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                                                              
HARRISVILLE UT                                                        
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 HAVEN UT                                                          
WEST JORDAN UT                                                        
WEST POINT UT                                                          
WEST VALLEY UT                                                        
WILLARD UT                                                                
WOODS CROSS UT                                                        
                                                                            
                                                                                                    
****************************SUMMARY OF 2002 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                                                        
                        _________________________________________________                           
  UNDER $1               74    $-7,693,658        $1,867     -0.02         168                      
  $     1  -  5000      419     $1,016,678       $14,105      1.39         122                      
  $  5001 -  10000      310     $2,239,395       $72,461      3.24         206                      
  $ 10001 -  15000      188     $2,321,229       $74,422      3.21         261                      
  $ 15001 -  20000      160     $2,775,015       $84,553      3.05         298                      
  $ 20001 -  25000      100     $2,255,632       $81,988      3.63         238                      
  $ 25001 -  30000       86     $2,368,697      $101,136      4.27         216                      
  $ 30001 -  35000       67     $2,164,012       $81,545      3.77         196                      
  $ 35001 -  40000       78     $2,937,816      $122,568      4.17         234                      
  $ 40001 -  45000       68     $2,904,850      $150,577      5.18         215                      
  $ 45001 -  50000       56     $2,670,372      $136,439      5.11         199                      
  $ 50001 -  75000      319    $19,969,257    $1,067,518      5.35       1,281                      
  $ 75001 - 100000      267    $23,415,972    $1,660,652      7.09       1,167                      
  $100001 - 250000      434    $63,849,585    $8,155,343     12.77       2,062                      
  OVER $250,000          93    $55,056,670   $14,767,556     26.82         426                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,719    $178,251,522   $26,572,730     14.91        7,289                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             2.7            -4.3           0.0                    2.3                     
  $     1  -  5000    15.4             0.6           0.1                    1.7                     
  $  5001 -  10000    11.4             1.3           0.3                    2.8                     
  $ 10001 -  15000     6.9             1.3           0.3                    3.6                     
  $ 15001 -  20000     5.9             1.6           0.3                    4.1                     
  $ 20001 -  25000     3.7             1.3           0.3                    3.3                     
  $ 25001 -  30000     3.2             1.3           0.4                    3.0                     
  $ 30001 -  35000     2.5             1.2           0.3                    2.7                     
  $ 35001 -  40000     2.9             1.6           0.5                    3.2                     
  $ 40001 -  45000     2.5             1.6           0.6                    2.9                     
  $ 45001 -  50000     2.1             1.5           0.5                    2.7                     
  $ 50001 -  75000    11.7            11.2           4.0                   17.6                     
  $ 75001 - 100000     9.8            13.1           6.2                   16.0                     
  $100001 - 250000    16.0            35.8          30.7                   28.3                     
  OVER $250,000        3.4            30.9          55.6                    5.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-103968           $25                   2.27                     
  $     1  -  5000                  $2,426           $34                   0.29                     
  $  5001 -  10000                  $7,224          $234                   0.66                     
  $ 10001 -  15000                 $12,347          $396                   1.39                     
  $ 15001 -  20000                 $17,344          $528                   1.86                     
  $ 20001 -  25000                 $22,556          $820                   2.38                     
  $ 25001 -  30000                 $27,543        $1,176                   2.51                     
  $ 30001 -  35000                 $32,299        $1,217                   2.93                     
  $ 35001 -  40000                 $37,664        $1,571                   3.00                     
  $ 40001 -  45000                 $42,718        $2,214                   3.16                     
  $ 45001 -  50000                 $47,685        $2,436                   3.55                     
  $ 50001 -  75000                 $62,600        $3,346                   4.02                     
  $ 75001 - 100000                 $87,700        $6,220                   4.37                     
  $100001 - 250000                $147,119       $18,791                   4.75                     
  OVER $250,000                   $592,007      $158,791                   4.58                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $65,558        $9,773                   2.68                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                     
                                                                                                    
****************************SUMMARY OF 2002 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                                                 
                        _________________________________________________                           
  UNDER $1               80    $-2,150,408        $2,301     -0.11         184                      
  $     1  -  5000      914     $2,467,224       $22,848      0.93         491                      
  $  5001 -  10000      846     $6,338,034       $91,391      1.44         872                      
  $ 10001 -  15000      758     $9,444,337      $212,174      2.25       1,251                      
  $ 15001 -  20000      675    $11,826,730      $370,040      3.13       1,302                      
  $ 20001 -  25000      572    $12,820,757      $526,445      4.11       1,198                      
  $ 25001 -  30000      544    $14,927,185      $584,346      3.91       1,403                      
  $ 30001 -  35000      504    $16,375,217      $700,295      4.28       1,409                      
  $ 35001 -  40000      470    $17,615,050      $808,319      4.59       1,407                      
  $ 40001 -  45000      425    $18,046,484      $885,265      4.91       1,363                      
  $ 45001 -  50000      352    $16,723,613      $814,571      4.87       1,224                      
  $ 50001 -  75000    1,549    $95,054,846    $5,596,500      5.89       5,923                      
  $ 75001 - 100000      655    $55,964,161    $4,539,924      8.11       2,734                      
  $100001 - 250000      396    $51,249,236    $6,760,131     13.19       1,614                      
  OVER $250,000          44    $17,510,545    $3,792,005     21.66         157                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,784    $344,213,011   $25,706,555      7.47       22,532                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.9            -0.6           0.0                    0.8                     
  $     1  -  5000    10.4             0.7           0.1                    2.2                     
  $  5001 -  10000     9.6             1.8           0.4                    3.9                     
  $ 10001 -  15000     8.6             2.7           0.8                    5.6                     
  $ 15001 -  20000     7.7             3.4           1.4                    5.8                     
  $ 20001 -  25000     6.5             3.7           2.0                    5.3                     
  $ 25001 -  30000     6.2             4.3           2.3                    6.2                     
  $ 30001 -  35000     5.7             4.8           2.7                    6.3                     
  $ 35001 -  40000     5.4             5.1           3.1                    6.2                     
  $ 40001 -  45000     4.8             5.2           3.4                    6.0                     
  $ 45001 -  50000     4.0             4.9           3.2                    5.4                     
  $ 50001 -  75000    17.6            27.6          21.8                   26.3                     
  $ 75001 - 100000     7.5            16.3          17.7                   12.1                     
  $100001 - 250000     4.5            14.9          26.3                    7.2                     
  OVER $250,000        0.5             5.1          14.8                    0.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-26,880           $29                   2.30                     
  $     1  -  5000                  $2,699           $25                   0.54                     
  $  5001 -  10000                  $7,492          $108                   1.03                     
  $ 10001 -  15000                 $12,460          $280                   1.65                     
  $ 15001 -  20000                 $17,521          $548                   1.93                     
  $ 20001 -  25000                 $22,414          $920                   2.09                     
  $ 25001 -  30000                 $27,440        $1,074                   2.58                     
  $ 30001 -  35000                 $32,491        $1,389                   2.80                     
  $ 35001 -  40000                 $37,479        $1,720                   2.99                     
  $ 40001 -  45000                 $42,462        $2,083                   3.21                     
  $ 45001 -  50000                 $47,510        $2,314                   3.48                     
  $ 50001 -  75000                 $61,365        $3,613                   3.82                     
  $ 75001 - 100000                 $85,441        $6,931                   4.17                     
  $100001 - 250000                $129,417       $17,071                   4.08                     
  OVER $250,000                   $397,967       $86,182                   3.57                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,186        $2,927                   2.57                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2002 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                                                        
                        _________________________________________________                           
  UNDER $1               21    $-1,341,369        $4,547     -0.34          45                      
  $     1  -  5000      130       $383,381          $810      0.21          51                      
  $  5001 -  10000      167     $1,237,251       $15,522      1.25         190                      
  $ 10001 -  15000      137     $1,692,561       $31,699      1.87         230                      
  $ 15001 -  20000      121     $2,120,690       $67,900      3.20         216                      
  $ 20001 -  25000       85     $1,914,324       $77,622      4.05         184                      
  $ 25001 -  30000      116     $3,183,869      $118,559      3.72         304                      
  $ 30001 -  35000       81     $2,648,225       $88,194      3.33         279                      
  $ 35001 -  40000       54     $2,029,940       $90,495      4.46         160                      
  $ 40001 -  45000       74     $3,157,245      $154,316      4.89         252                      
  $ 45001 -  50000       55     $2,603,762      $140,098      5.38         195                      
  $ 50001 -  75000      149     $9,101,775      $635,943      6.99         541                      
  $ 75001 - 100000       49     $4,133,602      $431,236     10.43         172                      
  OVER $100,000          26     $3,971,220      $678,401     17.08         106                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,265     $36,836,476    $2,535,342      6.88        2,925                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.7            -3.6           0.2                    1.5                     
  $     1  -  5000    10.3             1.0           0.0                    1.7                     
  $  5001 -  10000    13.2             3.4           0.6                    6.5                     
  $ 10001 -  15000    10.8             4.6           1.3                    7.9                     
  $ 15001 -  20000     9.6             5.8           2.7                    7.4                     
  $ 20001 -  25000     6.7             5.2           3.1                    6.3                     
  $ 25001 -  30000     9.2             8.6           4.7                   10.4                     
  $ 30001 -  35000     6.4             7.2           3.5                    9.5                     
  $ 35001 -  40000     4.3             5.5           3.6                    5.5                     
  $ 40001 -  45000     5.8             8.6           6.1                    8.6                     
  $ 45001 -  50000     4.3             7.1           5.5                    6.7                     
  $ 50001 -  75000    11.8            24.7          25.1                   18.5                     
  $ 75001 - 100000     3.9            11.2          17.0                    5.9                     
  OVER $100,000        2.1            10.8          26.8                    3.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-63,875          $217                   2.14                     
  $     1  -  5000                  $2,949            $6                   0.39                     
  $  5001 -  10000                  $7,409           $93                   1.14                     
  $ 10001 -  15000                 $12,354          $231                   1.68                     
  $ 15001 -  20000                 $17,526          $561                   1.79                     
  $ 20001 -  25000                 $22,521          $913                   2.16                     
  $ 25001 -  30000                 $27,447        $1,022                   2.62                     
  $ 30001 -  35000                 $32,694        $1,089                   3.44                     
  $ 35001 -  40000                 $37,591        $1,676                   2.96                     
  $ 40001 -  45000                 $42,665        $2,085                   3.41                     
  $ 45001 -  50000                 $47,341        $2,547                   3.55                     
  $ 50001 -  75000                 $61,086        $4,268                   3.63                     
  $ 75001 - 100000                 $84,359        $8,801                   3.51                     
  OVER $100,000                   $152,739       $26,092                   4.08                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $29,120        $2,004                   2.31                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2002 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                                                      
                        _________________________________________________                           
  UNDER $1               15    $-1,488,281            $0      0.00          27                      
  $     1  -  5000      174       $466,854        $3,516      0.75         125                      
  $  5001 -  10000      149     $1,114,271       $10,739      0.96         200                      
  $ 10001 -  15000      108     $1,353,898       $23,015      1.70         225                      
  $ 15001 -  20000       95     $1,663,170       $40,688      2.45         248                      
  $ 20001 -  25000       82     $1,841,653       $50,212      2.73         237                      
  $ 25001 -  30000       70     $1,921,730       $49,772      2.59         250                      
  $ 30001 -  35000       65     $2,107,251       $79,397      3.77         215                      
  $ 35001 -  40000       54     $2,030,212       $74,511      3.67         204                      
  $ 40001 -  45000       57     $2,421,254      $108,199      4.47         210                      
  $ 45001 -  50000       55     $2,611,995      $154,251      5.91         180                      
  $ 50001 -  75000      160     $9,688,764      $570,536      5.89         658                      
  $ 75001 - 100000       64     $5,437,650      $588,423     10.82         208                      
  OVER $100,000          21     $2,740,702      $397,828     14.52          86                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,169     $33,911,123    $2,151,087      6.34        3,073                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.3            -4.4           0.0                    0.9                     
  $     1  -  5000    14.9             1.4           0.2                    4.1                     
  $  5001 -  10000    12.7             3.3           0.5                    6.5                     
  $ 10001 -  15000     9.2             4.0           1.1                    7.3                     
  $ 15001 -  20000     8.1             4.9           1.9                    8.1                     
  $ 20001 -  25000     7.0             5.4           2.3                    7.7                     
  $ 25001 -  30000     6.0             5.7           2.3                    8.1                     
  $ 30001 -  35000     5.6             6.2           3.7                    7.0                     
  $ 35001 -  40000     4.6             6.0           3.5                    6.6                     
  $ 40001 -  45000     4.9             7.1           5.0                    6.8                     
  $ 45001 -  50000     4.7             7.7           7.2                    5.9                     
  $ 50001 -  75000    13.7            28.6          26.5                   21.4                     
  $ 75001 - 100000     5.5            16.0          27.4                    6.8                     
  OVER $100,000        1.8             8.1          18.5                    2.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-99,219            $0                   1.80                     
  $     1  -  5000                  $2,683           $20                   0.72                     
  $  5001 -  10000                  $7,478           $72                   1.34                     
  $ 10001 -  15000                 $12,536          $213                   2.08                     
  $ 15001 -  20000                 $17,507          $428                   2.61                     
  $ 20001 -  25000                 $22,459          $612                   2.89                     
  $ 25001 -  30000                 $27,453          $711                   3.57                     
  $ 30001 -  35000                 $32,419        $1,221                   3.31                     
  $ 35001 -  40000                 $37,597        $1,380                   3.78                     
  $ 40001 -  45000                 $42,478        $1,898                   3.68                     
  $ 45001 -  50000                 $47,491        $2,805                   3.27                     
  $ 50001 -  75000                 $60,555        $3,566                   4.11                     
  $ 75001 - 100000                 $84,963        $9,194                   3.25                     
  OVER $100,000                   $130,510       $18,944                   4.10                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $29,009        $1,840                   2.63                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2002 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                                                     
                        _________________________________________________                           
  UNDER $1               30    $-1,091,466            $0      0.00          61                      
  $     1  -  5000      189       $515,517        $2,504      0.49          77                      
  $  5001 -  10000      174     $1,274,170       $25,748      2.02         139                      
  $ 10001 -  15000      112     $1,403,747       $41,516      2.96         154                      
  $ 15001 -  20000      114     $2,010,554       $76,360      3.80         204                      
  $ 20001 -  25000       84     $1,900,000       $96,771      5.09         174                      
  $ 25001 -  30000       74     $2,016,116      $113,008      5.61         173                      
  $ 30001 -  35000       61     $1,981,513       $94,220      4.75         156                      
  $ 35001 -  40000       64     $2,397,967      $110,217      4.60         204                      
  $ 40001 -  45000       48     $2,023,394       $89,937      4.44         167                      
  $ 45001 -  50000       40     $1,898,385       $94,479      4.98         134                      
  $ 50001 -  75000      230    $14,334,926      $767,248      5.35         918                      
  $ 75001 - 100000      185    $16,034,977    $1,326,300      8.27         749                      
  $100001 - 250000      156    $20,828,782    $2,816,107     13.52         626                      
  OVER $250,000          10     $4,450,378    $1,129,160     25.37          35                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,571     $71,978,960    $6,783,575      9.42        3,971                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.9            -1.5           0.0                    1.5                     
  $     1  -  5000    12.0             0.7           0.0                    1.9                     
  $  5001 -  10000    11.1             1.8           0.4                    3.5                     
  $ 10001 -  15000     7.1             2.0           0.6                    3.9                     
  $ 15001 -  20000     7.3             2.8           1.1                    5.1                     
  $ 20001 -  25000     5.3             2.6           1.4                    4.4                     
  $ 25001 -  30000     4.7             2.8           1.7                    4.4                     
  $ 30001 -  35000     3.9             2.8           1.4                    3.9                     
  $ 35001 -  40000     4.1             3.3           1.6                    5.1                     
  $ 40001 -  45000     3.1             2.8           1.3                    4.2                     
  $ 45001 -  50000     2.5             2.6           1.4                    3.4                     
  $ 50001 -  75000    14.6            19.9          11.3                   23.1                     
  $ 75001 - 100000    11.8            22.3          19.6                   18.9                     
  $100001 - 250000     9.9            28.9          41.5                   15.8                     
  OVER $250,000        0.6             6.2          16.6                    0.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-36,382            $0                   2.03                     
  $     1  -  5000                  $2,728           $13                   0.41                     
  $  5001 -  10000                  $7,323          $148                   0.80                     
  $ 10001 -  15000                 $12,533          $371                   1.38                     
  $ 15001 -  20000                 $17,636          $670                   1.79                     
  $ 20001 -  25000                 $22,619        $1,152                   2.07                     
  $ 25001 -  30000                 $27,245        $1,527                   2.34                     
  $ 30001 -  35000                 $32,484        $1,545                   2.56                     
  $ 35001 -  40000                 $37,468        $1,722                   3.19                     
  $ 40001 -  45000                 $42,154        $1,874                   3.48                     
  $ 45001 -  50000                 $47,460        $2,362                   3.35                     
  $ 50001 -  75000                 $62,326        $3,336                   3.99                     
  $ 75001 - 100000                 $86,676        $7,169                   4.05                     
  $100001 - 250000                $133,518       $18,052                   4.01                     
  OVER $250,000                   $445,038      $112,916                   3.50                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $45,817        $4,318                   2.53                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2002 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                                                     
                        _________________________________________________                           
  UNDER $1              175   $-11,335,402        $8,086     -0.07         265                      
  $     1  -  5000    1,979     $5,107,032       $23,102      0.45         916                      
  $  5001 -  10000    1,684    $12,486,977      $201,388      1.61       1,501                      
  $ 10001 -  15000    1,465    $18,384,054      $463,049      2.52       2,015                      
  $ 15001 -  20000    1,339    $23,517,377      $840,120      3.57       2,214                      
  $ 20001 -  25000    1,272    $28,511,120    $1,239,827      4.35       2,398                      
  $ 25001 -  30000    1,082    $29,773,046    $1,533,995      5.15       2,214                      
  $ 30001 -  35000      956    $31,009,758    $1,730,570      5.58       2,025                      
  $ 35001 -  40000      954    $35,749,083    $2,104,931      5.89       2,238                      
  $ 40001 -  45000      788    $33,401,968    $2,267,728      6.79       1,902                      
  $ 45001 -  50000      736    $34,936,675    $2,488,121      7.12       1,940                      
  $ 50001 -  75000    2,573   $157,636,828   $12,185,038      7.73       7,702                      
  $ 75001 - 100000    1,505   $129,382,841   $12,667,222      9.79       5,015                      
  $100001 - 250000    1,477   $203,229,104   $29,760,657     14.64       5,153                      
  OVER $250,000         245   $150,697,810   $41,218,778     27.35         845                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             18,230    $882,488,271  $108,732,612     12.32       38,343                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.0            -1.3           0.0                    0.7                     
  $     1  -  5000    10.9             0.6           0.0                    2.4                     
  $  5001 -  10000     9.2             1.4           0.2                    3.9                     
  $ 10001 -  15000     8.0             2.1           0.4                    5.3                     
  $ 15001 -  20000     7.3             2.7           0.8                    5.8                     
  $ 20001 -  25000     7.0             3.2           1.1                    6.3                     
  $ 25001 -  30000     5.9             3.4           1.4                    5.8                     
  $ 30001 -  35000     5.2             3.5           1.6                    5.3                     
  $ 35001 -  40000     5.2             4.1           1.9                    5.8                     
  $ 40001 -  45000     4.3             3.8           2.1                    5.0                     
  $ 45001 -  50000     4.0             4.0           2.3                    5.1                     
  $ 50001 -  75000    14.1            17.9          11.2                   20.1                     
  $ 75001 - 100000     8.3            14.7          11.6                   13.1                     
  $100001 - 250000     8.1            23.0          27.4                   13.4                     
  OVER $250,000        1.3            17.1          37.9                    2.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-64,774           $46                   1.51                     
  $     1  -  5000                  $2,581           $12                   0.46                     
  $  5001 -  10000                  $7,415          $120                   0.89                     
  $ 10001 -  15000                 $12,549          $316                   1.38                     
  $ 15001 -  20000                 $17,563          $627                   1.65                     
  $ 20001 -  25000                 $22,414          $975                   1.89                     
  $ 25001 -  30000                 $27,517        $1,418                   2.05                     
  $ 30001 -  35000                 $32,437        $1,810                   2.12                     
  $ 35001 -  40000                 $37,473        $2,206                   2.35                     
  $ 40001 -  45000                 $42,388        $2,878                   2.41                     
  $ 45001 -  50000                 $47,468        $3,381                   2.64                     
  $ 50001 -  75000                 $61,266        $4,736                   2.99                     
  $ 75001 - 100000                 $85,969        $8,417                   3.33                     
  $100001 - 250000                $137,596       $20,149                   3.49                     
  OVER $250,000                   $615,093      $168,240                   3.45                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $48,409        $5,964                   2.10                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                      
                                                                                                    
****************************SUMMARY OF 2002 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                                                  
                        _________________________________________________                           
  UNDER $1               40      $-982,609          $274     -0.03          87                      
  $     1  -  5000      860     $2,451,207        $5,113      0.21         392                      
  $  5001 -  10000      768     $5,714,793       $85,298      1.49         795                      
  $ 10001 -  15000      630     $7,827,260      $188,319      2.41         997                      
  $ 15001 -  20000      600    $10,486,250      $338,069      3.22       1,118                      
  $ 20001 -  25000      555    $12,482,514      $520,294      4.17       1,158                      
  $ 25001 -  30000      544    $14,953,811      $704,940      4.71       1,258                      
  $ 30001 -  35000      457    $14,771,705      $760,341      5.15       1,138                      
  $ 35001 -  40000      434    $16,277,098      $903,579      5.55       1,192                      
  $ 40001 -  45000      365    $15,506,182      $831,847      5.36       1,156                      
  $ 45001 -  50000      322    $15,299,904      $927,135      6.06       1,054                      
  $ 50001 -  75000    1,267    $77,678,292    $5,773,781      7.43       4,327                      
  $ 75001 - 100000      545    $46,413,402    $4,607,204      9.93       1,984                      
  $100001 - 250000      242    $30,862,268    $4,637,076     15.03         841                      
  OVER $250,000          14     $5,167,000    $1,346,421     26.06          47                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              7,643    $274,909,077   $21,629,691      7.87       17,544                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.5            -0.4           0.0                    0.5                     
  $     1  -  5000    11.3             0.9           0.0                    2.2                     
  $  5001 -  10000    10.0             2.1           0.4                    4.5                     
  $ 10001 -  15000     8.2             2.8           0.9                    5.7                     
  $ 15001 -  20000     7.9             3.8           1.6                    6.4                     
  $ 20001 -  25000     7.3             4.5           2.4                    6.6                     
  $ 25001 -  30000     7.1             5.4           3.3                    7.2                     
  $ 30001 -  35000     6.0             5.4           3.5                    6.5                     
  $ 35001 -  40000     5.7             5.9           4.2                    6.8                     
  $ 40001 -  45000     4.8             5.6           3.8                    6.6                     
  $ 45001 -  50000     4.2             5.6           4.3                    6.0                     
  $ 50001 -  75000    16.6            28.3          26.7                   24.7                     
  $ 75001 - 100000     7.1            16.9          21.3                   11.3                     
  $100001 - 250000     3.2            11.2          21.4                    4.8                     
  OVER $250,000        0.2             1.9           6.2                    0.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-24,565            $7                   2.18                     
  $     1  -  5000                  $2,850            $6                   0.46                     
  $  5001 -  10000                  $7,441          $111                   1.04                     
  $ 10001 -  15000                 $12,424          $299                   1.58                     
  $ 15001 -  20000                 $17,477          $563                   1.86                     
  $ 20001 -  25000                 $22,491          $937                   2.09                     
  $ 25001 -  30000                 $27,489        $1,296                   2.31                     
  $ 30001 -  35000                 $32,323        $1,664                   2.49                     
  $ 35001 -  40000                 $37,505        $2,082                   2.75                     
  $ 40001 -  45000                 $42,483        $2,279                   3.17                     
  $ 45001 -  50000                 $47,515        $2,879                   3.27                     
  $ 50001 -  75000                 $61,309        $4,557                   3.42                     
  $ 75001 - 100000                 $85,162        $8,454                   3.64                     
  $100001 - 250000                $127,530       $19,161                   3.48                     
  OVER $250,000                   $369,071       $96,173                   3.36                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $35,969        $2,830                   2.30                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2002 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                                                    
                        _________________________________________________                           
  UNDER $1               92    $-1,554,764        $1,580     -0.10         182                      
  $     1  -  5000    1,221     $3,290,758        $3,897      0.12         879                      
  $  5001 -  10000    1,267     $9,397,231      $111,523      1.19       1,565                      
  $ 10001 -  15000    1,139    $14,132,501      $279,192      1.98       2,029                      
  $ 15001 -  20000      966    $16,879,589      $459,390      2.72       2,051                      
  $ 20001 -  25000      758    $16,947,063      $553,278      3.26       1,830                      
  $ 25001 -  30000      598    $16,405,808      $682,148      4.16       1,453                      
  $ 30001 -  35000      532    $17,225,165      $752,652      4.37       1,489                      
  $ 35001 -  40000      480    $17,995,737      $878,221      4.88       1,440                      
  $ 40001 -  45000      392    $16,656,497      $975,389      5.86       1,132                      
  $ 45001 -  50000      386    $18,314,081    $1,095,365      5.98       1,206                      
  $ 50001 -  75000    1,218    $74,487,525    $5,275,828      7.08       4,171                      
  $ 75001 - 100000      512    $43,679,288    $4,553,453     10.42       1,650                      
  $100001 - 250000      288    $38,354,952    $5,573,893     14.53       1,009                      
  OVER $250,000          32    $13,659,435    $3,311,069     24.24         114                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              9,881    $315,870,866   $24,506,878      7.76       22,200                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.9            -0.5           0.0                    0.8                     
  $     1  -  5000    12.4             1.0           0.0                    4.0                     
  $  5001 -  10000    12.8             3.0           0.5                    7.0                     
  $ 10001 -  15000    11.5             4.5           1.1                    9.1                     
  $ 15001 -  20000     9.8             5.3           1.9                    9.2                     
  $ 20001 -  25000     7.7             5.4           2.3                    8.2                     
  $ 25001 -  30000     6.1             5.2           2.8                    6.5                     
  $ 30001 -  35000     5.4             5.5           3.1                    6.7                     
  $ 35001 -  40000     4.9             5.7           3.6                    6.5                     
  $ 40001 -  45000     4.0             5.3           4.0                    5.1                     
  $ 45001 -  50000     3.9             5.8           4.5                    5.4                     
  $ 50001 -  75000    12.3            23.6          21.5                   18.8                     
  $ 75001 - 100000     5.2            13.8          18.6                    7.4                     
  $100001 - 250000     2.9            12.1          22.7                    4.5                     
  OVER $250,000        0.3             4.3          13.5                    0.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-16,900           $17                   1.98                     
  $     1  -  5000                  $2,695            $3                   0.72                     
  $  5001 -  10000                  $7,417           $88                   1.24                     
  $ 10001 -  15000                 $12,408          $245                   1.78                     
  $ 15001 -  20000                 $17,474          $476                   2.12                     
  $ 20001 -  25000                 $22,358          $730                   2.41                     
  $ 25001 -  30000                 $27,434        $1,141                   2.43                     
  $ 30001 -  35000                 $32,378        $1,415                   2.80                     
  $ 35001 -  40000                 $37,491        $1,830                   3.00                     
  $ 40001 -  45000                 $42,491        $2,488                   2.89                     
  $ 45001 -  50000                 $47,446        $2,838                   3.12                     
  $ 50001 -  75000                 $61,156        $4,332                   3.42                     
  $ 75001 - 100000                 $85,311        $8,893                   3.22                     
  $100001 - 250000                $133,177       $19,354                   3.50                     
  OVER $250,000                   $426,857      $103,471                   3.56                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $31,967        $2,480                   2.25                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2002 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                                                   
                        _________________________________________________                           
  UNDER $1               25      $-472,432           $26     -0.01          64                      
  $     1  -  5000      158       $403,796        $2,567      0.64          81                      
  $  5001 -  10000      118       $849,716       $15,875      1.87         101                      
  $ 10001 -  15000       85     $1,036,950       $28,376      2.74         128                      
  $ 15001 -  20000       72     $1,247,420       $51,040      4.09         136                      
  $ 20001 -  25000       63     $1,423,285       $49,969      3.51         156                      
  $ 25001 -  30000       43     $1,169,697       $39,433      3.37         124                      
  $ 30001 -  35000       41     $1,329,275       $52,104      3.92         122                      
  $ 35001 -  40000       34     $1,280,741       $31,578      2.47         110                      
  $ 40001 -  45000       47     $2,008,401       $49,157      2.45         196                      
  $ 45001 -  50000       60     $2,832,726       $80,512      2.84         257                      
  $ 50001 -  75000      296    $18,606,447      $813,521      4.37       1,291                      
  $ 75001 - 100000      234    $20,119,914    $1,238,678      6.16       1,065                      
  $100001 - 250000      169    $21,856,079    $2,593,178     11.86         762                      
  OVER $250,000          15     $7,777,325    $1,805,050     23.21          70                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,460     $81,469,340    $6,851,064      8.41        4,663                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.7            -0.6           0.0                    1.4                     
  $     1  -  5000    10.8             0.5           0.0                    1.7                     
  $  5001 -  10000     8.1             1.0           0.2                    2.2                     
  $ 10001 -  15000     5.8             1.3           0.4                    2.7                     
  $ 15001 -  20000     4.9             1.5           0.7                    2.9                     
  $ 20001 -  25000     4.3             1.7           0.7                    3.3                     
  $ 25001 -  30000     2.9             1.4           0.6                    2.7                     
  $ 30001 -  35000     2.8             1.6           0.8                    2.6                     
  $ 35001 -  40000     2.3             1.6           0.5                    2.4                     
  $ 40001 -  45000     3.2             2.5           0.7                    4.2                     
  $ 45001 -  50000     4.1             3.5           1.2                    5.5                     
  $ 50001 -  75000    20.3            22.8          11.9                   27.7                     
  $ 75001 - 100000    16.0            24.7          18.1                   22.8                     
  $100001 - 250000    11.6            26.8          37.9                   16.3                     
  OVER $250,000        1.0             9.5          26.3                    1.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-18,897            $1                   2.56                     
  $     1  -  5000                  $2,556           $16                   0.51                     
  $  5001 -  10000                  $7,201          $135                   0.86                     
  $ 10001 -  15000                 $12,199          $334                   1.51                     
  $ 15001 -  20000                 $17,325          $709                   1.89                     
  $ 20001 -  25000                 $22,592          $793                   2.48                     
  $ 25001 -  30000                 $27,202          $917                   2.88                     
  $ 30001 -  35000                 $32,421        $1,271                   2.98                     
  $ 35001 -  40000                 $37,669          $929                   3.24                     
  $ 40001 -  45000                 $42,732        $1,046                   4.17                     
  $ 45001 -  50000                 $47,212        $1,342                   4.28                     
  $ 50001 -  75000                 $62,860        $2,748                   4.36                     
  $ 75001 - 100000                 $85,983        $5,293                   4.55                     
  $100001 - 250000                $129,326       $15,344                   4.51                     
  OVER $250,000                   $518,488      $120,337                   4.67                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $55,801        $4,693                   3.19                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2002 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                                                   
                        _________________________________________________                           
  UNDER $1               34      $-342,643        $6,326     -1.85          67                      
  $     1  -  5000      855     $2,224,357       $14,000      0.63         255                      
  $  5001 -  10000      643     $4,714,578       $95,679      2.03         399                      
  $ 10001 -  15000      467     $5,784,415      $180,592      3.12         526                      
  $ 15001 -  20000      404     $7,065,223      $285,157      4.04         580                      
  $ 20001 -  25000      308     $6,913,678      $366,342      5.30         507                      
  $ 25001 -  30000      277     $7,587,931      $404,627      5.33         520                      
  $ 30001 -  35000      245     $7,937,747      $408,764      5.15         585                      
  $ 35001 -  40000      229     $8,567,384      $507,627      5.93         565                      
  $ 40001 -  45000      217     $9,233,297      $576,681      6.25         565                      
  $ 45001 -  50000      233    $11,078,480      $672,996      6.07         651                      
  $ 50001 -  75000      958    $60,082,907    $4,188,421      6.97       3,270                      
  $ 75001 - 100000      708    $61,438,622    $5,421,018      8.82       2,736                      
  $100001 - 250000      637    $85,890,542   $12,333,470     14.36       2,447                      
  OVER $250,000          66    $40,184,442   $10,323,973     25.69         297                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              6,281    $318,360,960   $35,785,673     11.24       13,970                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.5            -0.1           0.0                    0.5                     
  $     1  -  5000    13.6             0.7           0.0                    1.8                     
  $  5001 -  10000    10.2             1.5           0.3                    2.9                     
  $ 10001 -  15000     7.4             1.8           0.5                    3.8                     
  $ 15001 -  20000     6.4             2.2           0.8                    4.2                     
  $ 20001 -  25000     4.9             2.2           1.0                    3.6                     
  $ 25001 -  30000     4.4             2.4           1.1                    3.7                     
  $ 30001 -  35000     3.9             2.5           1.1                    4.2                     
  $ 35001 -  40000     3.6             2.7           1.4                    4.0                     
  $ 40001 -  45000     3.5             2.9           1.6                    4.0                     
  $ 45001 -  50000     3.7             3.5           1.9                    4.7                     
  $ 50001 -  75000    15.3            18.9          11.7                   23.4                     
  $ 75001 - 100000    11.3            19.3          15.1                   19.6                     
  $100001 - 250000    10.1            27.0          34.5                   17.5                     
  OVER $250,000        1.1            12.6          28.8                    2.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-10,078          $186                   1.97                     
  $     1  -  5000                  $2,602           $16                   0.30                     
  $  5001 -  10000                  $7,332          $149                   0.62                     
  $ 10001 -  15000                 $12,386          $387                   1.13                     
  $ 15001 -  20000                 $17,488          $706                   1.44                     
  $ 20001 -  25000                 $22,447        $1,189                   1.65                     
  $ 25001 -  30000                 $27,393        $1,461                   1.88                     
  $ 30001 -  35000                 $32,399        $1,668                   2.39                     
  $ 35001 -  40000                 $37,412        $2,217                   2.47                     
  $ 40001 -  45000                 $42,550        $2,658                   2.60                     
  $ 45001 -  50000                 $47,547        $2,888                   2.79                     
  $ 50001 -  75000                 $62,717        $4,372                   3.41                     
  $ 75001 - 100000                 $86,778        $7,657                   3.86                     
  $100001 - 250000                $134,836       $19,362                   3.84                     
  OVER $250,000                   $608,855      $156,424                   4.50                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $50,686        $5,697                   2.22                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2002 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                                                    
                        _________________________________________________                           
  UNDER $1               36    $-1,052,876            $0      0.00          60                      
  $     1  -  5000      926     $2,567,472        $2,064      0.08         759                      
  $  5001 -  10000      914     $6,921,411       $92,235      1.33       1,151                      
  $ 10001 -  15000      964    $12,044,196      $278,266      2.31       1,592                      
  $ 15001 -  20000    1,021    $17,746,412      $646,065      3.64       1,814                      
  $ 20001 -  25000      964    $21,629,047      $912,496      4.22       1,970                      
  $ 25001 -  30000      824    $22,656,377    $1,115,993      4.93       1,874                      
  $ 30001 -  35000      742    $24,178,964    $1,286,960      5.32       1,813                      
  $ 35001 -  40000      661    $24,760,522    $1,378,823      5.57       1,752                      
  $ 40001 -  45000      619    $26,287,658    $1,663,925      6.33       1,662                      
  $ 45001 -  50000      519    $24,653,489    $1,554,894      6.31       1,581                      
  $ 50001 -  75000    1,729   $104,236,139    $8,015,072      7.69       5,528                      
  $ 75001 - 100000      572    $48,233,406    $5,190,043     10.76       1,851                      
  OVER $100,000         192    $24,162,176    $3,775,083     15.62         573                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             10,683    $359,024,393   $25,911,919      7.22       23,980                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.3            -0.3           0.0                    0.3                     
  $     1  -  5000     8.7             0.7           0.0                    3.2                     
  $  5001 -  10000     8.6             1.9           0.4                    4.8                     
  $ 10001 -  15000     9.0             3.4           1.1                    6.6                     
  $ 15001 -  20000     9.6             4.9           2.5                    7.6                     
  $ 20001 -  25000     9.0             6.0           3.5                    8.2                     
  $ 25001 -  30000     7.7             6.3           4.3                    7.8                     
  $ 30001 -  35000     6.9             6.7           5.0                    7.6                     
  $ 35001 -  40000     6.2             6.9           5.3                    7.3                     
  $ 40001 -  45000     5.8             7.3           6.4                    6.9                     
  $ 45001 -  50000     4.9             6.9           6.0                    6.6                     
  $ 50001 -  75000    16.2            29.0          30.9                   23.1                     
  $ 75001 - 100000     5.4            13.4          20.0                    7.7                     
  OVER $100,000        1.8             6.7          14.6                    2.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-29,247            $0                   1.67                     
  $     1  -  5000                  $2,773            $2                   0.82                     
  $  5001 -  10000                  $7,573          $101                   1.26                     
  $ 10001 -  15000                 $12,494          $289                   1.65                     
  $ 15001 -  20000                 $17,381          $633                   1.78                     
  $ 20001 -  25000                 $22,437          $947                   2.04                     
  $ 25001 -  30000                 $27,496        $1,354                   2.27                     
  $ 30001 -  35000                 $32,586        $1,734                   2.44                     
  $ 35001 -  40000                 $37,459        $2,086                   2.65                     
  $ 40001 -  45000                 $42,468        $2,688                   2.68                     
  $ 45001 -  50000                 $47,502        $2,996                   3.05                     
  $ 50001 -  75000                 $60,287        $4,636                   3.20                     
  $ 75001 - 100000                 $84,324        $9,074                   3.24                     
  OVER $100,000                   $125,845       $19,662                   2.98                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $33,607        $2,426                   2.24                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 2002 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                                                       
                        _________________________________________________                           
  UNDER $1               12      $-204,991            $0      0.00          22                      
  $     1  -  5000      437     $1,131,671        $2,200      0.19         187                      
  $  5001 -  10000      419     $3,086,590       $59,601      1.93         294                      
  $ 10001 -  15000      333     $4,167,327      $124,561      2.99         449                      
  $ 15001 -  20000      330     $5,784,711      $214,113      3.70         555                      
  $ 20001 -  25000      317     $7,149,984      $301,697      4.22         662                      
  $ 25001 -  30000      292     $7,994,288      $349,872      4.38         687                      
  $ 30001 -  35000      282     $9,177,837      $383,652      4.18         773                      
  $ 35001 -  40000      320    $12,000,525      $572,514      4.77         916                      
  $ 40001 -  45000      325    $13,806,662      $629,938      4.56       1,071                      
  $ 45001 -  50000      325    $15,502,176      $801,680      5.17       1,081                      
  $ 50001 -  75000    1,253    $76,549,370    $5,141,471      6.72       4,420                      
  $ 75001 - 100000      490    $41,576,774    $4,145,326      9.97       1,706                      
  OVER $100,000         163    $20,549,608    $3,089,430     15.03         552                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              5,298    $218,272,532   $15,816,055      7.25       13,375                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.2            -0.1           0.0                    0.2                     
  $     1  -  5000     8.2             0.5           0.0                    1.4                     
  $  5001 -  10000     7.9             1.4           0.4                    2.2                     
  $ 10001 -  15000     6.3             1.9           0.8                    3.4                     
  $ 15001 -  20000     6.2             2.7           1.4                    4.1                     
  $ 20001 -  25000     6.0             3.3           1.9                    4.9                     
  $ 25001 -  30000     5.5             3.7           2.2                    5.1                     
  $ 30001 -  35000     5.3             4.2           2.4                    5.8                     
  $ 35001 -  40000     6.0             5.5           3.6                    6.8                     
  $ 40001 -  45000     6.1             6.3           4.0                    8.0                     
  $ 45001 -  50000     6.1             7.1           5.1                    8.1                     
  $ 50001 -  75000    23.7            35.1          32.5                   33.0                     
  $ 75001 - 100000     9.2            19.0          26.2                   12.8                     
  OVER $100,000        3.1             9.4          19.5                    4.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-17,083            $0                   1.83                     
  $     1  -  5000                  $2,590            $5                   0.43                     
  $  5001 -  10000                  $7,367          $142                   0.70                     
  $ 10001 -  15000                 $12,514          $374                   1.35                     
  $ 15001 -  20000                 $17,529          $649                   1.68                     
  $ 20001 -  25000                 $22,555          $952                   2.09                     
  $ 25001 -  30000                 $27,378        $1,198                   2.35                     
  $ 30001 -  35000                 $32,546        $1,360                   2.74                     
  $ 35001 -  40000                 $37,502        $1,789                   2.86                     
  $ 40001 -  45000                 $42,482        $1,938                   3.30                     
  $ 45001 -  50000                 $47,699        $2,467                   3.33                     
  $ 50001 -  75000                 $61,093        $4,103                   3.53                     
  $ 75001 - 100000                 $84,851        $8,460                   3.48                     
  OVER $100,000                   $126,071       $18,954                   3.39                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $41,199        $2,985                   2.52                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2002 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                                                     
                        _________________________________________________                           
  UNDER $1               20      $-768,438          $533     -0.07          48                      
  $     1  -  5000      104       $313,507          $863      0.28          29                      
  $  5001 -  10000      100       $743,739       $10,585      1.42          87                      
  $ 10001 -  15000       82     $1,014,554       $21,332      2.10         130                      
  $ 15001 -  20000       59     $1,032,461       $31,940      3.09         106                      
  $ 20001 -  25000       71     $1,600,124       $78,552      4.91         127                      
  $ 25001 -  30000       72     $1,981,570      $103,518      5.22         162                      
  $ 30001 -  35000       70     $2,286,958      $107,816      4.71         192                      
  $ 35001 -  40000       62     $2,326,388      $118,757      5.10         176                      
  $ 40001 -  45000       50     $2,136,575       $94,745      4.43         171                      
  $ 45001 -  50000       48     $2,273,287      $123,034      5.41         155                      
  $ 50001 -  75000      173    $10,615,085      $780,852      7.36         576                      
  $ 75001 - 100000       82     $6,982,235      $707,273     10.13         278                      
  OVER $100,000          40     $6,489,799    $1,150,112     17.72         125                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,033     $39,027,844    $3,329,912      8.53        2,362                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.9            -2.0           0.0                    2.0                     
  $     1  -  5000    10.1             0.8           0.0                    1.2                     
  $  5001 -  10000     9.7             1.9           0.3                    3.7                     
  $ 10001 -  15000     7.9             2.6           0.6                    5.5                     
  $ 15001 -  20000     5.7             2.6           1.0                    4.5                     
  $ 20001 -  25000     6.9             4.1           2.4                    5.4                     
  $ 25001 -  30000     7.0             5.1           3.1                    6.9                     
  $ 30001 -  35000     6.8             5.9           3.2                    8.1                     
  $ 35001 -  40000     6.0             6.0           3.6                    7.5                     
  $ 40001 -  45000     4.8             5.5           2.8                    7.2                     
  $ 45001 -  50000     4.6             5.8           3.7                    6.6                     
  $ 50001 -  75000    16.7            27.2          23.4                   24.4                     
  $ 75001 - 100000     7.9            17.9          21.2                   11.8                     
  OVER $100,000        3.9            16.6          34.5                    5.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-38,422           $27                   2.40                     
  $     1  -  5000                  $3,014            $8                   0.28                     
  $  5001 -  10000                  $7,437          $106                   0.87                     
  $ 10001 -  15000                 $12,373          $260                   1.59                     
  $ 15001 -  20000                 $17,499          $541                   1.80                     
  $ 20001 -  25000                 $22,537        $1,106                   1.79                     
  $ 25001 -  30000                 $27,522        $1,438                   2.25                     
  $ 30001 -  35000                 $32,671        $1,540                   2.74                     
  $ 35001 -  40000                 $37,522        $1,915                   2.84                     
  $ 40001 -  45000                 $42,732        $1,895                   3.42                     
  $ 45001 -  50000                 $47,360        $2,563                   3.23                     
  $ 50001 -  75000                 $61,359        $4,514                   3.33                     
  $ 75001 - 100000                 $85,149        $8,625                   3.39                     
  OVER $100,000                   $162,245       $28,753                   3.13                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $37,781        $3,224                   2.29                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2002 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                                                         
                        _________________________________________________                           
  UNDER $1               44    $-6,786,606          $527     -0.01         108                      
  $     1  -  5000      216       $597,179        $2,113      0.35         108                      
  $  5001 -  10000      246     $1,843,652       $43,112      2.34         269                      
  $ 10001 -  15000      206     $2,585,434       $48,540      1.88         383                      
  $ 15001 -  20000      131     $2,302,905       $64,123      2.78         298                      
  $ 20001 -  25000      121     $2,719,382       $70,385      2.59         344                      
  $ 25001 -  30000      116     $3,181,135      $102,964      3.24         356                      
  $ 30001 -  35000      100     $3,244,656      $110,825      3.42         303                      
  $ 35001 -  40000       81     $3,037,365      $111,221      3.66         286                      
  $ 40001 -  45000       63     $2,665,242      $127,525      4.78         229                      
  $ 45001 -  50000       71     $3,375,034      $182,936      5.42         262                      
  $ 50001 -  75000      283    $17,876,477    $1,282,058      7.17       1,083                      
  $ 75001 - 100000      142    $12,114,730    $1,180,270      9.74         585                      
  OVER $100,000          47     $6,064,680      $869,779     14.34         185                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,867     $54,821,265    $4,196,378      7.65        4,799                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             2.4           -12.4           0.0                    2.3                     
  $     1  -  5000    11.6             1.1           0.1                    2.3                     
  $  5001 -  10000    13.2             3.4           1.0                    5.6                     
  $ 10001 -  15000    11.0             4.7           1.2                    8.0                     
  $ 15001 -  20000     7.0             4.2           1.5                    6.2                     
  $ 20001 -  25000     6.5             5.0           1.7                    7.2                     
  $ 25001 -  30000     6.2             5.8           2.5                    7.4                     
  $ 30001 -  35000     5.4             5.9           2.6                    6.3                     
  $ 35001 -  40000     4.3             5.5           2.7                    6.0                     
  $ 40001 -  45000     3.4             4.9           3.0                    4.8                     
  $ 45001 -  50000     3.8             6.2           4.4                    5.5                     
  $ 50001 -  75000    15.2            32.6          30.6                   22.6                     
  $ 75001 - 100000     7.6            22.1          28.1                   12.2                     
  OVER $100,000        2.5            11.1          20.7                    3.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-154241           $12                   2.45                     
  $     1  -  5000                  $2,765           $10                   0.50                     
  $  5001 -  10000                  $7,495          $175                   1.09                     
  $ 10001 -  15000                 $12,551          $236                   1.86                     
  $ 15001 -  20000                 $17,579          $489                   2.27                     
  $ 20001 -  25000                 $22,474          $582                   2.84                     
  $ 25001 -  30000                 $27,424          $888                   3.07                     
  $ 30001 -  35000                 $32,447        $1,108                   3.03                     
  $ 35001 -  40000                 $37,498        $1,373                   3.53                     
  $ 40001 -  45000                 $42,305        $2,024                   3.63                     
  $ 45001 -  50000                 $47,536        $2,577                   3.69                     
  $ 50001 -  75000                 $63,168        $4,530                   3.83                     
  $ 75001 - 100000                 $85,315        $8,312                   4.12                     
  OVER $100,000                   $129,036       $18,506                   3.94                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $29,363        $2,248                   2.57                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2002 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                                                        
                        _________________________________________________                           
  UNDER $1              118    $-6,535,391        $8,388     -0.13         240                      
  $     1  -  5000      866     $2,206,427       $23,816      1.08         355                      
  $  5001 -  10000      682     $5,014,999      $105,592      2.11         537                      
  $ 10001 -  15000      577     $7,111,536      $229,567      3.23         781                      
  $ 15001 -  20000      503     $8,811,125      $334,545      3.80         815                      
  $ 20001 -  25000      464    $10,481,282      $486,894      4.65         854                      
  $ 25001 -  30000      416    $11,457,553      $578,468      5.05         859                      
  $ 30001 -  35000      375    $12,171,683      $707,299      5.81         794                      
  $ 35001 -  40000      352    $13,189,260      $704,837      5.34         843                      
  $ 40001 -  45000      335    $14,219,469      $824,438      5.80         856                      
  $ 45001 -  50000      356    $16,901,978      $988,133      5.85       1,001                      
  $ 50001 -  75000    1,581    $98,504,612    $6,609,622      6.71       4,967                      
  $ 75001 - 100000    1,188   $103,343,451    $9,203,583      8.91       4,077                      
  $100001 - 250000    1,539   $215,772,649   $30,742,398     14.25       5,668                      
  OVER $250,000         182   $107,403,710   $25,393,658     23.64         658                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              9,534    $620,054,343   $76,941,238     12.41       23,305                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.2            -1.1           0.0                    1.0                     
  $     1  -  5000     9.1             0.4           0.0                    1.5                     
  $  5001 -  10000     7.2             0.8           0.1                    2.3                     
  $ 10001 -  15000     6.1             1.1           0.3                    3.4                     
  $ 15001 -  20000     5.3             1.4           0.4                    3.5                     
  $ 20001 -  25000     4.9             1.7           0.6                    3.7                     
  $ 25001 -  30000     4.4             1.8           0.8                    3.7                     
  $ 30001 -  35000     3.9             2.0           0.9                    3.4                     
  $ 35001 -  40000     3.7             2.1           0.9                    3.6                     
  $ 40001 -  45000     3.5             2.3           1.1                    3.7                     
  $ 45001 -  50000     3.7             2.7           1.3                    4.3                     
  $ 50001 -  75000    16.6            15.9           8.6                   21.3                     
  $ 75001 - 100000    12.5            16.7          12.0                   17.5                     
  $100001 - 250000    16.1            34.8          40.0                   24.3                     
  OVER $250,000        1.9            17.3          33.0                    2.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-55,385           $71                   2.03                     
  $     1  -  5000                  $2,548           $28                   0.41                     
  $  5001 -  10000                  $7,353          $155                   0.79                     
  $ 10001 -  15000                 $12,325          $398                   1.35                     
  $ 15001 -  20000                 $17,517          $665                   1.62                     
  $ 20001 -  25000                 $22,589        $1,049                   1.84                     
  $ 25001 -  30000                 $27,542        $1,391                   2.06                     
  $ 30001 -  35000                 $32,458        $1,886                   2.12                     
  $ 35001 -  40000                 $37,469        $2,002                   2.39                     
  $ 40001 -  45000                 $42,446        $2,461                   2.56                     
  $ 45001 -  50000                 $47,477        $2,776                   2.81                     
  $ 50001 -  75000                 $62,305        $4,181                   3.14                     
  $ 75001 - 100000                 $86,989        $7,747                   3.43                     
  $100001 - 250000                $140,203       $19,976                   3.68                     
  OVER $250,000                   $590,130      $139,526                   3.62                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $65,036        $8,070                   2.44                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2002 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                                                      
                        _________________________________________________                           
  UNDER $1               26      $-859,960          $578     -0.07          62                      
  $     1  -  5000      112       $297,130           $96      0.03          90                      
  $  5001 -  10000       85       $644,566       $12,030      1.87         116                      
  $ 10001 -  15000       89     $1,107,717       $13,247      1.20         192                      
  $ 15001 -  20000       73     $1,265,963       $26,295      2.08         177                      
  $ 20001 -  25000       58     $1,291,352       $39,621      3.07         142                      
  $ 25001 -  30000       75     $2,065,304       $90,787      4.40         190                      
  $ 30001 -  35000       52     $1,686,526       $71,889      4.26         160                      
  $ 35001 -  40000       63     $2,353,758      $106,811      4.54         197                      
  $ 40001 -  45000       42     $1,779,686       $91,315      5.13         150                      
  $ 45001 -  50000       42     $1,988,243       $81,908      4.12         173                      
  $ 50001 -  75000      106     $6,119,216      $439,332      7.18         373                      
  $ 75001 - 250000       45     $4,338,263      $536,947     12.38         150                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                868     $24,077,764    $1,510,856      6.27        2,172                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             3.0            -3.6           0.0                    2.9                     
  $     1  -  5000    12.9             1.2           0.0                    4.1                     
  $  5001 -  10000     9.8             2.7           0.8                    5.3                     
  $ 10001 -  15000    10.3             4.6           0.9                    8.8                     
  $ 15001 -  20000     8.4             5.3           1.7                    8.1                     
  $ 20001 -  25000     6.7             5.4           2.6                    6.5                     
  $ 25001 -  30000     8.6             8.6           6.0                    8.7                     
  $ 30001 -  35000     6.0             7.0           4.8                    7.4                     
  $ 35001 -  40000     7.3             9.8           7.1                    9.1                     
  $ 40001 -  45000     4.8             7.4           6.0                    6.9                     
  $ 45001 -  50000     4.8             8.3           5.4                    8.0                     
  $ 50001 -  75000    12.2            25.4          29.1                   17.2                     
  $ 75001 - 250000     5.2            18.0          35.5                    6.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-33,075           $22                   2.38                     
  $     1  -  5000                  $2,653            $1                   0.80                     
  $  5001 -  10000                  $7,583          $142                   1.36                     
  $ 10001 -  15000                 $12,446          $149                   2.16                     
  $ 15001 -  20000                 $17,342          $360                   2.42                     
  $ 20001 -  25000                 $22,265          $683                   2.45                     
  $ 25001 -  30000                 $27,537        $1,210                   2.53                     
  $ 30001 -  35000                 $32,433        $1,382                   3.08                     
  $ 35001 -  40000                 $37,361        $1,695                   3.13                     
  $ 40001 -  45000                 $42,373        $2,174                   3.57                     
  $ 45001 -  50000                 $47,339        $1,950                   4.12                     
  $ 50001 -  75000                 $57,728        $4,145                   3.52                     
  $ 75001 - 250000                 $96,406       $11,932                   3.33                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $27,739        $1,741                   2.50                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                    
                                                                                                    
****************************SUMMARY OF 2002 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                                                
                        _________________________________________________                           
  UNDER $1               13      $-285,049            $0      0.00          37                      
  $     1  -  5000      111       $308,666        $1,867      0.60          81                      
  $  5001 -  10000       79       $579,427        $7,121      1.23         125                      
  $ 10001 -  15000       87     $1,083,531       $16,549      1.53         209                      
  $ 15001 -  20000       87     $1,534,703       $37,542      2.45         235                      
  $ 20001 -  25000      110     $2,456,478       $71,951      2.93         305                      
  $ 25001 -  30000      130     $3,610,123       $95,245      2.64         387                      
  $ 30001 -  35000      132     $4,288,802      $104,030      2.43         452                      
  $ 35001 -  40000      192     $7,212,238      $172,290      2.39         689                      
  $ 40001 -  45000      161     $6,804,824      $191,992      2.82         605                      
  $ 45001 -  50000      167     $7,904,982      $267,661      3.39         623                      
  $ 50001 -  75000      452    $27,285,522    $1,424,091      5.22       1,711                      
  $ 75001 - 100000      133    $11,400,677      $841,525      7.38         542                      
  OVER $100,000          75    $10,568,882    $1,498,213     14.18         313                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,929     $84,753,806    $4,730,077      5.58        6,314                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.7            -0.3           0.0                    0.6                     
  $     1  -  5000     5.8             0.4           0.0                    1.3                     
  $  5001 -  10000     4.1             0.7           0.2                    2.0                     
  $ 10001 -  15000     4.5             1.3           0.3                    3.3                     
  $ 15001 -  20000     4.5             1.8           0.8                    3.7                     
  $ 20001 -  25000     5.7             2.9           1.5                    4.8                     
  $ 25001 -  30000     6.7             4.3           2.0                    6.1                     
  $ 30001 -  35000     6.8             5.1           2.2                    7.2                     
  $ 35001 -  40000    10.0             8.5           3.6                   10.9                     
  $ 40001 -  45000     8.3             8.0           4.1                    9.6                     
  $ 45001 -  50000     8.7             9.3           5.7                    9.9                     
  $ 50001 -  75000    23.4            32.2          30.1                   27.1                     
  $ 75001 - 100000     6.9            13.5          17.8                    8.6                     
  OVER $100,000        3.9            12.5          31.7                    5.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-21,927            $0                   2.85                     
  $     1  -  5000                  $2,781           $17                   0.73                     
  $  5001 -  10000                  $7,335           $90                   1.58                     
  $ 10001 -  15000                 $12,454          $190                   2.40                     
  $ 15001 -  20000                 $17,640          $432                   2.70                     
  $ 20001 -  25000                 $22,332          $654                   2.77                     
  $ 25001 -  30000                 $27,770          $733                   2.98                     
  $ 30001 -  35000                 $32,491          $788                   3.42                     
  $ 35001 -  40000                 $37,564          $897                   3.59                     
  $ 40001 -  45000                 $42,266        $1,192                   3.76                     
  $ 45001 -  50000                 $47,335        $1,603                   3.73                     
  $ 50001 -  75000                 $60,366        $3,151                   3.79                     
  $ 75001 - 100000                 $85,719        $6,327                   4.08                     
  OVER $100,000                   $140,918       $19,976                   4.17                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $43,937        $2,452                   3.27                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                              
                                                                                                    
****************************SUMMARY OF 2002 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                                                          
                        _________________________________________________                           
  UNDER $1               21    $-1,497,540        $5,674     -0.38          50                      
  $     1  -  5000       91       $261,391          $148      0.06          24                      
  $  5001 -  10000       92       $669,300       $10,579      1.58          67                      
  $ 10001 -  1