1,839,940       $91,244      4.96         171                      
  $ 45001 -  50000       36     $1,708,321      $116,213      6.80         124                      
  $ 50001 -  75000      134     $8,019,966      $587,423      7.32         514                      
  $ 75001 - 100000       39     $3,243,180      $322,685      9.95         154                      
  OVER $100,000          26     $4,286,926      $587,995     13.72          89                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                947     $30,623,549    $2,091,653      6.83        2,537                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000    10.5             1.1           0.1                    2.8                     
  $  5001 -  10000    12.5             2.9           0.7                    5.8                     
  $ 10001 -  15000    12.8             4.9           1.3                   10.6                     
  $ 15001 -  20000     8.4             4.6           2.2                    7.4                     
  $ 20001 -  25000     7.5             5.2           2.9                    7.3                     
  $ 25001 -  30000     7.1             6.0           3.3                    8.9                     
  $ 30001 -  35000     6.3             6.4           4.5                    7.5                     
  $ 35001 -  40000     5.6             6.5           3.5                    8.2                     
  $ 40001 -  45000     4.5             6.0           4.4                    6.7                     
  $ 45001 -  50000     3.8             5.6           5.6                    4.9                     
  $ 50001 -  75000    14.1            26.2          28.1                   20.3                     
  $ 75001 - 100000     4.1            10.6          15.4                    6.1                     
  OVER $100,000        2.7            14.0          28.1                    3.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,481           $11                   0.71                     
  $  5001 -  10000                  $7,488          $126                   1.25                     
  $ 10001 -  15000                 $12,439          $230                   2.23                     
  $ 15001 -  20000                 $17,548          $574                   2.35                     
  $ 20001 -  25000                 $22,374          $849                   2.61                     
  $ 25001 -  30000                 $27,463        $1,044                   3.36                     
  $ 30001 -  35000                 $32,686        $1,559                   3.18                     
  $ 35001 -  40000                 $37,703        $1,371                   3.94                     
  $ 40001 -  45000                 $42,789        $2,122                   3.98                     
  $ 45001 -  50000                 $47,453        $3,228                   3.44                     
  $ 50001 -  75000                 $59,850        $4,384                   3.84                     
  $ 75001 - 100000                 $83,158        $8,274                   3.95                     
  OVER $100,000                   $164,882       $22,615                   3.42                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $32,337        $2,209                   2.68                     
                    ______________________________________________________________                  
          # 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                               
                                   MAPLETON UT                                                      
                        _________________________________________________                           
  $     1  -  5000      227       $795,438       $12,774      1.61         106                      
  $  5001 -  10000      225     $1,654,977       $32,667      1.97         172                      
  $ 10001 -  15000      173     $2,150,875       $70,491      3.28         247                      
  $ 15001 -  20000      143     $2,516,057      $103,536      4.12         262                      
  $ 20001 -  25000      121     $2,712,643      $138,844      5.12         242                      
  $ 25001 -  30000      111     $3,024,199      $169,840      5.62         267                      
  $ 30001 -  35000       90     $2,905,830      $155,143      5.34         226                      
  $ 35001 -  40000       89     $3,349,037      $175,037      5.23         265                      
  $ 40001 -  45000       84     $3,551,895      $187,062      5.27         292                      
  $ 45001 -  50000       88     $4,196,579      $208,930      4.98         322                      
  $ 50001 -  75000      320    $19,747,786    $1,249,548      6.33       1,258                      
  $ 75001 - 100000      218    $18,732,952    $1,616,809      8.63         930                      
  $100001 - 250000      190    $26,391,685    $3,720,421     14.10         836                      
  OVER $250,000          36    $20,700,239    $4,953,127     23.93         132                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,115    $112,430,192   $12,794,229     11.38        5,557                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000    10.7             0.7           0.1                    1.9                     
  $  5001 -  10000    10.6             1.5           0.3                    3.1                     
  $ 10001 -  15000     8.2             1.9           0.6                    4.4                     
  $ 15001 -  20000     6.8             2.2           0.8                    4.7                     
  $ 20001 -  25000     5.7             2.4           1.1                    4.4                     
  $ 25001 -  30000     5.2             2.7           1.3                    4.8                     
  $ 30001 -  35000     4.3             2.6           1.2                    4.1                     
  $ 35001 -  40000     4.2             3.0           1.4                    4.8                     
  $ 40001 -  45000     4.0             3.2           1.5                    5.3                     
  $ 45001 -  50000     4.2             3.7           1.6                    5.8                     
  $ 50001 -  75000    15.1            17.6           9.8                   22.6                     
  $ 75001 - 100000    10.3            16.7          12.6                   16.7                     
  $100001 - 250000     9.0            23.5          29.1                   15.0                     
  OVER $250,000        1.7            18.4          38.7                    2.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,504           $56                   0.47                     
  $  5001 -  10000                  $7,355          $145                   0.76                     
  $ 10001 -  15000                 $12,433          $407                   1.43                     
  $ 15001 -  20000                 $17,595          $724                   1.83                     
  $ 20001 -  25000                 $22,419        $1,147                   2.00                     
  $ 25001 -  30000                 $27,245        $1,530                   2.41                     
  $ 30001 -  35000                 $32,287        $1,724                   2.51                     
  $ 35001 -  40000                 $37,630        $1,967                   2.98                     
  $ 40001 -  45000                 $42,284        $2,227                   3.48                     
  $ 45001 -  50000                 $47,688        $2,374                   3.66                     
  $ 50001 -  75000                 $61,712        $3,905                   3.93                     
  $ 75001 - 100000                 $85,931        $7,417                   4.27                     
  $100001 - 250000                $138,904       $19,581                   4.40                     
  OVER $250,000                   $575,007      $137,587                   3.67                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $53,158        $6,049                   2.63                     
                    ______________________________________________________________                  
          # 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                               
                                   MIDVALE UT                                                       
                        _________________________________________________                           
  $     1  -  5000      587     $2,070,147        $3,876      0.19         536                      
  $  5001 -  10000    1,084     $8,153,010       $98,030      1.20       1,450                      
  $ 10001 -  15000    1,214    $15,213,220      $414,840      2.73       2,101                      
  $ 15001 -  20000    1,248    $21,860,763      $940,360      4.30       2,341                      
  $ 20001 -  25000    1,166    $26,257,273    $1,531,459      5.83       2,233                      
  $ 25001 -  30000    1,019    $27,951,016    $1,941,785      6.95       1,990                      
  $ 30001 -  35000      830    $26,958,658    $2,053,614      7.62       1,616                      
  $ 35001 -  40000      729    $27,211,375    $2,162,296      7.95       1,591                      
  $ 40001 -  45000      646    $27,410,680    $2,389,074      8.72       1,437                      
  $ 45001 -  50000      490    $23,233,144    $2,103,978      9.06       1,180                      
  $ 50001 -  75000    1,555    $94,186,017    $9,736,362     10.34       3,927                      
  $ 75001 - 100000      548    $46,837,138    $5,998,267     12.81       1,493                      
  $100001 - 250000      309    $39,657,126    $6,735,590     16.98         821                      
  OVER $250,000          19     $8,937,144    $2,267,148     25.37          44                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             11,444    $395,936,711   $38,376,679      9.69       22,760                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     5.1             0.5           0.0                    2.4                     
  $  5001 -  10000     9.5             2.1           0.3                    6.4                     
  $ 10001 -  15000    10.6             3.8           1.1                    9.2                     
  $ 15001 -  20000    10.9             5.5           2.5                   10.3                     
  $ 20001 -  25000    10.2             6.6           4.0                    9.8                     
  $ 25001 -  30000     8.9             7.1           5.1                    8.7                     
  $ 30001 -  35000     7.3             6.8           5.4                    7.1                     
  $ 35001 -  40000     6.4             6.9           5.6                    7.0                     
  $ 40001 -  45000     5.6             6.9           6.2                    6.3                     
  $ 45001 -  50000     4.3             5.9           5.5                    5.2                     
  $ 50001 -  75000    13.6            23.8          25.4                   17.3                     
  $ 75001 - 100000     4.8            11.8          15.6                    6.6                     
  $100001 - 250000     2.7            10.0          17.6                    3.6                     
  OVER $250,000        0.2             2.3           5.9                    0.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,527            $7                   0.91                     
  $  5001 -  10000                  $7,521           $90                   1.34                     
  $ 10001 -  15000                 $12,531          $342                   1.73                     
  $ 15001 -  20000                 $17,517          $753                   1.88                     
  $ 20001 -  25000                 $22,519        $1,313                   1.92                     
  $ 25001 -  30000                 $27,430        $1,906                   1.95                     
  $ 30001 -  35000                 $32,480        $2,474                   1.95                     
  $ 35001 -  40000                 $37,327        $2,966                   2.18                     
  $ 40001 -  45000                 $42,431        $3,698                   2.22                     
  $ 45001 -  50000                 $47,415        $4,294                   2.41                     
  $ 50001 -  75000                 $60,570        $6,261                   2.53                     
  $ 75001 - 100000                 $85,469       $10,946                   2.72                     
  $100001 - 250000                $128,340       $21,798                   2.66                     
  OVER $250,000                   $470,376      $119,324                   2.32                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $34,598        $3,353                   1.99                     
                    ______________________________________________________________                  
          # 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                               
                                   MIDWAY UT                                                        
                        _________________________________________________                           
  $     1  -  5000      107       $380,147          $735      0.19          46                      
  $  5001 -  10000      113       $817,459       $15,719      1.92          99                      
  $ 10001 -  15000      108     $1,336,857       $41,232      3.08         174                      
  $ 15001 -  20000       90     $1,566,351       $57,269      3.66         170                      
  $ 20001 -  25000       75     $1,684,141       $86,691      5.15         144                      
  $ 25001 -  30000       57     $1,585,523      $103,161      6.51         107                      
  $ 30001 -  35000       62     $2,000,289      $122,926      6.15         149                      
  $ 35001 -  40000       56     $2,087,227      $143,517      6.88         133                      
  $ 40001 -  45000       58     $2,468,856      $143,619      5.82         181                      
  $ 45001 -  50000       56     $2,657,666      $170,238      6.41         168                      
  $ 50001 -  75000      171    $10,354,211      $800,150      7.73         574                      
  $ 75001 - 100000       84     $7,217,076      $739,204     10.24         283                      
  $100001 - 250000       75    $11,188,197    $1,750,312     15.64         247                      
  OVER $250,000          15     $7,659,691    $1,851,438     24.17          55                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,127     $53,003,691    $6,026,211     11.37        2,530                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     9.5             0.7           0.0                    1.8                     
  $  5001 -  10000    10.0             1.5           0.3                    3.9                     
  $ 10001 -  15000     9.6             2.5           0.7                    6.9                     
  $ 15001 -  20000     8.0             3.0           1.0                    6.7                     
  $ 20001 -  25000     6.7             3.2           1.4                    5.7                     
  $ 25001 -  30000     5.1             3.0           1.7                    4.2                     
  $ 30001 -  35000     5.5             3.8           2.0                    5.9                     
  $ 35001 -  40000     5.0             3.9           2.4                    5.3                     
  $ 40001 -  45000     5.1             4.7           2.4                    7.2                     
  $ 45001 -  50000     5.0             5.0           2.8                    6.6                     
  $ 50001 -  75000    15.2            19.5          13.3                   22.7                     
  $ 75001 - 100000     7.5            13.6          12.3                   11.2                     
  $100001 - 250000     6.7            21.1          29.0                    9.8                     
  OVER $250,000        1.3            14.5          30.7                    2.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,553            $7                   0.43                     
  $  5001 -  10000                  $7,234          $139                   0.88                     
  $ 10001 -  15000                 $12,378          $382                   1.61                     
  $ 15001 -  20000                 $17,404          $636                   1.89                     
  $ 20001 -  25000                 $22,455        $1,156                   1.92                     
  $ 25001 -  30000                 $27,816        $1,810                   1.88                     
  $ 30001 -  35000                 $32,263        $1,983                   2.40                     
  $ 35001 -  40000                 $37,272        $2,563                   2.38                     
  $ 40001 -  45000                 $42,566        $2,476                   3.12                     
  $ 45001 -  50000                 $47,458        $3,040                   3.00                     
  $ 50001 -  75000                 $60,551        $4,679                   3.36                     
  $ 75001 - 100000                 $85,918        $8,800                   3.37                     
  $100001 - 250000                $149,176       $23,337                   3.29                     
  OVER $250,000                   $510,646      $123,429                   3.67                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $47,031        $5,347                   2.24                     
                    ______________________________________________________________                  
          # 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                               
                                   MOAB UT                                                          
                        _________________________________________________                           
  $     1  -  5000      291     $1,025,543        $3,094      0.30         220                      
  $  5001 -  10000      535     $4,037,347       $47,814      1.18         665                      
  $ 10001 -  15000      433     $5,382,903      $162,782      3.02         692                      
  $ 15001 -  20000      380     $6,639,096      $329,359      4.96         632                      
  $ 20001 -  25000      333     $7,421,592      $430,884      5.81         628                      
  $ 25001 -  30000      244     $6,683,099      $434,670      6.50         497                      
  $ 30001 -  35000      190     $6,171,312      $465,288      7.54         427                      
  $ 35001 -  40000      158     $5,888,784      $470,689      7.99         381                      
  $ 40001 -  45000      124     $5,244,768      $409,894      7.82         340                      
  $ 45001 -  50000      118     $5,610,947      $488,088      8.70         331                      
  $ 50001 -  75000      365    $22,367,648    $2,234,866      9.99       1,039                      
  $ 75001 - 100000      109     $9,207,559    $1,153,522     12.53         309                      
  OVER $100,000          94    $16,113,794    $3,310,717     20.55         257                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,374    $101,794,392    $9,941,667      9.77        6,418                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     8.6             1.0           0.0                    3.4                     
  $  5001 -  10000    15.9             4.0           0.5                   10.4                     
  $ 10001 -  15000    12.8             5.3           1.6                   10.8                     
  $ 15001 -  20000    11.3             6.5           3.3                    9.8                     
  $ 20001 -  25000     9.9             7.3           4.3                    9.8                     
  $ 25001 -  30000     7.2             6.6           4.4                    7.7                     
  $ 30001 -  35000     5.6             6.1           4.7                    6.7                     
  $ 35001 -  40000     4.7             5.8           4.7                    5.9                     
  $ 40001 -  45000     3.7             5.2           4.1                    5.3                     
  $ 45001 -  50000     3.5             5.5           4.9                    5.2                     
  $ 50001 -  75000    10.8            22.0          22.5                   16.2                     
  $ 75001 - 100000     3.2             9.0          11.6                    4.8                     
  OVER $100,000        2.8            15.8          33.3                    4.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,524           $11                   0.76                     
  $  5001 -  10000                  $7,546           $89                   1.24                     
  $ 10001 -  15000                 $12,432          $376                   1.60                     
  $ 15001 -  20000                 $17,471          $867                   1.66                     
  $ 20001 -  25000                 $22,287        $1,294                   1.89                     
  $ 25001 -  30000                 $27,390        $1,781                   2.04                     
  $ 30001 -  35000                 $32,481        $2,449                   2.25                     
  $ 35001 -  40000                 $37,271        $2,979                   2.41                     
  $ 40001 -  45000                 $42,297        $3,306                   2.74                     
  $ 45001 -  50000                 $47,550        $4,136                   2.81                     
  $ 50001 -  75000                 $61,281        $6,123                   2.85                     
  $ 75001 - 100000                 $84,473       $10,583                   2.83                     
  OVER $100,000                   $171,423       $35,220                   2.73                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,170        $2,947                   1.90                     
                    ______________________________________________________________                  
          # 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                               
                                   MONROE UT                                                        
                        _________________________________________________                           
  $     1  -  5000      104       $340,517        $3,926      1.15          55                      
  $  5001 -  10000      107       $808,265       $10,074      1.25         134                      
  $ 10001 -  15000      100     $1,233,196       $30,052      2.44         175                      
  $ 15001 -  20000       95     $1,644,873       $53,992      3.28         205                      
  $ 20001 -  25000       79     $1,800,793       $56,285      3.13         209                      
  $ 25001 -  30000       63     $1,725,343       $74,977      4.35         175                      
  $ 30001 -  35000       51     $1,659,647       $76,675      4.62         162                      
  $ 35001 -  40000       68     $2,571,414      $151,969      5.91         206                      
  $ 40001 -  45000       28     $1,179,569       $65,265      5.53          94                      
  $ 45001 -  50000       50     $2,366,153      $163,341      6.90         170                      
  $ 50001 -  75000      146     $8,896,768      $756,153      8.50         494                      
  $ 75001 - 100000       35     $3,073,740      $331,704     10.79         134                      
  OVER $100,000          22     $2,957,609      $481,357     16.28          77                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                948     $30,257,887    $2,255,770      7.46        2,290                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000    11.0             1.1           0.2                    2.4                     
  $  5001 -  10000    11.3             2.7           0.4                    5.9                     
  $ 10001 -  15000    10.5             4.1           1.3                    7.6                     
  $ 15001 -  20000    10.0             5.4           2.4                    9.0                     
  $ 20001 -  25000     8.3             6.0           2.5                    9.1                     
  $ 25001 -  30000     6.6             5.7           3.3                    7.6                     
  $ 30001 -  35000     5.4             5.5           3.4                    7.1                     
  $ 35001 -  40000     7.2             8.5           6.7                    9.0                     
  $ 40001 -  45000     3.0             3.9           2.9                    4.1                     
  $ 45001 -  50000     5.3             7.8           7.2                    7.4                     
  $ 50001 -  75000    15.4            29.4          33.5                   21.6                     
  $ 75001 - 100000     3.7            10.2          14.7                    5.9                     
  OVER $100,000        2.3             9.8          21.3                    3.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,274           $38                   0.53                     
  $  5001 -  10000                  $7,554           $94                   1.25                     
  $ 10001 -  15000                 $12,332          $301                   1.75                     
  $ 15001 -  20000                 $17,314          $568                   2.16                     
  $ 20001 -  25000                 $22,795          $712                   2.65                     
  $ 25001 -  30000                 $27,386        $1,190                   2.78                     
  $ 30001 -  35000                 $32,542        $1,503                   3.18                     
  $ 35001 -  40000                 $37,815        $2,235                   3.03                     
  $ 40001 -  45000                 $42,127        $2,331                   3.36                     
  $ 45001 -  50000                 $47,323        $3,267                   3.40                     
  $ 50001 -  75000                 $60,937        $5,179                   3.38                     
  $ 75001 - 100000                 $87,821        $9,477                   3.83                     
  OVER $100,000                   $134,437       $21,880                   3.50                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $31,918        $2,380                   2.42                     
                    ______________________________________________________________                  
          # 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                               
                                   MONTICELLO UT                                                    
                        _________________________________________________                           
  $     1  -  5000       76       $263,282          $104      0.04          39                      
  $  5001 -  10000      103       $760,909        $9,118      1.20         123                      
  $ 10001 -  15000       79       $976,611       $17,711      1.81         157                      
  $ 15001 -  20000       67     $1,159,168       $44,766      3.86         142                      
  $ 20001 -  25000       60     $1,333,838       $62,003      4.65         137                      
  $ 25001 -  30000       38     $1,044,431       $40,975      3.92         127                      
  $ 30001 -  35000       41     $1,322,288       $75,672      5.72         123                      
  $ 35001 -  40000       46     $1,720,982      $103,558      6.02         143                      
  $ 40001 -  45000       52     $2,213,394      $147,115      6.65         160                      
  $ 45001 -  50000       34     $1,606,626      $108,803      6.77         112                      
  $ 50001 -  75000      121     $7,269,715      $617,100      8.49         418                      
  $ 75001 - 100000       38     $3,201,022      $319,714      9.99         153                      
  OVER $100,000          19     $2,931,460      $441,684     15.07          69                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                774     $25,803,726    $1,988,323      7.71        1,903                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     9.8             1.0           0.0                    2.0                     
  $  5001 -  10000    13.3             2.9           0.5                    6.5                     
  $ 10001 -  15000    10.2             3.8           0.9                    8.3                     
  $ 15001 -  20000     8.7             4.5           2.3                    7.5                     
  $ 20001 -  25000     7.8             5.2           3.1                    7.2                     
  $ 25001 -  30000     4.9             4.0           2.1                    6.7                     
  $ 30001 -  35000     5.3             5.1           3.8                    6.5                     
  $ 35001 -  40000     5.9             6.7           5.2                    7.5                     
  $ 40001 -  45000     6.7             8.6           7.4                    8.4                     
  $ 45001 -  50000     4.4             6.2           5.5                    5.9                     
  $ 50001 -  75000    15.6            28.2          31.0                   22.0                     
  $ 75001 - 100000     4.9            12.4          16.1                    8.0                     
  OVER $100,000        2.5            11.4          22.2                    3.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,464            $1                   0.51                     
  $  5001 -  10000                  $7,387           $89                   1.19                     
  $ 10001 -  15000                 $12,362          $224                   1.99                     
  $ 15001 -  20000                 $17,301          $668                   2.12                     
  $ 20001 -  25000                 $22,231        $1,033                   2.28                     
  $ 25001 -  30000                 $27,485        $1,078                   3.34                     
  $ 30001 -  35000                 $32,251        $1,846                   3.00                     
  $ 35001 -  40000                 $37,413        $2,251                   3.11                     
  $ 40001 -  45000                 $42,565        $2,829                   3.08                     
  $ 45001 -  50000                 $47,254        $3,200                   3.29                     
  $ 50001 -  75000                 $60,080        $5,100                   3.45                     
  $ 75001 - 100000                 $84,237        $8,414                   4.03                     
  OVER $100,000                   $154,287       $23,247                   3.63                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $33,338        $2,569                   2.46                     
                    ______________________________________________________________                  
          # 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                               
                                   MORGAN UT                                                        
                        _________________________________________________                           
  $     1  -  5000      202       $679,992        $1,746      0.26          49                      
  $  5001 -  10000      231     $1,714,843       $39,763      2.32         154                      
  $ 10001 -  15000      179     $2,200,795       $75,682      3.44         208                      
  $ 15001 -  20000      177     $3,081,320      $149,348      4.85         264                      
  $ 20001 -  25000      147     $3,293,342      $187,429      5.69         278                      
  $ 25001 -  30000      109     $3,003,876      $206,887      6.89         193                      
  $ 30001 -  35000      141     $4,599,216      $314,068      6.83         318                      
  $ 35001 -  40000      126     $4,705,675      $290,352      6.17         359                      
  $ 40001 -  45000      130     $5,517,586      $365,099      6.62         416                      
  $ 45001 -  50000      105     $4,987,481      $382,828      7.68         320                      
  $ 50001 -  75000      466    $28,603,269    $2,241,785      7.84       1,700                      
  $ 75001 - 100000      221    $19,002,079    $2,030,655     10.69         823                      
  $100001 - 250000      149    $19,469,342    $2,911,817     14.96         539                      
  OVER $250,000          22     $8,873,492    $2,131,370     24.02          97                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,405    $109,732,308   $11,328,829     10.32        5,718                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     8.4             0.6           0.0                    0.9                     
  $  5001 -  10000     9.6             1.6           0.4                    2.7                     
  $ 10001 -  15000     7.4             2.0           0.7                    3.6                     
  $ 15001 -  20000     7.4             2.8           1.3                    4.6                     
  $ 20001 -  25000     6.1             3.0           1.7                    4.9                     
  $ 25001 -  30000     4.5             2.7           1.8                    3.4                     
  $ 30001 -  35000     5.9             4.2           2.8                    5.6                     
  $ 35001 -  40000     5.2             4.3           2.6                    6.3                     
  $ 40001 -  45000     5.4             5.0           3.2                    7.3                     
  $ 45001 -  50000     4.4             4.5           3.4                    5.6                     
  $ 50001 -  75000    19.4            26.1          19.8                   29.7                     
  $ 75001 - 100000     9.2            17.3          17.9                   14.4                     
  $100001 - 250000     6.2            17.7          25.7                    9.4                     
  OVER $250,000        0.9             8.1          18.8                    1.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,366            $9                   0.24                     
  $  5001 -  10000                  $7,424          $172                   0.67                     
  $ 10001 -  15000                 $12,295          $423                   1.16                     
  $ 15001 -  20000                 $17,409          $844                   1.49                     
  $ 20001 -  25000                 $22,404        $1,275                   1.89                     
  $ 25001 -  30000                 $27,558        $1,898                   1.77                     
  $ 30001 -  35000                 $32,619        $2,227                   2.26                     
  $ 35001 -  40000                 $37,347        $2,304                   2.85                     
  $ 40001 -  45000                 $42,443        $2,808                   3.20                     
  $ 45001 -  50000                 $47,500        $3,646                   3.05                     
  $ 50001 -  75000                 $61,380        $4,811                   3.65                     
  $ 75001 - 100000                 $85,982        $9,188                   3.72                     
  $100001 - 250000                $130,667       $19,542                   3.62                     
  OVER $250,000                   $403,341       $96,880                   4.41                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $45,627        $4,711                   2.38                     
                    ______________________________________________________________                  
          # 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                               
                                   MOUNT PLEASANT UT                                                
                        _________________________________________________                           
  $     1  -  5000       79       $271,757          $155      0.06          52                      
  $  5001 -  10000      149     $1,105,988       $11,447      1.04         208                      
  $ 10001 -  15000      150     $1,876,075       $37,688      2.01         322                      
  $ 15001 -  20000      102     $1,782,363       $67,646      3.80         229                      
  $ 20001 -  25000       88     $1,978,631       $86,195      4.36         244                      
  $ 25001 -  30000       83     $2,284,285      $119,409      5.23         216                      
  $ 30001 -  35000       60     $1,935,503       $93,891      4.85         189                      
  $ 35001 -  40000       59     $2,223,381      $104,437      4.70         216                      
  $ 40001 -  45000       48     $2,055,713      $116,867      5.68         166                      
  $ 45001 -  50000       32     $1,533,235       $87,985      5.74         112                      
  $ 50001 -  75000      161     $9,786,199      $758,210      7.75         595                      
  $ 75001 - 100000       37     $3,202,628      $355,029     11.09         122                      
  OVER $100,000          26     $4,354,896      $767,279     17.62          98                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,074     $34,390,654    $2,606,238      7.58        2,769                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     7.4             0.8           0.0                    1.9                     
  $  5001 -  10000    13.9             3.2           0.4                    7.5                     
  $ 10001 -  15000    14.0             5.5           1.4                   11.6                     
  $ 15001 -  20000     9.5             5.2           2.6                    8.3                     
  $ 20001 -  25000     8.2             5.8           3.3                    8.8                     
  $ 25001 -  30000     7.7             6.6           4.6                    7.8                     
  $ 30001 -  35000     5.6             5.6           3.6                    6.8                     
  $ 35001 -  40000     5.5             6.5           4.0                    7.8                     
  $ 40001 -  45000     4.5             6.0           4.5                    6.0                     
  $ 45001 -  50000     3.0             4.5           3.4                    4.0                     
  $ 50001 -  75000    15.0            28.5          29.1                   21.5                     
  $ 75001 - 100000     3.4             9.3          13.6                    4.4                     
  OVER $100,000        2.4            12.7          29.4                    3.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,440            $2                   0.66                     
  $  5001 -  10000                  $7,423           $77                   1.40                     
  $ 10001 -  15000                 $12,507          $251                   2.15                     
  $ 15001 -  20000                 $17,474          $663                   2.25                     
  $ 20001 -  25000                 $22,484          $979                   2.77                     
  $ 25001 -  30000                 $27,522        $1,439                   2.60                     
  $ 30001 -  35000                 $32,258        $1,565                   3.15                     
  $ 35001 -  40000                 $37,684        $1,770                   3.66                     
  $ 40001 -  45000                 $42,827        $2,435                   3.46                     
  $ 45001 -  50000                 $47,914        $2,750                   3.50                     
  $ 50001 -  75000                 $60,784        $4,709                   3.70                     
  $ 75001 - 100000                 $86,558        $9,595                   3.30                     
  OVER $100,000                   $167,496       $29,511                   3.77                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $32,021        $2,427                   2.58                     
                    ______________________________________________________________                  
          # 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                               
                                   MURRAY UT                                                        
                        _________________________________________________                           
  $     1  -  5000      915     $3,202,825       $15,216      0.48         567                      
  $  5001 -  10000    1,468    $11,071,160      $198,428      1.79       1,417                      
  $ 10001 -  15000    1,473    $18,450,838      $591,254      3.20       2,081                      
  $ 15001 -  20000    1,513    $26,448,682    $1,282,319      4.85       2,409                      
  $ 20001 -  25000    1,411    $31,710,983    $1,962,155      6.19       2,406                      
  $ 25001 -  30000    1,199    $32,903,444    $2,324,551      7.06       2,188                      
  $ 30001 -  35000    1,099    $35,621,158    $2,706,678      7.60       2,157                      
  $ 35001 -  40000      870    $32,454,629    $2,577,378      7.94       1,814                      
  $ 40001 -  45000      836    $35,477,967    $3,027,906      8.53       1,889                      
  $ 45001 -  50000      666    $31,580,687    $2,833,706      8.97       1,602                      
  $ 50001 -  75000    2,173   $132,156,781   $12,529,095      9.48       6,095                      
  $ 75001 - 100000      981    $84,404,447    $9,746,472     11.55       3,124                      
  $100001 - 250000      765   $101,649,441   $16,264,125     16.00       2,531                      
  OVER $250,000         102    $46,302,613   $11,529,474     24.90         372                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             15,471    $623,435,655   $67,588,757     10.84       30,652                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     5.9             0.5           0.0                    1.8                     
  $  5001 -  10000     9.5             1.8           0.3                    4.6                     
  $ 10001 -  15000     9.5             3.0           0.9                    6.8                     
  $ 15001 -  20000     9.8             4.2           1.9                    7.9                     
  $ 20001 -  25000     9.1             5.1           2.9                    7.8                     
  $ 25001 -  30000     7.7             5.3           3.4                    7.1                     
  $ 30001 -  35000     7.1             5.7           4.0                    7.0                     
  $ 35001 -  40000     5.6             5.2           3.8                    5.9                     
  $ 40001 -  45000     5.4             5.7           4.5                    6.2                     
  $ 45001 -  50000     4.3             5.1           4.2                    5.2                     
  $ 50001 -  75000    14.0            21.2          18.5                   19.9                     
  $ 75001 - 100000     6.3            13.5          14.4                   10.2                     
  $100001 - 250000     4.9            16.3          24.1                    8.3                     
  OVER $250,000        0.7             7.4          17.1                    1.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,500           $17                   0.62                     
  $  5001 -  10000                  $7,542          $135                   0.97                     
  $ 10001 -  15000                 $12,526          $401                   1.41                     
  $ 15001 -  20000                 $17,481          $848                   1.59                     
  $ 20001 -  25000                 $22,474        $1,391                   1.71                     
  $ 25001 -  30000                 $27,442        $1,939                   1.82                     
  $ 30001 -  35000                 $32,412        $2,463                   1.96                     
  $ 35001 -  40000                 $37,304        $2,963                   2.09                     
  $ 40001 -  45000                 $42,438        $3,622                   2.26                     
  $ 45001 -  50000                 $47,418        $4,255                   2.41                     
  $ 50001 -  75000                 $60,818        $5,766                   2.80                     
  $ 75001 - 100000                 $86,039        $9,935                   3.18                     
  $100001 - 250000                $132,875       $21,260                   3.31                     
  OVER $250,000                   $453,947      $113,034                   3.65                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $40,297        $4,369                   1.98                     
                    ______________________________________________________________                  
          # 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                               
                                   NEPHI UT                                                         
                        _________________________________________________                           
  $     1  -  5000      177       $591,150        $2,168      0.37          66                      
  $  5001 -  10000      216     $1,617,064       $28,990      1.79         235                      
  $ 10001 -  15000      167     $2,077,919       $55,679      2.68         293                      
  $ 15001 -  20000      137     $2,386,036       $94,376      3.96         262                      
  $ 20001 -  25000      122     $2,736,128      $132,690      4.85         273                      
  $ 25001 -  30000      116     $3,186,141      $175,155      5.50         301                      
  $ 30001 -  35000      133     $4,305,138      $205,637      4.78         413                      
  $ 35001 -  40000      107     $3,980,098      $217,921      5.48         339                      
  $ 40001 -  45000       92     $3,947,974      $216,587      5.49         335                      
  $ 45001 -  50000       94     $4,473,974      $239,792      5.36         371                      
  $ 50001 -  75000      305    $18,671,888    $1,439,710      7.71       1,125                      
  $ 75001 - 100000       74     $6,280,364      $595,562      9.48         309                      
  OVER $100,000          51     $7,488,874    $1,244,860     16.62         209                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,791     $61,742,748    $4,649,127      7.53        4,531                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     9.9             1.0           0.0                    1.5                     
  $  5001 -  10000    12.1             2.6           0.6                    5.2                     
  $ 10001 -  15000     9.3             3.4           1.2                    6.5                     
  $ 15001 -  20000     7.6             3.9           2.0                    5.8                     
  $ 20001 -  25000     6.8             4.4           2.9                    6.0                     
  $ 25001 -  30000     6.5             5.2           3.8                    6.6                     
  $ 30001 -  35000     7.4             7.0           4.4                    9.1                     
  $ 35001 -  40000     6.0             6.4           4.7                    7.5                     
  $ 40001 -  45000     5.1             6.4           4.7                    7.4                     
  $ 45001 -  50000     5.2             7.2           5.2                    8.2                     
  $ 50001 -  75000    17.0            30.2          31.0                   24.8                     
  $ 75001 - 100000     4.1            10.2          12.8                    6.8                     
  OVER $100,000        2.8            12.1          26.8                    4.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,340           $12                   0.37                     
  $  5001 -  10000                  $7,486          $134                   1.09                     
  $ 10001 -  15000                 $12,443          $333                   1.75                     
  $ 15001 -  20000                 $17,416          $689                   1.91                     
  $ 20001 -  25000                 $22,427        $1,088                   2.24                     
  $ 25001 -  30000                 $27,467        $1,510                   2.59                     
  $ 30001 -  35000                 $32,369        $1,546                   3.11                     
  $ 35001 -  40000                 $37,197        $2,037                   3.17                     
  $ 40001 -  45000                 $42,913        $2,354                   3.64                     
  $ 45001 -  50000                 $47,595        $2,551                   3.95                     
  $ 50001 -  75000                 $61,219        $4,720                   3.69                     
  $ 75001 - 100000                 $84,870        $8,048                   4.18                     
  OVER $100,000                   $146,841       $24,409                   4.10                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $34,474        $2,596                   2.53                     
                    ______________________________________________________________                  
          # 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                               
                                   NORTH LOGAN UT                                                   
                        _________________________________________________                           
  $     1  -  5000      154       $548,806        $8,765      1.60          54                      
  $  5001 -  10000      218     $1,636,672       $34,354      2.10         194                      
  $ 10001 -  15000      159     $1,987,658       $67,043      3.37         218                      
  $ 15001 -  20000      115     $1,993,620       $78,570      3.94         204                      
  $ 20001 -  25000       90     $2,034,495       $85,695      4.21         207                      
  $ 25001 -  30000       91     $2,500,470      $134,288      5.37         226                      
  $ 30001 -  35000       75     $2,444,226      $129,319      5.29         209                      
  $ 35001 -  40000       61     $2,270,442      $121,374      5.35         198                      
  $ 40001 -  45000       75     $3,183,110      $159,789      5.02         271                      
  $ 45001 -  50000       69     $3,289,261      $240,273      7.30         226                      
  $ 50001 -  75000      286    $17,741,568    $1,227,612      6.92       1,126                      
  $ 75001 - 100000      171    $14,635,790    $1,469,941     10.04         663                      
  OVER $100,000         133    $21,552,044    $3,577,735     16.60         514                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,697     $75,818,162    $7,334,758      9.67        4,310                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     9.1             0.7           0.1                    1.3                     
  $  5001 -  10000    12.8             2.2           0.5                    4.5                     
  $ 10001 -  15000     9.4             2.6           0.9                    5.1                     
  $ 15001 -  20000     6.8             2.6           1.1                    4.7                     
  $ 20001 -  25000     5.3             2.7           1.2                    4.8                     
  $ 25001 -  30000     5.4             3.3           1.8                    5.2                     
  $ 30001 -  35000     4.4             3.2           1.8                    4.8                     
  $ 35001 -  40000     3.6             3.0           1.7                    4.6                     
  $ 40001 -  45000     4.4             4.2           2.2                    6.3                     
  $ 45001 -  50000     4.1             4.3           3.3                    5.2                     
  $ 50001 -  75000    16.9            23.4          16.7                   26.1                     
  $ 75001 - 100000    10.1            19.3          20.0                   15.4                     
  OVER $100,000        7.8            28.4          48.8                   11.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,564           $57                   0.35                     
  $  5001 -  10000                  $7,508          $158                   0.89                     
  $ 10001 -  15000                 $12,501          $422                   1.37                     
  $ 15001 -  20000                 $17,336          $683                   1.77                     
  $ 20001 -  25000                 $22,606          $952                   2.30                     
  $ 25001 -  30000                 $27,478        $1,476                   2.48                     
  $ 30001 -  35000                 $32,590        $1,724                   2.79                     
  $ 35001 -  40000                 $37,220        $1,990                   3.25                     
  $ 40001 -  45000                 $42,441        $2,131                   3.61                     
  $ 45001 -  50000                 $47,670        $3,482                   3.28                     
  $ 50001 -  75000                 $62,033        $4,292                   3.94                     
  $ 75001 - 100000                 $85,589        $8,596                   3.88                     
  OVER $100,000                   $162,045       $26,900                   3.86                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $44,678        $4,322                   2.54                     
                    ______________________________________________________________                  
          # 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                               
                                   NORTH OGDEN UT                                                   
                        _________________________________________________                           
  $     1  -  5000      236       $800,410        $3,527      0.44          71                      
  $  5001 -  10000      235     $1,694,123       $34,443      2.03         185                      
  $ 10001 -  15000      174     $2,140,557       $81,096      3.79         203                      
  $ 15001 -  20000      138     $2,430,468       $98,013      4.03         224                      
  $ 20001 -  25000      124     $2,786,539      $155,583      5.58         224                      
  $ 25001 -  30000      114     $3,114,047      $169,817      5.45         258                      
  $ 30001 -  35000      103     $3,324,454      $201,934      6.07         239                      
  $ 35001 -  40000      108     $4,064,783      $271,314      6.67         272                      
  $ 40001 -  45000      119     $5,046,666      $306,998      6.08         379                      
  $ 45001 -  50000       95     $4,526,732      $306,837      6.78         291                      
  $ 50001 -  75000      474    $29,430,481    $2,122,105      7.21       1,762                      
  $ 75001 - 100000      294    $24,893,814    $2,472,354      9.93       1,094                      
  OVER $100,000         179    $25,867,578    $4,234,573     16.37         714                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,393    $110,120,652   $10,458,594      9.50        5,916                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     9.9             0.7           0.0                    1.2                     
  $  5001 -  10000     9.8             1.5           0.3                    3.1                     
  $ 10001 -  15000     7.3             1.9           0.8                    3.4                     
  $ 15001 -  20000     5.8             2.2           0.9                    3.8                     
  $ 20001 -  25000     5.2             2.5           1.5                    3.8                     
  $ 25001 -  30000     4.8             2.8           1.6                    4.4                     
  $ 30001 -  35000     4.3             3.0           1.9                    4.0                     
  $ 35001 -  40000     4.5             3.7           2.6                    4.6                     
  $ 40001 -  45000     5.0             4.6           2.9                    6.4                     
  $ 45001 -  50000     4.0             4.1           2.9                    4.9                     
  $ 50001 -  75000    19.8            26.7          20.3                   29.8                     
  $ 75001 - 100000    12.3            22.6          23.6                   18.5                     
  OVER $100,000        7.5            23.5          40.5                   12.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,392           $15                   0.30                     
  $  5001 -  10000                  $7,209          $147                   0.79                     
  $ 10001 -  15000                 $12,302          $466                   1.17                     
  $ 15001 -  20000                 $17,612          $710                   1.62                     
  $ 20001 -  25000                 $22,472        $1,255                   1.81                     
  $ 25001 -  30000                 $27,316        $1,490                   2.26                     
  $ 30001 -  35000                 $32,276        $1,961                   2.32                     
  $ 35001 -  40000                 $37,637        $2,512                   2.52                     
  $ 40001 -  45000                 $42,409        $2,580                   3.18                     
  $ 45001 -  50000                 $47,650        $3,230                   3.06                     
  $ 50001 -  75000                 $62,090        $4,477                   3.72                     
  $ 75001 - 100000                 $84,673        $8,409                   3.72                     
  OVER $100,000                   $144,512       $23,657                   3.99                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $46,018        $4,370                   2.47                     
                    ______________________________________________________________                  
          # 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                               
                                   NORTH SALT LAKE U                                                
                        _________________________________________________                           
  $     1  -  5000      263       $929,230        $4,775      0.51         114                      
  $  5001 -  10000      307     $2,307,377       $43,120      1.87         280                      
  $ 10001 -  15000      322     $4,022,325      $131,076      3.26         450                      
  $ 15001 -  20000      264     $4,596,206      $221,329      4.82         446                      
  $ 20001 -  25000      258     $5,789,761      $339,863      5.87         460                      
  $ 25001 -  30000      266     $7,325,134      $500,146      6.83         506                      
  $ 30001 -  35000      198     $6,424,213      $447,970      6.97         413                      
  $ 35001 -  40000      186     $6,943,739      $519,632      7.48         437                      
  $ 40001 -  45000      155     $6,573,056      $537,595      8.18         381                      
  $ 45001 -  50000      139     $6,611,941      $554,952      8.39         354                      
  $ 50001 -  75000      469    $29,039,489    $2,567,470      8.84       1,429                      
  $ 75001 - 100000      287    $24,627,738    $2,566,954     10.42         970                      
  $100001 - 250000      352    $50,841,844    $7,923,111     15.58       1,246                      
  OVER $250,000          52    $33,192,552    $9,194,116     27.70         187                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,518    $189,224,605   $25,552,109     13.50        7,673                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     7.5             0.5           0.0                    1.5                     
  $  5001 -  10000     8.7             1.2           0.2                    3.6                     
  $ 10001 -  15000     9.2             2.1           0.5                    5.9                     
  $ 15001 -  20000     7.5             2.4           0.9                    5.8                     
  $ 20001 -  25000     7.3             3.1           1.3                    6.0                     
  $ 25001 -  30000     7.6             3.9           2.0                    6.6                     
  $ 30001 -  35000     5.6             3.4           1.8                    5.4                     
  $ 35001 -  40000     5.3             3.7           2.0                    5.7                     
  $ 40001 -  45000     4.4             3.5           2.1                    5.0                     
  $ 45001 -  50000     4.0             3.5           2.2                    4.6                     
  $ 50001 -  75000    13.3            15.3          10.0                   18.6                     
  $ 75001 - 100000     8.2            13.0          10.0                   12.6                     
  $100001 - 250000    10.0            26.9          31.0                   16.2                     
  OVER $250,000        1.5            17.5          36.0                    2.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,533           $18                   0.43                     
  $  5001 -  10000                  $7,516          $140                   0.91                     
  $ 10001 -  15000                 $12,492          $407                   1.40                     
  $ 15001 -  20000                 $17,410          $838                   1.69                     
  $ 20001 -  25000                 $22,441        $1,317                   1.78                     
  $ 25001 -  30000                 $27,538        $1,880                   1.90                     
  $ 30001 -  35000                 $32,446        $2,262                   2.09                     
  $ 35001 -  40000                 $37,332        $2,794                   2.35                     
  $ 40001 -  45000                 $42,407        $3,468                   2.46                     
  $ 45001 -  50000                 $47,568        $3,992                   2.55                     
  $ 50001 -  75000                 $61,918        $5,474                   3.05                     
  $ 75001 - 100000                 $85,811        $8,944                   3.38                     
  $100001 - 250000                $144,437       $22,509                   3.54                     
  OVER $250,000                   $638,318      $176,810                   3.60                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $53,788        $7,263                   2.18                     
                    ______________________________________________________________                  
          # 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                               
                                   OGDEN UT                                                         
                        _________________________________________________                           
  $     1  -  5000    3,117    $10,896,432       $37,281      0.34       2,572                      
  $  5001 -  10000    5,253    $39,412,998      $575,224      1.46       6,193                      
  $ 10001 -  15000    5,227    $65,289,622    $1,890,967      2.90       8,400                      
  $ 15001 -  20000    5,012    $87,580,562    $3,782,753      4.32       9,054                      
  $ 20001 -  25000    4,468   $100,173,660    $5,204,234      5.20       9,220                      
  $ 25001 -  30000    3,906   $107,159,999    $6,657,240      6.21       8,372                      
  $ 30001 -  35000    3,211   $104,039,366    $7,008,840      6.74       7,431                      
  $ 35001 -  40000    2,836   $106,257,122    $7,940,611      7.47       6,856                      
  $ 40001 -  45000    2,482   $105,207,830    $8,530,687      8.11       6,219                      
  $ 45001 -  50000    2,089    $99,173,366    $8,326,351      8.40       5,662                      
  $ 50001 -  75000    6,926   $422,060,770   $39,921,774      9.46      20,223                      
  $ 75001 - 100000    3,106   $266,335,649   $31,388,735     11.79       9,687                      
  $100001 - 250000    2,225   $301,805,637   $49,289,406     16.33       6,890                      
  OVER $250,000         293   $154,583,307   $41,410,780     26.79         934                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             50,151  $1,969,976,320  $211,964,883     10.76      107,713                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     6.2             0.6           0.0                    2.4                     
  $  5001 -  10000    10.5             2.0           0.3                    5.7                     
  $ 10001 -  15000    10.4             3.3           0.9                    7.8                     
  $ 15001 -  20000    10.0             4.4           1.8                    8.4                     
  $ 20001 -  25000     8.9             5.1           2.5                    8.6                     
  $ 25001 -  30000     7.8             5.4           3.1                    7.8                     
  $ 30001 -  35000     6.4             5.3           3.3                    6.9                     
  $ 35001 -  40000     5.7             5.4           3.7                    6.4                     
  $ 40001 -  45000     4.9             5.3           4.0                    5.8                     
  $ 45001 -  50000     4.2             5.0           3.9                    5.3                     
  $ 50001 -  75000    13.8            21.4          18.8                   18.8                     
  $ 75001 - 100000     6.2            13.5          14.8                    9.0                     
  $100001 - 250000     4.4            15.3          23.3                    6.4                     
  OVER $250,000        0.6             7.8          19.5                    0.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,496           $12                   0.83                     
  $  5001 -  10000                  $7,503          $110                   1.18                     
  $ 10001 -  15000                 $12,491          $362                   1.61                     
  $ 15001 -  20000                 $17,474          $755                   1.81                     
  $ 20001 -  25000                 $22,420        $1,165                   2.06                     
  $ 25001 -  30000                 $27,435        $1,704                   2.14                     
  $ 30001 -  35000                 $32,401        $2,183                   2.31                     
  $ 35001 -  40000                 $37,467        $2,800                   2.42                     
  $ 40001 -  45000                 $42,388        $3,437                   2.51                     
  $ 45001 -  50000                 $47,474        $3,986                   2.71                     
  $ 50001 -  75000                 $60,939        $5,764                   2.92                     
  $ 75001 - 100000                 $85,749       $10,106                   3.12                     
  $100001 - 250000                $135,643       $22,153                   3.10                     
  OVER $250,000                   $527,588      $141,334                   3.19                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,281        $4,227                   2.15                     
                    ______________________________________________________________                  
          # 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                               
                                   OREM UT                                                          
                        _________________________________________________                           
  $     1  -  5000    2,529     $8,757,848       $33,517      0.38       1,343                      
  $  5001 -  10000    3,637    $26,932,848      $492,619      1.83       3,568                      
  $ 10001 -  15000    3,258    $40,663,502    $1,179,901      2.90       5,160                      
  $ 15001 -  20000    2,947    $51,405,563    $2,066,601      4.02       5,642                      
  $ 20001 -  25000    2,368    $52,994,235    $2,390,629      4.51       5,252                      
  $ 25001 -  30000    1,984    $54,379,581    $2,714,256      4.99       4,959                      
  $ 30001 -  35000    1,724    $55,968,134    $3,068,837      5.48       4,633                      
  $ 35001 -  40000    1,493    $55,980,281    $3,435,411      6.14       4,221                      
  $ 40001 -  45000    1,345    $57,127,905    $3,632,533      6.36       4,125                      
  $ 45001 -  50000    1,186    $56,339,891    $3,904,523      6.93       3,712                      
  $ 50001 -  75000    3,948   $241,549,979   $17,993,876      7.45      14,128                      
  $ 75001 - 100000    1,919   $164,912,886   $15,893,699      9.64       7,511                      
  $100001 - 250000    1,555   $209,771,331   $30,281,365     14.44       6,449                      
  OVER $250,000         192    $86,245,138   $21,177,430     24.55         875                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             30,085  $1,163,029,122  $108,265,197      9.31       71,578                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     8.4             0.8           0.0                    1.9                     
  $  5001 -  10000    12.1             2.3           0.5                    5.0                     
  $ 10001 -  15000    10.8             3.5           1.1                    7.2                     
  $ 15001 -  20000     9.8             4.4           1.9                    7.9                     
  $ 20001 -  25000     7.9             4.6           2.2                    7.3                     
  $ 25001 -  30000     6.6             4.7           2.5                    6.9                     
  $ 30001 -  35000     5.7             4.8           2.8                    6.5                     
  $ 35001 -  40000     5.0             4.8           3.2                    5.9                     
  $ 40001 -  45000     4.5             4.9           3.4                    5.8                     
  $ 45001 -  50000     3.9             4.8           3.6                    5.2                     
  $ 50001 -  75000    13.1            20.8          16.6                   19.7                     
  $ 75001 - 100000     6.4            14.2          14.7                   10.5                     
  $100001 - 250000     5.2            18.0          28.0                    9.0                     
  OVER $250,000        0.6             7.4          19.6                    1.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,463           $13                   0.53                     
  $  5001 -  10000                  $7,405          $135                   0.98                     
  $ 10001 -  15000                 $12,481          $362                   1.58                     
  $ 15001 -  20000                 $17,443          $701                   1.91                     
  $ 20001 -  25000                 $22,379        $1,010                   2.22                     
  $ 25001 -  30000                 $27,409        $1,368                   2.50                     
  $ 30001 -  35000                 $32,464        $1,780                   2.69                     
  $ 35001 -  40000                 $37,495        $2,301                   2.83                     
  $ 40001 -  45000                 $42,474        $2,701                   3.07                     
  $ 45001 -  50000                 $47,504        $3,292                   3.13                     
  $ 50001 -  75000                 $61,183        $4,558                   3.58                     
  $ 75001 - 100000                 $85,937        $8,282                   3.91                     
  $100001 - 250000                $134,901       $19,474                   4.15                     
  OVER $250,000                   $449,193      $110,299                   4.56                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $38,658        $3,599                   2.38                     
                    ______________________________________________________________                  
          # 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                               
                                   OTHER TOWNS                                                      
                        _________________________________________________                           
  $     1  -  5000    3,563    $12,355,815       $37,300      0.30       2,346                      
  $  5001 -  10000    5,071    $37,817,124      $589,169      1.56       5,989                      
  $ 10001 -  15000    4,687    $58,389,156    $1,531,014      2.62       8,556                      
  $ 15001 -  20000    4,009    $69,981,531    $2,672,670      3.82       8,504                      
  $ 20001 -  25000    3,466    $77,783,644    $3,562,732      4.58       8,262                      
  $ 25001 -  30000    2,917    $79,967,123    $4,172,894      5.22       7,725                      
  $ 30001 -  35000    2,664    $86,483,094    $4,613,405      5.33       7,973                      
  $ 35001 -  40000    2,490    $93,236,743    $5,320,915      5.71       8,026                      
  $ 40001 -  45000    2,380   $101,044,092    $6,301,906      6.24       7,966                      
  $ 45001 -  50000    2,009    $95,432,057    $6,358,845      6.66       6,964                      
  $ 50001 -  75000    6,977   $424,024,386   $34,109,424      8.04      24,895                      
  $ 75001 - 100000    2,578   $219,887,941   $24,019,557     10.92       9,235                      
  $100001 - 250000    1,359   $181,238,861   $28,264,315     15.60       4,711                      
  OVER $250,000         137    $65,042,018   $16,588,606     25.50         497                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             44,307  $1,602,683,585  $138,142,752      8.62      111,649                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     8.0             0.8           0.0                    2.1                     
  $  5001 -  10000    11.4             2.4           0.4                    5.4                     
  $ 10001 -  15000    10.6             3.6           1.1                    7.7                     
  $ 15001 -  20000     9.0             4.4           1.9                    7.6                     
  $ 20001 -  25000     7.8             4.9           2.6                    7.4                     
  $ 25001 -  30000     6.6             5.0           3.0                    6.9                     
  $ 30001 -  35000     6.0             5.4           3.3                    7.1                     
  $ 35001 -  40000     5.6             5.8           3.9                    7.2                     
  $ 40001 -  45000     5.4             6.3           4.6                    7.1                     
  $ 45001 -  50000     4.5             6.0           4.6                    6.2                     
  $ 50001 -  75000    15.7            26.5          24.7                   22.3                     
  $ 75001 - 100000     5.8            13.7          17.4                    8.3                     
  $100001 - 250000     3.1            11.3          20.5                    4.2                     
  OVER $250,000        0.3             4.1          12.0                    0.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,468           $10                   0.66                     
  $  5001 -  10000                  $7,458          $116                   1.18                     
  $ 10001 -  15000                 $12,458          $327                   1.83                     
  $ 15001 -  20000                 $17,456          $667                   2.12                     
  $ 20001 -  25000                 $22,442        $1,028                   2.38                     
  $ 25001 -  30000                 $27,414        $1,431                   2.65                     
  $ 30001 -  35000                 $32,464        $1,732                   2.99                     
  $ 35001 -  40000                 $37,444        $2,137                   3.22                     
  $ 40001 -  45000                 $42,456        $2,648                   3.35                     
  $ 45001 -  50000                 $47,502        $3,165                   3.47                     
  $ 50001 -  75000                 $60,775        $4,889                   3.57                     
  $ 75001 - 100000                 $85,294        $9,317                   3.58                     
  $100001 - 250000                $133,362       $20,798                   3.47                     
  OVER $250,000                   $474,759      $121,085                   3.63                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $36,172        $3,118                   2.52                     
                    ______________________________________________________________                  
          # 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                               
                                   PANGIUTCH UT                                                     
                        _________________________________________________                           
  $     1  -  5000      103       $338,675          $287      0.08          73                      
  $  5001 -  10000      114       $856,131       $11,826      1.38         128                      
  $ 10001 -  15000       97     $1,263,775       $30,763      2.43         169                      
  $ 15001 -  20000       81     $1,405,906       $61,071      4.34         148                      
  $ 20001 -  25000       73     $1,653,600       $88,860      5.37         151                      
  $ 25001 -  30000       46     $1,268,904       $53,878      4.25         133                      
  $ 30001 -  35000       57     $1,853,359       $99,831      5.39         157                      
  $ 35001 -  40000       42     $1,564,417       $78,263      5.00         142                      
  $ 40001 -  45000       27     $1,139,997       $75,351      6.61          85                      
  $ 45001 -  50000       21     $1,003,470       $78,905      7.86          66                      
  $ 50001 -  75000       78     $4,711,146      $387,488      8.22         275                      
  $ 75001 - 100000       22     $1,869,014      $204,542     10.94          82                      
  $100001 - 250000       11     $1,333,902      $179,260     13.44          47                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                772     $20,262,296    $1,350,325      6.66        1,656                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000    13.3             1.7           0.0                    4.4                     
  $  5001 -  10000    14.8             4.2           0.9                    7.7                     
  $ 10001 -  15000    12.6             6.2           2.3                   10.2                     
  $ 15001 -  20000    10.5             6.9           4.5                    8.9                     
  $ 20001 -  25000     9.5             8.2           6.6                    9.1                     
  $ 25001 -  30000     6.0             6.3           4.0                    8.0                     
  $ 30001 -  35000     7.4             9.1           7.4                    9.5                     
  $ 35001 -  40000     5.4             7.7           5.8                    8.6                     
  $ 40001 -  45000     3.5             5.6           5.6                    5.1                     
  $ 45001 -  50000     2.7             5.0           5.8                    4.0                     
  $ 50001 -  75000    10.1            23.3          28.7                   16.6                     
  $ 75001 - 100000     2.8             9.2          15.1                    5.0                     
  $100001 - 250000     1.4             6.6          13.3                    2.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,288            $3                   0.71                     
  $  5001 -  10000                  $7,510          $104                   1.12                     
  $ 10001 -  15000                 $13,029          $317                   1.74                     
  $ 15001 -  20000                 $17,357          $754                   1.83                     
  $ 20001 -  25000                 $22,652        $1,217                   2.07                     
  $ 25001 -  30000                 $27,585        $1,171                   2.89                     
  $ 30001 -  35000                 $32,515        $1,751                   2.75                     
  $ 35001 -  40000                 $37,248        $1,863                   3.38                     
  $ 40001 -  45000                 $42,222        $2,791                   3.15                     
  $ 45001 -  50000                 $47,784        $3,757                   3.14                     
  $ 50001 -  75000                 $60,399        $4,968                   3.53                     
  $ 75001 - 100000                 $84,955        $9,297                   3.73                     
  $100001 - 250000                $121,264       $16,296                   4.27                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $26,246        $1,749                   2.15                     
                    ______________________________________________________________                  
          # 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                               
                                   PARK CITY UT                                                     
                        _________________________________________________                           
  $     1  -  5000      588     $2,044,304       $22,147      1.08         271                      
  $  5001 -  10000      778     $5,836,135      $114,448      1.96         675                      
  $ 10001 -  15000      624     $7,819,693      $293,120      3.75         810                      
  $ 15001 -  20000      608    $10,699,460      $560,756      5.24         961                      
  $ 20001 -  25000      558    $12,576,408      $873,750      6.95         872                      
  $ 25001 -  30000      476    $13,138,086    $1,024,345      7.80         752                      
  $ 30001 -  35000      373    $12,093,747      $982,046      8.12         655                      
  $ 35001 -  40000      372    $13,903,349    $1,220,104      8.78         596                      
  $ 40001 -  45000      297    $12,648,709    $1,157,436      9.15         536                      
  $ 45001 -  50000      249    $11,794,613    $1,100,720      9.33         471                      
  $ 50001 -  75000      997    $61,554,712    $6,008,860      9.76       2,357                      
  $ 75001 - 100000      818    $71,282,495    $8,374,861     11.75       2,182                      
  $100001 - 250000    1,662   $253,173,873   $42,223,232     16.68       4,913                      
  OVER $250,000         448   $242,619,930   $63,333,009     26.10       1,322                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,848    $731,185,514  $127,288,834     17.41       17,373                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     6.6             0.3           0.0                    1.6                     
  $  5001 -  10000     8.8             0.8           0.1                    3.9                     
  $ 10001 -  15000     7.1             1.1           0.2                    4.7                     
  $ 15001 -  20000     6.9             1.5           0.4                    5.5                     
  $ 20001 -  25000     6.3             1.7           0.7                    5.0                     
  $ 25001 -  30000     5.4             1.8           0.8                    4.3                     
  $ 30001 -  35000     4.2             1.7           0.8                    3.8                     
  $ 35001 -  40000     4.2             1.9           1.0                    3.4                     
  $ 40001 -  45000     3.4             1.7           0.9                    3.1                     
  $ 45001 -  50000     2.8             1.6           0.9                    2.7                     
  $ 50001 -  75000    11.3             8.4           4.7                   13.6                     
  $ 75001 - 100000     9.2             9.7           6.6                   12.6                     
  $100001 - 250000    18.8            34.6          33.2                   28.3                     
  OVER $250,000        5.1            33.2          49.8                    7.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,477           $38                   0.46                     
  $  5001 -  10000                  $7,501          $147                   0.87                     
  $ 10001 -  15000                 $12,532          $470                   1.30                     
  $ 15001 -  20000                 $17,598          $922                   1.58                     
  $ 20001 -  25000                 $22,538        $1,566                   1.56                     
  $ 25001 -  30000                 $27,601        $2,152                   1.58                     
  $ 30001 -  35000                 $32,423        $2,633                   1.76                     
  $ 35001 -  40000                 $37,375        $3,280                   1.60                     
  $ 40001 -  45000                 $42,588        $3,897                   1.80                     
  $ 45001 -  50000                 $47,368        $4,421                   1.89                     
  $ 50001 -  75000                 $61,740        $6,027                   2.36                     
  $ 75001 - 100000                 $87,142       $10,238                   2.67                     
  $100001 - 250000                $152,331       $25,405                   2.96                     
  OVER $250,000                   $541,562      $141,368                   2.95                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $82,639       $14,386                   1.96                     
                    ______________________________________________________________                  
          # 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                               
                                   PAROWAN UT                                                       
                        _________________________________________________                           
  $     1  -  5000       78       $275,496          $285      0.10          51                      
  $  5001 -  10000      150     $1,143,933       $13,869      1.21         217                      
  $ 10001 -  15000      110     $1,365,890       $36,036      2.64         199                      
  $ 15001 -  20000      110     $1,925,256       $71,615      3.72         207                      
  $ 20001 -  25000       84     $1,875,024       $87,221      4.65         193                      
  $ 25001 -  30000       70     $1,929,106       $77,826      4.03         204                      
  $ 30001 -  35000       58     $1,880,045       $86,532      4.60         200                      
  $ 35001 -  40000       64     $2,390,620      $155,126      6.49         206                      
  $ 40001 -  45000       48     $2,036,641      $129,114      6.34         161                      
  $ 45001 -  50000       46     $2,166,870      $137,016      6.32         171                      
  $ 50001 -  75000      113     $6,877,011      $584,343      8.50         384                      
  $ 75001 - 100000       36     $3,140,108      $386,116     12.30         109                      
  OVER $100,000          17     $2,994,917      $625,469     20.88          41                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                984     $30,000,917    $2,390,568      7.97        2,343                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     7.9             0.9           0.0                    2.2                     
  $  5001 -  10000    15.2             3.8           0.6                    9.3                     
  $ 10001 -  15000    11.2             4.6           1.5                    8.5                     
  $ 15001 -  20000    11.2             6.4           3.0                    8.8                     
  $ 20001 -  25000     8.5             6.2           3.6                    8.2                     
  $ 25001 -  30000     7.1             6.4           3.3                    8.7                     
  $ 30001 -  35000     5.9             6.3           3.6                    8.5                     
  $ 35001 -  40000     6.5             8.0           6.5                    8.8                     
  $ 40001 -  45000     4.9             6.8           5.4                    6.9                     
  $ 45001 -  50000     4.7             7.2           5.7                    7.3                     
  $ 50001 -  75000    11.5            22.9          24.4                   16.4                     
  $ 75001 - 100000     3.7            10.5          16.2                    4.7                     
  OVER $100,000        1.7            10.0          26.2                    1.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,532            $4                   0.65                     
  $  5001 -  10000                  $7,626           $92                   1.45                     
  $ 10001 -  15000                 $12,417          $328                   1.81                     
  $ 15001 -  20000                 $17,502          $651                   1.88                     
  $ 20001 -  25000                 $22,322        $1,038                   2.30                     
  $ 25001 -  30000                 $27,559        $1,112                   2.91                     
  $ 30001 -  35000                 $32,415        $1,492                   3.45                     
  $ 35001 -  40000                 $37,353        $2,424                   3.22                     
  $ 40001 -  45000                 $42,430        $2,690                   3.35                     
  $ 45001 -  50000                 $47,106        $2,979                   3.72                     
  $ 50001 -  75000                 $60,859        $5,171                   3.40                     
  $ 75001 - 100000                 $87,225       $10,725                   3.03                     
  OVER $100,000                   $176,172       $36,792                   2.41                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,489        $2,429                   2.38                     
                    ______________________________________________________________                  
          # 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                               
                                   PAYSON UT                                                        
                        _________________________________________________                           
  $     1  -  5000      414     $1,434,676        $3,355      0.23         196                      
  $  5001 -  10000      572     $4,229,868       $87,749      2.07         551                      
  $ 10001 -  15000      494     $6,190,084      $170,010      2.75         831                      
  $ 15001 -  20000      465     $8,136,699      $308,395      3.79         975                      
  $ 20001 -  25000      445     $9,992,898      $482,681      4.83       1,021                      
  $ 25001 -  30000      420    $11,508,517      $556,132      4.83       1,116                      
  $ 30001 -  35000      415    $13,488,165      $667,559      4.95       1,224                      
  $ 35001 -  40000      376    $14,100,094      $693,682      4.92       1,241                      
  $ 40001 -  45000      356    $15,119,106      $827,148      5.47       1,231                      
  $ 45001 -  50000      323    $15,349,893      $902,878      5.88       1,156                      
  $ 50001 -  75000    1,074    $64,474,850    $4,535,908      7.04       4,156                      
  $ 75001 - 100000      327    $27,751,818    $2,776,283     10.00       1,275                      
  $100001 - 250000      151    $20,213,241    $3,046,736     15.07         617                      
  OVER $250,000          16     $7,522,758    $2,011,814     26.74          48                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              5,848    $219,512,667   $17,070,330      7.78       15,638                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     7.1             0.7           0.0                    1.3                     
  $  5001 -  10000     9.8             1.9           0.5                    3.5                     
  $ 10001 -  15000     8.4             2.8           1.0                    5.3                     
  $ 15001 -  20000     8.0             3.7           1.8                    6.2                     
  $ 20001 -  25000     7.6             4.6           2.8                    6.5                     
  $ 25001 -  30000     7.2             5.2           3.3                    7.1                     
  $ 30001 -  35000     7.1             6.1           3.9                    7.8                     
  $ 35001 -  40000     6.4             6.4           4.1                    7.9                     
  $ 40001 -  45000     6.1             6.9           4.8                    7.9                     
  $ 45001 -  50000     5.5             7.0           5.3                    7.4                     
  $ 50001 -  75000    18.4            29.4          26.6                   26.6                     
  $ 75001 - 100000     5.6            12.6          16.3                    8.2                     
  $100001 - 250000     2.6             9.2          17.8                    3.9                     
  OVER $250,000        0.3             3.4          11.8                    0.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,465            $8                   0.47                     
  $  5001 -  10000                  $7,395          $153                   0.96                     
  $ 10001 -  15000                 $12,531          $344                   1.68                     
  $ 15001 -  20000                 $17,498          $663                   2.10                     
  $ 20001 -  25000                 $22,456        $1,085                   2.29                     
  $ 25001 -  30000                 $27,401        $1,324                   2.66                     
  $ 30001 -  35000                 $32,502        $1,609                   2.95                     
  $ 35001 -  40000                 $37,500        $1,845                   3.30                     
  $ 40001 -  45000                 $42,469        $2,323                   3.46                     
  $ 45001 -  50000                 $47,523        $2,795                   3.58                     
  $ 50001 -  75000                 $60,032        $4,223                   3.87                     
  $ 75001 - 100000                 $84,868        $8,490                   3.90                     
  $100001 - 250000                $133,863       $20,177                   4.09                     
  OVER $250,000                   $470,172      $125,738                   3.00                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $37,536        $2,919                   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                               
                                   PERRY UT                                                         
                        _________________________________________________                           
  $     1  -  5000       72       $244,376          $810      0.33          22                      
  $  5001 -  10000       71       $504,818       $10,794      2.14          51                      
  $ 10001 -  15000       57       $687,340       $21,361      3.11          90                      
  $ 15001 -  20000       53       $936,251       $45,188      4.83          82                      
  $ 20001 -  25000       52     $1,164,160       $62,359      5.36         100                      
  $ 25001 -  30000       56     $1,521,533       $88,674      5.83         117                      
  $ 30001 -  35000       44     $1,412,898       $77,833      5.51         115                      
  $ 35001 -  40000       58     $2,190,148      $143,150      6.54         158                      
  $ 40001 -  45000       50     $2,108,742      $135,045      6.40         150                      
  $ 45001 -  50000       63     $3,016,412      $181,278      6.01         228                      
  $ 50001 -  75000      207    $12,768,191      $927,642      7.27         740                      
  $ 75001 - 100000       89     $7,602,064      $816,710     10.74         311                      
  OVER $100,000          58     $9,265,445    $1,729,875     18.67         191                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                930     $43,422,378    $4,240,719      9.77        2,355                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     7.7             0.6           0.0                    0.9                     
  $  5001 -  10000     7.6             1.2           0.3                    2.2                     
  $ 10001 -  15000     6.1             1.6           0.5                    3.8                     
  $ 15001 -  20000     5.7             2.2           1.1                    3.5                     
  $ 20001 -  25000     5.6             2.7           1.5                    4.2                     
  $ 25001 -  30000     6.0             3.5           2.1                    5.0                     
  $ 30001 -  35000     4.7             3.3           1.8                    4.9                     
  $ 35001 -  40000     6.2             5.0           3.4                    6.7                     
  $ 40001 -  45000     5.4             4.9           3.2                    6.4                     
  $ 45001 -  50000     6.8             6.9           4.3                    9.7                     
  $ 50001 -  75000    22.3            29.4          21.9                   31.4                     
  $ 75001 - 100000     9.6            17.5          19.3                   13.2                     
  OVER $100,000        6.2            21.3          40.8                    8.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,394           $11                   0.31                     
  $  5001 -  10000                  $7,110          $152                   0.72                     
  $ 10001 -  15000                 $12,059          $375                   1.58                     
  $ 15001 -  20000                 $17,665          $853                   1.55                     
  $ 20001 -  25000                 $22,388        $1,199                   1.92                     
  $ 25001 -  30000                 $27,170        $1,583                   2.09                     
  $ 30001 -  35000                 $32,111        $1,769                   2.61                     
  $ 35001 -  40000                 $37,761        $2,468                   2.72                     
  $ 40001 -  45000                 $42,175        $2,701                   3.00                     
  $ 45001 -  50000                 $47,880        $2,877                   3.62                     
  $ 50001 -  75000                 $61,682        $4,481                   3.57                     
  $ 75001 - 100000                 $85,416        $9,177                   3.49                     
  OVER $100,000                   $159,749       $29,825                   3.29                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $46,691        $4,560                   2.53                     
                    ______________________________________________________________                  
          # 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                               
                                   PLAIN CITY UT                                                    
                        _________________________________________________                           
  $     1  -  5000       85       $296,553          $237      0.08          20                      
  $  5001 -  10000       96       $711,521       $22,659      3.18          37                      
  $ 10001 -  15000       58       $712,920       $32,012      4.49          57                      
  $ 15001 -  20000       55       $970,342       $47,144      4.86          89                      
  $ 20001 -  25000       42       $960,928       $54,305      5.65          74                      
  $ 25001 -  30000       47     $1,309,364       $76,797      5.87          98                      
  $ 30001 -  35000       48     $1,566,368       $79,024      5.05         129                      
  $ 35001 -  40000       42     $1,577,244       $78,892      5.00         128                      
  $ 40001 -  45000       66     $2,819,982      $193,009      6.84         189                      
  $ 45001 -  50000       44     $2,071,999      $129,301      6.24         145                      
  $ 50001 -  75000      202    $12,397,024      $917,846      7.40         719                      
  $ 75001 - 100000      107     $9,081,775      $952,170     10.48         390                      
  OVER $100,000          48     $6,904,886    $1,156,618     16.75         207                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                940     $41,380,906    $3,740,014      9.04        2,282                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     9.0             0.7           0.0                    0.9                     
  $  5001 -  10000    10.2             1.7           0.6                    1.6                     
  $ 10001 -  15000     6.2             1.7           0.9                    2.5                     
  $ 15001 -  20000     5.9             2.3           1.3                    3.9                     
  $ 20001 -  25000     4.5             2.3           1.5                    3.2                     
  $ 25001 -  30000     5.0             3.2           2.1                    4.3                     
  $ 30001 -  35000     5.1             3.8           2.1                    5.7                     
  $ 35001 -  40000     4.5             3.8           2.1                    5.6                     
  $ 40001 -  45000     7.0             6.8           5.2                    8.3                     
  $ 45001 -  50000     4.7             5.0           3.5                    6.4                     
  $ 50001 -  75000    21.5            30.0          24.5                   31.5                     
  $ 75001 - 100000    11.4            21.9          25.5                   17.1                     
  OVER $100,000        5.1            16.7          30.9                    9.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,489            $3                   0.24                     
  $  5001 -  10000                  $7,412          $236                   0.39                     
  $ 10001 -  15000                 $12,292          $552                   0.98                     
  $ 15001 -  20000                 $17,643          $857                   1.62                     
  $ 20001 -  25000                 $22,879        $1,293                   1.76                     
  $ 25001 -  30000                 $27,859        $1,634                   2.09                     
  $ 30001 -  35000                 $32,633        $1,646                   2.69                     
  $ 35001 -  40000                 $37,553        $1,878                   3.05                     
  $ 40001 -  45000                 $42,727        $2,924                   2.86                     
  $ 45001 -  50000                 $47,091        $2,939                   3.30                     
  $ 50001 -  75000                 $61,371        $4,544                   3.56                     
  $ 75001 - 100000                 $84,876        $8,899                   3.64                     
  OVER $100,000                   $143,852       $24,096                   4.31                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $44,022        $3,979                   2.43                     
                    ______________________________________________________________                  
          # 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                               
                                   PLEASANT GROVE UT                                                
                        _________________________________________________                           
  $     1  -  5000      605     $2,125,792        $6,090      0.29         280                      
  $  5001 -  10000      823     $6,137,061      $108,439      1.77         813                      
  $ 10001 -  15000      740     $9,255,065      $272,845      2.95       1,240                      
  $ 15001 -  20000      637    $11,109,449      $454,856      4.09       1,199                      
  $ 20001 -  25000      557    $12,522,462      $624,633      4.99       1,206                      
  $ 25001 -  30000      491    $13,463,166      $739,563      5.49       1,202                      
  $ 30001 -  35000      439    $14,269,622      $697,584      4.89       1,302                      
  $ 35001 -  40000      373    $13,961,450      $709,889      5.08       1,195                      
  $ 40001 -  45000      420    $17,845,560    $1,007,837      5.65       1,409                      
  $ 45001 -  50000      368    $17,464,072    $1,044,679      5.98       1,301                      
  $ 50001 -  75000    1,527    $93,687,248    $6,201,476      6.62       5,946                      
  $ 75001 - 100000      688    $58,719,031    $5,319,378      9.06       2,824                      
  $100001 - 250000      496    $65,650,382    $9,181,737     13.99       2,098                      
  OVER $250,000          34    $22,832,168    $4,764,116     20.87         123                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,198    $359,042,528   $31,133,122      8.67       22,138                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     7.4             0.6           0.0                    1.3                     
  $  5001 -  10000    10.0             1.7           0.3                    3.7                     
  $ 10001 -  15000     9.0             2.6           0.9                    5.6                     
  $ 15001 -  20000     7.8             3.1           1.5                    5.4                     
  $ 20001 -  25000     6.8             3.5           2.0                    5.4                     
  $ 25001 -  30000     6.0             3.7           2.4                    5.4                     
  $ 30001 -  35000     5.4             4.0           2.2                    5.9                     
  $ 35001 -  40000     4.5             3.9           2.3                    5.4                     
  $ 40001 -  45000     5.1             5.0           3.2                    6.4                     
  $ 45001 -  50000     4.5             4.9           3.4                    5.9                     
  $ 50001 -  75000    18.6            26.1          19.9                   26.9                     
  $ 75001 - 100000     8.4            16.4          17.1                   12.8                     
  $100001 - 250000     6.1            18.3          29.5                    9.5                     
  OVER $250,000        0.4             6.4          15.3                    0.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,514           $10                   0.46                     
  $  5001 -  10000                  $7,457          $132                   0.99                     
  $ 10001 -  15000                 $12,507          $369                   1.68                     
  $ 15001 -  20000                 $17,440          $714                   1.88                     
  $ 20001 -  25000                 $22,482        $1,121                   2.17                     
  $ 25001 -  30000                 $27,420        $1,506                   2.45                     
  $ 30001 -  35000                 $32,505        $1,589                   2.97                     
  $ 35001 -  40000                 $37,430        $1,903                   3.20                     
  $ 40001 -  45000                 $42,489        $2,400                   3.35                     
  $ 45001 -  50000                 $47,457        $2,839                   3.54                     
  $ 50001 -  75000                 $61,354        $4,061                   3.89                     
  $ 75001 - 100000                 $85,347        $7,732                   4.10                     
  $100001 - 250000                $132,360       $18,512                   4.23                     
  OVER $250,000                   $671,534      $140,121                   3.62                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $43,796        $3,798                   2.70                     
                    ______________________________________________________________                  
          # 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                               
                                   PLEASANT VIEW UT                                                 
                        _________________________________________________                           
  $     1  -  5000      110       $382,409          $457      0.12          29                      
  $  5001 -  10000      107       $761,640       $16,181      2.12          71                      
  $ 10001 -  15000       64       $782,810       $29,575      3.78          69                      
  $ 15001 -  20000       45       $805,356       $40,687      5.05          69                      
  $ 20001 -  25000       38       $851,550       $52,062      6.11          62                      
  $ 25001 -  30000       28       $769,332       $46,552      6.05          51                      
  $ 30001 -  35000       43     $1,374,719       $99,482      7.24          89                      
  $ 35001 -  40000       32     $1,207,350       $67,198      5.57          95                      
  $ 40001 -  45000       40     $1,694,477      $119,979      7.08         107                      
  $ 45001 -  50000       30     $1,424,680       $78,832      5.53         109                      
  $ 50001 -  75000      141     $8,849,163      $640,344      7.24         503                      
  $ 75001 - 100000      117    $10,018,882      $938,415      9.37         459                      
  OVER $100,000         115    $16,715,145    $2,540,984     15.20         472                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                910     $45,637,513    $4,670,748     10.23        2,185                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000    12.1             0.8           0.0                    1.3                     
  $  5001 -  10000    11.8             1.7           0.3                    3.2                     
  $ 10001 -  15000     7.0             1.7           0.6                    3.2                     
  $ 15001 -  20000     4.9             1.8           0.9                    3.2                     
  $ 20001 -  25000     4.2             1.9           1.1                    2.8                     
  $ 25001 -  30000     3.1             1.7           1.0                    2.3                     
  $ 30001 -  35000     4.7             3.0           2.1                    4.1                     
  $ 35001 -  40000     3.5             2.6           1.4                    4.3                     
  $ 40001 -  45000     4.4             3.7           2.6                    4.9                     
  $ 45001 -  50000     3.3             3.1           1.7                    5.0                     
  $ 50001 -  75000    15.5            19.4          13.7                   23.0                     
  $ 75001 - 100000    12.9            22.0          20.1                   21.0                     
  OVER $100,000       12.6            36.6          54.4                   21.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,476            $4                   0.26                     
  $  5001 -  10000                  $7,118          $151                   0.66                     
  $ 10001 -  15000                 $12,231          $462                   1.08                     
  $ 15001 -  20000                 $17,897          $904                   1.53                     
  $ 20001 -  25000                 $22,409        $1,370                   1.63                     
  $ 25001 -  30000                 $27,476        $1,663                   1.82                     
  $ 30001 -  35000                 $31,970        $2,314                   2.07                     
  $ 35001 -  40000                 $37,730        $2,100                   2.97                     
  $ 40001 -  45000                 $42,362        $2,999                   2.68                     
  $ 45001 -  50000                 $47,489        $2,628                   3.63                     
  $ 50001 -  75000                 $62,760        $4,541                   3.57                     
  $ 75001 - 100000                 $85,631        $8,021                   3.92                     
  OVER $100,000                   $145,349       $22,096                   4.10                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $50,151        $5,133                   2.40                     
                    ______________________________________________________________                  
          # 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                               
                                   PRICE UT                                                         
                        _________________________________________________                           
  $     1  -  5000      419     $1,493,493        $6,473      0.43         317                      
  $  5001 -  10000      638     $4,663,104       $59,870      1.28         758                      
  $ 10001 -  15000      445     $5,517,786      $154,338      2.80         753                      
  $ 15001 -  20000      396     $6,899,098      $271,343      3.93         739                      
  $ 20001 -  25000      301     $6,806,469      $357,326      5.25         613                      
  $ 25001 -  30000      279     $7,662,435      $437,702      5.71         651                      
  $ 30001 -  35000      270     $8,798,857      $589,555      6.70         680                      
  $ 35001 -  40000      248     $9,295,226      $664,174      7.15         677                      
  $ 40001 -  45000      222     $9,406,061      $732,787      7.79         619                      
  $ 45001 -  50000      199     $9,446,387      $812,275      8.60         574                      
  $ 50001 -  75000      743    $45,213,535    $4,149,484      9.18       2,423                      
  $ 75001 - 100000      361    $30,964,860    $3,953,354     12.77       1,160                      
  $100001 - 250000      196    $25,849,543    $4,453,085     17.23         629                      
  OVER $250,000          26    $10,596,104    $2,908,379     27.45          86                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              4,743    $182,612,958   $19,550,145     10.71       10,679                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     8.8             0.8           0.0                    3.0                     
  $  5001 -  10000    13.5             2.6           0.3                    7.1                     
  $ 10001 -  15000     9.4             3.0           0.8                    7.1                     
  $ 15001 -  20000     8.3             3.8           1.4                    6.9                     
  $ 20001 -  25000     6.3             3.7           1.8                    5.7                     
  $ 25001 -  30000     5.9             4.2           2.2                    6.1                     
  $ 30001 -  35000     5.7             4.8           3.0                    6.4                     
  $ 35001 -  40000     5.2             5.1           3.4                    6.3                     
  $ 40001 -  45000     4.7             5.2           3.7                    5.8                     
  $ 45001 -  50000     4.2             5.2           4.2                    5.4                     
  $ 50001 -  75000    15.7            24.8          21.2                   22.7                     
  $ 75001 - 100000     7.6            17.0          20.2                   10.9                     
  $100001 - 250000     4.1            14.2          22.8                    5.9                     
  OVER $250,000        0.5             5.8          14.9                    0.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,564           $15                   0.76                     
  $  5001 -  10000                  $7,309           $94                   1.19                     
  $ 10001 -  15000                 $12,400          $347                   1.69                     
  $ 15001 -  20000                 $17,422          $685                   1.87                     
  $ 20001 -  25000                 $22,613        $1,187                   2.04                     
  $ 25001 -  30000                 $27,464        $1,569                   2.33                     
  $ 30001 -  35000                 $32,588        $2,184                   2.52                     
  $ 35001 -  40000                 $37,481        $2,678                   2.73                     
  $ 40001 -  45000                 $42,370        $3,301                   2.79                     
  $ 45001 -  50000                 $47,469        $4,082                   2.88                     
  $ 50001 -  75000                 $60,853        $5,585                   3.26                     
  $ 75001 - 100000                 $85,775       $10,951                   3.21                     
  $100001 - 250000                $131,885       $22,720                   3.21                     
  OVER $250,000                   $407,542      $111,861                   3.31                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $38,502        $4,122                   2.25                     
                    ______________________________________________________________                  
          # 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                               
                                   PROVIDENCE UT                                                    
                        _________________________________________________                           
  $     1  -  5000      164       $582,893        $4,876      0.84          66                      
  $  5001 -  10000      183     $1,300,441       $27,079      2.08         120                      
  $ 10001 -  15000      122     $1,477,949       $52,027      3.52         142                      
  $ 15001 -  20000      111     $1,921,368       $68,868      3.58         200                      
  $ 20001 -  25000       84     $1,878,048       $85,100      4.53         168                      
  $ 25001 -  30000       92     $2,554,740      $148,838      5.83         201                      
  $ 30001 -  35000       78     $2,557,549      $146,727      5.74         203                      
  $ 35001 -  40000       69     $2,598,781      $148,896      5.73         208                      
  $ 40001 -  45000       79     $3,343,702      $175,167      5.24         264                      
  $ 45001 -  50000      100     $4,760,653      $299,919      6.30         335                      
  $ 50001 -  75000      321    $19,882,037    $1,496,014      7.52       1,166                      
  $ 75001 - 100000      164    $14,006,564    $1,484,422     10.60         610                      
  $100001 - 250000      160    $22,597,772    $3,567,133     15.79         624                      
  OVER $250,000          21    $11,785,772    $3,219,665     27.32          81                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,748     $91,248,269   $10,924,731     11.97        4,388                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     9.4             0.6           0.0                    1.5                     
  $  5001 -  10000    10.5             1.4           0.2                    2.7                     
  $ 10001 -  15000     7.0             1.6           0.5                    3.2                     
  $ 15001 -  20000     6.4             2.1           0.6                    4.6                     
  $ 20001 -  25000     4.8             2.1           0.8                    3.8                     
  $ 25001 -  30000     5.3             2.8           1.4                    4.6                     
  $ 30001 -  35000     4.5             2.8           1.3                    4.6                     
  $ 35001 -  40000     3.9             2.8           1.4                    4.7                     
  $ 40001 -  45000     4.5             3.7           1.6                    6.0                     
  $ 45001 -  50000     5.7             5.2           2.7                    7.6                     
  $ 50001 -  75000    18.4            21.8          13.7                   26.6                     
  $ 75001 - 100000     9.4            15.3          13.6                   13.9                     
  $100001 - 250000     9.2            24.8          32.7                   14.2                     
  OVER $250,000        1.2            12.9          29.5                    1.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,554           $30                   0.40                     
  $  5001 -  10000                  $7,106          $148                   0.66                     
  $ 10001 -  15000                 $12,114          $426                   1.16                     
  $ 15001 -  20000                 $17,310          $620                   1.80                     
  $ 20001 -  25000                 $22,358        $1,013                   2.00                     
  $ 25001 -  30000                 $27,769        $1,618                   2.18                     
  $ 30001 -  35000                 $32,789        $1,881                   2.60                     
  $ 35001 -  40000                 $37,663        $2,158                   3.01                     
  $ 40001 -  45000                 $42,325        $2,217                   3.34                     
  $ 45001 -  50000                 $47,607        $2,999                   3.35                     
  $ 50001 -  75000                 $61,938        $4,660                   3.63                     
  $ 75001 - 100000                 $85,406        $9,051                   3.72                     
  $100001 - 250000                $141,236       $22,295                   3.90                     
  OVER $250,000                   $561,227      $153,317                   3.86                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $52,202        $6,250                   2.51                     
                    ______________________________________________________________                  
          # 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                               
                                   PROVO UT                                                         
                        _________________________________________________                           
  $     1  -  5000    3,102    $10,938,935       $33,913      0.31       2,040                      
  $  5001 -  10000    5,341    $39,572,620      $587,767      1.49       5,543                      
  $ 10001 -  15000    4,186    $52,022,677    $1,273,220      2.45       6,627                      
  $ 15001 -  20000    3,575    $62,125,781    $2,079,996      3.35       6,955                      
  $ 20001 -  25000    2,781    $62,193,538    $2,554,737      4.11       6,304                      
  $ 25001 -  30000    2,158    $59,018,459    $2,978,230      5.05       5,129                      
  $ 30001 -  35000    1,774    $57,540,911    $3,231,233      5.62       4,596                      
  $ 35001 -  40000    1,378    $51,474,171    $3,120,374      6.06       3,833                      
  $ 40001 -  45000    1,163    $49,296,469    $3,406,713      6.91       3,312                      
  $ 45001 -  50000      965    $45,776,786    $3,328,362      7.27       2,822                      
  $ 50001 -  75000    2,948   $179,758,240   $14,264,194      7.94       9,819                      
  $ 75001 - 100000    1,264   $108,995,361   $11,054,838     10.14       4,517                      
  $100001 - 250000    1,134   $157,150,551   $23,368,465     14.87       4,015                      
  OVER $250,000         194   $139,258,603   $36,034,094     25.88         716                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             31,963  $1,075,123,102  $107,316,136      9.98       66,228                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     9.7             1.0           0.0                    3.1                     
  $  5001 -  10000    16.7             3.7           0.5                    8.4                     
  $ 10001 -  15000    13.1             4.8           1.2                   10.0                     
  $ 15001 -  20000    11.2             5.8           1.9                   10.5                     
  $ 20001 -  25000     8.7             5.8           2.4                    9.5                     
  $ 25001 -  30000     6.8             5.5           2.8                    7.7                     
  $ 30001 -  35000     5.6             5.4           3.0                    6.9                     
  $ 35001 -  40000     4.3             4.8           2.9                    5.8                     
  $ 40001 -  45000     3.6             4.6           3.2                    5.0                     
  $ 45001 -  50000     3.0             4.3           3.1                    4.3                     
  $ 50001 -  75000     9.2            16.7          13.3                   14.8                     
  $ 75001 - 100000     4.0            10.1          10.3                    6.8                     
  $100001 - 250000     3.5            14.6          21.8                    6.1                     
  OVER $250,000        0.6            13.0          33.6                    1.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $3,526           $11                   0.66                     
  $  5001 -  10000                  $7,409          $110                   1.04                     
  $ 10001 -  15000                 $12,428          $304                   1.58                     
  $ 15001 -  20000                 $17,378          $582                   1.95                     
  $ 20001 -  25000                 $22,364          $919                   2.27                     
  $ 25001 -  30000                 $27,349        $1,380                   2.38                     
  $ 30001 -  35000                 $32,436        $1,821                   2.59                     
  $ 35001 -  40000                 $37,354        $2,264                   2.78                     
  $ 40001 -  45000                 $42,387        $2,929                   2.85                     
  $ 45001 -  50000                 $47,437        $3,449                   2.92                     
  $ 50001 -  75000                 $60,976        $4,839                   3.33                     
  $ 75001 - 100000                 $86,231        $8,746                   3.57                     
  $100001 - 250000                $138,581       $20,607                   3.54                     
  OVER $250,000                   $717,828      $185,743                   3.69                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $33,636        $3,358                   2.07                     
                    ______________________________________________________________                  
          # 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                               
                                   RICHFIELD UT                                                     
                        _________________________________________________                           
  $     1  -  5000      233       $800,471        $2,526      0.32         148                      
  $  5001 -  10000      318     $2,303,798       $42,959      1.86         356                      
  $ 10001 -  15000      282     $3,494,066       $92,056      2.63         509                      
  $ 15001 -  20000      229     $3,964,710      $129,654      3.27         483                      
  $ 20001 -  25000      177     $3,963,417      $159,393      4.02         438                      
  $ 25001 -  30000      159     $4,396,417      $220,186      5.01         412                      
  $ 30001 -  35000      134     $4,362,744      $209,063      4.79         392                      
  $ 35001 -  40000      128     $4,796,402      $279,197      5.82         398                      
  $ 40001 -  45000      144     $6,117,287      $390,555      6.38         468                      
  $ 45001 -  50000      113     $5,366,876      $372,144      6.93         381                      
  $ 50001 -  75000      347    $21,157,071    $1,696,061      8.02       1,232                      
  $ 75001 - 100000      143    $12,269,209    $1,368,694     11.16         509                      
  $100001 - 250000       90    $12,734,755    $2,016,129     15.83         349                      
  OVER $250,000          11     $3,619,300      $876,902     24.23          42                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,508     $89,346,523    $7,855,519      8.79        6,117                     
                    ______________________________________________________________