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 
EPHRAIM UT 
FARMINGTON UT 
FRUIT HEIGHTS UT 
GARLAND UT 
GRANTSVILLE UT 
HEBER CITY UT 
HEBER UT 
HELPER UT 
HIGHLAND UT 
HILL AFB UT 
HOLLADAY UT 
HOOPER UT 
HUNTINGTON UT 
HURRICANE UT 
HYDE PARK UT 
HYRUM UT 
KAMAS UT 
KANAB UT 
KAYSVILLE UT 
KEARNS UT 
LAYTON UT 
LEHI UT 
LINDON UT 
LOGAN UT 
MAGNA UT 
MAPLETON UT 
MIDVALE UT 
MIDWAY UT 
MOAB UT 
MORGAN UT 
MURRAY UT 
N LOGAN UT 
N OGDEN UT 
N SALT LAKE UT 
NEPHI UT 
OGDEN UT 
OREM UT 
OTHER TOWNS 
PARK CITY UT 
PAROWAN UT 
PAYSON UT 
PLEASANT GROVE UT 
PRICE UT 
PROVIDENCE UT 
PROVO UT 
RICHFIELD UT 
RIVERDALE UT 
RIVERTON UT 
ROOSEVELT UT 
ROY UT 
S JORDAN UT 
S OGDEN UT 
SALEM UT 
SALT LAKE CITY UT 
SANDY UT 
SANTA CLARA UT 
SANTAQUIN UT 
SLC UT 
SMITHFIELD UT 
SOUTH JORDAN UT 
SPANISH FORK UT 
SPRINGVILLE UT 
ST GEORGE UT 
SUNSET UT 
SYRACUSE UT 
TAYLORSVILLE UT 
TOOELE UT 
TREMONTON UT 
VERNAL UT 
W BOUNTIFUL UT 
W JORDAN UT 
W POINT UT 
W VALLEY CITY UT 
WASHINGTON UT 
WELLSVILLE UT 
WENDOVER UT 
WEST JORDAN UT 
WEST VALLEY CITY UT 
WEST VALLEY UT 
WILLARD UT 
WOODS CROSS UT 



****************************SUMMARY OF 1995 HOUSEHOLD INCOME***************************
*                              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              16       $-807,425        $1,804     -0.22           58
  $     1  -  5000      68        $165,719        $1,098      0.66           38
  $  5001 -  10000      64        $483,754       $11,549      2.39           80
  $ 10001 -  15000      61        $763,044       $22,112      2.90          131
  $ 15001 -  20000      59      $1,043,254       $42,911      4.11          156
  $ 20001 -  25000      52      $1,167,646       $55,209      4.73          169
  $ 25001 -  30000      53      $1,457,161       $88,302      6.06          184
  $ 30001 -  35000      46      $1,507,796       $83,394      5.53          181
  $ 35001 -  40000      68      $2,566,747      $161,623      6.30          288
  $ 40001 -  45000      73      $3,104,796      $232,728      7.50          304
  $ 45001 -  50000      53      $2,507,015      $189,438      7.56          224
  $ 50001 -  75000     273     $16,664,474    $1,327,685      7.97         1294
  $ 75001 - 100000     153     $13,376,540    $1,383,669     10.34          784
  $100001 - 250000     176     $25,117,803    $3,750,518     14.93          907
  OVER $250,000         39     $23,418,931    $6,646,300     28.38          217

                    ______________________________________________________________
  TOTAL               1254     $92,537,255   $13,998,340     15.13         5015
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.3            -0.9           0.0                    1.2
  $     1  -  5000     5.4             0.2           0.0                    0.8
  $  5001 -  10000     5.1             0.5           0.1                    1.6
  $ 10001 -  15000     4.9             0.8           0.2                    2.6
  $ 15001 -  20000     4.7             1.1           0.3                    3.1
  $ 20001 -  25000     4.1             1.3           0.4                    3.4
  $ 25001 -  30000     4.2             1.6           0.6                    3.7
  $ 30001 -  35000     3.7             1.6           0.6                    3.6
  $ 35001 -  40000     5.4             2.8           1.2                    5.7
  $ 40001 -  45000     5.8             3.4           1.7                    6.1
  $ 45001 -  50000     4.2             2.7           1.4                    4.5
  $ 50001 -  75000    21.8            18.0           9.5                   25.8
  $ 75001 - 100000    12.2            14.5           9.9                   15.6
  $100001 - 250000    14.0            27.1          26.8                   18.1
  OVER $250,000        3.1            25.3          47.5                    4.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-50,464          $113                   3.63
  $     1  -  5000                  $2,437           $16                   0.56
  $  5001 -  10000                  $7,559          $180                   1.25
  $ 10001 -  15000                 $12,509          $362                   2.15
  $ 15001 -  20000                 $17,682          $727                   2.64
  $ 20001 -  25000                 $22,455        $1,062                   3.25
  $ 25001 -  30000                 $27,494        $1,666                   3.47
  $ 30001 -  35000                 $32,778        $1,813                   3.93
  $ 35001 -  40000                 $37,746        $2,377                   4.24
  $ 40001 -  45000                 $42,531        $3,188                   4.16
  $ 45001 -  50000                 $47,302        $3,574                   4.23
  $ 50001 -  75000                 $61,042        $4,863                   4.74
  $ 75001 - 100000                 $87,428        $9,044                   5.12
  $100001 - 250000                $142,715       $21,310                   5.15
  OVER $250,000                   $600,485      $170,418                   5.56

                    ______________________________________________________________
  TOTAL                            $73,794       $11,163                   4.00
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 HOUSEHOLD INCOME***************************
*                              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              32     $-1,335,901        $4,516     -0.34           96
  $     1  -  5000     240        $685,143        $5,205      0.76          257
  $  5001 -  10000     346      $2,652,585       $46,419      1.75          581
  $ 10001 -  15000     436      $5,504,936      $172,706      3.14          927
  $ 15001 -  20000     431      $7,625,689      $363,899      4.77         1048
  $ 20001 -  25000     442      $9,929,361      $560,254      5.64         1276
  $ 25001 -  30000     386     $10,620,225      $678,825      6.39         1210
  $ 30001 -  35000     401     $13,010,896      $933,178      7.17         1362
  $ 35001 -  40000     418     $15,722,682    $1,126,950      7.17         1650
  $ 40001 -  45000     389     $16,500,013    $1,339,398      8.12         1555
  $ 45001 -  50000     339     $16,063,515    $1,291,252      8.04         1387
  $ 50001 -  75000    1071     $64,652,382    $5,880,555      9.10         4767
  $ 75001 - 100000     350     $29,928,740    $3,379,918     11.29         1687
  $100001 - 250000     219     $29,664,963    $4,615,270     15.56         1139
  OVER $250,000         28     $14,617,485    $4,067,511     27.83          129

                    ______________________________________________________________
  TOTAL               5528    $235,842,714   $24,465,856     10.37        19071
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.6           0.0                    0.5
  $     1  -  5000     4.3             0.3           0.0                    1.3
  $  5001 -  10000     6.3             1.1           0.2                    3.0
  $ 10001 -  15000     7.9             2.3           0.7                    4.9
  $ 15001 -  20000     7.8             3.2           1.5                    5.5
  $ 20001 -  25000     8.0             4.2           2.3                    6.7
  $ 25001 -  30000     7.0             4.5           2.8                    6.3
  $ 30001 -  35000     7.3             5.5           3.8                    7.1
  $ 35001 -  40000     7.6             6.7           4.6                    8.7
  $ 40001 -  45000     7.0             7.0           5.5                    8.2
  $ 45001 -  50000     6.1             6.8           5.3                    7.3
  $ 50001 -  75000    19.4            27.4          24.0                   25.0
  $ 75001 - 100000     6.3            12.7          13.8                    8.8
  $100001 - 250000     4.0            12.6          18.9                    6.0
  OVER $250,000        0.5             6.2          16.6                    0.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-41,747          $141                   3.00
  $     1  -  5000                  $2,855           $22                   1.07
  $  5001 -  10000                  $7,666          $134                   1.68
  $ 10001 -  15000                 $12,626          $396                   2.13
  $ 15001 -  20000                 $17,693          $844                   2.43
  $ 20001 -  25000                 $22,465        $1,268                   2.89
  $ 25001 -  30000                 $27,514        $1,759                   3.13
  $ 30001 -  35000                 $32,446        $2,327                   3.40
  $ 35001 -  40000                 $37,614        $2,696                   3.95
  $ 40001 -  45000                 $42,416        $3,443                   4.00
  $ 45001 -  50000                 $47,385        $3,809                   4.09
  $ 50001 -  75000                 $60,366        $5,491                   4.45
  $ 75001 - 100000                 $85,511        $9,657                   4.82
  $100001 - 250000                $135,456       $21,074                   5.20
  OVER $250,000                   $522,053      $145,268                   4.61

                    ______________________________________________________________
  TOTAL                            $42,663        $4,426                   3.45
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 HOUSEHOLD INCOME***************************
*                              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              34     $-1,849,000        $3,897     -0.21          111
  $     1  -  5000     104        $289,985          $412      0.14          119
  $  5001 -  10000     124        $942,279       $12,981      1.38          208
  $ 10001 -  15000     125      $1,572,224       $45,287      2.88          298
  $ 15001 -  20000     118      $2,077,905       $89,949      4.33          313
  $ 20001 -  25000      86      $1,912,319      $104,807      5.48          247
  $ 25001 -  30000      80      $2,181,536      $139,484      6.39          253
  $ 30001 -  35000      63      $2,028,206      $139,400      6.87          241
  $ 35001 -  40000      57      $2,126,887      $154,909      7.28          237
  $ 40001 -  45000      48      $2,018,457      $162,938      8.07          188
  $ 45001 -  50000      25      $1,174,588      $108,978      9.28           81
  $ 50001 -  75000     116      $6,868,803      $672,993      9.80          479
  $ 75001 - 250000      26      $2,853,598      $427,922     15.00          104

                    ______________________________________________________________
  TOTAL               1006     $24,197,787    $2,063,957      8.53         2879
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             3.4            -7.6           0.2                    3.9
  $     1  -  5000    10.3             1.2           0.0                    4.1
  $  5001 -  10000    12.3             3.9           0.6                    7.2
  $ 10001 -  15000    12.4             6.5           2.2                   10.4
  $ 15001 -  20000    11.7             8.6           4.4                   10.9
  $ 20001 -  25000     8.5             7.9           5.1                    8.6
  $ 25001 -  30000     8.0             9.0           6.8                    8.8
  $ 30001 -  35000     6.3             8.4           6.8                    8.4
  $ 35001 -  40000     5.7             8.8           7.5                    8.2
  $ 40001 -  45000     4.8             8.3           7.9                    6.5
  $ 45001 -  50000     2.5             4.9           5.3                    2.8
  $ 50001 -  75000    11.5            28.4          32.6                   16.6
  $ 75001 - 250000     2.6            11.8          20.7                    3.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-54,382          $115                   3.26
  $     1  -  5000                  $2,788            $4                   1.14
  $  5001 -  10000                  $7,599          $105                   1.68
  $ 10001 -  15000                 $12,578          $362                   2.38
  $ 15001 -  20000                 $17,609          $762                   2.65
  $ 20001 -  25000                 $22,236        $1,219                   2.87
  $ 25001 -  30000                 $27,269        $1,744                   3.16
  $ 30001 -  35000                 $32,194        $2,213                   3.83
  $ 35001 -  40000                 $37,314        $2,718                   4.16
  $ 40001 -  45000                 $42,051        $3,395                   3.92
  $ 45001 -  50000                 $46,984        $4,359                   3.24
  $ 50001 -  75000                 $59,214        $5,802                   4.13
  $ 75001 - 250000                $109,754       $16,459                   4.00

                    ______________________________________________________________
  TOTAL                            $24,053        $2,052                   2.86
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 HOUSEHOLD INCOME***************************
*                              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         72         $99,386        $1,576      1.59           83
  $  5001 -  10000      93        $713,105       $17,057      2.39          152
  $ 10001 -  15000      90      $1,137,365       $38,525      3.39          203
  $ 15001 -  20000      94      $1,648,376       $83,215      5.05          235
  $ 20001 -  25000      95      $2,121,710      $117,982      5.56          266
  $ 25001 -  30000     103      $2,836,951      $166,229      5.86          340
  $ 30001 -  35000     131      $4,269,159      $291,216      6.82          459
  $ 35001 -  40000     119      $4,465,307      $344,244      7.71          417
  $ 40001 -  45000     140      $5,951,182      $487,298      8.19          522
  $ 45001 -  50000     130      $6,172,138      $532,388      8.63          497
  $ 50001 -  75000     359     $21,722,068    $2,043,836      9.41         1499
  $ 75001 - 100000     121     $10,308,023    $1,184,135     11.49          560
  OVER $100,000         51      $7,408,548    $1,226,668     16.56          255

                    ______________________________________________________________
  TOTAL               1598     $68,853,318    $6,534,369      9.49         5488
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        4.5             0.1           0.0                    1.5
  $  5001 -  10000     5.8             1.0           0.3                    2.8
  $ 10001 -  15000     5.6             1.7           0.6                    3.7
  $ 15001 -  20000     5.9             2.4           1.3                    4.3
  $ 20001 -  25000     5.9             3.1           1.8                    4.8
  $ 25001 -  30000     6.4             4.1           2.5                    6.2
  $ 30001 -  35000     8.2             6.2           4.5                    8.4
  $ 35001 -  40000     7.4             6.5           5.3                    7.6
  $ 40001 -  45000     8.8             8.6           7.5                    9.5
  $ 45001 -  50000     8.1             9.0           8.1                    9.1
  $ 50001 -  75000    22.5            31.5          31.3                   27.3
  $ 75001 - 100000     7.6            15.0          18.1                   10.2
  OVER $100,000        3.2            10.8          18.8                    4.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,380           $22                   1.15
  $  5001 -  10000                  $7,668          $183                   1.63
  $ 10001 -  15000                 $12,637          $428                   2.26
  $ 15001 -  20000                 $17,536          $885                   2.50
  $ 20001 -  25000                 $22,334        $1,242                   2.80
  $ 25001 -  30000                 $27,543        $1,614                   3.30
  $ 30001 -  35000                 $32,589        $2,223                   3.50
  $ 35001 -  40000                 $37,524        $2,893                   3.50
  $ 40001 -  45000                 $42,508        $3,481                   3.73
  $ 45001 -  50000                 $47,478        $4,095                   3.82
  $ 50001 -  75000                 $60,507        $5,693                   4.18
  $ 75001 - 100000                 $85,190        $9,786                   4.63
  OVER $100,000                   $145,266       $24,052                   5.00

                    ______________________________________________________________
  TOTAL                            $43,087        $4,089                   3.43
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 HOUSEHOLD INCOME***************************
*                              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              16       $-466,679        $1,131     -0.24           47
  $     1  -  5000     125        $309,575          $337      0.11          167
  $  5001 -  10000     107        $789,385        $5,208      0.66          226
  $ 10001 -  15000     103      $1,277,667       $22,791      1.78          305
  $ 15001 -  20000      96      $1,684,572       $57,234      3.40          295
  $ 20001 -  25000      81      $1,828,814       $67,641      3.70          348
  $ 25001 -  30000      74      $2,027,865      $111,405      5.49          297
  $ 30001 -  35000      65      $2,108,888      $143,798      6.82          247
  $ 35001 -  40000      52      $1,947,136      $142,556      7.32          214
  $ 40001 -  45000      40      $1,703,015      $119,935      7.04          195
  $ 45001 -  50000      49      $2,320,921      $197,349      8.50          208
  $ 50001 -  75000     140      $8,360,182      $773,615      9.25          635
  $ 75001 - 100000      33      $2,811,928      $327,789     11.66          161
  OVER $100,000         20      $3,941,518      $927,866     23.54          104

                    ______________________________________________________________
  TOTAL               1001     $30,644,787    $2,898,655      9.46         3449
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.6            -1.5           0.0                    1.4
  $     1  -  5000    12.5             1.0           0.0                    4.8
  $  5001 -  10000    10.7             2.6           0.2                    6.6
  $ 10001 -  15000    10.3             4.2           0.8                    8.8
  $ 15001 -  20000     9.6             5.5           2.0                    8.6
  $ 20001 -  25000     8.1             6.0           2.3                   10.1
  $ 25001 -  30000     7.4             6.6           3.8                    8.6
  $ 30001 -  35000     6.5             6.9           5.0                    7.2
  $ 35001 -  40000     5.2             6.4           4.9                    6.2
  $ 40001 -  45000     4.0             5.6           4.1                    5.7
  $ 45001 -  50000     4.9             7.6           6.8                    6.0
  $ 50001 -  75000    14.0            27.3          26.7                   18.4
  $ 75001 - 100000     3.3             9.2          11.3                    4.7
  OVER $100,000        2.0            12.9          32.0                    3.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-29,167           $71                   2.94
  $     1  -  5000                  $2,477            $3                   1.34
  $  5001 -  10000                  $7,377           $49                   2.11
  $ 10001 -  15000                 $12,405          $221                   2.96
  $ 15001 -  20000                 $17,548          $596                   3.07
  $ 20001 -  25000                 $22,578          $835                   4.30
  $ 25001 -  30000                 $27,404        $1,505                   4.01
  $ 30001 -  35000                 $32,444        $2,212                   3.80
  $ 35001 -  40000                 $37,445        $2,741                   4.12
  $ 40001 -  45000                 $42,575        $2,998                   4.88
  $ 45001 -  50000                 $47,366        $4,028                   4.24
  $ 50001 -  75000                 $59,716        $5,526                   4.54
  $ 75001 - 100000                 $85,210        $9,933                   4.88
  OVER $100,000                   $197,076       $46,393                   5.20

                    ______________________________________________________________
  TOTAL                            $30,614        $2,896                   3.45
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 HOUSEHOLD INCOME***************************
*                              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         51        $-19,080        $1,750     -9.17           63
  $  5001 -  10000      51        $399,701        $9,034      2.26           75
  $ 10001 -  15000      48        $597,573       $16,617      2.78          107
  $ 15001 -  20000      49        $861,644       $45,864      5.32          114
  $ 20001 -  25000      33        $741,985       $29,789      4.01          106
  $ 25001 -  30000      39      $1,067,163       $58,631      5.49          135
  $ 30001 -  35000      38      $1,232,316       $85,184      6.91          123
  $ 35001 -  40000      56      $2,116,264      $134,606      6.36          258
  $ 40001 -  45000      64      $2,708,647      $208,278      7.69          264
  $ 45001 -  50000      52      $2,489,639      $194,039      7.79          204
  $ 50001 -  75000     193     $11,695,791    $1,028,969      8.80          913
  $ 75001 - 100000     100      $8,485,062      $931,034     10.97          505
  OVER $100,000         47      $7,265,807    $1,312,648     18.07          256

                    ______________________________________________________________
  TOTAL                821     $39,642,512    $4,056,443     10.23         3123
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        6.2            -0.0           0.0                    2.0
  $  5001 -  10000     6.2             1.0           0.2                    2.4
  $ 10001 -  15000     5.8             1.5           0.4                    3.4
  $ 15001 -  20000     6.0             2.2           1.1                    3.7
  $ 20001 -  25000     4.0             1.9           0.7                    3.4
  $ 25001 -  30000     4.8             2.7           1.4                    4.3
  $ 30001 -  35000     4.6             3.1           2.1                    3.9
  $ 35001 -  40000     6.8             5.3           3.3                    8.3
  $ 40001 -  45000     7.8             6.8           5.1                    8.5
  $ 45001 -  50000     6.3             6.3           4.8                    6.5
  $ 50001 -  75000    23.5            29.5          25.4                   29.2
  $ 75001 - 100000    12.2            21.4          23.0                   16.2
  OVER $100,000        5.7            18.3          32.4                    8.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                      $-374           $34                   1.24
  $  5001 -  10000                  $7,837          $177                   1.47
  $ 10001 -  15000                 $12,449          $346                   2.23
  $ 15001 -  20000                 $17,585          $936                   2.33
  $ 20001 -  25000                 $22,484          $903                   3.21
  $ 25001 -  30000                 $27,363        $1,503                   3.46
  $ 30001 -  35000                 $32,429        $2,242                   3.24
  $ 35001 -  40000                 $37,790        $2,404                   4.61
  $ 40001 -  45000                 $42,323        $3,254                   4.13
  $ 45001 -  50000                 $47,878        $3,732                   3.92
  $ 50001 -  75000                 $60,600        $5,331                   4.73
  $ 75001 - 100000                 $84,851        $9,310                   5.05
  OVER $100,000                   $154,592       $27,929                   5.45

                    ______________________________________________________________
  TOTAL                            $48,286        $4,941                   3.80
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 HOUSEHOLD INCOME***************************
*                              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              82     $-6,913,508        $6,400     -0.09          192
  $     1  -  5000     613      $1,667,689       $18,688      1.12          637
  $  5001 -  10000     850      $6,477,174      $126,946      1.96         1201
  $ 10001 -  15000    1002     $12,640,755      $481,901      3.81         1824
  $ 15001 -  20000    1011     $17,708,267      $950,851      5.37         2057
  $ 20001 -  25000    1022     $22,900,122    $1,493,389      6.52         2359
  $ 25001 -  30000     977     $26,798,916    $1,990,590      7.43         2417
  $ 30001 -  35000     905     $29,409,505    $2,326,423      7.91         2540
  $ 35001 -  40000     873     $32,613,041    $2,762,206      8.47         2648
  $ 40001 -  45000     747     $31,725,356    $2,747,468      8.66         2439
  $ 45001 -  50000     673     $31,924,621    $2,847,381      8.92         2308
  $ 50001 -  75000    2555    $156,997,138   $15,757,633     10.04         9395
  $ 75001 - 100000    1284    $110,136,780   $13,249,615     12.03         5353
  $100001 - 250000    1157    $162,151,175   $26,583,282     16.39         5125
  OVER $250,000        206     $98,382,286   $26,753,077     27.19          875

                    ______________________________________________________________
  TOTAL              13957    $734,619,317   $98,095,850     13.35        41370
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.9           0.0                    0.5
  $     1  -  5000     4.4             0.2           0.0                    1.5
  $  5001 -  10000     6.1             0.9           0.1                    2.9
  $ 10001 -  15000     7.2             1.7           0.5                    4.4
  $ 15001 -  20000     7.2             2.4           1.0                    5.0
  $ 20001 -  25000     7.3             3.1           1.5                    5.7
  $ 25001 -  30000     7.0             3.6           2.0                    5.8
  $ 30001 -  35000     6.5             4.0           2.4                    6.1
  $ 35001 -  40000     6.3             4.4           2.8                    6.4
  $ 40001 -  45000     5.4             4.3           2.8                    5.9
  $ 45001 -  50000     4.8             4.3           2.9                    5.6
  $ 50001 -  75000    18.3            21.4          16.1                   22.7
  $ 75001 - 100000     9.2            15.0          13.5                   12.9
  $100001 - 250000     8.3            22.1          27.1                   12.4
  OVER $250,000        1.5            13.4          27.3                    2.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-84,311           $78                   2.34
  $     1  -  5000                  $2,721           $30                   1.04
  $  5001 -  10000                  $7,620          $149                   1.41
  $ 10001 -  15000                 $12,616          $481                   1.82
  $ 15001 -  20000                 $17,516          $941                   2.03
  $ 20001 -  25000                 $22,407        $1,461                   2.31
  $ 25001 -  30000                 $27,430        $2,037                   2.47
  $ 30001 -  35000                 $32,497        $2,571                   2.81
  $ 35001 -  40000                 $37,357        $3,164                   3.03
  $ 40001 -  45000                 $42,470        $3,678                   3.27
  $ 45001 -  50000                 $47,436        $4,231                   3.43
  $ 50001 -  75000                 $61,447        $6,167                   3.68
  $ 75001 - 100000                 $85,776       $10,319                   4.17
  $100001 - 250000                $140,148       $22,976                   4.43
  OVER $250,000                   $477,584      $129,869                   4.25

                    ______________________________________________________________
  TOTAL                            $52,634        $7,028                   2.96
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 HOUSEHOLD INCOME***************************
*                              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              27       $-541,162        $2,108     -0.39           76
  $     1  -  5000     248        $668,674        $2,150      0.32          293
  $  5001 -  10000     331      $2,517,851       $39,264      1.56          546
  $ 10001 -  15000     417      $5,235,207      $184,478      3.52          818
  $ 15001 -  20000     425      $7,467,943      $383,230      5.13          970
  $ 20001 -  25000     447     $10,068,714      $639,399      6.35         1154
  $ 25001 -  30000     357      $9,805,080      $697,284      7.11         1023
  $ 30001 -  35000     364     $11,799,149      $928,587      7.87         1157
  $ 35001 -  40000     334     $12,524,901    $1,062,443      8.48         1145
  $ 40001 -  45000     310     $13,175,154    $1,129,735      8.57         1150
  $ 45001 -  50000     329     $15,599,361    $1,414,421      9.07         1248
  $ 50001 -  75000    1028     $62,707,876    $6,389,486     10.19         4285
  $ 75001 - 100000     323     $27,402,797    $3,404,088     12.42         1397
  $100001 - 250000     168     $22,619,148    $3,891,674     17.21          717
  OVER $250,000         23     $10,775,274    $3,231,709     29.99           98

                    ______________________________________________________________
  TOTAL               5131    $211,825,967   $23,400,056     11.05        16077
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.3           0.0                    0.5
  $     1  -  5000     4.8             0.3           0.0                    1.8
  $  5001 -  10000     6.5             1.2           0.2                    3.4
  $ 10001 -  15000     8.1             2.5           0.8                    5.1
  $ 15001 -  20000     8.3             3.5           1.6                    6.0
  $ 20001 -  25000     8.7             4.8           2.7                    7.2
  $ 25001 -  30000     7.0             4.6           3.0                    6.4
  $ 30001 -  35000     7.1             5.6           4.0                    7.2
  $ 35001 -  40000     6.5             5.9           4.5                    7.1
  $ 40001 -  45000     6.0             6.2           4.8                    7.2
  $ 45001 -  50000     6.4             7.4           6.0                    7.8
  $ 50001 -  75000    20.0            29.6          27.3                   26.7
  $ 75001 - 100000     6.3            12.9          14.5                    8.7
  $100001 - 250000     3.3            10.7          16.6                    4.5
  OVER $250,000        0.4             5.1          13.8                    0.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-20,043           $78                   2.81
  $     1  -  5000                  $2,696            $9                   1.18
  $  5001 -  10000                  $7,607          $119                   1.65
  $ 10001 -  15000                 $12,554          $442                   1.96
  $ 15001 -  20000                 $17,572          $902                   2.28
  $ 20001 -  25000                 $22,525        $1,430                   2.58
  $ 25001 -  30000                 $27,465        $1,953                   2.87
  $ 30001 -  35000                 $32,415        $2,551                   3.18
  $ 35001 -  40000                 $37,500        $3,181                   3.43
  $ 40001 -  45000                 $42,500        $3,644                   3.71
  $ 45001 -  50000                 $47,414        $4,299                   3.79
  $ 50001 -  75000                 $61,000        $6,215                   4.17
  $ 75001 - 100000                 $84,838       $10,539                   4.33
  $100001 - 250000                $134,638       $23,165                   4.27
  OVER $250,000                   $468,490      $140,509                   4.26

                    ______________________________________________________________
  TOTAL                            $41,284        $4,561                   3.13
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 HOUSEHOLD INCOME***************************
*                              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              45       $-987,437        $6,158     -0.62          125
  $     1  -  5000     616      $1,760,226        $5,681      0.32          702
  $  5001 -  10000     767      $5,779,662       $92,557      1.60         1389
  $ 10001 -  15000     820     $10,225,649      $297,249      2.91         1860
  $ 15001 -  20000     676     $11,756,007      $533,723      4.54         1722
  $ 20001 -  25000     604     $13,564,662      $802,741      5.92         1672
  $ 25001 -  30000     441     $12,061,509      $822,502      6.82         1366
  $ 30001 -  35000     390     $12,626,934      $966,232      7.65         1311
  $ 35001 -  40000     389     $14,578,857    $1,199,859      8.23         1309
  $ 40001 -  45000     305     $12,959,060    $1,097,166      8.47         1125
  $ 45001 -  50000     292     $13,839,928    $1,244,323      8.99         1089
  $ 50001 -  75000     818     $49,526,900    $4,867,300      9.83         3267
  $ 75001 - 100000     263     $22,199,383    $2,680,181     12.07         1109
  $100001 - 250000     150     $19,463,289    $3,249,986     16.70          644
  OVER $250,000         16      $5,759,858    $1,517,689     26.35           61

                    ______________________________________________________________
  TOTAL               6592    $205,114,487   $19,383,347      9.45        18751
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.5           0.0                    0.7
  $     1  -  5000     9.3             0.9           0.0                    3.7
  $  5001 -  10000    11.6             2.8           0.5                    7.4
  $ 10001 -  15000    12.4             5.0           1.5                    9.9
  $ 15001 -  20000    10.3             5.7           2.8                    9.2
  $ 20001 -  25000     9.2             6.6           4.1                    8.9
  $ 25001 -  30000     6.7             5.9           4.2                    7.3
  $ 30001 -  35000     5.9             6.2           5.0                    7.0
  $ 35001 -  40000     5.9             7.1           6.2                    7.0
  $ 40001 -  45000     4.6             6.3           5.7                    6.0
  $ 45001 -  50000     4.4             6.7           6.4                    5.8
  $ 50001 -  75000    12.4            24.1          25.1                   17.4
  $ 75001 - 100000     4.0            10.8          13.8                    5.9
  $100001 - 250000     2.3             9.5          16.8                    3.4
  OVER $250,000        0.2             2.8           7.8                    0.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-21,943          $137                   2.78
  $     1  -  5000                  $2,858            $9                   1.14
  $  5001 -  10000                  $7,535          $121                   1.81
  $ 10001 -  15000                 $12,470          $362                   2.27
  $ 15001 -  20000                 $17,391          $790                   2.55
  $ 20001 -  25000                 $22,458        $1,329                   2.77
  $ 25001 -  30000                 $27,350        $1,865                   3.10
  $ 30001 -  35000                 $32,377        $2,478                   3.36
  $ 35001 -  40000                 $37,478        $3,084                   3.37
  $ 40001 -  45000                 $42,489        $3,597                   3.69
  $ 45001 -  50000                 $47,397        $4,261                   3.73
  $ 50001 -  75000                 $60,546        $5,950                   3.99
  $ 75001 - 100000                 $84,408       $10,191                   4.22
  $100001 - 250000                $129,755       $21,667                   4.29
  OVER $250,000                   $359,991       $94,856                   3.81

                    ______________________________________________________________
  TOTAL                            $31,116        $2,940                   2.84
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 HOUSEHOLD INCOME***************************
*                              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       $-415,164        $1,556     -0.37           88
  $     1  -  5000     157        $406,136        $2,183      0.54          129
  $  5001 -  10000     200      $1,491,414       $33,011      2.21          258
  $ 10001 -  15000     207      $2,575,675      $100,931      3.92          361
  $ 15001 -  20000     227      $3,976,545      $211,625      5.32          484
  $ 20001 -  25000     236      $5,319,874      $353,839      6.65          531
  $ 25001 -  30000     236      $6,515,100      $444,407      6.82          653
  $ 30001 -  35000     210      $6,813,731      $525,831      7.72          578
  $ 35001 -  40000     224      $8,370,472      $660,493      7.89          731
  $ 40001 -  45000     243     $10,355,340      $875,973      8.46          821
  $ 45001 -  50000     213     $10,082,511      $818,702      8.12          849
  $ 50001 -  75000    1037     $63,924,561    $5,909,935      9.25         4341
  $ 75001 - 100000     539     $46,224,404    $5,213,969     11.28         2478
  $100001 - 250000     377     $50,890,479    $7,929,377     15.58         1975
  OVER $250,000         37     $13,809,194    $3,736,601     27.06          186

                    ______________________________________________________________
  TOTAL               4169    $230,340,272   $26,818,433     11.64        14463
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.2           0.0                    0.6
  $     1  -  5000     3.8             0.2           0.0                    0.9
  $  5001 -  10000     4.8             0.6           0.1                    1.8
  $ 10001 -  15000     5.0             1.1           0.4                    2.5
  $ 15001 -  20000     5.4             1.7           0.8                    3.3
  $ 20001 -  25000     5.7             2.3           1.3                    3.7
  $ 25001 -  30000     5.7             2.8           1.7                    4.5
  $ 30001 -  35000     5.0             3.0           2.0                    4.0
  $ 35001 -  40000     5.4             3.6           2.5                    5.1
  $ 40001 -  45000     5.8             4.5           3.3                    5.7
  $ 45001 -  50000     5.1             4.4           3.1                    5.9
  $ 50001 -  75000    24.9            27.8          22.0                   30.0
  $ 75001 - 100000    12.9            20.1          19.4                   17.1
  $100001 - 250000     9.0            22.1          29.6                   13.7
  OVER $250,000        0.9             6.0          13.9                    1.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-15,968           $60                   3.38
  $     1  -  5000                  $2,587           $14                   0.82
  $  5001 -  10000                  $7,457          $165                   1.29
  $ 10001 -  15000                 $12,443          $488                   1.74
  $ 15001 -  20000                 $17,518          $932                   2.13
  $ 20001 -  25000                 $22,542        $1,499                   2.25
  $ 25001 -  30000                 $27,606        $1,883                   2.77
  $ 30001 -  35000                 $32,446        $2,504                   2.75
  $ 35001 -  40000                 $37,368        $2,949                   3.26
  $ 40001 -  45000                 $42,615        $3,605                   3.38
  $ 45001 -  50000                 $47,336        $3,844                   3.99
  $ 50001 -  75000                 $61,644        $5,699                   4.19
  $ 75001 - 100000                 $85,760        $9,673                   4.60
  $100001 - 250000                $134,988       $21,033                   5.24
  OVER $250,000                   $373,221      $100,989                   5.03

                    ______________________________________________________________
  TOTAL                            $55,251        $6,433                   3.47
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 HOUSEHOLD INCOME***************************
*                              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              18       $-449,620            $0      0.00           31
  $     1  -  5000     451      $1,224,517        $2,382      0.19          583
  $  5001 -  10000     485      $3,774,696       $62,770      1.66          861
  $ 10001 -  15000     590      $7,383,379      $266,080      3.60         1183
  $ 15001 -  20000     618     $10,864,995      $573,405      5.28         1400
  $ 20001 -  25000     683     $15,312,241      $981,957      6.41         1785
  $ 25001 -  30000     599     $16,433,949    $1,225,840      7.46         1631
  $ 30001 -  35000     582     $18,865,515    $1,535,475      8.14         1731
  $ 35001 -  40000     501     $18,739,879    $1,675,722      8.94         1577
  $ 40001 -  45000     446     $18,893,658    $1,742,506      9.22         1460
  $ 45001 -  50000     345     $16,346,243    $1,504,660      9.20         1254
  $ 50001 -  75000     963     $58,038,976    $6,033,026     10.39         3726
  $ 75001 - 100000     243     $20,478,915    $2,468,157     12.05         1057
  OVER $100,000         76     $10,426,396    $1,860,886     17.85          347

                    ______________________________________________________________
  TOTAL               6600    $216,333,739   $19,932,866      9.21        18626
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.3            -0.2           0.0                    0.2
  $     1  -  5000     6.8             0.6           0.0                    3.1
  $  5001 -  10000     7.3             1.7           0.3                    4.6
  $ 10001 -  15000     8.9             3.4           1.3                    6.4
  $ 15001 -  20000     9.4             5.0           2.9                    7.5
  $ 20001 -  25000    10.3             7.1           4.9                    9.6
  $ 25001 -  30000     9.1             7.6           6.1                    8.8
  $ 30001 -  35000     8.8             8.7           7.7                    9.3
  $ 35001 -  40000     7.6             8.7           8.4                    8.5
  $ 40001 -  45000     6.8             8.7           8.7                    7.8
  $ 45001 -  50000     5.2             7.6           7.5                    6.7
  $ 50001 -  75000    14.6            26.8          30.3                   20.0
  $ 75001 - 100000     3.7             9.5          12.4                    5.7
  OVER $100,000        1.2             4.8           9.3                    1.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-24,979            $0                   1.72
  $     1  -  5000                  $2,715            $5                   1.29
  $  5001 -  10000                  $7,783          $129                   1.78
  $ 10001 -  15000                 $12,514          $451                   2.01
  $ 15001 -  20000                 $17,581          $928                   2.27
  $ 20001 -  25000                 $22,419        $1,438                   2.61
  $ 25001 -  30000                 $27,436        $2,046                   2.72
  $ 30001 -  35000                 $32,415        $2,638                   2.97
  $ 35001 -  40000                 $37,405        $3,345                   3.15
  $ 40001 -  45000                 $42,362        $3,907                   3.27
  $ 45001 -  50000                 $47,380        $4,361                   3.63
  $ 50001 -  75000                 $60,269        $6,265                   3.87
  $ 75001 - 100000                 $84,275       $10,157                   4.35
  OVER $100,000                   $137,189       $24,485                   4.57

                    ______________________________________________________________
  TOTAL                            $32,778        $3,020                   2.82
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 HOUSEHOLD INCOME***************************
*                              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              14       $-364,871            $0      0.00           26
  $     1  -  5000     102        $287,894        $1,040      0.36           88
  $  5001 -  10000     104        $789,113       $17,034      2.16          145
  $ 10001 -  15000     127      $1,600,288       $65,640      4.10          226
  $ 15001 -  20000     149      $2,625,947      $129,529      4.93          368
  $ 20001 -  25000     163      $3,661,305      $218,288      5.96          460
  $ 25001 -  30000     174      $4,796,795      $329,160      6.86          538
  $ 30001 -  35000     192      $6,265,650      $442,241      7.06          676
  $ 35001 -  40000     200      $7,465,937      $567,571      7.60          739
  $ 40001 -  45000     210      $8,908,383      $724,475      8.13          832
  $ 45001 -  50000     183      $8,669,739      $718,176      8.28          776
  $ 50001 -  75000     588     $35,626,433    $3,487,113      9.79         2441
  $ 75001 - 100000     168     $14,033,391    $1,673,564     11.93          767
  OVER $100,000         53      $7,357,029    $1,243,656     16.90          274

                    ______________________________________________________________
  TOTAL               2427    $101,723,033    $9,617,487      9.45         8356
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.4           0.0                    0.3
  $     1  -  5000     4.2             0.3           0.0                    1.1
  $  5001 -  10000     4.3             0.8           0.2                    1.7
  $ 10001 -  15000     5.2             1.6           0.7                    2.7
  $ 15001 -  20000     6.1             2.6           1.3                    4.4
  $ 20001 -  25000     6.7             3.6           2.3                    5.5
  $ 25001 -  30000     7.2             4.7           3.4                    6.4
  $ 30001 -  35000     7.9             6.2           4.6                    8.1
  $ 35001 -  40000     8.2             7.3           5.9                    8.8
  $ 40001 -  45000     8.7             8.8           7.5                   10.0
  $ 45001 -  50000     7.5             8.5           7.5                    9.3
  $ 50001 -  75000    24.2            35.0          36.3                   29.2
  $ 75001 - 100000     6.9            13.8          17.4                    9.2
  OVER $100,000        2.2             7.2          12.9                    3.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-26,062            $0                   1.86
  $     1  -  5000                  $2,822           $10                   0.86
  $  5001 -  10000                  $7,588          $164                   1.39
  $ 10001 -  15000                 $12,601          $517                   1.78
  $ 15001 -  20000                 $17,624          $869                   2.47
  $ 20001 -  25000                 $22,462        $1,339                   2.82
  $ 25001 -  30000                 $27,568        $1,892                   3.09
  $ 30001 -  35000                 $32,634        $2,303                   3.52
  $ 35001 -  40000                 $37,330        $2,838                   3.70
  $ 40001 -  45000                 $42,421        $3,450                   3.96
  $ 45001 -  50000                 $47,376        $3,924                   4.24
  $ 50001 -  75000                 $60,589        $5,930                   4.15
  $ 75001 - 100000                 $83,532        $9,962                   4.57
  OVER $100,000                   $138,812       $23,465                   5.17

                    ______________________________________________________________
  TOTAL                            $41,913        $3,963                   3.44
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 HOUSEHOLD INCOME***************************
*                              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              14       $-718,469      $113,680     -15.8           30
  $     1  -  5000      44        $134,809          $796      0.59           29
  $  5001 -  10000      62        $476,014       $10,501      2.21           80
  $ 10001 -  15000      75        $937,492       $33,761      3.60          144
  $ 15001 -  20000      68      $1,164,070       $67,956      5.84          131
  $ 20001 -  25000      54      $1,224,241       $72,485      5.92          150
  $ 25001 -  30000      56      $1,541,758      $107,707      6.99          161
  $ 30001 -  35000      65      $2,107,893      $159,847      7.58          220
  $ 35001 -  40000      64      $2,393,438      $203,336      8.50          205
  $ 40001 -  45000      55      $2,342,792      $192,067      8.20          198
  $ 45001 -  50000      56      $2,651,391      $228,929      8.63          218
  $ 50001 -  75000     157      $9,444,693      $973,633     10.31          595
  $ 75001 - 100000      32      $2,742,760      $332,742     12.13          151
  OVER $100,000         32      $6,810,266    $1,642,397     24.12          127

                    ______________________________________________________________
  TOTAL                834     $33,253,148    $4,139,837     12.45         2439
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.7            -2.2           2.7                    1.2
  $     1  -  5000     5.3             0.4           0.0                    1.2
  $  5001 -  10000     7.4             1.4           0.3                    3.3
  $ 10001 -  15000     9.0             2.8           0.8                    5.9
  $ 15001 -  20000     8.2             3.5           1.6                    5.4
  $ 20001 -  25000     6.5             3.7           1.8                    6.2
  $ 25001 -  30000     6.7             4.6           2.6                    6.6
  $ 30001 -  35000     7.8             6.3           3.9                    9.0
  $ 35001 -  40000     7.7             7.2           4.9                    8.4
  $ 40001 -  45000     6.6             7.0           4.6                    8.1
  $ 45001 -  50000     6.7             8.0           5.5                    8.9
  $ 50001 -  75000    18.8            28.4          23.5                   24.4
  $ 75001 - 100000     3.8             8.2           8.0                    6.2
  OVER $100,000        3.8            20.5          39.7                    5.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-51,319        $8,120                   2.14
  $     1  -  5000                  $3,064           $18                   0.66
  $  5001 -  10000                  $7,678          $169                   1.29
  $ 10001 -  15000                 $12,500          $450                   1.92
  $ 15001 -  20000                 $17,119          $999                   1.93
  $ 20001 -  25000                 $22,671        $1,342                   2.78
  $ 25001 -  30000                 $27,531        $1,923                   2.88
  $ 30001 -  35000                 $32,429        $2,459                   3.38
  $ 35001 -  40000                 $37,397        $3,177                   3.20
  $ 40001 -  45000                 $42,596        $3,492                   3.60
  $ 45001 -  50000                 $47,346        $4,088                   3.89
  $ 50001 -  75000                 $60,157        $6,201                   3.79
  $ 75001 - 100000                 $85,711       $10,398                   4.72
  OVER $100,000                   $212,821       $51,325                   3.97

                    ______________________________________________________________
  TOTAL                            $39,872        $4,964                   2.92
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 HOUSEHOLD INCOME***************************
*                              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              26       $-274,867          $334     -0.12           74
  $     1  -  5000     110        $305,492        $1,638      0.54          140
  $  5001 -  10000     133      $1,009,207       $15,884      1.57          255
  $ 10001 -  15000     153      $1,930,237       $43,403      2.25          425
  $ 15001 -  20000     106      $1,813,314       $75,211      4.15          297
  $ 20001 -  25000     107      $2,383,363      $113,707      4.77          355
  $ 25001 -  30000     103      $2,840,172      $185,164      6.52          361
  $ 30001 -  35000      88      $2,854,397      $184,568      6.47          358
  $ 35001 -  40000      77      $2,904,391      $235,413      8.11          293
  $ 40001 -  45000      69      $2,918,960      $237,723      8.14          294
  $ 45001 -  50000      84      $3,999,509      $351,425      8.79          364
  $ 50001 -  75000     313     $18,847,485    $1,814,785      9.63         1471
  $ 75001 - 100000      62      $5,193,019      $629,811     12.13          309
  OVER $100,000         24      $3,510,225      $652,158     18.58          122

                    ______________________________________________________________
  TOTAL               1455     $50,234,904    $4,541,224      9.04         5118
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.8            -0.5           0.0                    1.4
  $     1  -  5000     7.6             0.6           0.0                    2.7
  $  5001 -  10000     9.1             2.0           0.3                    5.0
  $ 10001 -  15000    10.5             3.8           1.0                    8.3
  $ 15001 -  20000     7.3             3.6           1.7                    5.8
  $ 20001 -  25000     7.4             4.7           2.5                    6.9
  $ 25001 -  30000     7.1             5.7           4.1                    7.1
  $ 30001 -  35000     6.0             5.7           4.1                    7.0
  $ 35001 -  40000     5.3             5.8           5.2                    5.7
  $ 40001 -  45000     4.7             5.8           5.2                    5.7
  $ 45001 -  50000     5.8             8.0           7.7                    7.1
  $ 50001 -  75000    21.5            37.5          40.0                   28.7
  $ 75001 - 100000     4.3            10.3          13.9                    6.0
  OVER $100,000        1.6             7.0          14.4                    2.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-10,572           $13                   2.85
  $     1  -  5000                  $2,777           $15                   1.27
  $  5001 -  10000                  $7,588          $119                   1.92
  $ 10001 -  15000                 $12,616          $284                   2.78
  $ 15001 -  20000                 $17,107          $710                   2.80
  $ 20001 -  25000                 $22,274        $1,063                   3.32
  $ 25001 -  30000                 $27,574        $1,798                   3.50
  $ 30001 -  35000                 $32,436        $2,097                   4.07
  $ 35001 -  40000                 $37,719        $3,057                   3.81
  $ 40001 -  45000                 $42,304        $3,445                   4.26
  $ 45001 -  50000                 $47,613        $4,184                   4.33
  $ 50001 -  75000                 $60,216        $5,798                   4.70
  $ 75001 - 100000                 $83,758       $10,158                   4.98
  OVER $100,000                   $146,259       $27,173                   5.08

                    ______________________________________________________________
  TOTAL                            $34,526        $3,121                   3.52
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 HOUSEHOLD INCOME***************************
*                              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              21       $-792,784       $10,898     -1.37           81
  $     1  -  5000     167        $444,790        $1,726      0.39          157
  $  5001 -  10000     190      $1,450,141       $35,281      2.43          283
  $ 10001 -  15000     180      $2,250,969       $83,155      3.69          334
  $ 15001 -  20000     160      $2,771,776      $143,020      5.16          374
  $ 20001 -  25000     137      $3,085,723      $186,729      6.05          347
  $ 25001 -  30000     149      $4,067,982      $285,500      7.02          426
  $ 30001 -  35000     138      $4,458,384      $330,824      7.42          399
  $ 35001 -  40000     161      $6,061,006      $432,486      7.14          588
  $ 40001 -  45000     131      $5,604,278      $484,390      8.64          429
  $ 45001 -  50000     155      $7,352,228      $584,995      7.96          614
  $ 50001 -  75000     714     $44,536,958    $4,263,829      9.57         2809
  $ 75001 - 100000     389     $33,362,833    $3,958,818     11.87         1544
  $100001 - 250000     371     $52,383,097    $8,961,404     17.11         1572
  OVER $250,000         43     $23,068,577    $6,649,179     28.82          204

                    ______________________________________________________________
  TOTAL               3106    $190,105,958   $26,412,234     13.89        10161
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.4           0.0                    0.8
  $     1  -  5000     5.4             0.2           0.0                    1.5
  $  5001 -  10000     6.1             0.8           0.1                    2.8
  $ 10001 -  15000     5.8             1.2           0.3                    3.3
  $ 15001 -  20000     5.2             1.5           0.5                    3.7
  $ 20001 -  25000     4.4             1.6           0.7                    3.4
  $ 25001 -  30000     4.8             2.1           1.1                    4.2
  $ 30001 -  35000     4.4             2.3           1.3                    3.9
  $ 35001 -  40000     5.2             3.2           1.6                    5.8
  $ 40001 -  45000     4.2             2.9           1.8                    4.2
  $ 45001 -  50000     5.0             3.9           2.2                    6.0
  $ 50001 -  75000    23.0            23.4          16.1                   27.6
  $ 75001 - 100000    12.5            17.5          15.0                   15.2
  $100001 - 250000    11.9            27.6          33.9                   15.5
  OVER $250,000        1.4            12.1          25.2                    2.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-37,752          $519                   3.86
  $     1  -  5000                  $2,663           $10                   0.94
  $  5001 -  10000                  $7,632          $186                   1.49
  $ 10001 -  15000                 $12,505          $462                   1.86
  $ 15001 -  20000                 $17,324          $894                   2.34
  $ 20001 -  25000                 $22,524        $1,363                   2.53
  $ 25001 -  30000                 $27,302        $1,916                   2.86
  $ 30001 -  35000                 $32,307        $2,397                   2.89
  $ 35001 -  40000                 $37,646        $2,686                   3.65
  $ 40001 -  45000                 $42,781        $3,698                   3.27
  $ 45001 -  50000                 $47,434        $3,774                   3.96
  $ 50001 -  75000                 $62,377        $5,972                   3.93
  $ 75001 - 100000                 $85,766       $10,177                   3.97
  $100001 - 250000                $141,194       $24,155                   4.24
  OVER $250,000                   $536,479      $154,632                   4.74

                    ______________________________________________________________
  TOTAL                            $61,206        $8,504                   3.27
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 HOUSEHOLD INCOME***************************
*                              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        103        $137,994        $1,135      0.82           89
  $  5001 -  10000      73        $547,786        $9,888      1.81          144
  $ 10001 -  15000      98      $1,242,984       $26,230      2.11          251
  $ 15001 -  20000      58        $990,985       $43,500      4.39          159
  $ 20001 -  25000      73      $1,656,711       $83,034      5.01          246
  $ 25001 -  30000      55      $1,503,820       $98,313      6.54          190
  $ 30001 -  35000      60      $1,933,864      $120,864      6.25          251
  $ 35001 -  40000      32      $1,198,901       $86,645      7.23          131
  $ 40001 -  45000      42      $1,794,900      $129,757      7.23          202
  $ 45001 -  50000      36      $1,716,249      $132,560      7.72          188
  $ 50001 -  75000      96      $5,765,823      $506,182      8.78          474
  $ 75001 - 100000      35      $2,938,986      $319,027     10.86          189
  OVER $100,000         20      $4,457,257    $1,044,469     23.43           98

                    ______________________________________________________________
  TOTAL                781     $25,886,260    $2,601,604     10.05         2612
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       13.2             0.5           0.0                    3.4
  $  5001 -  10000     9.3             2.1           0.4                    5.5
  $ 10001 -  15000    12.5             4.8           1.0                    9.6
  $ 15001 -  20000     7.4             3.8           1.7                    6.1
  $ 20001 -  25000     9.3             6.4           3.2                    9.4
  $ 25001 -  30000     7.0             5.8           3.8                    7.3
  $ 30001 -  35000     7.7             7.5           4.6                    9.6
  $ 35001 -  40000     4.1             4.6           3.3                    5.0
  $ 40001 -  45000     5.4             6.9           5.0                    7.7
  $ 45001 -  50000     4.6             6.6           5.1                    7.2
  $ 50001 -  75000    12.3            22.3          19.5                   18.1
  $ 75001 - 100000     4.5            11.4          12.3                    7.2
  OVER $100,000        2.6            17.2          40.1                    3.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,340           $11                   0.86
  $  5001 -  10000                  $7,504          $135                   1.97
  $ 10001 -  15000                 $12,684          $268                   2.56
  $ 15001 -  20000                 $17,086          $750                   2.74
  $ 20001 -  25000                 $22,695        $1,137                   3.37
  $ 25001 -  30000                 $27,342        $1,788                   3.45
  $ 30001 -  35000                 $32,231        $2,014                   4.18
  $ 35001 -  40000                 $37,466        $2,708                   4.09
  $ 40001 -  45000                 $42,736        $3,089                   4.81
  $ 45001 -  50000                 $47,674        $3,682                   5.22
  $ 50001 -  75000                 $60,061        $5,273                   4.94
  $ 75001 - 100000                 $83,971        $9,115                   5.40
  OVER $100,000                   $222,863       $52,223                   4.90

                    ______________________________________________________________
  TOTAL                            $33,145        $3,331                   3.34
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 HOUSEHOLD INCOME***************************
*                              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              15       $-226,119        $1,626     -0.72           32
  $     1  -  5000     149        $388,003        $3,030      0.78           82
  $  5001 -  10000     153      $1,142,156       $25,982      2.27          192
  $ 10001 -  15000     146      $1,833,524       $75,200      4.10          249
  $ 15001 -  20000     155      $2,712,124      $140,086      5.17          369
  $ 20001 -  25000     132      $2,938,467      $172,007      5.85          331
  $ 25001 -  30000     160      $4,402,547      $285,118      6.48          465
  $ 30001 -  35000     169      $5,531,077      $385,974      6.98          550
  $ 35001 -  40000     162      $6,072,030      $447,771      7.37          578
  $ 40001 -  45000     180      $7,691,785      $607,517      7.90          680
  $ 45001 -  50000     154      $7,324,229      $574,190      7.84          631
  $ 50001 -  75000     699     $43,004,312    $3,830,416      8.91         3035
  $ 75001 - 100000     373     $31,848,876    $3,692,751     11.59         1605
  $100001 - 250000     330     $46,416,145    $7,466,765     16.09         1562
  OVER $250,000         54     $23,573,848    $6,493,720     27.55          298

                    ______________________________________________________________
  TOTAL               3031    $184,653,004   $24,202,153     13.11        10659
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.1           0.0                    0.3
  $     1  -  5000     4.9             0.2           0.0                    0.8
  $  5001 -  10000     5.0             0.6           0.1                    1.8
  $ 10001 -  15000     4.8             1.0           0.3                    2.3
  $ 15001 -  20000     5.1             1.5           0.6                    3.5
  $ 20001 -  25000     4.4             1.6           0.7                    3.1
  $ 25001 -  30000     5.3             2.4           1.2                    4.4
  $ 30001 -  35000     5.6             3.0           1.6                    5.2
  $ 35001 -  40000     5.3             3.3           1.9                    5.4
  $ 40001 -  45000     5.9             4.2           2.5                    6.4
  $ 45001 -  50000     5.1             4.0           2.4                    5.9
  $ 50001 -  75000    23.1            23.3          15.8                   28.5
  $ 75001 - 100000    12.3            17.2          15.3                   15.1
  $100001 - 250000    10.9            25.1          30.9                   14.7
  OVER $250,000        1.8            12.8          26.8                    2.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-15,075          $108                   2.13
  $     1  -  5000                  $2,604           $20                   0.55
  $  5001 -  10000                  $7,465          $170                   1.25
  $ 10001 -  15000                 $12,558          $515                   1.71
  $ 15001 -  20000                 $17,498          $904                   2.38
  $ 20001 -  25000                 $22,261        $1,303                   2.51
  $ 25001 -  30000                 $27,516        $1,782                   2.91
  $ 30001 -  35000                 $32,728        $2,284                   3.25
  $ 35001 -  40000                 $37,482        $2,764                   3.57
  $ 40001 -  45000                 $42,732        $3,375                   3.78
  $ 45001 -  50000                 $47,560        $3,729                   4.10
  $ 50001 -  75000                 $61,523        $5,480                   4.34
  $ 75001 - 100000                 $85,386        $9,900                   4.30
  $100001 - 250000                $140,655       $22,627                   4.73
  OVER $250,000                   $436,553      $120,254                   5.52

                    ______________________________________________________________
  TOTAL                            $60,921        $7,985                   3.52
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 HOUSEHOLD INCOME***************************
*                              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         43        $106,081        $4,761      4.49           24
  $  5001 -  10000      38        $287,895        $7,900      2.74           58
  $ 10001 -  15000      37        $468,756       $18,931      4.04           86
  $ 15001 -  20000      49        $863,376       $44,440      5.15          104
  $ 20001 -  25000      36        $805,230       $45,456      5.65           96
  $ 25001 -  30000      37      $1,026,537       $67,155      6.54          102
  $ 30001 -  35000      43      $1,399,565       $95,922      6.85          120
  $ 35001 -  40000      41      $1,528,885      $117,765      7.70          130
  $ 40001 -  45000      45      $1,911,981      $141,304      7.39          175
  $ 45001 -  50000      49      $2,337,461      $191,915      8.21          190
  $ 50001 -  75000     277     $17,305,915    $1,512,164      8.74         1236
  $ 75001 - 100000     190     $16,293,556    $1,746,413     10.72          891
  $100001 - 250000     146     $19,038,489    $2,891,879     15.19          724
  OVER $250,000         19     $10,222,268    $2,423,523     23.71          109

                    ______________________________________________________________
  TOTAL               1050     $73,595,995    $9,309,528     12.65         4045
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        4.1             0.1           0.1                    0.6
  $  5001 -  10000     3.6             0.4           0.1                    1.4
  $ 10001 -  15000     3.5             0.6           0.2                    2.1
  $ 15001 -  20000     4.7             1.2           0.5                    2.6
  $ 20001 -  25000     3.4             1.1           0.5                    2.4
  $ 25001 -  30000     3.5             1.4           0.7                    2.5
  $ 30001 -  35000     4.1             1.9           1.0                    3.0
  $ 35001 -  40000     3.9             2.1           1.3                    3.2
  $ 40001 -  45000     4.3             2.6           1.5                    4.3
  $ 45001 -  50000     4.7             3.2           2.1                    4.7
  $ 50001 -  75000    26.4            23.5          16.2                   30.6
  $ 75001 - 100000    18.1            22.1          18.8                   22.0
  $100001 - 250000    13.9            25.9          31.1                   17.9
  OVER $250,000        1.8            13.9          26.0                    2.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,467          $111                   0.56
  $  5001 -  10000                  $7,576          $208                   1.53
  $ 10001 -  15000                 $12,669          $512                   2.32
  $ 15001 -  20000                 $17,620          $907                   2.12
  $ 20001 -  25000                 $22,368        $1,263                   2.67
  $ 25001 -  30000                 $27,744        $1,815                   2.76
  $ 30001 -  35000                 $32,548        $2,231                   2.79
  $ 35001 -  40000                 $37,290        $2,872                   3.17
  $ 40001 -  45000                 $42,488        $3,140                   3.89
  $ 45001 -  50000                 $47,703        $3,917                   3.88
  $ 50001 -  75000                 $62,476        $5,459                   4.46
  $ 75001 - 100000                 $85,756        $9,192                   4.69
  $100001 - 250000                $130,401       $19,807                   4.96
  OVER $250,000                   $538,014      $127,554                   5.74

                    ______________________________________________________________
  TOTAL                            $70,091        $8,866                   3.85
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 HOUSEHOLD INCOME***************************
*                              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              11       $-487,938        $1,921     -0.39           34
  $     1  -  5000      47        $127,412          $133      0.10           39
  $  5001 -  10000      67        $520,520        $8,587      1.65          104
  $ 10001 -  15000      63        $797,333       $26,667      3.34          121
  $ 15001 -  20000      70      $1,243,500       $65,059      5.23          170
  $ 20001 -  25000      77      $1,722,683       $95,968      5.57          243
  $ 25001 -  30000      65      $1,772,095      $115,648      6.53          221
  $ 30001 -  35000      72      $2,327,844      $166,886      7.17          275
  $ 35001 -  40000      68      $2,565,216      $201,764      7.87          276
  $ 40001 -  45000      59      $2,516,326      $220,662      8.77          222
  $ 45001 -  50000      51      $2,429,806      $213,634      8.79          219
  $ 50001 -  75000     154      $9,201,721      $906,600      9.85          712
  $ 75001 - 100000      43      $3,617,513      $472,461     13.06          183
  $100001 - 250000      11      $1,400,626      $219,941     15.70           56

                    ______________________________________________________________
  TOTAL                858     $29,754,657    $2,715,931      9.13         2875
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.3            -1.6           0.1                    1.2
  $     1  -  5000     5.5             0.4           0.0                    1.4
  $  5001 -  10000     7.8             1.7           0.3                    3.6
  $ 10001 -  15000     7.3             2.7           1.0                    4.2
  $ 15001 -  20000     8.2             4.2           2.4                    5.9
  $ 20001 -  25000     9.0             5.8           3.5                    8.5
  $ 25001 -  30000     7.6             6.0           4.3                    7.7
  $ 30001 -  35000     8.4             7.8           6.1                    9.6
  $ 35001 -  40000     7.9             8.6           7.4                    9.6
  $ 40001 -  45000     6.9             8.5           8.1                    7.7
  $ 45001 -  50000     5.9             8.2           7.9                    7.6
  $ 50001 -  75000    17.9            30.9          33.4                   24.8
  $ 75001 - 100000     5.0            12.2          17.4                    6.4
  $100001 - 250000     1.3             4.7           8.1                    1.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-44,358          $175                   3.09
  $     1  -  5000                  $2,711            $3                   0.83
  $  5001 -  10000                  $7,769          $128                   1.55
  $ 10001 -  15000                 $12,656          $423                   1.92
  $ 15001 -  20000                 $17,764          $929                   2.43
  $ 20001 -  25000                 $22,373        $1,246                   3.16
  $ 25001 -  30000                 $27,263        $1,779                   3.40
  $ 30001 -  35000                 $32,331        $2,318                   3.82
  $ 35001 -  40000                 $37,724        $2,967                   4.06
  $ 40001 -  45000                 $42,650        $3,740                   3.76
  $ 45001 -  50000                 $47,643        $4,189                   4.29
  $ 50001 -  75000                 $59,751        $5,887                   4.62
  $ 75001 - 100000                 $84,128       $10,987                   4.26
  $100001 - 250000                $127,330       $19,995                   5.09

                    ______________________________________________________________
  TOTAL                            $34,679        $3,165                   3.35
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 HOUSEHOLD INCOME***************************
*                              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 UT
                        _________________________________________________
  UNDER $ 5,000        117        $279,671        $1,095      0.39          139
  $  5001 -  10000     138      $1,046,745       $21,887      2.09          221
  $ 10001 -  15000     169      $2,130,722       $85,462      4.01          314
  $ 15001 -  20000     153      $2,681,823      $136,686      5.10          345
  $ 20001 -  25000     137      $3,063,453      $191,186      6.24          361
  $ 25001 -  30000     132      $3,634,669      $264,971      7.29          381
  $ 30001 -  35000     139      $4,512,371      $362,740      8.04          426
  $ 35001 -  40000     120      $4,498,241      $378,791      8.42          425
  $ 40001 -  45000     135      $5,730,485      $501,025      8.74          507
  $ 45001 -  50000     101      $4,779,419      $442,618      9.26          374
  $ 50001 -  75000     326     $19,655,512    $2,076,562     10.56         1294
  $ 75001 - 100000      98      $8,294,601    $1,087,645     13.11          394
  OVER $100,000         29      $3,901,121      $756,384     19.39          111

                    ______________________________________________________________
  TOTAL               1794     $64,208,833    $6,307,052      9.82         5292
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        6.5             0.4           0.0                    2.6
  $  5001 -  10000     7.7             1.6           0.3                    4.2
  $ 10001 -  15000     9.4             3.3           1.4                    5.9
  $ 15001 -  20000     8.5             4.2           2.2                    6.5
  $ 20001 -  25000     7.6             4.8           3.0                    6.8
  $ 25001 -  30000     7.4             5.7           4.2                    7.2
  $ 30001 -  35000     7.7             7.0           5.8                    8.0
  $ 35001 -  40000     6.7             7.0           6.0                    8.0
  $ 40001 -  45000     7.5             8.9           7.9                    9.6
  $ 45001 -  50000     5.6             7.4           7.0                    7.1
  $ 50001 -  75000    18.2            30.6          32.9                   24.5
  $ 75001 - 100000     5.5            12.9          17.2                    7.4
  OVER $100,000        1.6             6.1          12.0                    2.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,390            $9                   1.19
  $  5001 -  10000                  $7,585          $159                   1.60
  $ 10001 -  15000                 $12,608          $506                   1.86
  $ 15001 -  20000                 $17,528          $893                   2.25
  $ 20001 -  25000                 $22,361        $1,396                   2.64
  $ 25001 -  30000                 $27,535        $2,007                   2.89
  $ 30001 -  35000                 $32,463        $2,610                   3.06
  $ 35001 -  40000                 $37,485        $3,157                   3.54
  $ 40001 -  45000                 $42,448        $3,711                   3.76
  $ 45001 -  50000                 $47,321        $4,382                   3.70
  $ 50001 -  75000                 $60,293        $6,370                   3.97
  $ 75001 - 100000                 $84,639       $11,098                   4.02
  OVER $100,000                   $134,521       $26,082                   3.83

                    ______________________________________________________________
  TOTAL                            $35,791        $3,516                   2.95
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 HOUSEHOLD INCOME***************************
*                              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              21       $-776,651       $27,387     -3.53           56
  $     1  -  5000      88        $247,955        $1,139      0.46           87
  $  5001 -  10000     151      $1,131,373       $17,591      1.55          249
  $ 10001 -  15000     158      $1,996,284       $73,507      3.68          315
  $ 15001 -  20000     160      $2,817,578      $121,241      4.30          406
  $ 20001 -  25000     169      $3,793,743      $211,553      5.58          487
  $ 25001 -  30000     155      $4,239,842      $272,324      6.42          490
  $ 30001 -  35000     147      $4,790,527      $349,385      7.29          476
  $ 35001 -  40000     145      $5,433,686      $435,407      8.01          486
  $ 40001 -  45000     117      $4,972,115      $411,650      8.28          438
  $ 45001 -  50000     101      $4,777,191      $405,194      8.48          388
  $ 50001 -  75000     302     $18,219,523    $1,769,777      9.71         1194
  $ 75001 - 100000      90      $7,587,438      $847,992     11.18          414
  OVER $100,000         63     $11,735,416    $2,399,023     20.44          266

                    ______________________________________________________________
  TOTAL               1867     $70,966,020    $7,343,170     10.35         5752
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.1            -1.1           0.4                    1.0
  $     1  -  5000     4.7             0.3           0.0                    1.5
  $  5001 -  10000     8.1             1.6           0.2                    4.3
  $ 10001 -  15000     8.5             2.8           1.0                    5.5
  $ 15001 -  20000     8.6             4.0           1.7                    7.1
  $ 20001 -  25000     9.1             5.3           2.9                    8.5
  $ 25001 -  30000     8.3             6.0           3.7                    8.5
  $ 30001 -  35000     7.9             6.8           4.8                    8.3
  $ 35001 -  40000     7.8             7.7           5.9                    8.4
  $ 40001 -  45000     6.3             7.0           5.6                    7.6
  $ 45001 -  50000     5.4             6.7           5.5                    6.7
  $ 50001 -  75000    16.2            25.7          24.1                   20.8
  $ 75001 - 100000     4.8            10.7          11.5                    7.2
  OVER $100,000        3.4            16.5          32.7                    4.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-36,983        $1,304                   2.67
  $     1  -  5000                  $2,818           $13                   0.99
  $  5001 -  10000                  $7,493          $116                   1.65
  $ 10001 -  15000                 $12,635          $465                   1.99
  $ 15001 -  20000                 $17,610          $758                   2.54
  $ 20001 -  25000                 $22,448        $1,252                   2.88
  $ 25001 -  30000                 $27,354        $1,757                   3.16
  $ 30001 -  35000                 $32,589        $2,377                   3.24
  $ 35001 -  40000                 $37,474        $3,003                   3.35
  $ 40001 -  45000                 $42,497        $3,518                   3.74
  $ 45001 -  50000                 $47,299        $4,012                   3.84
  $ 50001 -  75000                 $60,330        $5,860                   3.95
  $ 75001 - 100000                 $84,305        $9,422                   4.60
  OVER $100,000                   $186,276       $38,080                   4.22

                    ______________________________________________________________
  TOTAL                            $38,011        $3,933                   3.08
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 HOUSEHOLD INCOME***************************
*                              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 UT
                        _________________________________________________
  UNDER $ 5,000         56         $98,361          $600      0.61           57
  $  5001 -  10000      70        $535,511       $12,047      2.25          109
  $ 10001 -  15000      78      $1,001,532       $37,230      3.72          162
  $ 15001 -  20000      66      $1,166,848       $52,172      4.47          183
  $ 20001 -  25000      66      $1,493,720       $92,690      6.21          181
  $ 25001 -  30000      51      $1,405,475       $98,913      7.04          150
  $ 30001 -  35000      56      $1,820,895      $117,549      6.46          218
  $ 35001 -  40000      55      $2,058,668      $154,127      7.49          200
  $ 40001 -  45000      60      $2,551,712      $186,197      7.30          242
  $ 45001 -  50000      46      $2,190,324      $182,279      8.32          192
  $ 50001 -  75000     140      $8,482,306      $823,034      9.70          577
  $ 75001 - 100000      34      $2,866,990      $311,967     10.88          176
  OVER $100,000         31      $6,088,131    $1,166,409     19.16          169

                    ______________________________________________________________
  TOTAL                809     $31,760,473    $3,235,214     10.19         2616
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        6.9             0.3           0.0                    2.2
  $  5001 -  10000     8.7             1.7           0.4                    4.2
  $ 10001 -  15000     9.6             3.2           1.2                    6.2
  $ 15001 -  20000     8.2             3.7           1.6                    7.0
  $ 20001 -  25000     8.2             4.7           2.9                    6.9
  $ 25001 -  30000     6.3             4.4           3.1                    5.7
  $ 30001 -  35000     6.9             5.7           3.6                    8.3
  $ 35001 -  40000     6.8             6.5           4.8                    7.6
  $ 40001 -  45000     7.4             8.0           5.8                    9.3
  $ 45001 -  50000     5.7             6.9           5.6                    7.3
  $ 50001 -  75000    17.3            26.7          25.4                   22.1
  $ 75001 - 100000     4.2             9.0           9.6                    6.7
  OVER $100,000        3.8            19.2          36.1                    6.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,756           $11                   1.02
  $  5001 -  10000                  $7,650          $172                   1.56
  $ 10001 -  15000                 $12,840          $477                   2.08
  $ 15001 -  20000                 $17,680          $790                   2.77
  $ 20001 -  25000                 $22,632        $1,404                   2.74
  $ 25001 -  30000                 $27,558        $1,939                   2.94
  $ 30001 -  35000                 $32,516        $2,099                   3.89
  $ 35001 -  40000                 $37,430        $2,802                   3.64
  $ 40001 -  45000                 $42,529        $3,103                   4.03
  $ 45001 -  50000                 $47,616        $3,963                   4.17
  $ 50001 -  75000                 $60,588        $5,879                   4.12
  $ 75001 - 100000                 $84,323        $9,176                   5.18
  OVER $100,000                   $196,391       $37,626                   5.45

                    ______________________________________________________________
  TOTAL                            $39,259        $3,999                   3.23
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 HOUSEHOLD INCOME***************************
*                              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              12       $-232,666          $285     -0.12           22
  $     1  -  5000      93        $261,913        $1,296      0.49          117
  $  5001 -  10000     127        $956,874       $11,272      1.18          219
  $ 10001 -  15000     135      $1,714,790       $62,572      3.65          260
  $ 15001 -  20000     135      $2,342,700      $117,452      5.01          314
  $ 20001 -  25000      88      $1,984,903      $133,690      6.74          220
  $ 25001 -  30000      94      $2,593,704      $202,582      7.81          244
  $ 30001 -  35000      88      $2,857,110      $249,921      8.75          237
  $ 35001 -  40000      67      $2,505,629      $225,592      9.00          212
  $ 40001 -  45000      62      $2,632,524      $256,427      9.74          193
  $ 45001 -  50000      78      $3,688,645      $364,736      9.89          277
  $ 50001 -  75000     241     $14,930,465    $1,782,877     11.94          844
  $ 75001 - 100000      65      $5,568,300      $814,852     14.63          242
  OVER $100,000         33      $4,134,101      $677,829     16.40          177

                    ______________________________________________________________
  TOTAL               1318     $45,938,992    $4,901,383     10.67         3578
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.9            -0.5           0.0                    0.6
  $     1  -  5000     7.1             0.6           0.0                    3.3
  $  5001 -  10000     9.6             2.1           0.2                    6.1
  $ 10001 -  15000    10.2             3.7           1.3                    7.3
  $ 15001 -  20000    10.2             5.1           2.4                    8.8
  $ 20001 -  25000     6.7             4.3           2.7                    6.1
  $ 25001 -  30000     7.1             5.6           4.1                    6.8
  $ 30001 -  35000     6.7             6.2           5.1                    6.6
  $ 35001 -  40000     5.1             5.5           4.6                    5.9
  $ 40001 -  45000     4.7             5.7           5.2                    5.4
  $ 45001 -  50000     5.9             8.0           7.4                    7.7
  $ 50001 -  75000    18.3            32.5          36.4                   23.6
  $ 75001 - 100000     4.9            12.1          16.6                    6.8
  OVER $100,000        2.5             9.0          13.8                    4.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-19,389           $24                   1.83
  $     1  -  5000                  $2,816           $14                   1.26
  $  5001 -  10000                  $7,534           $89                   1.72
  $ 10001 -  15000                 $12,702          $463                   1.93
  $ 15001 -  20000                 $17,353          $870                   2.33
  $ 20001 -  25000                 $22,556        $1,519                   2.50
  $ 25001 -  30000                 $27,593        $2,155                   2.60
  $ 30001 -  35000                 $32,467        $2,840                   2.69
  $ 35001 -  40000                 $37,397        $3,367                   3.16
  $ 40001 -  45000                 $42,460        $4,136                   3.11
  $ 45001 -  50000                 $47,290        $4,676                   3.55
  $ 50001 -  75000                 $61,952        $7,398                   3.50
  $ 75001 - 100000                 $85,666       $12,536                   3.72
  OVER $100,000                   $125,276       $20,540                   5.36

                    ______________________________________________________________
  TOTAL                            $34,855        $3,719                   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 HOUSEHOLD INCOME***************************
*                              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              15       $-707,499        $3,071     -0.43           52
  $     1  -  5000      69        $200,475        $1,510      0.75           34
  $  5001 -  10000      61        $469,668       $13,614      2.90           99
  $ 10001 -  15000      68        $861,075       $24,863      2.89          147
  $ 15001 -  20000      61      $1,070,231       $48,823      4.56          151
  $ 20001 -  25000      58      $1,337,067       $63,538      4.75          174
  $ 25001 -  30000      49      $1,350,637       $86,345      6.39          163
  $ 30001 -  35000      66      $2,149,802      $124,850      5.81          260
  $ 35001 -  40000      72      $2,689,619      $169,206      6.29          287
  $ 40001 -  45000      65      $2,772,281      $166,456      6.00          311
  $ 45001 -  50000      82      $3,889,886      $252,676      6.50          409
  $ 50001 -  75000     340     $20,727,539    $1,683,492      8.12         1644
  $ 75001 - 100000     205     $17,522,640    $1,812,979     10.35         1085
  $100001 - 250000     160     $22,780,369    $3,581,453     15.72          879
  OVER $250,000         29     $12,538,105    $3,245,741     25.89          152

                    ______________________________________________________________
  TOTAL               1400     $89,651,895   $11,278,617     12.58         5847
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.1            -0.8           0.0                    0.9
  $     1  -  5000     4.9             0.2           0.0                    0.6
  $  5001 -  10000     4.4             0.5           0.1                    1.7
  $ 10001 -  15000     4.9             1.0           0.2                    2.5
  $ 15001 -  20000     4.4             1.2           0.4                    2.6
  $ 20001 -  25000     4.1             1.5           0.6                    3.0
  $ 25001 -  30000     3.5             1.5           0.8                    2.8
  $ 30001 -  35000     4.7             2.4           1.1                    4.4
  $ 35001 -  40000     5.1             3.0           1.5                    4.9
  $ 40001 -  45000     4.6             3.1           1.5                    5.3
  $ 45001 -  50000     5.9             4.3           2.2                    7.0
  $ 50001 -  75000    24.3            23.1          14.9                   28.1
  $ 75001 - 100000    14.6            19.5          16.1                   18.6
  $100001 - 250000    11.4            25.4          31.8                   15.0
  OVER $250,000        2.1            14.0          28.8                    2.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-47,167          $205                   3.47
  $     1  -  5000                  $2,905           $22                   0.49
  $  5001 -  10000                  $7,699          $223                   1.62
  $ 10001 -  15000                 $12,663          $366                   2.16
  $ 15001 -  20000                 $17,545          $800                   2.48
  $ 20001 -  25000                 $23,053        $1,095                   3.00
  $ 25001 -  30000                 $27,564        $1,762                   3.33
  $ 30001 -  35000                 $32,573        $1,892                   3.94
  $ 35001 -  40000                 $37,356        $2,350                   3.99
  $ 40001 -  45000                 $42,650        $2,561                   4.78
  $ 45001 -  50000                 $47,438        $3,081                   4.99
  $ 50001 -  75000                 $60,963        $4,951                   4.84
  $ 75001 - 100000                 $85,476        $8,844                   5.29
  $100001 - 250000                $142,377       $22,384                   5.49
  OVER $250,000                   $432,348      $111,922                   5.24

                    ______________________________________________________________
  TOTAL                            $64,037        $8,056                   4.18
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 HOUSEHOLD INCOME***************************
*                              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         50        $153,786        $2,501      1.63           22
  $  5001 -  10000     151      $1,245,472       $43,422      3.49          167
  $ 10001 -  15000     312      $3,860,587      $218,424      5.66          468
  $ 15001 -  20000     271      $4,722,120      $201,436      4.27          754
  $ 20001 -  25000     185      $4,130,089      $179,460      4.35          678
  $ 25001 -  30000     163      $4,437,636      $270,115      6.09          581
  $ 30001 -  35000      96      $3,092,480      $223,175      7.22          358
  $ 35001 -  40000      71      $2,652,641      $214,634      8.09          271
  $ 40001 -  45000      62      $2,622,429      $224,915      8.58          243
  $ 45001 -  50000      35      $1,656,865      $153,971      9.29          135
  $ 50001 -  75000      62      $3,760,311      $422,463     11.23          243
  OVER $ 75,000         14      $1,413,992      $244,737     17.31           56

                    ______________________________________________________________
  TOTAL               1472     $33,748,408    $2,399,253      7.11         3976
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        3.4             0.5           0.1                    0.6
  $  5001 -  10000    10.3             3.7           1.8                    4.2
  $ 10001 -  15000    21.2            11.4           9.1                   11.8
  $ 15001 -  20000    18.4            14.0           8.4                   19.0
  $ 20001 -  25000    12.6            12.2           7.5                   17.1
  $ 25001 -  30000    11.1            13.1          11.3                   14.6
  $ 30001 -  35000     6.5             9.2           9.3                    9.0
  $ 35001 -  40000     4.8             7.9           8.9                    6.8
  $ 40001 -  45000     4.2             7.8           9.4                    6.1
  $ 45001 -  50000     2.4             4.9           6.4                    3.4
  $ 50001 -  75000     4.2            11.1          17.6                    6.1
  OVER $ 75,000        1.0             4.2          10.2                    1.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $3,076           $50                   0.44
  $  5001 -  10000                  $8,248          $288                   1.11
  $ 10001 -  15000                 $12,374          $700                   1.50
  $ 15001 -  20000                 $17,425          $743                   2.78
  $ 20001 -  25000                 $22,325          $970                   3.66
  $ 25001 -  30000                 $27,225        $1,657                   3.56
  $ 30001 -  35000                 $32,213        $2,325                   3.73
  $ 35001 -  40000                 $37,361        $3,023                   3.82
  $ 40001 -  45000                 $42,297        $3,628                   3.92
  $ 45001 -  50000                 $47,339        $4,399                   3.86
  $ 50001 -  75000                 $60,650        $6,814                   3.92
  OVER $ 75,000                   $100,999       $17,481                   4.00

                    ______________________________________________________________
  TOTAL                            $22,927        $1,630                   2.70
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 HOUSEHOLD INCOME***************************
*                              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      HOLLADAY UT
                        _________________________________________________
  UNDER $1              10       $-445,518       $26,955     -6.05           14
  $     1  -  5000      56        $160,502          $472      0.29           60
  $  5001 -  10000     129        $982,524       $21,347      2.17          176
  $ 10001 -  15000     133      $1,645,844       $81,734      4.97          213
  $ 15001 -  20000     152      $2,626,183      $177,206      6.75          276
  $ 20001 -  25000     113      $2,518,979      $196,767      7.81          219
  $ 25001 -  30000      88      $2,422,745      $208,973      8.63          181
  $ 30001 -  35000      72      $2,323,697      $215,475      9.27          175
  $ 35001 -  40000      88      $3,275,255      $324,728      9.91          219
  $ 40001 -  45000      63      $2,669,777      $275,691     10.33          165
  $ 45001 -  50000      43      $2,026,190      $209,960     10.36          123
  $ 50001 -  75000     118      $7,160,815      $814,100     11.37          379
  $ 75001 - 100000      71      $6,088,265      $817,285     13.42          257
  $100001 - 250000      51      $7,557,635    $1,357,584     17.96          216
  OVER $250,000         15      $8,786,859    $2,709,026     30.83           57

                    ______________________________________________________________
  TOTAL               1202     $49,799,752    $7,437,303     14.93         2730
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.8            -0.9           0.4                    0.5
  $     1  -  5000     4.7             0.3           0.0                    2.2
  $  5001 -  10000    10.7             2.0           0.3                    6.4
  $ 10001 -  15000    11.1             3.3           1.1                    7.8
  $ 15001 -  20000    12.6             5.3           2.4                   10.1
  $ 20001 -  25000     9.4             5.1           2.6                    8.0
  $ 25001 -  30000     7.3             4.9           2.8                    6.6
  $ 30001 -  35000     6.0             4.7           2.9