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                                                                      
ENOCH 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                                                                      
LEWISTON 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 TERRACE 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 2004 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               59    $-4,081,474        $3,524     -0.09         129                      
  $     1  -  5000      424     $1,063,276        $8,046      0.76         150                      
  $  5001 -  10000      286     $2,120,995       $50,003      2.36         230                      
  $ 10001 -  15000      205     $2,539,715       $76,877      3.03         295                      
  $ 15001 -  20000      160     $2,771,836       $96,270      3.47         278                      
  $ 20001 -  25000       99     $2,192,185       $75,939      3.46         220                      
  $ 25001 -  30000       91     $2,508,910       $88,810      3.54         224                      
  $ 30001 -  35000       74     $2,384,250       $76,435      3.21         194                      
  $ 35001 -  40000       64     $2,380,588       $92,918      3.90         180                      
  $ 40001 -  45000       66     $2,793,555       $98,833      3.54         185                      
  $ 45001 -  50000       56     $2,654,461      $105,673      3.98         198                      
  $ 50001 -  75000      327    $20,313,016      $964,718      4.75       1,213                      
  $ 75001 - 100000      267    $23,118,164    $1,228,029      5.31       1,184                      
  $100001 - 250000      511    $76,202,978    $8,580,066     11.26       2,330                      
  OVER $250,000         136    $79,296,259   $18,190,530     22.94         628                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,825    $218,258,714   $29,736,671     13.62        7,638                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             2.1            -1.9           0.0                    1.7                     
  $     1  -  5000    15.0             0.5           0.0                    2.0                     
  $  5001 -  10000    10.1             1.0           0.2                    3.0                     
  $ 10001 -  15000     7.3             1.2           0.3                    3.9                     
  $ 15001 -  20000     5.7             1.3           0.3                    3.6                     
  $ 20001 -  25000     3.5             1.0           0.3                    2.9                     
  $ 25001 -  30000     3.2             1.1           0.3                    2.9                     
  $ 30001 -  35000     2.6             1.1           0.3                    2.5                     
  $ 35001 -  40000     2.3             1.1           0.3                    2.4                     
  $ 40001 -  45000     2.3             1.3           0.3                    2.4                     
  $ 45001 -  50000     2.0             1.2           0.4                    2.6                     
  $ 50001 -  75000    11.6             9.3           3.2                   15.9                     
  $ 75001 - 100000     9.5            10.6           4.1                   15.5                     
  $100001 - 250000    18.1            34.9          28.9                   30.5                     
  OVER $250,000        4.8            36.3          61.2                    8.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-69,178           $60                   2.19                     
  $     1  -  5000                  $2,508           $19                   0.35                     
  $  5001 -  10000                  $7,416          $175                   0.80                     
  $ 10001 -  15000                 $12,389          $375                   1.44                     
  $ 15001 -  20000                 $17,324          $602                   1.74                     
  $ 20001 -  25000                 $22,143          $767                   2.22                     
  $ 25001 -  30000                 $27,570          $976                   2.46                     
  $ 30001 -  35000                 $32,220        $1,033                   2.62                     
  $ 35001 -  40000                 $37,197        $1,452                   2.81                     
  $ 40001 -  45000                 $42,327        $1,497                   2.80                     
  $ 45001 -  50000                 $47,401        $1,887                   3.54                     
  $ 50001 -  75000                 $62,119        $2,950                   3.71                     
  $ 75001 - 100000                 $86,585        $4,599                   4.43                     
  $100001 - 250000                $149,125       $16,791                   4.56                     
  OVER $250,000                   $583,061      $133,754                   4.62                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $77,260       $10,526                   2.70                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                     
                                                                                                    
****************************SUMMARY OF 2004 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               74    $-1,728,950        $2,876     -0.17         164                      
  $     1  -  5000      862     $2,328,090       $10,246      0.44         446                      
  $  5001 -  10000      850     $6,270,698       $86,664      1.38         894                      
  $ 10001 -  15000      803     $9,999,946      $208,399      2.08       1,398                      
  $ 15001 -  20000      725    $12,689,467      $347,475      2.74       1,456                      
  $ 20001 -  25000      657    $14,728,050      $480,235      3.26       1,511                      
  $ 25001 -  30000      556    $15,278,458      $508,236      3.33       1,419                      
  $ 30001 -  35000      463    $15,076,897      $586,140      3.89       1,224                      
  $ 35001 -  40000      454    $17,071,496      $632,004      3.70       1,369                      
  $ 40001 -  45000      390    $16,525,564      $608,973      3.69       1,289                      
  $ 45001 -  50000      370    $17,567,729      $737,271      4.20       1,214                      
  $ 50001 -  75000    1,486    $91,367,356    $4,507,228      4.93       5,494                      
  $ 75001 - 100000      725    $61,921,077    $4,135,871      6.68       2,903                      
  $100001 - 250000      495    $65,148,815    $7,335,531     11.26       2,024                      
  OVER $250,000          38    $21,485,699    $4,621,821     21.51          99                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,948    $365,730,392   $24,808,970      6.78       22,904                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -0.5           0.0                    0.7                     
  $     1  -  5000     9.6             0.6           0.0                    1.9                     
  $  5001 -  10000     9.5             1.7           0.3                    3.9                     
  $ 10001 -  15000     9.0             2.7           0.8                    6.1                     
  $ 15001 -  20000     8.1             3.5           1.4                    6.4                     
  $ 20001 -  25000     7.3             4.0           1.9                    6.6                     
  $ 25001 -  30000     6.2             4.2           2.0                    6.2                     
  $ 30001 -  35000     5.2             4.1           2.4                    5.3                     
  $ 35001 -  40000     5.1             4.7           2.5                    6.0                     
  $ 40001 -  45000     4.4             4.5           2.5                    5.6                     
  $ 45001 -  50000     4.1             4.8           3.0                    5.3                     
  $ 50001 -  75000    16.6            25.0          18.2                   24.0                     
  $ 75001 - 100000     8.1            16.9          16.7                   12.7                     
  $100001 - 250000     5.5            17.8          29.6                    8.8                     
  OVER $250,000        0.4             5.9          18.6                    0.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-23,364           $39                   2.22                     
  $     1  -  5000                  $2,701           $12                   0.52                     
  $  5001 -  10000                  $7,377          $102                   1.05                     
  $ 10001 -  15000                 $12,453          $260                   1.74                     
  $ 15001 -  20000                 $17,503          $479                   2.01                     
  $ 20001 -  25000                 $22,417          $731                   2.30                     
  $ 25001 -  30000                 $27,479          $914                   2.55                     
  $ 30001 -  35000                 $32,563        $1,266                   2.64                     
  $ 35001 -  40000                 $37,602        $1,392                   3.02                     
  $ 40001 -  45000                 $42,373        $1,561                   3.31                     
  $ 45001 -  50000                 $47,480        $1,993                   3.28                     
  $ 50001 -  75000                 $61,485        $3,033                   3.70                     
  $ 75001 - 100000                 $85,408        $5,705                   4.00                     
  $100001 - 250000                $131,614       $14,819                   4.09                     
  OVER $250,000                   $565,413      $121,627                   2.61                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $40,873        $2,773                   2.56                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2004 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               23      $-860,502          $274     -0.03          43                      
  $     1  -  5000      137       $397,784          $208      0.05          75                      
  $  5001 -  10000      146     $1,070,499       $11,118      1.04         151                      
  $ 10001 -  15000      124     $1,545,207       $30,654      1.98         226                      
  $ 15001 -  20000      140     $2,425,920       $51,205      2.11         277                      
  $ 20001 -  25000       93     $2,080,389       $64,763      3.11         198                      
  $ 25001 -  30000       78     $2,179,292       $62,784      2.88         220                      
  $ 30001 -  35000       78     $2,546,486       $81,187      3.19         230                      
  $ 35001 -  40000       77     $2,901,427      $116,737      4.02         226                      
  $ 40001 -  45000       76     $3,230,671      $123,045      3.81         249                      
  $ 45001 -  50000       55     $2,605,418      $127,011      4.87         185                      
  $ 50001 -  75000      161     $9,771,260      $560,079      5.73         576                      
  $ 75001 - 100000       74     $6,161,195      $503,598      8.17         254                      
  $100001 - 250000       29     $3,602,801      $444,255     12.33          86                      
  OVER $250,000          10     $3,718,240      $772,351     20.77          44                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,301     $43,376,087    $2,949,269      6.80        3,040                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.8            -2.0           0.0                    1.4                     
  $     1  -  5000    10.5             0.9           0.0                    2.5                     
  $  5001 -  10000    11.2             2.5           0.4                    5.0                     
  $ 10001 -  15000     9.5             3.6           1.0                    7.4                     
  $ 15001 -  20000    10.8             5.6           1.7                    9.1                     
  $ 20001 -  25000     7.1             4.8           2.2                    6.5                     
  $ 25001 -  30000     6.0             5.0           2.1                    7.2                     
  $ 30001 -  35000     6.0             5.9           2.8                    7.6                     
  $ 35001 -  40000     5.9             6.7           4.0                    7.4                     
  $ 40001 -  45000     5.8             7.4           4.2                    8.2                     
  $ 45001 -  50000     4.2             6.0           4.3                    6.1                     
  $ 50001 -  75000    12.4            22.5          19.0                   18.9                     
  $ 75001 - 100000     5.7            14.2          17.1                    8.4                     
  $100001 - 250000     2.2             8.3          15.1                    2.8                     
  OVER $250,000        0.8             8.6          26.2                    1.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-37,413           $12                   1.87                     
  $     1  -  5000                  $2,904            $2                   0.55                     
  $  5001 -  10000                  $7,332           $76                   1.03                     
  $ 10001 -  15000                 $12,461          $247                   1.82                     
  $ 15001 -  20000                 $17,328          $366                   1.98                     
  $ 20001 -  25000                 $22,370          $696                   2.13                     
  $ 25001 -  30000                 $27,940          $805                   2.82                     
  $ 30001 -  35000                 $32,647        $1,041                   2.95                     
  $ 35001 -  40000                 $37,681        $1,516                   2.94                     
  $ 40001 -  45000                 $42,509        $1,619                   3.28                     
  $ 45001 -  50000                 $47,371        $2,309                   3.36                     
  $ 50001 -  75000                 $60,691        $3,479                   3.58                     
  $ 75001 - 100000                 $83,259        $6,805                   3.43                     
  $100001 - 250000                $124,235       $15,319                   2.97                     
  OVER $250,000                   $371,824       $77,235                   4.40                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $33,341        $2,267                   2.34                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2004 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               14    $-1,419,164            $0      0.00          22                      
  $     1  -  5000      170       $470,231          $948      0.20         136                      
  $  5001 -  10000      133       $983,699       $12,234      1.24         171                      
  $ 10001 -  15000      101     $1,274,674       $19,755      1.55         200                      
  $ 15001 -  20000      113     $1,964,847       $41,440      2.11         281                      
  $ 20001 -  25000       69     $1,550,600       $34,386      2.22         199                      
  $ 25001 -  30000       84     $2,313,131       $60,315      2.61         268                      
  $ 30001 -  35000       70     $2,260,026       $53,396      2.36         259                      
  $ 35001 -  40000       55     $2,045,055       $63,551      3.11         189                      
  $ 40001 -  45000       55     $2,334,883       $87,478      3.75         195                      
  $ 45001 -  50000       58     $2,763,450      $119,660      4.33         215                      
  $ 50001 -  75000      159     $9,732,661      $546,502      5.62         590                      
  $ 75001 - 100000       82     $6,983,727      $545,336      7.81         317                      
  OVER $100,000          36     $5,922,479      $955,346     16.13         123                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,199     $39,180,299    $2,540,347      6.48        3,165                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.2            -3.6           0.0                    0.7                     
  $     1  -  5000    14.2             1.2           0.0                    4.3                     
  $  5001 -  10000    11.1             2.5           0.5                    5.4                     
  $ 10001 -  15000     8.4             3.3           0.8                    6.3                     
  $ 15001 -  20000     9.4             5.0           1.6                    8.9                     
  $ 20001 -  25000     5.8             4.0           1.4                    6.3                     
  $ 25001 -  30000     7.0             5.9           2.4                    8.5                     
  $ 30001 -  35000     5.8             5.8           2.1                    8.2                     
  $ 35001 -  40000     4.6             5.2           2.5                    6.0                     
  $ 40001 -  45000     4.6             6.0           3.4                    6.2                     
  $ 45001 -  50000     4.8             7.1           4.7                    6.8                     
  $ 50001 -  75000    13.3            24.8          21.5                   18.6                     
  $ 75001 - 100000     6.8            17.8          21.5                   10.0                     
  OVER $100,000        3.0            15.1          37.6                    3.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-101369            $0                   1.57                     
  $     1  -  5000                  $2,766            $6                   0.80                     
  $  5001 -  10000                  $7,396           $92                   1.29                     
  $ 10001 -  15000                 $12,621          $196                   1.98                     
  $ 15001 -  20000                 $17,388          $367                   2.49                     
  $ 20001 -  25000                 $22,472          $498                   2.88                     
  $ 25001 -  30000                 $27,537          $718                   3.19                     
  $ 30001 -  35000                 $32,286          $763                   3.70                     
  $ 35001 -  40000                 $37,183        $1,155                   3.44                     
  $ 40001 -  45000                 $42,452        $1,591                   3.55                     
  $ 45001 -  50000                 $47,646        $2,063                   3.71                     
  $ 50001 -  75000                 $61,212        $3,437                   3.71                     
  $ 75001 - 100000                 $85,167        $6,650                   3.87                     
  OVER $100,000                   $164,513       $26,537                   3.42                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $32,677        $2,119                   2.64                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2004 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               23      $-424,557          $284     -0.07          60                      
  $     1  -  5000      208       $561,872        $2,780      0.49          64                      
  $  5001 -  10000      186     $1,397,599       $22,881      1.64         180                      
  $ 10001 -  15000      148     $1,839,904       $50,472      2.74         216                      
  $ 15001 -  20000      127     $2,190,443       $83,252      3.80         183                      
  $ 20001 -  25000       99     $2,231,842       $90,934      4.07         201                      
  $ 25001 -  30000       80     $2,201,386       $89,153      4.05         179                      
  $ 30001 -  35000       94     $3,036,317      $103,396      3.41         272                      
  $ 35001 -  40000       66     $2,470,343       $91,656      3.71         191                      
  $ 40001 -  45000       74     $3,136,197      $108,471      3.46         236                      
  $ 45001 -  50000       66     $3,127,309      $169,159      5.41         195                      
  $ 50001 -  75000      259    $15,956,194      $865,764      5.43         909                      
  $ 75001 - 100000      193    $16,541,821    $1,123,560      6.79         744                      
  $100001 - 250000      190    $25,697,000    $3,022,944     11.76         768                      
  OVER $250,000          21     $9,145,096    $2,109,771     23.07          78                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,834     $89,108,766    $7,934,477      8.90        4,476                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.3            -0.5           0.0                    1.3                     
  $     1  -  5000    11.3             0.6           0.0                    1.4                     
  $  5001 -  10000    10.1             1.6           0.3                    4.0                     
  $ 10001 -  15000     8.1             2.1           0.6                    4.8                     
  $ 15001 -  20000     6.9             2.5           1.0                    4.1                     
  $ 20001 -  25000     5.4             2.5           1.1                    4.5                     
  $ 25001 -  30000     4.4             2.5           1.1                    4.0                     
  $ 30001 -  35000     5.1             3.4           1.3                    6.1                     
  $ 35001 -  40000     3.6             2.8           1.2                    4.3                     
  $ 40001 -  45000     4.0             3.5           1.4                    5.3                     
  $ 45001 -  50000     3.6             3.5           2.1                    4.4                     
  $ 50001 -  75000    14.1            17.9          10.9                   20.3                     
  $ 75001 - 100000    10.5            18.6          14.2                   16.6                     
  $100001 - 250000    10.4            28.8          38.1                   17.2                     
  OVER $250,000        1.1            10.3          26.6                    1.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-18,459           $12                   2.61                     
  $     1  -  5000                  $2,701           $13                   0.31                     
  $  5001 -  10000                  $7,514          $123                   0.97                     
  $ 10001 -  15000                 $12,432          $341                   1.46                     
  $ 15001 -  20000                 $17,248          $656                   1.44                     
  $ 20001 -  25000                 $22,544          $919                   2.03                     
  $ 25001 -  30000                 $27,517        $1,114                   2.24                     
  $ 30001 -  35000                 $32,301        $1,100                   2.89                     
  $ 35001 -  40000                 $37,429        $1,389                   2.89                     
  $ 40001 -  45000                 $42,381        $1,466                   3.19                     
  $ 45001 -  50000                 $47,383        $2,563                   2.95                     
  $ 50001 -  75000                 $61,607        $3,343                   3.51                     
  $ 75001 - 100000                 $85,709        $5,822                   3.85                     
  $100001 - 250000                $135,247       $15,910                   4.04                     
  OVER $250,000                   $435,481      $100,465                   3.71                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $48,587        $4,326                   2.44                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2004 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              190    $-9,579,749       $19,118     -0.20         296                      
  $     1  -  5000    1,698     $4,587,700       $17,481      0.38         852                      
  $  5001 -  10000    1,598    $11,807,082      $172,446      1.46       1,441                      
  $ 10001 -  15000    1,433    $17,814,813      $417,762      2.35       1,961                      
  $ 15001 -  20000    1,306    $22,824,307      $702,784      3.08       2,137                      
  $ 20001 -  25000    1,257    $28,270,057    $1,050,533      3.72       2,364                      
  $ 25001 -  30000    1,057    $28,993,608    $1,273,091      4.39       2,157                      
  $ 30001 -  35000    1,000    $32,419,686    $1,587,250      4.90       2,201                      
  $ 35001 -  40000      874    $32,716,847    $1,709,811      5.23       2,007                      
  $ 40001 -  45000      785    $33,342,287    $1,881,643      5.64       1,904                      
  $ 45001 -  50000      715    $33,933,937    $2,049,456      6.04       1,879                      
  $ 50001 -  75000    2,532   $155,692,624   $10,712,486      6.88       7,383                      
  $ 75001 - 100000    1,473   $127,066,260   $10,381,361      8.17       4,892                      
  $100001 - 250000    1,654   $231,112,049   $29,705,590     12.85       5,538                      
  OVER $250,000         274   $158,035,658   $36,423,704     23.05         923                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             17,846    $909,037,166   $98,104,516     10.79       37,935                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -1.1           0.0                    0.8                     
  $     1  -  5000     9.5             0.5           0.0                    2.2                     
  $  5001 -  10000     9.0             1.3           0.2                    3.8                     
  $ 10001 -  15000     8.0             2.0           0.4                    5.2                     
  $ 15001 -  20000     7.3             2.5           0.7                    5.6                     
  $ 20001 -  25000     7.0             3.1           1.1                    6.2                     
  $ 25001 -  30000     5.9             3.2           1.3                    5.7                     
  $ 30001 -  35000     5.6             3.6           1.6                    5.8                     
  $ 35001 -  40000     4.9             3.6           1.7                    5.3                     
  $ 40001 -  45000     4.4             3.7           1.9                    5.0                     
  $ 45001 -  50000     4.0             3.7           2.1                    5.0                     
  $ 50001 -  75000    14.2            17.1          10.9                   19.5                     
  $ 75001 - 100000     8.3            14.0          10.6                   12.9                     
  $100001 - 250000     9.3            25.4          30.3                   14.6                     
  OVER $250,000        1.5            17.4          37.1                    2.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-50,420          $101                   1.56                     
  $     1  -  5000                  $2,702           $10                   0.50                     
  $  5001 -  10000                  $7,389          $108                   0.90                     
  $ 10001 -  15000                 $12,432          $292                   1.37                     
  $ 15001 -  20000                 $17,476          $538                   1.64                     
  $ 20001 -  25000                 $22,490          $836                   1.88                     
  $ 25001 -  30000                 $27,430        $1,204                   2.04                     
  $ 30001 -  35000                 $32,420        $1,587                   2.20                     
  $ 35001 -  40000                 $37,433        $1,956                   2.30                     
  $ 40001 -  45000                 $42,474        $2,397                   2.43                     
  $ 45001 -  50000                 $47,460        $2,866                   2.63                     
  $ 50001 -  75000                 $61,490        $4,231                   2.92                     
  $ 75001 - 100000                 $86,264        $7,048                   3.32                     
  $100001 - 250000                $139,729       $17,960                   3.35                     
  OVER $250,000                   $576,772      $132,933                   3.37                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $50,938        $5,497                   2.13                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                      
                                                                                                    
****************************SUMMARY OF 2004 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               59    $-1,503,269           $12     -0.00         109                      
  $     1  -  5000      773     $2,143,350        $2,874      0.13         394                      
  $  5001 -  10000      707     $5,266,958       $75,516      1.43         689                      
  $ 10001 -  15000      668     $8,369,951      $191,919      2.29         996                      
  $ 15001 -  20000      625    $10,855,789      $297,755      2.74       1,203                      
  $ 20001 -  25000      582    $13,033,895      $440,990      3.38       1,249                      
  $ 25001 -  30000      515    $14,185,873      $580,488      4.09       1,224                      
  $ 30001 -  35000      444    $14,435,023      $669,200      4.64       1,076                      
  $ 35001 -  40000      369    $13,855,692      $661,428      4.77         973                      
  $ 40001 -  45000      384    $16,316,186      $786,102      4.82       1,150                      
  $ 45001 -  50000      327    $15,561,205      $823,967      5.30       1,025                      
  $ 50001 -  75000    1,210    $73,899,893    $4,723,109      6.39       4,083                      
  $ 75001 - 100000      625    $53,226,541    $4,442,873      8.35       2,169                      
  $100001 - 250000      307    $39,221,031    $4,936,418     12.59       1,025                      
  OVER $250,000          25     $8,887,168    $1,911,066     21.50          73                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              7,620    $287,755,286   $20,543,717      7.14       17,438                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -0.5           0.0                    0.6                     
  $     1  -  5000    10.1             0.7           0.0                    2.3                     
  $  5001 -  10000     9.3             1.8           0.4                    4.0                     
  $ 10001 -  15000     8.8             2.9           0.9                    5.7                     
  $ 15001 -  20000     8.2             3.8           1.4                    6.9                     
  $ 20001 -  25000     7.6             4.5           2.1                    7.2                     
  $ 25001 -  30000     6.8             4.9           2.8                    7.0                     
  $ 30001 -  35000     5.8             5.0           3.3                    6.2                     
  $ 35001 -  40000     4.8             4.8           3.2                    5.6                     
  $ 40001 -  45000     5.0             5.7           3.8                    6.6                     
  $ 45001 -  50000     4.3             5.4           4.0                    5.9                     
  $ 50001 -  75000    15.9            25.7          23.0                   23.4                     
  $ 75001 - 100000     8.2            18.5          21.6                   12.4                     
  $100001 - 250000     4.0            13.6          24.0                    5.9                     
  OVER $250,000        0.3             3.1           9.3                    0.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-25,479            $0                   1.85                     
  $     1  -  5000                  $2,773            $4                   0.51                     
  $  5001 -  10000                  $7,450          $107                   0.97                     
  $ 10001 -  15000                 $12,530          $287                   1.49                     
  $ 15001 -  20000                 $17,369          $476                   1.92                     
  $ 20001 -  25000                 $22,395          $758                   2.15                     
  $ 25001 -  30000                 $27,545        $1,127                   2.38                     
  $ 30001 -  35000                 $32,511        $1,507                   2.42                     
  $ 35001 -  40000                 $37,549        $1,792                   2.64                     
  $ 40001 -  45000                 $42,490        $2,047                   2.99                     
  $ 45001 -  50000                 $47,588        $2,520                   3.13                     
  $ 50001 -  75000                 $61,074        $3,903                   3.37                     
  $ 75001 - 100000                 $85,162        $7,109                   3.47                     
  $100001 - 250000                $127,756       $16,080                   3.34                     
  OVER $250,000                   $355,487       $76,443                   2.92                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $37,763        $2,696                   2.29                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2004 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              123    $-3,014,735       $16,489     -0.55         244                      
  $     1  -  5000    1,152     $3,156,580        $3,527      0.11         883                      
  $  5001 -  10000    1,315     $9,789,739      $133,563      1.36       1,558                      
  $ 10001 -  15000    1,179    $14,644,939      $260,239      1.78       2,097                      
  $ 15001 -  20000      947    $16,364,415      $403,539      2.47       1,910                      
  $ 20001 -  25000      848    $19,035,023      $548,774      2.88       1,979                      
  $ 25001 -  30000      669    $18,393,901      $657,113      3.57       1,721                      
  $ 30001 -  35000      561    $18,200,580      $680,192      3.74       1,514                      
  $ 35001 -  40000      512    $19,141,040      $804,326      4.20       1,482                      
  $ 40001 -  45000      446    $18,965,274      $849,291      4.48       1,339                      
  $ 45001 -  50000      393    $18,672,272      $910,093      4.87       1,246                      
  $ 50001 -  75000    1,392    $85,025,411    $5,217,035      6.14       4,647                      
  $ 75001 - 100000      611    $52,265,921    $4,421,031      8.46       1,932                      
  $100001 - 250000      413    $54,843,588    $7,011,395     12.78       1,322                      
  OVER $250,000          64    $36,927,967    $9,631,238     26.08         218                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             10,625    $382,411,915   $31,547,845      8.25       24,092                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.2            -0.8           0.1                    1.0                     
  $     1  -  5000    10.8             0.8           0.0                    3.7                     
  $  5001 -  10000    12.4             2.6           0.4                    6.5                     
  $ 10001 -  15000    11.1             3.8           0.8                    8.7                     
  $ 15001 -  20000     8.9             4.3           1.3                    7.9                     
  $ 20001 -  25000     8.0             5.0           1.7                    8.2                     
  $ 25001 -  30000     6.3             4.8           2.1                    7.1                     
  $ 30001 -  35000     5.3             4.8           2.2                    6.3                     
  $ 35001 -  40000     4.8             5.0           2.5                    6.2                     
  $ 40001 -  45000     4.2             5.0           2.7                    5.6                     
  $ 45001 -  50000     3.7             4.9           2.9                    5.2                     
  $ 50001 -  75000    13.1            22.2          16.5                   19.3                     
  $ 75001 - 100000     5.8            13.7          14.0                    8.0                     
  $100001 - 250000     3.9            14.3          22.2                    5.5                     
  OVER $250,000        0.6             9.7          30.5                    0.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-24,510          $134                   1.98                     
  $     1  -  5000                  $2,740            $3                   0.77                     
  $  5001 -  10000                  $7,445          $102                   1.18                     
  $ 10001 -  15000                 $12,421          $221                   1.78                     
  $ 15001 -  20000                 $17,280          $426                   2.02                     
  $ 20001 -  25000                 $22,447          $647                   2.33                     
  $ 25001 -  30000                 $27,495          $982                   2.57                     
  $ 30001 -  35000                 $32,443        $1,212                   2.70                     
  $ 35001 -  40000                 $37,385        $1,571                   2.89                     
  $ 40001 -  45000                 $42,523        $1,904                   3.00                     
  $ 45001 -  50000                 $47,512        $2,316                   3.17                     
  $ 50001 -  75000                 $61,081        $3,748                   3.34                     
  $ 75001 - 100000                 $85,542        $7,236                   3.16                     
  $100001 - 250000                $132,793       $16,977                   3.20                     
  OVER $250,000                   $576,999      $150,488                   3.41                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $35,992        $2,969                   2.27                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2004 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               19      $-786,961           $30     -0.00          65                      
  $     1  -  5000      196       $517,342        $3,601      0.70          64                      
  $  5001 -  10000      149     $1,079,384       $19,721      1.83         127                      
  $ 10001 -  15000      112     $1,382,502       $30,627      2.22         200                      
  $ 15001 -  20000       77     $1,323,994       $46,889      3.54         120                      
  $ 20001 -  25000       60     $1,357,469       $55,431      4.08         129                      
  $ 25001 -  30000       62     $1,697,372       $38,537      2.27         193                      
  $ 30001 -  35000       60     $1,939,801       $58,435      3.01         165                      
  $ 35001 -  40000       58     $2,173,517       $98,582      4.54         168                      
  $ 40001 -  45000       66     $2,809,913      $110,402      3.93         230                      
  $ 45001 -  50000       67     $3,171,386      $114,122      3.60         241                      
  $ 50001 -  75000      370    $23,333,328      $879,830      3.77       1,546                      
  $ 75001 - 100000      275    $23,809,052    $1,306,281      5.49       1,179                      
  $100001 - 250000      282    $37,296,642    $3,717,165      9.97       1,300                      
  OVER $250,000          25    $10,583,367    $2,177,755     20.58         110                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,878    $111,688,108    $8,657,408      7.75        5,837                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.0            -0.7           0.0                    1.1                     
  $     1  -  5000    10.4             0.5           0.0                    1.1                     
  $  5001 -  10000     7.9             1.0           0.2                    2.2                     
  $ 10001 -  15000     6.0             1.2           0.4                    3.4                     
  $ 15001 -  20000     4.1             1.2           0.5                    2.1                     
  $ 20001 -  25000     3.2             1.2           0.6                    2.2                     
  $ 25001 -  30000     3.3             1.5           0.4                    3.3                     
  $ 30001 -  35000     3.2             1.7           0.7                    2.8                     
  $ 35001 -  40000     3.1             1.9           1.1                    2.9                     
  $ 40001 -  45000     3.5             2.5           1.3                    3.9                     
  $ 45001 -  50000     3.6             2.8           1.3                    4.1                     
  $ 50001 -  75000    19.7            20.9          10.2                   26.5                     
  $ 75001 - 100000    14.6            21.3          15.1                   20.2                     
  $100001 - 250000    15.0            33.4          42.9                   22.3                     
  OVER $250,000        1.3             9.5          25.2                    1.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-41,419            $2                   3.42                     
  $     1  -  5000                  $2,640           $18                   0.33                     
  $  5001 -  10000                  $7,244          $132                   0.85                     
  $ 10001 -  15000                 $12,344          $273                   1.79                     
  $ 15001 -  20000                 $17,195          $609                   1.56                     
  $ 20001 -  25000                 $22,624          $924                   2.15                     
  $ 25001 -  30000                 $27,377          $622                   3.11                     
  $ 30001 -  35000                 $32,330          $974                   2.75                     
  $ 35001 -  40000                 $37,474        $1,700                   2.90                     
  $ 40001 -  45000                 $42,574        $1,673                   3.48                     
  $ 45001 -  50000                 $47,334        $1,703                   3.60                     
  $ 50001 -  75000                 $63,063        $2,378                   4.18                     
  $ 75001 - 100000                 $86,578        $4,750                   4.29                     
  $100001 - 250000                $132,258       $13,181                   4.61                     
  OVER $250,000                   $423,335       $87,110                   4.40                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $59,472        $4,610                   3.11                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2004 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               38    $-1,361,568            $0      0.00          75                      
  $     1  -  5000      801     $2,072,263       $12,120      0.58         266                      
  $  5001 -  10000      596     $4,433,329       $79,284      1.79         402                      
  $ 10001 -  15000      432     $5,397,233      $163,397      3.03         472                      
  $ 15001 -  20000      378     $6,618,900      $240,120      3.63         578                      
  $ 20001 -  25000      334     $7,517,816      $304,641      4.05         598                      
  $ 25001 -  30000      272     $7,511,710      $372,451      4.96         542                      
  $ 30001 -  35000      253     $8,218,444      $403,951      4.92         533                      
  $ 35001 -  40000      239     $8,964,805      $501,104      5.59         535                      
  $ 40001 -  45000      198     $8,406,677      $498,335      5.93         485                      
  $ 45001 -  50000      213    $10,113,127      $558,720      5.52         605                      
  $ 50001 -  75000      908    $56,842,105    $3,549,382      6.24       2,950                      
  $ 75001 - 100000      716    $61,777,311    $4,631,614      7.50       2,619                      
  $100001 - 250000      736    $97,941,990   $11,898,121     12.15       2,728                      
  OVER $250,000          75    $34,902,219    $8,144,925     23.34         323                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              6,189    $319,356,361   $31,358,165      9.82       13,711                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.6            -0.4           0.0                    0.5                     
  $     1  -  5000    12.9             0.6           0.0                    1.9                     
  $  5001 -  10000     9.6             1.4           0.3                    2.9                     
  $ 10001 -  15000     7.0             1.7           0.5                    3.4                     
  $ 15001 -  20000     6.1             2.1           0.8                    4.2                     
  $ 20001 -  25000     5.4             2.4           1.0                    4.4                     
  $ 25001 -  30000     4.4             2.4           1.2                    4.0                     
  $ 30001 -  35000     4.1             2.6           1.3                    3.9                     
  $ 35001 -  40000     3.9             2.8           1.6                    3.9                     
  $ 40001 -  45000     3.2             2.6           1.6                    3.5                     
  $ 45001 -  50000     3.4             3.2           1.8                    4.4                     
  $ 50001 -  75000    14.7            17.8          11.3                   21.5                     
  $ 75001 - 100000    11.6            19.3          14.8                   19.1                     
  $100001 - 250000    11.9            30.7          37.9                   19.9                     
  OVER $250,000        1.2            10.9          26.0                    2.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-35,831            $0                   1.97                     
  $     1  -  5000                  $2,587           $15                   0.33                     
  $  5001 -  10000                  $7,438          $133                   0.67                     
  $ 10001 -  15000                 $12,494          $378                   1.09                     
  $ 15001 -  20000                 $17,510          $635                   1.53                     
  $ 20001 -  25000                 $22,508          $912                   1.79                     
  $ 25001 -  30000                 $27,617        $1,369                   1.99                     
  $ 30001 -  35000                 $32,484        $1,597                   2.11                     
  $ 35001 -  40000                 $37,510        $2,097                   2.24                     
  $ 40001 -  45000                 $42,458        $2,517                   2.45                     
  $ 45001 -  50000                 $47,479        $2,623                   2.84                     
  $ 50001 -  75000                 $62,601        $3,909                   3.25                     
  $ 75001 - 100000                 $86,281        $6,469                   3.66                     
  $100001 - 250000                $133,073       $16,166                   3.71                     
  OVER $250,000                   $465,363      $108,599                   4.31                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $51,601        $5,067                   2.22                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2004 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               32      $-492,976        $5,677     -1.15          61                      
  $     1  -  5000      865     $2,376,518        $2,625      0.11         866                      
  $  5001 -  10000      894     $6,733,428       $59,702      0.89       1,212                      
  $ 10001 -  15000      991    $12,339,973      $250,600      2.03       1,704                      
  $ 15001 -  20000      963    $16,808,508      $534,082      3.18       1,841                      
  $ 20001 -  25000      944    $21,090,980      $786,482      3.73       1,986                      
  $ 25001 -  30000      925    $25,349,313    $1,092,924      4.31       2,026                      
  $ 30001 -  35000      746    $24,257,669    $1,132,866      4.67       1,786                      
  $ 35001 -  40000      684    $25,611,977    $1,285,015      5.02       1,785                      
  $ 40001 -  45000      608    $25,769,251    $1,306,723      5.07       1,724                      
  $ 45001 -  50000      552    $26,234,318    $1,501,628      5.72       1,576                      
  $ 50001 -  75000    1,783   $108,793,084    $7,517,481      6.91       5,550                      
  $ 75001 - 100000      653    $55,630,222    $4,999,576      8.99       2,078                      
  OVER $100,000         265    $32,608,821    $4,232,723     12.98         764                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             10,905    $383,111,086   $24,708,104      6.45       24,959                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.3            -0.1           0.0                    0.2                     
  $     1  -  5000     7.9             0.6           0.0                    3.5                     
  $  5001 -  10000     8.2             1.8           0.2                    4.9                     
  $ 10001 -  15000     9.1             3.2           1.0                    6.8                     
  $ 15001 -  20000     8.8             4.4           2.2                    7.4                     
  $ 20001 -  25000     8.7             5.5           3.2                    8.0                     
  $ 25001 -  30000     8.5             6.6           4.4                    8.1                     
  $ 30001 -  35000     6.8             6.3           4.6                    7.2                     
  $ 35001 -  40000     6.3             6.7           5.2                    7.2                     
  $ 40001 -  45000     5.6             6.7           5.3                    6.9                     
  $ 45001 -  50000     5.1             6.8           6.1                    6.3                     
  $ 50001 -  75000    16.4            28.4          30.4                   22.2                     
  $ 75001 - 100000     6.0            14.5          20.2                    8.3                     
  OVER $100,000        2.4             8.5          17.1                    3.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-15,406          $177                   1.91                     
  $     1  -  5000                  $2,747            $3                   1.00                     
  $  5001 -  10000                  $7,532           $67                   1.36                     
  $ 10001 -  15000                 $12,452          $253                   1.72                     
  $ 15001 -  20000                 $17,454          $555                   1.91                     
  $ 20001 -  25000                 $22,342          $833                   2.10                     
  $ 25001 -  30000                 $27,405        $1,182                   2.19                     
  $ 30001 -  35000                 $32,517        $1,519                   2.39                     
  $ 35001 -  40000                 $37,444        $1,879                   2.61                     
  $ 40001 -  45000                 $42,384        $2,149                   2.84                     
  $ 45001 -  50000                 $47,526        $2,720                   2.86                     
  $ 50001 -  75000                 $61,017        $4,216                   3.11                     
  $ 75001 - 100000                 $85,192        $7,656                   3.18                     
  OVER $100,000                   $123,052       $15,973                   2.88                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $35,132        $2,266                   2.29                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 2004 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               18      $-354,369        $1,640     -0.46          41                      
  $     1  -  5000      436     $1,141,971        $1,881      0.16         191                      
  $  5001 -  10000      410     $2,984,830       $46,793      1.57         361                      
  $ 10001 -  15000      373     $4,677,125      $129,044      2.76         485                      
  $ 15001 -  20000      369     $6,459,725      $229,646      3.56         599                      
  $ 20001 -  25000      341     $7,659,664      $284,210      3.71         697                      
  $ 25001 -  30000      366    $10,056,012      $439,878      4.37         809                      
  $ 30001 -  35000      331    $10,768,096      $449,784      4.18         875                      
  $ 35001 -  40000      372    $13,941,724      $544,644      3.91       1,082                      
  $ 40001 -  45000      360    $15,267,741      $629,315      4.12       1,086                      
  $ 45001 -  50000      343    $16,278,488      $765,189      4.70       1,076                      
  $ 50001 -  75000    1,395    $85,120,322    $4,833,412      5.68       4,870                      
  $ 75001 - 100000      626    $53,607,630    $4,453,765      8.31       2,163                      
  OVER $100,000         303    $38,058,128    $4,909,409     12.90         974                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              6,043    $265,667,087   $17,718,610      6.67       15,309                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.3            -0.1           0.0                    0.3                     
  $     1  -  5000     7.2             0.4           0.0                    1.2                     
  $  5001 -  10000     6.8             1.1           0.3                    2.4                     
  $ 10001 -  15000     6.2             1.8           0.7                    3.2                     
  $ 15001 -  20000     6.1             2.4           1.3                    3.9                     
  $ 20001 -  25000     5.6             2.9           1.6                    4.6                     
  $ 25001 -  30000     6.1             3.8           2.5                    5.3                     
  $ 30001 -  35000     5.5             4.1           2.5                    5.7                     
  $ 35001 -  40000     6.2             5.2           3.1                    7.1                     
  $ 40001 -  45000     6.0             5.7           3.6                    7.1                     
  $ 45001 -  50000     5.7             6.1           4.3                    7.0                     
  $ 50001 -  75000    23.1            32.0          27.3                   31.8                     
  $ 75001 - 100000    10.4            20.2          25.1                   14.1                     
  OVER $100,000        5.0            14.3          27.7                    6.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-19,687           $91                   2.28                     
  $     1  -  5000                  $2,619            $4                   0.44                     
  $  5001 -  10000                  $7,280          $114                   0.88                     
  $ 10001 -  15000                 $12,539          $346                   1.30                     
  $ 15001 -  20000                 $17,506          $622                   1.62                     
  $ 20001 -  25000                 $22,462          $833                   2.04                     
  $ 25001 -  30000                 $27,475        $1,202                   2.21                     
  $ 30001 -  35000                 $32,532        $1,359                   2.64                     
  $ 35001 -  40000                 $37,478        $1,464                   2.91                     
  $ 40001 -  45000                 $42,410        $1,748                   3.02                     
  $ 45001 -  50000                 $47,459        $2,231                   3.14                     
  $ 50001 -  75000                 $61,018        $3,465                   3.49                     
  $ 75001 - 100000                 $85,635        $7,115                   3.46                     
  OVER $100,000                   $125,604       $16,203                   3.21                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $43,963        $2,932                   2.53                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2004 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      $-776,178            $0      0.00          39                      
  $     1  -  5000      105       $287,501          $372      0.13          42                      
  $  5001 -  10000       91       $672,714       $11,089      1.65          70                      
  $ 10001 -  15000       83     $1,020,206       $18,883      1.85         139                      
  $ 15001 -  20000       70     $1,249,791       $34,450      2.76         130                      
  $ 20001 -  25000       74     $1,679,477       $69,593      4.14         152                      
  $ 25001 -  30000       68     $1,873,786       $84,940      4.53         151                      
  $ 30001 -  35000       66     $2,130,594       $84,592      3.97         178                      
  $ 35001 -  40000       58     $2,179,116      $103,162      4.73         151                      
  $ 40001 -  45000       53     $2,235,017      $115,333      5.16         155                      
  $ 45001 -  50000       52     $2,465,001       $89,454      3.63         174                      
  $ 50001 -  75000      199    $12,253,132      $747,079      6.10         661                      
  $ 75001 - 100000       88     $7,423,210      $606,784      8.17         301                      
  OVER $100,000          72    $11,806,533    $1,734,235     14.69         241                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,099     $46,499,900    $3,699,966      7.96        2,584                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.8            -1.7           0.0                    1.5                     
  $     1  -  5000     9.6             0.6           0.0                    1.6                     
  $  5001 -  10000     8.3             1.4           0.3                    2.7                     
  $ 10001 -  15000     7.6             2.2           0.5                    5.4                     
  $ 15001 -  20000     6.4             2.7           0.9                    5.0                     
  $ 20001 -  25000     6.7             3.6           1.9                    5.9                     
  $ 25001 -  30000     6.2             4.0           2.3                    5.8                     
  $ 30001 -  35000     6.0             4.6           2.3                    6.9                     
  $ 35001 -  40000     5.3             4.7           2.8                    5.8                     
  $ 40001 -  45000     4.8             4.8           3.1                    6.0                     
  $ 45001 -  50000     4.7             5.3           2.4                    6.7                     
  $ 50001 -  75000    18.1            26.4          20.2                   25.6                     
  $ 75001 - 100000     8.0            16.0          16.4                   11.6                     
  OVER $100,000        6.6            25.4          46.9                    9.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-38,809            $0                   1.95                     
  $     1  -  5000                  $2,738            $4                   0.40                     
  $  5001 -  10000                  $7,392          $122                   0.77                     
  $ 10001 -  15000                 $12,292          $228                   1.67                     
  $ 15001 -  20000                 $17,854          $492                   1.86                     
  $ 20001 -  25000                 $22,696          $940                   2.05                     
  $ 25001 -  30000                 $27,556        $1,249                   2.22                     
  $ 30001 -  35000                 $32,282        $1,282                   2.70                     
  $ 35001 -  40000                 $37,571        $1,779                   2.60                     
  $ 40001 -  45000                 $42,170        $2,176                   2.92                     
  $ 45001 -  50000                 $47,404        $1,720                   3.35                     
  $ 50001 -  75000                 $61,574        $3,754                   3.32                     
  $ 75001 - 100000                 $84,355        $6,895                   3.42                     
  OVER $100,000                   $163,980       $24,087                   3.35                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $42,311        $3,367                   2.35                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2004 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               48    $-8,149,031            $0      0.00         105                      
  $     1  -  5000      198       $550,663        $2,416      0.44         111                      
  $  5001 -  10000      203     $1,507,277       $19,694      1.31         234                      
  $ 10001 -  15000      192     $2,375,895       $43,500      1.83         385                      
  $ 15001 -  20000      139     $2,400,253       $52,997      2.21         317                      
  $ 20001 -  25000      124     $2,800,155       $71,832      2.57         350                      
  $ 25001 -  30000      126     $3,466,314      $101,500      2.93         365                      
  $ 30001 -  35000      101     $3,281,783      $105,743      3.22         314                      
  $ 35001 -  40000       77     $2,885,571       $85,816      2.97         259                      
  $ 40001 -  45000       73     $3,106,523      $135,212      4.35         236                      
  $ 45001 -  50000       69     $3,275,960      $162,838      4.97         225                      
  $ 50001 -  75000      284    $17,702,805    $1,049,202      5.93       1,068                      
  $ 75001 - 100000      167    $14,268,605    $1,200,450      8.41         602                      
  OVER $100,000          68     $8,730,914    $1,075,264     12.32         249                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,869     $58,203,687    $4,106,464      7.06        4,820                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             2.6           -14.0           0.0                    2.2                     
  $     1  -  5000    10.6             0.9           0.1                    2.3                     
  $  5001 -  10000    10.9             2.6           0.5                    4.9                     
  $ 10001 -  15000    10.3             4.1           1.1                    8.0                     
  $ 15001 -  20000     7.4             4.1           1.3                    6.6                     
  $ 20001 -  25000     6.6             4.8           1.7                    7.3                     
  $ 25001 -  30000     6.7             6.0           2.5                    7.6                     
  $ 30001 -  35000     5.4             5.6           2.6                    6.5                     
  $ 35001 -  40000     4.1             5.0           2.1                    5.4                     
  $ 40001 -  45000     3.9             5.3           3.3                    4.9                     
  $ 45001 -  50000     3.7             5.6           4.0                    4.7                     
  $ 50001 -  75000    15.2            30.4          25.6                   22.2                     
  $ 75001 - 100000     8.9            24.5          29.2                   12.5                     
  OVER $100,000        3.6            15.0          26.2                    5.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-169771            $0                   2.19                     
  $     1  -  5000                  $2,781           $12                   0.56                     
  $  5001 -  10000                  $7,425           $97                   1.15                     
  $ 10001 -  15000                 $12,374          $227                   2.01                     
  $ 15001 -  20000                 $17,268          $381                   2.28                     
  $ 20001 -  25000                 $22,582          $579                   2.82                     
  $ 25001 -  30000                 $27,510          $806                   2.90                     
  $ 30001 -  35000                 $32,493        $1,047                   3.11                     
  $ 35001 -  40000                 $37,475        $1,114                   3.36                     
  $ 40001 -  45000                 $42,555        $1,852                   3.23                     
  $ 45001 -  50000                 $47,478        $2,360                   3.26                     
  $ 50001 -  75000                 $62,334        $3,694                   3.76                     
  $ 75001 - 100000                 $85,441        $7,188                   3.60                     
  OVER $100,000                   $128,396       $15,813                   3.66                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $31,142        $2,197                   2.58                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2004 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              142    $-7,140,975        $7,957     -0.11         273                      
  $     1  -  5000      921     $2,340,571       $14,911      0.64         360                      
  $  5001 -  10000      721     $5,311,164       $98,092      1.85         603                      
  $ 10001 -  15000      586     $7,275,784      $198,462      2.73         810                      
  $ 15001 -  20000      529     $9,211,522      $337,589      3.66         839                      
  $ 20001 -  25000      517    $11,656,306      $500,798      4.30         935                      
  $ 25001 -  30000      462    $12,706,810      $655,062      5.16         846                      
  $ 30001 -  35000      436    $14,136,039      $662,774      4.69         940                      
  $ 35001 -  40000      422    $15,820,684      $830,998      5.25         964                      
  $ 40001 -  45000      393    $16,651,237      $845,613      5.08       1,004                      
  $ 45001 -  50000      378    $17,943,847      $979,429      5.46       1,016                      
  $ 50001 -  75000    1,597    $99,572,814    $6,066,486      6.09       4,872                      
  $ 75001 - 100000    1,300   $113,159,829    $8,222,868      7.27       4,549                      
  $100001 - 250000    1,983   $281,674,556   $35,068,822     12.45       7,283                      
  OVER $250,000         279   $131,878,184   $31,150,186     23.62       1,005                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             10,666    $732,198,372   $85,640,047     11.70       26,299                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.3            -1.0           0.0                    1.0                     
  $     1  -  5000     8.6             0.3           0.0                    1.4                     
  $  5001 -  10000     6.8             0.7           0.1                    2.3                     
  $ 10001 -  15000     5.5             1.0           0.2                    3.1                     
  $ 15001 -  20000     5.0             1.3           0.4                    3.2                     
  $ 20001 -  25000     4.8             1.6           0.6                    3.6                     
  $ 25001 -  30000     4.3             1.7           0.8                    3.2                     
  $ 30001 -  35000     4.1             1.9           0.8                    3.6                     
  $ 35001 -  40000     4.0             2.2           1.0                    3.7                     
  $ 40001 -  45000     3.7             2.3           1.0                    3.8                     
  $ 45001 -  50000     3.5             2.5           1.1                    3.9                     
  $ 50001 -  75000    15.0            13.6           7.1                   18.5                     
  $ 75001 - 100000    12.2            15.5           9.6                   17.3                     
  $100001 - 250000    18.6            38.5          40.9                   27.7                     
  OVER $250,000        2.6            18.0          36.4                    3.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-50,289           $56                   1.92                     
  $     1  -  5000                  $2,541           $16                   0.39                     
  $  5001 -  10000                  $7,366          $136                   0.84                     
  $ 10001 -  15000                 $12,416          $339                   1.38                     
  $ 15001 -  20000                 $17,413          $638                   1.59                     
  $ 20001 -  25000                 $22,546          $969                   1.81                     
  $ 25001 -  30000                 $27,504        $1,418                   1.83                     
  $ 30001 -  35000                 $32,422        $1,520                   2.16                     
  $ 35001 -  40000                 $37,490        $1,969                   2.28                     
  $ 40001 -  45000                 $42,370        $2,152                   2.55                     
  $ 45001 -  50000                 $47,470        $2,591                   2.69                     
  $ 50001 -  75000                 $62,350        $3,799                   3.05                     
  $ 75001 - 100000                 $87,046        $6,325                   3.50                     
  $100001 - 250000                $142,045       $17,685                   3.67                     
  OVER $250,000                   $472,682      $111,649                   3.60                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $68,648        $8,029                   2.47                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2004 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               22      $-790,472            $0      0.00          46                      
  $     1  -  5000       97       $254,379          $588      0.23          99                      
  $  5001 -  10000       80       $596,790        $4,866      0.82         116                      
  $ 10001 -  15000       87     $1,099,753       $18,511      1.68         160                      
  $ 15001 -  20000       64     $1,132,671       $20,528      1.81         150                      
  $ 20001 -  25000       80     $1,778,142       $52,456      2.95         190                      
  $ 25001 -  30000       56     $1,534,172       $59,573      3.88         145                      
  $ 30001 -  35000       51     $1,655,935       $73,968      4.47         134                      
  $ 35001 -  40000       62     $2,314,454      $112,874      4.88         174                      
  $ 40001 -  45000       51     $2,153,356       $95,656      4.44         162                      
  $ 45001 -  50000       47     $2,239,305      $113,883      5.09         156                      
  $ 50001 -  75000      130     $7,972,772      $467,523      5.86         480                      
  $ 75001 - 100000       37     $3,163,142      $292,102      9.23         112                      
  OVER $100,000          17     $2,297,891      $367,360     15.99          62                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                881     $27,402,290    $1,679,888      6.13        2,186                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             2.5            -2.9           0.0                    2.1                     
  $     1  -  5000    11.0             0.9           0.0                    4.5                     
  $  5001 -  10000     9.1             2.2           0.3                    5.3                     
  $ 10001 -  15000     9.9             4.0           1.1                    7.3                     
  $ 15001 -  20000     7.3             4.1           1.2                    6.9                     
  $ 20001 -  25000     9.1             6.5           3.1                    8.7                     
  $ 25001 -  30000     6.4             5.6           3.5                    6.6                     
  $ 30001 -  35000     5.8             6.0           4.4                    6.1                     
  $ 35001 -  40000     7.0             8.4           6.7                    8.0                     
  $ 40001 -  45000     5.8             7.9           5.7                    7.4                     
  $ 45001 -  50000     5.3             8.2           6.8                    7.1                     
  $ 50001 -  75000    14.8            29.1          27.8                   22.0                     
  $ 75001 - 100000     4.2            11.5          17.4                    5.1                     
  OVER $100,000        1.9             8.4          21.9                    2.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-35,931            $0                   2.09                     
  $     1  -  5000                  $2,622            $6                   1.02                     
  $  5001 -  10000                  $7,460           $61                   1.45                     
  $ 10001 -  15000                 $12,641          $213                   1.84                     
  $ 15001 -  20000                 $17,698          $321                   2.34                     
  $ 20001 -  25000                 $22,227          $656                   2.38                     
  $ 25001 -  30000                 $27,396        $1,064                   2.59                     
  $ 30001 -  35000                 $32,469        $1,450                   2.63                     
  $ 35001 -  40000                 $37,330        $1,821                   2.81                     
  $ 40001 -  45000                 $42,223        $1,876                   3.18                     
  $ 45001 -  50000                 $47,645        $2,423                   3.32                     
  $ 50001 -  75000                 $61,329        $3,596                   3.69                     
  $ 75001 - 100000                 $85,490        $7,895                   3.03                     
  OVER $100,000                   $135,170       $21,609                   3.65                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $31,104        $1,907                   2.48                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                    
                                                                                                    
****************************SUMMARY OF 2004 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               10      $-175,595          $185     -0.11          36                      
  $     1  -  5000      122       $342,817        $1,017      0.30          87                      
  $  5001 -  10000      136     $1,024,238       $11,319      1.11         181                      
  $ 10001 -  15000      125     $1,563,043       $30,148      1.93         287                      
  $ 15001 -  20000      125     $2,187,655       $39,926      1.83         335                      
  $ 20001 -  25000      134     $3,022,260       $52,538      1.74         415                      
  $ 25001 -  30000      175     $4,823,224       $87,531      1.81         576                      
  $ 30001 -  35000      184     $5,983,693      $126,085      2.11         608                      
  $ 35001 -  40000      211     $7,890,867      $161,466      2.05         773                      
  $ 40001 -  45000      210     $8,896,356      $242,823      2.73         762                      
  $ 45001 -  50000      224    $10,606,827      $309,095      2.91         839                      
  $ 50001 -  75000      602    $36,254,940    $1,462,259      4.03       2,359                      
  $ 75001 - 100000      189    $16,165,194    $1,010,697      6.25         758                      
  OVER $100,000         108    $14,765,497    $1,686,131     11.42         485                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,555    $113,351,016    $5,221,220      4.61        8,501                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.2           0.0                    0.4                     
  $     1  -  5000     4.8             0.3           0.0                    1.0                     
  $  5001 -  10000     5.3             0.9           0.2                    2.1                     
  $ 10001 -  15000     4.9             1.4           0.6                    3.4                     
  $ 15001 -  20000     4.9             1.9           0.8                    3.9                     
  $ 20001 -  25000     5.2             2.7           1.0                    4.9                     
  $ 25001 -  30000     6.8             4.3           1.7                    6.8                     
  $ 30001 -  35000     7.2             5.3           2.4                    7.2                     
  $ 35001 -  40000     8.3             7.0           3.1                    9.1                     
  $ 40001 -  45000     8.2             7.8           4.7                    9.0                     
  $ 45001 -  50000     8.8             9.4           5.9                    9.9                     
  $ 50001 -  75000    23.6            32.0          28.0                   27.7                     
  $ 75001 - 100000     7.4            14.3          19.4                    8.9                     
  OVER $100,000        4.2            13.0          32.3                    5.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-17,560           $19                   3.60                     
  $     1  -  5000                  $2,810            $8                   0.71                     
  $  5001 -  10000                  $7,531           $83                   1.33                     
  $ 10001 -  15000                 $12,504          $241                   2.30                     
  $ 15001 -  20000                 $17,501          $319                   2.68                     
  $ 20001 -  25000                 $22,554          $392                   3.10                     
  $ 25001 -  30000                 $27,561          $500                   3.29                     
  $ 30001 -  35000                 $32,520          $685                   3.30                     
  $ 35001 -  40000                 $37,397          $765                   3.66                     
  $ 40001 -  45000                 $42,364        $1,156                   3.63                     
  $ 45001 -  50000                 $47,352        $1,380                   3.75                     
  $ 50001 -  75000                 $60,224        $2,429                   3.92                     
  $ 75001 - 100000                 $85,530        $5,348                   4.01                     
  OVER $100,000                   $136,718       $15,612                   4.49                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $44,364        $2,044                   3.33                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                              
                                                                                                    
****************************SUMMARY OF 2004 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GRO