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 
DUCHESNE UT 
EDEN UT 
EPHRAIM UT 
FARMINGTON UT 
FILLMORE UT 
FRUIT HEIGHTS UT 
GARLAND UT 
GRANTSVILLE 
HEBER CITY UT 
HELPER UT 
HIGHLAND UT 
HILL AFB UT 
HOLLADAY UT 
HOOPER UT 
HUNTINGTON UT 
HUNTSVILLE UT 
HURRICANE UT 
HYDE PARK UT 
HYRUM UT 
IVINS UT 
KAMAS UT 
KANAB UT 
KAYSVILLE UT 
KEARNS UT 
LAVERKIN UT 
LAYTON UT 
LEHI UT 
LINDON UT 
LOGAN UT 
MAGNA UT 
MANTI UT 
MAPLETON UT 
MIDVALE UT 
MIDWAY UT 
MOAB UT 
MONROE UT 
MONTICELLO UT 
MORGAN UT 
MOUNT PLEASANT UT 
MURRAY UT 
NEPHI UT 
NORTH LOGAN UT 
NORTH OGDEN UT 
NORTH SALT LAKE UT 
OGDEN UT 
OREM UT 
OTHER TOWNS 
PANGIUTCH UT 
PARK CITY UT 
PAROWAN UT 
PAYSON UT 
PLEASANT GROVE UT 
PLEASANT VIEW UT 
PRICE UT 
PROVIDENCE UT 
PROVO UT 
RICHFIELD UT 
RICHMOND UT 
RIVERDALE UT 
RIVERTON UT 
ROOSEVELT UT 
ROY UT 
SALEM UT 
SALINA UT 
SALT LAKE CITY UT 
SANDY UT 
SANTA CLARA UT 
SANTAQUIN UT 
SMITHFIELD UT 
SOUTH JORDAN UT 
SOUTH OGDEN UT 
SOUTH SALT LAKE UT 
SOUTH WEBER UT 
SPANISH FORK UT 
SPRINGVILLE UT 
ST GEORGE UT 
STANSBURY PARK UT 
SUNSET UT 
SYRACUSE UT 
TAYLORSVILLE UT 
TOOELE UT 
TREMONTON UT 
VERNAL UT 
WASHINGTON UT 
WELLSVILLE UT 
WENDOVER UT 
WEST BOUNTIFUL UT 
WEST JORDAN UT 
WEST POINT UT 
WEST VALLEY UT 
WILLARD UT 
WOODS CROSS UT 


****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      ALPINE UT
                        _________________________________________________
  UNDER $1              13       $-780,372        $9,100     -1.17           47
  $     1  -  5000     404        $995,772       $31,080      3.12          111
  $  5001 -  10000     219      $1,588,137       $75,720      4.77          151
  $ 10001 -  15000     142      $1,765,480       $94,322      5.34          197
  $ 15001 -  20000     100      $1,733,342      $106,700      6.16          178
  $ 20001 -  25000      65      $1,468,489       $83,057      5.66          166
  $ 25001 -  30000      65      $1,794,025      $121,869      6.79          182
  $ 30001 -  35000      52      $1,687,970      $122,840      7.28          164
  $ 35001 -  40000      70      $2,629,914      $203,755      7.75          234
  $ 40001 -  45000      72      $3,069,643      $237,683      7.74          295
  $ 45001 -  50000      66      $3,110,407      $238,989      7.68          277
  $ 50001 -  75000     249     $15,517,652    $1,400,789      9.03         1064
  $ 75001 - 100000     132     $11,411,949    $1,247,103     10.93          604
  $100001 - 250000     158     $21,666,700    $3,297,908     15.22          744
  OVER $250,000         41     $24,740,908    $7,089,070     28.65          177

                    ______________________________________________________________
  TOTAL               1848     $92,400,016   $14,359,985     15.54         4591
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.8           0.1                    1.0
  $     1  -  5000    21.9             1.1           0.2                    2.4
  $  5001 -  10000    11.9             1.7           0.5                    3.3
  $ 10001 -  15000     7.7             1.9           0.7                    4.3
  $ 15001 -  20000     5.4             1.9           0.7                    3.9
  $ 20001 -  25000     3.5             1.6           0.6                    3.6
  $ 25001 -  30000     3.5             1.9           0.8                    4.0
  $ 30001 -  35000     2.8             1.8           0.9                    3.6
  $ 35001 -  40000     3.8             2.8           1.4                    5.1
  $ 40001 -  45000     3.9             3.3           1.7                    6.4
  $ 45001 -  50000     3.6             3.4           1.7                    6.0
  $ 50001 -  75000    13.5            16.8           9.8                   23.2
  $ 75001 - 100000     7.1            12.4           8.7                   13.2
  $100001 - 250000     8.5            23.4          23.0                   16.2
  OVER $250,000        2.2            26.8          49.4                    3.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-60,029          $700                   3.62
  $     1  -  5000                  $2,465           $77                   0.27
  $  5001 -  10000                  $7,252          $346                   0.69
  $ 10001 -  15000                 $12,433          $664                   1.39
  $ 15001 -  20000                 $17,333        $1,067                   1.78
  $ 20001 -  25000                 $22,592        $1,278                   2.55
  $ 25001 -  30000                 $27,600        $1,875                   2.80
  $ 30001 -  35000                 $32,461        $2,362                   3.15
  $ 35001 -  40000                 $37,570        $2,911                   3.34
  $ 40001 -  45000                 $42,634        $3,301                   4.10
  $ 45001 -  50000                 $47,127        $3,621                   4.20
  $ 50001 -  75000                 $62,320        $5,626                   4.27
  $ 75001 - 100000                 $86,454        $9,448                   4.58
  $100001 - 250000                $137,131       $20,873                   4.71
  OVER $250,000                   $603,437      $172,904                   4.32

                    ______________________________________________________________
  TOTAL                            $50,000        $7,771                   2.48
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      AMERICAN FORK UT
                        _________________________________________________
  UNDER $1              26       $-388,527        $1,736     -0.45           56
  $     1  -  5000    1058      $2,798,090       $28,488      1.02          410
  $  5001 -  10000     853      $6,266,939      $202,863      3.24          854
  $ 10001 -  15000     759      $9,418,281      $437,131      4.64         1256
  $ 15001 -  20000     620     $10,786,475      $616,126      5.71         1273
  $ 20001 -  25000     517     $11,572,260      $783,753      6.77         1244
  $ 25001 -  30000     452     $12,386,814      $855,614      6.91         1310
  $ 30001 -  35000     434     $14,077,825    $1,032,931      7.34         1414
  $ 35001 -  40000     425     $15,894,468    $1,240,270      7.80         1466
  $ 40001 -  45000     442     $18,793,805    $1,517,030      8.07         1684
  $ 45001 -  50000     359     $17,044,391    $1,376,440      8.08         1453
  $ 50001 -  75000    1160     $69,457,713    $6,506,616      9.37         4803
  $ 75001 - 100000     346     $29,345,580    $3,604,535     12.28         1465
  $100001 - 250000     177     $25,080,773    $4,334,142     17.28          761
  OVER $250,000         32     $14,513,660    $4,027,903     27.75          134

                    ______________________________________________________________
  TOTAL               7660    $257,048,547   $26,565,578     10.33        19583
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.3            -0.2           0.0                    0.3
  $     1  -  5000    13.8             1.1           0.1                    2.1
  $  5001 -  10000    11.1             2.4           0.8                    4.4
  $ 10001 -  15000     9.9             3.7           1.6                    6.4
  $ 15001 -  20000     8.1             4.2           2.3                    6.5
  $ 20001 -  25000     6.7             4.5           3.0                    6.4
  $ 25001 -  30000     5.9             4.8           3.2                    6.7
  $ 30001 -  35000     5.7             5.5           3.9                    7.2
  $ 35001 -  40000     5.5             6.2           4.7                    7.5
  $ 40001 -  45000     5.8             7.3           5.7                    8.6
  $ 45001 -  50000     4.7             6.6           5.2                    7.4
  $ 50001 -  75000    15.1            27.0          24.5                   24.5
  $ 75001 - 100000     4.5            11.4          13.6                    7.5
  $100001 - 250000     2.3             9.8          16.3                    3.9
  OVER $250,000        0.4             5.6          15.2                    0.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-14,943           $67                   2.15
  $     1  -  5000                  $2,645           $27                   0.39
  $  5001 -  10000                  $7,347          $238                   1.00
  $ 10001 -  15000                 $12,409          $576                   1.65
  $ 15001 -  20000                 $17,398          $994                   2.05
  $ 20001 -  25000                 $22,383        $1,516                   2.41
  $ 25001 -  30000                 $27,404        $1,893                   2.90
  $ 30001 -  35000                 $32,437        $2,380                   3.26
  $ 35001 -  40000                 $37,399        $2,918                   3.45
  $ 40001 -  45000                 $42,520        $3,432                   3.81
  $ 45001 -  50000                 $47,477        $3,834                   4.05
  $ 50001 -  75000                 $59,877        $5,609                   4.14
  $ 75001 - 100000                 $84,814       $10,418                   4.23
  $100001 - 250000                $141,699       $24,487                   4.30
  OVER $250,000                   $453,552      $125,872                   4.19

                    ______________________________________________________________
  TOTAL                            $33,557        $3,468                   2.56
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      BEAVER UT
                        _________________________________________________
  UNDER $1              27       $-995,211            $0      0.00           94
  $     1  -  5000     227        $646,594        $3,224      0.50          127
  $  5001 -  10000     156      $1,159,829       $19,089      1.65          224
  $ 10001 -  15000     134      $1,698,318       $46,180      2.72          301
  $ 15001 -  20000     125      $2,192,300       $91,289      4.16          325
  $ 20001 -  25000      94      $2,082,922      $106,501      5.11          288
  $ 25001 -  30000      64      $1,763,683      $110,807      6.28          210
  $ 30001 -  35000      61      $1,975,839      $138,060      6.99          219
  $ 35001 -  40000      54      $2,026,093      $149,358      7.37          192
  $ 40001 -  45000      39      $1,658,791      $140,653      8.48          141
  $ 45001 -  50000      36      $1,717,788      $156,300      9.10          133
  $ 50001 -  75000     113      $6,814,134      $728,791     10.70          429
  OVER $ 75,000         22      $2,574,265      $453,718     17.63           81

                    ______________________________________________________________
  TOTAL               1152     $25,315,345    $2,143,970      8.47         2764
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             2.3            -3.9           0.0                    3.4
  $     1  -  5000    19.7             2.6           0.2                    4.6
  $  5001 -  10000    13.5             4.6           0.9                    8.1
  $ 10001 -  15000    11.6             6.7           2.2                   10.9
  $ 15001 -  20000    10.9             8.7           4.3                   11.8
  $ 20001 -  25000     8.2             8.2           5.0                   10.4
  $ 25001 -  30000     5.6             7.0           5.2                    7.6
  $ 30001 -  35000     5.3             7.8           6.4                    7.9
  $ 35001 -  40000     4.7             8.0           7.0                    6.9
  $ 40001 -  45000     3.4             6.6           6.6                    5.1
  $ 45001 -  50000     3.1             6.8           7.3                    4.8
  $ 50001 -  75000     9.8            26.9          34.0                   15.5
  OVER $ 75,000        1.9            10.2          21.2                    2.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-36,860            $0                   3.48
  $     1  -  5000                  $2,848           $14                   0.56
  $  5001 -  10000                  $7,435          $122                   1.44
  $ 10001 -  15000                 $12,674          $345                   2.25
  $ 15001 -  20000                 $17,538          $730                   2.60
  $ 20001 -  25000                 $22,159        $1,133                   3.06
  $ 25001 -  30000                 $27,558        $1,731                   3.28
  $ 30001 -  35000                 $32,391        $2,263                   3.59
  $ 35001 -  40000                 $37,520        $2,766                   3.56
  $ 40001 -  45000                 $42,533        $3,606                   3.62
  $ 45001 -  50000                 $47,716        $4,342                   3.69
  $ 50001 -  75000                 $60,302        $6,449                   3.80
  OVER $ 75,000                   $117,012       $20,624                   3.68

                    ______________________________________________________________
  TOTAL                            $21,975        $1,861                   2.40
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      BENNION UT
                        _________________________________________________
  UNDER $ 5,000        178        $452,784        $2,953      0.65           76
  $  5001 -  10000     140      $1,005,915       $38,130      3.79          129
  $ 10001 -  15000     123      $1,551,448       $88,411      5.70          175
  $ 15001 -  20000     130      $2,236,814      $153,433      6.86          232
  $ 20001 -  25000     106      $2,358,018      $149,038      6.32          269
  $ 25001 -  30000      82      $2,284,072      $172,829      7.57          199
  $ 30001 -  35000      89      $2,912,934      $212,203      7.28          284
  $ 35001 -  40000      92      $3,462,832      $280,185      8.09          302
  $ 40001 -  45000     112      $4,778,332      $376,768      7.88          429
  $ 45001 -  50000     101      $4,799,091      $428,517      8.93          383
  $ 50001 -  75000     311     $18,683,409    $1,831,938      9.81         1190
  $ 75001 - 100000      88      $7,363,297      $944,936     12.83          329
  OVER $100,000         31      $4,418,550      $808,576     18.30          133

                    ______________________________________________________________
  TOTAL               1583     $56,307,496    $5,487,917      9.75         4130
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       11.2             0.8           0.1                    1.8
  $  5001 -  10000     8.8             1.8           0.7                    3.1
  $ 10001 -  15000     7.8             2.8           1.6                    4.2
  $ 15001 -  20000     8.2             4.0           2.8                    5.6
  $ 20001 -  25000     6.7             4.2           2.7                    6.5
  $ 25001 -  30000     5.2             4.1           3.1                    4.8
  $ 30001 -  35000     5.6             5.2           3.9                    6.9
  $ 35001 -  40000     5.8             6.1           5.1                    7.3
  $ 40001 -  45000     7.1             8.5           6.9                   10.4
  $ 45001 -  50000     6.4             8.5           7.8                    9.3
  $ 50001 -  75000    19.6            33.2          33.4                   28.8
  $ 75001 - 100000     5.6            13.1          17.2                    8.0
  OVER $100,000        2.0             7.8          14.7                    3.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,544           $17                   0.43
  $  5001 -  10000                  $7,185          $272                   0.92
  $ 10001 -  15000                 $12,613          $719                   1.42
  $ 15001 -  20000                 $17,206        $1,180                   1.78
  $ 20001 -  25000                 $22,245        $1,406                   2.54
  $ 25001 -  30000                 $27,855        $2,108                   2.43
  $ 30001 -  35000                 $32,730        $2,384                   3.19
  $ 35001 -  40000                 $37,639        $3,045                   3.28
  $ 40001 -  45000                 $42,664        $3,364                   3.83
  $ 45001 -  50000                 $47,516        $4,243                   3.79
  $ 50001 -  75000                 $60,075        $5,890                   3.83
  $ 75001 - 100000                 $83,674       $10,738                   3.74
  OVER $100,000                   $142,534       $26,083                   4.29

                    ______________________________________________________________
  TOTAL                            $35,570        $3,467                   2.61
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      BLANDING UT
                        _________________________________________________
  UNDER $1              12       $-576,677            $0      0.00           25
  $     1  -  5000     287        $706,686        $3,175      0.45          221
  $  5001 -  10000     163      $1,202,028       $23,782      1.98          260
  $ 10001 -  15000     136      $1,680,990       $49,959      2.97          330
  $ 15001 -  20000      98      $1,723,609       $58,050      3.37          305
  $ 20001 -  25000      84      $1,889,764       $93,243      4.93          289
  $ 25001 -  30000      75      $2,047,135      $111,879      5.47          285
  $ 30001 -  35000      62      $2,010,030      $144,592      7.19          222
  $ 35001 -  40000      57      $2,135,130      $164,664      7.71          210
  $ 40001 -  45000      56      $2,381,330      $190,893      8.02          245
  $ 45001 -  50000      47      $2,224,885      $170,560      7.67          216
  $ 50001 -  75000     124      $7,454,220      $760,595     10.20          498
  $ 75001 - 100000      33      $2,804,065      $396,482     14.14          136
  OVER $100,000         13      $2,979,690      $759,515     25.49           54

                    ______________________________________________________________
  TOTAL               1247     $30,662,885    $2,927,389      9.55         3296
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.0            -1.9           0.0                    0.8
  $     1  -  5000    23.0             2.3           0.1                    6.7
  $  5001 -  10000    13.1             3.9           0.8                    7.9
  $ 10001 -  15000    10.9             5.5           1.7                   10.0
  $ 15001 -  20000     7.9             5.6           2.0                    9.3
  $ 20001 -  25000     6.7             6.2           3.2                    8.8
  $ 25001 -  30000     6.0             6.7           3.8                    8.6
  $ 30001 -  35000     5.0             6.6           4.9                    6.7
  $ 35001 -  40000     4.6             7.0           5.6                    6.4
  $ 40001 -  45000     4.5             7.8           6.5                    7.4
  $ 45001 -  50000     3.8             7.3           5.8                    6.6
  $ 50001 -  75000     9.9            24.3          26.0                   15.1
  $ 75001 - 100000     2.6             9.1          13.5                    4.1
  OVER $100,000        1.0             9.7          25.9                    1.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-48,056            $0                   2.08
  $     1  -  5000                  $2,462           $11                   0.77
  $  5001 -  10000                  $7,374          $146                   1.60
  $ 10001 -  15000                 $12,360          $367                   2.43
  $ 15001 -  20000                 $17,588          $592                   3.11
  $ 20001 -  25000                 $22,497        $1,110                   3.44
  $ 25001 -  30000                 $27,295        $1,492                   3.80
  $ 30001 -  35000                 $32,420        $2,332                   3.58
  $ 35001 -  40000                 $37,458        $2,889                   3.68
  $ 40001 -  45000                 $42,524        $3,409                   4.38
  $ 45001 -  50000                 $47,338        $3,629                   4.60
  $ 50001 -  75000                 $60,115        $6,134                   4.02
  $ 75001 - 100000                 $84,972       $12,015                   4.12
  OVER $100,000                   $229,207       $58,424                   4.15

                    ______________________________________________________________
  TOTAL                            $24,589        $2,348                   2.64
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      BLUFFDALE UT
                        _________________________________________________
  UNDER $ 5,000        193        $329,923        $2,691      0.82           52
  $  5001 -  10000     114        $842,279       $31,405      3.73          112
  $ 10001 -  15000     101      $1,254,435       $70,244      5.60          135
  $ 15001 -  20000      77      $1,347,091       $87,859      6.52          145
  $ 20001 -  25000      51      $1,160,815       $66,321      5.71          123
  $ 25001 -  30000      46      $1,266,855       $96,691      7.63          135
  $ 30001 -  35000      52      $1,698,115      $112,326      6.61          189
  $ 35001 -  40000      52      $1,939,338      $133,170      6.87          214
  $ 40001 -  45000      54      $2,284,240      $177,491      7.77          220
  $ 45001 -  50000      78      $3,710,508      $288,531      7.78          334
  $ 50001 -  75000     199     $12,152,134    $1,083,154      8.91          843
  $ 75001 - 100000      88      $7,455,316      $877,407     11.77          379
  OVER $100,000         52     $11,488,306    $2,451,553     21.34          234

                    ______________________________________________________________
  TOTAL               1157     $46,929,355    $5,478,843     11.67         3115
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       16.7             0.7           0.0                    1.7
  $  5001 -  10000     9.9             1.8           0.6                    3.6
  $ 10001 -  15000     8.7             2.7           1.3                    4.3
  $ 15001 -  20000     6.7             2.9           1.6                    4.7
  $ 20001 -  25000     4.4             2.5           1.2                    3.9
  $ 25001 -  30000     4.0             2.7           1.8                    4.3
  $ 30001 -  35000     4.5             3.6           2.1                    6.1
  $ 35001 -  40000     4.5             4.1           2.4                    6.9
  $ 40001 -  45000     4.7             4.9           3.2                    7.1
  $ 45001 -  50000     6.7             7.9           5.3                   10.7
  $ 50001 -  75000    17.2            25.9          19.8                   27.1
  $ 75001 - 100000     7.6            15.9          16.0                   12.2
  OVER $100,000        4.5            24.5          44.7                    7.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,709           $14                   0.27
  $  5001 -  10000                  $7,388          $275                   0.98
  $ 10001 -  15000                 $12,420          $695                   1.34
  $ 15001 -  20000                 $17,495        $1,141                   1.88
  $ 20001 -  25000                 $22,761        $1,300                   2.41
  $ 25001 -  30000                 $27,540        $2,102                   2.93
  $ 30001 -  35000                 $32,656        $2,160                   3.63
  $ 35001 -  40000                 $37,295        $2,561                   4.12
  $ 40001 -  45000                 $42,301        $3,287                   4.07
  $ 45001 -  50000                 $47,571        $3,699                   4.28
  $ 50001 -  75000                 $61,066        $5,443                   4.24
  $ 75001 - 100000                 $84,720        $9,971                   4.31
  OVER $100,000                   $220,929       $47,145                   4.50

                    ______________________________________________________________
  TOTAL                            $40,561        $4,735                   2.69
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      BOUNTIFUL UT
                        _________________________________________________
  UNDER $1              85     $-4,091,691        $8,529     -0.21          180
  $     1  -  5000    2621      $6,641,912       $84,180      1.27          824
  $  5001 -  10000    2021     $14,874,779      $572,615      3.85         1573
  $ 10001 -  15000    1669     $20,748,808    $1,098,971      5.30         2315
  $ 15001 -  20000    1478     $25,750,866    $1,644,127      6.38         2559
  $ 20001 -  25000    1276     $28,603,806    $2,173,495      7.60         2444
  $ 25001 -  30000    1187     $32,631,451    $2,616,811      8.02         2651
  $ 30001 -  35000     972     $31,514,074    $2,733,243      8.67         2357
  $ 35001 -  40000     854     $32,025,575    $2,903,739      9.07         2341
  $ 40001 -  45000     778     $33,003,518    $3,066,996      9.29         2316
  $ 45001 -  50000     675     $32,058,378    $3,046,995      9.50         2112
  $ 50001 -  75000    2528    $155,329,761   $16,400,643     10.56         8530
  $ 75001 - 100000    1121     $95,494,384   $12,284,337     12.86         4077
  $100001 - 250000     945    $132,899,490   $23,294,325     17.53         3543
  OVER $250,000        196     $90,867,149   $24,817,828     27.31          713

                    ______________________________________________________________
  TOTAL              18406    $728,352,260   $96,746,834     13.28        38535
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.6           0.0                    0.5
  $     1  -  5000    14.2             0.9           0.1                    2.1
  $  5001 -  10000    11.0             2.0           0.6                    4.1
  $ 10001 -  15000     9.1             2.8           1.1                    6.0
  $ 15001 -  20000     8.0             3.5           1.7                    6.6
  $ 20001 -  25000     6.9             3.9           2.2                    6.3
  $ 25001 -  30000     6.4             4.5           2.7                    6.9
  $ 30001 -  35000     5.3             4.3           2.8                    6.1
  $ 35001 -  40000     4.6             4.4           3.0                    6.1
  $ 40001 -  45000     4.2             4.5           3.2                    6.0
  $ 45001 -  50000     3.7             4.4           3.1                    5.5
  $ 50001 -  75000    13.7            21.3          17.0                   22.1
  $ 75001 - 100000     6.1            13.1          12.7                   10.6
  $100001 - 250000     5.1            18.2          24.1                    9.2
  OVER $250,000        1.1            12.5          25.7                    1.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-48,138          $100                   2.12
  $     1  -  5000                  $2,534           $32                   0.31
  $  5001 -  10000                  $7,360          $283                   0.78
  $ 10001 -  15000                 $12,432          $658                   1.39
  $ 15001 -  20000                 $17,423        $1,112                   1.73
  $ 20001 -  25000                 $22,417        $1,703                   1.92
  $ 25001 -  30000                 $27,491        $2,205                   2.23
  $ 30001 -  35000                 $32,422        $2,812                   2.42
  $ 35001 -  40000                 $37,501        $3,400                   2.74
  $ 40001 -  45000                 $42,421        $3,942                   2.98
  $ 45001 -  50000                 $47,494        $4,514                   3.13
  $ 50001 -  75000                 $61,444        $6,488                   3.37
  $ 75001 - 100000                 $85,187       $10,958                   3.64
  $100001 - 250000                $140,634       $24,650                   3.75
  OVER $250,000                   $463,608      $126,622                   3.64

                    ______________________________________________________________
  TOTAL                            $39,571        $5,256                   2.09
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      BRIGHAM CITY UT
                        _________________________________________________
  UNDER $1              26       $-687,120        $1,305     -0.19           78
  $     1  -  5000     997      $2,646,309       $28,369      1.07          422
  $  5001 -  10000     721      $5,350,030      $172,956      3.23          705
  $ 10001 -  15000     660      $8,202,933      $357,804      4.36         1062
  $ 15001 -  20000     653     $11,504,310      $684,986      5.95         1297
  $ 20001 -  25000     541     $12,122,808      $838,633      6.92         1223
  $ 25001 -  30000     479     $13,129,569    $1,049,619      7.99         1169
  $ 30001 -  35000     434     $14,153,752    $1,177,961      8.32         1222
  $ 35001 -  40000     384     $14,431,780    $1,283,525      8.89         1234
  $ 40001 -  45000     347     $14,708,406    $1,354,964      9.21         1172
  $ 45001 -  50000     358     $16,984,701    $1,646,654      9.69         1294
  $ 50001 -  75000    1115     $67,364,148    $7,123,633     10.57         4325
  $ 75001 - 100000     323     $27,221,875    $3,778,038     13.88         1234
  $100001 - 250000     138     $19,132,381    $3,546,784     18.54          505
  OVER $250,000         20     $10,053,101    $2,649,336     26.35           72

                    ______________________________________________________________
  TOTAL               7196    $236,318,983   $25,694,567     10.87        17014
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.3           0.0                    0.5
  $     1  -  5000    13.9             1.1           0.1                    2.5
  $  5001 -  10000    10.0             2.3           0.7                    4.1
  $ 10001 -  15000     9.2             3.5           1.4                    6.2
  $ 15001 -  20000     9.1             4.9           2.7                    7.6
  $ 20001 -  25000     7.5             5.1           3.3                    7.2
  $ 25001 -  30000     6.7             5.6           4.1                    6.9
  $ 30001 -  35000     6.0             6.0           4.6                    7.2
  $ 35001 -  40000     5.3             6.1           5.0                    7.3
  $ 40001 -  45000     4.8             6.2           5.3                    6.9
  $ 45001 -  50000     5.0             7.2           6.4                    7.6
  $ 50001 -  75000    15.5            28.5          27.7                   25.4
  $ 75001 - 100000     4.5            11.5          14.7                    7.3
  $100001 - 250000     1.9             8.1          13.8                    3.0
  OVER $250,000        0.3             4.3          10.3                    0.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-26,428           $50                   3.00
  $     1  -  5000                  $2,654           $28                   0.42
  $  5001 -  10000                  $7,420          $240                   0.98
  $ 10001 -  15000                 $12,429          $542                   1.61
  $ 15001 -  20000                 $17,618        $1,049                   1.99
  $ 20001 -  25000                 $22,408        $1,550                   2.26
  $ 25001 -  30000                 $27,410        $2,191                   2.44
  $ 30001 -  35000                 $32,612        $2,714                   2.82
  $ 35001 -  40000                 $37,583        $3,343                   3.21
  $ 40001 -  45000                 $42,387        $3,905                   3.38
  $ 45001 -  50000                 $47,443        $4,600                   3.61
  $ 50001 -  75000                 $60,416        $6,389                   3.88
  $ 75001 - 100000                 $84,278       $11,697                   3.82
  $100001 - 250000                $138,640       $25,701                   3.66
  OVER $250,000                   $502,655      $132,467                   3.60

                    ______________________________________________________________
  TOTAL                            $32,840        $3,571                   2.36
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      CEDAR CITY UT
                        _________________________________________________
  UNDER $1              40       $-836,080        $2,414     -0.29           82
  $     1  -  5000    1445      $3,945,828       $44,790      1.14          954
  $  5001 -  10000    1289      $9,587,947      $245,399      2.56         1734
  $ 10001 -  15000     962     $12,004,283      $436,569      3.64         1895
  $ 15001 -  20000     786     $13,668,635      $728,284      5.33         1726
  $ 20001 -  25000     650     $14,628,794      $938,080      6.41         1674
  $ 25001 -  30000     525     $14,374,161    $1,009,582      7.02         1556
  $ 30001 -  35000     452     $14,637,006    $1,134,188      7.75         1416
  $ 35001 -  40000     379     $14,190,136    $1,220,738      8.60         1190
  $ 40001 -  45000     342     $14,498,364    $1,244,805      8.59         1189
  $ 45001 -  50000     284     $13,487,894    $1,251,812      9.28          990
  $ 50001 -  75000     858     $51,457,887    $5,395,527     10.49         3065
  $ 75001 - 100000     242     $20,547,146    $2,747,121     13.37          877
  $100001 - 250000     135     $18,467,332    $3,234,360     17.51          471
  OVER $250,000         12      $4,752,447    $1,428,239     30.05           41

                    ______________________________________________________________
  TOTAL               8401    $219,411,780   $21,061,908      9.60        18860
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.4           0.0                    0.4
  $     1  -  5000    17.2             1.8           0.2                    5.1
  $  5001 -  10000    15.3             4.4           1.2                    9.2
  $ 10001 -  15000    11.5             5.5           2.1                   10.0
  $ 15001 -  20000     9.4             6.2           3.5                    9.2
  $ 20001 -  25000     7.7             6.7           4.5                    8.9
  $ 25001 -  30000     6.2             6.6           4.8                    8.3
  $ 30001 -  35000     5.4             6.7           5.4                    7.5
  $ 35001 -  40000     4.5             6.5           5.8                    6.3
  $ 40001 -  45000     4.1             6.6           5.9                    6.3
  $ 45001 -  50000     3.4             6.1           5.9                    5.2
  $ 50001 -  75000    10.2            23.5          25.6                   16.3
  $ 75001 - 100000     2.9             9.4          13.0                    4.7
  $100001 - 250000     1.6             8.4          15.4                    2.5
  OVER $250,000        0.1             2.2           6.8                    0.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-20,902           $60                   2.05
  $     1  -  5000                  $2,731           $31                   0.66
  $  5001 -  10000                  $7,438          $190                   1.35
  $ 10001 -  15000                 $12,478          $454                   1.97
  $ 15001 -  20000                 $17,390          $927                   2.20
  $ 20001 -  25000                 $22,506        $1,443                   2.58
  $ 25001 -  30000                 $27,379        $1,923                   2.96
  $ 30001 -  35000                 $32,383        $2,509                   3.13
  $ 35001 -  40000                 $37,441        $3,221                   3.14
  $ 40001 -  45000                 $42,393        $3,640                   3.48
  $ 45001 -  50000                 $47,493        $4,408                   3.49
  $ 50001 -  75000                 $59,974        $6,288                   3.57
  $ 75001 - 100000                 $84,906       $11,352                   3.62
  $100001 - 250000                $136,795       $23,958                   3.49
  OVER $250,000                   $396,037      $119,020                   3.42

                    ______________________________________________________________
  TOTAL                            $26,117        $2,507                   2.24
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      CENTERVILLE UT
                        _________________________________________________
  UNDER $1              11       $-145,486            $0      0.00           15
  $     1  -  5000    1141      $2,909,387       $38,298      1.32          231
  $  5001 -  10000     671      $4,921,968      $221,609      4.50          374
  $ 10001 -  15000     436      $5,409,385      $318,434      5.89          521
  $ 15001 -  20000     352      $6,136,831      $431,734      7.04          529
  $ 20001 -  25000     271      $6,097,363      $440,626      7.23          547
  $ 25001 -  30000     259      $7,133,050      $574,987      8.06          564
  $ 30001 -  35000     235      $7,642,456      $619,690      8.11          625
  $ 35001 -  40000     232      $8,684,187      $751,985      8.66          665
  $ 40001 -  45000     259     $10,998,837      $935,674      8.51          832
  $ 45001 -  50000     234     $11,085,420      $948,538      8.56          865
  $ 50001 -  75000    1021     $63,250,531    $6,000,564      9.49         4108
  $ 75001 - 100000     489     $41,745,198    $5,142,032     12.32         1992
  $100001 - 250000     333     $44,829,019    $7,541,678     16.82         1469
  OVER $250,000         49     $21,679,839    $6,044,329     27.88          229

                    ______________________________________________________________
  TOTAL               5993    $242,377,985   $30,010,178     12.38        13566
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.2            -0.1           0.0                    0.1
  $     1  -  5000    19.0             1.2           0.1                    1.7
  $  5001 -  10000    11.2             2.0           0.7                    2.8
  $ 10001 -  15000     7.3             2.2           1.1                    3.8
  $ 15001 -  20000     5.9             2.5           1.4                    3.9
  $ 20001 -  25000     4.5             2.5           1.5                    4.0
  $ 25001 -  30000     4.3             2.9           1.9                    4.2
  $ 30001 -  35000     3.9             3.2           2.1                    4.6
  $ 35001 -  40000     3.9             3.6           2.5                    4.9
  $ 40001 -  45000     4.3             4.5           3.1                    6.1
  $ 45001 -  50000     3.9             4.6           3.2                    6.4
  $ 50001 -  75000    17.0            26.1          20.0                   30.3
  $ 75001 - 100000     8.2            17.2          17.1                   14.7
  $100001 - 250000     5.6            18.5          25.1                   10.8
  OVER $250,000        0.8             8.9          20.1                    1.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-13,226            $0                   1.36
  $     1  -  5000                  $2,550           $34                   0.20
  $  5001 -  10000                  $7,335          $330                   0.56
  $ 10001 -  15000                 $12,407          $730                   1.19
  $ 15001 -  20000                 $17,434        $1,227                   1.50
  $ 20001 -  25000                 $22,499        $1,626                   2.02
  $ 25001 -  30000                 $27,541        $2,220                   2.18
  $ 30001 -  35000                 $32,521        $2,637                   2.66
  $ 35001 -  40000                 $37,432        $3,241                   2.87
  $ 40001 -  45000                 $42,467        $3,613                   3.21
  $ 45001 -  50000                 $47,374        $4,054                   3.70
  $ 50001 -  75000                 $61,950        $5,877                   4.02
  $ 75001 - 100000                 $85,369       $10,515                   4.07
  $100001 - 250000                $134,622       $22,648                   4.41
  OVER $250,000                   $442,446      $123,354                   4.67

                    ______________________________________________________________
  TOTAL                            $40,444        $5,008                   2.26
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      CLEARFIELD UT
                        _________________________________________________
  UNDER $1              21       $-194,741        $1,106     -0.57           47
  $     1  -  5000     995      $2,568,867        $8,075      0.31          738
  $  5001 -  10000     941      $7,039,397      $182,415      2.59         1195
  $ 10001 -  15000     888     $11,160,233      $491,785      4.41         1527
  $ 15001 -  20000     837     $14,647,149      $887,468      6.06         1676
  $ 20001 -  25000     822     $18,479,805    $1,312,929      7.10         1834
  $ 25001 -  30000     709     $19,518,078    $1,522,899      7.80         1806
  $ 30001 -  35000     651     $21,163,073    $1,737,474      8.21         1868
  $ 35001 -  40000     566     $21,205,801    $1,875,378      8.84         1750
  $ 40001 -  45000     472     $20,011,988    $1,877,563      9.38         1480
  $ 45001 -  50000     384     $18,265,673    $1,789,401      9.80         1232
  $ 50001 -  75000    1047     $62,212,535    $6,697,985     10.77         3616
  $ 75001 - 100000     210     $17,555,624    $2,428,016     13.83          790
  OVER $100,000         54      $7,259,249    $1,359,000     18.72          183

                    ______________________________________________________________
  TOTAL               8597    $240,892,731   $22,171,494      9.20        19742
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.2            -0.1           0.0                    0.2
  $     1  -  5000    11.6             1.1           0.0                    3.7
  $  5001 -  10000    10.9             2.9           0.8                    6.1
  $ 10001 -  15000    10.3             4.6           2.2                    7.7
  $ 15001 -  20000     9.7             6.1           4.0                    8.5
  $ 20001 -  25000     9.6             7.7           5.9                    9.3
  $ 25001 -  30000     8.2             8.1           6.9                    9.1
  $ 30001 -  35000     7.6             8.8           7.8                    9.5
  $ 35001 -  40000     6.6             8.8           8.5                    8.9
  $ 40001 -  45000     5.5             8.3           8.5                    7.5
  $ 45001 -  50000     4.5             7.6           8.1                    6.2
  $ 50001 -  75000    12.2            25.8          30.2                   18.3
  $ 75001 - 100000     2.4             7.3          11.0                    4.0
  OVER $100,000        0.6             3.0           6.1                    0.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-9,273           $53                   2.24
  $     1  -  5000                  $2,582            $8                   0.74
  $  5001 -  10000                  $7,481          $194                   1.27
  $ 10001 -  15000                 $12,568          $554                   1.72
  $ 15001 -  20000                 $17,500        $1,060                   2.00
  $ 20001 -  25000                 $22,482        $1,597                   2.23
  $ 25001 -  30000                 $27,529        $2,148                   2.55
  $ 30001 -  35000                 $32,509        $2,669                   2.87
  $ 35001 -  40000                 $37,466        $3,313                   3.09
  $ 40001 -  45000                 $42,398        $3,978                   3.14
  $ 45001 -  50000                 $47,567        $4,660                   3.21
  $ 50001 -  75000                 $59,420        $6,397                   3.45
  $ 75001 - 100000                 $83,598       $11,562                   3.76
  OVER $100,000                   $134,431       $25,167                   3.39

                    ______________________________________________________________
  TOTAL                            $28,021        $2,579                   2.30
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      CLINTON UT
                        _________________________________________________
  UNDER $1              10       $-375,279          $891     -0.24           17
  $     1  -  5000     493      $1,284,177       $11,400      0.89          135
  $  5001 -  10000     391      $2,863,496      $115,882      4.05          254
  $ 10001 -  15000     279      $3,478,507      $189,381      5.44          376
  $ 15001 -  20000     247      $4,316,137      $288,968      6.70          446
  $ 20001 -  25000     242      $5,440,983      $396,249      7.28          530
  $ 25001 -  30000     215      $5,919,475      $438,300      7.40          595
  $ 30001 -  35000     213      $6,937,497      $522,117      7.53          682
  $ 35001 -  40000     258      $9,687,817      $783,803      8.09          869
  $ 40001 -  45000     237     $10,061,415      $847,209      8.42          861
  $ 45001 -  50000     203      $9,639,980      $844,858      8.76          788
  $ 50001 -  75000     601     $36,223,282    $3,675,395     10.15         2327
  $ 75001 - 100000     130     $10,878,358    $1,525,838     14.03          479
  OVER $100,000         35      $5,286,282    $1,010,916     19.12          136

                    ______________________________________________________________
  TOTAL               3554    $111,642,127   $10,651,207      9.54         8495
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.3            -0.3           0.0                    0.2
  $     1  -  5000    13.9             1.2           0.1                    1.6
  $  5001 -  10000    11.0             2.6           1.1                    3.0
  $ 10001 -  15000     7.9             3.1           1.8                    4.4
  $ 15001 -  20000     6.9             3.9           2.7                    5.3
  $ 20001 -  25000     6.8             4.9           3.7                    6.2
  $ 25001 -  30000     6.0             5.3           4.1                    7.0
  $ 30001 -  35000     6.0             6.2           4.9                    8.0
  $ 35001 -  40000     7.3             8.7           7.4                   10.2
  $ 40001 -  45000     6.7             9.0           8.0                   10.1
  $ 45001 -  50000     5.7             8.6           7.9                    9.3
  $ 50001 -  75000    16.9            32.4          34.5                   27.4
  $ 75001 - 100000     3.7             9.7          14.3                    5.6
  OVER $100,000        1.0             4.7           9.5                    1.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-37,528           $89                   1.70
  $     1  -  5000                  $2,605           $23                   0.27
  $  5001 -  10000                  $7,324          $296                   0.65
  $ 10001 -  15000                 $12,468          $679                   1.35
  $ 15001 -  20000                 $17,474        $1,170                   1.81
  $ 20001 -  25000                 $22,483        $1,637                   2.19
  $ 25001 -  30000                 $27,532        $2,039                   2.77
  $ 30001 -  35000                 $32,570        $2,451                   3.20
  $ 35001 -  40000                 $37,550        $3,038                   3.37
  $ 40001 -  45000                 $42,453        $3,575                   3.63
  $ 45001 -  50000                 $47,488        $4,162                   3.88
  $ 50001 -  75000                 $60,272        $6,115                   3.87
  $ 75001 - 100000                 $83,680       $11,737                   3.68
  OVER $100,000                   $151,037       $28,883                   3.89

                    ______________________________________________________________
  TOTAL                            $31,413        $2,997                   2.39
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      COALVILLE UT
                        _________________________________________________
  UNDER $1              10       $-557,072            $0      0.00           24
  $     1  -  5000     157        $447,099        $3,972      0.89           52
  $  5001 -  10000     141        $964,277       $32,619      3.38           94
  $ 10001 -  15000      95      $1,171,088       $55,863      4.77          144
  $ 15001 -  20000      72      $1,258,802       $82,867      6.58          128
  $ 20001 -  25000      77      $1,735,517      $119,844      6.91          176
  $ 25001 -  30000      55      $1,497,961      $106,895      7.14          167
  $ 30001 -  35000      57      $1,861,823      $153,830      8.26          151
  $ 35001 -  40000      60      $2,259,013      $180,389      7.99          225
  $ 40001 -  45000      45      $1,890,483      $166,844      8.83          142
  $ 45001 -  50000      56      $2,661,163      $246,323      9.26          192
  $ 50001 -  75000     173     $10,358,367    $1,077,205     10.40          659
  $ 75001 - 100000      19      $1,641,944      $239,051     14.56           64
  OVER $100,000         31      $6,946,251    $1,758,210     25.31          106

                    ______________________________________________________________
  TOTAL               1048     $34,136,716    $4,223,912     12.37         2324
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.0            -1.6           0.0                    1.0
  $     1  -  5000    15.0             1.3           0.1                    2.2
  $  5001 -  10000    13.5             2.8           0.8                    4.0
  $ 10001 -  15000     9.1             3.4           1.3                    6.2
  $ 15001 -  20000     6.9             3.7           2.0                    5.5
  $ 20001 -  25000     7.3             5.1           2.8                    7.6
  $ 25001 -  30000     5.2             4.4           2.5                    7.2
  $ 30001 -  35000     5.4             5.5           3.6                    6.5
  $ 35001 -  40000     5.7             6.6           4.3                    9.7
  $ 40001 -  45000     4.3             5.5           3.9                    6.1
  $ 45001 -  50000     5.3             7.8           5.8                    8.3
  $ 50001 -  75000    16.5            30.3          25.5                   28.4
  $ 75001 - 100000     1.8             4.8           5.7                    2.8
  OVER $100,000        3.0            20.3          41.6                    4.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-55,707            $0                   2.40
  $     1  -  5000                  $2,848           $25                   0.33
  $  5001 -  10000                  $6,839          $231                   0.67
  $ 10001 -  15000                 $12,327          $588                   1.52
  $ 15001 -  20000                 $17,483        $1,151                   1.78
  $ 20001 -  25000                 $22,539        $1,556                   2.29
  $ 25001 -  30000                 $27,236        $1,944                   3.04
  $ 30001 -  35000                 $32,664        $2,699                   2.65
  $ 35001 -  40000                 $37,650        $3,006                   3.75
  $ 40001 -  45000                 $42,011        $3,708                   3.16
  $ 45001 -  50000                 $47,521        $4,399                   3.43
  $ 50001 -  75000                 $59,875        $6,227                   3.81
  $ 75001 - 100000                 $86,418       $12,582                   3.37
  OVER $100,000                   $224,073       $56,716                   3.42

                    ______________________________________________________________
  TOTAL                            $32,573        $4,030                   2.22
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      DELTA UT
                        _________________________________________________
  UNDER $1              29       $-842,493        $1,201     -0.14           59
  $     1  -  5000     337        $886,756        $6,120      0.69          170
  $  5001 -  10000     257      $1,865,197       $49,762      2.67          307
  $ 10001 -  15000     164      $2,063,750       $80,804      3.92          339
  $ 15001 -  20000     131      $2,288,579       $98,133      4.29          356
  $ 20001 -  25000     127      $2,876,830      $165,692      5.76          378
  $ 25001 -  30000      95      $2,610,740      $167,546      6.42          314
  $ 30001 -  35000      94      $3,060,904      $211,168      6.90          357
  $ 35001 -  40000      71      $2,666,746      $205,543      7.71          285
  $ 40001 -  45000      86      $3,662,223      $310,215      8.47          322
  $ 45001 -  50000      83      $3,981,208      $355,706      8.93          337
  $ 50001 -  75000     305     $18,324,492    $1,881,861     10.27         1345
  $ 75001 - 100000      51      $4,257,798      $577,892     13.57          222
  OVER $100,000         14      $2,492,370      $447,997     17.97           73

                    ______________________________________________________________
  TOTAL               1844     $50,195,100    $4,559,640      9.08         4864
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.6            -1.7           0.0                    1.2
  $     1  -  5000    18.3             1.8           0.1                    3.5
  $  5001 -  10000    13.9             3.7           1.1                    6.3
  $ 10001 -  15000     8.9             4.1           1.8                    7.0
  $ 15001 -  20000     7.1             4.6           2.2                    7.3
  $ 20001 -  25000     6.9             5.7           3.6                    7.8
  $ 25001 -  30000     5.2             5.2           3.7                    6.5
  $ 30001 -  35000     5.1             6.1           4.6                    7.3
  $ 35001 -  40000     3.9             5.3           4.5                    5.9
  $ 40001 -  45000     4.7             7.3           6.8                    6.6
  $ 45001 -  50000     4.5             7.9           7.8                    6.9
  $ 50001 -  75000    16.5            36.5          41.3                   27.7
  $ 75001 - 100000     2.8             8.5          12.7                    4.6
  OVER $100,000        0.8             5.0           9.8                    1.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-29,051           $41                   2.03
  $     1  -  5000                  $2,631           $18                   0.50
  $  5001 -  10000                  $7,258          $194                   1.19
  $ 10001 -  15000                 $12,584          $493                   2.07
  $ 15001 -  20000                 $17,470          $749                   2.72
  $ 20001 -  25000                 $22,652        $1,305                   2.98
  $ 25001 -  30000                 $27,481        $1,764                   3.31
  $ 30001 -  35000                 $32,563        $2,246                   3.80
  $ 35001 -  40000                 $37,560        $2,895                   4.01
  $ 40001 -  45000                 $42,584        $3,607                   3.74
  $ 45001 -  50000                 $47,966        $4,286                   4.06
  $ 50001 -  75000                 $60,080        $6,170                   4.41
  $ 75001 - 100000                 $83,486       $11,331                   4.35
  OVER $100,000                   $178,026       $32,000                   5.21

                    ______________________________________________________________
  TOTAL                            $27,221        $2,473                   2.64
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      DRAPER UT
                        _________________________________________________
  UNDER $1              22       $-743,116        $4,278     -0.58           45
  $     1  -  5000     639      $1,604,156       $17,754      1.11          217
  $  5001 -  10000     435      $3,204,758      $117,420      3.66          343
  $ 10001 -  15000     305      $3,832,286      $217,019      5.66          393
  $ 15001 -  20000     257      $4,434,497      $286,160      6.45          450
  $ 20001 -  25000     242      $5,418,211      $394,467      7.28          491
  $ 25001 -  30000     203      $5,584,872      $415,630      7.44          477
  $ 30001 -  35000     201      $6,533,746      $535,100      8.19          527
  $ 35001 -  40000     178      $6,652,509      $535,671      8.05          548
  $ 40001 -  45000     155      $6,570,138      $530,018      8.07          516
  $ 45001 -  50000     202      $9,557,535      $803,755      8.41          687
  $ 50001 -  75000     857     $52,905,876    $5,077,343      9.60         3072
  $ 75001 - 100000     503     $42,997,723    $5,158,914     12.00         1909
  $100001 - 250000     432     $60,533,136   $10,634,728     17.57         1613
  OVER $250,000         66     $32,824,965    $9,558,354     29.12          250

                    ______________________________________________________________
  TOTAL               4697    $241,911,292   $34,286,611     14.17        11538
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.3           0.0                    0.4
  $     1  -  5000    13.6             0.7           0.1                    1.9
  $  5001 -  10000     9.3             1.3           0.3                    3.0
  $ 10001 -  15000     6.5             1.6           0.6                    3.4
  $ 15001 -  20000     5.5             1.8           0.8                    3.9
  $ 20001 -  25000     5.2             2.2           1.2                    4.3
  $ 25001 -  30000     4.3             2.3           1.2                    4.1
  $ 30001 -  35000     4.3             2.7           1.6                    4.6
  $ 35001 -  40000     3.8             2.7           1.6                    4.7
  $ 40001 -  45000     3.3             2.7           1.5                    4.5
  $ 45001 -  50000     4.3             4.0           2.3                    6.0
  $ 50001 -  75000    18.2            21.9          14.8                   26.6
  $ 75001 - 100000    10.7            17.8          15.0                   16.5
  $100001 - 250000     9.2            25.0          31.0                   14.0
  OVER $250,000        1.4            13.6          27.9                    2.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-33,778          $194                   2.05
  $     1  -  5000                  $2,510           $28                   0.34
  $  5001 -  10000                  $7,367          $270                   0.79
  $ 10001 -  15000                 $12,565          $712                   1.29
  $ 15001 -  20000                 $17,255        $1,113                   1.75
  $ 20001 -  25000                 $22,389        $1,630                   2.03
  $ 25001 -  30000                 $27,512        $2,047                   2.35
  $ 30001 -  35000                 $32,506        $2,662                   2.62
  $ 35001 -  40000                 $37,374        $3,009                   3.08
  $ 40001 -  45000                 $42,388        $3,419                   3.33
  $ 45001 -  50000                 $47,315        $3,979                   3.40
  $ 50001 -  75000                 $61,734        $5,925                   3.58
  $ 75001 - 100000                 $85,483       $10,256                   3.80
  $100001 - 250000                $140,123       $24,617                   3.73
  OVER $250,000                   $497,348      $144,824                   3.79

                    ______________________________________________________________
  TOTAL                            $51,503        $7,300                   2.46
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      DUCHESNE UT
                        _________________________________________________
  UNDER $1              10       $-248,002         $-245      0.10           21
  $     1  -  5000     130        $338,153        $4,077      1.21          116
  $  5001 -  10000     113        $826,224       $12,113      1.47          214
  $ 10001 -  15000      92      $1,122,806       $36,180      3.22          192
  $ 15001 -  20000      66      $1,163,688       $50,304      4.32          177
  $ 20001 -  25000      69      $1,577,281       $95,403      6.05          212
  $ 25001 -  30000      61      $1,669,189      $109,138      6.54          202
  $ 30001 -  35000      62      $2,034,643      $147,242      7.24          231
  $ 35001 -  40000      33      $1,236,715      $100,813      8.15          131
  $ 40001 -  45000      43      $1,821,239      $162,531      8.92          137
  $ 45001 -  50000      20        $946,116      $101,418     10.72           59
  $ 50001 - 250000      66      $4,367,443      $532,747     12.20          247

                    ______________________________________________________________
  TOTAL                765     $16,855,495    $1,351,721      8.02         1939
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.3            -1.5          -0.0                    1.1
  $     1  -  5000    17.0             2.0           0.3                    6.0
  $  5001 -  10000    14.8             4.9           0.9                   11.0
  $ 10001 -  15000    12.0             6.7           2.7                    9.9
  $ 15001 -  20000     8.6             6.9           3.7                    9.1
  $ 20001 -  25000     9.0             9.4           7.1                   10.9
  $ 25001 -  30000     8.0             9.9           8.1                   10.4
  $ 30001 -  35000     8.1            12.1          10.9                   11.9
  $ 35001 -  40000     4.3             7.3           7.5                    6.8
  $ 40001 -  45000     5.6            10.8          12.0                    7.1
  $ 45001 -  50000     2.6             5.6           7.5                    3.0
  $ 50001 - 250000     8.6            25.9          39.4                   12.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-24,800          $-25                   2.10
  $     1  -  5000                  $2,601           $31                   0.89
  $  5001 -  10000                  $7,312          $107                   1.89
  $ 10001 -  15000                 $12,204          $393                   2.09
  $ 15001 -  20000                 $17,632          $762                   2.68
  $ 20001 -  25000                 $22,859        $1,383                   3.07
  $ 25001 -  30000                 $27,364        $1,789                   3.31
  $ 30001 -  35000                 $32,817        $2,375                   3.73
  $ 35001 -  40000                 $37,476        $3,055                   3.97
  $ 40001 -  45000                 $42,354        $3,780                   3.19
  $ 45001 -  50000                 $47,306        $5,071                   2.95
  $ 50001 - 250000                 $66,173        $8,072                   3.74

                    ______________________________________________________________
  TOTAL                            $22,033        $1,767                   2.53
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      EDEN UT
                        _________________________________________________
  UNDER $ 5,000        118        $274,141        $1,671      0.61           45
  $  5001 -  10000      73        $540,014       $20,129      3.73           64
  $ 10001 -  15000      57        $708,087       $39,443      5.57           79
  $ 15001 -  20000      51        $867,159       $46,838      5.40          104
  $ 20001 -  25000      31        $696,456       $50,394      7.24           69
  $ 25001 -  30000      40      $1,118,418       $88,812      7.94           84
  $ 30001 -  35000      46      $1,497,661      $118,572      7.92          127
  $ 35001 -  40000      32      $1,195,077       $98,477      8.24           90
  $ 40001 -  45000      52      $2,219,880      $200,696      9.04          154
  $ 45001 -  50000      37      $1,766,492      $169,604      9.60          115
  $ 50001 -  75000     165     $10,068,412    $1,079,728     10.72          559
  $ 75001 - 100000      83      $7,147,834      $937,616     13.12          301
  OVER $100,000         57      $9,094,205    $1,815,892     19.97          197

                    ______________________________________________________________
  TOTAL                842     $37,193,836    $4,667,872     12.55         1988
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       14.0             0.7           0.0                    2.3
  $  5001 -  10000     8.7             1.5           0.4                    3.2
  $ 10001 -  15000     6.8             1.9           0.8                    4.0
  $ 15001 -  20000     6.1             2.3           1.0                    5.2
  $ 20001 -  25000     3.7             1.9           1.1                    3.5
  $ 25001 -  30000     4.8             3.0           1.9                    4.2
  $ 30001 -  35000     5.5             4.0           2.5                    6.4
  $ 35001 -  40000     3.8             3.2           2.1                    4.5
  $ 40001 -  45000     6.2             6.0           4.3                    7.7
  $ 45001 -  50000     4.4             4.7           3.6                    5.8
  $ 50001 -  75000    19.6            27.1          23.1                   28.1
  $ 75001 - 100000     9.9            19.2          20.1                   15.1
  OVER $100,000        6.8            24.5          38.9                    9.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,323           $14                   0.38
  $  5001 -  10000                  $7,397          $276                   0.88
  $ 10001 -  15000                 $12,423          $692                   1.39
  $ 15001 -  20000                 $17,003          $918                   2.04
  $ 20001 -  25000                 $22,466        $1,626                   2.23
  $ 25001 -  30000                 $27,960        $2,220                   2.10
  $ 30001 -  35000                 $32,558        $2,578                   2.76
  $ 35001 -  40000                 $37,346        $3,077                   2.81
  $ 40001 -  45000                 $42,690        $3,860                   2.96
  $ 45001 -  50000                 $47,743        $4,584                   3.11
  $ 50001 -  75000                 $61,021        $6,544                   3.39
  $ 75001 - 100000                 $86,118       $11,297                   3.63
  OVER $100,000                   $159,547       $31,858                   3.46

                    ______________________________________________________________
  TOTAL                            $44,173        $5,544                   2.36
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      EPHRAIM UT
                        _________________________________________________
  UNDER $1              10       $-183,042            $0      0.00           28
  $     1  -  5000     267        $693,870        $4,814      0.69          134
  $  5001 -  10000     162      $1,184,946       $24,672      2.08          209
  $ 10001 -  15000     133      $1,669,362       $54,630      3.27          286
  $ 15001 -  20000      82      $1,406,772       $61,005      4.34          207
  $ 20001 -  25000      80      $1,780,627      $104,147      5.85          235
  $ 25001 -  30000      62      $1,696,112      $115,230      6.79          188
  $ 30001 -  35000      56      $1,804,311      $118,852      6.59          215
  $ 35001 -  40000      38      $1,422,714      $104,802      7.37          154
  $ 40001 -  45000      36      $1,543,227      $122,868      7.96          154
  $ 45001 -  50000      41      $1,948,386      $154,945      7.95          191
  $ 50001 -  75000     107      $6,420,776      $622,935      9.70          475
  $ 75001 - 100000      27      $2,309,652      $296,996     12.86          122
  OVER $100,000         24      $3,692,186      $726,988     19.69          100

                    ______________________________________________________________
  TOTAL               1125     $27,389,899    $2,512,884      9.17         2698
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.9            -0.7           0.0                    1.0
  $     1  -  5000    23.7             2.5           0.2                    5.0
  $  5001 -  10000    14.4             4.3           1.0                    7.7
  $ 10001 -  15000    11.8             6.1           2.2                   10.6
  $ 15001 -  20000     7.3             5.1           2.4                    7.7
  $ 20001 -  25000     7.1             6.5           4.1                    8.7
  $ 25001 -  30000     5.5             6.2           4.6                    7.0
  $ 30001 -  35000     5.0             6.6           4.7                    8.0
  $ 35001 -  40000     3.4             5.2           4.2                    5.7
  $ 40001 -  45000     3.2             5.6           4.9                    5.7
  $ 45001 -  50000     3.6             7.1           6.2                    7.1
  $ 50001 -  75000     9.5            23.4          24.8                   17.6
  $ 75001 - 100000     2.4             8.4          11.8                    4.5
  OVER $100,000        2.1            13.5          28.9                    3.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-18,304            $0                   2.80
  $     1  -  5000                  $2,599           $18                   0.50
  $  5001 -  10000                  $7,314          $152                   1.29
  $ 10001 -  15000                 $12,552          $411                   2.15
  $ 15001 -  20000                 $17,156          $744                   2.52
  $ 20001 -  25000                 $22,258        $1,302                   2.94
  $ 25001 -  30000                 $27,357        $1,859                   3.03
  $ 30001 -  35000                 $32,220        $2,122                   3.84
  $ 35001 -  40000                 $37,440        $2,758                   4.05
  $ 40001 -  45000                 $42,867        $3,413                   4.28
  $ 45001 -  50000                 $47,522        $3,779                   4.66
  $ 50001 -  75000                 $60,007        $5,822                   4.44
  $ 75001 - 100000                 $85,543       $11,000                   4.52
  OVER $100,000                   $153,841       $30,291                   4.17

                    ______________________________________________________________
  TOTAL                            $24,347        $2,234                   2.40
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      FARMINGTON UT
                        _________________________________________________
  UNDER $1              18       $-229,273        $1,391     -0.61           24
  $     1  -  5000     793      $1,914,544       $28,707      1.50          143
  $  5001 -  10000     411      $3,043,283      $131,387      4.32          268
  $ 10001 -  15000     263      $3,251,425      $199,005      6.12          315
  $ 15001 -  20000     251      $4,396,898      $266,263      6.06          464
  $ 20001 -  25000     189      $4,225,822      $295,898      7.00          409
  $ 25001 -  30000     176      $4,875,278      $363,971      7.47          454
  $ 30001 -  35000     159      $5,175,984      $406,933      7.86          441
  $ 35001 -  40000     160      $5,992,466      $461,509      7.70          523
  $ 40001 -  45000     164      $6,997,172      $591,436      8.45          571
  $ 45001 -  50000     160      $7,611,851      $643,539      8.45          604
  $ 50001 -  75000     699     $42,836,915    $3,964,229      9.25         2874
  $ 75001 - 100000     314     $26,755,183    $3,177,109     11.87         1318
  $100001 - 250000     304     $43,107,468    $7,293,454     16.92         1324
  OVER $250,000         63     $33,070,130    $8,757,419     26.48          309

                    ______________________________________________________________
  TOTAL               4124    $193,025,146   $26,582,250     13.77        10041
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.1           0.0                    0.2
  $     1  -  5000    19.2             1.0           0.1                    1.4
  $  5001 -  10000    10.0             1.6           0.5                    2.7
  $ 10001 -  15000     6.4             1.7           0.7                    3.1
  $ 15001 -  20000     6.1             2.3           1.0                    4.6
  $ 20001 -  25000     4.6             2.2           1.1                    4.1
  $ 25001 -  30000     4.3             2.5           1.4                    4.5
  $ 30001 -  35000     3.9             2.7           1.5                    4.4
  $ 35001 -  40000     3.9             3.1           1.7                    5.2
  $ 40001 -  45000     4.0             3.6           2.2                    5.7
  $ 45001 -  50000     3.9             3.9           2.4                    6.0
  $ 50001 -  75000    16.9            22.2          14.9                   28.6
  $ 75001 - 100000     7.6            13.9          12.0                   13.1
  $100001 - 250000     7.4            22.3          27.4                   13.2
  OVER $250,000        1.5            17.1          32.9                    3.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-12,737           $77                   1.33
  $     1  -  5000                  $2,414           $36                   0.18
  $  5001 -  10000                  $7,405          $320                   0.65
  $ 10001 -  15000                 $12,363          $757                   1.20
  $ 15001 -  20000                 $17,518        $1,061                   1.85
  $ 20001 -  25000                 $22,359        $1,566                   2.16
  $ 25001 -  30000                 $27,700        $2,068                   2.58
  $ 30001 -  35000                 $32,553        $2,559                   2.77
  $ 35001 -  40000                 $37,453        $2,884                   3.27
  $ 40001 -  45000                 $42,666        $3,606                   3.48
  $ 45001 -  50000                 $47,574        $4,022                   3.78
  $ 50001 -  75000                 $61,283        $5,671                   4.11
  $ 75001 - 100000                 $85,208       $10,118                   4.20
  $100001 - 250000                $141,801       $23,992                   4.36
  OVER $250,000                   $524,923      $139,007                   4.90

                    ______________________________________________________________
  TOTAL                            $46,805        $6,446                   2.43
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      FILLMORE UT
                        _________________________________________________
  UNDER $1              18       $-616,127            $0      0.00           54
  $     1  -  5000     153        $417,957        $2,527      0.60          108
  $  5001 -  10000     107        $793,384       $18,827      2.37          169
  $ 10001 -  15000      88      $1,090,361       $44,500      4.08          184
  $ 15001 -  20000      85      $1,463,889       $59,224      4.05          243
  $ 20001 -  25000      59      $1,322,741       $73,139      5.53          170
  $ 25001 -  30000      57      $1,555,483       $94,049      6.05          205
  $ 30001 -  35000      56      $1,821,793      $125,683      6.90          202
  $ 35001 -  40000      48      $1,797,914      $154,241      8.58          164
  $ 40001 -  45000      44      $1,861,758      $157,590      8.46          188
  $ 45001 -  50000      36      $1,702,315      $142,446      8.37          163
  $ 50001 -  75000      87      $5,198,022      $545,260     10.49          329
  $ 75001 - 100000      20      $1,741,341      $260,488     14.96           64
  OVER $100,000         11      $1,682,719      $339,752     20.19           45

                    ______________________________________________________________
  TOTAL                869     $21,833,550    $2,017,726      9.24         2288
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             2.1            -2.8           0.0                    2.4
  $     1  -  5000    17.6             1.9           0.1                    4.7
  $  5001 -  10000    12.3             3.6           0.9                    7.4
  $ 10001 -  15000    10.1             5.0           2.2                    8.0
  $ 15001 -  20000     9.8             6.7           2.9                   10.6
  $ 20001 -  25000     6.8             6.1           3.6                    7.4
  $ 25001 -  30000     6.6             7.1           4.7                    9.0
  $ 30001 -  35000     6.4             8.3           6.2                    8.8
  $ 35001 -  40000     5.5             8.2           7.6                    7.2
  $ 40001 -  45000     5.1             8.5           7.8                    8.2
  $ 45001 -  50000     4.1             7.8           7.1                    7.1
  $ 50001 -  75000    10.0            23.8          27.0                   14.4
  $ 75001 - 100000     2.3             8.0          12.9                    2.8
  OVER $100,000        1.3             7.7          16.8                    2.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-34,229            $0                   3.00
  $     1  -  5000                  $2,732           $17                   0.71
  $  5001 -  10000                  $7,415          $176                   1.58
  $ 10001 -  15000                 $12,390          $506                   2.09
  $ 15001 -  20000                 $17,222          $697                   2.86
  $ 20001 -  25000                 $22,419        $1,240                   2.88
  $ 25001 -  30000                 $27,289        $1,650                   3.60
  $ 30001 -  35000                 $32,532        $2,244                   3.61
  $ 35001 -  40000                 $37,457        $3,213                   3.42
  $ 40001 -  45000                 $42,313        $3,582                   4.27
  $ 45001 -  50000                 $47,287        $3,957                   4.53
  $ 50001 -  75000                 $59,747        $6,267                   3.78
  $ 75001 - 100000                 $87,067       $13,024                   3.20
  OVER $100,000                   $152,974       $30,887                   4.09

                    ______________________________________________________________
  TOTAL                            $25,125        $2,322                   2.63
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      FRUIT HEIGHTS UT
                        _________________________________________________
  UNDER $ 5,000        382        $960,869       $13,959      1.45           73
  $  5001 -  10000     214      $1,546,941       $74,101      4.79          117
  $ 10001 -  15000     113      $1,411,434       $99,404      7.04           97
  $ 15001 -  20000      85      $1,478,100       $97,144      6.57          144
  $ 20001 -  25000      74      $1,661,137      $126,465      7.61          139
  $ 25001 -  30000      49      $1,331,031      $104,352      7.84          105
  $ 30001 -  35000      50      $1,620,545      $136,244      8.41          119
  $ 35001 -  40000      50      $1,860,546      $143,848      7.73          140
  $ 40001 -  45000      55      $2,331,632      $217,877      9.34          170
  $ 45001 -  50000      60      $2,868,577      $235,937      8.22          228
  $ 50001 -  75000     277     $17,309,679    $1,613,638      9.32         1153
  $ 75001 - 100000     143     $12,257,189    $1,478,380     12.06          583
  $100001 - 250000     135     $17,866,096    $2,888,168     16.17          620
  OVER $250,000         24     $14,623,875    $4,291,455     29.35          108

                    ______________________________________________________________
  TOTAL               1711     $79,127,651   $11,520,972     14.56         3796
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       22.3             1.2           0.1                    1.9
  $  5001 -  10000    12.5             2.0           0.6                    3.1
  $ 10001 -  15000     6.6             1.8           0.9                    2.6
  $ 15001 -  20000     5.0             1.9           0.8                    3.8
  $ 20001 -  25000     4.3             2.1           1.1                    3.7
  $ 25001 -  30000     2.9             1.7           0.9                    2.8
  $ 30001 -  35000     2.9             2.0           1.2                    3.1
  $ 35001 -  40000     2.9             2.4           1.2                    3.7
  $ 40001 -  45000     3.2             2.9           1.9                    4.5
  $ 45001 -  50000     3.5             3.6           2.0                    6.0
  $ 50001 -  75000    16.2            21.9          14.0                   30.4
  $ 75001 - 100000     8.4            15.5          12.8                   15.4
  $100001 - 250000     7.9            22.6          25.1                   16.3
  OVER $250,000        1.4            18.5          37.2                    2.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,515           $37                   0.19
  $  5001 -  10000                  $7,229          $346                   0.55
  $ 10001 -  15000                 $12,491          $880                   0.86
  $ 15001 -  20000                 $17,389        $1,143                   1.69
  $ 20001 -  25000                 $22,448        $1,709                   1.88
  $ 25001 -  30000                 $27,164        $2,130                   2.14
  $ 30001 -  35000                 $32,411        $2,725                   2.38
  $ 35001 -  40000                 $37,211        $2,877                   2.80
  $ 40001 -  45000                 $42,393        $3,961                   3.09
  $ 45001 -  50000                 $47,810        $3,932                   3.80
  $ 50001 -  75000                 $62,490        $5,825                   4.16
  $ 75001 - 100000                 $85,715       $10,338                   4.08
  $100001 - 250000                $132,341       $21,394                   4.59
  OVER $250,000                   $609,328      $178,811                   4.50

                    ______________________________________________________________
  TOTAL                            $46,246        $6,733                   2.22
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      GARLAND UT
                        _________________________________________________
  UNDER $1              12       $-662,329          $145     -0.02           39
  $     1  -  5000     151        $428,077        $4,507      1.05           81
  $  5001 -  10000     111        $820,298       $25,732      3.14          130
  $ 10001 -  15000      91      $1,125,879       $40,585      3.60          169
  $ 15001 -  20000      98      $1,736,444      $102,475      5.90          208
  $ 20001 -  25000      97      $2,188,916      $152,808      6.98          227
  $ 25001 -  30000      87      $2,385,171      $164,502      6.90          277
  $ 30001 -  35000      79      $2,553,219      $181,082      7.09          284
  $ 35001 -  40000      71      $2,663,115      $217,344      8.16          269
  $ 40001 -  45000      63      $2,663,984      $216,443      8.12          269
  $ 45001 -  50000      45      $2,140,308      $204,674      9.56          158
  $ 50001 -  75000     161      $9,637,190    $1,000,662     10.38          691
  $ 75001 - 100000      31      $2,588,981      $360,884     13.94          107
  OVER $100,000         10      $1,506,386      $295,359     19.61           34

                    ______________________________________________________________
  TOTAL               1107     $31,775,639    $2,967,202      9.34         2943
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.1            -2.1           0.0                    1.3
  $     1  -  5000    13.6             1.3           0.2                    2.8
  $  5001 -  10000    10.0             2.6           0.9                    4.4
  $ 10001 -  15000     8.2             3.5           1.4                    5.7
  $ 15001 -  20000     8.9             5.5           3.5                    7.1
  $ 20001 -  25000     8.8             6.9           5.1                    7.7
  $ 25001 -  30000     7.9             7.5           5.5                    9.4
  $ 30001 -  35000     7.1             8.0           6.1                    9.7
  $ 35001 -  40000     6.4             8.4           7.3                    9.1
  $ 40001 -  45000     5.7             8.4           7.3                    9.1
  $ 45001 -  50000     4.1             6.7           6.9                    5.4
  $ 50001 -  75000    14.5            30.3          33.7                   23.5
  $ 75001 - 100000     2.8             8.1          12.2                    3.6
  OVER $100,000        0.9             4.7          10.0                    1.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-55,194           $12                   3.25
  $     1  -  5000                  $2,835           $30                   0.54
  $  5001 -  10000                  $7,390          $232                   1.17
  $ 10001 -  15000                 $12,372          $446                   1.86
  $ 15001 -  20000                 $17,719        $1,046                   2.12
  $ 20001 -  25000                 $22,566        $1,575                   2.34
  $ 25001 -  30000                 $27,416        $1,891                   3.18
  $ 30001 -  35000                 $32,319        $2,292                   3.59
  $ 35001 -  40000                 $37,509        $3,061                   3.79
  $ 40001 -  45000                 $42,285        $3,436                   4.27
  $ 45001 -  50000                 $47,562        $4,548                   3.51
  $ 50001 -  75000                 $59,858        $6,215                   4.29
  $ 75001 - 100000                 $83,516       $11,641                   3.45
  OVER $100,000                   $150,639       $29,536                   3.40

                    ______________________________________________________________
  TOTAL                            $28,704        $2,680                   2.66
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      GRANTSVILLE
                        _________________________________________________
  UNDER $ 5,000        307        $690,884       $11,360      1.64          167
  $  5001 -  10000     198      $1,481,260       $38,193      2.58          250
  $ 10001 -  15000     222      $2,767,463      $128,559      4.65          346
  $ 15001 -  20000     190      $3,296,414      $176,379      5.35          407
  $ 20001 -  25000     164      $3,668,475      $249,423      6.80          392
  $ 25001 -  30000     181      $4,988,270      $378,032      7.58          480
  $ 30001 -  35000     143      $4,624,836      $391,915      8.47          395
  $ 35001 -  40000     151      $5,635,996      $501,472      8.90          475
  $ 40001 -  45000     123      $5,232,101      $477,148      9.12          429
  $ 45001 -  50000     115      $5,461,093      $533,436      9.77          383
  $ 50001 -  75000     325     $19,485,294    $2,088,625     10.72         1222
  $ 75001 - 100000      74      $6,135,049      $814,397     13.27          277
  OVER $100,000         22      $2,770,070      $503,147     18.16           74

                    ______________________________________________________________
  TOTAL               2215     $66,237,205    $6,292,086      9.50         5297
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       13.9             1.0           0.2                    3.2
  $  5001 -  10000     8.9             2.2           0.6                    4.7
  $ 10001 -  15000    10.0             4.2           2.0                    6.5
  $ 15001 -  20000     8.6             5.0           2.8                    7.7
  $ 20001 -  25000     7.4             5.5           4.0                    7.4
  $ 25001 -  30000     8.2             7.5           6.0                    9.1
  $ 30001 -  35000     6.5             7.0           6.2                    7.5
  $ 35001 -  40000     6.8             8.5           8.0                    9.0
  $ 40001 -  45000     5.6             7.9           7.6                    8.1
  $ 45001 -  50000     5.2             8.2           8.5                    7.2
  $ 50001 -  75000    14.7            29.4          33.2                   23.1
  $ 75001 - 100000     3.3             9.3          12.9                    5.2
  OVER $100,000        1.0             4.2           8.0                    1.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,250           $37                   0.54
  $  5001 -  10000                  $7,481          $193                   1.26
  $ 10001 -  15000                 $12,466          $579                   1.56
  $ 15001 -  20000                 $17,350          $928                   2.14
  $ 20001 -  25000                 $22,369        $1,521                   2.39
  $ 25001 -  30000                 $27,560        $2,089                   2.65
  $ 30001 -  35000                 $32,342        $2,741                   2.76
  $ 35001 -  40000                 $37,324        $3,321                   3.15
  $ 40001 -  45000                 $42,537        $3,879                   3.49
  $ 45001 -  50000                 $47,488        $4,639                   3.33
  $ 50001 -  75000                 $59,955        $6,427                   3.76
  $ 75001 - 100000                 $82,906       $11,005                   3.74
  OVER $100,000                   $125,912       $22,870                   3.36

                    ______________________________________________________________
  TOTAL                            $29,904        $2,841                   2.39
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      HEBER CITY UT
                        _________________________________________________
  UNDER $1              17       $-581,434        $1,027     -0.18           39
  $     1  -  5000     576      $1,501,282       $14,013      0.93          241
  $  5001 -  10000     389      $2,825,293       $96,112      3.40          379
  $ 10001 -  15000     345      $4,310,600      $198,375      4.60          592
  $ 15001 -  20000     309      $5,369,452      $314,047      5.85          623
  $ 20001 -  25000     247      $5,505,121      $375,480      6.82          564
  $ 25001 -  30000     222      $6,083,468      $420,345      6.91          617
  $ 30001 -  35000     239      $7,772,853      $597,130      7.68          731
  $ 35001 -  40000     193      $7,209,911      $580,044      8.05          655
  $ 40001 -  45000     184      $7,818,668      $650,763      8.32          666
  $ 45001 -  50000     158      $7,486,342      $616,860      8.24          597
  $ 50001 -  75000     423     $25,356,610    $2,553,954     10.07         1534
  $ 75001 - 100000     121     $10,216,872    $1,294,949     12.67          442
  $100001 - 250000      91     $12,465,629    $2,109,698     16.92          349
  OVER $250,000         18      $8,939,627    $2,534,868     28.36           71

                    ______________________________________________________________
  TOTAL               3532    $112,280,294   $12,357,665     11.01         8100
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.5           0.0                    0.5
  $     1  -  5000    16.3             1.3           0.1                    3.0
  $  5001 -  10000    11.0             2.5           0.8                    4.7
  $ 10001 -  15000     9.8             3.8           1.6                    7.3
  $ 15001 -  20000     8.7             4.8           2.5                    7.7
  $ 20001 -  25000     7.0             4.9           3.0                    7.0
  $ 25001 -  30000     6.3             5.4           3.4                    7.6
  $ 30001 -  35000     6.8             6.9           4.8                    9.0
  $ 35001 -  40000     5.5             6.4           4.7                    8.1
  $ 40001 -  45000     5.2             7.0           5.3                    8.2
  $ 45001 -  50000     4.5             6.7           5.0                    7.4
  $ 50001 -  75000    12.0            22.6          20.7                   18.9
  $ 75001 - 100000     3.4             9.1          10.5                    5.5
  $100001 - 250000     2.6            11.1          17.1                    4.3
  OVER $250,000        0.5             8.0          20.5                    0.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-34,202           $60                   2.29
  $     1  -  5000                  $2,606           $24                   0.42
  $  5001 -  10000                  $7,263          $247                   0.97
  $ 10001 -  15000                 $12,494          $575                   1.72
  $ 15001 -  20000                 $17,377        $1,016                   2.02
  $ 20001 -  25000                 $22,288        $1,520                   2.28
  $ 25001 -  30000                 $27,403        $1,893                   2.78
  $ 30001 -  35000                 $32,522        $2,498                   3.06
  $ 35001 -  40000                 $37,357        $3,005                   3.39
  $ 40001 -  45000                 $42,493        $3,537                   3.62
  $ 45001 -  50000                 $47,382        $3,904                   3.78
  $ 50001 -  75000                 $59,945        $6,038                   3.63
  $ 75001 - 100000                 $84,437       $10,702                   3.65
  $100001 - 250000                $136,985       $23,183                   3.84
  OVER $250,000                   $496,646      $140,826                   3.94

                    ______________________________________________________________
  TOTAL                            $31,789        $3,499                   2.29
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      HELPER UT
                        _________________________________________________
  UNDER $1              18       $-188,011           $86     -0.05           28
  $     1  -  5000     205        $544,054        $5,096      0.94          160
  $  5001 -  10000     194      $1,438,339       $33,883      2.36          239
  $ 10001 -  15000     167      $2,098,805      $106,167      5.06          278
  $ 15001 -  20000     134      $2,329,752      $121,726      5.22          286
  $ 20001 -  25000     107      $2,383,031      $162,131      6.80          250
  $ 25001 -  30000     100      $2,753,431      $224,179      8.14          245
  $ 30001 -  35000      87      $2,829,773      $241,011      8.52          260
  $ 35001 -  40000      88      $3,310,874      $312,700      9.44          257
  $ 40001 -  45000      70      $2,972,003      $307,301     10.34          189
  $ 45001 -  50000      71      $3,379,034      $358,179     10.60          216
  $ 50001 -  75000     272     $16,755,654    $2,047,268     12.22          918
  $ 75001 - 100000      46      $3,998,609      $623,029     15.58          158
  $100001 - 250000      18      $2,171,228      $416,567     19.19           59

                    ______________________________________________________________
  TOTAL               1577     $46,776,576    $4,959,323     10.60         3543
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.1            -0.4           0.0                    0.8
  $     1  -  5000    13.0             1.2           0.1                    4.5
  $  5001 -  10000    12.3             3.1           0.7                    6.7
  $ 10001 -  15000    10.6             4.5           2.1                    7.8
  $ 15001 -  20000     8.5             5.0           2.5                    8.1
  $ 20001 -  25000     6.8             5.1           3.3                    7.1
  $ 25001 -  30000     6.3             5.9           4.5                    6.9
  $ 30001 -  35000     5.5             6.0           4.9                    7.3
  $ 35001 -  40000     5.6             7.1           6.3                    7.3
  $ 40001 -  45000     4.4             6.4           6.2                    5.3
  $ 45001 -  50000     4.5             7.2           7.2                    6.1
  $ 50001 -  75000    17.2            35.8          41.3                   25.9
  $ 75001 - 100000     2.9             8.5          12.6                    4.5
  $100001 - 250000     1.1             4.6           8.4                    1.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-10,445            $5                   1.56
  $     1  -  5000                  $2,654           $25                   0.78
  $  5001 -  10000                  $7,414          $175                   1.23
  $ 10001 -  15000                 $12,568          $636                   1.66
  $ 15001 -  20000                 $17,386          $908                   2.13
  $ 20001 -  25000                 $22,271        $1,515                   2.34
  $ 25001 -  30000                 $27,534        $2,242                   2.45
  $ 30001 -  35000                 $32,526        $2,770                   2.99
  $ 35001 -  40000                 $37,624        $3,553                   2.92
  $ 40001 -  45000                 $42,457        $4,390                   2.70
  $ 45001 -  50000                 $47,592        $5,045                   3.04
  $ 50001 -  75000                 $61,602        $7,527                   3.38
  $ 75001 - 100000                 $86,926       $13,544                   3.43
  $100001 - 250000                $120,624       $23,143                   3.28

                    ______________________________________________________________
  TOTAL                            $29,662        $3,145                   2.25
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      HIGHLAND UT
                        _________________________________________________
  UNDER $1              15       $-347,466            $0      0.00           43
  $     1  -  5000     513      $1,283,119       $16,331      1.27          111
  $  5001 -  10000     269      $1,978,662       $87,650      4.43          214
  $ 10001 -  15000     158      $1,943,718      $112,441      5.78          227
  $ 15001 -  20000     103      $1,803,430      $101,524      5.63          223
  $ 20001 -  25000      73      $1,653,976      $108,356      6.55          186
  $ 25001 -  30000      54      $1,463,201       $88,188      6.03          140
  $ 30001 -  35000      58      $1,883,593      $122,844      6.52          189
  $ 35001 -  40000      80      $2,996,633      $214,041      7.14          338
  $ 40001 -  45000      62      $2,627,544      $185,516      7.06          268
  $ 45001 -  50000      81      $3,834,281      $278,935      7.27          344
  $ 50001 -  75000     355     $21,682,140    $1,792,308      8.27         1640
  $ 75001 - 100000     169     $14,544,480    $1,627,638     11.19          798
  $100001 - 250000     154     $21,013,254    $3,355,423     15.97          783
  OVER $250,000         29     $17,039,250    $5,149,598     30.22          140

                    ______________________________________________________________
  TOTAL               2173     $95,399,815   $13,240,793     13.88         5644
                    _________________________