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