TABLE OF CONTENTS (TOC)
CITY
ALPINE UT                                                                 
AMERICAN FORK UT                                                   
BEAVER 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                                                               
FAIRVIEW UT                                                             
FARMINGTON UT                                                         
FILLMORE UT                                                             
FRUIT HEIGHTS UT                                                   
GARLAND UT                                                               
GRANTSVILLE                                                             
HEBER CITY UT                                                         
HELPER UT                                                                 
HERRIMAN UT                                                             
HIGHLAND UT                                                             
HILL AFB UT                                                             
HOLLADAY UT                                                             
HOOPER UT                                                                 
HUNTINGTON UT                                                         
HUNTSVILLE UT                                                         
HURRICANE UT                                                           
HYDE PARK UT                                                           
HYRUM UT                                                                   
IVINS UT                                                                   
KAMAS UT                                                                   
KANAB UT                                                                   
KAYSVILLE UT                                                           
KEARNS UT                                                                 
LAVERKIN UT                                                             
LAYTON UT                                                                 
LEHI UT                                                                     
LINDON UT                                                                 
LOGAN UT                                                                   
MAGNA UT                                                                   
MANTI UT                                                                   
MAPLETON UT                                                             
MIDVALE UT                                                               
MIDWAY UT                                                                 
MOAB UT                                                                     
MONROE UT                                                                 
MONTICELLO UT                                                         
MORGAN UT                                                                 
MOUNT PLEASANT UT                                                 
MURRAY UT                                                                 
NEPHI UT                                                                   
NORTH LOGAN UT                                                       
NORTH SALT LAKE UT                                               
OGDEN UT                                                                   
OREM UT                                                                     
OTHER TOWNS                                                             
PANGIUTCH UT                                                           
PARK CITY UT                                                           
PAROWAN UT                                                               
PAYSON UT                                                                 
PERRY UT                                                                   
PLAIN CITY UT                                                         
PLEASANT GROVE UT                                                 
PRICE UT                                                                   
PROVIDENCE UT                                                         
PROVO UT                                                                   
RICHFIELD UT                                                           
RICHMOND 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 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                                                         
WELLINGTON UT                                                         
WELLSVILLE UT                                                         
WENDOVER UT                                                             
WEST BOUNTIFUL UT                                                 
WEST JORDAN UT                                                       
WEST POINT UT                                                         
WEST VALLEY UT                                                       
WILLARD UT                                                               
WOODS CROSS UT                                                       
                                                                           
                                                                                                    
****************************SUMMARY OF 1998 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               17      $-882,900            $0      0.00          37                      
  $     1  -  5000      450     $1,187,931       $35,375      2.98          90                      
  $  5001 -  10000      253     $1,829,709       $78,546      4.29         155                      
  $ 10001 -  15000      173     $2,135,821       $96,373      4.51         246                      
  $ 15001 -  20000      115     $1,991,432      $106,066      5.33         217                      
  $ 20001 -  25000       82     $1,840,852      $111,861      6.08         162                      
  $ 25001 -  30000       77     $2,097,168      $134,633      6.42         178                      
  $ 30001 -  35000       61     $1,974,834      $134,643      6.82         158                      
  $ 35001 -  40000       53     $1,969,957      $110,535      5.61         192                      
  $ 40001 -  45000       65     $2,771,075      $167,715      6.05         234                      
  $ 45001 -  50000       75     $3,566,309      $255,439      7.16         253                      
  $ 50001 -  75000      297    $18,487,239    $1,333,041      7.21       1,231                      
  $ 75001 - 100000      180    $15,466,939    $1,430,495      9.25         785                      
  $100001 - 250000      293    $41,751,755    $5,954,264     14.26       1,425                      
  OVER $250,000          71    $49,727,850   $13,431,560     27.01         318                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,262    $145,915,971   $23,380,546     16.02        5,681                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -0.6           0.0                    0.7                     
  $     1  -  5000    19.9             0.8           0.2                    1.6                     
  $  5001 -  10000    11.2             1.3           0.3                    2.7                     
  $ 10001 -  15000     7.6             1.5           0.4                    4.3                     
  $ 15001 -  20000     5.1             1.4           0.5                    3.8                     
  $ 20001 -  25000     3.6             1.3           0.5                    2.9                     
  $ 25001 -  30000     3.4             1.4           0.6                    3.1                     
  $ 30001 -  35000     2.7             1.4           0.6                    2.8                     
  $ 35001 -  40000     2.3             1.4           0.5                    3.4                     
  $ 40001 -  45000     2.9             1.9           0.7                    4.1                     
  $ 45001 -  50000     3.3             2.4           1.1                    4.5                     
  $ 50001 -  75000    13.1            12.7           5.7                   21.7                     
  $ 75001 - 100000     8.0            10.6           6.1                   13.8                     
  $100001 - 250000    13.0            28.6          25.5                   25.1                     
  OVER $250,000        3.1            34.1          57.4                    5.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-51,935            $0                   2.18                     
  $     1  -  5000                  $2,640           $79                   0.20                     
  $  5001 -  10000                  $7,232          $310                   0.61                     
  $ 10001 -  15000                 $12,346          $557                   1.42                     
  $ 15001 -  20000                 $17,317          $922                   1.89                     
  $ 20001 -  25000                 $22,449        $1,364                   1.98                     
  $ 25001 -  30000                 $27,236        $1,748                   2.31                     
  $ 30001 -  35000                 $32,374        $2,207                   2.59                     
  $ 35001 -  40000                 $37,169        $2,086                   3.62                     
  $ 40001 -  45000                 $42,632        $2,580                   3.60                     
  $ 45001 -  50000                 $47,551        $3,406                   3.37                     
  $ 50001 -  75000                 $62,247        $4,488                   4.14                     
  $ 75001 - 100000                 $85,927        $7,947                   4.36                     
  $100001 - 250000                $142,497       $20,322                   4.86                     
  OVER $250,000                   $700,392      $189,177                   4.48                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $64,508       $10,336                   2.51                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                    
                                                                                                    
****************************SUMMARY OF 1998 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               34      $-616,753            $0      0.00          78                      
  $     1  -  5000    1,078     $2,850,253       $29,064      1.02         365                      
  $  5001 -  10000      876     $6,480,902      $189,922      2.93         863                      
  $ 10001 -  15000      703     $8,833,468      $355,127      4.02       1,089                      
  $ 15001 -  20000      685    $11,914,750      $610,665      5.13       1,253                      
  $ 20001 -  25000      559    $12,587,521      $735,978      5.85       1,243                      
  $ 25001 -  30000      478    $13,173,983      $767,076      5.82       1,289                      
  $ 30001 -  35000      430    $13,946,968      $842,394      6.04       1,299                      
  $ 35001 -  40000      411    $15,410,277      $964,338      6.26       1,367                      
  $ 40001 -  45000      424    $17,969,827    $1,134,762      6.31       1,563                      
  $ 45001 -  50000      399    $19,012,520    $1,270,832      6.68       1,485                      
  $ 50001 -  75000    1,361    $82,348,686    $6,387,206      7.76       5,464                      
  $ 75001 - 100000      484    $41,014,971    $4,317,556     10.53       2,030                      
  $100001 - 250000      291    $38,752,917    $6,019,573     15.53       1,198                      
  OVER $250,000          38    $15,638,801    $3,587,589     22.94         150                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,251    $299,319,091   $27,212,082      9.09       20,736                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.2           0.0                    0.4                     
  $     1  -  5000    13.1             1.0           0.1                    1.8                     
  $  5001 -  10000    10.6             2.2           0.7                    4.2                     
  $ 10001 -  15000     8.5             3.0           1.3                    5.3                     
  $ 15001 -  20000     8.3             4.0           2.2                    6.0                     
  $ 20001 -  25000     6.8             4.2           2.7                    6.0                     
  $ 25001 -  30000     5.8             4.4           2.8                    6.2                     
  $ 30001 -  35000     5.2             4.7           3.1                    6.3                     
  $ 35001 -  40000     5.0             5.1           3.5                    6.6                     
  $ 40001 -  45000     5.1             6.0           4.2                    7.5                     
  $ 45001 -  50000     4.8             6.4           4.7                    7.2                     
  $ 50001 -  75000    16.5            27.5          23.5                   26.4                     
  $ 75001 - 100000     5.9            13.7          15.9                    9.8                     
  $100001 - 250000     3.5            12.9          22.1                    5.8                     
  OVER $250,000        0.5             5.2          13.2                    0.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-18,140            $0                   2.29                     
  $     1  -  5000                  $2,644           $27                   0.34                     
  $  5001 -  10000                  $7,398          $217                   0.99                     
  $ 10001 -  15000                 $12,565          $505                   1.55                     
  $ 15001 -  20000                 $17,394          $891                   1.83                     
  $ 20001 -  25000                 $22,518        $1,317                   2.22                     
  $ 25001 -  30000                 $27,561        $1,605                   2.70                     
  $ 30001 -  35000                 $32,435        $1,959                   3.02                     
  $ 35001 -  40000                 $37,495        $2,346                   3.33                     
  $ 40001 -  45000                 $42,382        $2,676                   3.69                     
  $ 45001 -  50000                 $47,650        $3,185                   3.72                     
  $ 50001 -  75000                 $60,506        $4,693                   4.01                     
  $ 75001 - 100000                 $84,742        $8,921                   4.19                     
  $100001 - 250000                $133,172       $20,686                   4.12                     
  OVER $250,000                   $411,547       $94,410                   3.95                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $36,277        $3,298                   2.51                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 1998 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               21    $-1,365,371        $2,716     -0.20          46                      
  $     1  -  5000      193       $537,955        $5,962      1.11          87                      
  $  5001 -  10000      149     $1,093,662       $27,692      2.53         165                      
  $ 10001 -  15000      146     $1,806,088       $51,638      2.86         256                      
  $ 15001 -  20000      124     $2,175,344       $89,017      4.09         270                      
  $ 20001 -  25000      103     $2,302,852      $122,752      5.33         260                      
  $ 25001 -  30000       92     $2,519,156      $121,562      4.83         287                      
  $ 30001 -  35000       70     $2,289,953      $132,333      5.78         231                      
  $ 35001 -  40000       70     $2,604,383      $175,673      6.75         225                      
  $ 40001 -  45000       53     $2,255,585      $145,399      6.45         193                      
  $ 45001 -  50000       34     $1,615,480      $117,477      7.27         136                      
  $ 50001 -  75000      125     $7,476,075      $670,412      8.97         471                      
  $ 75001 - 100000       36     $3,013,079      $364,233     12.09         136                      
  OVER $100,000          16     $2,372,216      $386,166     16.28          61                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,232     $30,696,457    $2,413,032      7.86        2,824                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.7            -4.4           0.1                    1.6                     
  $     1  -  5000    15.7             1.8           0.2                    3.1                     
  $  5001 -  10000    12.1             3.6           1.1                    5.8                     
  $ 10001 -  15000    11.9             5.9           2.1                    9.1                     
  $ 15001 -  20000    10.1             7.1           3.7                    9.6                     
  $ 20001 -  25000     8.4             7.5           5.1                    9.2                     
  $ 25001 -  30000     7.5             8.2           5.0                   10.2                     
  $ 30001 -  35000     5.7             7.5           5.5                    8.2                     
  $ 35001 -  40000     5.7             8.5           7.3                    8.0                     
  $ 40001 -  45000     4.3             7.3           6.0                    6.8                     
  $ 45001 -  50000     2.8             5.3           4.9                    4.8                     
  $ 50001 -  75000    10.1            24.4          27.8                   16.7                     
  $ 75001 - 100000     2.9             9.8          15.1                    4.8                     
  OVER $100,000        1.3             7.7          16.0                    2.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-65,018          $129                   2.19                     
  $     1  -  5000                  $2,787           $31                   0.45                     
  $  5001 -  10000                  $7,340          $186                   1.11                     
  $ 10001 -  15000                 $12,370          $354                   1.75                     
  $ 15001 -  20000                 $17,543          $718                   2.18                     
  $ 20001 -  25000                 $22,358        $1,192                   2.52                     
  $ 25001 -  30000                 $27,382        $1,321                   3.12                     
  $ 30001 -  35000                 $32,714        $1,890                   3.30                     
  $ 35001 -  40000                 $37,205        $2,510                   3.21                     
  $ 40001 -  45000                 $42,558        $2,743                   3.64                     
  $ 45001 -  50000                 $47,514        $3,455                   4.00                     
  $ 50001 -  75000                 $59,809        $5,363                   3.77                     
  $ 75001 - 100000                 $83,697       $10,118                   3.78                     
  OVER $100,000                   $148,264       $24,135                   3.81                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $24,916        $1,959                   2.29                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 1998 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 $ 5,000         248       $454,715        $1,514      0.33         160                      
  $  5001 -  10000      168     $1,227,375       $24,490      2.00         229                      
  $ 10001 -  15000      116     $1,422,971       $35,209      2.47         261                      
  $ 15001 -  20000       95     $1,653,968       $51,449      3.11         271                      
  $ 20001 -  25000       70     $1,559,354       $60,799      3.90         213                      
  $ 25001 -  30000      102     $2,820,834      $121,625      4.31         376                      
  $ 30001 -  35000       69     $2,245,111      $125,213      5.58         244                      
  $ 35001 -  40000       63     $2,344,241      $128,582      5.49         232                      
  $ 40001 -  45000       62     $2,616,686      $171,591      6.56         232                      
  $ 45001 -  50000       41     $1,954,175      $133,280      6.82         184                      
  $ 50001 -  75000      158     $9,440,210      $841,054      8.91         606                      
  $ 75001 - 100000       39     $3,356,683      $402,301     11.99         152                      
  OVER $100,000          15     $5,034,223    $1,320,273     26.23          61                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,246     $36,130,546    $3,417,380      9.46        3,221                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       19.9             1.3           0.0                    5.0                     
  $  5001 -  10000    13.5             3.4           0.7                    7.1                     
  $ 10001 -  15000     9.3             3.9           1.0                    8.1                     
  $ 15001 -  20000     7.6             4.6           1.5                    8.4                     
  $ 20001 -  25000     5.6             4.3           1.8                    6.6                     
  $ 25001 -  30000     8.2             7.8           3.6                   11.7                     
  $ 30001 -  35000     5.5             6.2           3.7                    7.6                     
  $ 35001 -  40000     5.1             6.5           3.8                    7.2                     
  $ 40001 -  45000     5.0             7.2           5.0                    7.2                     
  $ 45001 -  50000     3.3             5.4           3.9                    5.7                     
  $ 50001 -  75000    12.7            26.1          24.6                   18.8                     
  $ 75001 - 100000     3.1             9.3          11.8                    4.7                     
  OVER $100,000        1.2            13.9          38.6                    1.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $1,834            $6                   0.65                     
  $  5001 -  10000                  $7,306          $146                   1.36                     
  $ 10001 -  15000                 $12,267          $304                   2.25                     
  $ 15001 -  20000                 $17,410          $542                   2.85                     
  $ 20001 -  25000                 $22,276          $869                   3.04                     
  $ 25001 -  30000                 $27,655        $1,192                   3.69                     
  $ 30001 -  35000                 $32,538        $1,815                   3.54                     
  $ 35001 -  40000                 $37,210        $2,041                   3.68                     
  $ 40001 -  45000                 $42,205        $2,768                   3.74                     
  $ 45001 -  50000                 $47,663        $3,251                   4.49                     
  $ 50001 -  75000                 $59,748        $5,323                   3.84                     
  $ 75001 - 100000                 $86,069       $10,315                   3.90                     
  OVER $100,000                   $335,615       $88,018                   4.07                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $28,997        $2,743                   2.59                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 1998 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 $1               11      $-168,650            $0      0.00          29                      
  $     1  -  5000      226       $563,678        $7,378      1.31          64                      
  $  5001 -  10000      160     $1,170,089       $42,142      3.60         128                      
  $ 10001 -  15000      113     $1,372,337       $74,457      5.43         141                      
  $ 15001 -  20000       81     $1,401,673       $89,201      6.36         130                      
  $ 20001 -  25000       73     $1,623,327       $92,991      5.73         190                      
  $ 25001 -  30000       53     $1,465,897       $89,318      6.09         134                      
  $ 30001 -  35000       55     $1,787,414       $95,749      5.36         182                      
  $ 35001 -  40000       45     $1,692,232      $105,583      6.24         154                      
  $ 40001 -  45000       42     $1,785,657       $86,778      4.86         180                      
  $ 45001 -  50000       55     $2,613,460      $186,493      7.14         191                      
  $ 50001 -  75000      247    $15,344,707    $1,066,072      6.95       1,065                      
  $ 75001 - 100000      145    $12,388,550    $1,227,140      9.91         614                      
  $100001 - 250000       88    $11,600,734    $1,740,423     15.00         382                      
  OVER $250,000          13     $9,322,854    $1,984,382     21.29          44                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,407     $63,963,959    $6,888,107     10.77        3,628                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -0.3           0.0                    0.8                     
  $     1  -  5000    16.1             0.9           0.1                    1.8                     
  $  5001 -  10000    11.4             1.8           0.6                    3.5                     
  $ 10001 -  15000     8.0             2.1           1.1                    3.9                     
  $ 15001 -  20000     5.8             2.2           1.3                    3.6                     
  $ 20001 -  25000     5.2             2.5           1.4                    5.2                     
  $ 25001 -  30000     3.8             2.3           1.3                    3.7                     
  $ 30001 -  35000     3.9             2.8           1.4                    5.0                     
  $ 35001 -  40000     3.2             2.6           1.5                    4.2                     
  $ 40001 -  45000     3.0             2.8           1.3                    5.0                     
  $ 45001 -  50000     3.9             4.1           2.7                    5.3                     
  $ 50001 -  75000    17.6            24.0          15.5                   29.4                     
  $ 75001 - 100000    10.3            19.4          17.8                   16.9                     
  $100001 - 250000     6.3            18.1          25.3                   10.5                     
  OVER $250,000        0.9            14.6          28.8                    1.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-15,332            $0                   2.64                     
  $     1  -  5000                  $2,494           $33                   0.28                     
  $  5001 -  10000                  $7,313          $263                   0.80                     
  $ 10001 -  15000                 $12,145          $659                   1.25                     
  $ 15001 -  20000                 $17,305        $1,101                   1.60                     
  $ 20001 -  25000                 $22,237        $1,274                   2.60                     
  $ 25001 -  30000                 $27,658        $1,685                   2.53                     
  $ 30001 -  35000                 $32,498        $1,741                   3.31                     
  $ 35001 -  40000                 $37,605        $2,346                   3.42                     
  $ 40001 -  45000                 $42,516        $2,066                   4.29                     
  $ 45001 -  50000                 $47,517        $3,391                   3.47                     
  $ 50001 -  75000                 $62,124        $4,316                   4.31                     
  $ 75001 - 100000                 $85,438        $8,463                   4.23                     
  $100001 - 250000                $131,827       $19,778                   4.34                     
  OVER $250,000                   $717,143      $152,645                   3.38                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $45,461        $4,896                   2.58                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 1998 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               82    $-5,519,896       $21,961     -0.40         142                      
  $     1  -  5000    2,569     $6,700,561       $62,597      0.93         762                      
  $  5001 -  10000    1,838    $13,570,296      $466,359      3.44       1,374                      
  $ 10001 -  15000    1,544    $19,348,647      $917,344      4.74       1,977                      
  $ 15001 -  20000    1,437    $25,006,379    $1,457,968      5.83       2,342                      
  $ 20001 -  25000    1,289    $28,832,995    $1,944,459      6.74       2,311                      
  $ 25001 -  30000    1,076    $29,503,387    $2,084,686      7.07       2,255                      
  $ 30001 -  35000      995    $32,252,907    $2,507,057      7.77       2,175                      
  $ 35001 -  40000      917    $34,358,563    $2,783,712      8.10       2,261                      
  $ 40001 -  45000      789    $33,459,074    $2,755,850      8.24       2,155                      
  $ 45001 -  50000      692    $32,833,412    $2,746,092      8.36       2,110                      
  $ 50001 -  75000    2,690   $164,950,533   $15,309,703      9.28       8,654                      
  $ 75001 - 100000    1,366   $117,148,172   $13,508,382     11.53       4,834                      
  $100001 - 250000    1,229   $173,525,890   $28,388,380     16.36       4,451                      
  OVER $250,000         233   $121,678,823   $31,597,587     25.97         778                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             18,746    $827,649,743  $106,552,137     12.87       38,581                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.7           0.0                    0.4                     
  $     1  -  5000    13.7             0.8           0.1                    2.0                     
  $  5001 -  10000     9.8             1.6           0.4                    3.6                     
  $ 10001 -  15000     8.2             2.3           0.9                    5.1                     
  $ 15001 -  20000     7.7             3.0           1.4                    6.1                     
  $ 20001 -  25000     6.9             3.5           1.8                    6.0                     
  $ 25001 -  30000     5.7             3.6           2.0                    5.8                     
  $ 30001 -  35000     5.3             3.9           2.4                    5.6                     
  $ 35001 -  40000     4.9             4.2           2.6                    5.9                     
  $ 40001 -  45000     4.2             4.0           2.6                    5.6                     
  $ 45001 -  50000     3.7             4.0           2.6                    5.5                     
  $ 50001 -  75000    14.3            19.9          14.4                   22.4                     
  $ 75001 - 100000     7.3            14.2          12.7                   12.5                     
  $100001 - 250000     6.6            21.0          26.6                   11.5                     
  OVER $250,000        1.2            14.7          29.7                    2.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-67,316          $268                   1.73                     
  $     1  -  5000                  $2,608           $24                   0.30                     
  $  5001 -  10000                  $7,383          $254                   0.75                     
  $ 10001 -  15000                 $12,532          $594                   1.28                     
  $ 15001 -  20000                 $17,402        $1,015                   1.63                     
  $ 20001 -  25000                 $22,368        $1,509                   1.79                     
  $ 25001 -  30000                 $27,420        $1,937                   2.10                     
  $ 30001 -  35000                 $32,415        $2,520                   2.19                     
  $ 35001 -  40000                 $37,468        $3,036                   2.47                     
  $ 40001 -  45000                 $42,407        $3,493                   2.73                     
  $ 45001 -  50000                 $47,447        $3,968                   3.05                     
  $ 50001 -  75000                 $61,320        $5,691                   3.22                     
  $ 75001 - 100000                 $85,760        $9,889                   3.54                     
  $100001 - 250000                $141,193       $23,099                   3.62                     
  OVER $250,000                   $522,227      $135,612                   3.34                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $44,151        $5,684                   2.06                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                     
                                                                                                    
****************************SUMMARY OF 1998 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               24      $-354,256        $2,219     -0.63          66                      
  $     1  -  5000      963     $2,589,508       $14,553      0.56         376                      
  $  5001 -  10000      754     $5,549,234      $154,723      2.79         730                      
  $ 10001 -  15000      642     $7,987,111      $332,324      4.16         951                      
  $ 15001 -  20000      632    $11,107,372      $565,954      5.10       1,180                      
  $ 20001 -  25000      585    $13,064,196      $806,568      6.17       1,241                      
  $ 25001 -  30000      477    $13,092,910      $863,186      6.59       1,152                      
  $ 30001 -  35000      448    $14,531,699    $1,032,708      7.11       1,167                      
  $ 35001 -  40000      448    $16,744,958    $1,286,806      7.68       1,261                      
  $ 40001 -  45000      379    $16,085,509    $1,172,277      7.29       1,293                      
  $ 45001 -  50000      326    $15,514,840    $1,206,271      7.77       1,136                      
  $ 50001 -  75000    1,224    $74,330,003    $6,732,171      9.06       4,557                      
  $ 75001 - 100000      414    $35,262,270    $4,223,603     11.98       1,617                      
  $100001 - 250000      190    $26,122,437    $4,374,935     16.75         652                      
  OVER $250,000          23    $10,582,299    $2,559,512     24.19          71                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              7,529    $262,210,090   $25,327,810      9.66       17,450                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.3            -0.1           0.0                    0.4                     
  $     1  -  5000    12.8             1.0           0.1                    2.2                     
  $  5001 -  10000    10.0             2.1           0.6                    4.2                     
  $ 10001 -  15000     8.5             3.0           1.3                    5.4                     
  $ 15001 -  20000     8.4             4.2           2.2                    6.8                     
  $ 20001 -  25000     7.8             5.0           3.2                    7.1                     
  $ 25001 -  30000     6.3             5.0           3.4                    6.6                     
  $ 30001 -  35000     6.0             5.5           4.1                    6.7                     
  $ 35001 -  40000     6.0             6.4           5.1                    7.2                     
  $ 40001 -  45000     5.0             6.1           4.6                    7.4                     
  $ 45001 -  50000     4.3             5.9           4.8                    6.5                     
  $ 50001 -  75000    16.3            28.3          26.6                   26.1                     
  $ 75001 - 100000     5.5            13.4          16.7                    9.3                     
  $100001 - 250000     2.5            10.0          17.3                    3.7                     
  OVER $250,000        0.3             4.0          10.1                    0.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-14,761           $92                   2.75                     
  $     1  -  5000                  $2,689           $15                   0.39                     
  $  5001 -  10000                  $7,360          $205                   0.97                     
  $ 10001 -  15000                 $12,441          $518                   1.48                     
  $ 15001 -  20000                 $17,575          $895                   1.87                     
  $ 20001 -  25000                 $22,332        $1,379                   2.12                     
  $ 25001 -  30000                 $27,448        $1,810                   2.42                     
  $ 30001 -  35000                 $32,437        $2,305                   2.60                     
  $ 35001 -  40000                 $37,377        $2,872                   2.81                     
  $ 40001 -  45000                 $42,442        $3,093                   3.41                     
  $ 45001 -  50000                 $47,592        $3,700                   3.48                     
  $ 50001 -  75000                 $60,727        $5,500                   3.72                     
  $ 75001 - 100000                 $85,175       $10,202                   3.91                     
  $100001 - 250000                $137,487       $23,026                   3.43                     
  OVER $250,000                   $460,100      $111,283                   3.09                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $34,827        $3,364                   2.32                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 1998 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               58    $-2,562,990       $15,494     -0.60         122                      
  $     1  -  5000    1,354     $3,613,298       $18,513      0.51         857                      
  $  5001 -  10000    1,296     $9,641,021      $218,706      2.27       1,661                      
  $ 10001 -  15000    1,060    $13,187,139      $464,797      3.52       2,036                      
  $ 15001 -  20000      915    $15,938,142      $682,551      4.28       2,029                      
  $ 20001 -  25000      722    $16,217,498      $861,390      5.31       1,729                      
  $ 25001 -  30000      570    $15,650,304      $914,460      5.84       1,560                      
  $ 30001 -  35000      458    $14,821,029      $920,241      6.21       1,362                      
  $ 35001 -  40000      452    $16,910,830    $1,132,964      6.70       1,432                      
  $ 40001 -  45000      384    $16,299,811    $1,232,656      7.56       1,224                      
  $ 45001 -  50000      312    $14,827,630    $1,134,986      7.65       1,087                      
  $ 50001 -  75000    1,018    $61,676,330    $5,591,735      9.07       3,501                      
  $ 75001 - 100000      348    $29,593,421    $3,540,255     11.96       1,232                      
  $100001 - 250000      184    $25,672,100    $4,364,726     17.00         683                      
  OVER $250,000          22     $8,609,949    $2,280,725     26.49          92                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              9,153    $260,095,512   $23,374,199      8.99       20,607                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.6            -1.0           0.1                    0.6                     
  $     1  -  5000    14.8             1.4           0.1                    4.2                     
  $  5001 -  10000    14.2             3.7           0.9                    8.1                     
  $ 10001 -  15000    11.6             5.1           2.0                    9.9                     
  $ 15001 -  20000    10.0             6.1           2.9                    9.8                     
  $ 20001 -  25000     7.9             6.2           3.7                    8.4                     
  $ 25001 -  30000     6.2             6.0           3.9                    7.6                     
  $ 30001 -  35000     5.0             5.7           3.9                    6.6                     
  $ 35001 -  40000     4.9             6.5           4.8                    6.9                     
  $ 40001 -  45000     4.2             6.3           5.3                    5.9                     
  $ 45001 -  50000     3.4             5.7           4.9                    5.3                     
  $ 50001 -  75000    11.1            23.7          23.9                   17.0                     
  $ 75001 - 100000     3.8            11.4          15.1                    6.0                     
  $100001 - 250000     2.0             9.9          18.7                    3.3                     
  OVER $250,000        0.2             3.3           9.8                    0.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-44,189          $267                   2.10                     
  $     1  -  5000                  $2,669           $14                   0.63                     
  $  5001 -  10000                  $7,439          $169                   1.28                     
  $ 10001 -  15000                 $12,441          $438                   1.92                     
  $ 15001 -  20000                 $17,419          $746                   2.22                     
  $ 20001 -  25000                 $22,462        $1,193                   2.39                     
  $ 25001 -  30000                 $27,457        $1,604                   2.74                     
  $ 30001 -  35000                 $32,360        $2,009                   2.97                     
  $ 35001 -  40000                 $37,413        $2,507                   3.17                     
  $ 40001 -  45000                 $42,447        $3,210                   3.19                     
  $ 45001 -  50000                 $47,524        $3,638                   3.48                     
  $ 50001 -  75000                 $60,586        $5,493                   3.44                     
  $ 75001 - 100000                 $85,039       $10,173                   3.54                     
  $100001 - 250000                $139,522       $23,721                   3.71                     
  OVER $250,000                   $391,361      $103,669                   4.18                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $28,416        $2,554                   2.25                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                      
                                                                                                    
****************************SUMMARY OF 1998 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               18      $-161,105        $1,511     -0.94          23                      
  $     1  -  5000    1,115     $2,950,311       $29,793      1.01         223                      
  $  5001 -  10000      686     $5,024,712      $211,962      4.22         352                      
  $ 10001 -  15000      479     $5,982,154      $339,798      5.68         489                      
  $ 15001 -  20000      362     $6,306,813      $394,664      6.26         513                      
  $ 20001 -  25000      313     $7,025,206      $466,978      6.65         556                      
  $ 25001 -  30000      226     $6,225,505      $445,359      7.15         455                      
  $ 30001 -  35000      266     $8,635,854      $617,246      7.15         636                      
  $ 35001 -  40000      214     $8,008,502      $596,546      7.45         544                      
  $ 40001 -  45000      200     $8,523,966      $666,878      7.82         577                      
  $ 45001 -  50000      213    $10,121,382      $769,072      7.60         696                      
  $ 50001 -  75000    1,028    $64,276,793    $5,277,179      8.21       3,892                      
  $ 75001 - 100000      597    $51,247,650    $5,538,310     10.81       2,368                      
  $100001 - 250000      503    $67,173,762   $10,417,407     15.51       2,117                      
  OVER $250,000          54    $25,090,800    $6,356,464     25.33         252                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              6,274    $276,432,305   $32,129,167     11.62       13,693                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.3            -0.1           0.0                    0.2                     
  $     1  -  5000    17.8             1.1           0.1                    1.6                     
  $  5001 -  10000    10.9             1.8           0.7                    2.6                     
  $ 10001 -  15000     7.6             2.2           1.1                    3.6                     
  $ 15001 -  20000     5.8             2.3           1.2                    3.7                     
  $ 20001 -  25000     5.0             2.5           1.5                    4.1                     
  $ 25001 -  30000     3.6             2.3           1.4                    3.3                     
  $ 30001 -  35000     4.2             3.1           1.9                    4.6                     
  $ 35001 -  40000     3.4             2.9           1.9                    4.0                     
  $ 40001 -  45000     3.2             3.1           2.1                    4.2                     
  $ 45001 -  50000     3.4             3.7           2.4                    5.1                     
  $ 50001 -  75000    16.4            23.3          16.4                   28.4                     
  $ 75001 - 100000     9.5            18.5          17.2                   17.3                     
  $100001 - 250000     8.0            24.3          32.4                   15.5                     
  OVER $250,000        0.9             9.1          19.8                    1.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                         $-8,950           $84                   1.28                     
  $     1  -  5000                  $2,646           $27                   0.20                     
  $  5001 -  10000                  $7,325          $309                   0.51                     
  $ 10001 -  15000                 $12,489          $709                   1.02                     
  $ 15001 -  20000                 $17,422        $1,090                   1.42                     
  $ 20001 -  25000                 $22,445        $1,492                   1.78                     
  $ 25001 -  30000                 $27,546        $1,971                   2.01                     
  $ 30001 -  35000                 $32,466        $2,320                   2.39                     
  $ 35001 -  40000                 $37,423        $2,788                   2.54                     
  $ 40001 -  45000                 $42,620        $3,334                   2.89                     
  $ 45001 -  50000                 $47,518        $3,611                   3.27                     
  $ 50001 -  75000                 $62,526        $5,133                   3.79                     
  $ 75001 - 100000                 $85,842        $9,277                   3.97                     
  $100001 - 250000                $133,546       $20,711                   4.21                     
  OVER $250,000                   $464,644      $117,712                   4.67                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $44,060        $5,121                   2.18                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 1998 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               22      $-398,970          $814     -0.20          38                      
  $     1  -  5000    1,001     $2,680,096        $4,940      0.18         724                      
  $  5001 -  10000      962     $7,162,204      $137,828      1.92       1,327                      
  $ 10001 -  15000      923    $11,537,433      $456,595      3.96       1,551                      
  $ 15001 -  20000      882    $15,449,806      $806,137      5.22       1,668                      
  $ 20001 -  25000      854    $19,228,861    $1,170,729      6.09       1,800                      
  $ 25001 -  30000      759    $20,764,787    $1,323,323      6.37       1,835                      
  $ 30001 -  35000      691    $22,440,611    $1,547,052      6.89       1,845                      
  $ 35001 -  40000      662    $24,833,571    $1,815,664      7.31       1,948                      
  $ 40001 -  45000      540    $22,914,758    $1,879,752      8.20       1,573                      
  $ 45001 -  50000      465    $22,074,792    $1,816,209      8.23       1,481                      
  $ 50001 -  75000    1,330    $79,767,633    $7,485,704      9.38       4,452                      
  $ 75001 - 100000      295    $24,810,056    $3,250,117     13.10         946                      
  OVER $100,000          91    $12,635,360    $2,099,200     16.61         278                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              9,477    $285,900,998   $23,794,064      8.32       21,466                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.2            -0.1           0.0                    0.2                     
  $     1  -  5000    10.6             0.9           0.0                    3.4                     
  $  5001 -  10000    10.2             2.5           0.6                    6.2                     
  $ 10001 -  15000     9.7             4.0           1.9                    7.2                     
  $ 15001 -  20000     9.3             5.4           3.4                    7.8                     
  $ 20001 -  25000     9.0             6.7           4.9                    8.4                     
  $ 25001 -  30000     8.0             7.3           5.6                    8.5                     
  $ 30001 -  35000     7.3             7.8           6.5                    8.6                     
  $ 35001 -  40000     7.0             8.7           7.6                    9.1                     
  $ 40001 -  45000     5.7             8.0           7.9                    7.3                     
  $ 45001 -  50000     4.9             7.7           7.6                    6.9                     
  $ 50001 -  75000    14.0            27.9          31.5                   20.7                     
  $ 75001 - 100000     3.1             8.7          13.7                    4.4                     
  OVER $100,000        1.0             4.4           8.8                    1.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-18,135           $37                   1.73                     
  $     1  -  5000                  $2,677            $5                   0.72                     
  $  5001 -  10000                  $7,445          $143                   1.38                     
  $ 10001 -  15000                 $12,500          $495                   1.68                     
  $ 15001 -  20000                 $17,517          $914                   1.89                     
  $ 20001 -  25000                 $22,516        $1,371                   2.11                     
  $ 25001 -  30000                 $27,358        $1,744                   2.42                     
  $ 30001 -  35000                 $32,476        $2,239                   2.67                     
  $ 35001 -  40000                 $37,513        $2,743                   2.94                     
  $ 40001 -  45000                 $42,435        $3,481                   2.91                     
  $ 45001 -  50000                 $47,473        $3,906                   3.18                     
  $ 50001 -  75000                 $59,976        $5,628                   3.35                     
  $ 75001 - 100000                 $84,102       $11,017                   3.21                     
  OVER $100,000                   $138,850       $23,068                   3.05                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,168        $2,511                   2.27                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 1998 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 $ 5,000         539     $1,247,106       $11,572      0.93         161                      
  $  5001 -  10000      360     $2,635,278      $101,692      3.86         240                      
  $ 10001 -  15000      325     $4,048,708      $192,225      4.75         441                      
  $ 15001 -  20000      252     $4,409,800      $261,413      5.93         418                      
  $ 20001 -  25000      234     $5,236,831      $337,526      6.45         441                      
  $ 25001 -  30000      233     $6,422,126      $400,453      6.24         589                      
  $ 30001 -  35000      282     $9,152,970      $579,137      6.33         798                      
  $ 35001 -  40000      284    $10,655,568      $674,895      6.33         907                      
  $ 40001 -  45000      270    $11,459,736      $789,039      6.89         909                      
  $ 45001 -  50000      275    $13,022,262      $947,223      7.27         972                      
  $ 50001 -  75000      816    $49,304,341    $4,279,836      8.68       2,986                      
  $ 75001 - 100000      226    $19,011,264    $2,297,134     12.08         813                      
  OVER $100,000          54     $8,165,681    $1,414,887     17.33         216                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              4,150    $144,771,671   $12,287,032      8.49        9,891                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       13.0             0.9           0.1                    1.6                     
  $  5001 -  10000     8.7             1.8           0.8                    2.4                     
  $ 10001 -  15000     7.8             2.8           1.6                    4.5                     
  $ 15001 -  20000     6.1             3.0           2.1                    4.2                     
  $ 20001 -  25000     5.6             3.6           2.7                    4.5                     
  $ 25001 -  30000     5.6             4.4           3.3                    6.0                     
  $ 30001 -  35000     6.8             6.3           4.7                    8.1                     
  $ 35001 -  40000     6.8             7.4           5.5                    9.2                     
  $ 40001 -  45000     6.5             7.9           6.4                    9.2                     
  $ 45001 -  50000     6.6             9.0           7.7                    9.8                     
  $ 50001 -  75000    19.7            34.1          34.8                   30.2                     
  $ 75001 - 100000     5.4            13.1          18.7                    8.2                     
  OVER $100,000        1.3             5.6          11.5                    2.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,314           $21                   0.30                     
  $  5001 -  10000                  $7,320          $282                   0.67                     
  $ 10001 -  15000                 $12,458          $591                   1.36                     
  $ 15001 -  20000                 $17,499        $1,037                   1.66                     
  $ 20001 -  25000                 $22,380        $1,442                   1.88                     
  $ 25001 -  30000                 $27,563        $1,719                   2.53                     
  $ 30001 -  35000                 $32,457        $2,054                   2.83                     
  $ 35001 -  40000                 $37,520        $2,376                   3.19                     
  $ 40001 -  45000                 $42,443        $2,922                   3.37                     
  $ 45001 -  50000                 $47,354        $3,444                   3.53                     
  $ 50001 -  75000                 $60,422        $5,245                   3.66                     
  $ 75001 - 100000                 $84,121       $10,164                   3.60                     
  OVER $100,000                   $151,216       $26,202                   4.00                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $34,885        $2,961                   2.38                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 1998 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               15    $-1,015,391            $0      0.00          27                      
  $     1  -  5000      136       $361,996        $2,455      0.68          30                      
  $  5001 -  10000      117       $862,862       $27,191      3.15          95                      
  $ 10001 -  15000       89     $1,101,878       $50,763      4.61         113                      
  $ 15001 -  20000       78     $1,363,768       $64,065      4.70         157                      
  $ 20001 -  25000       72     $1,623,452       $94,536      5.82         166                      
  $ 25001 -  30000       67     $1,854,317      $131,970      7.12         147                      
  $ 30001 -  35000       59     $1,914,173      $123,058      6.43         166                      
  $ 35001 -  40000       57     $2,134,580      $153,711      7.20         168                      
  $ 40001 -  45000       45     $1,920,871      $146,769      7.64         142                      
  $ 45001 -  50000       48     $2,260,863      $174,224      7.71         160                      
  $ 50001 -  75000      186    $11,274,916      $968,341      8.59         696                      
  $ 75001 - 100000       47     $3,956,000      $479,832     12.13         169                      
  OVER $100,000          32     $8,232,916    $1,916,903     23.28         105                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,048     $37,847,201    $4,333,818     11.45        2,341                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.4            -2.7           0.0                    1.2                     
  $     1  -  5000    13.0             1.0           0.1                    1.3                     
  $  5001 -  10000    11.2             2.3           0.6                    4.1                     
  $ 10001 -  15000     8.5             2.9           1.2                    4.8                     
  $ 15001 -  20000     7.4             3.6           1.5                    6.7                     
  $ 20001 -  25000     6.9             4.3           2.2                    7.1                     
  $ 25001 -  30000     6.4             4.9           3.0                    6.3                     
  $ 30001 -  35000     5.6             5.1           2.8                    7.1                     
  $ 35001 -  40000     5.4             5.6           3.5                    7.2                     
  $ 40001 -  45000     4.3             5.1           3.4                    6.1                     
  $ 45001 -  50000     4.6             6.0           4.0                    6.8                     
  $ 50001 -  75000    17.7            29.8          22.3                   29.7                     
  $ 75001 - 100000     4.5            10.5          11.1                    7.2                     
  OVER $100,000        3.1            21.8          44.2                    4.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-67,693            $0                   1.80                     
  $     1  -  5000                  $2,662           $18                   0.22                     
  $  5001 -  10000                  $7,375          $232                   0.81                     
  $ 10001 -  15000                 $12,381          $570                   1.27                     
  $ 15001 -  20000                 $17,484          $821                   2.01                     
  $ 20001 -  25000                 $22,548        $1,313                   2.31                     
  $ 25001 -  30000                 $27,676        $1,970                   2.19                     
  $ 30001 -  35000                 $32,444        $2,086                   2.81                     
  $ 35001 -  40000                 $37,449        $2,697                   2.95                     
  $ 40001 -  45000                 $42,686        $3,262                   3.16                     
  $ 45001 -  50000                 $47,101        $3,630                   3.33                     
  $ 50001 -  75000                 $60,618        $5,206                   3.74                     
  $ 75001 - 100000                 $84,170       $10,209                   3.60                     
  OVER $100,000                   $257,279       $59,903                   3.28                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $36,114        $4,135                   2.23                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 1998 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               42   $-10,571,523          $278     -0.00         107                      
  $     1  -  5000      312       $825,259        $6,184      0.75         161                      
  $  5001 -  10000      232     $1,653,090       $43,204      2.61         246                      
  $ 10001 -  15000      186     $2,333,570       $85,030      3.64         348                      
  $ 15001 -  20000      139     $2,415,336       $91,369      3.78         341                      
  $ 20001 -  25000      103     $2,300,520      $114,433      4.97         272                      
  $ 25001 -  30000      106     $2,909,103      $157,314      5.41         316                      
  $ 30001 -  35000       82     $2,654,215      $136,144      5.13         280                      
  $ 35001 -  40000       91     $3,398,737      $196,538      5.78         366                      
  $ 40001 -  45000       78     $3,299,433      $233,432      7.07         279                      
  $ 45001 -  50000       71     $3,377,649      $262,226      7.76         259                      
  $ 50001 -  75000      313    $19,103,080    $1,582,984      8.29       1,355                      
  $ 75001 - 100000       75     $6,276,977      $721,230     11.49         314                      
  OVER $100,000          29     $4,632,130      $792,286     17.10         112                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,859     $44,607,576    $4,422,652      9.91        4,756                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             2.3           -23.7           0.0                    2.2                     
  $     1  -  5000    16.8             1.9           0.1                    3.4                     
  $  5001 -  10000    12.5             3.7           1.0                    5.2                     
  $ 10001 -  15000    10.0             5.2           1.9                    7.3                     
  $ 15001 -  20000     7.5             5.4           2.1                    7.2                     
  $ 20001 -  25000     5.5             5.2           2.6                    5.7                     
  $ 25001 -  30000     5.7             6.5           3.6                    6.6                     
  $ 30001 -  35000     4.4             6.0           3.1                    5.9                     
  $ 35001 -  40000     4.9             7.6           4.4                    7.7                     
  $ 40001 -  45000     4.2             7.4           5.3                    5.9                     
  $ 45001 -  50000     3.8             7.6           5.9                    5.4                     
  $ 50001 -  75000    16.8            42.8          35.8                   28.5                     
  $ 75001 - 100000     4.0            14.1          16.3                    6.6                     
  OVER $100,000        1.6            10.4          17.9                    2.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-251703            $7                   2.55                     
  $     1  -  5000                  $2,645           $20                   0.52                     
  $  5001 -  10000                  $7,125          $186                   1.06                     
  $ 10001 -  15000                 $12,546          $457                   1.87                     
  $ 15001 -  20000                 $17,377          $657                   2.45                     
  $ 20001 -  25000                 $22,335        $1,111                   2.64                     
  $ 25001 -  30000                 $27,444        $1,484                   2.98                     
  $ 30001 -  35000                 $32,368        $1,660                   3.41                     
  $ 35001 -  40000                 $37,349        $2,160                   4.02                     
  $ 40001 -  45000                 $42,300        $2,993                   3.58                     
  $ 45001 -  50000                 $47,573        $3,693                   3.65                     
  $ 50001 -  75000                 $61,032        $5,057                   4.33                     
  $ 75001 - 100000                 $83,693        $9,616                   4.19                     
  OVER $100,000                   $159,729       $27,320                   3.86                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $23,995        $2,379                   2.56                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 1998 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               49    $-1,114,268        $1,654     -0.15          97                      
  $     1  -  5000      858     $2,169,818       $15,290      0.70         271                      
  $  5001 -  10000      587     $4,320,663      $161,132      3.73         438                      
  $ 10001 -  15000      404     $5,031,316      $269,557      5.36         516                      
  $ 15001 -  20000      393     $6,838,148      $416,356      6.09         583                      
  $ 20001 -  25000      322     $7,219,962      $456,590      6.32         630                      
  $ 25001 -  30000      293     $8,041,994      $578,143      7.19         582                      
  $ 30001 -  35000      280     $9,152,946      $677,079      7.40         636                      
  $ 35001 -  40000      265     $9,912,273      $714,654      7.21         703                      
  $ 40001 -  45000      277    $11,781,681      $895,427      7.60         767                      
  $ 45001 -  50000      278    $13,191,096      $942,142      7.14         900                      
  $ 50001 -  75000    1,272    $79,425,791    $6,810,615      8.57       4,198                      
  $ 75001 - 100000      841    $72,297,435    $7,630,412     10.55       3,103                      
  $100001 - 250000      789   $108,918,403   $17,390,236     15.97       2,907                      
  OVER $250,000         113    $66,649,420   $16,670,997     25.01         410                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              7,021    $403,836,678   $53,630,284     13.28       16,741                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.7            -0.3           0.0                    0.6                     
  $     1  -  5000    12.2             0.5           0.0                    1.6                     
  $  5001 -  10000     8.4             1.1           0.3                    2.6                     
  $ 10001 -  15000     5.8             1.2           0.5                    3.1                     
  $ 15001 -  20000     5.6             1.7           0.8                    3.5                     
  $ 20001 -  25000     4.6             1.8           0.9                    3.8                     
  $ 25001 -  30000     4.2             2.0           1.1                    3.5                     
  $ 30001 -  35000     4.0             2.3           1.3                    3.8                     
  $ 35001 -  40000     3.8             2.5           1.3                    4.2                     
  $ 40001 -  45000     3.9             2.9           1.7                    4.6                     
  $ 45001 -  50000     4.0             3.3           1.8                    5.4                     
  $ 50001 -  75000    18.1            19.7          12.7                   25.1                     
  $ 75001 - 100000    12.0            17.9          14.2                   18.5                     
  $100001 - 250000    11.2            27.0          32.4                   17.4                     
  OVER $250,000        1.6            16.5          31.1                    2.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-22,740           $34                   1.98                     
  $     1  -  5000                  $2,529           $18                   0.32                     
  $  5001 -  10000                  $7,361          $275                   0.75                     
  $ 10001 -  15000                 $12,454          $667                   1.28                     
  $ 15001 -  20000                 $17,400        $1,059                   1.48                     
  $ 20001 -  25000                 $22,422        $1,418                   1.96                     
  $ 25001 -  30000                 $27,447        $1,973                   1.99                     
  $ 30001 -  35000                 $32,689        $2,418                   2.27                     
  $ 35001 -  40000                 $37,405        $2,697                   2.65                     
  $ 40001 -  45000                 $42,533        $3,233                   2.77                     
  $ 45001 -  50000                 $47,450        $3,389                   3.24                     
  $ 50001 -  75000                 $62,442        $5,354                   3.30                     
  $ 75001 - 100000                 $85,966        $9,073                   3.69                     
  $100001 - 250000                $138,046       $22,041                   3.68                     
  OVER $250,000                   $589,818      $147,531                   3.63                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $57,518        $7,639                   2.38                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 1998 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               17      $-574,066          $279     -0.05          35                      
  $     1  -  5000      123       $312,680          $289      0.09          89                      
  $  5001 -  10000      111       $845,764       $10,125      1.20         192                      
  $ 10001 -  15000       86     $1,082,278       $35,422      3.27         171                      
  $ 15001 -  20000       78     $1,376,944       $47,285      3.43         194                      
  $ 20001 -  25000       83     $1,881,746       $96,406      5.12         218                      
  $ 25001 -  30000       64     $1,754,150       $92,702      5.28         205                      
  $ 30001 -  35000       50     $1,614,557      $100,391      6.22         163                      
  $ 35001 -  40000       56     $2,087,443      $120,648      5.78         214                      
  $ 40001 -  45000       42     $1,762,445      $121,200      6.88         146                      
  $ 45001 -  50000       40     $1,882,886      $157,673      8.37         141                      
  $ 50001 -  75000       64     $3,814,173      $333,103      8.73         237                      
  OVER $ 75,000          24     $3,243,082      $534,995     16.50          79                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                838     $21,084,082    $1,650,518      7.83        2,084                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             2.0            -2.7           0.0                    1.7                     
  $     1  -  5000    14.7             1.5           0.0                    4.3                     
  $  5001 -  10000    13.2             4.0           0.6                    9.2                     
  $ 10001 -  15000    10.3             5.1           2.1                    8.2                     
  $ 15001 -  20000     9.3             6.5           2.9                    9.3                     
  $ 20001 -  25000     9.9             8.9           5.8                   10.5                     
  $ 25001 -  30000     7.6             8.3           5.6                    9.8                     
  $ 30001 -  35000     6.0             7.7           6.1                    7.8                     
  $ 35001 -  40000     6.7             9.9           7.3                   10.3                     
  $ 40001 -  45000     5.0             8.4           7.3                    7.0                     
  $ 45001 -  50000     4.8             8.9           9.6                    6.8                     
  $ 50001 -  75000     7.6            18.1          20.2                   11.4                     
  OVER $ 75,000        2.9            15.4          32.4                    3.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-33,769           $16                   2.06                     
  $     1  -  5000                  $2,542            $2                   0.72                     
  $  5001 -  10000                  $7,619           $91                   1.73                     
  $ 10001 -  15000                 $12,585          $412                   1.99                     
  $ 15001 -  20000                 $17,653          $606                   2.49                     
  $ 20001 -  25000                 $22,672        $1,162                   2.63                     
  $ 25001 -  30000                 $27,409        $1,448                   3.20                     
  $ 30001 -  35000                 $32,291        $2,008                   3.26                     
  $ 35001 -  40000                 $37,276        $2,154                   3.82                     
  $ 40001 -  45000                 $41,963        $2,886                   3.48                     
  $ 45001 -  50000                 $47,072        $3,942                   3.53                     
  $ 50001 -  75000                 $59,596        $5,205                   3.70                     
  OVER $ 75,000                   $135,128       $22,291                   3.29                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $25,160        $1,970                   2.49                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 1998 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         113       $104,758        $2,819      2.69          32                      
  $  5001 -  10000       70       $495,057       $18,372      3.71          48                      
  $ 10001 -  15000       57       $706,283       $31,742      4.49          85                      
  $ 15001 -  20000       48       $834,105       $49,920      5.98          73                      
  $ 20001 -  25000       46     $1,013,266       $63,706      6.29          89                      
  $ 25001 -  30000       45     $1,243,276       $87,230      7.02         100                      
  $ 30001 -  35000       44     $1,443,228       $84,185      5.83         130                      
  $ 35001 -  40000       40     $1,495,505      $116,799      7.81         107                      
  $ 40001 -  45000       41     $1,743,445      $123,074      7.06         135                      
  $ 45001 -  50000       41     $1,940,283      $147,266      7.59         135                      
  $ 50001 -  75000      173    $10,788,312      $995,149      9.22         570                      
  $ 75001 - 100000       97     $8,343,906      $987,246     11.83         328                      
  OVER $100,000         108    $16,441,475    $3,144,994     19.13         321                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                923     $46,592,899    $5,852,502     12.56        2,153                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       12.2             0.2           0.0                    1.5                     
  $  5001 -  10000     7.6             1.1           0.3                    2.2                     
  $ 10001 -  15000     6.2             1.5           0.5                    3.9                     
  $ 15001 -  20000     5.2             1.8           0.9                    3.4                     
  $ 20001 -  25000     5.0             2.2           1.1                    4.1                     
  $ 25001 -  30000     4.9             2.7           1.5                    4.6                     
  $ 30001 -  35000     4.8             3.1           1.4                    6.0                     
  $ 35001 -  40000     4.3             3.2           2.0                    5.0                     
  $ 40001 -  45000     4.4             3.7           2.1                    6.3                     
  $ 45001 -  50000     4.4             4.2           2.5                    6.3                     
  $ 50001 -  75000    18.7            23.2          17.0                   26.5                     
  $ 75001 - 100000    10.5            17.9          16.9                   15.2                     
  OVER $100,000       11.7            35.3          53.7                   14.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                       $927           $25                   0.28                     
  $  5001 -  10000                  $7,072          $262                   0.69                     
  $ 10001 -  15000                 $12,391          $557                   1.49                     
  $ 15001 -  20000                 $17,377        $1,040                   1.52                     
  $ 20001 -  25000                 $22,028        $1,385                   1.93                     
  $ 25001 -  30000                 $27,628        $1,938                   2.22                     
  $ 30001 -  35000                 $32,801        $1,913                   2.95                     
  $ 35001 -  40000                 $37,388        $2,920                   2.68                     
  $ 40001 -  45000                 $42,523        $3,002                   3.29                     
  $ 45001 -  50000                 $47,324        $3,592                   3.29                     
  $ 50001 -  75000                 $62,360        $5,752                   3.29                     
  $ 75001 - 100000                 $86,020       $10,178                   3.38                     
  OVER $100,000                   $152,236       $29,120                   2.97                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $50,480        $6,341                   2.33                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 1998 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      $-171,154          $349     -0.20          27                      
  $     1  -  5000      207       $540,204        $5,261      0.97          76                      
  $  5001 -  10000      170     $1,204,686       $23,507      1.95         220                      
  $ 10001 -  15000      111     $1,356,086       $33,496      2.47         240                      
  $ 15001 -  20000      101     $1,771,968       $65,632      3.70         240                      
  $ 20001 -  25000       94     $2,079,483       $92,127      4.43         268                      
  $ 25001 -  30000       59     $1,605,604       $86,663      5.40         183                      
  $ 30001 -  35000       59     $1,936,665      $111,204      5.74         202                      
  $ 35001 -  40000       48     $1,805,533      $132,644      7.35         149                      
  $ 40001 -  45000       31     $1,312,701       $74,240      5.66         127                      
  $ 45001 -  50000       48     $2,310,143      $120,203      5.20         236                      
  $ 50001 -  75000      131     $7,967,021      $672,254      8.44         543                      
  $ 75001 - 100000       32     $2,814,641      $314,058     11.16         137                      
  OVER $100,000          29     $5,276,971    $1,121,225     21.25         113                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,130     $31,810,552    $2,852,863      8.97        2,761                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.9            -0.5           0.0                    1.0                     
  $     1  -  5000    18.3             1.7           0.2                    2.8                     
  $  5001 -  10000    15.0             3.8           0.8                    8.0                     
  $ 10001 -  15000     9.8             4.3           1.2                    8.7                     
  $ 15001 -  20000     8.9             5.6           2.3                    8.7                     
  $ 20001 -  25000     8.3             6.5           3.2                    9.7                     
  $ 25001 -  30000     5.2             5.0           3.0                    6.6                     
  $ 30001 -  35000     5.2             6.1           3.9                    7.3                     
  $ 35001 -  40000     4.2             5.7           4.6                    5.4                     
  $ 40001 -  45000     2.7             4.1           2.6                    4.6                     
  $ 45001 -  50000     4.2             7.3           4.2                    8.5                     
  $ 50001 -  75000    11.6            25.0          23.6                   19.7                     
  $ 75001 - 100000     2.8             8.8          11.0                    5.0                     
  OVER $100,000        2.6            16.6          39.3                    4.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-17,115           $35                   2.70                     
  $     1  -  5000                  $2,610           $25                   0.37                     
  $  5001 -  10000                  $7,086          $138                   1.29                     
  $ 10001 -  15000                 $12,217          $302                   2.16                     
  $ 15001 -  20000                 $17,544          $650                   2.38                     
  $ 20001 -  25000                 $22,122          $980                   2.85                     
  $ 25001 -  30000                 $27,214        $1,469                   3.10                     
  $ 30001 -  35000                 $32,825        $1,885                   3.42                     
  $ 35001 -  40000                 $37,615        $2,763                   3.10                     
  $ 40001 -  45000                 $42,345        $2,395                   4.10                     
  $ 45001 -  50000                 $48,128        $2,504                   4.92                     
  $ 50001 -  75000                 $60,817        $5,132                   4.15                     
  $ 75001 - 100000                 $87,958        $9,814                   4.28                     
  OVER $100,000                   $181,965       $38,663                   3.90                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $28,151        $2,525                   2.44                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   FAIRVIEW UT                                                      
                        _________________________________________________                           
  UNDER $1               18      $-492,182            $0      0.00          43                      
  $     1  -  5000      122       $318,386        $2,639      0.83          90                      
  $  5001 -  10000       76       $566,908        $9,536      1.68         121                      
  $ 10001 -  15000       76       $963,487       $31,365      3.26         156                      
  $ 15001 -  20000       72     $1,273,885       $58,054      4.56         153                      
  $ 20001 -  25000       44       $989,993       $55,794      5.64         113                      
  $ 25001 -  30000       53     $1,453,502       $71,550      4.92         162                      
  $ 30001 -  35000       55     $1,752,521       $98,965      5.65         170                      
  $ 35001 -  40000       35     $1,315,326       $84,025      6.39         135                      
  $ 40001 -  45000       38     $1,601,527       $84,262      5.26         153                      
  $ 45001 -  50000       41     $1,952,072      $132,745      6.80         162                      
  $ 50001 -  75000      111     $6,611,994      $558,497      8.45         424                      
  OVER $ 75,000          33     $3,232,789      $461,622     14.28         130                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                774     $21,540,208    $1,649,054      7.66        2,012                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             2.3            -2.3           0.0                    2.1                     
  $     1  -  5000    15.8             1.5           0.2                    4.5                     
  $  5001 -  10000     9.8             2.6           0.6                    6.0                     
  $ 10001 -  15000     9.8             4.5           1.9                    7.8                     
  $ 15001 -  20000     9.3             5.9           3.5                    7.6                     
  $ 20001 -  25000     5.7             4.6           3.4                    5.6                     
  $ 25001 -  30000     6.8             6.7           4.3                    8.1                     
  $ 30001 -  35000     7.1             8.1           6.0                    8.4                     
  $ 35001 -  40000     4.5             6.1           5.1                    6.7                     
  $ 40001 -  45000     4.9             7.4           5.1                    7.6                     
  $ 45001 -  50000     5.3             9.1           8.0                    8.1                     
  $ 50001 -  75000    14.3            30.7          33.9                   21.1                     
  OVER $ 75,000        4.3            15.0          28.0                    6.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-27,343            $0                   2.39                     
  $     1  -  5000                  $2,610           $22                   0.74                     
  $  5001 -  10000                  $7,459          $125                   1.59                     
  $ 10001 -  15000                 $12,677          $413                   2.05                     
  $ 15001 -  20000                 $17,693          $806                   2.13                     
  $ 20001 -  25000                 $22,500        $1,268                   2.57                     
  $ 25001 -  30000                 $27,425        $1,350                   3.06                     
  $ 30001 -  35000                 $31,864        $1,799                   3.09                     
  $ 35001 -  40000                 $37,581        $2,401                   3.86                     
  $ 40001 -  45000                 $42,145        $2,217                   4.03                     
  $ 45001 -  50000                 $47,612        $3,238                   3.95                     
  $ 50001 -  75000                 $59,568        $5,032                   3.82                     
  OVER $ 75,000                    $97,963       $13,989                   3.94                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $27,830        $2,131                   2.60                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 1998 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               21      $-420,839            $0      0.00          39                      
  $     1  -  5000      812     $2,083,484       $25,737      1.24         155                      
  $  5001 -  10000      461     $3,280,589      $130,221      3.97         293                      
  $ 10001 -  15000      280     $3,455,484      $167,533      4.85         352                      
  $ 15001 -  20000      245     $4,255,485      $254,168      5.97         377                      
  $ 20001 -  25000      220     $4,942,919      $352,981      7.14         400                      
  $ 25001 -  30000      185     $5,072,457      $346,967      6.84         391                      
  $ 30001 -  35000      169     $5,499,359      $357,591      6.50         438                      
  $ 35001 -  40000      145     $5,446,267      $352,238      6.47         452                      
  $ 40001 -  45000      146     $6,210,428      $430,083      6.93         485                      
  $ 45001 -  50000      147     $6,981,957      $480,487      6.88         488                      
  $ 50001 -  75000      764    $47,726,466    $3,857,359      8.08       2,965                      
  $ 75001 - 100000      425    $36,855,283    $3,943,022     10.70       1,713                      
  $100001 - 250000      403    $56,409,565    $8,893,952     15.77       1,649                      
  OVER $250,000          89    $46,045,544   $10,989,856     23.87         387                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              4,512    $233,844,448   $30,582,195     13.08       10,584                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.5            -0.2           0.0                    0.4                     
  $     1  -  5000    18.0             0.9           0.1                    1.5                     
  $  5001 -  10000    10.2             1.4           0.4                    2.8                     
  $ 10001 -  15000     6.2             1.5           0.5                    3.3                     
  $ 15001 -  20000     5.4             1.8           0.8                    3.6                     
  $ 20001 -  25000     4.9             2.1           1.2                    3.8                     
  $ 25001 -  30000     4.1             2.2           1.1                    3.7                     
  $ 30001 -  35000     3.7             2.4           1.2                    4.1                     
  $ 35001 -  40000     3.2             2.3           1.2                    4.3                     
  $ 40001 -  45000     3.2             2.7           1.4                    4.6                     
  $ 45001 -  50000     3.3             3.0           1.6                    4.6                     
  $ 50001 -  75000    16.9            20.4          12.6                   28.0                     
  $ 75001 - 100000     9.4            15.8          12.9                   16.2                     
  $100001 - 250000     8.9            24.1          29.1                   15.6                     
  OVER $250,000        2.0            19.7          35.9                    3.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-20,040            $0                   1.86                     
  $     1  -  5000                  $2,566           $32                   0.19                     
  $  5001 -  10000                  $7,116          $282                   0.64                     
  $ 10001 -  15000                 $12,341          $598                   1.26                     
  $ 15001 -  20000                 $17,369        $1,037                   1.54                     
  $ 20001 -  25000                 $22,468        $1,604                   1.82                     
  $ 25001 -  30000                 $27,419        $1,875                   2.11                     
  $ 30001 -  35000                 $32,541        $2,116                   2.59                     
  $ 35001 -  40000                 $37,560        $2,429                   3.12                     
  $ 40001 -  45000                 $42,537        $2,946                   3.32                     
  $ 45001 -  50000                 $47,496        $3,269                   3.32                     
  $ 50001 -  75000                 $62,469        $5,049                   3.88                     
  $ 75001 - 100000                 $86,718        $9,278                   4.03                     
  $100001 - 250000                $139,974       $22,069                   4.09                     
  OVER $250,000                   $517,366      $123,482                   4.35                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $51,827        $6,778                   2.35                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 1998 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               17      $-377,413        $5,506     -1.46          46                      
  $     1  -  5000      136       $351,647          $759      0.22          94                      
  $  5001 -  10000      139     $1,005,894       $22,188      2.21         193                      
  $ 10001 -  15000       94     $1,197,982       $40,761      3.40         175                      
  $ 15001 -  20000       71     $1,234,564       $49,812      4.03         172                      
  $ 20001 -  25000       75     $1,680,939       $71,317      4.24         235                      
  $ 25001 -  30000       53     $1,447,292       $73,940      5.11         159                      
  $ 30001 -  35000       52     $1,693,689       $88,578      5.23         183                      
  $ 35001 -  40000       54     $2,036,086      $121,247      5.95         201                      
  $ 40001 -  45000       55     $2,351,443      $152,399      6.48         226                      
  $ 45001 -  50000       31     $1,464,029       $98,363      6.72         125                      
  $ 50001 -  75000      117     $7,008,231      $616,653      8.80         444                      
  $ 75001 - 100000       25     $2,082,989      $262,049     12.58          86                      
  $100001 - 250000       15     $2,139,016      $349,439     16.34          51                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                934     $25,316,388    $1,953,011      7.71        2,390                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.8            -1.5           0.3                    1.9                     
  $     1  -  5000    14.6             1.4           0.0                    3.9                     
  $  5001 -  10000    14.9             4.0           1.1                    8.1                     
  $ 10001 -  15000    10.1             4.7           2.1                    7.3                     
  $ 15001 -  20000     7.6             4.9           2.6                    7.2                     
  $ 20001 -  25000     8.0             6.6           3.7                    9.8                     
  $ 25001 -  30000     5.7             5.7           3.8                    6.7                     
  $ 30001 -  35000     5.6             6.7           4.5                    7.7                     
  $ 35001 -  40000     5.8             8.0           6.2                    8.4                     
  $ 40001 -  45000     5.9             9.3           7.8                    9.5                     
  $ 45001 -  50000     3.3             5.8           5.0                    5.2                     
  $ 50001 -  75000    12.5            27.7          31.6                   18.6                     
  $ 75001 - 100000     2.7             8.2          13.4                    3.6                     
  $100001 - 250000     1.6             8.4          17.9                    2.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-22,201          $324                   2.71                     
  $     1  -  5000                  $2,586            $6                   0.69                     
  $  5001 -  10000                  $7,237          $160                   1.39                     
  $ 10001 -  15000                 $12,744          $434                   1.86                     
  $ 15001 -  20000                 $17,388          $702                   2.42                     
  $ 20001 -  25000                 $22,413          $951                   3.13                     
  $ 25001 -  30000                 $27,307        $1,395                   3.00                     
  $ 30001 -  35000                 $32,571        $1,703                   3.52                     
  $ 35001 -  40000                 $37,705        $2,245                   3.72                     
  $ 40001 -  45000                 $42,754        $2,771                   4.11                     
  $ 45001 -  50000                 $47,227        $3,173                   4.03                     
  $ 50001 -  75000                 $59,899        $5,271                   3.79                     
  $ 75001 - 100000                 $83,320       $10,482                   3.44                     
  $100001 - 250000                $142,601       $23,296                   3.40                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $27,105        $2,091                   2.56                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                    
                                                                                                    
****************************SUMMARY OF 1998 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 $1               14       $-35,567            $0      0.00          12                      
  $     1  -  5000      364       $964,707        $8,548      0.89          67                      
  $  5001 -  10000      195     $1,428,438       $67,502      4.73          92                      
  $ 10001 -  15000      141     $1,716,097       $95,463      5.56         132                      
  $ 15001 -  20000       86     $1,506,839      $108,851      7.22         115                      
  $ 20001 -  25000       80     $1,782,387      $128,715      7.22         128                      
  $ 25001 -  30000       69     $1,887,525      $138,806      7.35         147                      
  $ 30001 -  35000       50     $1,631,880      $115,400      7.07         107                      
  $ 35001 -  40000       41     $1,545,092      $122,130      7.90         103                      
  $ 40001 -  45000       50     $2,121,368      $146,046      6.88         144                      
  $ 45001 -  50000       57     $2,713,039      $211,898      7.81         167                      
  $ 50001 -  75000      261    $16,284,067    $1,188,956      7.30       1,053                      
  $ 75001 - 100000      182    $15,725,819    $1,623,900     10.33         761                      
  $100001 - 250000      187    $25,276,188    $3,838,376     15.19         788                      
  OVER $250,000          29    $15,498,119    $3,982,361     25.70         129                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,806     $90,045,998   $11,776,952     13.08        3,945                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -0.0           0.0                    0.3                     
  $     1  -  5000    20.2             1.1           0.1                    1.7                     
  $  5001 -  10000    10.8             1.6           0.6                    2.3                     
  $ 10001 -  15000     7.8             1.9           0.8                    3.3                     
  $ 15001 -  20000     4.8             1.7           0.9                    2.9                     
  $ 20001 -  25000     4.4             2.0           1.1                    3.2                     
  $ 25001 -  30000     3.8             2.1           1.2                    3.7                     
  $ 30001 -  35000     2.8             1.8           1.0                    2.7                     
  $ 35001 -  40000     2.3             1.7           1.0                    2.6                     
  $ 40001 -  45000     2.8             2.4           1.2                    3.7                     
  $ 45001 -  50000     3.2             3.0           1.8                    4.2                     
  $ 50001 -  75000    14.5            18.1          10.1                   26.7                     
  $ 75001 - 100000    10.1            17.5          13.8                   19.3                     
  $100001 - 250000    10.4            28.1          32.6                   20.0                     
  OVER $250,000        1.6            17.2          33.8                    3.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                         $-2,541            $0                   0.86                     
  $     1  -  5000                  $2,650           $23                   0.18                     
  $  5001 -  10000                  $7,325          $346                   0.47                     
  $ 10001 -  15000                 $12,171          $677                   0.94                     
  $ 15001 -  20000                 $17,521        $1,266                   1.34                     
  $ 20001 -  25000                 $22,280        $1,609                   1.60                     
  $ 25001 -  30000                 $27,355        $2,012                   2.13                     
  $ 30001 -  35000                 $32,638        $2,308                   2.14                     
  $ 35001 -  40000                 $37,685        $2,979                   2.51                     
  $ 40001 -  45000                 $42,427        $2,921                   2.88                     
  $ 45001 -  50000                 $47,597        $3,718                   2.93                     
  $ 50001 -  75000                 $62,391        $4,555                   4.03                     
  $ 75001 - 100000                 $86,406        $8,923                   4.18                     
  $100001 - 250000                $135,167       $20,526                   4.21                     
  OVER $250,000                   $534,418      $137,323                   4.45                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $49,859        $6,521                   2.18                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 1998 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               10      $-618,613            $0      0.00          14                      
  $     1  -  5000      158       $422,157        $1,847      0.44          89                      
  $  5001 -  10000      106       $784,191       $22,909      2.92         125                      
  $ 10001 -  15000      106     $1,318,230       $46,028      3.49         189                      
  $ 15001 -  20000       71     $1,247,071       $62,004      4.97         140                      
  $ 20001 -  25000      103     $2,311,678      $127,356      5.51         262                      
  $ 25001 -  30000       87     $2,383,424      $123,299      5.17         251                      
  $ 30001 -  35000       79     $2,570,361      $141,794      5.52         255                      
  $ 35001 -  40000       77     $2,902,273      $212,376      7.32         236                      
  $ 40001 -  45000       67     $2,854,515      $220,146      7.71         229                      
  $ 45001 -  50000       67     $3,160,504      $213,506      6.76         270                      
  $ 50001 -  75000      185    $11,178,863      $966,300      8.64         747                      
  $ 75001 - 100000       57     $4,769,370      $559,756     11.74         233                      
  OVER $100,000          13     $2,033,543      $327,265     16.09          63                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,186     $37,317,567    $3,024,586      8.10        3,103                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -1.7           0.0                    0.5                     
  $     1  -  5000    13.3             1.1           0.1                    2.9                     
  $  5001 -  10000     8.9             2.1           0.8                    4.0                     
  $ 10001 -  15000     8.9             3.5           1.5                    6.1                     
  $ 15001 -  20000     6.0             3.3           2.0                    4.5                     
  $ 20001 -  25000     8.7             6.2           4.2                    8.4                     
  $ 25001 -  30000     7.3             6.4           4.1                    8.1                     
  $ 30001 -  35000     6.7             6.9           4.7                    8.2                     
  $ 35001 -  40000     6.5             7.8           7.0                    7.6                     
  $ 40001 -  45000     5.6             7.6           7.3                    7.4                     
  $ 45001 -  50000     5.6             8.5           7.1                    8.7                     
  $ 50001 -  75000    15.6            30.0          31.9                   24.1                     
  $ 75001 - 100000     4.8            12.8          18.5                    7.5                     
  OVER $100,000        1.1             5.4          10.8                    2.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-61,861            $0                   1.40                     
  $     1  -  5000                  $2,672           $12                   0.56                     
  $  5001 -  10000                  $7,398          $216                   1.18                     
  $ 10001 -  15000                 $12,436          $434                   1.78                     
  $ 15001 -  20000                 $17,564          $873                   1.97                     
  $ 20001 -  25000                 $22,443        $1,236                   2.54                     
  $ 25001 -  30000                 $27,396        $1,417                   2.89                     
  $ 30001 -  35000                 $32,536        $1,795                   3.23                     
  $ 35001 -  40000                 $37,692        $2,758                   3.06                     
  $ 40001 -  45000                 $42,605        $3,286                   3.42                     
  $ 45001 -  50000                 $47,172        $3,187                   4.03                     
  $ 50001 -  75000                 $60,426        $5,223                   4.04                     
  $ 75001 - 100000                 $83,673        $9,820                   4.09                     
  OVER $100,000                   $156,426       $25,174                   4.85                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $31,465        $2,550                   2.62                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 1998 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         354       $716,669        $7,185      1.00         153                      
  $  5001 -  10000      204     $1,509,738       $36,435      2.41         241                      
  $ 10001 -  15000      203     $2,509,684       $99,316      3.96         324                      
  $ 15001 -  20000      198     $3,454,876      $173,246      5.01         382                      
  $ 20001 -  25000      193     $4,355,351      $266,643      6.12         414                      
  $ 25001 -  30000      141     $3,860,821      $244,602      6.34         349                      
  $ 30001 -  35000      168     $5,453,682      $380,769      6.98         463                      
  $ 35001 -  40000      160     $6,011,654      $436,903      7.27         489                      
  $ 40001 -  45000      142     $6,014,301      $468,599      7.79         450                      
  $ 45001 -  50000      145     $6,907,210      $554,021      8.02         490                      
  $ 50001 -  75000      390    $23,691,393    $2,187,077      9.23       1,379                      
  $ 75001 - 100000      114     $9,547,543    $1,166,667     12.22         417                      
  OVER $100,000          41     $5,908,437    $1,029,979     17.43         154                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,453     $79,941,359    $7,051,442      8.82        5,705                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       14.4             0.9           0.1                    2.7                     
  $  5001 -  10000     8.3             1.9           0.5                    4.2                     
  $ 10001 -  15000     8.3             3.1           1.4                    5.7                     
  $ 15001 -  20000     8.1             4.3           2.5                    6.7                     
  $ 20001 -  25000     7.9             5.4           3.8                    7.3                     
  $ 25001 -  30000     5.7             4.8           3.5                    6.1                     
  $ 30001 -  35000     6.8             6.8           5.4                    8.1                     
  $ 35001 -  40000     6.5             7.5           6.2                    8.6                     
  $ 40001 -  45000     5.8             7.5           6.6                    7.9                     
  $ 45001 -  50000     5.9             8.6           7.9                    8.6                     
  $ 50001 -  75000    15.9            29.6          31.0                   24.2                     
  $ 75001 - 100000     4.6            11.9          16.5                    7.3                     
  OVER $100,000        1.7             7.4          14.6                    2.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,024           $20                   0.43                     
  $  5001 -  10000                  $7,401          $179                   1.18                     
  $ 10001 -  15000                 $12,363          $489                   1.60                     
  $ 15001 -  20000                 $17,449          $875                   1.93                     
  $ 20001 -  25000                 $22,567        $1,382                   2.15                     
  $ 25001 -  30000                 $27,382        $1,735                   2.48                     
  $ 30001 -  35000                 $32,462        $2,266                   2.76                     
  $ 35001 -  40000                 $37,573        $2,731                   3.06                     
  $ 40001 -  45000                 $42,354        $3,300                   3.17                     
  $ 45001 -  50000                 $47,636        $3,821                   3.38                     
  $ 50001 -  75000                 $60,747        $5,608                   3.54                     
  $ 75001 - 100000                 $83,750       $10,234                   3.66                     
  OVER $100,000                   $144,108       $25,121                   3.76                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $32,589        $2,875                   2.33                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 1998 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               27      $-433,624            $0      0.00          81                      
  $     1  -  5000      586     $1,590,114       $13,075      0.82         217                      
  $  5001 -  10000      410     $3,004,539       $93,102      3.10         340                      
  $ 10001 -  15000      334     $4,217,273      $163,088      3.87         537                      
  $ 15001 -  20000      329     $5,739,273      $303,257      5.28         612                      
  $ 20001 -  25000      275     $6,171,335      $398,284      6.45         578                      
  $ 25001 -  30000      246     $6,765,289      $414,713      6.13         614                      
  $ 30001 -  35000      202     $6,580,179      $416,727      6.33         574                      
  $ 35001 -  40000      220     $8,233,459      $554,218      6.73         672                      
  $ 40001 -  45000      199     $8,430,619      $617,626      7.33         617                      
  $ 45001 -  50000      185     $8,786,976      $616,765      7.02         670                      
  $ 50001 -  75000      609    $36,641,331    $3,120,499      8.52       2,178                      
  $ 75001 - 100000      171    $14,577,099    $1,581,027     10.85         623                      
  $100001 - 250000      142    $20,344,026    $3,210,489     15.78         509                      
  OVER $250,000          28    $11,888,531    $3,126,210     26.30          93                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,963    $142,536,419   $14,629,080     10.26        8,915                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.7            -0.3           0.0                    0.9                     
  $     1  -  5000    14.8             1.1           0.1                    2.4                     
  $  5001 -  10000    10.3             2.1           0.6                    3.8                     
  $ 10001 -  15000     8.4             3.0           1.1                    6.0                     
  $ 15001 -  20000     8.3             4.0           2.1                    6.9                     
  $ 20001 -  25000     6.9             4.3           2.7                    6.5                     
  $ 25001 -  30000     6.2             4.7           2.8                    6.9                     
  $ 30001 -  35000     5.1             4.6           2.8                    6.4                     
  $ 35001 -  40000     5.6             5.8           3.8                    7.5                     
  $ 40001 -  45000     5.0             5.9           4.2                    6.9                     
  $ 45001 -  50000     4.7             6.2           4.2                    7.5                     
  $ 50001 -  75000    15.4            25.7          21.3                   24.4                     
  $ 75001 - 100000     4.3            10.2          10.8                    7.0                     
  $100001 - 250000     3.6            14.3          21.9                    5.7                     
  OVER $250,000        0.7             8.3          21.4                    1.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-16,060            $0                   3.00                     
  $     1  -  5000                  $2,714           $22                   0.37                     
  $  5001 -  10000                  $7,328          $227                   0.83                     
  $ 10001 -  15000                 $12,627          $488                   1.61                     
  $ 15001 -  20000                 $17,445          $922                   1.86                     
  $ 20001 -  25000                 $22,441        $1,448                   2.10                     
  $ 25001 -  30000                 $27,501        $1,686                   2.50                     
  $ 30001 -  35000                 $32,575        $2,063                   2.84                     
  $ 35001 -  40000                 $37,425        $2,519                   3.05                     
  $ 40001 -  45000                 $42,365        $3,104                   3.10                     
  $ 45001 -  50000                 $47,497        $3,334                   3.62                     
  $ 50001 -  75000                 $60,166        $5,124                   3.58                     
  $ 75001 - 100000                 $85,246        $9,246                   3.64                     
  $100001 - 250000                $143,268       $22,609                   3.58                     
  OVER $250,000                   $424,590      $111,650                   3.32                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $35,967        $3,691                   2.25                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 1998 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               12      $-375,475            $0      0.00          13                      
  $     1  -  5000      171       $432,577        $2,881      0.67         127                      
  $  5001 -  10000      186     $1,370,706       $28,362      2.07         225                      
  $ 10001 -  15000      159     $1,967,845       $83,110      4.22         242                      
  $ 15001 -  20000      139     $2,410,872      $109,837      4.56         285                      
  $ 20001 -  25000      109     $2,467,336      $132,348      5.36         260                      
  $ 25001 -  30000       87     $2,370,252      $153,641      6.48         212                      
  $ 30001 -  35000       73     $2,369,602      $185,727      7.84         178                      
  $ 35001 -  40000       80     $3,006,941      $257,861      8.58         205                      
  $ 40001 -  45000       79     $3,361,055      $303,254      9.02         228                      
  $ 45001 -  50000       70     $3,321,223      $323,718      9.75         191                      
  $ 50001 -  75000      267    $16,481,453    $1,757,925     10.67         875                      
  $ 75001 - 100000       91     $7,634,494    $1,084,924     14.21         288                      
  $100001 - 250000       29     $3,650,830      $678,734     18.59          90                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,552     $50,469,711    $5,102,322     10.11        3,419                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -0.7           0.0                    0.4                     
  $     1  -  5000    11.0             0.9           0.1                    3.7                     
  $  5001 -  10000    12.0             2.7           0.6                    6.6                     
  $ 10001 -  15000    10.2             3.9           1.6                    7.1                     
  $ 15001 -  20000     9.0             4.8           2.2                    8.3                     
  $ 20001 -  25000     7.0             4.9           2.6                    7.6                     
  $ 25001 -  30000     5.6             4.7           3.0                    6.2                     
  $ 30001 -  35000     4.7             4.7           3.6                    5.2                     
  $ 35001 -  40000     5.2             6.0           5.1                    6.0                     
  $ 40001 -  45000     5.1             6.7           5.9                    6.7                     
  $ 45001 -  50000     4.5             6.6           6.3                    5.6                     
  $ 50001 -  75000    17.2            32.7          34.5                   25.6                     
  $ 75001 - 100000     5.9            15.1          21.3                    8.4                     
  $100001 - 250000     1.9             7.2          13.3                    2.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-31,290            $0                   1.08                     
  $     1  -  5000                  $2,530           $17                   0.74                     
  $  5001 -  10000                  $7,369          $152                   1.21                     
  $ 10001 -  15000                 $12,376          $523                   1.52                     
  $ 15001 -  20000                 $17,344          $790                   2.05                     
  $ 20001 -  25000                 $22,636        $1,214                   2.39                     
  $ 25001 -  30000                 $27,244        $1,766                   2.44                     
  $ 30001 -  35000                 $32,460        $2,544                   2.44                     
  $ 35001 -  40000                 $37,587        $3,223                   2.56                     
  $ 40001 -  45000                 $42,545        $3,839                   2.89                     
  $ 45001 -  50000                 $47,446        $4,625                   2.73                     
  $ 50001 -  75000                 $61,728        $6,584                   3.28                     
  $ 75001 - 100000                 $83,896       $11,922                   3.16                     
  $100001 - 250000                $125,891       $23,405                   3.10                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $32,519        $3,288                   2.20                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   HERRIMAN UT                                                      
                        _________________________________________________                           
  UNDER $ 5,000          99       $251,841        $1,990      0.79          28                      
  $  5001 -  10000       72       $538,394       $18,862      3.50          65                      
  $ 10001 -  15000       50       $630,325       $28,552      4.53          74                      
  $ 15001 -  20000       67     $1,150,557       $65,814      5.72         120                      
  $ 20001 -  25000       52     $1,155,788       $61,014      5.28         139                      
  $ 25001 -  30000       32       $870,277       $57,164      6.57          71                      
  $ 30001 -  35000       34     $1,097,917       $82,251      7.49          80                      
  $ 35001 -  40000       45     $1,673,950      $103,481      6.18         130                      
  $ 40001 -  45000       22       $932,021       $50,709      5.44          88                      
  $ 45001 -  50000       47     $2,233,053      $135,949      6.09         171                      
  $ 50001 -  75000      177    $10,843,364      $919,296      8.48         627                      
  $ 75001 - 100000       72     $6,113,226      $670,231     10.96         272                      
  OVER $100,000          32     $4,379,232      $758,179     17.31         103                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                801     $31,869,945    $2,953,492      9.27        1,968                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       12.4             0.8           0.1                    1.4                     
  $  5001 -  10000     9.0             1.7           0.6                    3.3                     
  $ 10001 -  15000     6.2             2.0           1.0                    3.8                     
  $ 15001 -  20000     8.4             3.6           2.2                    6.1                     
  $ 20001 -  25000     6.5             3.6           2.1                    7.1                     
  $ 25001 -  30000     4.0             2.7           1.9                    3.6                     
  $ 30001 -  35000     4.2             3.4           2.8                    4.1                     
  $ 35001 -  40000     5.6             5.3           3.5                    6.6                     
  $ 40001 -  45000     2.7             2.9           1.7                    4.5                     
  $ 45001 -  50000     5.9             7.0           4.6                    8.7                     
  $ 50001 -  75000    22.1            34.0          31.1                   31.9                     
  $ 75001 - 100000     9.0            19.2          22.7                   13.8                     
  OVER $100,000        4.0            13.7          25.7                    5.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,544           $20                   0.28                     
  $  5001 -  10000                  $7,478          $262                   0.90                     
  $ 10001 -  15000                 $12,607          $571                   1.48                     
  $ 15001 -  20000                 $17,172          $982                   1.79                     
  $ 20001 -  25000                 $22,227        $1,173                   2.67                     
  $ 25001 -  30000                 $27,196        $1,786                   2.22                     
  $ 30001 -  35000                 $32,292        $2,419                   2.35                     
  $ 35001 -  40000                 $37,199        $2,300                   2.89                     
  $ 40001 -  45000                 $42,365        $2,305                   4.00                     
  $ 45001 -  50000                 $47,512        $2,893                   3.64                     
  $ 50001 -  75000                 $61,262        $5,194                   3.54                     
  $ 75001 - 100000                 $84,906        $9,309                   3.78                     
  OVER $100,000                   $136,851       $23,693                   3.22                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,788        $3,687                   2.46                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 1998 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               16      $-377,066            $0      0.00          38                      
  $     1  -  5000      513     $1,377,966       $11,978      0.87          74                      
  $  5001 -  10000      288     $2,102,986       $83,244      3.96         172                      
  $ 10001 -  15000      175     $2,177,300      $113,891      5.23         216                      
  $ 15001 -  20000      105     $1,832,286       $96,202      5.25         182                      
  $ 20001 -  25000       85     $1,904,980      $102,914      5.40         200                      
  $ 25001 -  30000       63     $1,727,537       $91,597      5.30         168                      
  $ 30001 -  35000       67     $2,186,066      $103,743      4.75         225                      
  $ 35001 -  40000       76     $2,862,188      $158,452      5.54         276                      
  $ 40001 -  45000       70     $2,994,031      $164,238      5.49         267                      
  $ 45001 -  50000       80     $3,793,831      $213,662      5.63         333                      
  $ 50001 -  75000      373    $23,158,888    $1,505,484      6.50       1,697                      
  $ 75001 - 100000      259    $22,524,509    $2,078,001      9.23       1,246                      
  $100001 - 250000      249    $34,676,837    $5,108,678     14.73       1,198                      
  OVER $250,000          32    $13,277,162    $3,243,352     24.43         149                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,451    $116,219,501   $13,075,436     11.25        6,441                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.7            -0.3           0.0                    0.6                     
  $     1  -  5000    20.9             1.2           0.1                    1.1                     
  $  5001 -  10000    11.8             1.8           0.6                    2.7                     
  $ 10001 -  15000     7.1             1.9           0.9                    3.4                     
  $ 15001 -  20000     4.3             1.6           0.7                    2.8                     
  $ 20001 -  25000     3.5             1.6           0.8                    3.1                     
  $ 25001 -  30000     2.6             1.5           0.7                    2.6                     
  $ 30001 -  35000     2.7             1.9           0.8                    3.5                     
  $ 35001 -  40000     3.1             2.5           1.2                    4.3                     
  $ 40001 -  45000     2.9             2.6           1.3                    4.1                     
  $ 45001 -  50000     3.3             3.3           1.6                    5.2                     
  $ 50001 -  75000    15.2            19.9          11.5                   26.3                     
  $ 75001 - 100000    10.6            19.4          15.9                   19.3                     
  $100001 - 250000    10.2            29.8          39.1                   18.6                     
  OVER $250,000        1.3            11.4          24.8                    2.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-23,567            $0                   2.38                     
  $     1  -  5000                  $2,686           $23                   0.14                     
  $  5001 -  10000                  $7,302          $289                   0.60                     
  $ 10001 -  15000                 $12,442          $651                   1.23                     
  $ 15001 -  20000                 $17,450          $916                   1.73                     
  $ 20001 -  25000                 $22,412        $1,211                   2.35                     
  $ 25001 -  30000                 $27,421        $1,454                   2.67                     
  $ 30001 -  35000                 $32,628        $1,548                   3.36                     
  $ 35001 -  40000                 $37,660        $2,085                   3.63                     
  $ 40001 -  45000                 $42,772        $2,346                   3.81                     
  $ 45001 -  50000                 $47,423        $2,671                   4.16                     
  $ 50001 -  75000                 $62,088        $4,036                   4.55                     
  $ 75001 - 100000                 $86,967        $8,023                   4.81                     
  $100001 - 250000                $139,264       $20,517                   4.81                     
  OVER $250,000                   $414,911      $101,355                   4.66                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $47,417        $5,335                   2.63                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 1998 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   HILL AFB UT                                                      
                        _________________________________________________                           
  UNDER $ 5,000         101       $252,301        $2,342      0.93          42                      
  $  5001 -  10000      176     $1,424,512       $44,606      3.13         164                      
  $ 10001 -  15000      416     $5,130,603      $271,664      5.29         579                      
  $ 15001 -  20000      209     $3,662,612      $122,147      3.33         544                      
  $ 20001 -  25000      226     $5,028,891      $148,591      2.95         743                      
  $ 25001 -  30000      175     $4,794,936      $161,902      3.38         632                      
  $ 30001 -  35000      120     $3,888,860      $183,201      4.71         436                      
  $ 35001 -  40000      104     $3,890,679      $239,101      6.15         371                      
  $ 40001 -  45000       88     $3,706,842      $245,684      6.63         336                      
  $ 45001 -  50000       51     $2,430,233      $187,266      7.71         190                      
  $ 50001 -  75000       91     $5,372,437      $503,137      9.37         351                      
  $ 75001 - 250000       25     $2,309,141      $366,813     15.89          79                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,782     $41,892,047    $2,476,454      5.91        4,467                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000        5.7             0.6           0.1                    0.9                     
  $  5001 -  10000     9.9             3.4           1.8                    3.7                     
  $ 10001 -  15000    23.3            12.2          11.0                   13.0                     
  $ 15001 -  20000    11.7             8.7           4.9                   12.2                     
  $ 20001 -  25000    12.7            12.0           6.0                   16.6                     
  $ 25001 -  30000     9.8            11.4           6.5                   14.1                     
  $ 30001 -  35000     6.7             9.3           7.4                    9.8                     
  $ 35001 -  40000     5.8             9.3           9.7                    8.3                     
  $ 40001 -  45000     4.9             8.8           9.9                    7.5                     
  $ 45001 -  50000     2.9             5.8           7.6                    4.3                     
  $ 50001 -  75000     5.1            12.8          20.3                    7.9                     
  $ 75001 - 250000     1.4             5.5          14.8                    1.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,498           $23                   0.42                     
  $  5001 -  10000                  $8,094          $253                   0.93                     
  $ 10001 -  15000                 $12,333          $653                   1.39                     
  $ 15001 -  20000                 $17,524          $584                   2.60                     
  $ 20001 -  25000                 $22,252          $657                   3.29                     
  $ 25001 -  30000                 $27,400          $925                   3.61                     
  $ 30001 -  35000                 $32,407        $1,527                   3.63                     
  $ 35001 -  40000                 $37,410        $2,299                   3.57                     
  $ 40001 -  45000                 $42,123        $2,792                   3.82                     
  $ 45001 -  50000                 $47,652        $3,672                   3.73                     
  $ 50001 -  75000                 $59,038        $5,529                   3.86                     
  $ 75001 - 250000                 $92,366       $14,673                   3.16                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $23,508        $1,390                   2.51                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   HOLLADAY UT                                                      
                        _________________________________________________                           
  UNDER $ 5,000         135       $158,716        $5,312      3.35          75                      
  $  5001 -  10000      152     $1,135,479       $26,012      2.29         164                      
  $ 10001 -  15000      162     $2,016,501      $102,923      5.10         212                      
  $ 15001 -  20000      155     $2,742,617      $169,878      6.19         249                      
  $ 20001 -  25000      172     $3,848,245      $294,385      7.65         281                      
  $ 25001 -  30000      116     $3,178,621      $246,931      7.77         214                      
  $ 30001 -  35000       97     $3,157,646      $271,678      8.60         201                      
  $ 35001 -  40000       80     $2,990,337      $267,184      8.93         181                      
  $ 40001 -  45000       78     $3,293,729      $340,311     10.33         168                      
  $ 45001 -  50000       53     $2,523,546      $253,308     10.04         136                      
  $ 50001 -  75000      180    $10,997,479    $1,137,902     10.35         496                      
  $ 75001 - 100000       58     $4,971,919      $621,240     12.49         183                      
  $100001 - 250000       72    $10,043,461    $1,724,200     17.17         245                      
  OVER $250,000          12     $8,786,722    $2,744,075     31.23          38                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,522     $59,845,018    $8,205,339     13.71        2,843                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000        8.9             0.3           0.1                    2.6                     
  $  5001 -  10000    10.0             1.9           0.3                    5.8                     
  $ 10001 -  15000    10.6             3.4           1.3                    7.5                     
  $ 15001 -  20000    10.2             4.6           2.1                    8.8                     
  $ 20001 -  25000    11.3             6.4           3.6                    9.9                     
  $ 25001 -  30000     7.6             5.3           3.0                    7.5                     
  $ 30001 -  35000     6.4             5.3           3.3                    7.1                     
  $ 35001 -  40000     5.3             5.0           3.3                    6.4                     
  $ 40001 -  45000     5.1             5.5           4.1                    5.9                     
  $ 45001 -  50000     3.5             4.2           3.1                    4.8                     
  $ 50001 -  75000    11.8            18.4          13.9                   17.4                     
  $ 75001 - 100000     3.8             8.3           7.6                    6.4                     
  $100001 - 250000     4.7            16.8          21.0                    8.6                     
  OVER $250,000        0.8            14.7          33.4                    1.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $1,176           $39                   0.56                     
  $  5001 -  10000                  $7,470          $171                   1.08                     
  $ 10001 -  15000                 $12,448          $635                   1.31                     
  $ 15001 -  20000                 $17,694        $1,096                   1.61                     
  $ 20001 -  25000                 $22,374        $1,712                   1.63                     
  $ 25001 -  30000                 $27,402        $2,129                   1.84                     
  $ 30001 -  35000                 $32,553        $2,801                   2.07                     
  $ 35001 -  40000                 $37,379        $3,340                   2.26                     
  $ 40001 -  45000                 $42,227        $4,363                   2.15                     
  $ 45001 -  50000                 $47,614        $4,779                   2.57                     
  $ 50001 -  75000                 $61,097        $6,322                   2.76                     
  $ 75001 - 100000                 $85,723       $10,711                   3.16                     
  $100001 - 250000                $139,493       $23,947                   3.40                     
  OVER $250,000                   $732,227      $228,673                   3.17                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,320        $5,391                   1.87                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   HOOPER UT                                                        
                        _________________________________________________                           
  UNDER $1               20      $-335,742        $3,479     -1.04          46                      
  $     1  -  5000      337       $889,787        $8,695      0.98          93                      
  $  5001 -  10000      224     $1,646,455       $55,413      3.37         185                      
  $ 10001 -  15000      203     $2,519,635      $117,093      4.65         279                      
  $ 15001 -  20000      169     $2,908,981      $181,148      6.23         267                      
  $ 20001 -  25000      142     $3,205,485      $228,181      7.12         255                      
  $ 25001 -  30000      132     $3,655,117      $255,334      6.99         277                      
  $ 30001 -  35000      130     $4,238,843      $311,343      7.34         300                      
  $ 35001 -  40000      131     $4,934,738      $359,938      7.29         365                      
  $ 40001 -  45000      113     $4,812,341      $320,438      6.66         387                      
  $ 45001 -  50000      135     $6,435,698      $467,694      7.27         479                      
  $ 50001 -  75000      565    $34,601,852    $3,007,813      8.69       2,004                      
  $ 75001 - 100000      217    $18,290,435    $2,086,950     11.41         810                      
  OVER $100,000          92    $13,896,175    $2,580,362     18.57         348                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,610    $101,699,800    $9,983,881      9.82        6,095                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -0.3           0.0                    0.8                     
  $     1  -  5000    12.9             0.9           0.1                    1.5                     
  $  5001 -  10000     8.6             1.6           0.6                    3.0                     
  $ 10001 -  15000     7.8             2.5           1.2                    4.6                     
  $ 15001 -  20000     6.5             2.9           1.8                    4.4                     
  $ 20001 -  25000     5.4             3.2           2.3                    4.2                     
  $ 25001 -  30000     5.1             3.6           2.6                    4.5                     
  $ 30001 -  35000     5.0             4.2           3.1                    4.9                     
  $ 35001 -  40000     5.0             4.9           3.6                    6.0                     
  $ 40001 -  45000     4.3             4.7           3.2                    6.3                     
  $ 45001 -  50000     5.2             6.3           4.7                    7.9                     
  $ 50001 -  75000    21.6            34.0          30.1                   32.9                     
  $ 75001 - 100000     8.3            18.0          20.9                   13.3                     
  OVER $100,000        3.5            13.7          25.8                    5.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-16,787          $174                   2.30                     
  $     1  -  5000                  $2,640           $26                   0.28                     
  $  5001 -  10000                  $7,350          $247                   0.83                     
  $ 10001 -  15000                 $12,412          $577                   1.37                     
  $ 15001 -  20000                 $17,213        $1,072                   1.58                     
  $ 20001 -  25000                 $22,574        $1,607                   1.80                     
  $ 25001 -  30000                 $27,690        $1,934                   2.10                     
  $ 30001 -  35000                 $32,606        $2,395                   2.31                     
  $ 35001 -  40000                 $37,670        $2,748                   2.79                     
  $ 40001 -  45000                 $42,587        $2,836                   3.42                     
  $ 45001 -  50000                 $47,672        $3,464                   3.55                     
  $ 50001 -  75000                 $61,242        $5,324                   3.55                     
  $ 75001 - 100000                 $84,288        $9,617                   3.73                     
  OVER $100,000                   $151,045       $28,047                   3.78                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $38,965        $3,825                   2.34                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   HUNTINGTON UT                                                    
                        _________________________________________________                           
  UNDER $ 5,000         145       $324,836        $1,602      0.49          98                      
  $  5001 -  10000      115       $867,767       $16,044      1.85         169                      
  $ 10001 -  15000      104     $1,270,291       $48,033      3.78         183                      
  $ 15001 -  20000       80     $1,400,647       $53,212      3.80         213                      
  $ 20001 -  25000       57     $1,285,012       $58,471      4.55         157                      
  $ 25001 -  30000       67     $1,836,065       $83,845      4.57         232                      
  $ 30001 -  35000       48     $1,567,200       $90,267      5.76         168                      
  $ 35001 -  40000       37     $1,371,834      $101,118      7.37         115                      
  $ 40001 -  45000       55     $2,333,027      $167,263      7.17         203                      
  $ 45001 -  50000       42     $1,994,618      $161,970      8.12         147                      
  $ 50001 -  75000      153     $9,206,408      $886,951      9.63         573                      
  $ 75001 - 100000       50     $4,232,376      $583,354     13.78         175                      
  OVER $100,000          15     $2,303,650      $438,216     19.02          54                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                968     $29,993,731    $2,690,346      8.97        2,487                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       15.0             1.1           0.1                    3.9                     
  $  5001 -  10000    11.9             2.9           0.6                    6.8                     
  $ 10001 -  15000    10.7             4.2           1.8                    7.4                     
  $ 15001 -  20000     8.3             4.7           2.0                    8.6                     
  $ 20001 -  25000     5.9             4.3           2.2                    6.3                     
  $ 25001 -  30000     6.9             6.1           3.1                    9.3                     
  $ 30001 -  35000     5.0             5.2           3.4                    6.8                     
  $ 35001 -  40000     3.8             4.6           3.8                    4.6                     
  $ 40001 -  45000     5.7             7.8           6.2                    8.2                     
  $ 45001 -  50000     4.3             6.7           6.0                    5.9                     
  $ 50001 -  75000    15.8            30.7          33.0                   23.0                     
  $ 75001 - 100000     5.2            14.1          21.7                    7.0                     
  OVER $100,000        1.5             7.7          16.3                    2.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,240           $11                   0.68                     
  $  5001 -  10000                  $7,546          $140                   1.47                     
  $ 10001 -  15000                 $12,214          $462                   1.76                     
  $ 15001 -  20000                 $17,508          $665                   2.66                     
  $ 20001 -  25000                 $22,544        $1,026                   2.75                     
  $ 25001 -  30000                 $27,404        $1,251                   3.46                     
  $ 30001 -  35000                 $32,650        $1,881                   3.50                     
  $ 35001 -  40000                 $37,077        $2,733                   3.11                     
  $ 40001 -  45000                 $42,419        $3,041                   3.69                     
  $ 45001 -  50000                 $47,491        $3,856                   3.50                     
  $ 50001 -  75000                 $60,173        $5,797                   3.75                     
  $ 75001 - 100000                 $84,648       $11,667                   3.50                     
  OVER $100,000                   $153,577       $29,214                   3.60                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,985        $2,779                   2.57                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   HUNTSVILLE UT                                                    
                        _________________________________________________                           
  UNDER $1               11      $-405,902            $0      0.00          24                      
  $     1  -  5000      106       $270,884        $2,621      0.97          30                      
  $  5001 -  10000       88       $612,509       $19,804      3.23          76                      
  $ 10001 -  15000       75       $922,339       $37,120      4.02         104                      
  $ 15001 -  20000       39       $686,989       $37,304      5.43          64                      
  $ 20001 -  25000       44       $997,112       $61,933      6.21          93                      
  $ 25001 -  30000       46     $1,252,243       $80,332      6.42          97                      
  $ 30001 -  35000       34     $1,120,509      $103,059      9.20          64                      
  $ 35001 -  40000       46     $1,744,019      $129,035      7.40         124                      
  $ 40001 -  45000       30     $1,264,247      $115,322      9.12          81                      
  $ 45001 -  50000       25     $1,187,882       $90,898      7.65          83                      
  $ 50001 -  75000      136     $8,370,996      $731,811      8.74         510                      
  $ 75001 - 100000       57     $4,894,170      $541,665     11.07         216                      
  $100001 - 250000       52     $7,459,852    $1,215,087     16.29         209                      
  OVER $250,000          10     $4,316,374    $1,093,051     25.32          30                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                799     $34,694,223    $4,259,042     12.28        1,805                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.4            -1.2           0.0                    1.3                     
  $     1  -  5000    13.3             0.8           0.1                    1.7                     
  $  5001 -  10000    11.0             1.8           0.5                    4.2                     
  $ 10001 -  15000     9.4             2.7           0.9                    5.8                     
  $ 15001 -  20000     4.9             2.0           0.9                    3.5                     
  $ 20001 -  25000     5.5             2.9           1.5                    5.2                     
  $ 25001 -  30000     5.8             3.6           1.9                    5.4                     
  $ 30001 -  35000     4.3             3.2           2.4                    3.5                     
  $ 35001 -  40000     5.8             5.0           3.0                    6.9                     
  $ 40001 -  45000     3.8             3.6           2.7                    4.5                     
  $ 45001 -  50000     3.1             3.4           2.1                    4.6                     
  $ 50001 -  75000    17.0            24.1          17.2                   28.3                     
  $ 75001 - 100000     7.1            14.1          12.7                   12.0                     
  $100001 - 250000     6.5            21.5          28.5                   11.6                     
  OVER $250,000        1.3            12.4          25.7                    1.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-36,900            $0                   2.18                     
  $     1  -  5000                  $2,556           $25                   0.28                     
  $  5001 -  10000                  $6,960          $225                   0.86                     
  $ 10001 -  15000                 $12,298          $495                   1.39                     
  $ 15001 -  20000                 $17,615          $957                   1.64                     
  $ 20001 -  25000                 $22,662        $1,408                   2.11                     
  $ 25001 -  30000                 $27,223        $1,746                   2.11                     
  $ 30001 -  35000                 $32,956        $3,031                   1.88                     
  $ 35001 -  40000                 $37,913        $2,805                   2.70                     
  $ 40001 -  45000                 $42,142        $3,844                   2.70                     
  $ 45001 -  50000                 $47,515        $3,636                   3.32                     
  $ 50001 -  75000                 $61,551        $5,381                   3.75                     
  $ 75001 - 100000                 $85,863        $9,503                   3.79                     
  $100001 - 250000                $143,459       $23,367                   4.02                     
  OVER $250,000                   $431,637      $109,305                   3.00                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $43,422        $5,330                   2.26                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   HURRICANE UT                                                     
                        _________________________________________________                           
  UNDER $1               26    $-1,140,838            $0      0.00          63                      
  $     1  -  5000      392     $1,085,953        $4,269      0.39         262                      
  $  5001 -  10000      349     $2,606,887       $46,748      1.79         525                      
  $ 10001 -  15000      297     $3,718,960      $124,812      3.36         608                      
  $ 15001 -  20000      265     $4,606,435      $183,653      3.99         586                      
  $ 20001 -  25000      249     $5,577,163      $257,466      4.62         635                      
  $ 25001 -  30000      194     $5,348,641      $282,383      5.28         564                      
  $ 30001 -  35000      184     $6,000,773      $351,980      5.87         566                      
  $ 35001 -  40000      180     $6,717,836      $400,630      5.96         625                      
  $ 40001 -  45000      155     $6,580,969      $421,651      6.41         540                      
  $ 45001 -  50000      111     $5,251,426      $359,041      6.84         424                      
  $ 50001 -  75000      304    $18,141,478    $1,526,594      8.41       1,061                      
  $ 75001 - 100000       95     $7,980,351      $889,141     11.14         335                      
  OVER $100,000          47     $9,591,992    $1,876,990     19.57         151                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,848     $82,068,026    $6,725,358      8.19        6,945                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.9            -1.4           0.0                    0.9                     
  $     1  -  5000    13.8             1.3           0.1                    3.8                     
  $  5001 -  10000    12.3             3.2           0.7                    7.6                     
  $ 10001 -  15000    10.4             4.5           1.9                    8.8                     
  $ 15001 -  20000     9.3             5.6           2.7                    8.4                     
  $ 20001 -  25000     8.7             6.8           3.8                    9.1                     
  $ 25001 -  30000     6.8             6.5           4.2                    8.1                     
  $ 30001 -  35000     6.5             7.3           5.2                    8.1                     
  $ 35001 -  40000     6.3             8.2           6.0                    9.0                     
  $ 40001 -  45000     5.4             8.0           6.3                    7.8                     
  $ 45001 -  50000     3.9             6.4           5.3                    6.1                     
  $ 50001 -  75000    10.7            22.1          22.7                   15.3                     
  $ 75001 - 100000     3.3             9.7          13.2                    4.8                     
  OVER $100,000        1.7            11.7          27.9                    2.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-43,878            $0                   2.42                     
  $     1  -  5000                  $2,770           $11                   0.67                     
  $  5001 -  10000                  $7,470          $134                   1.50                     
  $ 10001 -  15000                 $12,522          $420                   2.05                     
  $ 15001 -  20000                 $17,383          $693                   2.21                     
  $ 20001 -  25000                 $22,398        $1,034                   2.55                     
  $ 25001 -  30000                 $27,570        $1,456                   2.91                     
  $ 30001 -  35000                 $32,613        $1,913                   3.08                     
  $ 35001 -  40000                 $37,321        $2,226                   3.47                     
  $ 40001 -  45000                 $42,458        $2,720                   3.48                     
  $ 45001 -  50000                 $47,310        $3,235                   3.82                     
  $ 50001 -  75000                 $59,676        $5,022                   3.49                     
  $ 75001 - 100000                 $84,004        $9,359                   3.53                     
  OVER $100,000                   $204,085       $39,936                   3.21                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $28,816        $2,361                   2.44                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   HYDE PARK UT                                                     
                        _________________________________________________                           
  UNDER $ 5,000         197        $-1,045        $4,876      -467          52                      
  $  5001 -  10000      120       $900,597       $31,609      3.51          88                      
  $ 10001 -  15000       79       $986,769       $44,861      4.55         108                      
  $ 15001 -  20000       65     $1,132,211       $65,611      5.79         119                      
  $ 20001 -  25000       55     $1,226,180       $66,409      5.42         134                      
  $ 25001 -  30000       51     $1,419,217       $75,406      5.31         144                      
  $ 30001 -  35000       49     $1,598,481       $98,664      6.17         148                      
  $ 35001 -  40000       56     $2,107,798      $120,227      5.70         207                      
  $ 40001 -  45000       49     $2,076,077      $133,894      6.45         188                      
  $ 45001 -  50000       69     $3,284,982      $200,242      6.10         273                      
  $ 50001 -  75000      179    $10,850,455      $775,421      7.15         792                      
  $ 75001 - 100000       83     $7,063,086      $715,542     10.13         376                      
  OVER $100,000          49     $7,707,684    $1,358,089     17.62         195                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,101     $40,352,492    $3,690,851      9.15        2,824                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       17.9            -0.0           0.1                    1.8                     
  $  5001 -  10000    10.9             2.2           0.9                    3.1                     
  $ 10001 -  15000     7.2             2.4           1.2                    3.8                     
  $ 15001 -  20000     5.9             2.8           1.8                    4.2                     
  $ 20001 -  25000     5.0             3.0           1.8                    4.7                     
  $ 25001 -  30000     4.6             3.5           2.0                    5.1                     
  $ 30001 -  35000     4.5             4.0           2.7                    5.2                     
  $ 35001 -  40000     5.1             5.2           3.3                    7.3                     
  $ 40001 -  45000     4.5             5.1           3.6                    6.7                     
  $ 45001 -  50000     6.3             8.1           5.4                    9.7                     
  $ 50001 -  75000    16.3            26.9          21.0                   28.0                     
  $ 75001 - 100000     7.5            17.5          19.4                   13.3                     
  OVER $100,000        4.5            19.1          36.8                    6.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                        $-5           $25                   0.26                     
  $  5001 -  10000                  $7,505          $263                   0.73                     
  $ 10001 -  15000                 $12,491          $568                   1.37                     
  $ 15001 -  20000                 $17,419        $1,009                   1.83                     
  $ 20001 -  25000                 $22,294        $1,207                   2.44                     
  $ 25001 -  30000                 $27,828        $1,479                   2.82                     
  $ 30001 -  35000                 $32,622        $2,014                   3.02                     
  $ 35001 -  40000                 $37,639        $2,147                   3.70                     
  $ 40001 -  45000                 $42,369        $2,733                   3.84                     
  $ 45001 -  50000                 $47,608        $2,902                   3.96                     
  $ 50001 -  75000                 $60,617        $4,332                   4.42                     
  $ 75001 - 100000                 $85,097        $8,621                   4.53                     
  OVER $100,000                   $157,300       $27,716                   3.98                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $36,651        $3,352                   2.56                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   HYRUM UT                                                         
                        _________________________________________________                           
  UNDER $1               11      $-305,252            $0      0.00          34                      
  $     1  -  5000      256       $700,143        $3,097      0.44         109                      
  $  5001 -  10000      251     $1,889,446       $56,653      3.00         264                      
  $ 10001 -  15000      199     $2,459,230       $84,791      3.45         361                      
  $ 15001 -  20000      205     $3,587,900      $157,275      4.38         463                      
  $ 20001 -  25000      166     $3,698,173      $198,100      5.36         417                      
  $ 25001 -  30000      140     $3,813,999      $181,429      4.76         437                      
  $ 30001 -  35000      163     $5,310,454      $291,601      5.49         564                      
  $ 35001 -  40000      144     $5,390,810      $300,266      5.57         545                      
  $ 40001 -  45000      130     $5,532,988      $358,010      6.47         501                      
  $ 45001 -  50000      109     $5,164,564      $320,080      6.20         452                      
  $ 50001 -  75000      298    $17,839,986    $1,542,233      8.64       1,130                      
  $ 75001 - 100000       78     $6,587,923      $785,544     11.92         278                      
  OVER $100,000          46    $14,498,162    $2,479,462     17.10         164                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,196     $76,168,526    $6,758,541      8.87        5,719                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.5            -0.4           0.0                    0.6                     
  $     1  -  5000    11.7             0.9           0.0                    1.9                     
  $  5001 -  10000    11.4             2.5           0.8                    4.6                     
  $ 10001 -  15000     9.1             3.2           1.3                    6.3                     
  $ 15001 -  20000     9.3             4.7           2.3                    8.1                     
  $ 20001 -  25000     7.6             4.9           2.9                    7.3                     
  $ 25001 -  30000     6.4             5.0           2.7                    7.6                     
  $ 30001 -  35000     7.4             7.0           4.3                    9.9                     
  $ 35001 -  40000     6.6             7.1           4.4                    9.5                     
  $ 40001 -  45000     5.9             7.3           5.3                    8.8                     
  $ 45001 -  50000     5.0             6.8           4.7                    7.9                     
  $ 50001 -  75000    13.6            23.4          22.8                   19.8                     
  $ 75001 - 100000     3.6             8.6          11.6                    4.9                     
  OVER $100,000        2.1            19.0          36.7                    2.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-27,750            $0                   3.09                     
  $     1  -  5000                  $2,735           $12                   0.43                     
  $  5001 -  10000                  $7,528          $226                   1.05                     
  $ 10001 -  15000                 $12,358          $426                   1.81                     
  $ 15001 -  20000                 $17,502          $767                   2.26                     
  $ 20001 -  25000                 $22,278        $1,193                   2.51                     
  $ 25001 -  30000                 $27,243        $1,296                   3.12                     
  $ 30001 -  35000                 $32,579        $1,789                   3.46                     
  $ 35001 -  40000                 $37,436        $2,085                   3.78                     
  $ 40001 -  45000                 $42,561        $2,754                   3.85                     
  $ 45001 -  50000                 $47,381        $2,937                   4.15                     
  $ 50001 -  75000                 $59,866        $5,175                   3.79                     
  $ 75001 - 100000                 $84,461       $10,071                   3.56                     
  OVER $100,000                   $315,177       $53,901                   3.57                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $34,685        $3,078                   2.60                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   IVINS UT                                                         
                        _________________________________________________                           
  UNDER $ 5,000         154        $62,335        $1,497      2.40         103                      
  $  5001 -  10000      157     $1,164,138       $26,263      2.26         202                      
  $ 10001 -  15000      139     $1,737,251       $62,074      3.57         241                      
  $ 15001 -  20000      140     $2,462,019       $96,242      3.91         302                      
  $ 20001 -  25000      108     $2,410,822      $107,679      4.47         270                      
  $ 25001 -  30000      109     $2,961,044      $149,838      5.06         299                      
  $ 30001 -  35000      124     $4,026,802      $224,638      5.58         377                      
  $ 35001 -  40000      115     $4,288,065      $277,566      6.47         355                      
  $ 40001 -  45000       96     $4,077,301      $266,422      6.53         334                      
  $ 45001 -  50000       76     $3,605,217      $253,920      7.04         254                      
  $ 50001 -  75000      169    $10,020,828      $935,091      9.33         522                      
  $ 75001 - 100000       51     $4,319,138      $539,934     12.50         165                      
  OVER $100,000          41     $6,619,942    $1,295,840     19.57         108                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,479     $47,754,902    $4,237,004      8.87        3,532                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       10.4             0.1           0.0                    2.9                     
  $  5001 -  10000    10.6             2.4           0.6                    5.7                     
  $ 10001 -  15000     9.4             3.6           1.5                    6.8                     
  $ 15001 -  20000     9.5             5.2           2.3                    8.6                     
  $ 20001 -  25000     7.3             5.0           2.5                    7.6                     
  $ 25001 -  30000     7.4             6.2           3.5                    8.5                     
  $ 30001 -  35000     8.4             8.4           5.3                   10.7                     
  $ 35001 -  40000     7.8             9.0           6.6                   10.1                     
  $ 40001 -  45000     6.5             8.5           6.3                    9.5                     
  $ 45001 -  50000     5.1             7.5           6.0                    7.2                     
  $ 50001 -  75000    11.4            21.0          22.1                   14.8                     
  $ 75001 - 100000     3.4             9.0          12.7                    4.7                     
  OVER $100,000        2.8            13.9          30.6                    3.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                       $405           $10                   0.67                     
  $  5001 -  10000                  $7,415          $167                   1.29                     
  $ 10001 -  15000                 $12,498          $447                   1.73                     
  $ 15001 -  20000                 $17,586          $687                   2.16                     
  $ 20001 -  25000                 $22,322          $997                   2.50                     
  $ 25001 -  30000                 $27,166        $1,375                   2.74                     
  $ 30001 -  35000                 $32,474        $1,812                   3.04                     
  $ 35001 -  40000                 $37,288        $2,414                   3.09                     
  $ 40001 -  45000                 $42,472        $2,775                   3.48                     
  $ 45001 -  50000                 $47,437        $3,341                   3.34                     
  $ 50001 -  75000                 $59,295        $5,533                   3.09                     
  $ 75001 - 100000                 $84,689       $10,587                   3.24                     
  OVER $100,000                   $161,462       $31,606                   2.63                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $32,289        $2,865                   2.39                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   KAMAS UT                                                         
                        _________________________________________________                           
  UNDER $1               12      $-290,279          $441     -0.15          26                      
  $     1  -  5000      143       $382,727        $1,765      0.46          79                      
  $  5001 -  10000      114       $859,905       $19,669      2.29         133                      
  $ 10001 -  15000      116     $1,472,143       $66,466      4.51         165                      
  $ 15001 -  20000      116     $2,013,271      $102,660      5.10         208                      
  $ 20001 -  25000       86     $1,927,805      $125,590      6.51         166                      
  $ 25001 -  30000       83     $2,269,739      $145,415      6.41         211                      
  $ 30001 -  35000       70     $2,265,585      $167,144      7.38         180                      
  $ 35001 -  40000       65     $2,455,806      $187,248      7.62         195                      
  $ 40001 -  45000       68     $2,877,681      $218,875      7.61         205                      
  $ 45001 -  50000       51     $2,415,452      $149,201      6.18         207                      
  $ 50001 -  75000      155     $9,357,651      $829,168      8.86         528                      
  $ 75001 - 100000       43     $3,669,695      $416,082     11.34         165                      
  OVER $100,000          27     $3,798,581      $551,483     14.52         110                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,149     $35,475,762    $2,981,207      8.40        2,578                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.0            -0.8           0.0                    1.0                     
  $     1  -  5000    12.4             1.1           0.1                    3.1                     
  $  5001 -  10000     9.9             2.4           0.7                    5.2                     
  $ 10001 -  15000    10.1             4.1           2.2                    6.4                     
  $ 15001 -  20000    10.1             5.7           3.4                    8.1                     
  $ 20001 -  25000     7.5             5.4           4.2                    6.4                     
  $ 25001 -  30000     7.2             6.4           4.9                    8.2                     
  $ 30001 -  35000     6.1             6.4           5.6                    7.0                     
  $ 35001 -  40000     5.7             6.9           6.3                    7.6                     
  $ 40001 -  45000     5.9             8.1           7.3                    8.0                     
  $ 45001 -  50000     4.4             6.8           5.0                    8.0                     
  $ 50001 -  75000    13.5            26.4          27.8                   20.5                     
  $ 75001 - 100000     3.7            10.3          14.0                    6.4                     
  OVER $100,000        2.3            10.7          18.5                    4.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-24,190           $37                   2.17                     
  $     1  -  5000                  $2,676           $12                   0.55                     
  $  5001 -  10000                  $7,543          $173                   1.17                     
  $ 10001 -  15000                 $12,691          $573                   1.42                     
  $ 15001 -  20000                 $17,356          $885                   1.79                     
  $ 20001 -  25000                 $22,416        $1,460                   1.93                     
  $ 25001 -  30000                 $27,346        $1,752                   2.54                     
  $ 30001 -  35000                 $32,366        $2,388                   2.57                     
  $ 35001 -  40000                 $37,782        $2,881                   3.00                     
  $ 40001 -  45000                 $42,319        $3,219                   3.01                     
  $ 45001 -  50000                 $47,362        $2,926                   4.06                     
  $ 50001 -  75000                 $60,372        $5,349                   3.41                     
  $ 75001 - 100000                 $85,342        $9,676                   3.84                     
  OVER $100,000                   $140,688       $20,425                   4.07                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,875        $2,595                   2.24                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   KANAB UT                                                         
                        _________________________________________________                           
  UNDER $1               34    $-1,056,655        $3,968     -0.38          62                      
  $     1  -  5000      282       $782,917        $5,526      0.71         171                      
  $  5001 -  10000      184     $1,383,201       $34,035      2.46         210                      
  $ 10001 -  15000      177     $2,229,013       $76,256      3.42         328                      
  $ 15001 -  20000      170     $2,955,043      $139,673      4.73         332                      
  $ 20001 -  25000      127     $2,826,737      $133,165      4.71         320                      
  $ 25001 -  30000      104     $2,872,411      $168,242      5.86         278                      
  $ 30001 -  35000       91     $2,940,363      $187,612      6.38         239                      
  $ 35001 -  40000       79     $2,934,357      $194,308      6.62         250                      
  $ 40001 -  45000       63     $2,680,042      $196,229      7.32         205                      
  $ 45001 -  50000       72     $3,418,300      $249,645      7.30         262                      
  $ 50001 -  75000      164     $9,930,020      $951,055      9.58         557                      
  $ 75001 - 100000       59     $4,990,037      $627,119     12.57         200                      
  OVER $100,000          27     $5,117,036    $1,144,901     22.37          81                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,633     $44,002,822    $4,111,734      9.34        3,495                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             2.1            -2.4           0.1                    1.8                     
  $     1  -  5000    17.3             1.8           0.1                    4.9                     
  $  5001 -  10000    11.3             3.1           0.8                    6.0                     
  $ 10001 -  15000    10.8             5.1           1.9                    9.4                     
  $ 15001 -  20000    10.4             6.7           3.4                    9.5                     
  $ 20001 -  25000     7.8             6.4           3.2                    9.2                     
  $ 25001 -  30000     6.4             6.5           4.1                    8.0                     
  $ 30001 -  35000     5.6             6.7           4.6                    6.8                     
  $ 35001 -  40000     4.8             6.7           4.7                    7.2                     
  $ 40001 -  45000     3.9             6.1           4.8                    5.9                     
  $ 45001 -  50000     4.4             7.8           6.1                    7.5                     
  $ 50001 -  75000    10.0            22.6          23.1                   15.9                     
  $ 75001 - 100000     3.6            11.3          15.3                    5.7                     
  OVER $100,000        1.7            11.6          27.8                    2.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-31,078          $117                   1.82                     
  $     1  -  5000                  $2,776           $20                   0.61                     
  $  5001 -  10000                  $7,517          $185                   1.14                     
  $ 10001 -  15000                 $12,593          $431                   1.85                     
  $ 15001 -  20000                 $17,383          $822                   1.95                     
  $ 20001 -  25000                 $22,258        $1,049                   2.52                     
  $ 25001 -  30000                 $27,619        $1,618                   2.67                     
  $ 30001 -  35000                 $32,312        $2,062                   2.63                     
  $ 35001 -  40000                 $37,144        $2,460                   3.16                     
  $ 40001 -  45000                 $42,540        $3,115                   3.25                     
  $ 45001 -  50000                 $47,476        $3,467                   3.64                     
  $ 50001 -  75000                 $60,549        $5,799                   3.40                     
  $ 75001 - 100000                 $84,577       $10,629                   3.39                     
  OVER $100,000                   $189,520       $42,404                   3.00                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $26,946        $2,518                   2.14                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   KAYSVILLE UT                                                     
                        _________________________________________________                           
  UNDER $1               34    $-2,333,755          $773     -0.03          72                      
  $     1  -  5000    1,315     $3,282,892       $26,503      0.81         308                      
  $  5001 -  10000      784     $5,702,509      $221,759      3.89         488                      
  $ 10001 -  15000      569     $7,081,078      $345,139      4.87         707                      
  $ 15001 -  20000      465     $8,130,516      $472,646      5.81         779                      
  $ 20001 -  25000      384     $8,650,693      $522,892      6.04         804                      
  $ 25001 -  30000      355     $9,747,507      $648,710      6.66         787                      
  $ 30001 -  35000      312    $10,141,773      $672,001      6.63         830                      
  $ 35001 -  40000      316    $11,836,917      $821,416      6.94         905                      
  $ 40001 -  45000      371    $15,781,960    $1,054,599      6.68       1,238                      
  $ 45001 -  50000      343    $16,271,648    $1,127,165      6.93       1,219                      
  $ 50001 -  75000    1,620   $100,118,581    $7,747,841      7.74       6,477                      
  $ 75001 - 100000      753    $64,499,833    $6,578,844     10.20       3,190                      
  $100001 - 250000      505    $67,436,821   $10,458,078     15.51       2,126                      
  OVER $250,000          57    $28,550,197    $7,386,870     25.87         218                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,183    $354,899,170   $38,085,236     10.73       20,148                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.7           0.0                    0.4                     
  $     1  -  5000    16.1             0.9           0.1                    1.5                     
  $  5001 -  10000     9.6             1.6           0.6                    2.4                     
  $ 10001 -  15000     7.0             2.0           0.9                    3.5                     
  $ 15001 -  20000     5.7             2.3           1.2                    3.9                     
  $ 20001 -  25000     4.7             2.4           1.4                    4.0                     
  $ 25001 -  30000     4.3             2.7           1.7                    3.9                     
  $ 30001 -  35000     3.8             2.9           1.8                    4.1                     
  $ 35001 -  40000     3.9             3.3           2.2                    4.5                     
  $ 40001 -  45000     4.5             4.4           2.8                    6.1                     
  $ 45001 -  50000     4.2             4.6           3.0                    6.1                     
  $ 50001 -  75000    19.8            28.2          20.3                   32.1                     
  $ 75001 - 100000     9.2            18.2          17.3                   15.8                     
  $100001 - 250000     6.2            19.0          27.5                   10.6                     
  OVER $250,000        0.7             8.0          19.4                    1.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-68,640           $23                   2.12                     
  $     1  -  5000                  $2,496           $20                   0.23                     
  $  5001 -  10000                  $7,274          $283                   0.62                     
  $ 10001 -  15000                 $12,445          $607                   1.24                     
  $ 15001 -  20000                 $17,485        $1,016                   1.68                     
  $ 20001 -  25000                 $22,528        $1,362                   2.09                     
  $ 25001 -  30000                 $27,458        $1,827                   2.22                     
  $ 30001 -  35000                 $32,506        $2,154                   2.66                     
  $ 35001 -  40000                 $37,459        $2,599                   2.86                     
  $ 40001 -  45000                 $42,539        $2,843                   3.34                     
  $ 45001 -  50000                 $47,439        $3,286                   3.55                     
  $ 50001 -  75000                 $61,802        $4,783                   4.00                     
  $ 75001 - 100000                 $85,657        $8,737                   4.24                     
  $100001 - 250000                $133,538       $20,709                   4.21                     
  OVER $250,000                   $500,881      $129,594                   3.82                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $43,370        $4,654                   2.46                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   KEARNS UT                                                        
                        _________________________________________________                           
  UNDER $1               31      $-332,076        $1,487     -0.45          54                      
  $     1  -  5000    1,233     $3,370,587       $10,061      0.30         843                      
  $  5001 -  10000    1,225     $9,162,751      $199,752      2.18       1,534                      
  $ 10001 -  15000    1,254    $15,704,485      $612,025      3.90       2,144                      
  $ 15001 -  20000    1,305    $22,872,502    $1,148,948      5.02       2,565                      
  $ 20001 -  25000    1,138    $25,570,429    $1,483,975      5.80       2,531                      
  $ 25001 -  30000      932    $25,563,204    $1,561,883      6.11       2,457                      
  $ 30001 -  35000      816    $26,521,817    $1,699,863      6.41       2,402                      
  $ 35001 -  40000      813    $30,476,547    $2,074,875      6.81       2,556                      
  $ 40001 -  45000      689    $29,239,007    $2,049,136      7.01       2,329                      
  $ 45001 -  50000      576    $27,284,722    $2,047,383      7.50       2,055                      
  $ 50001 -  75000    1,543    $91,793,357    $8,174,427      8.91       5,577                      
  $ 75001 - 100000      240    $19,900,172    $2,449,813     12.31         877                      
  OVER $100,000          61     $8,974,236    $1,468,831     16.37         201                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             11,856    $336,101,740   $24,982,459      7.43       28,125                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.3            -0.1           0.0                    0.2                     
  $     1  -  5000    10.4             1.0           0.0                    3.0                     
  $  5001 -  10000    10.3             2.7           0.8                    5.5                     
  $ 10001 -  15000    10.6             4.7           2.4                    7.6                     
  $ 15001 -  20000    11.0             6.8           4.6                    9.1                     
  $ 20001 -  25000     9.6             7.6           5.9                    9.0                     
  $ 25001 -  30000     7.9             7.6           6.3                    8.7                     
  $ 30001 -  35000     6.9             7.9           6.8                    8.5                     
  $ 35001 -  40000     6.9             9.1           8.3                    9.1                     
  $ 40001 -  45000     5.8             8.7           8.2                    8.3                     
  $ 45001 -  50000     4.9             8.1           8.2                    7.3                     
  $ 50001 -  75000    13.0            27.3          32.7                   19.8                     
  $ 75001 - 100000     2.0             5.9           9.8                    3.1                     
  OVER $100,000        0.5             2.7           5.9                    0.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-10,712           $48                   1.74                     
  $     1  -  5000                  $2,734            $8                   0.68                     
  $  5001 -  10000                  $7,480          $163                   1.25                     
  $ 10001 -  15000                 $12,524          $488                   1.71                     
  $ 15001 -  20000                 $17,527          $880                   1.97                     
  $ 20001 -  25000                 $22,470        $1,304                   2.22                     
  $ 25001 -  30000                 $27,428        $1,676                   2.64                     
  $ 30001 -  35000                 $32,502        $2,083                   2.94                     
  $ 35001 -  40000                 $37,487        $2,552                   3.14                     
  $ 40001 -  45000                 $42,437        $2,974                   3.38                     
  $ 45001 -  50000                 $47,369        $3,554                   3.57                     
  $ 50001 -  75000                 $59,490        $5,298                   3.61                     
  $ 75001 - 100000                 $82,917       $10,208                   3.65                     
  OVER $100,000                   $147,119       $24,079                   3.30                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $28,349        $2,107                   2.37                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   LAVERKIN UT                                                      
                        _________________________________________________                           
  UNDER $ 5,000         156       $318,676          $779      0.24         132                      
  $  5001 -  10000      128       $961,841       $17,172      1.79         192                      
  $ 10001 -  15000      147     $1,834,295       $64,390      3.51         284                      
  $ 15001 -  20000      103     $1,792,649       $62,104      3.46         248                      
  $ 20001 -  25000      113     $2,541,262      $126,343      4.97         307                      
  $ 25001 -  30000       83     $2,273,430      $111,706      4.91         257                      
  $ 30001 -  35000       76     $2,466,066      $142,953      5.80         237                      
  $ 35001 -  40000       63     $2,363,814      $117,704      4.98         248                      
  $ 40001 -  45000       71     $3,024,751      $200,070      6.61         245                      
  $ 45001 -  50000       39     $1,858,230      $130,039      7.00         137                      
  $ 50001 -  75000       81     $4,851,947      $425,408      8.77         285                      
  $ 75001 - 100000       25     $2,121,606      $233,648     11.01          90                      
  OVER $100,000          19     $3,731,262      $882,797     23.66          41                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,104     $30,139,829    $2,515,113      8.34        2,703                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       14.1             1.1           0.0                    4.9                     
  $  5001 -  10000    11.6             3.2           0.7                    7.1                     
  $ 10001 -  15000    13.3             6.1           2.6                   10.5                     
  $ 15001 -  20000     9.3             5.9           2.5                    9.2                     
  $ 20001 -  25000    10.2             8.4           5.0                   11.4                     
  $ 25001 -  30000     7.5             7.5           4.4                    9.5                     
  $ 30001 -  35000     6.9             8.2           5.7                    8.8                     
  $ 35001 -  40000     5.7             7.8           4.7                    9.2                     
  $ 40001 -  45000     6.4            10.0           8.0                    9.1                     
  $ 45001 -  50000     3.5             6.2           5.2                    5.1                     
  $ 50001 -  75000     7.3            16.1          16.9                   10.5                     
  $ 75001 - 100000     2.3             7.0           9.3                    3.3                     
  OVER $100,000        1.7            12.4          35.1                    1.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,043            $5                   0.85                     
  $  5001 -  10000                  $7,514          $134                   1.50                     
  $ 10001 -  15000                 $12,478          $438                   1.93                     
  $ 15001 -  20000                 $17,404          $603                   2.41                     
  $ 20001 -  25000                 $22,489        $1,118                   2.72                     
  $ 25001 -  30000                 $27,391        $1,346                   3.10                     
  $ 30001 -  35000                 $32,448        $1,881                   3.12                     
  $ 35001 -  40000                 $37,521        $1,868                   3.94                     
  $ 40001 -  45000                 $42,602        $2,818                   3.45                     
  $ 45001 -  50000                 $47,647        $3,334                   3.51                     
  $ 50001 -  75000                 $59,901        $5,252                   3.52                     
  $ 75001 - 100000                 $84,864        $9,346                   3.60                     
  OVER $100,000                   $196,382       $46,463                   2.16                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $27,301        $2,278                   2.45                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   LAYTON UT                                                        
                        _________________________________________________                           
  UNDER $1               63    $-1,802,524        $6,264     -0.35         135                      
  $     1  -  5000    2,783     $7,257,139       $49,527      0.68       1,149                      
  $  5001 -  10000    2,085    $15,473,542      $500,044      3.23       1,780                      
  $ 10001 -  15000    1,889    $23,592,331    $1,064,320      4.51       2,728                      
  $ 15001 -  20000    1,713    $29,930,128    $1,668,856      5.58       2,975                      
  $ 20001 -  25000    1,586    $35,587,182    $2,319,067      6.52       3,070                      
  $ 25001 -  30000    1,342    $36,941,544    $2,570,797      6.96       2,972                      
  $ 30001 -  35000    1,311    $42,522,698    $3,007,432      7.07       3,334                      
  $ 35001 -  40000    1,253    $46,955,393    $3,390,679      7.22       3,594                      
  $ 40001 -  45000    1,255    $53,273,138    $4,194,489      7.87       3,715                      
  $ 45001 -  50000    1,066    $50,534,833    $4,000,186      7.92       3,440                      
  $ 50001 -  75000    3,883   $237,628,391   $21,053,046      8.86      13,642                      
  $ 75001 - 100000    1,654   $140,789,978   $16,261,591     11.55       6,140                      
  $100001 - 250000      970   $127,881,863   $20,279,925     15.86       3,639                      
  OVER $250,000          99    $57,722,790   $14,945,700     25.89         385                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             22,952    $904,288,426   $95,311,923     10.54       52,698                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.3            -0.2           0.0                    0.3                     
  $     1  -  5000    12.1             0.8           0.1                    2.2                     
  $  5001 -  10000     9.1             1.7           0.5                    3.4                     
  $ 10001 -  15000     8.2             2.6           1.1                    5.2                     
  $ 15001 -  20000     7.5             3.3           1.8                    5.6                     
  $ 20001 -  25000     6.9             3.9           2.4                    5.8                     
  $ 25001 -  30000     5.8             4.1           2.7                    5.6                     
  $ 30001 -  35000     5.7             4.7           3.2                    6.3                     
  $ 35001 -  40000     5.5             5.2           3.6                    6.8                     
  $ 40001 -  45000     5.5             5.9           4.4                    7.0                     
  $ 45001 -  50000     4.6             5.6           4.2                    6.5                     
  $ 50001 -  75000    16.9            26.3          22.1                   25.9                     
  $ 75001 - 100000     7.2            15.6          17.1                   11.7                     
  $100001 - 250000     4.2            14.1          21.3                    6.9                     
  OVER $250,000        0.4             6.4          15.7                    0.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-28,611           $99                   2.14                     
  $     1  -  5000                  $2,608           $18                   0.41                     
  $  5001 -  10000                  $7,421          $240                   0.85                     
  $ 10001 -  15000                 $12,489          $563                   1.44                     
  $ 15001 -  20000                 $17,472          $974                   1.74                     
  $ 20001 -  25000                 $22,438        $1,462                   1.94                     
  $ 25001 -  30000                 $27,527        $1,916                   2.21                     
  $ 30001 -  35000                 $32,435        $2,294                   2.54                     
  $ 35001 -  40000                 $37,474        $2,706                   2.87                     
  $ 40001 -  45000                 $42,449        $3,342                   2.96                     
  $ 45001 -  50000                 $47,406        $3,753                   3.23                     
  $ 50001 -  75000                 $61,197        $5,422                   3.51                     
  $ 75001 - 100000                 $85,121        $9,832                   3.71                     
  $100001 - 250000                $131,837       $20,907                   3.75                     
  OVER $250,000                   $583,058      $150,967                   3.89                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,399        $4,153                   2.30                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   LEHI UT                                                          
                        _________________________________________________                           
  UNDER $1               25      $-744,326        $1,504     -0.20          47                      
  $     1  -  5000      719     $1,890,593       $12,361      0.65         254                      
  $  5001 -  10000      589     $4,376,392      $134,805      3.08         557                      
  $ 10001 -  15000      489     $6,093,259      $244,691      4.02         796                      
  $ 15001 -  20000      428     $7,463,852      $370,052      4.96         829                      
  $ 20001 -  25000      392     $8,803,127      $500,824      5.69         889                      
  $ 25001 -  30000      356     $9,729,480      $559,697      5.75         973                      
  $ 30001 -  35000      364    $11,821,669      $694,655      5.88       1,120                      
  $ 35001 -  40000      377    $14,144,179      $847,493      5.99       1,268                      
  $ 40001 -  45000      365    $15,521,226    $1,014,790      6.54       1,298                      
  $ 45001 -  50000      324    $15,409,380    $1,044,102      6.78       1,185                      
  $ 50001 -  75000    1,207    $73,284,743    $5,670,108      7.74       4,791                      
  $ 75001 - 100000      343    $29,118,082    $3,075,352     10.56       1,389                      
  $100001 - 250000      185    $25,075,517    $3,979,689     15.87         745                      
  OVER $250,000          25    $14,074,901    $3,872,989     27.52          95                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              6,188    $236,062,074   $22,023,112      9.33       16,236                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.3           0.0                    0.3                     
  $     1  -  5000    11.6             0.8           0.1                    1.6                     
  $  5001 -  10000     9.5             1.9           0.6                    3.4                     
  $ 10001 -  15000     7.9             2.6           1.1                    4.9                     
  $ 15001 -  20000     6.9             3.2           1.7                    5.1                     
  $ 20001 -  25000     6.3             3.7           2.3                    5.5                     
  $ 25001 -  30000     5.8             4.1           2.5                    6.0                     
  $ 30001 -  35000     5.9             5.0           3.2                    6.9                     
  $ 35001 -  40000     6.1             6.0           3.8                    7.8                     
  $ 40001 -  45000     5.9             6.6           4.6                    8.0                     
  $ 45001 -  50000     5.2             6.5           4.7                    7.3                     
  $ 50001 -  75000    19.5            31.0          25.7                   29.5                     
  $ 75001 - 100000     5.5            12.3          14.0                    8.6                     
  $100001 - 250000     3.0            10.6          18.1                    4.6                     
  OVER $250,000        0.4             6.0          17.6                    0.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-29,773           $60                   1.88                     
  $     1  -  5000                  $2,629           $17                   0.35                     
  $  5001 -  10000                  $7,430          $229                   0.95                     
  $ 10001 -  15000                 $12,461          $500                   1.63                     
  $ 15001 -  20000                 $17,439          $865                   1.94                     
  $ 20001 -  25000                 $22,457        $1,278                   2.27                     
  $ 25001 -  30000                 $27,330        $1,572                   2.73                     
  $ 30001 -  35000                 $32,477        $1,908                   3.08                     
  $ 35001 -  40000                 $37,518        $2,248                   3.36                     
  $ 40001 -  45000                 $42,524        $2,780                   3.56                     
  $ 45001 -  50000                 $47,560        $3,223                   3.66                     
  $ 50001 -  75000                 $60,716        $4,698                   3.97                     
  $ 75001 - 100000                 $84,892        $8,966                   4.05                     
  $100001 - 250000                $135,543       $21,512                   4.03                     
  OVER $250,000                   $562,996      $154,920                   3.80                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $38,148        $3,559                   2.62                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   LINDON UT                                                        
                        _________________________________________________                           
  UNDER $1               10      $-274,346            $0      0.00          32                      
  $     1  -  5000      426     $1,078,703        $9,985      0.93          95                      
  $  5001 -  10000      305     $2,188,742       $82,378      3.76         233                      
  $ 10001 -  15000      210     $2,614,653      $121,239      4.64         304                      
  $ 15001 -  20000      155     $2,684,643      $145,008      5.40         282                      
  $ 20001 -  25000      129     $2,901,649      $170,466      5.87         304                      
  $ 25001 -  30000       94     $2,558,494      $142,355      5.56         253                      
  $ 30001 -  35000      101     $3,292,653      $178,711      5.43         315                      
  $ 35001 -  40000       94     $3,500,399      $220,422      6.30         304                      
  $ 40001 -  45000      116     $4,931,613      $301,584      6.12         431                      
  $ 45001 -  50000      107     $5,077,059      $311,829      6.14         391                      
  $ 50001 -  75000      392    $24,245,880    $1,569,313      6.47       1,730                      
  $ 75001 - 100000      230    $19,815,045    $1,885,124      9.51       1,015                      
  $100001 - 250000      225    $31,473,945    $4,731,347     15.03       1,073                      
  OVER $250,000          41    $20,235,992    $5,769,656     28.51         197                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,635    $126,325,124   $15,639,417     12.38        6,959                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.2           0.0                    0.5                     
  $     1  -  5000    16.2             0.9           0.1                    1.4                     
  $  5001 -  10000    11.6             1.7           0.5                    3.3                     
  $ 10001 -  15000     8.0             2.1           0.8                    4.4                     
  $ 15001 -  20000     5.9             2.1           0.9                    4.1                     
  $ 20001 -  25000     4.9             2.3           1.1                    4.4                     
  $ 25001 -  30000     3.6             2.0           0.9                    3.6                     
  $ 30001 -  35000     3.8             2.6           1.1                    4.5                     
  $ 35001 -  40000     3.6             2.8           1.4                    4.4                     
  $ 40001 -  45000     4.4             3.9           1.9                    6.2                     
  $ 45001 -  50000     4.1             4.0           2.0                    5.6                     
  $ 50001 -  75000    14.9            19.2          10.0                   24.9                     
  $ 75001 - 100000     8.7            15.7          12.1                   14.6                     
  $100001 - 250000     8.5            24.9          30.3                   15.4                     
  OVER $250,000        1.6            16.0          36.9                    2.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-27,435            $0                   3.20                     
  $     1  -  5000                  $2,532           $23                   0.22                     
  $  5001 -  10000                  $7,176          $270                   0.76                     
  $ 10001 -  15000                 $12,451          $577                   1.45                     
  $ 15001 -  20000                 $17,320          $936                   1.82                     
  $ 20001 -  25000                 $22,493        $1,321                   2.36                     
  $ 25001 -  30000                 $27,218        $1,514                   2.69                     
  $ 30001 -  35000                 $32,601        $1,769                   3.12                     
  $ 35001 -  40000                 $37,238        $2,345                   3.23                     
  $ 40001 -  45000                 $42,514        $2,600                   3.72                     
  $ 45001 -  50000                 $47,449        $2,914                   3.65                     
  $ 50001 -  75000                 $61,852        $4,003                   4.41                     
  $ 75001 - 100000                 $86,152        $8,196                   4.41                     
  $100001 - 250000                $139,884       $21,028                   4.77                     
  OVER $250,000                   $493,561      $140,723                   4.80                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $47,941        $5,935                   2.64                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   LOGAN UT                                                         
                        _________________________________________________                           
  UNDER $1              101    $-1,560,220       $12,396     -0.79         161                      
  $     1  -  5000    2,265     $6,264,224       $60,702      0.97       1,290                      
  $  5001 -  10000    2,320    $17,231,163      $428,421      2.49       2,409                      
  $ 10001 -  15000    2,055    $25,680,861      $997,945      3.89       3,244                      
  $ 15001 -  20000    1,838    $32,170,277    $1,566,085      4.87       3,559                      
  $ 20001 -  25000    1,500    $33,505,138    $1,920,729      5.73       3,236                      
  $ 25001 -  30000    1,116    $30,461,925    $1,894,965      6.22       2,758                      
  $ 30001 -  35000      869    $28,176,497    $1,918,776      6.81       2,301                      
  $ 35001 -  40000      730    $27,375,933    $2,039,082      7.45       2,064                      
  $ 40001 -  45000      615    $26,098,943    $2,071,460      7.94       1,907                      
  $ 45001 -  50000      498    $23,595,416    $1,917,074      8.12       1,611                      
  $ 50001 -  75000    1,513    $92,232,060    $8,675,027      9.41       5,150                      
  $ 75001 - 100000      551    $47,256,070    $5,973,638     12.64       1,786                      
  $100001 - 250000      537    $74,138,604   $12,424,501     16.76       1,839                      
  OVER $250,000          94    $44,069,518    $9,843,325     22.34         323                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             16,602    $506,696,409   $51,744,126     10.21       33,638                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.6            -0.3           0.0                    0.5                     
  $     1  -  5000    13.6             1.2           0.1                    3.8                     
  $  5001 -  10000    14.0             3.4           0.8                    7.2                     
  $ 10001 -  15000    12.4             5.1           1.9                    9.6                     
  $ 15001 -  20000    11.1             6.3           3.0                   10.6                     
  $ 20001 -  25000     9.0             6.6           3.7                    9.6                     
  $ 25001 -  30000     6.7             6.0           3.7                    8.2                     
  $ 30001 -  35000     5.2             5.6           3.7                    6.8                     
  $ 35001 -  40000     4.4             5.4           3.9                    6.1                     
  $ 40001 -  45000     3.7             5.2           4.0                    5.7                     
  $ 45001 -  50000     3.0             4.7           3.7                    4.8                     
  $ 50001 -  75000     9.1            18.2          16.8                   15.3                     
  $ 75001 - 100000     3.3             9.3          11.5                    5.3                     
  $100001 - 250000     3.2            14.6          24.0                    5.5                     
  OVER $250,000        0.6             8.7          19.0                    1.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-15,448          $123                   1.59                     
  $     1  -  5000                  $2,766           $27                   0.57                     
  $  5001 -  10000                  $7,427          $185                   1.04                     
  $ 10001 -  15000                 $12,497          $486                   1.58                     
  $ 15001 -  20000                 $17,503          $852                   1.94                     
  $ 20001 -  25000                 $22,337        $1,280                   2.16                     
  $ 25001 -  30000                 $27,296        $1,698                   2.47                     
  $ 30001 -  35000                 $32,424        $2,208                   2.65                     
  $ 35001 -  40000                 $37,501        $2,793                   2.83                     
  $ 40001 -  45000                 $42,437        $3,368                   3.10                     
  $ 45001 -  50000                 $47,380        $3,850                   3.23                     
  $ 50001 -  75000                 $60,960        $5,734                   3.40                     
  $ 75001 - 100000                 $85,764       $10,841                   3.24                     
  $100001 - 250000                $138,061       $23,137                   3.42                     
  OVER $250,000                   $468,825      $104,716                   3.44                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,520        $3,117                   2.03                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   MAGNA UT                                                         
                        _________________________________________________                           
  UNDER $1               12      $-410,627        $1,228     -0.30          23                      
  $     1  -  5000      894     $2,393,678        $4,524      0.19         501                      
  $  5001 -  10000      846     $6,300,519      $158,548      2.52         973                      
  $ 10001 -  15000      794     $9,984,459      $385,795      3.86       1,369                      
  $ 15001 -  20000      857    $15,046,008      $741,285      4.93       1,690                      
  $ 20001 -  25000      765    $17,201,094      $979,726      5.70       1,770                      
  $ 25001 -  30000      710    $19,453,069    $1,243,743      6.39       1,763                      
  $ 30001 -  35000      601    $19,522,703    $1,262,294      6.47       1,730                      
  $ 35001 -  40000      622    $23,290,082    $1,662,770      7.14       1,836                      
  $ 40001 -  45000      530    $22,490,460    $1,651,099      7.34       1,768                      
  $ 45001 -  50000      476    $22,576,822    $1,787,771      7.92       1,575                      
  $ 50001 -  75000    1,184    $70,452,058    $6,432,904      9.13       4,099                      
  $ 75001 - 100000      212    $17,801,155    $2,203,454     12.38         742                      
  OVER $100,000          50     $6,342,626    $1,056,334     16.65         162                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,553    $252,444,106   $19,571,475      7.75       20,001                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.1            -0.2           0.0                    0.1                     
  $     1  -  5000    10.5             0.9           0.0                    2.5                     
  $  5001 -  10000     9.9             2.5           0.8                    4.9                     
  $ 10001 -  15000     9.3             4.0           2.0                    6.8                     
  $ 15001 -  20000    10.0             6.0           3.8                    8.4                     
  $ 20001 -  25000     8.9             6.8           5.0                    8.8                     
  $ 25001 -  30000     8.3             7.7           6.4                    8.8                     
  $ 30001 -  35000     7.0             7.7           6.4                    8.6                     
  $ 35001 -  40000     7.3             9.2           8.5                    9.2                     
  $ 40001 -  45000     6.2             8.9           8.4                    8.8                     
  $ 45001 -  50000     5.6             8.9           9.1                    7.9                     
  $ 50001 -  75000    13.8            27.9          32.9                   20.5                     
  $ 75001 - 100000     2.5             7.1          11.3                    3.7                     
  OVER $100,000        0.6             2.5           5.4                    0.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-34,219          $102                   1.92                     
  $     1  -  5000                  $2,677            $5                   0.56                     
  $  5001 -  10000                  $7,447          $187                   1.15                     
  $ 10001 -  15000                 $12,575          $486                   1.72                     
  $ 15001 -  20000                 $17,557          $865                   1.97                     
  $ 20001 -  25000                 $22,485        $1,281                   2.31                     
  $ 25001 -  30000                 $27,399        $1,752                   2.48                     
  $ 30001 -  35000                 $32,484        $2,100                   2.88                     
  $ 35001 -  40000                 $37,444        $2,673                   2.95                     
  $ 40001 -  45000                 $42,435        $3,115                   3.34                     
  $ 45001 -  50000                 $47,430        $3,756                   3.31                     
  $ 50001 -  75000                 $59,503        $5,433                   3.46                     
  $ 75001 - 100000                 $83,968       $10,394                   3.50                     
  OVER $100,000                   $126,853       $21,127                   3.24                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $29,515        $2,288                   2.34                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   MANTI UT                                                         
                        _________________________________________________                           
  UNDER $1               15    $-1,087,959            $0      0.00          38                      
  $     1  -  5000      159       $448,413        $1,373      0.31          91                      
  $  5001 -  10000      137     $1,034,745       $20,651      2.00         214                      
  $ 10001 -  15000       99     $1,226,597       $31,370      2.56         236                      
  $ 15001 -  20000       85     $1,477,289       $50,130      3.39         198                      
  $ 20001 -  25000       66     $1,487,794       $60,177      4.04         191                      
  $ 25001 -  30000       70     $1,918,942       $86,934      4.53         229                      
  $ 30001 -  35000       65     $2,114,842      $110,053      5.20         229                      
  $ 35001 -  40000       56     $2,112,534      $126,422      5.98         205                      
  $ 40001 -  45000       40     $1,687,966       $99,896      5.92         152                      
  $ 45001 -  50000       34     $1,621,783       $96,614      5.96         157                      
  $ 50001 -  75000      107     $6,328,205      $536,103      8.47         400                      
  $ 75001 - 100000       17     $1,428,202      $155,742     10.90          76                      
  OVER $100,000          20     $4,305,390      $682,586     15.85          74                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                970     $26,104,743    $2,058,051      7.88        2,490                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.5            -4.2           0.0                    1.5                     
  $     1  -  5000    16.4             1.7           0.1                    3.7                     
  $  5001 -  10000    14.1             4.0           1.0                    8.6                     
  $ 10001 -  15000    10.2             4.7           1.5                    9.5                     
  $ 15001 -  20000     8.8             5.7           2.4                    8.0                     
  $ 20001 -  25000     6.8             5.7           2.9                    7.7                     
  $ 25001 -  30000     7.2             7.4           4.2                    9.2                     
  $ 30001 -  35000     6.7             8.1           5.3                    9.2                     
  $ 35001 -  40000     5.8             8.1           6.1                    8.2                     
  $ 40001 -  45000     4.1             6.5           4.9                    6.1                     
  $ 45001 -  50000     3.5             6.2           4.7                    6.3                     
  $ 50001 -  75000    11.0            24.2          26.0                   16.1                     
  $ 75001 - 100000     1.8             5.5           7.6                    3.1                     
  OVER $100,000        2.1            16.5          33.2                    3.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-72,531            $0                   2.53                     
  $     1  -  5000                  $2,820            $9                   0.57                     
  $  5001 -  10000                  $7,553          $151                   1.56                     
  $ 10001 -  15000                 $12,390          $317                   2.38                     
  $ 15001 -  20000                 $17,380          $590                   2.33                     
  $ 20001 -  25000                 $22,542          $912                   2.89                     
  $ 25001 -  30000                 $27,413        $1,242                   3.27                     
  $ 30001 -  35000                 $32,536        $1,693                   3.52                     
  $ 35001 -  40000                 $37,724        $2,258                   3.66                     
  $ 40001 -  45000                 $42,199        $2,497                   3.80                     
  $ 45001 -  50000                 $47,700        $2,842                   4.62                     
  $ 50001 -  75000                 $59,142        $5,010                   3.74                     
  $ 75001 - 100000                 $84,012        $9,161                   4.47                     
  OVER $100,000                   $215,270       $34,129                   3.70                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $26,912        $2,122                   2.57                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   MAPLETON UT                                                      
                        _________________________________________________                           
  UNDER $1               18      $-729,723        $1,219     -0.17          33                      
  $     1  -  5000      359       $948,496       $12,328      1.30         110                      
  $  5001 -  10000      234     $1,718,411       $62,087      3.61         189                      
  $ 10001 -  15000      170     $2,149,270       $89,634      4.17         275                      
  $ 15001 -  20000      140     $2,466,555      $134,117      5.44         283                      
  $ 20001 -  25000      121     $2,721,092      $154,759      5.69         271                      
  $ 25001 -  30000       90     $2,465,844      $137,213      5.56         223                      
  $ 30001 -  35000       83     $2,696,810      $162,033      6.01         251                      
  $ 35001 -  40000       92     $3,444,411      $237,616      6.90         277                      
  $ 40001 -  45000       91     $3,867,613      $246,991      6.39         319                      
  $ 45001 -  50000       71     $3,380,669      $227,660      6.73         265                      
  $ 50001 -  75000      318    $19,609,040    $1,385,939      7.07       1,372                      
  $ 75001 - 100000      141    $11,998,111    $1,207,204     10.06         595                      
  $100001 - 250000      106    $15,595,311    $2,476,176     15.88         473                      
  OVER $250,000          29    $13,865,542    $3,538,633     25.52         109                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,063     $86,197,452   $10,073,609     11.69        5,045                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.9            -0.8           0.0                    0.7                     
  $     1  -  5000    17.4             1.1           0.1                    2.2                     
  $  5001 -  10000    11.3             2.0           0.6                    3.7                     
  $ 10001 -  15000     8.2             2.5           0.9                    5.5                     
  $ 15001 -  20000     6.8             2.9           1.3                    5.6                     
  $ 20001 -  25000     5.9             3.2           1.5                    5.4                     
  $ 25001 -  30000     4.4             2.9           1.4                    4.4                     
  $ 30001 -  35000     4.0             3.1           1.6                    5.0                     
  $ 35001 -  40000     4.5             4.0           2.4                    5.5                     
  $ 40001 -  45000     4.4             4.5           2.5                    6.3                     
  $ 45001 -  50000     3.4             3.9           2.3                    5.3                     
  $ 50001 -  75000    15.4            22.7          13.8                   27.2                     
  $ 75001 - 100000     6.8            13.9          12.0                   11.8                     
  $100001 - 250000     5.1            18.1          24.6                    9.4                     
  OVER $250,000        1.4            16.1          35.1                    2.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-40,540           $68                   1.83                     
  $     1  -  5000                  $2,642           $34                   0.31                     
  $  5001 -  10000                  $7,344          $265                   0.81                     
  $ 10001 -  15000                 $12,643          $527                   1.62                     
  $ 15001 -  20000                 $17,618          $958                   2.02                     
  $ 20001 -  25000                 $22,488        $1,279                   2.24                     
  $ 25001 -  30000                 $27,398        $1,525                   2.48                     
  $ 30001 -  35000                 $32,492        $1,952                   3.02                     
  $ 35001 -  40000                 $37,439        $2,583                   3.01                     
  $ 40001 -  45000                 $42,501        $2,714                   3.51                     
  $ 45001 -  50000                 $47,615        $3,206                   3.73                     
  $ 50001 -  75000                 $61,664        $4,358                   4.31                     
  $ 75001 - 100000                 $85,093        $8,562                   4.22                     
  $100001 - 250000                $147,126       $23,360                   4.46                     
  OVER $250,000                   $478,122      $122,022                   3.76                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $41,783        $4,883                   2.45                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   MIDVALE UT                                                       
                        _________________________________________________                           
  UNDER $1               41      $-935,643          $567     -0.06          74                      
  $     1  -  5000      998     $2,688,676       $12,488      0.46         775                      
  $  5001 -  10000    1,170     $8,840,258      $195,394      2.21       1,452                      
  $ 10001 -  15000    1,318    $16,548,625      $652,277      3.94       2,128                      
  $ 15001 -  20000    1,272    $22,243,136    $1,246,498      5.60       2,212                      
  $ 20001 -  25000    1,153    $25,860,797    $1,742,105      6.74       2,153                      
  $ 25001 -  30000      971    $26,635,784    $2,098,416      7.88       1,852                      
  $ 30001 -  35000      826    $26,860,553    $2,253,078      8.39       1,691                      
  $ 35001 -  40000      760    $28,487,224    $2,551,686      8.96       1,714                      
  $ 40001 -  45000      598    $25,345,606    $2,451,637      9.67       1,385                      
  $ 45001 -  50000      489    $23,169,845    $2,410,691     10.40       1,145                      
  $ 50001 -  75000    1,393    $83,995,145    $9,154,740     10.90       3,719                      
  $ 75001 - 100000      472    $40,071,164    $5,546,282     13.84       1,322                      
  $100001 - 250000      243    $32,380,908    $5,788,163     17.88         644                      
  OVER $250,000          32    $15,616,928    $4,221,364     27.03          96                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             11,736    $377,809,006   $40,325,386     10.67       22,362                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.3            -0.2           0.0                    0.3                     
  $     1  -  5000     8.5             0.7           0.0                    3.5                     
  $  5001 -  10000    10.0             2.3           0.5                    6.5                     
  $ 10001 -  15000    11.2             4.4           1.6                    9.5                     
  $ 15001 -  20000    10.8             5.9           3.1                    9.9                     
  $ 20001 -  25000     9.8             6.8           4.3                    9.6                     
  $ 25001 -  30000     8.3             7.1           5.2                    8.3                     
  $ 30001 -  35000     7.0             7.1           5.6                    7.6                     
  $ 35001 -  40000     6.5             7.5           6.3                    7.7                     
  $ 40001 -  45000     5.1             6.7           6.1                    6.2                     
  $ 45001 -  50000     4.2             6.1           6.0                    5.1                     
  $ 50001 -  75000    11.9            22.2          22.7                   16.6                     
  $ 75001 - 100000     4.0            10.6          13.8                    5.9                     
  $100001 - 250000     2.1             8.6          14.4                    2.9                     
  OVER $250,000        0.3             4.1          10.5                    0.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-22,821           $14                   1.80                     
  $     1  -  5000                  $2,694           $13                   0.78                     
  $  5001 -  10000                  $7,556          $167                   1.24                     
  $ 10001 -  15000                 $12,556          $495                   1.61                     
  $ 15001 -  20000                 $17,487          $980                   1.74                     
  $ 20001 -  25000                 $22,429        $1,511                   1.87                     
  $ 25001 -  30000                 $27,431        $2,161                   1.91                     
  $ 30001 -  35000                 $32,519        $2,728                   2.05                     
  $ 35001 -  40000                 $37,483        $3,357                   2.26                     
  $ 40001 -  45000                 $42,384        $4,100                   2.32                     
  $ 45001 -  50000                 $47,382        $4,930                   2.34                     
  $ 50001 -  75000                 $60,298        $6,572                   2.67                     
  $ 75001 - 100000                 $84,897       $11,751                   2.80                     
  $100001 - 250000                $133,255       $23,820                   2.65                     
  OVER $250,000                   $488,029      $131,918                   3.00                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $32,192        $3,436                   1.91                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   MIDWAY UT                                                        
                        _________________________________________________                           
  UNDER $1               14      $-636,652        $2,719     -0.43          40                      
  $     1  -  5000      170       $428,306        $2,679      0.63          50                      
  $  5001 -  10000      125       $890,686       $28,237      3.17          98                      
  $ 10001 -  15000       91     $1,131,083       $48,166      4.26         141                      
  $ 15001 -  20000       86     $1,505,198       $77,229      5.13         147                      
  $ 20001 -  25000       70     $1,562,373       $96,623      6.18         145                      
  $ 25001 -  30000       63     $1,727,322      $105,151      6.09         156                      
  $ 30001 -  35000       57     $1,844,992      $133,696      7.25         146                      
  $ 35001 -  40000       58     $2,185,921      $164,488      7.52         148                      
  $ 40001 -  45000       41     $1,737,732      $128,402      7.39         136                      
  $ 45001 -  50000       42     $2,002,370      $123,719      6.18         156                      
  $ 50001 -  75000      149     $8,997,285      $738,434      8.21         538                      
  $ 75001 - 100000       63     $5,303,861      $547,383     10.32         253                      
  $100001 - 250000       63     $8,838,896    $1,405,840     15.91         228                      
  OVER $250,000          18    $11,843,085    $3,115,151     26.30          59                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,110     $49,362,458    $6,717,917     13.61        2,441                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.3            -1.3           0.0                    1.6                     
  $     1  -  5000    15.3             0.9           0.0                    2.0                     
  $  5001 -  10000    11.3             1.8           0.4                    4.0                     
  $ 10001 -  15000     8.2             2.3           0.7                    5.8                     
  $ 15001 -  20000     7.7             3.0           1.1                    6.0                     
  $ 20001 -  25000     6.3             3.2           1.4                    5.9                     
  $ 25001 -  30000     5.7             3.5           1.6                    6.4                     
  $ 30001 -  35000     5.1             3.7           2.0                    6.0                     
  $ 35001 -  40000     5.2             4.4           2.4                    6.1                     
  $ 40001 -  45000     3.7             3.5           1.9                    5.6                     
  $ 45001 -  50000     3.8             4.1           1.8                    6.4                     
  $ 50001 -  75000    13.4            18.2          11.0                   22.0                     
  $ 75001 - 100000     5.7            10.7           8.1                   10.4                     
  $100001 - 250000     5.7            17.9          20.9                    9.3                     
  OVER $250,000        1.6            24.0          46.4                    2.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-45,475          $194                   2.86                     
  $     1  -  5000                  $2,519           $16                   0.29                     
  $  5001 -  10000                  $7,125          $226                   0.78                     
  $ 10001 -  15000                 $12,429          $529                   1.55                     
  $ 15001 -  20000                 $17,502          $898                   1.71                     
  $ 20001 -  25000                 $22,320        $1,380                   2.07                     
  $ 25001 -  30000                 $27,418        $1,669                   2.48                     
  $ 30001 -  35000                 $32,368        $2,346                   2.56                     
  $ 35001 -  40000                 $37,688        $2,836                   2.55                     
  $ 40001 -  45000                 $42,384        $3,132                   3.32                     
  $ 45001 -  50000                 $47,675        $2,946                   3.71                     
  $ 50001 -  75000                 $60,384        $4,956                   3.61                     
  $ 75001 - 100000                 $84,188        $8,689                   4.02                     
  $100001 - 250000                $140,300       $22,315                   3.62                     
  OVER $250,000                   $657,949      $173,064                   3.28                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $44,471        $6,052                   2.20                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   MOAB UT                                                          
                        _________________________________________________                           
  UNDER $1               25      $-743,718            $0      0.00          41                      
  $     1  -  5000      495     $1,369,314        $5,518      0.40         333                      
  $  5001 -  10000      465     $3,489,258       $68,086      1.95         636                      
  $ 10001 -  15000      484     $6,084,721      $236,514      3.89         830                      
  $ 15001 -  20000      352     $6,116,127      $343,235      5.61         622                      
  $ 20001 -  25000      280     $6,244,812      $405,912      6.50         545                      
  $ 25001 -  30000      218     $5,981,435      $414,083      6.92         496                      
  $ 30001 -  35000      163     $5,271,387      $413,652      7.85         401                      
  $ 35001 -  40000      147     $5,495,810      $447,243      8.14         383                      
  $ 40001 -  45000      113     $4,791,624      $406,968      8.49         325                      
  $ 45001 -  50000      106     $5,038,729      $498,882      9.90         279                      
  $ 50001 -  75000      293    $17,541,383    $1,807,696     10.31         885                      
  $ 75001 - 100000       79     $6,791,782      $960,873     14.15         220                      
  OVER $100,000          64    $15,207,569    $3,770,522     24.79         182                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,284     $88,680,233    $9,779,184     11.03        6,178                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -0.8           0.0                    0.7                     
  $     1  -  5000    15.1             1.5           0.1                    5.4                     
  $  5001 -  10000    14.2             3.9           0.7                   10.3                     
  $ 10001 -  15000    14.7             6.9           2.4                   13.4                     
  $ 15001 -  20000    10.7             6.9           3.5                   10.1                     
  $ 20001 -  25000     8.5             7.0           4.2                    8.8                     
  $ 25001 -  30000     6.6             6.7           4.2                    8.0                     
  $ 30001 -  35000     5.0             5.9           4.2                    6.5                     
  $ 35001 -  40000     4.5             6.2           4.6                    6.2                     
  $ 40001 -  45000     3.4             5.4           4.2                    5.3                     
  $ 45001 -  50000     3.2             5.7           5.1                    4.5                     
  $ 50001 -  75000     8.9            19.8          18.5                   14.3                     
  $ 75001 - 100000     2.4             7.7           9.8                    3.6                     
  OVER $100,000        1.9            17.1          38.6                    2.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-29,749            $0                   1.64                     
  $     1  -  5000                  $2,766           $11                   0.67                     
  $  5001 -  10000                  $7,504          $146                   1.37                     
  $ 10001 -  15000                 $12,572          $489                   1.71                     
  $ 15001 -  20000                 $17,375          $975                   1.77                     
  $ 20001 -  25000                 $22,303        $1,450                   1.95                     
  $ 25001 -  30000                 $27,438        $1,899                   2.28                     
  $ 30001 -  35000                 $32,340        $2,538                   2.46                     
  $ 35001 -  40000                 $37,386        $3,042                   2.61                     
  $ 40001 -  45000                 $42,404        $3,601                   2.88                     
  $ 45001 -  50000                 $47,535        $4,706                   2.63                     
  $ 50001 -  75000                 $59,868        $6,170                   3.02                     
  $ 75001 - 100000                 $85,972       $12,163                   2.78                     
  OVER $100,000                   $237,618       $58,914                   2.84                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $27,004        $2,978                   1.88                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   MONROE UT                                                        
                        _________________________________________________                           
  UNDER $ 5,000         135      $-135,415        $1,648     -1.22          91                      
  $  5001 -  10000      128       $922,130       $15,766      1.71         180                      
  $ 10001 -  15000       91     $1,128,144       $35,423      3.14         168                      
  $ 15001 -  20000      100     $1,731,429       $69,484      4.01         208                      
  $ 20001 -  25000       79     $1,747,916       $68,260      3.91         226                      
  $ 25001 -  30000       59     $1,635,871       $92,729      5.67         182                      
  $ 30001 -  35000       57     $1,855,731      $111,156      5.99         170                      
  $ 35001 -  40000       44     $1,636,204      $106,611      6.52         148                      
  $ 40001 -  45000       52     $2,216,287      $153,970      6.95         196                      
  $ 45001 -  50000       30     $1,426,472      $107,546      7.54         104                      
  $ 50001 -  75000      111     $6,712,835      $580,189      8.64         412                      
  $ 75001 - 100000       24     $1,972,276      $235,461     11.94          97                      
  $100001 - 250000       14     $1,823,903      $293,330     16.08          56                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                924     $24,673,783    $1,871,573      7.59        2,238                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       14.6            -0.5           0.1                    4.1                     
  $  5001 -  10000    13.9             3.7           0.8                    8.0                     
  $ 10001 -  15000     9.8             4.6           1.9                    7.5                     
  $ 15001 -  20000    10.8             7.0           3.7                    9.3                     
  $ 20001 -  25000     8.5             7.1           3.6                   10.1                     
  $ 25001 -  30000     6.4             6.6           5.0                    8.1                     
  $ 30001 -  35000     6.2             7.5           5.9                    7.6                     
  $ 35001 -  40000     4.8             6.6           5.7                    6.6                     
  $ 40001 -  45000     5.6             9.0           8.2                    8.8                     
  $ 45001 -  50000     3.2             5.8           5.7                    4.6                     
  $ 50001 -  75000    12.0            27.2          31.0                   18.4                     
  $ 75001 - 100000     2.6             8.0          12.6                    4.3                     
  $100001 - 250000     1.5             7.4          15.7                    2.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                    $-1,003           $12                   0.67                     
  $  5001 -  10000                  $7,204          $123                   1.41                     
  $ 10001 -  15000                 $12,397          $389                   1.85                     
  $ 15001 -  20000                 $17,314          $695                   2.08                     
  $ 20001 -  25000                 $22,126          $864                   2.86                     
  $ 25001 -  30000                 $27,727        $1,572                   3.08                     
  $ 30001 -  35000                 $32,557        $1,950                   2.98                     
  $ 35001 -  40000                 $37,186        $2,423                   3.36                     
  $ 40001 -  45000                 $42,621        $2,961                   3.77                     
  $ 45001 -  50000                 $47,549        $3,585                   3.47                     
  $ 50001 -  75000                 $60,476        $5,227                   3.71                     
  $ 75001 - 100000                 $82,178        $9,811                   4.04                     
  $100001 - 250000                $130,279       $20,952                   4.00                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $26,703        $2,026                   2.42                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   MONTICELLO UT                                                    
                        _________________________________________________                           
  UNDER $1               19      $-324,623          $663     -0.20          40                      
  $     1  -  5000      142       $355,636        $1,223      0.34          72                      
  $  5001 -  10000      104       $766,289       $17,452      2.28         114                      
  $ 10001 -  15000       78       $971,937       $29,849      3.07         168                      
  $ 15001 -  20000       77     $1,351,207       $51,010      3.78         180                      
  $ 20001 -  25000       61     $1,373,111       $53,703      3.91         186                      
  $ 25001 -  30000       54     $1,487,612       $70,540      4.74         183                      
  $ 30001 -  35000       46     $1,501,526      $100,395      6.69         143                      
  $ 35001 -  40000       53     $1,946,649      $130,412      6.70         175                      
  $ 40001 -  45000       49     $2,082,448      $145,317      6.98         196                      
  $ 45001 -  50000       29     $1,375,264      $117,067      8.51         100                      
  $ 50001 -  75000      110     $6,538,987      $605,750      9.26         392                      
  $ 75001 - 100000       35     $2,969,026      $353,111     11.89         136                      
  OVER $100,000          17     $2,729,563      $471,024     17.26          58                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                874     $25,124,632    $2,147,516      8.55        2,143                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             2.2            -1.3           0.0                    1.9                     
  $     1  -  5000    16.2             1.4           0.1                    3.4                     
  $  5001 -  10000    11.9             3.0           0.8                    5.3                     
  $ 10001 -  15000     8.9             3.9           1.4                    7.8                     
  $ 15001 -  20000     8.8             5.4           2.4                    8.4                     
  $ 20001 -  25000     7.0             5.5           2.5                    8.7                     
  $ 25001 -  30000     6.2             5.9           3.3                    8.5                     
  $ 30001 -  35000     5.3             6.0           4.7                    6.7                     
  $ 35001 -  40000     6.1             7.7           6.1                    8.2                     
  $ 40001 -  45000     5.6             8.3           6.8                    9.1                     
  $ 45001 -  50000     3.3             5.5           5.5                    4.7                     
  $ 50001 -  75000    12.6            26.0          28.2                   18.3                     
  $ 75001 - 100000     4.0            11.8          16.4                    6.3                     
  OVER $100,000        1.9            10.9          21.9                    2.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-17,085           $35                   2.11                     
  $     1  -  5000                  $2,504            $9                   0.51                     
  $  5001 -  10000                  $7,368          $168                   1.10                     
  $ 10001 -  15000                 $12,461          $383                   2.15                     
  $ 15001 -  20000                 $17,548          $662                   2.34                     
  $ 20001 -  25000                 $22,510          $880                   3.05                     
  $ 25001 -  30000                 $27,548        $1,306                   3.39                     
  $ 30001 -  35000                 $32,642        $2,183                   3.11                     
  $ 35001 -  40000                 $36,729        $2,461                   3.30                     
  $ 40001 -  45000                 $42,499        $2,966                   4.00                     
  $ 45001 -  50000                 $47,423        $4,037                   3.45                     
  $ 50001 -  75000                 $59,445        $5,507                   3.56                     
  $ 75001 - 100000                 $84,829       $10,089                   3.89                     
  OVER $100,000                   $160,563       $27,707                   3.41                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $28,747        $2,457                   2.45                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   MORGAN UT                                                        
                        _________________________________________________                           
  UNDER $1               20    $-1,055,842       $17,050     -1.61          47                      
  $     1  -  5000      351       $882,979        $7,006      0.79          79                      
  $  5001 -  10000      224     $1,668,609       $65,571      3.93         134                      
  $ 10001 -  15000      163     $2,037,316       $99,532      4.89         219                      
  $ 15001 -  20000      158     $2,757,429      $139,131      5.05         286                      
  $ 20001 -  25000      151     $3,351,432      $209,827      6.26         305                      
  $ 25001 -  30000      139     $3,801,179      $272,426      7.17         306                      
  $ 30001 -  35000      128     $4,171,293      $280,465      6.72         355                      
  $ 35001 -  40000      123     $4,623,407      $338,072      7.31         353                      
  $ 40001 -  45000      127     $5,401,354      $409,787      7.59         418                      
  $ 45001 -  50000      117     $5,562,412      $414,287      7.45         413                      
  $ 50001 -  75000      399    $24,233,317    $1,985,727      8.19       1,559                      
  $ 75001 - 100000      162    $13,771,003    $1,581,300     11.48         646                      
  OVER $100,000         101    $15,247,897    $2,601,866     17.06         395                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,363     $86,453,785    $8,422,047      9.74        5,515                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -1.2           0.2                    0.9                     
  $     1  -  5000    14.9             1.0           0.1                    1.4                     
  $  5001 -  10000     9.5             1.9           0.8                    2.4                     
  $ 10001 -  15000     6.9             2.4           1.2                    4.0                     
  $ 15001 -  20000     6.7             3.2           1.7                    5.2                     
  $ 20001 -  25000     6.4             3.9           2.5                    5.5                     
  $ 25001 -  30000     5.9             4.4           3.2                    5.5                     
  $ 30001 -  35000     5.4             4.8           3.3                    6.4                     
  $ 35001 -  40000     5.2             5.3           4.0                    6.4                     
  $ 40001 -  45000     5.4             6.2           4.9                    7.6                     
  $ 45001 -  50000     5.0             6.4           4.9                    7.5                     
  $ 50001 -  75000    16.9            28.0          23.6                   28.3                     
  $ 75001 - 100000     6.9            15.9          18.8                   11.7                     
  OVER $100,000        4.3            17.6          30.9                    7.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-52,792          $853                   2.35                     
  $     1  -  5000                  $2,516           $20                   0.23                     
  $  5001 -  10000                  $7,449          $293                   0.60                     
  $ 10001 -  15000                 $12,499          $611                   1.34                     
  $ 15001 -  20000                 $17,452          $881                   1.81                     
  $ 20001 -  25000                 $22,195        $1,390                   2.02                     
  $ 25001 -  30000                 $27,347        $1,960                   2.20                     
  $ 30001 -  35000                 $32,588        $2,191                   2.77                     
  $ 35001 -  40000                 $37,589        $2,749                   2.87                     
  $ 40001 -  45000                 $42,530        $3,227                   3.29                     
  $ 45001 -  50000                 $47,542        $3,541                   3.53                     
  $ 50001 -  75000                 $60,735        $4,977                   3.91                     
  $ 75001 - 100000                 $85,006        $9,761                   3.99                     
  OVER $100,000                   $150,969       $25,761                   3.91                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $36,586        $3,564                   2.33                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                   
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   MOUNT PLEASANT UT                                                
                        _________________________________________________                           
  UNDER $ 5,000         168       $145,777        $1,073      0.74         127                      
  $  5001 -  10000      145     $1,086,143       $21,959      2.02         222                      
  $ 10001 -  15000      141     $1,743,663       $49,448      2.84         314                      
  $ 15001 -  20000      100     $1,765,794       $81,593      4.62         233                      
  $ 20001 -  25000       77     $1,724,578       $92,085      5.34         192                      
  $ 25001 -  30000       71     $1,945,606      $102,550      5.27         211                      
  $ 30001 -  35000       66     $2,143,458      $125,491      5.85         224                      
  $ 35001 -  40000       52     $1,941,101      $130,341      6.71         185                      
  $ 40001 -  45000       42     $1,787,967      $139,723      7.81         129                      
  $ 45001 -  50000       43     $2,050,565      $149,893      7.31         177                      
  $ 50001 -  75000      117     $6,951,407      $589,573      8.48         463                      
  $ 75001 - 100000       32     $2,711,336      $335,384     12.37         126                      
  OVER $100,000          20     $3,930,161      $831,442     21.16          69                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,074     $29,927,556    $2,650,555      8.86        2,672                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       15.6             0.5           0.0                    4.8                     
  $  5001 -  10000    13.5             3.6           0.8                    8.3                     
  $ 10001 -  15000    13.1             5.8           1.9                   11.8                     
  $ 15001 -  20000     9.3             5.9           3.1                    8.7                     
  $ 20001 -  25000     7.2             5.8           3.5                    7.2                     
  $ 25001 -  30000     6.6             6.5           3.9                    7.9                     
  $ 30001 -  35000     6.1             7.2           4.7                    8.4                     
  $ 35001 -  40000     4.8             6.5           4.9                    6.9                     
  $ 40001 -  45000     3.9             6.0           5.3                    4.8                     
  $ 45001 -  50000     4.0             6.9           5.7                    6.6                     
  $ 50001 -  75000    10.9            23.2          22.2                   17.3                     
  $ 75001 - 100000     3.0             9.1          12.7                    4.7                     
  OVER $100,000        1.9            13.1          31.4                    2.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                       $868            $6                   0.76                     
  $  5001 -  10000                  $7,491          $151                   1.53                     
  $ 10001 -  15000                 $12,366          $351                   2.23                     
  $ 15001 -  20000                 $17,658          $816                   2.33                     
  $ 20001 -  25000                 $22,397        $1,196                   2.49                     
  $ 25001 -  30000                 $27,403        $1,444                   2.97                     
  $ 30001 -  35000                 $32,477        $1,901                   3.39                     
  $ 35001 -  40000                 $37,329        $2,507                   3.56                     
  $ 40001 -  45000                 $42,571        $3,327                   3.07                     
  $ 45001 -  50000                 $47,688        $3,486                   4.12                     
  $ 50001 -  75000                 $59,414        $5,039                   3.96                     
  $ 75001 - 100000                 $84,729       $10,481                   3.94                     
  OVER $100,000                   $196,508       $41,572                   3.45                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $27,866        $2,468                   2.49                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   MURRAY UT                                                        
                        _________________________________________________                           
  UNDER $1               62    $-2,637,519        $5,616     -0.21          98                      
  $     1  -  5000    1,839     $4,797,374       $82,725      1.72         881                      
  $  5001 -  10000    1,716    $12,815,870      $338,963      2.64       1,845                      
  $ 10001 -  15000    1,793    $22,509,831      $973,918      4.33       2,602                      
  $ 15001 -  20000    1,873    $32,755,014    $1,990,256      6.08       2,945                      
  $ 20001 -  25000    1,575    $35,376,460    $2,534,384      7.16       2,781                      
  $ 25001 -  30000    1,362    $37,289,496    $2,942,303      7.89       2,552                      
  $ 30001 -  35000    1,115    $36,182,991    $3,043,392      8.41       2,276                      
  $ 35001 -  40000      979    $36,654,477    $3,316,457      9.05       2,126                      
  $ 40001 -  45000      848    $35,890,404    $3,365,561      9.38       1,980                      
  $ 45001 -  50000      717    $33,989,770    $3,155,723      9.28       1,952                      
  $ 50001 -  75000    2,149   $130,660,342   $13,299,076     10.18       6,491                      
  $ 75001 - 100000      888    $75,991,723    $9,421,091     12.40       2,973                      
  $100001 - 250000      615    $85,568,178   $15,001,716     17.53       2,121                      
  OVER $250,000          93    $50,698,435   $11,984,014     23.64         320                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             17,624    $628,542,846   $71,455,195     11.37       33,943                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.4           0.0                    0.3                     
  $     1  -  5000    10.4             0.8           0.1                    2.6                     
  $  5001 -  10000     9.7             2.0           0.5                    5.4                     
  $ 10001 -  15000    10.2             3.6           1.4                    7.7                     
  $ 15001 -  20000    10.6             5.2           2.8                    8.7                     
  $ 20001 -  25000     8.9             5.6           3.5                    8.2                     
  $ 25001 -  30000     7.7             5.9           4.1                    7.5                     
  $ 30001 -  35000     6.3             5.8           4.3                    6.7                     
  $ 35001 -  40000     5.6             5.8           4.6                    6.3                     
  $ 40001 -  45000     4.8             5.7           4.7                    5.8                     
  $ 45001 -  50000     4.1             5.4           4.4                    5.8                     
  $ 50001 -  75000    12.2            20.8          18.6                   19.1                     
  $ 75001 - 100000     5.0            12.1          13.2                    8.8                     
  $100001 - 250000     3.5            13.6          21.0                    6.2                     
  OVER $250,000        0.5             8.1          16.8                    0.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-42,541           $91                   1.58                     
  $     1  -  5000                  $2,609           $45                   0.48                     
  $  5001 -  10000                  $7,468          $198                   1.08                     
  $ 10001 -  15000                 $12,554          $543                   1.45                     
  $ 15001 -  20000                 $17,488        $1,063                   1.57                     
  $ 20001 -  25000                 $22,461        $1,609                   1.77                     
  $ 25001 -  30000                 $27,378        $2,160                   1.87                     
  $ 30001 -  35000                 $32,451        $2,729                   2.04                     
  $ 35001 -  40000                 $37,441        $3,388                   2.17                     
  $ 40001 -  45000                 $42,324        $3,969                   2.33                     
  $ 45001 -  50000                 $47,406        $4,401                   2.72                     
  $ 50001 -  75000                 $60,801        $6,188                   3.02                     
  $ 75001 - 100000                 $85,576       $10,609                   3.35                     
  $100001 - 250000                $139,135       $24,393                   3.45                     
  OVER $250,000                   $545,144      $128,860                   3.44                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $35,664        $4,054                   1.93                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   NEPHI UT                                                         
                        _________________________________________________                           
  UNDER $1               25      $-648,668            $0      0.00          43                      
  $     1  -  5000      281       $748,500        $4,001      0.53         120                      
  $  5001 -  10000      210     $1,549,394       $37,635      2.43         245                      
  $ 10001 -  15000      162     $1,990,716       $60,844      3.06         310                      
  $ 15001 -  20000      144     $2,520,967      $124,097      4.92         283                      
  $ 20001 -  25000      141     $3,149,957      $153,175      4.86         376                      
  $ 25001 -  30000      121     $3,335,627      $187,154      5.61         340                      
  $ 30001 -  35000      108     $3,481,487      $185,297      5.32         372                      
  $ 35001 -  40000      129     $4,815,212      $310,713      6.45         421                      
  $ 40001 -  45000      102     $4,348,771      $259,910      5.98         411                      
  $ 45001 -  50000       83     $3,951,041      $293,806      7.44         308                      
  $ 50001 -  75000      253    $15,034,898    $1,306,028      8.69         946                      
  $ 75001 - 100000       38     $3,166,089      $352,522     11.13         150                      
  OVER $100,000          36     $5,653,453      $988,417     17.48         163                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,833     $53,097,444    $4,263,599      8.03        4,488                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.4            -1.2           0.0                    1.0                     
  $     1  -  5000    15.3             1.4           0.1                    2.7                     
  $  5001 -  10000    11.5             2.9           0.9                    5.5                     
  $ 10001 -  15000     8.8             3.7           1.4                    6.9                     
  $ 15001 -  20000     7.9             4.7           2.9                    6.3                     
  $ 20001 -  25000     7.7             5.9           3.6                    8.4                     
  $ 25001 -  30000     6.6             6.3           4.4                    7.6                     
  $ 30001 -  35000     5.9             6.6           4.3                    8.3                     
  $ 35001 -  40000     7.0             9.1           7.3                    9.4                     
  $ 40001 -  45000     5.6             8.2           6.1                    9.2                     
  $ 45001 -  50000     4.5             7.4           6.9                    6.9                     
  $ 50001 -  75000    13.8            28.3          30.6                   21.1                     
  $ 75001 - 100000     2.1             6.0           8.3                    3.3                     
  OVER $100,000        2.0            10.6          23.2                    3.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-25,947            $0                   1.72                     
  $     1  -  5000                  $2,664           $14                   0.43                     
  $  5001 -  10000                  $7,378          $179                   1.17                     
  $ 10001 -  15000                 $12,288          $376                   1.91                     
  $ 15001 -  20000                 $17,507          $862                   1.97                     
  $ 20001 -  25000                 $22,340        $1,086                   2.67                     
  $ 25001 -  30000                 $27,567        $1,547                   2.81                     
  $ 30001 -  35000                 $32,236        $1,716                   3.44                     
  $ 35001 -  40000                 $37,327        $2,409                   3.26                     
  $ 40001 -  45000                 $42,635        $2,548                   4.03                     
  $ 45001 -  50000                 $47,603        $3,540                   3.71                     
  $ 50001 -  75000                 $59,426        $5,162                   3.74                     
  $ 75001 - 100000                 $83,318        $9,277                   3.95                     
  OVER $100,000                   $157,040       $27,456                   4.53                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $28,968        $2,326                   2.45                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                      
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   NORTH LOGAN UT                                                   
                        _________________________________________________                           
  UNDER $ 5,000         278       $448,675        $4,843      1.08          97                      
  $  5001 -  10000      184     $1,371,208       $44,486      3.24         148                      
  $ 10001 -  15000      134     $1,683,112       $72,857      4.33         172                      
  $ 15001 -  20000      118     $2,062,378      $100,823      4.89         238                      
  $ 20001 -  25000       99     $2,232,314      $132,424      5.93         211                      
  $ 25001 -  30000       87     $2,403,945      $139,042      5.78         240                      
  $ 30001 -  35000       78     $2,520,480      $146,729      5.82         239                      
  $ 35001 -  40000       55     $2,071,415       $94,370      4.56         222                      
  $ 40001 -  45000       81     $3,432,719      $203,728      5.93         312                      
  $ 45001 -  50000       73     $3,480,946      $223,805      6.43         283                      
  $ 50001 -  75000      237    $14,334,952    $1,092,005      7.62         973                      
  $ 75001 - 100000      119    $10,013,115    $1,097,058     10.96         465                      
  $100001 - 250000       99    $13,097,036    $2,056,160     15.70         392                      
  OVER $250,000          11     $4,225,776    $1,016,765     24.06          54                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,653     $63,378,071    $6,425,095     10.14        4,046                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       16.8             0.7           0.1                    2.4                     
  $  5001 -  10000    11.1             2.2           0.7                    3.7                     
  $ 10001 -  15000     8.1             2.7           1.1                    4.3                     
  $ 15001 -  20000     7.1             3.3           1.6                    5.9                     
  $ 20001 -  25000     6.0             3.5           2.1                    5.2                     
  $ 25001 -  30000     5.3             3.8           2.2                    5.9                     
  $ 30001 -  35000     4.7             4.0           2.3                    5.9                     
  $ 35001 -  40000     3.3             3.3           1.5                    5.5                     
  $ 40001 -  45000     4.9             5.4           3.2                    7.7                     
  $ 45001 -  50000     4.4             5.5           3.5                    7.0                     
  $ 50001 -  75000    14.3            22.6          17.0                   24.0                     
  $ 75001 - 100000     7.2            15.8          17.1                   11.5                     
  $100001 - 250000     6.0            20.7          32.0                    9.7                     
  OVER $250,000        0.7             6.7          15.8                    1.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $1,614           $17                   0.35                     
  $  5001 -  10000                  $7,452          $242                   0.80                     
  $ 10001 -  15000                 $12,561          $544                   1.28                     
  $ 15001 -  20000                 $17,478          $854                   2.02                     
  $ 20001 -  25000                 $22,549        $1,338                   2.13                     
  $ 25001 -  30000                 $27,632        $1,598                   2.76                     
  $ 30001 -  35000                 $32,314        $1,881                   3.06                     
  $ 35001 -  40000                 $37,662        $1,716                   4.04                     
  $ 40001 -  45000                 $42,379        $2,515                   3.85                     
  $ 45001 -  50000                 $47,684        $3,066                   3.88                     
  $ 50001 -  75000                 $60,485        $4,608                   4.11                     
  $ 75001 - 100000                 $84,144        $9,219                   3.91                     
  $100001 - 250000                $132,293       $20,769                   3.96                     
  OVER $250,000                   $384,161       $92,433                   4.91                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $38,341        $3,887                   2.45                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                  
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   NORTH SALT LAKE U                                                
                        _________________________________________________                           
  UNDER $1               20      $-173,796          $165     -0.09          37                      
  $     1  -  5000      431     $1,131,883        $7,782      0.69         163                      
  $  5001 -  10000      342     $2,543,074       $89,804      3.53         280                      
  $ 10001 -  15000      302     $3,786,140      $183,721      4.85         404                      
  $ 15001 -  20000      282     $4,924,125      $294,373      5.98         452                      
  $ 20001 -  25000      262     $5,896,096      $378,951      6.43         515                      
  $ 25001 -  30000      218     $5,964,040      $434,490      7.29         451                      
  $ 30001 -  35000      187     $6,053,889      $467,070      7.72         435                      
  $ 35001 -  40000      148     $5,532,841      $462,608      8.36         360                      
  $ 40001 -  45000      144     $6,122,215      $524,456      8.57         397                      
  $ 45001 -  50000      108     $5,105,844      $425,631      8.34         351                      
  $ 50001 -  75000      455    $28,281,954    $2,684,966      9.49       1,527                      
  $ 75001 - 100000      228    $19,689,096    $2,188,155     11.11         817                      
  $100001 - 250000      254    $35,732,721    $5,868,763     16.42         922                      
  OVER $250,000          47    $22,505,799    $5,949,099     26.43         170                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,428    $153,095,921   $19,960,034     13.04        7,281                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.6            -0.1           0.0                    0.5                     
  $     1  -  5000    12.6             0.7           0.0                    2.2                     
  $  5001 -  10000    10.0             1.7           0.4                    3.8                     
  $ 10001 -  15000     8.8             2.5           0.9                    5.5                     
  $ 15001 -  20000     8.2             3.2           1.5                    6.2                     
  $ 20001 -  25000     7.6             3.9           1.9                    7.1                     
  $ 25001 -  30000     6.4             3.9           2.2                    6.2                     
  $ 30001 -  35000     5.5             4.0           2.3                    6.0                     
  $ 35001 -  40000     4.3             3.6           2.3                    4.9                     
  $ 40001 -  45000     4.2             4.0           2.6                    5.5                     
  $ 45001 -  50000     3.2             3.3           2.1                    4.8                     
  $ 50001 -  75000    13.3            18.5          13.5                   21.0                     
  $ 75001 - 100000     6.7            12.9          11.0                   11.2                     
  $100001 - 250000     7.4            23.3          29.4                   12.7                     
  OVER $250,000        1.4            14.7          29.8                    2.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                         $-8,690            $8                   1.85                     
  $     1  -  5000                  $2,626           $18                   0.38                     
  $  5001 -  10000                  $7,436          $263                   0.82                     
  $ 10001 -  15000                 $12,537          $608                   1.34                     
  $ 15001 -  20000                 $17,461        $1,044                   1.60                     
  $ 20001 -  25000                 $22,504        $1,446                   1.97                     
  $ 25001 -  30000                 $27,358        $1,993                   2.07                     
  $ 30001 -  35000                 $32,374        $2,498                   2.33                     
  $ 35001 -  40000                 $37,384        $3,126                   2.43                     
  $ 40001 -  45000                 $42,515        $3,642                   2.76                     
  $ 45001 -  50000                 $47,276        $3,941                   3.25                     
  $ 50001 -  75000                 $62,158        $5,901                   3.36                     
  $ 75001 - 100000                 $86,356        $9,597                   3.58                     
  $100001 - 250000                $140,680       $23,105                   3.63                     
  OVER $250,000                   $478,847      $126,577                   3.62                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $44,660        $5,823                   2.12                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   OGDEN UT                                                         
                        _________________________________________________                           
  UNDER $1              228    $-3,939,710       $57,789     -1.47         398                      
  $     1  -  5000    6,403    $16,795,221      $119,445      0.71       4,329                      
  $  5001 -  10000    6,017    $44,718,525    $1,094,858      2.45       7,016                      
  $ 10001 -  15000    5,565    $69,394,306    $2,790,784      4.02       8,833                      
  $ 15001 -  20000    5,336    $93,036,138    $4,836,092      5.20       9,833                      
  $ 20001 -  25000    4,582   $102,737,646    $6,468,240      6.30       9,323                      
  $ 25001 -  30000    3,877   $106,333,858    $7,566,423      7.12       8,449                      
  $ 30001 -  35000    3,358   $108,974,350    $8,254,647      7.57       8,002                      
  $ 35001 -  40000    2,859   $107,077,241    $8,913,933      8.32       7,240                      
  $ 40001 -  45000    2,530   $107,277,549    $9,291,216      8.66       6,792                      
  $ 45001 -  50000    2,118   $100,578,871    $8,890,731      8.84       6,195                      
  $ 50001 -  75000    7,114   $433,544,192   $42,506,447      9.80      22,631                      
  $ 75001 - 100000    2,791   $237,827,136   $29,733,090     12.50       9,183                      
  $100001 - 250000    1,878   $255,473,891   $43,486,773     17.02       5,924                      
  OVER $250,000         299   $166,254,330   $45,667,843     27.47         939                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             54,955  $1,946,083,544  $219,678,311     11.29      115,087                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.2           0.0                    0.3                     
  $     1  -  5000    11.7             0.9           0.1                    3.8                     
  $  5001 -  10000    10.9             2.3           0.5                    6.1                     
  $ 10001 -  15000    10.1             3.6           1.3                    7.7                     
  $ 15001 -  20000     9.7             4.8           2.2                    8.5                     
  $ 20001 -  25000     8.3             5.3           2.9                    8.1                     
  $ 25001 -  30000     7.1             5.5           3.4                    7.3                     
  $ 30001 -  35000     6.1             5.6           3.8                    7.0                     
  $ 35001 -  40000     5.2             5.5           4.1                    6.3                     
  $ 40001 -  45000     4.6             5.5           4.2                    5.9                     
  $ 45001 -  50000     3.9             5.2           4.0                    5.4                     
  $ 50001 -  75000    12.9            22.3          19.3                   19.7                     
  $ 75001 - 100000     5.1            12.2          13.5                    8.0                     
  $100001 - 250000     3.4            13.1          19.8                    5.1                     
  OVER $250,000        0.5             8.5          20.8                    0.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-17,279          $253                   1.75                     
  $     1  -  5000                  $2,623           $19                   0.68                     
  $  5001 -  10000                  $7,432          $182                   1.17                     
  $ 10001 -  15000                 $12,470          $501                   1.59                     
  $ 15001 -  20000                 $17,436          $906                   1.84                     
  $ 20001 -  25000                 $22,422        $1,412                   2.03                     
  $ 25001 -  30000                 $27,427        $1,952                   2.18                     
  $ 30001 -  35000                 $32,452        $2,458                   2.38                     
  $ 35001 -  40000                 $37,453        $3,118                   2.53                     
  $ 40001 -  45000                 $42,402        $3,672                   2.68                     
  $ 45001 -  50000                 $47,488        $4,198                   2.92                     
  $ 50001 -  75000                 $60,942        $5,975                   3.18                     
  $ 75001 - 100000                 $85,212       $10,653                   3.29                     
  $100001 - 250000                $136,035       $23,156                   3.15                     
  OVER $250,000                   $556,035      $152,735                   3.14                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $35,412        $3,997                   2.09                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   OREM UT                                                          
                        _________________________________________________                           
  UNDER $1              184    $-7,516,177        $9,561     -0.13         433                      
  $     1  -  5000    4,859    $12,601,820       $98,900      0.78       1,936                      
  $  5001 -  10000    3,880    $28,668,820      $810,212      2.83       3,923                      
  $ 10001 -  15000    3,175    $39,480,078    $1,653,967      4.19       4,985                      
  $ 15001 -  20000    2,568    $44,711,468    $2,152,728      4.81       5,064                      
  $ 20001 -  25000    2,140    $47,958,414    $2,597,518      5.42       4,899                      
  $ 25001 -  30000    1,878    $51,552,199    $2,990,425      5.80       4,913                      
  $ 30001 -  35000    1,612    $52,270,785    $3,326,044      6.36       4,548                      
  $ 35001 -  40000    1,388    $51,990,866    $3,597,238      6.92       4,241                      
  $ 40001 -  45000    1,276    $54,167,198    $3,831,541      7.07       4,162                      
  $ 45001 -  50000    1,203    $57,058,070    $4,084,427      7.16       4,278                      
  $ 50001 -  75000    3,761   $229,398,691   $18,206,702      7.94      14,779                      
  $ 75001 - 100000    1,570   $134,459,920   $14,048,867     10.45       6,554                      
  $100001 - 250000    1,250   $172,357,416   $26,531,565     15.39       5,607                      
  OVER $250,000         187   $114,705,164   $27,979,781     24.39         807                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             30,931  $1,083,864,732  $111,919,476     10.33       71,129                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.6            -0.7           0.0                    0.6                     
  $     1  -  5000    15.7             1.2           0.1                    2.7                     
  $  5001 -  10000    12.5             2.6           0.7                    5.5                     
  $ 10001 -  15000    10.3             3.6           1.5                    7.0                     
  $ 15001 -  20000     8.3             4.1           1.9                    7.1                     
  $ 20001 -  25000     6.9             4.4           2.3                    6.9                     
  $ 25001 -  30000     6.1             4.8           2.7                    6.9                     
  $ 30001 -  35000     5.2             4.8           3.0                    6.4                     
  $ 35001 -  40000     4.5             4.8           3.2                    6.0                     
  $ 40001 -  45000     4.1             5.0           3.4                    5.9                     
  $ 45001 -  50000     3.9             5.3           3.6                    6.0                     
  $ 50001 -  75000    12.2            21.2          16.3                   20.8                     
  $ 75001 - 100000     5.1            12.4          12.6                    9.2                     
  $100001 - 250000     4.0            15.9          23.7                    7.9                     
  OVER $250,000        0.6            10.6          25.0                    1.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-40,849           $52                   2.35                     
  $     1  -  5000                  $2,594           $20                   0.40                     
  $  5001 -  10000                  $7,389          $209                   1.01                     
  $ 10001 -  15000                 $12,435          $521                   1.57                     
  $ 15001 -  20000                 $17,411          $838                   1.97                     
  $ 20001 -  25000                 $22,410        $1,214                   2.29                     
  $ 25001 -  30000                 $27,451        $1,592                   2.62                     
  $ 30001 -  35000                 $32,426        $2,063                   2.82                     
  $ 35001 -  40000                 $37,457        $2,592                   3.06                     
  $ 40001 -  45000                 $42,451        $3,003                   3.26                     
  $ 45001 -  50000                 $47,430        $3,395                   3.56                     
  $ 50001 -  75000                 $60,994        $4,841                   3.93                     
  $ 75001 - 100000                 $85,643        $8,948                   4.17                     
  $100001 - 250000                $137,886       $21,225                   4.49                     
  OVER $250,000                   $613,397      $149,624                   4.32                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $35,041        $3,618                   2.30                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   OTHER TOWNS                                                      
                        _________________________________________________                           
  UNDER $1              560   $-19,070,369       $20,820     -0.11       1,339                      
  $     1  -  5000    6,465    $17,045,122       $96,342      0.57       3,459                      
  $  5001 -  10000    5,164    $38,398,317      $911,015      2.37       6,454                      
  $ 10001 -  15000    4,291    $53,444,016    $1,876,203      3.51       8,083                      
  $ 15001 -  20000    3,951    $68,956,501    $3,166,052      4.59       8,678                      
  $ 20001 -  25000    3,150    $70,693,998    $3,653,870      5.17       8,148                      
  $ 25001 -  30000    2,780    $76,354,042    $4,147,250      5.43       8,279                      
  $ 30001 -  35000    2,576    $83,582,244    $5,079,735      6.08       8,107                      
  $ 35001 -  40000    2,449    $91,727,371    $5,883,525      6.41       8,390                      
  $ 40001 -  45000    2,125    $90,228,661    $6,532,100      7.24       7,352                      
  $ 45001 -  50000    1,888    $89,565,882    $6,719,236      7.50       6,831                      
  $ 50001 -  75000    5,932   $358,871,954   $31,067,530      8.66      22,644                      
  $ 75001 - 100000    1,896   $160,775,477   $18,963,647     11.80       7,210                      
  $100001 - 250000      977   $132,480,414   $21,911,678     16.54       3,758                      
  OVER $250,000         109    $65,688,170   $17,081,806     26.00         382                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             44,313  $1,378,741,800  $127,110,809      9.22      109,114                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.3            -1.4           0.0                    1.2                     
  $     1  -  5000    14.6             1.2           0.1                    3.2                     
  $  5001 -  10000    11.7             2.8           0.7                    5.9                     
  $ 10001 -  15000     9.7             3.9           1.5                    7.4                     
  $ 15001 -  20000     8.9             5.0           2.5                    8.0                     
  $ 20001 -  25000     7.1             5.1           2.9                    7.5                     
  $ 25001 -  30000     6.3             5.5           3.3                    7.6                     
  $ 30001 -  35000     5.8             6.1           4.0                    7.4                     
  $ 35001 -  40000     5.5             6.7           4.6                    7.7                     
  $ 40001 -  45000     4.8             6.5           5.1                    6.7                     
  $ 45001 -  50000     4.3             6.5           5.3                    6.3                     
  $ 50001 -  75000    13.4            26.0          24.4                   20.8                     
  $ 75001 - 100000     4.3            11.7          14.9                    6.6                     
  $100001 - 250000     2.2             9.6          17.2                    3.4                     
  OVER $250,000        0.2             4.8          13.4                    0.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-34,054           $37                   2.39                     
  $     1  -  5000                  $2,637           $15                   0.54                     
  $  5001 -  10000                  $7,436          $176                   1.25                     
  $ 10001 -  15000                 $12,455          $437                   1.88                     
  $ 15001 -  20000                 $17,453          $801                   2.20                     
  $ 20001 -  25000                 $22,443        $1,160                   2.59                     
  $ 25001 -  30000                 $27,465        $1,492                   2.98                     
  $ 30001 -  35000                 $32,447        $1,972                   3.15                     
  $ 35001 -  40000                 $37,455        $2,402                   3.43                     
  $ 40001 -  45000                 $42,461        $3,074                   3.46                     
  $ 45001 -  50000                 $47,440        $3,559                   3.62                     
  $ 50001 -  75000                 $60,498        $5,237                   3.82                     
  $ 75001 - 100000                 $84,797       $10,002                   3.80                     
  $100001 - 250000                $135,599       $22,428                   3.85                     
  OVER $250,000                   $602,644      $156,714                   3.50                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $31,114        $2,868                   2.46                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   PANGIUTCH UT                                                     
                        _________________________________________________                           
  UNDER $ 5,000         166       $349,554        $4,964      1.42          86                      
  $  5001 -  10000      128       $944,500       $21,303      2.26         136                      
  $ 10001 -  15000       95     $1,185,114       $32,306      2.73         207                      
  $ 15001 -  20000       91     $1,566,483       $56,543      3.61         236                      
  $ 20001 -  25000       59     $1,319,409       $73,258      5.55         140                      
  $ 25001 -  30000       53     $1,435,289       $72,499      5.05         155                      
  $ 30001 -  35000       47     $1,532,085       $83,013      5.42         158                      
  $ 35001 -  40000       28     $1,057,588       $69,557      6.58         102                      
  $ 40001 -  45000       36     $1,517,333      $110,683      7.29         112                      
  $ 45001 -  50000       32     $1,528,422      $110,788      7.25         118                      
  $ 50001 -  75000       64     $3,954,385      $328,170      8.30         262                      
  $ 75001 - 250000       21     $2,042,429      $301,901     14.78          75                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                820     $18,432,591    $1,264,985      6.86        1,787                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       20.2             1.9           0.4                    4.8                     
  $  5001 -  10000    15.6             5.1           1.7                    7.6                     
  $ 10001 -  15000    11.6             6.4           2.6                   11.6                     
  $ 15001 -  20000    11.1             8.5           4.5                   13.2                     
  $ 20001 -  25000     7.2             7.2           5.8                    7.8                     
  $ 25001 -  30000     6.5             7.8           5.7                    8.7                     
  $ 30001 -  35000     5.7             8.3           6.6                    8.8                     
  $ 35001 -  40000     3.4             5.7           5.5                    5.7                     
  $ 40001 -  45000     4.4             8.2           8.7                    6.3                     
  $ 45001 -  50000     3.9             8.3           8.8                    6.6                     
  $ 50001 -  75000     7.8            21.5          25.9                   14.7                     
  $ 75001 - 250000     2.6            11.1          23.9                    4.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,106           $30                   0.52                     
  $  5001 -  10000                  $7,379          $166                   1.06                     
  $ 10001 -  15000                 $12,475          $340                   2.18                     
  $ 15001 -  20000                 $17,214          $621                   2.59                     
  $ 20001 -  25000                 $22,363        $1,242                   2.37                     
  $ 25001 -  30000                 $27,081        $1,368                   2.92                     
  $ 30001 -  35000                 $32,598        $1,766                   3.36                     
  $ 35001 -  40000                 $37,771        $2,484                   3.64                     
  $ 40001 -  45000                 $42,148        $3,075                   3.11                     
  $ 45001 -  50000                 $47,763        $3,462                   3.69                     
  $ 50001 -  75000                 $61,787        $5,128                   4.09                     
  $ 75001 - 250000                 $97,259       $14,376                   3.57                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $22,479        $1,543                   2.18                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   PARK CITY UT                                                     
                        _________________________________________________                           
  UNDER $1               87    $-6,889,047        $3,560     -0.05         132                      
  $     1  -  5000      990     $2,547,057       $69,867      2.74         311                      
  $  5001 -  10000      688     $5,172,457      $184,089      3.56         568                      
  $ 10001 -  15000      666     $8,355,931      $475,808      5.69         795                      
  $ 15001 -  20000      661    $11,528,695      $818,047      7.10         898                      
  $ 20001 -  25000      603    $13,522,190    $1,132,738      8.38         854                      
  $ 25001 -  30000      383    $10,541,305      $961,737      9.12         553                      
  $ 30001 -  35000      330    $10,683,992      $942,806      8.82         543                      
  $ 35001 -  40000      308    $11,528,946    $1,072,789      9.31         566                      
  $ 40001 -  45000      264    $11,192,529    $1,110,278      9.92         502                      
  $ 45001 -  50000      252    $11,942,589    $1,210,212     10.13         516                      
  $ 50001 -  75000      945    $58,658,323    $6,003,845     10.24       2,323                      
  $ 75001 - 100000      695    $60,231,714    $7,399,982     12.29       1,984                      
  $100001 - 250000    1,399   $210,635,870   $36,024,614     17.10       4,310                      
  OVER $250,000         298   $194,704,758   $50,400,108     25.89         890                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,569    $614,357,309  $107,810,480     17.55       15,745                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.0            -1.1           0.0                    0.8                     
  $     1  -  5000    11.6             0.4           0.1                    2.0                     
  $  5001 -  10000     8.0             0.8           0.2                    3.6                     
  $ 10001 -  15000     7.8             1.4           0.4                    5.0                     
  $ 15001 -  20000     7.7             1.9           0.8                    5.7                     
  $ 20001 -  25000     7.0             2.2           1.1                    5.4                     
  $ 25001 -  30000     4.5             1.7           0.9                    3.5                     
  $ 30001 -  35000     3.9             1.7           0.9                    3.4                     
  $ 35001 -  40000     3.6             1.9           1.0                    3.6                     
  $ 40001 -  45000     3.1             1.8           1.0                    3.2                     
  $ 45001 -  50000     2.9             1.9           1.1                    3.3                     
  $ 50001 -  75000    11.0             9.5           5.6                   14.8                     
  $ 75001 - 100000     8.1             9.8           6.9                   12.6                     
  $100001 - 250000    16.3            34.3          33.4                   27.4                     
  OVER $250,000        3.5            31.7          46.7                    5.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-79,184           $41                   1.52                     
  $     1  -  5000                  $2,573           $71                   0.31                     
  $  5001 -  10000                  $7,518          $268                   0.83                     
  $ 10001 -  15000                 $12,546          $714                   1.19                     
  $ 15001 -  20000                 $17,441        $1,238                   1.36                     
  $ 20001 -  25000                 $22,425        $1,879                   1.42                     
  $ 25001 -  30000                 $27,523        $2,511                   1.44                     
  $ 30001 -  35000                 $32,376        $2,857                   1.65                     
  $ 35001 -  40000                 $37,432        $3,483                   1.84                     
  $ 40001 -  45000                 $42,396        $4,206                   1.90                     
  $ 45001 -  50000                 $47,391        $4,802                   2.05                     
  $ 50001 -  75000                 $62,072        $6,353                   2.46                     
  $ 75001 - 100000                 $86,664       $10,647                   2.85                     
  $100001 - 250000                $150,562       $25,750                   3.08                     
  OVER $250,000                   $653,372      $169,128                   2.99                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $71,695       $12,581                   1.84                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   PAROWAN UT                                                       
                        _________________________________________________                           
  UNDER $1               12      $-180,006            $0      0.00          32                      
  $     1  -  5000      101       $275,502          $563      0.20          87                      
  $  5001 -  10000      139     $1,015,754       $20,962      2.06         183                      
  $ 10001 -  15000      150     $1,895,839       $66,535      3.51         266                      
  $ 15001 -  20000      117     $2,036,148       $67,809      3.33         294                      
  $ 20001 -  25000       94     $2,128,739      $104,378      4.90         246                      
  $ 25001 -  30000       65     $1,787,634      $104,733      5.86         177                      
  $ 30001 -  35000       47     $1,520,743       $97,486      6.41         153                      
  $ 35001 -  40000       47     $1,744,957      $104,107      5.97         180                      
  $ 40001 -  45000       45     $1,908,866      $137,131      7.18         149                      
  $ 45001 -  50000       40     $1,879,090      $144,839      7.71         143                      
  $ 50001 -  75000       95     $5,723,323      $507,550      8.87         337                      
  $ 75001 - 100000       21     $1,831,861      $235,628     12.86          67                      
  OVER $100,000          11     $1,678,046      $298,627     17.80          32                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                984     $25,246,496    $1,890,348      7.49        2,346                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.2            -0.7           0.0                    1.4                     
  $     1  -  5000    10.3             1.1           0.0                    3.7                     
  $  5001 -  10000    14.1             4.0           1.1                    7.8                     
  $ 10001 -  15000    15.2             7.5           3.5                   11.3                     
  $ 15001 -  20000    11.9             8.1           3.6                   12.5                     
  $ 20001 -  25000     9.6             8.4           5.5                   10.5                     
  $ 25001 -  30000     6.6             7.1           5.5                    7.5                     
  $ 30001 -  35000     4.8             6.0           5.2                    6.5                     
  $ 35001 -  40000     4.8             6.9           5.5                    7.7                     
  $ 40001 -  45000     4.6             7.6           7.3                    6.4                     
  $ 45001 -  50000     4.1             7.4           7.7                    6.1                     
  $ 50001 -  75000     9.7            22.7          26.8                   14.4                     
  $ 75001 - 100000     2.1             7.3          12.5                    2.9                     
  OVER $100,000        1.1             6.6          15.8                    1.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-15,001            $0                   2.67                     
  $     1  -  5000                  $2,728            $6                   0.86                     
  $  5001 -  10000                  $7,308          $151                   1.32                     
  $ 10001 -  15000                 $12,639          $444                   1.77                     
  $ 15001 -  20000                 $17,403          $580                   2.51                     
  $ 20001 -  25000                 $22,646        $1,110                   2.62                     
  $ 25001 -  30000                 $27,502        $1,611                   2.72                     
  $ 30001 -  35000                 $32,356        $2,074                   3.26                     
  $ 35001 -  40000                 $37,127        $2,215                   3.83                     
  $ 40001 -  45000                 $42,419        $3,047                   3.31                     
  $ 45001 -  50000                 $46,977        $3,621                   3.58                     
  $ 50001 -  75000                 $60,246        $5,343                   3.55                     
  $ 75001 - 100000                 $87,231       $11,220                   3.19                     
  OVER $100,000                   $152,550       $27,148                   2.91                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $25,657        $1,921                   2.38                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   PAYSON UT                                                        
                        _________________________________________________                           
  UNDER $1               37    $-1,101,141        $1,362     -0.12         121                      
  $     1  -  5000      705     $1,951,608        $7,487      0.38         302                      
  $  5001 -  10000      600     $4,427,790      $132,115      2.98         691                      
  $ 10001 -  15000      524     $6,484,570      $290,280      4.48         839                      
  $ 15001 -  20000      431     $7,509,897      $356,692      4.75         891                      
  $ 20001 -  25000      395     $8,886,068      $496,245      5.58         907                      
  $ 25001 -  30000      343     $9,417,936      $531,429      5.64         993                      
  $ 30001 -  35000      341    $11,089,690      $654,258      5.90       1,087                      
  $ 35001 -  40000      336    $12,599,699      $738,220      5.86       1,246                      
  $ 40001 -  45000      301    $12,770,622      $800,547      6.27       1,173                      
  $ 45001 -  50000      268    $12,715,746      $897,067      7.05       1,031                      
  $ 50001 -  75000      721    $42,950,394    $3,491,542      8.13       2,837                      
  $ 75001 - 100000      184    $15,658,809    $1,716,529     10.96         772                      
  OVER $100,000         112    $17,544,050    $3,268,542     18.63         476                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              5,298    $162,905,738   $13,382,315      8.21       13,366                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.7            -0.7           0.0                    0.9                     
  $     1  -  5000    13.3             1.2           0.1                    2.3                     
  $  5001 -  10000    11.3             2.7           1.0                    5.2                     
  $ 10001 -  15000     9.9             4.0           2.2                    6.3                     
  $ 15001 -  20000     8.1             4.6           2.7                    6.7                     
  $ 20001 -  25000     7.5             5.5           3.7                    6.8                     
  $ 25001 -  30000     6.5             5.8           4.0                    7.4                     
  $ 30001 -  35000     6.4             6.8           4.9                    8.1                     
  $ 35001 -  40000     6.3             7.7           5.5                    9.3                     
  $ 40001 -  45000     5.7             7.8           6.0                    8.8                     
  $ 45001 -  50000     5.1             7.8           6.7                    7.7                     
  $ 50001 -  75000    13.6            26.4          26.1                   21.2                     
  $ 75001 - 100000     3.5             9.6          12.8                    5.8                     
  OVER $100,000        2.1            10.8          24.4                    3.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-29,761           $37                   3.27                     
  $     1  -  5000                  $2,768           $11                   0.43                     
  $  5001 -  10000                  $7,380          $220                   1.15                     
  $ 10001 -  15000                 $12,375          $554                   1.60                     
  $ 15001 -  20000                 $17,424          $828                   2.07                     
  $ 20001 -  25000                 $22,496        $1,256                   2.30                     
  $ 25001 -  30000                 $27,458        $1,549                   2.90                     
  $ 30001 -  35000                 $32,521        $1,919                   3.19                     
  $ 35001 -  40000                 $37,499        $2,197                   3.71                     
  $ 40001 -  45000                 $42,427        $2,660                   3.90                     
  $ 45001 -  50000                 $47,447        $3,347                   3.85                     
  $ 50001 -  75000                 $59,571        $4,843                   3.93                     
  $ 75001 - 100000                 $85,102        $9,329                   4.20                     
  OVER $100,000                   $156,643       $29,183                   4.25                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,749        $2,526                   2.52                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   PERRY UT                                                         
                        _________________________________________________                           
  UNDER $ 5,000         116       $241,541        $1,143      0.47          45                      
  $  5001 -  10000       66       $489,401       $15,734      3.21          56                      
  $ 10001 -  15000       58       $726,329       $32,039      4.41          75                      
  $ 15001 -  20000       42       $736,995       $34,448      4.67          68                      
  $ 20001 -  25000       44       $980,188       $59,824      6.10          97                      
  $ 25001 -  30000       38     $1,035,269       $64,631      6.24          95                      
  $ 30001 -  35000       44     $1,442,020       $92,771      6.43         134                      
  $ 35001 -  40000       39     $1,478,175      $102,900      6.96         115                      
  $ 40001 -  45000       58     $2,475,043      $190,865      7.71         180                      
  $ 45001 -  50000       34     $1,622,454      $120,022      7.40         115                      
  $ 50001 -  75000      157     $9,598,215      $844,313      8.80         567                      
  $ 75001 - 100000       51     $4,336,408      $525,273     12.11         178                      
  OVER $100,000          39     $6,599,575    $1,776,720     26.92         134                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                786     $31,761,613    $3,860,683     12.16        1,859                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       14.8             0.8           0.0                    2.4                     
  $  5001 -  10000     8.4             1.5           0.4                    3.0                     
  $ 10001 -  15000     7.4             2.3           0.8                    4.0                     
  $ 15001 -  20000     5.3             2.3           0.9                    3.7                     
  $ 20001 -  25000     5.6             3.1           1.5                    5.2                     
  $ 25001 -  30000     4.8             3.3           1.7                    5.1                     
  $ 30001 -  35000     5.6             4.5           2.4                    7.2                     
  $ 35001 -  40000     5.0             4.7           2.7                    6.2                     
  $ 40001 -  45000     7.4             7.8           4.9                    9.7                     
  $ 45001 -  50000     4.3             5.1           3.1                    6.2                     
  $ 50001 -  75000    20.0            30.2          21.9                   30.5                     
  $ 75001 - 100000     6.5            13.7          13.6                    9.6                     
  OVER $100,000        5.0            20.8          46.0                    7.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,082           $10                   0.39                     
  $  5001 -  10000                  $7,415          $238                   0.85                     
  $ 10001 -  15000                 $12,523          $552                   1.29                     
  $ 15001 -  20000                 $17,548          $820                   1.62                     
  $ 20001 -  25000                 $22,277        $1,360                   2.20                     
  $ 25001 -  30000                 $27,244        $1,701                   2.50                     
  $ 30001 -  35000                 $32,773        $2,108                   3.05                     
  $ 35001 -  40000                 $37,902        $2,638                   2.95                     
  $ 40001 -  45000                 $42,673        $3,291                   3.10                     
  $ 45001 -  50000                 $47,719        $3,530                   3.38                     
  $ 50001 -  75000                 $61,135        $5,378                   3.61                     
  $ 75001 - 100000                 $85,028       $10,299                   3.49                     
  OVER $100,000                   $169,220       $45,557                   3.44                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $40,409        $4,912                   2.37                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   PLAIN CITY UT                                                    
                        _________________________________________________                           
  UNDER $ 5,000         147       $314,572        $1,149      0.37          34                      
  $  5001 -  10000       77       $547,857       $17,897      3.27          63                      
  $ 10001 -  15000       47       $601,699       $34,865      5.79          52                      
  $ 15001 -  20000       52       $881,421       $56,110      6.37          73                      
  $ 20001 -  25000       44       $981,377       $63,357      6.46          86                      
  $ 25001 -  30000       46     $1,253,176       $79,915      6.38         106                      
  $ 30001 -  35000       45     $1,463,074       $97,232      6.65         117                      
  $ 35001 -  40000       40     $1,503,076       $92,772      6.17         128                      
  $ 40001 -  45000       49     $2,081,190      $127,207      6.11         183                      
  $ 45001 -  50000       37     $1,761,078      $105,318      5.98         153                      
  $ 50001 -  75000      182    $11,386,603      $946,073      8.31         713                      
  $ 75001 - 100000       51     $4,262,831      $468,547     10.99         200                      
  OVER $100,000          24     $4,624,833      $890,444     19.25         110                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                841     $31,662,787    $2,980,886      9.41        2,018                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       17.5             1.0           0.0                    1.7                     
  $  5001 -  10000     9.2             1.7           0.6                    3.1                     
  $ 10001 -  15000     5.6             1.9           1.2                    2.6                     
  $ 15001 -  20000     6.2             2.8           1.9                    3.6                     
  $ 20001 -  25000     5.2             3.1           2.1                    4.3                     
  $ 25001 -  30000     5.5             4.0           2.7                    5.3                     
  $ 30001 -  35000     5.4             4.6           3.3                    5.8                     
  $ 35001 -  40000     4.8             4.7           3.1                    6.3                     
  $ 40001 -  45000     5.8             6.6           4.3                    9.1                     
  $ 45001 -  50000     4.4             5.6           3.5                    7.6                     
  $ 50001 -  75000    21.6            36.0          31.7                   35.3                     
  $ 75001 - 100000     6.1            13.5          15.7                    9.9                     
  OVER $100,000        2.9            14.6          29.9                    5.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,140            $8                   0.23                     
  $  5001 -  10000                  $7,115          $232                   0.82                     
  $ 10001 -  15000                 $12,802          $742                   1.11                     
  $ 15001 -  20000                 $16,950        $1,079                   1.40                     
  $ 20001 -  25000                 $22,304        $1,440                   1.95                     
  $ 25001 -  30000                 $27,243        $1,737                   2.30                     
  $ 30001 -  35000                 $32,513        $2,161                   2.60                     
  $ 35001 -  40000                 $37,577        $2,319                   3.20                     
  $ 40001 -  45000                 $42,473        $2,596                   3.73                     
  $ 45001 -  50000                 $47,597        $2,846                   4.14                     
  $ 50001 -  75000                 $62,564        $5,198                   3.92                     
  $ 75001 - 100000                 $83,585        $9,187                   3.92                     
  OVER $100,000                   $192,701       $37,102                   4.58                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $37,649        $3,544                   2.40                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                   
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   PLEASANT GROVE UT                                                
                        _________________________________________________                           
  UNDER $1               33    $-1,388,650        $2,621     -0.19          79                      
  $     1  -  5000    1,021     $2,684,520       $11,468      0.43         420                      
  $  5001 -  10000      859     $6,366,736      $191,333      3.01         895                      
  $ 10001 -  15000      725     $9,081,473      $395,254      4.35       1,133                      
  $ 15001 -  20000      611    $10,725,733      $516,964      4.82       1,209                      
  $ 20001 -  25000      511    $11,474,241      $634,073      5.53       1,182                      
  $ 25001 -  30000      423    $11,598,989      $669,779      5.77       1,140                      
  $ 30001 -  35000      429    $13,943,267      $838,444      6.01       1,299                      
  $ 35001 -  40000      453    $17,023,266      $981,353      5.76       1,586                      
  $ 40001 -  45000      438    $18,638,151    $1,142,974      6.13       1,604                      
  $ 45001 -  50000      369    $17,502,643    $1,054,086      6.02       1,466                      
  $ 50001 -  75000    1,371    $83,511,170    $6,337,277      7.59       5,547                      
  $ 75001 - 100000      496    $42,413,139    $4,428,305     10.44       2,062                      
  $100001 - 250000      289    $38,738,800    $6,052,061     15.62       1,200                      
  OVER $250,000          23    $10,160,588    $2,782,108     27.38          81                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,051    $292,474,066   $26,038,100      8.90       20,903                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.5           0.0                    0.4                     
  $     1  -  5000    12.7             0.9           0.0                    2.0                     
  $  5001 -  10000    10.7             2.2           0.7                    4.3                     
  $ 10001 -  15000     9.0             3.1           1.5                    5.4                     
  $ 15001 -  20000     7.6             3.7           2.0                    5.8                     
  $ 20001 -  25000     6.3             3.9           2.4                    5.7                     
  $ 25001 -  30000     5.3             4.0           2.6                    5.5                     
  $ 30001 -  35000     5.3             4.8           3.2                    6.2                     
  $ 35001 -  40000     5.6             5.8           3.8                    7.6                     
  $ 40001 -  45000     5.4             6.4           4.4                    7.7                     
  $ 45001 -  50000     4.6             6.0           4.0                    7.0                     
  $ 50001 -  75000    17.0            28.6          24.3                   26.5                     
  $ 75001 - 100000     6.2            14.5          17.0                    9.9                     
  $100001 - 250000     3.6            13.2          23.2                    5.7                     
  OVER $250,000        0.3             3.5          10.7                    0.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-42,080           $79                   2.39                     
  $     1  -  5000                  $2,629           $11                   0.41                     
  $  5001 -  10000                  $7,412          $223                   1.04                     
  $ 10001 -  15000                 $12,526          $545                   1.56                     
  $ 15001 -  20000                 $17,554          $846                   1.98                     
  $ 20001 -  25000                 $22,454        $1,241                   2.31                     
  $ 25001 -  30000                 $27,421        $1,583                   2.70                     
  $ 30001 -  35000                 $32,502        $1,954                   3.03                     
  $ 35001 -  40000                 $37,579        $2,166                   3.50                     
  $ 40001 -  45000                 $42,553        $2,610                   3.66                     
  $ 45001 -  50000                 $47,433        $2,857                   3.97                     
  $ 50001 -  75000                 $60,913        $4,622                   4.05                     
  $ 75001 - 100000                 $85,510        $8,928                   4.16                     
  $100001 - 250000                $134,044       $20,941                   4.15                     
  OVER $250,000                   $441,765      $120,961                   3.52                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $36,328        $3,234                   2.60                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   PRICE UT                                                         
                        _________________________________________________                           
  UNDER $1               36      $-670,713          $376     -0.06          68                      
  $     1  -  5000      791     $2,128,402       $21,679      1.02         493                      
  $  5001 -  10000      674     $4,970,485      $105,230      2.12         830                      
  $ 10001 -  15000      499     $6,242,007      $207,951      3.33         895                      
  $ 15001 -  20000      371     $6,411,562      $319,935      4.99         690                      
  $ 20001 -  25000      316     $7,102,796      $419,679      5.91         682                      
  $ 25001 -  30000      275     $7,561,039      $557,309      7.37         621                      
  $ 30001 -  35000      266     $8,644,921      $612,634      7.09         719                      
  $ 35001 -  40000      240     $8,976,331      $707,650      7.88         684                      
  $ 40001 -  45000      192     $8,136,166      $707,424      8.69         591                      
  $ 45001 -  50000      209     $9,899,148      $917,072      9.26         636                      
  $ 50001 -  75000      798    $48,814,899    $4,817,059      9.87       2,790                      
  $ 75001 - 100000      300    $25,543,624    $3,381,741     13.24       1,048                      
  $100001 - 250000      134    $17,900,087    $3,247,666     18.14         426                      
  OVER $250,000          18     $8,612,984    $2,211,141     25.67          69                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              5,119    $170,273,738   $18,234,546     10.71       11,242                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.7            -0.4           0.0                    0.6                     
  $     1  -  5000    15.5             1.2           0.1                    4.4                     
  $  5001 -  10000    13.2             2.9           0.6                    7.4                     
  $ 10001 -  15000     9.7             3.7           1.1                    8.0                     
  $ 15001 -  20000     7.2             3.8           1.8                    6.1                     
  $ 20001 -  25000     6.2             4.2           2.3                    6.1                     
  $ 25001 -  30000     5.4             4.4           3.1                    5.5                     
  $ 30001 -  35000     5.2             5.1           3.4                    6.4                     
  $ 35001 -  40000     4.7             5.3           3.9                    6.1                     
  $ 40001 -  45000     3.8             4.8           3.9                    5.3                     
  $ 45001 -  50000     4.1             5.8           5.0                    5.7                     
  $ 50001 -  75000    15.6            28.7          26.4                   24.8                     
  $ 75001 - 100000     5.9            15.0          18.5                    9.3                     
  $100001 - 250000     2.6            10.5          17.8                    3.8                     
  OVER $250,000        0.4             5.1          12.1                    0.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-18,631           $10                   1.89                     
  $     1  -  5000                  $2,691           $27                   0.62                     
  $  5001 -  10000                  $7,375          $156                   1.23                     
  $ 10001 -  15000                 $12,509          $417                   1.79                     
  $ 15001 -  20000                 $17,282          $862                   1.86                     
  $ 20001 -  25000                 $22,477        $1,328                   2.16                     
  $ 25001 -  30000                 $27,495        $2,027                   2.26                     
  $ 30001 -  35000                 $32,500        $2,303                   2.70                     
  $ 35001 -  40000                 $37,401        $2,949                   2.85                     
  $ 40001 -  45000                 $42,376        $3,685                   3.08                     
  $ 45001 -  50000                 $47,364        $4,388                   3.04                     
  $ 50001 -  75000                 $61,172        $6,036                   3.50                     
  $ 75001 - 100000                 $85,145       $11,272                   3.49                     
  $100001 - 250000                $133,583       $24,236                   3.18                     
  OVER $250,000                   $478,499      $122,841                   3.83                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $33,263        $3,562                   2.20                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   PROVIDENCE UT                                                    
                        _________________________________________________                           
  UNDER $1               14      $-273,067            $0      0.00          41                      
  $     1  -  5000      287       $703,835       $12,482      1.77          64                      
  $  5001 -  10000      164     $1,189,174       $38,616      3.25         127                      
  $ 10001 -  15000      121     $1,515,610       $74,723      4.93         153                      
  $ 15001 -  20000       97     $1,695,110       $89,091      5.26         164                      
  $ 20001 -  25000       76     $1,693,821       $97,614      5.76         155                      
  $ 25001 -  30000       64     $1,773,728      $115,924      6.54         152                      
  $ 30001 -  35000       68     $2,209,812      $138,735      6.28         197                      
  $ 35001 -  40000       81     $3,026,102      $192,973      6.38         249                      
  $ 40001 -  45000       61     $2,566,719      $147,720      5.76         215                      
  $ 45001 -  50000       80     $3,798,222      $264,779      6.97         291                      
  $ 50001 -  75000      284    $17,488,925    $1,422,499      8.13       1,106                      
  $ 75001 - 100000      143    $12,105,114    $1,254,488     10.36         598                      
  $100001 - 250000      104    $14,462,719    $2,320,261     16.04         420                      
  OVER $250,000          18     $6,254,046    $1,521,294     24.32          72                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,662     $70,209,870    $7,691,199     10.95        4,004                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -0.4           0.0                    1.0                     
  $     1  -  5000    17.3             1.0           0.2                    1.6                     
  $  5001 -  10000     9.9             1.7           0.5                    3.2                     
  $ 10001 -  15000     7.3             2.2           1.0                    3.8                     
  $ 15001 -  20000     5.8             2.4           1.2                    4.1                     
  $ 20001 -  25000     4.6             2.4           1.3                    3.9                     
  $ 25001 -  30000     3.9             2.5           1.5                    3.8                     
  $ 30001 -  35000     4.1             3.1           1.8                    4.9                     
  $ 35001 -  40000     4.9             4.3           2.5                    6.2                     
  $ 40001 -  45000     3.7             3.7           1.9                    5.4                     
  $ 45001 -  50000     4.8             5.4           3.4                    7.3                     
  $ 50001 -  75000    17.1            24.9          18.5                   27.6                     
  $ 75001 - 100000     8.6            17.2          16.3                   14.9                     
  $100001 - 250000     6.3            20.6          30.2                   10.5                     
  OVER $250,000        1.1             8.9          19.8                    1.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-19,505            $0                   2.93                     
  $     1  -  5000                  $2,452           $43                   0.22                     
  $  5001 -  10000                  $7,251          $235                   0.77                     
  $ 10001 -  15000                 $12,526          $618                   1.26                     
  $ 15001 -  20000                 $17,475          $918                   1.69                     
  $ 20001 -  25000                 $22,287        $1,284                   2.04                     
  $ 25001 -  30000                 $27,715        $1,811                   2.38                     
  $ 30001 -  35000                 $32,497        $2,040                   2.90                     
  $ 35001 -  40000                 $37,359        $2,382                   3.07                     
  $ 40001 -  45000                 $42,077        $2,422                   3.52                     
  $ 45001 -  50000                 $47,478        $3,310                   3.64                     
  $ 50001 -  75000                 $61,581        $5,009                   3.89                     
  $ 75001 - 100000                 $84,651        $8,773                   4.18                     
  $100001 - 250000                $139,065       $22,310                   4.04                     
  OVER $250,000                   $347,447       $84,516                   4.00                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $42,244        $4,628                   2.41                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   PROVO UT                                                         
                        _________________________________________________                           
  UNDER $1              270    $-8,373,408       $17,708     -0.21         495                      
  $     1  -  5000    5,253    $14,618,698      $104,115      0.71       2,976                      
  $  5001 -  10000    5,590    $41,475,207      $993,436      2.40       6,019                      
  $ 10001 -  15000    4,304    $53,546,783    $1,902,379      3.55       7,156                      
  $ 15001 -  20000    3,527    $61,332,639    $2,819,485      4.60       6,891                      
  $ 20001 -  25000    2,605    $58,205,030    $3,160,967      5.43       5,741                      
  $ 25001 -  30000    2,005    $54,895,562    $3,504,876      6.38       4,764                      
  $ 30001 -  35000    1,596    $51,704,408    $3,388,104      6.55       4,350                      
  $ 35001 -  40000    1,384    $51,830,425    $3,684,597      7.11       3,983                      
  $ 40001 -  45000    1,085    $46,017,058    $3,464,076      7.53       3,325                      
  $ 45001 -  50000      889    $42,114,817    $3,349,574      7.95       2,859                      
  $ 50001 -  75000    2,644   $160,762,266   $14,193,800      8.83       9,090                      
  $ 75001 - 100000    1,039    $88,448,654    $9,723,426     10.99       3,830                      
  $100001 - 250000      918   $129,302,413   $20,444,447     15.81       3,417                      
  OVER $250,000         215   $119,883,312   $30,654,614     25.57         773                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             33,324    $965,763,864  $101,405,604     10.50       65,669                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -0.9           0.0                    0.8                     
  $     1  -  5000    15.8             1.5           0.1                    4.5                     
  $  5001 -  10000    16.8             4.3           1.0                    9.2                     
  $ 10001 -  15000    12.9             5.5           1.9                   10.9                     
  $ 15001 -  20000    10.6             6.4           2.8                   10.5                     
  $ 20001 -  25000     7.8             6.0           3.1                    8.7                     
  $ 25001 -  30000     6.0             5.7           3.5                    7.3                     
  $ 30001 -  35000     4.8             5.4           3.3                    6.6                     
  $ 35001 -  40000     4.2             5.4           3.6                    6.1                     
  $ 40001 -  45000     3.3             4.8           3.4                    5.1                     
  $ 45001 -  50000     2.7             4.4           3.3                    4.4                     
  $ 50001 -  75000     7.9            16.6          14.0                   13.8                     
  $ 75001 - 100000     3.1             9.2           9.6                    5.8                     
  $100001 - 250000     2.8            13.4          20.2                    5.2                     
  OVER $250,000        0.6            12.4          30.2                    1.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-31,013           $66                   1.83                     
  $     1  -  5000                  $2,783           $20                   0.57                     
  $  5001 -  10000                  $7,420          $178                   1.08                     
  $ 10001 -  15000                 $12,441          $442                   1.66                     
  $ 15001 -  20000                 $17,389          $799                   1.95                     
  $ 20001 -  25000                 $22,344        $1,213                   2.20                     
  $ 25001 -  30000                 $27,379        $1,748                   2.38                     
  $ 30001 -  35000                 $32,396        $2,123                   2.73                     
  $ 35001 -  40000                 $37,450        $2,662                   2.88                     
  $ 40001 -  45000                 $42,412        $3,193                   3.06                     
  $ 45001 -  50000                 $47,373        $3,768                   3.22                     
  $ 50001 -  75000                 $60,803        $5,368                   3.44                     
  $ 75001 - 100000                 $85,129        $9,358                   3.69                     
  $100001 - 250000                $140,852       $22,271                   3.72                     
  OVER $250,000                   $557,597      $142,580                   3.60                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $28,981        $3,043                   1.97                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   RICHFIELD UT                                                     
                        _________________________________________________                           
  UNDER $1               28    $-1,335,730        $1,425     -0.11          70                      
  $     1  -  5000      488     $1,308,393       $22,549      1.72         255                      
  $  5001 -  10000      345     $2,545,370       $60,360      2.37         441                      
  $ 10001 -  15000      268     $3,339,374      $111,386      3.34         516                      
  $ 15001 -  20000      186     $3,228,056      $172,051      5.33         387                      
  $ 20001 -  25000      202     $4,553,489      $219,522      4.82         515                      
  $ 25001 -  30000      176     $4,843,547      $276,723      5.71         473                      
  $ 30001 -  35000      155     $5,016,585      $266,626      5.31         527                      
  $ 35001 -  40000      113     $4,206,478      $304,993      7.25         346                      
  $ 40001 -  45000      109     $4,644,055      $349,864      7.53         358                      
  $ 45001 -  50000      109     $5,175,824      $437,043      8.44         336                      
  $ 50001 -  75000      348    $21,156,695    $1,874,763      8.86       1,279                      
  $ 75001 - 100000      111     $9,429,958    $1,154,847     12.25         401                      
  OVER $100,000          86    $15,129,464    $2,867,564     18.95         373                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,724     $83,241,558    $8,119,716      9.75        6,277                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.0            -1.6           0.0                    1.1                     
  $     1  -  5000    17.9             1.6           0.3                    4.1                     
  $  5001 -  10000    12.7             3.1           0.7                    7.0                     
  $ 10001 -  15000     9.8             4.0           1.4                    8.2                     
  $ 15001 -  20000     6.8             3.9           2.1                    6.2                     
  $ 20001 -  25000     7.4             5.5           2.7                    8.2                     
  $ 25001 -  30000     6.5             5.8           3.4                    7.5                     
  $ 30001 -  35000     5.7             6.0           3.3                    8.4                     
  $ 35001 -  40000     4.1             5.1           3.8                    5.5                     
  $ 40001 -  45000     4.0             5.6           4.3                    5.7                     
  $ 45001 -  50000     4.0             6.2           5.4                    5.4                     
  $ 50001 -  75000    12.8            25.4          23.1                   20.4                     
  $ 75001 - 100000     4.1            11.3          14.2                    6.4                     
  OVER $100,000        3.2            18.2          35.3                    5.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-47,705           $51                   2.50                     
  $     1  -  5000                  $2,681           $46                   0.52                     
  $  5001 -  10000                  $7,378          $175                   1.28                     
  $ 10001 -  15000                 $12,460          $416                   1.93                     
  $ 15001 -  20000                 $17,355          $925                   2.08                     
  $ 20001 -  25000                 $22,542        $1,087                   2.55                     
  $ 25001 -  30000                 $27,520        $1,572                   2.69                     
  $ 30001 -  35000                 $32,365        $1,720                   3.40                     
  $ 35001 -  40000                 $37,225        $2,699                   3.06                     
  $ 40001 -  45000                 $42,606        $3,210                   3.28                     
  $ 45001 -  50000                 $47,485        $4,010                   3.08                     
  $ 50001 -  75000                 $60,795        $5,387                   3.68                     
  $ 75001 - 100000                 $84,955       $10,404                   3.61                     
  OVER $100,000                   $175,924       $33,344                   4.34                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,559        $2,981                   2.30                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   RICHMOND UT                                                      
                        _________________________________________________                           
  UNDER $ 5,000         118       $308,537        $1,658      0.54          52                      
  $  5001 -  10000       77       $565,257       $15,017      2.66          67                      
  $ 10001 -  15000       99     $1,232,469       $51,710      4.20         170                      
  $ 15001 -  20000       70     $1,227,427       $59,414      4.84         146                      
  $ 20001 -  25000       73     $1,664,483       $74,968      4.50         198                      
  $ 25001 -  30000       78     $2,119,362      $112,315      5.30         244                      
  $ 30001 -  35000       63     $2,033,803      $118,105      5.81         196                      
  $ 35001 -  40000       66     $2,473,373      $163,193      6.60         223                      
  $ 40001 -  45000       50     $2,139,019      $135,459      6.33         195                      
  $ 45001 -  50000       48     $2,264,661      $160,593      7.09         186                      
  $ 50001 -  75000      113     $6,676,590      $594,635      8.91         405                      
  $ 75001 - 100000       31     $2,574,695      $309,517     12.02         107                      
  $100001 - 250000       14     $1,922,624      $314,719     16.37          48                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                900     $27,202,300    $2,111,303      7.76        2,237                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       13.1             1.1           0.1                    2.3                     
  $  5001 -  10000     8.6             2.1           0.7                    3.0                     
  $ 10001 -  15000    11.0             4.5           2.4                    7.6                     
  $ 15001 -  20000     7.8             4.5           2.8                    6.5                     
  $ 20001 -  25000     8.1             6.1           3.6                    8.9                     
  $ 25001 -  30000     8.7             7.8           5.3                   10.9                     
  $ 30001 -  35000     7.0             7.5           5.6                    8.8                     
  $ 35001 -  40000     7.3             9.1           7.7                   10.0                     
  $ 40001 -  45000     5.6             7.9           6.4                    8.7                     
  $ 45001 -  50000     5.3             8.3           7.6                    8.3                     
  $ 50001 -  75000    12.6            24.5          28.2                   18.1                     
  $ 75001 - 100000     3.4             9.5          14.7                    4.8                     
  $100001 - 250000     1.6             7.1          14.9                    2.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,615           $14                   0.44                     
  $  5001 -  10000                  $7,341          $195                   0.87                     
  $ 10001 -  15000                 $12,449          $522                   1.72                     
  $ 15001 -  20000                 $17,535          $849                   2.09                     
  $ 20001 -  25000                 $22,801        $1,027                   2.71                     
  $ 25001 -  30000                 $27,171        $1,440                   3.13                     
  $ 30001 -  35000                 $32,283        $1,875                   3.11                     
  $ 35001 -  40000                 $37,475        $2,473                   3.38                     
  $ 40001 -  45000                 $42,780        $2,709                   3.90                     
  $ 45001 -  50000                 $47,180        $3,346                   3.88                     
  $ 50001 -  75000                 $59,085        $5,262                   3.58                     
  $ 75001 - 100000                 $83,055        $9,984                   3.45                     
  $100001 - 250000                $137,330       $22,480                   3.43                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,225        $2,346                   2.49                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   RIVERTON UT                                                      
                        _________________________________________________                           
  UNDER $1               30      $-431,633        $6,136     -1.42          61                      
  $     1  -  5000    1,383     $3,567,808       $28,324      0.79         427                      
  $  5001 -  10000      979     $7,209,564      $252,675      3.50         804                      
  $ 10001 -  15000      787     $9,813,117      $475,254      4.84       1,066                      
  $ 15001 -  20000      688    $11,973,497      $687,203      5.74       1,147                      
  $ 20001 -  25000      562    $12,601,959      $772,100      6.13       1,164                      
  $ 25001 -  30000      538    $14,766,703      $937,453      6.35       1,299                      
  $ 30001 -  35000      547    $17,752,956    $1,065,543      6.00       1,580                      
  $ 35001 -  40000      567    $21,269,899    $1,287,482      6.05       1,837                      
  $ 40001 -  45000      617    $26,239,281    $1,656,995      6.31       2,160                      
  $ 45001 -  50000      646    $30,638,000    $2,039,796      6.66       2,345                      
  $ 50001 -  75000    2,414   $147,563,504   $11,819,338      8.01       9,197                      
  $ 75001 - 100000      896    $76,242,746    $8,310,220     10.90       3,436                      
  $100001 - 250000      419    $55,334,507    $8,975,366     16.22       1,538                      
  OVER $250,000          24    $10,940,050    $2,920,686     26.70          90                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             11,097    $445,481,958   $41,234,571      9.26       28,151                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.3            -0.1           0.0                    0.2                     
  $     1  -  5000    12.5             0.8           0.1                    1.5                     
  $  5001 -  10000     8.8             1.6           0.6                    2.9                     
  $ 10001 -  15000     7.1             2.2           1.2                    3.8                     
  $ 15001 -  20000     6.2             2.7           1.7                    4.1                     
  $ 20001 -  25000     5.1             2.8           1.9                    4.1                     
  $ 25001 -  30000     4.8             3.3           2.3                    4.6                     
  $ 30001 -  35000     4.9             4.0           2.6                    5.6                     
  $ 35001 -  40000     5.1             4.8           3.1                    6.5                     
  $ 40001 -  45000     5.6             5.9           4.0                    7.7                     
  $ 45001 -  50000     5.8             6.9           4.9                    8.3                     
  $ 50001 -  75000    21.8            33.1          28.7                   32.7                     
  $ 75001 - 100000     8.1            17.1          20.2                   12.2                     
  $100001 - 250000     3.8            12.4          21.8                    5.5                     
  OVER $250,000        0.2             2.5           7.1                    0.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-14,388          $205                   2.03                     
  $     1  -  5000                  $2,580           $20                   0.31                     
  $  5001 -  10000                  $7,364          $258                   0.82                     
  $ 10001 -  15000                 $12,469          $604                   1.35                     
  $ 15001 -  20000                 $17,403          $999                   1.67                     
  $ 20001 -  25000                 $22,423        $1,374                   2.07                     
  $ 25001 -  30000                 $27,447        $1,742                   2.41                     
  $ 30001 -  35000                 $32,455        $1,948                   2.89                     
  $ 35001 -  40000                 $37,513        $2,271                   3.24                     
  $ 40001 -  45000                 $42,527        $2,686                   3.50                     
  $ 45001 -  50000                 $47,427        $3,158                   3.63                     
  $ 50001 -  75000                 $61,128        $4,896                   3.81                     
  $ 75001 - 100000                 $85,092        $9,275                   3.83                     
  $100001 - 250000                $132,063       $21,421                   3.67                     
  OVER $250,000                   $455,835      $121,695                   3.75                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $40,144        $3,716                   2.54                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 1998 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                                                                       
                                   ROOSEVELT UT                                                     
                        _________________________________________________                           
  UNDER $1               33      $-888,200            $0      0.00          64                      
  $     1  -  5000      460     $1,187,709        $6,132      0.52         376                      
  $  5001 -  10000      387     $2,835,649       $50,893      1.79         534                      
  $ 10001 -  15000      258     $3,201,177       $94,275      2.95         569                      
  $ 15001 -  20000      242     $4,215,842      $176,144      4.18         550                      
  $ 20001 -  25000      212     $4,762,317      $203,787      4.28         613                      
  $ 25001 -  30000      210     $5,749,173      $287,352      5.00         680                      
  $ 30001 -  35000      180     $5,847,871      $351,781      6.02         593                      
  $ 35001 -  40000      165     $6,153,738      $402,451      6.54         574                      
  $ 40001 -  45000      144     $6,056,300      $445,706      7.36         508                      
  $ 45001 -  50000      117     $5,563,908      $400,484      7.20