TABLE OF CONTENTS (TOC)
CITY

ALPINE UT 
AMERICAN FORK UT 
BEAVER UT 
BENNION UT 
BLANDING UT 
BLUFFDALE UT 
BOUNTIFUL UT 
BRIGHAM CITY UT 
CEDAR CITY UT 
CENTERVILLE UT 
CLEARFIELD UT 
CLINTON UT 
COALVILLE UT 
DELTA UT 
DRAPER UT 
EDEN UT 
EPHRAIM UT 
FARMINGTON UT 
FILLMORE UT 
FRUIT HEIGHTS UT 
GARLAND UT 
GRANTSVILLE 
HEBER CITY UT 
HELPER UT 
HIGHLAND UT 
HILL AFB UT 
HOLLADAY UT 
HOOPER UT 
HUNTINGTON UT 
HURRICANE UT 
HYDE PARK UT 
HYRUM UT 
IVINS UT 
KAMAS UT 
KANARRAVILLE UT 
KAYSVILLE UT 
KEARNS UT 
LAVERKIN UT 
LAYTON UT 
LEHI UT 
LINDON UT 
LOGAN UT 
MAGNA UT 
MANTI UT 
MAPLETON UT 
MIDVALE UT 
MIDWAY UT 
MOAB UT 
MONTICELLO UT 
MORGAN 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 
PLEASANT GROVE UT 
PLEASANT VIEW UT 
PRICE UT 
PROVIDENCE UT 
PROVO UT 
RICHFIELD UT 
RICHMOND UT 
RIVERDALE UT 
RIVERTON UT 
ROOSEVELT UT 
ROY UT 
SALEM UT 
SALINA UT 
SALT LAKE CITY UT 
SANDY UT 
SANTA CLARA UT 
SANTAQUIN UT 
SMITHFIELD UT 
SOUTH JORDAN UT 
SOUTH OGDEN UT 
SOUTH WEBER UT 
SPANISH FORK UT 
SPRINGVILLE UT 
ST GEORGE UT 
SUNSET UT 
SYRACUSE UT 
TAYLORSVILLE UT 
TOOELE UT 
TREMONTON UT 
VERNAL UT 
WASHINGTON UT 
WELLSVILLE UT 
WENDOVER UT 
WEST BOUNTIFUL UT 
WEST JORDAN UT 
WEST POINT UT 
WEST VALLEY UT 
WILLARD UT 
WOODS CROSS UT 
 
****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      ALPINE UT
                        _________________________________________________
  UNDER $1              11       $-397,658             .       .             26
  $     1  -  5000     370        $896,885       $20,803      2.32          100
  $  5001 -  10000     201      $1,482,617       $65,701      4.43          145
  $ 10001 -  15000     125      $1,528,353       $71,277      4.66          203
  $ 15001 -  20000      97      $1,690,719       $99,890      5.91          185
  $ 20001 -  25000      65      $1,480,643       $94,340      6.37          158
  $ 25001 -  30000      73      $2,007,618      $142,871      7.12          208
  $ 30001 -  35000      57      $1,865,554      $108,494      5.82          220
  $ 35001 -  40000      61      $2,306,607      $179,711      7.79          221
  $ 40001 -  45000      67      $2,835,933      $238,709      8.42          251
  $ 45001 -  50000      59      $2,794,570      $212,969      7.62          253
  $ 50001 -  75000     247     $15,071,303    $1,284,065      8.52         1107
  $ 75001 - 100000     127     $10,964,506    $1,190,647     10.86          600
  $100001 - 250000     131     $18,733,087    $2,996,165     15.99          604
  OVER $250,000         29     $19,040,314    $5,719,195     30.04          136

                    ______________________________________________________________
  TOTAL               1720     $82,301,051   $12,424,837     15.10         4417
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.5            .                     0.6
  $     1  -  5000    21.5             1.1           0.2                    2.3
  $  5001 -  10000    11.7             1.8           0.5                    3.3
  $ 10001 -  15000     7.3             1.9           0.6                    4.6
  $ 15001 -  20000     5.6             2.1           0.8                    4.2
  $ 20001 -  25000     3.8             1.8           0.8                    3.6
  $ 25001 -  30000     4.2             2.4           1.1                    4.7
  $ 30001 -  35000     3.3             2.3           0.9                    5.0
  $ 35001 -  40000     3.5             2.8           1.4                    5.0
  $ 40001 -  45000     3.9             3.4           1.9                    5.7
  $ 45001 -  50000     3.4             3.4           1.7                    5.7
  $ 50001 -  75000    14.4            18.3          10.3                   25.1
  $ 75001 - 100000     7.4            13.3           9.6                   13.6
  $100001 - 250000     7.6            22.8          24.1                   13.7
  OVER $250,000        1.7            23.1          46.0                    3.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-36,151             .                   2.36
  $     1  -  5000                  $2,424           $56                   0.27
  $  5001 -  10000                  $7,376          $327                   0.72
  $ 10001 -  15000                 $12,227          $570                   1.62
  $ 15001 -  20000                 $17,430        $1,030                   1.91
  $ 20001 -  25000                 $22,779        $1,451                   2.43
  $ 25001 -  30000                 $27,502        $1,957                   2.85
  $ 30001 -  35000                 $32,729        $1,903                   3.86
  $ 35001 -  40000                 $37,813        $2,946                   3.62
  $ 40001 -  45000                 $42,327        $3,563                   3.75
  $ 45001 -  50000                 $47,366        $3,610                   4.29
  $ 50001 -  75000                 $61,017        $5,199                   4.48
  $ 75001 - 100000                 $86,335        $9,375                   4.72
  $100001 - 250000                $143,001       $22,871                   4.61
  OVER $250,000                   $656,563      $197,214                   4.69

                    ______________________________________________________________
  TOTAL                            $47,849        $7,224                   2.57
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      AMERICAN FORK UT
                        _________________________________________________
  UNDER $1              22     $-1,136,001        $1,099     -0.10           56
  $     1  -  5000    1099      $2,885,483       $28,445      0.99          409
  $  5001 -  10000     838      $6,216,250      $200,367      3.22          898
  $ 10001 -  15000     709      $8,928,997      $387,338      4.34         1246
  $ 15001 -  20000     599     $10,502,870      $588,889      5.61         1277
  $ 20001 -  25000     504     $11,308,814      $722,054      6.38         1317
  $ 25001 -  30000     436     $12,010,839      $827,077      6.89         1308
  $ 30001 -  35000     436     $14,126,273    $1,071,857      7.59         1413
  $ 35001 -  40000     463     $17,389,772    $1,309,221      7.53         1765
  $ 40001 -  45000     398     $16,896,705    $1,403,127      8.30         1564
  $ 45001 -  50000     358     $17,004,398    $1,410,269      8.29         1409
  $ 50001 -  75000    1052     $62,926,060    $6,043,993      9.60         4394
  $ 75001 - 100000     257     $21,817,587    $2,769,785     12.70         1069
  $100001 - 250000     164     $22,451,676    $3,857,238     17.18          729
  OVER $250,000         25     $13,457,862    $3,803,872     28.27          106

                    ______________________________________________________________
  TOTAL               7360    $236,787,585   $24,424,631     10.31        18960
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.3            -0.5           0.0                    0.3
  $     1  -  5000    14.9             1.2           0.1                    2.2
  $  5001 -  10000    11.4             2.6           0.8                    4.7
  $ 10001 -  15000     9.6             3.8           1.6                    6.6
  $ 15001 -  20000     8.1             4.4           2.4                    6.7
  $ 20001 -  25000     6.8             4.8           3.0                    6.9
  $ 25001 -  30000     5.9             5.1           3.4                    6.9
  $ 30001 -  35000     5.9             6.0           4.4                    7.5
  $ 35001 -  40000     6.3             7.3           5.4                    9.3
  $ 40001 -  45000     5.4             7.1           5.7                    8.2
  $ 45001 -  50000     4.9             7.2           5.8                    7.4
  $ 50001 -  75000    14.3            26.6          24.7                   23.2
  $ 75001 - 100000     3.5             9.2          11.3                    5.6
  $100001 - 250000     2.2             9.5          15.8                    3.8
  OVER $250,000        0.3             5.7          15.6                    0.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-51,636           $50                   2.55
  $     1  -  5000                  $2,626           $26                   0.37
  $  5001 -  10000                  $7,418          $239                   1.07
  $ 10001 -  15000                 $12,594          $546                   1.76
  $ 15001 -  20000                 $17,534          $983                   2.13
  $ 20001 -  25000                 $22,438        $1,433                   2.61
  $ 25001 -  30000                 $27,548        $1,897                   3.00
  $ 30001 -  35000                 $32,400        $2,458                   3.24
  $ 35001 -  40000                 $37,559        $2,828                   3.81
  $ 40001 -  45000                 $42,454        $3,525                   3.93
  $ 45001 -  50000                 $47,498        $3,939                   3.94
  $ 50001 -  75000                 $59,816        $5,745                   4.18
  $ 75001 - 100000                 $84,893       $10,777                   4.16
  $100001 - 250000                $136,900       $23,520                   4.45
  OVER $250,000                   $538,314      $152,155                   4.24

                    ______________________________________________________________
  TOTAL                            $32,172        $3,319                   2.58
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      BEAVER UT
                        _________________________________________________
  UNDER $1              28     $-1,654,294             .       .             87
  $     1  -  5000     226        $616,443        $2,822      0.46          127
  $  5001 -  10000     166      $1,221,463       $25,244      2.07          254
  $ 10001 -  15000     135      $1,692,057       $58,554      3.46          287
  $ 15001 -  20000     130      $2,283,186      $100,340      4.39          355
  $ 20001 -  25000      91      $2,022,190      $116,051      5.74          255
  $ 25001 -  30000      77      $2,096,104      $131,229      6.26          248
  $ 30001 -  35000      67      $2,152,237      $152,160      7.07          247
  $ 35001 -  40000      63      $2,347,930      $175,885      7.49          246
  $ 40001 -  45000      46      $1,946,567      $167,588      8.61          171
  $ 45001 -  50000      23      $1,082,532      $106,065      9.80           74
  $ 50001 -  75000     108      $6,401,366      $663,854     10.37          423
  $ 75001 - 250000      16      $1,870,807      $299,352     16.00           59

                    ______________________________________________________________
  TOTAL               1176     $24,078,588    $1,999,144      8.30         2833
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             2.4            -6.9            .                     3.1
  $     1  -  5000    19.2             2.6           0.1                    4.5
  $  5001 -  10000    14.1             5.1           1.3                    9.0
  $ 10001 -  15000    11.5             7.0           2.9                   10.1
  $ 15001 -  20000    11.1             9.5           5.0                   12.5
  $ 20001 -  25000     7.7             8.4           5.8                    9.0
  $ 25001 -  30000     6.5             8.7           6.6                    8.8
  $ 30001 -  35000     5.7             8.9           7.6                    8.7
  $ 35001 -  40000     5.4             9.8           8.8                    8.7
  $ 40001 -  45000     3.9             8.1           8.4                    6.0
  $ 45001 -  50000     2.0             4.5           5.3                    2.6
  $ 50001 -  75000     9.2            26.6          33.2                   14.9
  $ 75001 - 250000     1.4             7.8          15.0                    2.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-59,082             .                   3.11
  $     1  -  5000                  $2,728           $12                   0.56
  $  5001 -  10000                  $7,358          $152                   1.53
  $ 10001 -  15000                 $12,534          $434                   2.13
  $ 15001 -  20000                 $17,563          $772                   2.73
  $ 20001 -  25000                 $22,222        $1,275                   2.80
  $ 25001 -  30000                 $27,222        $1,704                   3.22
  $ 30001 -  35000                 $32,123        $2,271                   3.69
  $ 35001 -  40000                 $37,269        $2,792                   3.90
  $ 40001 -  45000                 $42,317        $3,643                   3.72
  $ 45001 -  50000                 $47,067        $4,612                   3.22
  $ 50001 -  75000                 $59,272        $6,147                   3.92
  $ 75001 - 250000                $116,925       $18,710                   3.69

                    ______________________________________________________________
  TOTAL                            $20,475        $1,700                   2.41
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      BENNION UT
                        _________________________________________________
  UNDER $ 5,000        298        $741,919        $3,926      0.53          111
  $  5001 -  10000     207      $1,566,107       $58,421      3.73          242
  $ 10001 -  15000     169      $2,118,337      $110,314      5.21          273
  $ 15001 -  20000     140      $2,440,315      $160,742      6.59          271
  $ 20001 -  25000     123      $2,745,949      $174,402      6.35          303
  $ 25001 -  30000     126      $3,461,821      $237,967      6.87          357
  $ 30001 -  35000     140      $4,563,839      $338,326      7.41          457
  $ 35001 -  40000     125      $4,691,597      $371,392      7.92          436
  $ 40001 -  45000     136      $5,760,813      $484,815      8.42          491
  $ 45001 -  50000     132      $6,278,863      $546,782      8.71          512
  $ 50001 -  75000     343     $20,503,480    $2,016,303      9.83         1374
  $ 75001 - 100000      83      $6,949,862      $922,470     13.27          306
  OVER $100,000         26      $4,428,878      $932,511     21.06           97

                    ______________________________________________________________
  TOTAL               2048     $66,251,780    $6,358,371      9.60         5230
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       14.6             1.1           0.1                    2.1
  $  5001 -  10000    10.1             2.4           0.9                    4.6
  $ 10001 -  15000     8.3             3.2           1.7                    5.2
  $ 15001 -  20000     6.8             3.7           2.5                    5.2
  $ 20001 -  25000     6.0             4.1           2.7                    5.8
  $ 25001 -  30000     6.2             5.2           3.7                    6.8
  $ 30001 -  35000     6.8             6.9           5.3                    8.7
  $ 35001 -  40000     6.1             7.1           5.8                    8.3
  $ 40001 -  45000     6.6             8.7           7.6                    9.4
  $ 45001 -  50000     6.4             9.5           8.6                    9.8
  $ 50001 -  75000    16.7            30.9          31.7                   26.3
  $ 75001 - 100000     4.1            10.5          14.5                    5.9
  OVER $100,000        1.3             6.7          14.7                    1.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,490           $13                   0.37
  $  5001 -  10000                  $7,566          $282                   1.17
  $ 10001 -  15000                 $12,535          $653                   1.62
  $ 15001 -  20000                 $17,431        $1,148                   1.94
  $ 20001 -  25000                 $22,325        $1,418                   2.46
  $ 25001 -  30000                 $27,475        $1,889                   2.83
  $ 30001 -  35000                 $32,599        $2,417                   3.26
  $ 35001 -  40000                 $37,533        $2,971                   3.49
  $ 40001 -  45000                 $42,359        $3,565                   3.61
  $ 45001 -  50000                 $47,567        $4,142                   3.88
  $ 50001 -  75000                 $59,777        $5,878                   4.01
  $ 75001 - 100000                 $83,733       $11,114                   3.69
  OVER $100,000                   $170,341       $35,866                   3.73

                    ______________________________________________________________
  TOTAL                            $32,350        $3,105                   2.55
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      BLANDING UT
                        _________________________________________________
  UNDER $1              14       $-461,516             .       .             37
  $     1  -  5000     315        $741,400        $3,481      0.47          205
  $  5001 -  10000     172      $1,253,870       $22,579      1.80          275
  $ 10001 -  15000     132      $1,615,857       $39,052      2.42          345
  $ 15001 -  20000     112      $1,948,155       $78,128      4.01          320
  $ 20001 -  25000      86      $1,954,429       $86,635      4.43          332
  $ 25001 -  30000      76      $2,080,708      $126,657      6.09          285
  $ 30001 -  35000      65      $2,102,898      $153,867      7.32          225
  $ 35001 -  40000      55      $2,064,500      $154,554      7.49          223
  $ 40001 -  45000      43      $1,842,011      $144,645      7.85          194
  $ 45001 -  50000      47      $2,233,073      $188,446      8.44          204
  $ 50001 -  75000     123      $7,372,748      $733,200      9.94          525
  $ 75001 - 100000      21      $1,763,755      $244,055     13.84           83
  OVER $100,000         12      $2,940,301      $785,975     26.73           53

                    ______________________________________________________________
  TOTAL               1273     $29,452,189    $2,761,274      9.38         3306
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.1            -1.6            .                     1.1
  $     1  -  5000    24.7             2.5           0.1                    6.2
  $  5001 -  10000    13.5             4.3           0.8                    8.3
  $ 10001 -  15000    10.4             5.5           1.4                   10.4
  $ 15001 -  20000     8.8             6.6           2.8                    9.7
  $ 20001 -  25000     6.8             6.6           3.1                   10.0
  $ 25001 -  30000     6.0             7.1           4.6                    8.6
  $ 30001 -  35000     5.1             7.1           5.6                    6.8
  $ 35001 -  40000     4.3             7.0           5.6                    6.7
  $ 40001 -  45000     3.4             6.3           5.2                    5.9
  $ 45001 -  50000     3.7             7.6           6.8                    6.2
  $ 50001 -  75000     9.7            25.0          26.6                   15.9
  $ 75001 - 100000     1.6             6.0           8.8                    2.5
  OVER $100,000        0.9            10.0          28.5                    1.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-32,965             .                   2.64
  $     1  -  5000                  $2,354           $11                   0.65
  $  5001 -  10000                  $7,290          $131                   1.60
  $ 10001 -  15000                 $12,241          $296                   2.61
  $ 15001 -  20000                 $17,394          $698                   2.86
  $ 20001 -  25000                 $22,726        $1,007                   3.86
  $ 25001 -  30000                 $27,378        $1,667                   3.75
  $ 30001 -  35000                 $32,352        $2,367                   3.46
  $ 35001 -  40000                 $37,536        $2,810                   4.05
  $ 40001 -  45000                 $42,837        $3,364                   4.51
  $ 45001 -  50000                 $47,512        $4,009                   4.34
  $ 50001 -  75000                 $59,941        $5,961                   4.27
  $ 75001 - 100000                 $83,988       $11,622                   3.95
  OVER $100,000                   $245,025       $65,498                   4.42

                    ______________________________________________________________
  TOTAL                            $23,136        $2,169                   2.60
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      BLUFFDALE UT
                        _________________________________________________
  UNDER $ 5,000        194        $346,709        $7,290      2.10           71
  $  5001 -  10000     107        $794,982       $30,147      3.79           92
  $ 10001 -  15000      87      $1,097,526       $56,222      5.12          145
  $ 15001 -  20000      75      $1,307,347       $91,862      7.03          136
  $ 20001 -  25000      50      $1,134,515       $75,680      6.67          121
  $ 25001 -  30000      48      $1,306,497       $79,958      6.12          146
  $ 30001 -  35000      47      $1,523,179      $112,313      7.37          146
  $ 35001 -  40000      53      $1,998,490      $134,704      6.74          227
  $ 40001 -  45000      68      $2,889,662      $220,455      7.63          298
  $ 45001 -  50000      56      $2,679,457      $216,889      8.09          217
  $ 50001 -  75000     177     $10,693,668    $1,018,109      9.52          743
  $ 75001 - 100000      69      $5,806,213      $704,535     12.13          307
  OVER $100,000         30      $4,481,551      $803,112     17.92          160

                    ______________________________________________________________
  TOTAL               1061     $36,059,796    $3,551,276      9.85         2809
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       18.3             1.0           0.2                    2.5
  $  5001 -  10000    10.1             2.2           0.8                    3.3
  $ 10001 -  15000     8.2             3.0           1.6                    5.2
  $ 15001 -  20000     7.1             3.6           2.6                    4.8
  $ 20001 -  25000     4.7             3.1           2.1                    4.3
  $ 25001 -  30000     4.5             3.6           2.3                    5.2
  $ 30001 -  35000     4.4             4.2           3.2                    5.2
  $ 35001 -  40000     5.0             5.5           3.8                    8.1
  $ 40001 -  45000     6.4             8.0           6.2                   10.6
  $ 45001 -  50000     5.3             7.4           6.1                    7.7
  $ 50001 -  75000    16.7            29.7          28.7                   26.5
  $ 75001 - 100000     6.5            16.1          19.8                   10.9
  OVER $100,000        2.8            12.4          22.6                    5.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,787           $38                   0.37
  $  5001 -  10000                  $7,430          $282                   0.86
  $ 10001 -  15000                 $12,615          $646                   1.67
  $ 15001 -  20000                 $17,431        $1,225                   1.81
  $ 20001 -  25000                 $22,690        $1,514                   2.42
  $ 25001 -  30000                 $27,219        $1,666                   3.04
  $ 30001 -  35000                 $32,408        $2,390                   3.11
  $ 35001 -  40000                 $37,707        $2,542                   4.28
  $ 40001 -  45000                 $42,495        $3,242                   4.38
  $ 45001 -  50000                 $47,847        $3,873                   3.88
  $ 50001 -  75000                 $60,416        $5,752                   4.20
  $ 75001 - 100000                 $84,148       $10,211                   4.45
  OVER $100,000                   $149,385       $26,770                   5.33

                    ______________________________________________________________
  TOTAL                            $33,987        $3,347                   2.65
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      BOUNTIFUL UT
                        _________________________________________________
  UNDER $1              68     $-2,867,770        $4,583     -0.16           99
  $     1  -  5000    2805      $7,104,555       $97,230      1.37          946
  $  5001 -  10000    1993     $14,679,188      $519,141      3.54         1753
  $ 10001 -  15000    1674     $20,918,543    $1,088,739      5.20         2422
  $ 15001 -  20000    1450     $25,281,366    $1,601,376      6.33         2601
  $ 20001 -  25000    1248     $27,930,804    $2,047,609      7.33         2564
  $ 25001 -  30000    1093     $29,968,822    $2,415,476      8.06         2476
  $ 30001 -  35000     961     $31,212,948    $2,649,380      8.49         2520
  $ 35001 -  40000     921     $34,452,700    $3,058,850      8.88         2678
  $ 40001 -  45000     747     $31,759,036    $2,906,041      9.15         2330
  $ 45001 -  50000     687     $32,584,838    $3,003,451      9.22         2313
  $ 50001 -  75000    2452    $149,656,715   $15,807,149     10.56         8455
  $ 75001 - 100000    1017     $87,050,529   $11,590,551     13.31         3723
  $100001 - 250000     835    $118,216,549   $20,787,341     17.58         3292
  OVER $250,000        157     $71,574,590   $19,636,440     27.43          581

                    ______________________________________________________________
  TOTAL              18108    $679,523,413   $87,213,357     12.83        38753
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.4           0.0                    0.3
  $     1  -  5000    15.5             1.0           0.1                    2.4
  $  5001 -  10000    11.0             2.2           0.6                    4.5
  $ 10001 -  15000     9.2             3.1           1.2                    6.2
  $ 15001 -  20000     8.0             3.7           1.8                    6.7
  $ 20001 -  25000     6.9             4.1           2.3                    6.6
  $ 25001 -  30000     6.0             4.4           2.8                    6.4
  $ 30001 -  35000     5.3             4.6           3.0                    6.5
  $ 35001 -  40000     5.1             5.1           3.5                    6.9
  $ 40001 -  45000     4.1             4.7           3.3                    6.0
  $ 45001 -  50000     3.8             4.8           3.4                    6.0
  $ 50001 -  75000    13.5            22.0          18.1                   21.8
  $ 75001 - 100000     5.6            12.8          13.3                    9.6
  $100001 - 250000     4.6            17.4          23.8                    8.5
  OVER $250,000        0.9            10.5          22.5                    1.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-42,173           $67                   1.46
  $     1  -  5000                  $2,533           $35                   0.34
  $  5001 -  10000                  $7,365          $260                   0.88
  $ 10001 -  15000                 $12,496          $650                   1.45
  $ 15001 -  20000                 $17,435        $1,104                   1.79
  $ 20001 -  25000                 $22,380        $1,641                   2.05
  $ 25001 -  30000                 $27,419        $2,210                   2.27
  $ 30001 -  35000                 $32,480        $2,757                   2.62
  $ 35001 -  40000                 $37,408        $3,321                   2.91
  $ 40001 -  45000                 $42,515        $3,890                   3.12
  $ 45001 -  50000                 $47,431        $4,372                   3.37
  $ 50001 -  75000                 $61,035        $6,447                   3.45
  $ 75001 - 100000                 $85,595       $11,397                   3.66
  $100001 - 250000                $141,577       $24,895                   3.94
  OVER $250,000                   $455,889      $125,073                   3.70

                    ______________________________________________________________
  TOTAL                            $37,526        $4,816                   2.14
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      BRIGHAM CITY UT
                        _________________________________________________
  UNDER $1              33       $-658,266        $5,155     -0.78           78
  $     1  -  5000    1041      $2,630,646       $27,702      1.05          444
  $  5001 -  10000     735      $5,458,606      $164,482      3.01          837
  $ 10001 -  15000     623      $7,786,761      $353,795      4.54         1020
  $ 15001 -  20000     629     $11,023,631      $655,539      5.95         1265
  $ 20001 -  25000     619     $13,879,511      $979,327      7.06         1445
  $ 25001 -  30000     467     $12,852,026      $981,370      7.64         1253
  $ 30001 -  35000     429     $13,947,533    $1,151,617      8.26         1271
  $ 35001 -  40000     416     $15,606,985    $1,379,640      8.84         1373
  $ 40001 -  45000     332     $14,111,148    $1,266,456      8.97         1176
  $ 45001 -  50000     378     $17,928,704    $1,680,234      9.37         1415
  $ 50001 -  75000    1026     $62,227,450    $6,646,884     10.68         4091
  $ 75001 - 100000     250     $21,125,033    $2,965,053     14.04          921
  $100001 - 250000     123     $17,380,807    $3,312,232     19.06          441
  OVER $250,000         18      $8,840,852    $2,733,399     30.92           56

                    ______________________________________________________________
  TOTAL               7119    $224,141,427   $24,302,885     10.84        17086
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.3           0.0                    0.5
  $     1  -  5000    14.6             1.2           0.1                    2.6
  $  5001 -  10000    10.3             2.4           0.7                    4.9
  $ 10001 -  15000     8.8             3.5           1.5                    6.0
  $ 15001 -  20000     8.8             4.9           2.7                    7.4
  $ 20001 -  25000     8.7             6.2           4.0                    8.5
  $ 25001 -  30000     6.6             5.7           4.0                    7.3
  $ 30001 -  35000     6.0             6.2           4.7                    7.4
  $ 35001 -  40000     5.8             7.0           5.7                    8.0
  $ 40001 -  45000     4.7             6.3           5.2                    6.9
  $ 45001 -  50000     5.3             8.0           6.9                    8.3
  $ 50001 -  75000    14.4            27.8          27.4                   23.9
  $ 75001 - 100000     3.5             9.4          12.2                    5.4
  $100001 - 250000     1.7             7.8          13.6                    2.6
  OVER $250,000        0.3             3.9          11.2                    0.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-19,947          $156                   2.36
  $     1  -  5000                  $2,527           $27                   0.43
  $  5001 -  10000                  $7,427          $224                   1.14
  $ 10001 -  15000                 $12,499          $568                   1.64
  $ 15001 -  20000                 $17,526        $1,042                   2.01
  $ 20001 -  25000                 $22,422        $1,582                   2.33
  $ 25001 -  30000                 $27,520        $2,101                   2.68
  $ 30001 -  35000                 $32,512        $2,684                   2.96
  $ 35001 -  40000                 $37,517        $3,316                   3.30
  $ 40001 -  45000                 $42,503        $3,815                   3.54
  $ 45001 -  50000                 $47,430        $4,445                   3.74
  $ 50001 -  75000                 $60,651        $6,478                   3.99
  $ 75001 - 100000                 $84,500       $11,860                   3.68
  $100001 - 250000                $141,307       $26,929                   3.59
  OVER $250,000                   $491,158      $151,856                   3.11

                    ______________________________________________________________
  TOTAL                            $31,485        $3,414                   2.40
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      CEDAR CITY UT
                        _________________________________________________
  UNDER $1              47       $-978,853        $4,616     -0.47          117
  $     1  -  5000    1353      $3,649,025       $27,599      0.76          812
  $  5001 -  10000    1199      $8,886,573      $227,487      2.56         1651
  $ 10001 -  15000    1011     $12,594,905      $457,289      3.63         2082
  $ 15001 -  20000     750     $12,977,260      $680,704      5.25         1734
  $ 20001 -  25000     639     $14,321,273      $898,144      6.27         1676
  $ 25001 -  30000     461     $12,628,357      $893,479      7.08         1389
  $ 30001 -  35000     403     $13,081,964    $1,033,285      7.90         1315
  $ 35001 -  40000     397     $14,863,157    $1,262,008      8.49         1302
  $ 40001 -  45000     307     $13,046,791    $1,156,821      8.87         1078
  $ 45001 -  50000     281     $13,342,660    $1,243,546      9.32          988
  $ 50001 -  75000     757     $45,216,376    $4,698,907     10.39         2779
  $ 75001 - 100000     181     $15,219,692    $2,047,179     13.45          683
  OVER $100,000        119     $17,599,087    $3,519,595     20.00          432

                    ______________________________________________________________
  TOTAL               7905    $196,448,267   $18,150,659      9.24        18038
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.5           0.0                    0.6
  $     1  -  5000    17.1             1.9           0.2                    4.5
  $  5001 -  10000    15.2             4.5           1.3                    9.2
  $ 10001 -  15000    12.8             6.4           2.5                   11.5
  $ 15001 -  20000     9.5             6.6           3.8                    9.6
  $ 20001 -  25000     8.1             7.3           4.9                    9.3
  $ 25001 -  30000     5.8             6.4           4.9                    7.7
  $ 30001 -  35000     5.1             6.7           5.7                    7.3
  $ 35001 -  40000     5.0             7.6           7.0                    7.2
  $ 40001 -  45000     3.9             6.6           6.4                    6.0
  $ 45001 -  50000     3.6             6.8           6.9                    5.5
  $ 50001 -  75000     9.6            23.0          25.9                   15.4
  $ 75001 - 100000     2.3             7.7          11.3                    3.8
  OVER $100,000        1.5             9.0          19.4                    2.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-20,827           $98                   2.49
  $     1  -  5000                  $2,697           $20                   0.60
  $  5001 -  10000                  $7,412          $190                   1.38
  $ 10001 -  15000                 $12,458          $452                   2.06
  $ 15001 -  20000                 $17,303          $908                   2.31
  $ 20001 -  25000                 $22,412        $1,406                   2.62
  $ 25001 -  30000                 $27,393        $1,938                   3.01
  $ 30001 -  35000                 $32,461        $2,564                   3.26
  $ 35001 -  40000                 $37,439        $3,179                   3.28
  $ 40001 -  45000                 $42,498        $3,768                   3.51
  $ 45001 -  50000                 $47,483        $4,425                   3.52
  $ 50001 -  75000                 $59,731        $6,207                   3.67
  $ 75001 - 100000                 $84,087       $11,310                   3.77
  OVER $100,000                   $147,891       $29,576                   3.63

                    ______________________________________________________________
  TOTAL                            $24,851        $2,296                   2.28
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      CENTERVILLE UT
                        _________________________________________________
  UNDER $1              26       $-176,946        $1,532     -0.87           51
  $     1  -  5000    1128      $2,870,929       $44,508      1.55          213
  $  5001 -  10000     670      $4,853,363      $210,087      4.33          432
  $ 10001 -  15000     389      $4,796,902      $274,826      5.73          501
  $ 15001 -  20000     343      $5,960,228      $387,961      6.51          604
  $ 20001 -  25000     291      $6,548,664      $480,546      7.34          594
  $ 25001 -  30000     248      $6,813,334      $493,880      7.25          660
  $ 30001 -  35000     238      $7,725,099      $630,885      8.17          628
  $ 35001 -  40000     234      $8,746,835      $726,757      8.31          730
  $ 40001 -  45000     258     $10,977,093      $952,470      8.68          861
  $ 45001 -  50000     207      $9,796,660      $847,598      8.65          774
  $ 50001 -  75000    1060     $65,103,440    $6,264,386      9.62         4298
  $ 75001 - 100000     429     $36,547,798    $4,496,668     12.30         1822
  $100001 - 250000     271     $37,241,023    $6,334,202     17.01         1307
  OVER $250,000         32     $11,779,791    $3,256,090     27.64          154

                    ______________________________________________________________
  TOTAL               5824    $219,584,213   $25,402,396     11.57        13629
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.1           0.0                    0.4
  $     1  -  5000    19.4             1.3           0.2                    1.6
  $  5001 -  10000    11.5             2.2           0.8                    3.2
  $ 10001 -  15000     6.7             2.2           1.1                    3.7
  $ 15001 -  20000     5.9             2.7           1.5                    4.4
  $ 20001 -  25000     5.0             3.0           1.9                    4.4
  $ 25001 -  30000     4.3             3.1           1.9                    4.8
  $ 30001 -  35000     4.1             3.5           2.5                    4.6
  $ 35001 -  40000     4.0             4.0           2.9                    5.4
  $ 40001 -  45000     4.4             5.0           3.7                    6.3
  $ 45001 -  50000     3.6             4.5           3.3                    5.7
  $ 50001 -  75000    18.2            29.6          24.7                   31.5
  $ 75001 - 100000     7.4            16.6          17.7                   13.4
  $100001 - 250000     4.7            17.0          24.9                    9.6
  OVER $250,000        0.5             5.4          12.8                    1.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-6,806           $59                   1.96
  $     1  -  5000                  $2,545           $39                   0.19
  $  5001 -  10000                  $7,244          $314                   0.64
  $ 10001 -  15000                 $12,331          $706                   1.29
  $ 15001 -  20000                 $17,377        $1,131                   1.76
  $ 20001 -  25000                 $22,504        $1,651                   2.04
  $ 25001 -  30000                 $27,473        $1,991                   2.66
  $ 30001 -  35000                 $32,458        $2,651                   2.64
  $ 35001 -  40000                 $37,380        $3,106                   3.12
  $ 40001 -  45000                 $42,547        $3,692                   3.34
  $ 45001 -  50000                 $47,327        $4,095                   3.74
  $ 50001 -  75000                 $61,418        $5,910                   4.05
  $ 75001 - 100000                 $85,193       $10,482                   4.25
  $100001 - 250000                $137,421       $23,373                   4.82
  OVER $250,000                   $368,118      $101,753                   4.81

                    ______________________________________________________________
  TOTAL                            $37,703        $4,362                   2.34
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      CLEARFIELD UT
                        _________________________________________________
  UNDER $1              16        $-43,950           $82     -0.19           19
  $     1  -  5000    1026      $2,676,831       $11,829      0.44          751
  $  5001 -  10000     865      $6,508,481      $161,110      2.48         1138
  $ 10001 -  15000     851     $10,607,454      $472,192      4.45         1486
  $ 15001 -  20000     798     $14,024,942      $841,418      6.00         1624
  $ 20001 -  25000     815     $18,251,265    $1,267,556      6.95         1959
  $ 25001 -  30000     648     $17,779,454    $1,397,302      7.86         1655
  $ 30001 -  35000     636     $20,602,059    $1,719,200      8.34         1855
  $ 35001 -  40000     530     $19,832,679    $1,828,005      9.22         1629
  $ 40001 -  45000     450     $19,071,628    $1,810,276      9.49         1441
  $ 45001 -  50000     358     $16,966,370    $1,643,923      9.69         1236
  $ 50001 -  75000     911     $54,594,884    $6,010,567     11.01         3235
  $ 75001 - 100000     150     $12,502,385    $1,748,992     13.99          543
  OVER $100,000         38      $6,097,082    $1,355,512     22.23          128

                    ______________________________________________________________
  TOTAL               8092    $219,471,564   $20,267,964      9.23        18699
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.2            -0.0           0.0                    0.1
  $     1  -  5000    12.7             1.2           0.1                    4.0
  $  5001 -  10000    10.7             3.0           0.8                    6.1
  $ 10001 -  15000    10.5             4.8           2.3                    7.9
  $ 15001 -  20000     9.9             6.4           4.2                    8.7
  $ 20001 -  25000    10.1             8.3           6.3                   10.5
  $ 25001 -  30000     8.0             8.1           6.9                    8.9
  $ 30001 -  35000     7.9             9.4           8.5                    9.9
  $ 35001 -  40000     6.5             9.0           9.0                    8.7
  $ 40001 -  45000     5.6             8.7           8.9                    7.7
  $ 45001 -  50000     4.4             7.7           8.1                    6.6
  $ 50001 -  75000    11.3            24.9          29.7                   17.3
  $ 75001 - 100000     1.9             5.7           8.6                    2.9
  OVER $100,000        0.5             2.8           6.7                    0.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-2,747            $5                   1.19
  $     1  -  5000                  $2,609           $12                   0.73
  $  5001 -  10000                  $7,524          $186                   1.32
  $ 10001 -  15000                 $12,465          $555                   1.75
  $ 15001 -  20000                 $17,575        $1,054                   2.04
  $ 20001 -  25000                 $22,394        $1,555                   2.40
  $ 25001 -  30000                 $27,437        $2,156                   2.55
  $ 30001 -  35000                 $32,393        $2,703                   2.92
  $ 35001 -  40000                 $37,420        $3,449                   3.07
  $ 40001 -  45000                 $42,381        $4,023                   3.20
  $ 45001 -  50000                 $47,392        $4,592                   3.45
  $ 50001 -  75000                 $59,929        $6,598                   3.55
  $ 75001 - 100000                 $83,349       $11,660                   3.62
  OVER $100,000                   $160,450       $35,671                   3.37

                    ______________________________________________________________
  TOTAL                            $27,122        $2,505                   2.31
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      CLINTON UT
                        _________________________________________________
  UNDER $1              10       $-356,221             .       .             20
  $     1  -  5000     518      $1,342,651       $10,002      0.74          152
  $  5001 -  10000     326      $2,323,773       $77,937      3.35          282
  $ 10001 -  15000     253      $3,130,979      $172,984      5.52          339
  $ 15001 -  20000     247      $4,347,920      $272,158      6.26          503
  $ 20001 -  25000     201      $4,498,044      $315,700      7.02          485
  $ 25001 -  30000     204      $5,600,225      $415,357      7.42          574
  $ 30001 -  35000     205      $6,676,580      $491,697      7.36          706
  $ 35001 -  40000     222      $8,280,911      $656,306      7.93          791
  $ 40001 -  45000     223      $9,474,088      $796,859      8.41          863
  $ 45001 -  50000     183      $8,675,929      $752,410      8.67          746
  $ 50001 -  75000     535     $32,050,520    $3,342,549     10.43         2088
  $ 75001 - 100000     103      $8,487,532    $1,166,147     13.74          391
  OVER $100,000         23      $3,913,666      $843,006     21.54           87

                    ______________________________________________________________
  TOTAL               3253     $98,446,597    $9,313,112      9.46         8027
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.3            -0.4            .                     0.2
  $     1  -  5000    15.9             1.4           0.1                    1.9
  $  5001 -  10000    10.0             2.4           0.8                    3.5
  $ 10001 -  15000     7.8             3.2           1.9                    4.2
  $ 15001 -  20000     7.6             4.4           2.9                    6.3
  $ 20001 -  25000     6.2             4.6           3.4                    6.0
  $ 25001 -  30000     6.3             5.7           4.5                    7.2
  $ 30001 -  35000     6.3             6.8           5.3                    8.8
  $ 35001 -  40000     6.8             8.4           7.0                    9.9
  $ 40001 -  45000     6.9             9.6           8.6                   10.8
  $ 45001 -  50000     5.6             8.8           8.1                    9.3
  $ 50001 -  75000    16.4            32.6          35.9                   26.0
  $ 75001 - 100000     3.2             8.6          12.5                    4.9
  OVER $100,000        0.7             4.0           9.1                    1.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-35,622             .                   2.00
  $     1  -  5000                  $2,592           $19                   0.29
  $  5001 -  10000                  $7,128          $239                   0.87
  $ 10001 -  15000                 $12,375          $684                   1.34
  $ 15001 -  20000                 $17,603        $1,102                   2.04
  $ 20001 -  25000                 $22,378        $1,571                   2.41
  $ 25001 -  30000                 $27,452        $2,036                   2.81
  $ 30001 -  35000                 $32,569        $2,399                   3.44
  $ 35001 -  40000                 $37,301        $2,956                   3.56
  $ 40001 -  45000                 $42,485        $3,573                   3.87
  $ 45001 -  50000                 $47,409        $4,112                   4.08
  $ 50001 -  75000                 $59,908        $6,248                   3.90
  $ 75001 - 100000                 $82,403       $11,322                   3.80
  OVER $100,000                   $170,159       $36,652                   3.78

                    ______________________________________________________________
  TOTAL                            $30,263        $2,863                   2.47
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      COALVILLE UT
                        _________________________________________________
  UNDER $1              10       $-651,116             .       .             22
  $     1  -  5000     145        $410,912        $4,929      1.20           33
  $  5001 -  10000     121        $881,024       $31,520      3.58          101
  $ 10001 -  15000      99      $1,235,921       $56,326      4.56          164
  $ 15001 -  20000      85      $1,465,185       $95,924      6.55          149
  $ 20001 -  25000      65      $1,471,983       $97,653      6.63          164
  $ 25001 -  30000      59      $1,621,387      $114,674      7.07          169
  $ 30001 -  35000      68      $2,213,000      $173,358      7.83          220
  $ 35001 -  40000      68      $2,539,571      $218,970      8.62          215
  $ 40001 -  45000      48      $2,041,514      $174,465      8.55          174
  $ 45001 -  50000      55      $2,615,536      $234,035      8.95          210
  $ 50001 -  75000     139      $8,221,405      $881,585     10.72          506
  $ 75001 - 100000      17      $1,480,616      $211,443     14.28           70
  OVER $100,000         27      $5,933,659    $1,510,462     25.46           90

                    ______________________________________________________________
  TOTAL               1006     $31,480,597    $3,805,344     12.09         2287
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.0            -2.1            .                     1.0
  $     1  -  5000    14.4             1.3           0.1                    1.4
  $  5001 -  10000    12.0             2.8           0.8                    4.4
  $ 10001 -  15000     9.8             3.9           1.5                    7.2
  $ 15001 -  20000     8.4             4.7           2.5                    6.5
  $ 20001 -  25000     6.5             4.7           2.6                    7.2
  $ 25001 -  30000     5.9             5.2           3.0                    7.4
  $ 30001 -  35000     6.8             7.0           4.6                    9.6
  $ 35001 -  40000     6.8             8.1           5.8                    9.4
  $ 40001 -  45000     4.8             6.5           4.6                    7.6
  $ 45001 -  50000     5.5             8.3           6.2                    9.2
  $ 50001 -  75000    13.8            26.1          23.2                   22.1
  $ 75001 - 100000     1.7             4.7           5.6                    3.1
  OVER $100,000        2.7            18.8          39.7                    3.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-65,112             .                   2.20
  $     1  -  5000                  $2,834           $34                   0.23
  $  5001 -  10000                  $7,281          $260                   0.83
  $ 10001 -  15000                 $12,484          $569                   1.66
  $ 15001 -  20000                 $17,237        $1,129                   1.75
  $ 20001 -  25000                 $22,646        $1,502                   2.52
  $ 25001 -  30000                 $27,481        $1,944                   2.86
  $ 30001 -  35000                 $32,544        $2,549                   3.24
  $ 35001 -  40000                 $37,347        $3,220                   3.16
  $ 40001 -  45000                 $42,532        $3,635                   3.63
  $ 45001 -  50000                 $47,555        $4,255                   3.82
  $ 50001 -  75000                 $59,147        $6,342                   3.64
  $ 75001 - 100000                 $87,095       $12,438                   4.12
  OVER $100,000                   $219,765       $55,943                   3.33

                    ______________________________________________________________
  TOTAL                            $31,293        $3,783                   2.27
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      DELTA UT
                        _________________________________________________
  UNDER $1              23       $-238,703          $334     -0.14           63
  $     1  -  5000     320        $840,071        $7,361      0.88          158
  $  5001 -  10000     226      $1,628,248       $37,892      2.33          293
  $ 10001 -  15000     180      $2,250,716       $64,530      2.87          464
  $ 15001 -  20000     109      $1,883,543       $90,378      4.80          280
  $ 20001 -  25000     116      $2,576,852      $140,295      5.44          344
  $ 25001 -  30000     102      $2,815,383      $187,979      6.68          358
  $ 30001 -  35000      84      $2,727,231      $185,374      6.80          328
  $ 35001 -  40000      83      $3,132,756      $258,229      8.24          310
  $ 40001 -  45000      74      $3,142,703      $262,960      8.37          310
  $ 45001 -  50000      87      $4,135,758      $365,799      8.84          384
  $ 50001 -  75000     281     $16,714,411    $1,688,338     10.10         1270
  $ 75001 - 100000      44      $3,682,269      $505,515     13.73          192
  OVER $100,000         16      $2,611,730      $539,220     20.65           80

                    ______________________________________________________________
  TOTAL               1745     $47,902,968    $4,334,204      9.05         4834
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.3            -0.5           0.0                    1.3
  $     1  -  5000    18.3             1.8           0.2                    3.3
  $  5001 -  10000    13.0             3.4           0.9                    6.1
  $ 10001 -  15000    10.3             4.7           1.5                    9.6
  $ 15001 -  20000     6.2             3.9           2.1                    5.8
  $ 20001 -  25000     6.6             5.4           3.2                    7.1
  $ 25001 -  30000     5.8             5.9           4.3                    7.4
  $ 30001 -  35000     4.8             5.7           4.3                    6.8
  $ 35001 -  40000     4.8             6.5           6.0                    6.4
  $ 40001 -  45000     4.2             6.6           6.1                    6.4
  $ 45001 -  50000     5.0             8.6           8.4                    7.9
  $ 50001 -  75000    16.1            34.9          39.0                   26.3
  $ 75001 - 100000     2.5             7.7          11.7                    4.0
  OVER $100,000        0.9             5.5          12.4                    1.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-10,378           $15                   2.74
  $     1  -  5000                  $2,625           $23                   0.49
  $  5001 -  10000                  $7,205          $168                   1.30
  $ 10001 -  15000                 $12,504          $359                   2.58
  $ 15001 -  20000                 $17,280          $829                   2.57
  $ 20001 -  25000                 $22,214        $1,209                   2.97
  $ 25001 -  30000                 $27,602        $1,843                   3.51
  $ 30001 -  35000                 $32,467        $2,207                   3.90
  $ 35001 -  40000                 $37,744        $3,111                   3.73
  $ 40001 -  45000                 $42,469        $3,554                   4.19
  $ 45001 -  50000                 $47,537        $4,205                   4.41
  $ 50001 -  75000                 $59,482        $6,008                   4.52
  $ 75001 - 100000                 $83,688       $11,489                   4.36
  OVER $100,000                   $163,233       $33,701                   5.00

                    ______________________________________________________________
  TOTAL                            $27,452        $2,484                   2.77
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      DRAPER UT
                        _________________________________________________
  UNDER $1              19       $-244,956             .       .             41
  $     1  -  5000     569      $1,406,011       $13,593      0.97          201
  $  5001 -  10000     369      $2,736,251      $102,975      3.76          363
  $ 10001 -  15000     267      $3,319,596      $169,782      5.11          386
  $ 15001 -  20000     233      $4,019,034      $262,499      6.53          431
  $ 20001 -  25000     177      $3,968,984      $287,877      7.25          376
  $ 25001 -  30000     153      $4,185,218      $333,055      7.96          369
  $ 30001 -  35000     160      $5,189,157      $391,589      7.55          474
  $ 35001 -  40000     161      $6,063,765      $478,787      7.90          526
  $ 40001 -  45000     140      $5,994,788      $534,787      8.92          445
  $ 45001 -  50000     153      $7,258,259      $578,207      7.97          606
  $ 50001 -  75000     681     $42,194,664    $4,177,737      9.90         2538
  $ 75001 - 100000     313     $26,862,083    $3,370,297     12.55         1177
  $100001 - 250000     310     $43,898,635    $7,905,543     18.01         1189
  OVER $250,000         34     $18,207,999    $5,373,636     29.51          143

                    ______________________________________________________________
  TOTAL               3739    $175,059,488   $23,980,364     13.70         9265
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.1            .                     0.4
  $     1  -  5000    15.2             0.8           0.1                    2.2
  $  5001 -  10000     9.9             1.6           0.4                    3.9
  $ 10001 -  15000     7.1             1.9           0.7                    4.2
  $ 15001 -  20000     6.2             2.3           1.1                    4.7
  $ 20001 -  25000     4.7             2.3           1.2                    4.1
  $ 25001 -  30000     4.1             2.4           1.4                    4.0
  $ 30001 -  35000     4.3             3.0           1.6                    5.1
  $ 35001 -  40000     4.3             3.5           2.0                    5.7
  $ 40001 -  45000     3.7             3.4           2.2                    4.8
  $ 45001 -  50000     4.1             4.1           2.4                    6.5
  $ 50001 -  75000    18.2            24.1          17.4                   27.4
  $ 75001 - 100000     8.4            15.3          14.1                   12.7
  $100001 - 250000     8.3            25.1          33.0                   12.8
  OVER $250,000        0.9            10.4          22.4                    1.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-12,892             .                   2.16
  $     1  -  5000                  $2,471           $24                   0.35
  $  5001 -  10000                  $7,415          $279                   0.98
  $ 10001 -  15000                 $12,433          $636                   1.45
  $ 15001 -  20000                 $17,249        $1,127                   1.85
  $ 20001 -  25000                 $22,424        $1,626                   2.12
  $ 25001 -  30000                 $27,354        $2,177                   2.41
  $ 30001 -  35000                 $32,432        $2,447                   2.96
  $ 35001 -  40000                 $37,663        $2,974                   3.27
  $ 40001 -  45000                 $42,820        $3,820                   3.18
  $ 45001 -  50000                 $47,440        $3,779                   3.96
  $ 50001 -  75000                 $61,960        $6,135                   3.73
  $ 75001 - 100000                 $85,821       $10,768                   3.76
  $100001 - 250000                $141,609       $25,502                   3.84
  OVER $250,000                   $535,529      $158,048                   4.21

                    ______________________________________________________________
  TOTAL                            $46,820        $6,414                   2.48
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      EDEN UT
                        _________________________________________________
  UNDER $ 5,000         89        $217,901        $2,662      1.22           29
  $  5001 -  10000      49        $354,742       $11,038      3.11           53
  $ 10001 -  15000      60        $741,996       $38,003      5.12           93
  $ 15001 -  20000      46        $793,978       $50,399      6.35           86
  $ 20001 -  25000      34        $768,940       $51,630      6.71           80
  $ 25001 -  30000      57      $1,571,670      $109,849      6.99          161
  $ 30001 -  35000      42      $1,358,368      $107,624      7.92          115
  $ 35001 -  40000      29      $1,101,656      $100,047      9.08           85
  $ 40001 -  45000      43      $1,834,119      $162,098      8.84          135
  $ 45001 -  50000      47      $2,235,563      $204,908      9.17          168
  $ 50001 -  75000     152      $9,184,434      $998,017     10.87          532
  $ 75001 - 100000      75      $6,401,435      $879,179     13.73          266
  OVER $100,000         47      $6,896,270    $1,367,297     19.83          156

                    ______________________________________________________________
  TOTAL                770     $33,461,072    $4,082,751     12.20         1959
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       11.6             0.7           0.1                    1.5
  $  5001 -  10000     6.4             1.1           0.3                    2.7
  $ 10001 -  15000     7.8             2.2           0.9                    4.7
  $ 15001 -  20000     6.0             2.4           1.2                    4.4
  $ 20001 -  25000     4.4             2.3           1.3                    4.1
  $ 25001 -  30000     7.4             4.7           2.7                    8.2
  $ 30001 -  35000     5.5             4.1           2.6                    5.9
  $ 35001 -  40000     3.8             3.3           2.5                    4.3
  $ 40001 -  45000     5.6             5.5           4.0                    6.9
  $ 45001 -  50000     6.1             6.7           5.0                    8.6
  $ 50001 -  75000    19.7            27.4          24.4                   27.2
  $ 75001 - 100000     9.7            19.1          21.5                   13.6
  OVER $100,000        6.1            20.6          33.5                    8.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,448           $30                   0.33
  $  5001 -  10000                  $7,240          $225                   1.08
  $ 10001 -  15000                 $12,367          $633                   1.55
  $ 15001 -  20000                 $17,260        $1,096                   1.87
  $ 20001 -  25000                 $22,616        $1,519                   2.35
  $ 25001 -  30000                 $27,573        $1,927                   2.82
  $ 30001 -  35000                 $32,342        $2,562                   2.74
  $ 35001 -  40000                 $37,988        $3,450                   2.93
  $ 40001 -  45000                 $42,654        $3,770                   3.14
  $ 45001 -  50000                 $47,565        $4,360                   3.57
  $ 50001 -  75000                 $60,424        $6,566                   3.50
  $ 75001 - 100000                 $85,352       $11,722                   3.55
  OVER $100,000                   $146,729       $29,091                   3.32

                    ______________________________________________________________
  TOTAL                            $43,456        $5,302                   2.54
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      EPHRAIM UT
                        _________________________________________________
  UNDER $ 5,000        269        $511,388        $4,637      0.91          122
  $  5001 -  10000     134        $962,459       $24,441      2.54          193
  $ 10001 -  15000     134      $1,684,499       $42,868      2.54          321
  $ 15001 -  20000      87      $1,500,523       $72,199      4.81          226
  $ 20001 -  25000      84      $1,907,656      $100,620      5.27          273
  $ 25001 -  30000      61      $1,672,901      $109,922      6.57          214
  $ 30001 -  35000      53      $1,701,764      $116,389      6.84          211
  $ 35001 -  40000      33      $1,237,469       $84,781      6.85          145
  $ 40001 -  45000      42      $1,785,627      $138,881      7.78          190
  $ 45001 -  50000      38      $1,807,943      $155,323      8.59          164
  $ 50001 -  75000      90      $5,337,527      $485,068      9.09          426
  $ 75001 - 100000      26      $2,211,487      $275,709     12.47          125
  OVER $100,000         16      $3,960,029      $987,083     24.93           67

                    ______________________________________________________________
  TOTAL               1067     $26,281,272    $2,597,921      9.89         2677
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       25.2             1.9           0.2                    4.6
  $  5001 -  10000    12.6             3.7           0.9                    7.2
  $ 10001 -  15000    12.6             6.4           1.7                   12.0
  $ 15001 -  20000     8.2             5.7           2.8                    8.4
  $ 20001 -  25000     7.9             7.3           3.9                   10.2
  $ 25001 -  30000     5.7             6.4           4.2                    8.0
  $ 30001 -  35000     5.0             6.5           4.5                    7.9
  $ 35001 -  40000     3.1             4.7           3.3                    5.4
  $ 40001 -  45000     3.9             6.8           5.3                    7.1
  $ 45001 -  50000     3.6             6.9           6.0                    6.1
  $ 50001 -  75000     8.4            20.3          18.7                   15.9
  $ 75001 - 100000     2.4             8.4          10.6                    4.7
  OVER $100,000        1.5            15.1          38.0                    2.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,901           $17                   0.45
  $  5001 -  10000                  $7,183          $182                   1.44
  $ 10001 -  15000                 $12,571          $320                   2.40
  $ 15001 -  20000                 $17,247          $830                   2.60
  $ 20001 -  25000                 $22,710        $1,198                   3.25
  $ 25001 -  30000                 $27,425        $1,802                   3.51
  $ 30001 -  35000                 $32,109        $2,196                   3.98
  $ 35001 -  40000                 $37,499        $2,569                   4.39
  $ 40001 -  45000                 $42,515        $3,307                   4.52
  $ 45001 -  50000                 $47,577        $4,087                   4.32
  $ 50001 -  75000                 $59,306        $5,390                   4.73
  $ 75001 - 100000                 $85,057       $10,604                   4.81
  OVER $100,000                   $247,502       $61,693                   4.19

                    ______________________________________________________________
  TOTAL                            $24,631        $2,435                   2.51
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      FARMINGTON UT
                        _________________________________________________
  UNDER $1              23        $-98,181        $6,732     -6.86           39
  $     1  -  5000     804      $1,931,508       $26,541      1.37          133
  $  5001 -  10000     402      $2,922,108      $123,699      4.23          275
  $ 10001 -  15000     271      $3,373,598      $196,748      5.83          347
  $ 15001 -  20000     228      $3,960,037      $245,088      6.19          438
  $ 20001 -  25000     176      $3,925,473      $273,483      6.97          390
  $ 25001 -  30000     179      $4,904,666      $350,060      7.14          473
  $ 30001 -  35000     177      $5,776,617      $437,289      7.57          531
  $ 35001 -  40000     161      $6,036,118      $476,786      7.90          544
  $ 40001 -  45000     176      $7,536,223      $610,837      8.11          664
  $ 45001 -  50000     163      $7,767,033      $647,485      8.34          646
  $ 50001 -  75000     691     $42,399,285    $3,932,235      9.27         2860
  $ 75001 - 100000     298     $25,369,480    $3,151,917     12.42         1202
  $100001 - 250000     254     $35,730,752    $6,063,293     16.97         1142
  OVER $250,000         41     $18,725,799    $5,300,200     28.30          216

                    ______________________________________________________________
  TOTAL               4044    $170,260,516   $21,842,393     12.83         9900
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.1           0.0                    0.4
  $     1  -  5000    19.9             1.1           0.1                    1.3
  $  5001 -  10000     9.9             1.7           0.6                    2.8
  $ 10001 -  15000     6.7             2.0           0.9                    3.5
  $ 15001 -  20000     5.6             2.3           1.1                    4.4
  $ 20001 -  25000     4.4             2.3           1.3                    3.9
  $ 25001 -  30000     4.4             2.9           1.6                    4.8
  $ 30001 -  35000     4.4             3.4           2.0                    5.4
  $ 35001 -  40000     4.0             3.5           2.2                    5.5
  $ 40001 -  45000     4.4             4.4           2.8                    6.7
  $ 45001 -  50000     4.0             4.6           3.0                    6.5
  $ 50001 -  75000    17.1            24.9          18.0                   28.9
  $ 75001 - 100000     7.4            14.9          14.4                   12.1
  $100001 - 250000     6.3            21.0          27.8                   11.5
  OVER $250,000        1.0            11.0          24.3                    2.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-4,269          $293                   1.70
  $     1  -  5000                  $2,402           $33                   0.17
  $  5001 -  10000                  $7,269          $308                   0.68
  $ 10001 -  15000                 $12,449          $726                   1.28
  $ 15001 -  20000                 $17,369        $1,075                   1.92
  $ 20001 -  25000                 $22,304        $1,554                   2.22
  $ 25001 -  30000                 $27,400        $1,956                   2.64
  $ 30001 -  35000                 $32,636        $2,471                   3.00
  $ 35001 -  40000                 $37,491        $2,961                   3.38
  $ 40001 -  45000                 $42,819        $3,471                   3.77
  $ 45001 -  50000                 $47,651        $3,972                   3.96
  $ 50001 -  75000                 $61,359        $5,691                   4.14
  $ 75001 - 100000                 $85,132       $10,577                   4.03
  $100001 - 250000                $140,672       $23,871                   4.50
  OVER $250,000                   $456,727      $129,273                   5.27

                    ______________________________________________________________
  TOTAL                            $42,102        $5,401                   2.45
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      FILLMORE UT
                        _________________________________________________
  UNDER $1              21       $-673,821             .       .             66
  $     1  -  5000     127        $362,004        $2,840      0.78           83
  $  5001 -  10000     105        $787,838       $17,202      2.18          183
  $ 10001 -  15000      98      $1,232,995       $41,373      3.36          202
  $ 15001 -  20000     102      $1,799,145       $69,965      3.89          297
  $ 20001 -  25000      58      $1,304,046       $68,624      5.26          183
  $ 25001 -  30000      57      $1,548,391       $95,292      6.15          201
  $ 30001 -  35000      50      $1,631,526      $115,863      7.10          183
  $ 35001 -  40000      51      $1,919,634      $155,442      8.10          193
  $ 40001 -  45000      47      $1,980,001      $172,653      8.72          195
  $ 45001 -  50000      22      $1,042,950       $93,184      8.93           90
  $ 50001 -  75000      77      $4,556,544      $489,248     10.74          294
  OVER $ 75,000         26      $3,377,363      $686,098     20.31          107

                    ______________________________________________________________
  TOTAL                841     $20,868,616    $2,007,784      9.62         2277
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             2.5            -3.2            .                     2.9
  $     1  -  5000    15.1             1.7           0.1                    3.6
  $  5001 -  10000    12.5             3.8           0.9                    8.0
  $ 10001 -  15000    11.7             5.9           2.1                    8.9
  $ 15001 -  20000    12.1             8.6           3.5                   13.0
  $ 20001 -  25000     6.9             6.2           3.4                    8.0
  $ 25001 -  30000     6.8             7.4           4.7                    8.8
  $ 30001 -  35000     5.9             7.8           5.8                    8.0
  $ 35001 -  40000     6.1             9.2           7.7                    8.5
  $ 40001 -  45000     5.6             9.5           8.6                    8.6
  $ 45001 -  50000     2.6             5.0           4.6                    4.0
  $ 50001 -  75000     9.2            21.8          24.4                   12.9
  OVER $ 75,000        3.1            16.2          34.2                    4.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-32,087             .                   3.14
  $     1  -  5000                  $2,850           $22                   0.65
  $  5001 -  10000                  $7,503          $164                   1.74
  $ 10001 -  15000                 $12,582          $422                   2.06
  $ 15001 -  20000                 $17,639          $686                   2.91
  $ 20001 -  25000                 $22,484        $1,183                   3.16
  $ 25001 -  30000                 $27,165        $1,672                   3.53
  $ 30001 -  35000                 $32,631        $2,317                   3.66
  $ 35001 -  40000                 $37,640        $3,048                   3.78
  $ 40001 -  45000                 $42,128        $3,673                   4.15
  $ 45001 -  50000                 $47,407        $4,236                   4.09
  $ 50001 -  75000                 $59,176        $6,354                   3.82
  OVER $ 75,000                   $129,899       $26,388                   4.12

                    ______________________________________________________________
  TOTAL                            $24,814        $2,387                   2.71
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      FRUIT HEIGHTS UT
                        _________________________________________________
  UNDER $ 5,000        384        $914,945       $12,111      1.32           80
  $  5001 -  10000     203      $1,452,386       $74,440      5.13           94
  $ 10001 -  15000     105      $1,286,244       $82,011      6.38          126
  $ 15001 -  20000     107      $1,872,641      $128,171      6.84          175
  $ 20001 -  25000      43        $971,038       $67,629      6.96           91
  $ 25001 -  30000      47      $1,290,809      $100,286      7.77          112
  $ 30001 -  35000      52      $1,699,982      $126,668      7.45          138
  $ 35001 -  40000      44      $1,653,988      $127,938      7.74          144
  $ 40001 -  45000      54      $2,295,145      $218,268      9.51          181
  $ 45001 -  50000      57      $2,700,196      $237,989      8.81          210
  $ 50001 -  75000     283     $17,486,065    $1,621,674      9.27         1203
  $ 75001 - 100000     150     $12,776,916    $1,531,861     11.99          623
  $100001 - 250000     106     $13,732,757    $2,259,123     16.45          489
  OVER $250,000         16      $7,649,933    $1,894,095     24.76           84

                    ______________________________________________________________
  TOTAL               1651     $67,783,045    $8,482,264     12.51         3750
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       23.3             1.3           0.1                    2.1
  $  5001 -  10000    12.3             2.1           0.9                    2.5
  $ 10001 -  15000     6.4             1.9           1.0                    3.4
  $ 15001 -  20000     6.5             2.8           1.5                    4.7
  $ 20001 -  25000     2.6             1.4           0.8                    2.4
  $ 25001 -  30000     2.8             1.9           1.2                    3.0
  $ 30001 -  35000     3.1             2.5           1.5                    3.7
  $ 35001 -  40000     2.7             2.4           1.5                    3.8
  $ 40001 -  45000     3.3             3.4           2.6                    4.8
  $ 45001 -  50000     3.5             4.0           2.8                    5.6
  $ 50001 -  75000    17.1            25.8          19.1                   32.1
  $ 75001 - 100000     9.1            18.8          18.1                   16.6
  $100001 - 250000     6.4            20.3          26.6                   13.0
  OVER $250,000        1.0            11.3          22.3                    2.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,383           $32                   0.21
  $  5001 -  10000                  $7,155          $367                   0.46
  $ 10001 -  15000                 $12,250          $781                   1.20
  $ 15001 -  20000                 $17,501        $1,198                   1.64
  $ 20001 -  25000                 $22,582        $1,573                   2.12
  $ 25001 -  30000                 $27,464        $2,134                   2.38
  $ 30001 -  35000                 $32,692        $2,436                   2.65
  $ 35001 -  40000                 $37,591        $2,908                   3.27
  $ 40001 -  45000                 $42,503        $4,042                   3.35
  $ 45001 -  50000                 $47,372        $4,175                   3.68
  $ 50001 -  75000                 $61,788        $5,730                   4.25
  $ 75001 - 100000                 $85,179       $10,212                   4.15
  $100001 - 250000                $129,554       $21,312                   4.61
  OVER $250,000                   $478,121      $118,381                   5.25

                    ______________________________________________________________
  TOTAL                            $41,056        $5,138                   2.27
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      GARLAND UT
                        _________________________________________________
  UNDER $1              12       $-572,574          $616     -0.11           31
  $     1  -  5000     141        $369,590        $4,583      1.24           55
  $  5001 -  10000     122        $898,839       $25,467      2.83          135
  $ 10001 -  15000      90      $1,148,632       $48,418      4.22          158
  $ 15001 -  20000      99      $1,749,329      $103,504      5.92          212
  $ 20001 -  25000      91      $2,035,648      $126,028      6.19          263
  $ 25001 -  30000      79      $2,163,654      $148,990      6.89          256
  $ 30001 -  35000      78      $2,519,238      $189,278      7.51          289
  $ 35001 -  40000      77      $2,901,557      $236,193      8.14          304
  $ 40001 -  45000      62      $2,639,377      $243,083      9.21          224
  $ 45001 -  50000      49      $2,344,515      $211,248      9.01          208
  $ 50001 -  75000     129      $7,629,580      $805,308     10.56          561
  $ 75001 - 250000      38      $3,455,380      $536,421     15.52          139

                    ______________________________________________________________
  TOTAL               1067     $29,282,765    $2,679,137      9.15         2835
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.1            -2.0           0.0                    1.1
  $     1  -  5000    13.2             1.3           0.2                    1.9
  $  5001 -  10000    11.4             3.1           1.0                    4.8
  $ 10001 -  15000     8.4             3.9           1.8                    5.6
  $ 15001 -  20000     9.3             6.0           3.9                    7.5
  $ 20001 -  25000     8.5             7.0           4.7                    9.3
  $ 25001 -  30000     7.4             7.4           5.6                    9.0
  $ 30001 -  35000     7.3             8.6           7.1                   10.2
  $ 35001 -  40000     7.2             9.9           8.8                   10.7
  $ 40001 -  45000     5.8             9.0           9.1                    7.9
  $ 45001 -  50000     4.6             8.0           7.9                    7.3
  $ 50001 -  75000    12.1            26.1          30.1                   19.8
  $ 75001 - 250000     3.6            11.8          20.0                    4.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-47,715           $51                   2.58
  $     1  -  5000                  $2,621           $33                   0.39
  $  5001 -  10000                  $7,368          $209                   1.11
  $ 10001 -  15000                 $12,763          $538                   1.76
  $ 15001 -  20000                 $17,670        $1,045                   2.14
  $ 20001 -  25000                 $22,370        $1,385                   2.89
  $ 25001 -  30000                 $27,388        $1,886                   3.24
  $ 30001 -  35000                 $32,298        $2,427                   3.71
  $ 35001 -  40000                 $37,683        $3,067                   3.95
  $ 40001 -  45000                 $42,571        $3,921                   3.61
  $ 45001 -  50000                 $47,847        $4,311                   4.24
  $ 50001 -  75000                 $59,144        $6,243                   4.35
  $ 75001 - 250000                 $90,931       $14,116                   3.66

                    ______________________________________________________________
  TOTAL                            $27,444        $2,511                   2.66
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      GRANTSVILLE
                        _________________________________________________
  UNDER $ 5,000        305        $750,746        $4,723      0.63          180
  $  5001 -  10000     206      $1,573,850       $48,529      3.08          253
  $ 10001 -  15000     220      $2,755,564      $130,709      4.74          345
  $ 15001 -  20000     188      $3,291,148      $188,958      5.74          396
  $ 20001 -  25000     146      $3,261,152      $222,007      6.81          353
  $ 25001 -  30000     148      $4,089,262      $316,490      7.74          392
  $ 30001 -  35000     140      $4,529,226      $387,238      8.55          396
  $ 35001 -  40000     128      $4,800,008      $420,695      8.76          450
  $ 40001 -  45000     133      $5,652,899      $520,524      9.21          473
  $ 45001 -  50000     113      $5,357,672      $506,554      9.45          419
  $ 50001 -  75000     305     $18,242,166    $2,016,125     11.05         1161
  $ 75001 - 100000      66      $5,552,523      $809,887     14.59          226
  OVER $100,000         20      $2,883,935      $608,174     21.09           71

                    ______________________________________________________________
  TOTAL               2118     $62,740,151    $6,180,613      9.85         5115
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       14.4             1.2           0.1                    3.5
  $  5001 -  10000     9.7             2.5           0.8                    4.9
  $ 10001 -  15000    10.4             4.4           2.1                    6.7
  $ 15001 -  20000     8.9             5.2           3.1                    7.7
  $ 20001 -  25000     6.9             5.2           3.6                    6.9
  $ 25001 -  30000     7.0             6.5           5.1                    7.7
  $ 30001 -  35000     6.6             7.2           6.3                    7.7
  $ 35001 -  40000     6.0             7.7           6.8                    8.8
  $ 40001 -  45000     6.3             9.0           8.4                    9.2
  $ 45001 -  50000     5.3             8.5           8.2                    8.2
  $ 50001 -  75000    14.4            29.1          32.6                   22.7
  $ 75001 - 100000     3.1             8.9          13.1                    4.4
  OVER $100,000        0.9             4.6           9.8                    1.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,461           $15                   0.59
  $  5001 -  10000                  $7,640          $236                   1.23
  $ 10001 -  15000                 $12,525          $594                   1.57
  $ 15001 -  20000                 $17,506        $1,005                   2.11
  $ 20001 -  25000                 $22,337        $1,521                   2.42
  $ 25001 -  30000                 $27,630        $2,138                   2.65
  $ 30001 -  35000                 $32,352        $2,766                   2.83
  $ 35001 -  40000                 $37,500        $3,287                   3.52
  $ 40001 -  45000                 $42,503        $3,914                   3.56
  $ 45001 -  50000                 $47,413        $4,483                   3.71
  $ 50001 -  75000                 $59,810        $6,610                   3.81
  $ 75001 - 100000                 $84,129       $12,271                   3.42
  OVER $100,000                   $144,197       $30,409                   3.55

                    ______________________________________________________________
  TOTAL                            $29,622        $2,918                   2.42
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      HEBER CITY UT
                        _________________________________________________
  UNDER $1              14       $-557,260             .       .             33
  $     1  -  5000     534      $1,378,767       $14,533      1.05          186
  $  5001 -  10000     392      $2,891,604       $94,020      3.25          437
  $ 10001 -  15000     337      $4,236,780      $187,254      4.42          594
  $ 15001 -  20000     284      $4,988,797      $270,822      5.43          626
  $ 20001 -  25000     277      $6,223,759      $401,270      6.45          714
  $ 25001 -  30000     227      $6,231,372      $433,899      6.96          683
  $ 30001 -  35000     219      $7,096,276      $528,959      7.45          730
  $ 35001 -  40000     196      $7,342,836      $594,999      8.10          670
  $ 40001 -  45000     184      $7,793,427      $647,133      8.30          686
  $ 45001 -  50000     136      $6,450,293      $553,740      8.58          530
  $ 50001 -  75000     379     $22,687,874    $2,349,554     10.36         1369
  $ 75001 - 100000      78      $6,588,546      $802,462     12.18          336
  $100001 - 250000      59      $8,333,478    $1,489,377     17.87          220
  OVER $250,000         10      $4,454,087    $1,153,880     25.91           48

                    ______________________________________________________________
  TOTAL               3326     $96,140,636    $9,521,902      9.90         7862
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.6            .                     0.4
  $     1  -  5000    16.1             1.4           0.2                    2.4
  $  5001 -  10000    11.8             3.0           1.0                    5.6
  $ 10001 -  15000    10.1             4.4           2.0                    7.6
  $ 15001 -  20000     8.5             5.2           2.8                    8.0
  $ 20001 -  25000     8.3             6.5           4.2                    9.1
  $ 25001 -  30000     6.8             6.5           4.6                    8.7
  $ 30001 -  35000     6.6             7.4           5.6                    9.3
  $ 35001 -  40000     5.9             7.6           6.2                    8.5
  $ 40001 -  45000     5.5             8.1           6.8                    8.7
  $ 45001 -  50000     4.1             6.7           5.8                    6.7
  $ 50001 -  75000    11.4            23.6          24.7                   17.4
  $ 75001 - 100000     2.3             6.9           8.4                    4.3
  $100001 - 250000     1.8             8.7          15.6                    2.8
  OVER $250,000        0.3             4.6          12.1                    0.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-39,804             .                   2.36
  $     1  -  5000                  $2,582           $27                   0.35
  $  5001 -  10000                  $7,377          $240                   1.11
  $ 10001 -  15000                 $12,572          $556                   1.76
  $ 15001 -  20000                 $17,566          $954                   2.20
  $ 20001 -  25000                 $22,468        $1,449                   2.58
  $ 25001 -  30000                 $27,451        $1,911                   3.01
  $ 30001 -  35000                 $32,403        $2,415                   3.33
  $ 35001 -  40000                 $37,463        $3,036                   3.42
  $ 40001 -  45000                 $42,356        $3,517                   3.73
  $ 45001 -  50000                 $47,429        $4,072                   3.90
  $ 50001 -  75000                 $59,862        $6,199                   3.61
  $ 75001 - 100000                 $84,469       $10,288                   4.31
  $100001 - 250000                $141,245       $25,244                   3.73
  OVER $250,000                   $445,409      $115,388                   4.80

                    ______________________________________________________________
  TOTAL                            $28,906        $2,863                   2.36
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      HELPER UT
                        _________________________________________________
  UNDER $1              13        $-88,232          $285     -0.32           18
  $     1  -  5000     215        $540,434        $4,461      0.83          141
  $  5001 -  10000     175      $1,302,665       $25,667      1.97          240
  $ 10001 -  15000     176      $2,215,207       $92,870      4.19          313
  $ 15001 -  20000     161      $2,818,495      $152,445      5.41          352
  $ 20001 -  25000      98      $2,202,416      $160,109      7.27          214
  $ 25001 -  30000     103      $2,833,861      $221,226      7.81          276
  $ 30001 -  35000      78      $2,525,231      $230,457      9.13          204
  $ 35001 -  40000      69      $2,578,271      $241,191      9.35          209
  $ 40001 -  45000      71      $3,019,552      $312,722     10.36          202
  $ 45001 -  50000      71      $3,352,036      $343,980     10.26          241
  $ 50001 -  75000     245     $15,052,917    $1,846,396     12.27          841
  $ 75001 - 100000      58      $4,972,629      $797,664     16.04          184
  $100001 - 250000      14      $1,828,687      $370,711     20.27           49

                    ______________________________________________________________
  TOTAL               1547     $45,154,169    $4,800,184     10.63         3484
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.8            -0.2           0.0                    0.5
  $     1  -  5000    13.9             1.2           0.1                    4.0
  $  5001 -  10000    11.3             2.9           0.5                    6.9
  $ 10001 -  15000    11.4             4.9           1.9                    9.0
  $ 15001 -  20000    10.4             6.2           3.2                   10.1
  $ 20001 -  25000     6.3             4.9           3.3                    6.1
  $ 25001 -  30000     6.7             6.3           4.6                    7.9
  $ 30001 -  35000     5.0             5.6           4.8                    5.9
  $ 35001 -  40000     4.5             5.7           5.0                    6.0
  $ 40001 -  45000     4.6             6.7           6.5                    5.8
  $ 45001 -  50000     4.6             7.4           7.2                    6.9
  $ 50001 -  75000    15.8            33.3          38.5                   24.1
  $ 75001 - 100000     3.7            11.0          16.6                    5.3
  $100001 - 250000     0.9             4.0           7.7                    1.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-6,787           $22                   1.38
  $     1  -  5000                  $2,514           $21                   0.66
  $  5001 -  10000                  $7,444          $147                   1.37
  $ 10001 -  15000                 $12,586          $528                   1.78
  $ 15001 -  20000                 $17,506          $947                   2.19
  $ 20001 -  25000                 $22,474        $1,634                   2.18
  $ 25001 -  30000                 $27,513        $2,148                   2.68
  $ 30001 -  35000                 $32,375        $2,955                   2.62
  $ 35001 -  40000                 $37,366        $3,496                   3.03
  $ 40001 -  45000                 $42,529        $4,405                   2.85
  $ 45001 -  50000                 $47,212        $4,845                   3.39
  $ 50001 -  75000                 $61,440        $7,536                   3.43
  $ 75001 - 100000                 $85,735       $13,753                   3.17
  $100001 - 250000                $130,621       $26,479                   3.50

                    ______________________________________________________________
  TOTAL                            $29,188        $3,103                   2.25
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      HIGHLAND UT
                        _________________________________________________
  UNDER $1              13       $-461,077             .       .             39
  $     1  -  5000     428      $1,073,172       $12,879      1.20           57
  $  5001 -  10000     233      $1,670,632       $69,097      4.14          168
  $ 10001 -  15000     144      $1,777,678       $92,456      5.20          213
  $ 15001 -  20000      98      $1,706,170      $100,726      5.90          204
  $ 20001 -  25000      74      $1,670,121      $106,478      6.38          188
  $ 25001 -  30000      54      $1,495,408       $93,976      6.28          160
  $ 30001 -  35000      61      $1,994,392      $134,834      6.76          223
  $ 35001 -  40000      83      $3,083,117      $188,016      6.10          356
  $ 40001 -  45000      68      $2,904,231      $197,545      6.80          294
  $ 45001 -  50000      83      $3,934,935      $293,430      7.46          374
  $ 50001 -  75000     322     $19,506,603    $1,635,993      8.39         1533
  $ 75001 - 100000     155     $13,198,312    $1,519,719     11.51          742
  $100001 - 250000     129     $18,821,201    $3,095,838     16.45          700
  OVER $250,000         18      $8,244,856    $2,196,315     26.64           80

                    ______________________________________________________________
  TOTAL               1963     $80,619,751    $9,737,302     12.08         5331
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.6            .                     0.7
  $     1  -  5000    21.8             1.3           0.1                    1.1
  $  5001 -  10000    11.9             2.1           0.7                    3.2
  $ 10001 -  15000     7.3             2.2           0.9                    4.0
  $ 15001 -  20000     5.0             2.1           1.0                    3.8
  $ 20001 -  25000     3.8             2.1           1.1                    3.5
  $ 25001 -  30000     2.8             1.9           1.0                    3.0
  $ 30001 -  35000     3.1             2.5           1.4                    4.2
  $ 35001 -  40000     4.2             3.8           1.9                    6.7
  $ 40001 -  45000     3.5             3.6           2.0                    5.5
  $ 45001 -  50000     4.2             4.9           3.0                    7.0
  $ 50001 -  75000    16.4            24.2          16.8                   28.8
  $ 75001 - 100000     7.9            16.4          15.6                   13.9
  $100001 - 250000     6.6            23.3          31.8                   13.1
  OVER $250,000        0.9            10.2          22.6                    1.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-35,467             .                   3.00
  $     1  -  5000                  $2,507           $30                   0.13
  $  5001 -  10000                  $7,170          $297                   0.72
  $ 10001 -  15000                 $12,345          $642                   1.48
  $ 15001 -  20000                 $17,410        $1,028                   2.08
  $ 20001 -  25000                 $22,569        $1,439                   2.54
  $ 25001 -  30000                 $27,693        $1,740                   2.96
  $ 30001 -  35000                 $32,695        $2,210                   3.66
  $ 35001 -  40000                 $37,146        $2,265                   4.29
  $ 40001 -  45000                 $42,709        $2,905                   4.32
  $ 45001 -  50000                 $47,409        $3,535                   4.51
  $ 50001 -  75000                 $60,580        $5,081                   4.76
  $ 75001 - 100000                 $85,150        $9,805                   4.79
  $100001 - 250000                $145,901       $23,999                   5.43
  OVER $250,000                   $458,048      $122,018                   4.44

                    ______________________________________________________________
  TOTAL                            $41,070        $4,960                   2.72
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      HILL AFB UT
                        _________________________________________________
  UNDER $ 5,000        100        $244,636        $4,920      2.01           31
  $  5001 -  10000     236      $1,952,934       $72,212      3.70          249
  $ 10001 -  15000     473      $5,821,275      $342,458      5.88          677
  $ 15001 -  20000     369      $6,402,350      $288,082      4.50          993
  $ 20001 -  25000     228      $5,110,295      $229,963      4.50          829
  $ 25001 -  30000     171      $4,663,967      $282,333      6.05          621
  $ 30001 -  35000     112      $3,618,804      $259,640      7.17          424
  $ 35001 -  40000      81      $3,026,534      $242,439      8.01          318
  $ 40001 -  45000      66      $2,802,775      $249,082      8.89          254
  $ 45001 -  50000      39      $1,853,264      $177,197      9.56          144
  $ 50001 -  75000      65      $3,890,901      $451,416     11.60          248
  OVER $ 75,000         14      $1,448,239      $274,763     18.97           47

                    ______________________________________________________________
  TOTAL               1954     $40,835,974    $2,874,505      7.04         4835
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        5.1             0.6           0.2                    0.6
  $  5001 -  10000    12.1             4.8           2.5                    5.1
  $ 10001 -  15000    24.2            14.3          11.9                   14.0
  $ 15001 -  20000    18.9            15.7          10.0                   20.5
  $ 20001 -  25000    11.7            12.5           8.0                   17.1
  $ 25001 -  30000     8.8            11.4           9.8                   12.8
  $ 30001 -  35000     5.7             8.9           9.0                    8.8
  $ 35001 -  40000     4.1             7.4           8.4                    6.6
  $