TABLE OF CONTENTS (TOC)
CITY

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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

                    ______________________________________________________________
  TOTAL               1954     $40,835,974    $2,874,505      7.04         4835
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        5.1             0.6           0.2                    0.6
  $  5001 -  10000    12.1             4.8           2.5                    5.1
  $ 10001 -  15000    24.2            14.3          11.9                   14.0
  $ 15001 -  20000    18.9            15.7          10.0                   20.5
  $ 20001 -  25000    11.7            12.5           8.0                   17.1
  $ 25001 -  30000     8.8            11.4           9.8                   12.8
  $ 30001 -  35000     5.7             8.9           9.0                    8.8
  $ 35001 -  40000     4.1             7.4           8.4                    6.6
  $ 40001 -  45000     3.4             6.9           8.7                    5.3
  $ 45001 -  50000     2.0             4.5           6.2                    3.0
  $ 50001 -  75000     3.3             9.5          15.7                    5.1
  OVER $ 75,000        0.7             3.5           9.6                    1.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,446           $49                   0.31
  $  5001 -  10000                  $8,275          $306                   1.06
  $ 10001 -  15000                 $12,307          $724                   1.43
  $ 15001 -  20000                 $17,351          $781                   2.69
  $ 20001 -  25000                 $22,414        $1,009                   3.64
  $ 25001 -  30000                 $27,275        $1,651                   3.63
  $ 30001 -  35000                 $32,311        $2,318                   3.79
  $ 35001 -  40000                 $37,365        $2,993                   3.93
  $ 40001 -  45000                 $42,466        $3,774                   3.85
  $ 45001 -  50000                 $47,520        $4,544                   3.69
  $ 50001 -  75000                 $59,860        $6,945                   3.82
  OVER $ 75,000                   $103,446       $19,626                   3.36

                    ______________________________________________________________
  TOTAL                            $20,899        $1,471                   2.47
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      HOLLADAY UT
                        _________________________________________________
  UNDER $ 5,000        185        $411,429       $31,595      7.68          103
  $  5001 -  10000     192      $1,430,701       $39,383      2.75          228
  $ 10001 -  15000     193      $2,388,622      $129,409      5.42          288
  $ 15001 -  20000     193      $3,340,688      $250,839      7.51          302
  $ 20001 -  25000     127      $2,831,380      $225,437      7.96          248
  $ 25001 -  30000      94      $2,576,740      $222,908      8.65          184
  $ 30001 -  35000      79      $2,556,253      $244,739      9.57          177
  $ 35001 -  40000      90      $3,329,228      $335,457     10.08          219
  $ 40001 -  45000      70      $2,970,903      $317,563     10.69          165
  $ 45001 -  50000      52      $2,463,592      $257,309     10.44          150
  $ 50001 -  75000     120      $7,311,847      $879,575     12.03          356
  $ 75001 - 100000      55      $4,732,644      $695,675     14.70          173
  $100001 - 250000      44      $6,572,676    $1,226,340     18.66          186
  OVER $250,000         12      $6,708,620    $2,124,460     31.67           38

                    ______________________________________________________________
  TOTAL               1506     $49,625,323    $6,980,689     14.07         2817
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       12.3             0.8           0.5                    3.7
  $  5001 -  10000    12.7             2.9           0.6                    8.1
  $ 10001 -  15000    12.8             4.8           1.9                   10.2
  $ 15001 -  20000    12.8             6.7           3.6                   10.7
  $ 20001 -  25000     8.4             5.7           3.2                    8.8
  $ 25001 -  30000     6.2             5.2           3.2                    6.5
  $ 30001 -  35000     5.2             5.2           3.5                    6.3
  $ 35001 -  40000     6.0             6.7           4.8                    7.8
  $ 40001 -  45000     4.6             6.0           4.5                    5.9
  $ 45001 -  50000     3.5             5.0           3.7                    5.3
  $ 50001 -  75000     8.0            14.7          12.6                   12.6
  $ 75001 - 100000     3.7             9.5          10.0                    6.1
  $100001 - 250000     2.9            13.2          17.6                    6.6
  OVER $250,000        0.8            13.5          30.4                    1.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,224          $171                   0.56
  $  5001 -  10000                  $7,452          $205                   1.19
  $ 10001 -  15000                 $12,376          $671                   1.49
  $ 15001 -  20000                 $17,309        $1,300                   1.56
  $ 20001 -  25000                 $22,294        $1,775                   1.95
  $ 25001 -  30000                 $27,412        $2,371                   1.96
  $ 30001 -  35000                 $32,358        $3,098                   2.24
  $ 35001 -  40000                 $36,991        $3,727                   2.43
  $ 40001 -  45000                 $42,441        $4,537                   2.36
  $ 45001 -  50000                 $47,377        $4,948                   2.88
  $ 50001 -  75000                 $60,932        $7,330                   2.97
  $ 75001 - 100000                 $86,048       $12,649                   3.15
  $100001 - 250000                $149,379       $27,871                   4.23
  OVER $250,000                   $559,052      $177,038                   3.17

                    ______________________________________________________________
  TOTAL                            $32,952        $4,635                   1.87
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      HOOPER UT
                        _________________________________________________
  UNDER $1              15       $-141,107             .       .             35
  $     1  -  5000     311        $759,063       $13,445      1.77           87
  $  5001 -  10000     183      $1,396,031       $56,927      4.08          134
  $ 10001 -  15000     150      $1,865,474      $103,109      5.53          213
  $ 15001 -  20000     156      $2,733,392      $178,117      6.52          282
  $ 20001 -  25000     127      $2,869,653      $209,077      7.29          280
  $ 25001 -  30000     104      $2,861,659      $224,305      7.84          269
  $ 30001 -  35000     125      $4,093,242      $324,808      7.94          376
  $ 35001 -  40000     113      $4,239,562      $355,589      8.39          400
  $ 40001 -  45000     134      $5,718,857      $508,830      8.90          450
  $ 45001 -  50000     122      $5,812,104      $493,595      8.49          454
  $ 50001 -  75000     416     $24,921,787    $2,555,527     10.25         1586
  $ 75001 - 100000      97      $8,142,455    $1,161,310     14.26          316
  OVER $100,000         40      $5,773,496    $1,080,239     18.71          170

                    ______________________________________________________________
  TOTAL               2093     $71,045,668    $7,264,878     10.23         5052
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.2            .                     0.7
  $     1  -  5000    14.9             1.1           0.2                    1.7
  $  5001 -  10000     8.7             2.0           0.8                    2.7
  $ 10001 -  15000     7.2             2.6           1.4                    4.2
  $ 15001 -  20000     7.5             3.8           2.5                    5.6
  $ 20001 -  25000     6.1             4.0           2.9                    5.5
  $ 25001 -  30000     5.0             4.0           3.1                    5.3
  $ 30001 -  35000     6.0             5.8           4.5                    7.4
  $ 35001 -  40000     5.4             6.0           4.9                    7.9
  $ 40001 -  45000     6.4             8.0           7.0                    8.9
  $ 45001 -  50000     5.8             8.2           6.8                    9.0
  $ 50001 -  75000    19.9            35.1          35.2                   31.4
  $ 75001 - 100000     4.6            11.5          16.0                    6.3
  OVER $100,000        1.9             8.1          14.9                    3.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-9,407             .                   2.33
  $     1  -  5000                  $2,441           $43                   0.28
  $  5001 -  10000                  $7,629          $311                   0.73
  $ 10001 -  15000                 $12,436          $687                   1.42
  $ 15001 -  20000                 $17,522        $1,142                   1.81
  $ 20001 -  25000                 $22,596        $1,646                   2.20
  $ 25001 -  30000                 $27,516        $2,157                   2.59
  $ 30001 -  35000                 $32,746        $2,598                   3.01
  $ 35001 -  40000                 $37,518        $3,147                   3.54
  $ 40001 -  45000                 $42,678        $3,797                   3.36
  $ 45001 -  50000                 $47,640        $4,046                   3.72
  $ 50001 -  75000                 $59,908        $6,143                   3.81
  $ 75001 - 100000                 $83,943       $11,972                   3.26
  OVER $100,000                   $144,337       $27,006                   4.25

                    ______________________________________________________________
  TOTAL                            $33,944        $3,471                   2.41
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      HUNTINGTON UT
                        _________________________________________________
  UNDER $ 5,000        133        $344,839        $2,192      0.64           98
  $  5001 -  10000     102        $768,649       $10,602      1.38          193
  $ 10001 -  15000      81      $1,044,583       $28,582      2.74          191
  $ 15001 -  20000      79      $1,402,572       $55,165      3.93          237
  $ 20001 -  25000      54      $1,209,653       $61,103      5.05          192
  $ 25001 -  30000      47      $1,287,642       $91,324      7.09          151
  $ 30001 -  35000      39      $1,252,896       $89,970      7.18          153
  $ 35001 -  40000      45      $1,687,493      $129,495      7.67          175
  $ 40001 -  45000      58      $2,472,162      $234,741      9.50          210
  $ 45001 -  50000      41      $1,940,173      $182,242      9.39          152
  $ 50001 -  75000     133      $7,918,841      $890,806     11.25          510
  $ 75001 - 250000      26      $2,650,967      $437,668     16.51          109

                    ______________________________________________________________
  TOTAL                838     $23,980,470    $2,213,890      9.23         2371
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       15.9             1.4           0.1                    4.1
  $  5001 -  10000    12.2             3.2           0.5                    8.1
  $ 10001 -  15000     9.7             4.4           1.3                    8.1
  $ 15001 -  20000     9.4             5.8           2.5                   10.0
  $ 20001 -  25000     6.4             5.0           2.8                    8.1
  $ 25001 -  30000     5.6             5.4           4.1                    6.4
  $ 30001 -  35000     4.7             5.2           4.1                    6.5
  $ 35001 -  40000     5.4             7.0           5.8                    7.4
  $ 40001 -  45000     6.9            10.3          10.6                    8.9
  $ 45001 -  50000     4.9             8.1           8.2                    6.4
  $ 50001 -  75000    15.9            33.0          40.2                   21.5
  $ 75001 - 250000     3.1            11.1          19.8                    4.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,593           $16                   0.74
  $  5001 -  10000                  $7,536          $104                   1.89
  $ 10001 -  15000                 $12,896          $353                   2.36
  $ 15001 -  20000                 $17,754          $698                   3.00
  $ 20001 -  25000                 $22,401        $1,132                   3.56
  $ 25001 -  30000                 $27,397        $1,943                   3.21
  $ 30001 -  35000                 $32,126        $2,307                   3.92
  $ 35001 -  40000                 $37,500        $2,878                   3.89
  $ 40001 -  45000                 $42,623        $4,047                   3.62
  $ 45001 -  50000                 $47,321        $4,445                   3.71
  $ 50001 -  75000                 $59,540        $6,698                   3.83
  $ 75001 - 250000                $101,960       $16,833                   4.19

                    ______________________________________________________________
  TOTAL                            $28,616        $2,642                   2.83
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      HURRICANE UT
                        _________________________________________________
  UNDER $1              30       $-779,558        $1,731     -0.22           63
  $     1  -  5000     347        $909,494        $5,299      0.58          230
  $  5001 -  10000     337      $2,488,367       $56,959      2.29          464
  $ 10001 -  15000     284      $3,537,578      $120,253      3.40          565
  $ 15001 -  20000     258      $4,485,770      $222,140      4.95          596
  $ 20001 -  25000     225      $5,011,687      $308,753      6.16          584
  $ 25001 -  30000     179      $4,934,607      $305,571      6.19          606
  $ 30001 -  35000     147      $4,765,025      $355,041      7.45          497
  $ 35001 -  40000     140      $5,228,962      $395,278      7.56          522
  $ 40001 -  45000      90      $3,838,395      $322,130      8.39          326
  $ 45001 -  50000      67      $3,186,479      $285,187      8.95          247
  $ 50001 -  75000     206     $12,109,064    $1,198,448      9.90          806
  $ 75001 - 100000      53      $4,478,403      $593,532     13.25          196
  OVER $100,000         21      $4,521,774    $1,044,936     23.11           69

                    ______________________________________________________________
  TOTAL               2384     $58,716,047    $5,215,258      8.88         5771
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.3            -1.3           0.0                    1.1
  $     1  -  5000    14.6             1.5           0.1                    4.0
  $  5001 -  10000    14.1             4.2           1.1                    8.0
  $ 10001 -  15000    11.9             6.0           2.3                    9.8
  $ 15001 -  20000    10.8             7.6           4.3                   10.3
  $ 20001 -  25000     9.4             8.5           5.9                   10.1
  $ 25001 -  30000     7.5             8.4           5.9                   10.5
  $ 30001 -  35000     6.2             8.1           6.8                    8.6
  $ 35001 -  40000     5.9             8.9           7.6                    9.0
  $ 40001 -  45000     3.8             6.5           6.2                    5.6
  $ 45001 -  50000     2.8             5.4           5.5                    4.3
  $ 50001 -  75000     8.6            20.6          23.0                   14.0
  $ 75001 - 100000     2.2             7.6          11.4                    3.4
  OVER $100,000        0.9             7.7          20.0                    1.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-25,985           $58                   2.10
  $     1  -  5000                  $2,621           $15                   0.66
  $  5001 -  10000                  $7,384          $169                   1.38
  $ 10001 -  15000                 $12,456          $423                   1.99
  $ 15001 -  20000                 $17,387          $861                   2.31
  $ 20001 -  25000                 $22,274        $1,372                   2.60
  $ 25001 -  30000                 $27,568        $1,707                   3.39
  $ 30001 -  35000                 $32,415        $2,415                   3.38
  $ 35001 -  40000                 $37,350        $2,823                   3.73
  $ 40001 -  45000                 $42,649        $3,579                   3.62
  $ 45001 -  50000                 $47,559        $4,257                   3.69
  $ 50001 -  75000                 $58,782        $5,818                   3.91
  $ 75001 - 100000                 $84,498       $11,199                   3.70
  OVER $100,000                   $215,323       $49,759                   3.29

                    ______________________________________________________________
  TOTAL                            $24,629        $2,188                   2.42
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      HYDE PARK UT
                        _________________________________________________
  UNDER $ 5,000        177        $349,356        $2,908      0.83           67
  $  5001 -  10000     118        $860,386       $32,993      3.83           90
  $ 10001 -  15000      82      $1,007,390       $48,248      4.79          128
  $ 15001 -  20000      51        $882,210       $50,415      5.71          101
  $ 20001 -  25000      45      $1,007,344       $61,311      6.09          115
  $ 25001 -  30000      53      $1,453,501       $94,705      6.52          177
  $ 30001 -  35000      49      $1,608,192      $104,726      6.51          186
  $ 35001 -  40000      53      $1,977,576      $132,546      6.70          230
  $ 40001 -  45000      52      $2,196,409      $165,884      7.55          209
  $ 45001 -  50000      61      $2,874,544      $216,426      7.53          280
  $ 50001 -  75000     175     $10,677,494    $1,023,347      9.58          753
  $ 75001 - 100000      35      $2,975,023      $374,999     12.60          152
  OVER $100,000         24      $3,852,020      $750,686     19.49          113

                    ______________________________________________________________
  TOTAL                975     $31,721,445    $3,059,194      9.64         2601
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       18.2             1.1           0.1                    2.6
  $  5001 -  10000    12.1             2.7           1.1                    3.5
  $ 10001 -  15000     8.4             3.2           1.6                    4.9
  $ 15001 -  20000     5.2             2.8           1.6                    3.9
  $ 20001 -  25000     4.6             3.2           2.0                    4.4
  $ 25001 -  30000     5.4             4.6           3.1                    6.8
  $ 30001 -  35000     5.0             5.1           3.4                    7.2
  $ 35001 -  40000     5.4             6.2           4.3                    8.8
  $ 40001 -  45000     5.3             6.9           5.4                    8.0
  $ 45001 -  50000     6.3             9.1           7.1                   10.8
  $ 50001 -  75000    17.9            33.7          33.5                   29.0
  $ 75001 - 100000     3.6             9.4          12.3                    5.8
  OVER $100,000        2.5            12.1          24.5                    4.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,974           $16                   0.38
  $  5001 -  10000                  $7,291          $280                   0.76
  $ 10001 -  15000                 $12,285          $588                   1.56
  $ 15001 -  20000                 $17,298          $989                   1.98
  $ 20001 -  25000                 $22,385        $1,362                   2.56
  $ 25001 -  30000                 $27,425        $1,787                   3.34
  $ 30001 -  35000                 $32,820        $2,137                   3.80
  $ 35001 -  40000                 $37,313        $2,501                   4.34
  $ 40001 -  45000                 $42,239        $3,190                   4.02
  $ 45001 -  50000                 $47,124        $3,548                   4.59
  $ 50001 -  75000                 $61,014        $5,848                   4.30
  $ 75001 - 100000                 $85,001       $10,714                   4.34
  OVER $100,000                   $160,501       $31,279                   4.71

                    ______________________________________________________________
  TOTAL                            $32,535        $3,138                   2.67
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      HYRUM UT
                        _________________________________________________
  UNDER $1              10       $-182,913             .       .             21
  $     1  -  5000     300        $800,909        $6,577      0.82          121
  $  5001 -  10000     248      $1,832,620       $45,723      2.49          358
  $ 10001 -  15000     203      $2,553,770      $107,242      4.20          410
  $ 15001 -  20000     180      $3,132,746      $149,594      4.78          459
  $ 20001 -  25000     172      $3,863,326      $228,300      5.91          510
  $ 25001 -  30000     126      $3,454,614      $225,836      6.54          436
  $ 30001 -  35000     164      $5,307,197      $387,013      7.29          601
  $ 35001 -  40000     129      $4,829,734      $362,109      7.50          511
  $ 40001 -  45000      89      $3,778,012      $310,328      8.21          346
  $ 45001 -  50000      88      $4,176,675      $360,448      8.63          380
  $ 50001 -  75000     233     $13,927,541    $1,421,608     10.21          973
  $ 75001 - 100000      42      $3,490,853      $473,897     13.58          157
  OVER $100,000         25      $4,432,971      $744,178     16.79          102

                    ______________________________________________________________
  TOTAL               2009     $55,398,055    $4,822,853      8.71         5385
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.3            .                     0.4
  $     1  -  5000    14.9             1.4           0.1                    2.2
  $  5001 -  10000    12.3             3.3           0.9                    6.6
  $ 10001 -  15000    10.1             4.6           2.2                    7.6
  $ 15001 -  20000     9.0             5.7           3.1                    8.5
  $ 20001 -  25000     8.6             7.0           4.7                    9.5
  $ 25001 -  30000     6.3             6.2           4.7                    8.1
  $ 30001 -  35000     8.2             9.6           8.0                   11.2
  $ 35001 -  40000     6.4             8.7           7.5                    9.5
  $ 40001 -  45000     4.4             6.8           6.4                    6.4
  $ 45001 -  50000     4.4             7.5           7.5                    7.1
  $ 50001 -  75000    11.6            25.1          29.5                   18.1
  $ 75001 - 100000     2.1             6.3           9.8                    2.9
  OVER $100,000        1.2             8.0          15.4                    1.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-18,291             .                   2.10
  $     1  -  5000                  $2,670           $22                   0.40
  $  5001 -  10000                  $7,390          $184                   1.44
  $ 10001 -  15000                 $12,580          $528                   2.02
  $ 15001 -  20000                 $17,404          $831                   2.55
  $ 20001 -  25000                 $22,461        $1,327                   2.97
  $ 25001 -  30000                 $27,418        $1,792                   3.46
  $ 30001 -  35000                 $32,361        $2,360                   3.66
  $ 35001 -  40000                 $37,440        $2,807                   3.96
  $ 40001 -  45000                 $42,450        $3,487                   3.89
  $ 45001 -  50000                 $47,462        $4,096                   4.32
  $ 50001 -  75000                 $59,775        $6,101                   4.18
  $ 75001 - 100000                 $83,116       $11,283                   3.74
  OVER $100,000                   $177,319       $29,767                   4.08

                    ______________________________________________________________
  TOTAL                            $27,575        $2,401                   2.68
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      IVINS UT
                        _________________________________________________
  UNDER $ 5,000         97        $237,453        $1,006      0.42           59
  $  5001 -  10000      95        $726,287       $16,075      2.21          148
  $ 10001 -  15000      68        $865,862       $33,442      3.86          128
  $ 15001 -  20000      95      $1,664,899       $71,932      4.32          232
  $ 20001 -  25000      89      $1,984,525      $115,371      5.81          251
  $ 25001 -  30000      65      $1,762,833      $119,651      6.79          187
  $ 30001 -  35000      66      $2,138,060      $158,943      7.43          219
  $ 35001 -  40000      62      $2,308,368      $185,052      8.02          224
  $ 40001 -  45000      50      $2,136,182      $189,619      8.88          158
  $ 45001 -  50000      42      $1,990,467      $178,932      8.99          131
  $ 50001 -  75000      74      $4,483,439      $473,051     10.55          266
  $ 75001 - 100000      15      $1,213,369      $145,363     11.98           52
  OVER $100,000         11      $1,752,214      $377,859     21.56           36

                    ______________________________________________________________
  TOTAL                829     $23,263,958    $2,066,296      8.88         2091
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       11.7             1.0           0.0                    2.8
  $  5001 -  10000    11.5             3.1           0.8                    7.1
  $ 10001 -  15000     8.2             3.7           1.6                    6.1
  $ 15001 -  20000    11.5             7.2           3.5                   11.1
  $ 20001 -  25000    10.7             8.5           5.6                   12.0
  $ 25001 -  30000     7.8             7.6           5.8                    8.9
  $ 30001 -  35000     8.0             9.2           7.7                   10.5
  $ 35001 -  40000     7.5             9.9           9.0                   10.7
  $ 40001 -  45000     6.0             9.2           9.2                    7.6
  $ 45001 -  50000     5.1             8.6           8.7                    6.3
  $ 50001 -  75000     8.9            19.3          22.9                   12.7
  $ 75001 - 100000     1.8             5.2           7.0                    2.5
  OVER $100,000        1.3             7.5          18.3                    1.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,448           $10                   0.61
  $  5001 -  10000                  $7,645          $169                   1.56
  $ 10001 -  15000                 $12,733          $492                   1.88
  $ 15001 -  20000                 $17,525          $757                   2.44
  $ 20001 -  25000                 $22,298        $1,296                   2.82
  $ 25001 -  30000                 $27,121        $1,841                   2.88
  $ 30001 -  35000                 $32,395        $2,408                   3.32
  $ 35001 -  40000                 $37,232        $2,985                   3.61
  $ 40001 -  45000                 $42,724        $3,792                   3.16
  $ 45001 -  50000                 $47,392        $4,260                   3.12
  $ 50001 -  75000                 $60,587        $6,393                   3.59
  $ 75001 - 100000                 $80,891        $9,691                   3.47
  OVER $100,000                   $159,292       $34,351                   3.27

                    ______________________________________________________________
  TOTAL                            $28,063        $2,493                   2.52
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      KAMAS UT
                        _________________________________________________
  UNDER $ 5,000        163        $312,731        $3,910      1.25          129
  $  5001 -  10000     141      $1,048,051       $34,376      3.28          162
  $ 10001 -  15000     101      $1,247,985       $56,870      4.56          168
  $ 15001 -  20000     110      $1,922,293      $110,327      5.74          237
  $ 20001 -  25000      83      $1,847,805      $115,934      6.27          216
  $ 25001 -  30000      58      $1,601,088      $128,526      8.03          149
  $ 30001 -  35000      76      $2,471,233      $181,207      7.33          276
  $ 35001 -  40000      57      $2,134,144      $186,343      8.73          172
  $ 40001 -  45000      39      $1,663,675      $138,086      8.30          145
  $ 45001 -  50000      49      $2,313,173      $214,693      9.28          188
  $ 50001 -  75000      95      $5,592,115      $599,340     10.72          343
  $ 75001 - 100000      18      $1,509,397      $197,432     13.08           64
  OVER $100,000         15      $2,150,226      $388,515     18.07           61

                    ______________________________________________________________
  TOTAL               1005     $25,813,916    $2,355,559      9.13         2310
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       16.2             1.2           0.2                    5.6
  $  5001 -  10000    14.0             4.1           1.5                    7.0
  $ 10001 -  15000    10.0             4.8           2.4                    7.3
  $ 15001 -  20000    10.9             7.4           4.7                   10.3
  $ 20001 -  25000     8.3             7.2           4.9                    9.4
  $ 25001 -  30000     5.8             6.2           5.5                    6.5
  $ 30001 -  35000     7.6             9.6           7.7                   11.9
  $ 35001 -  40000     5.7             8.3           7.9                    7.4
  $ 40001 -  45000     3.9             6.4           5.9                    6.3
  $ 45001 -  50000     4.9             9.0           9.1                    8.1
  $ 50001 -  75000     9.5            21.7          25.4                   14.8
  $ 75001 - 100000     1.8             5.8           8.4                    2.8
  OVER $100,000        1.5             8.3          16.5                    2.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,919           $24                   0.79
  $  5001 -  10000                  $7,433          $244                   1.15
  $ 10001 -  15000                 $12,356          $563                   1.66
  $ 15001 -  20000                 $17,475        $1,003                   2.15
  $ 20001 -  25000                 $22,263        $1,397                   2.60
  $ 25001 -  30000                 $27,605        $2,216                   2.57
  $ 30001 -  35000                 $32,516        $2,384                   3.63
  $ 35001 -  40000                 $37,441        $3,269                   3.02
  $ 40001 -  45000                 $42,658        $3,541                   3.72
  $ 45001 -  50000                 $47,208        $4,381                   3.84
  $ 50001 -  75000                 $58,864        $6,309                   3.61
  $ 75001 - 100000                 $83,855       $10,968                   3.56
  OVER $100,000                   $143,348       $25,901                   4.07

                    ______________________________________________________________
  TOTAL                            $25,685        $2,344                   2.30
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      KANARRAVILLE UT
                        _________________________________________________
  UNDER $1              28       $-766,967          $267     -0.03           61
  $     1  -  5000     366        $955,636        $5,884      0.62          210
  $  5001 -  10000     222      $1,613,285       $38,845      2.41          286
  $ 10001 -  15000     196      $2,428,481       $90,161      3.71          358
  $ 15001 -  20000     167      $2,903,762      $138,632      4.77          396
  $ 20001 -  25000     120      $2,704,641      $172,452      6.38          321
  $ 25001 -  30000      94      $2,549,921      $178,852      7.01          261
  $ 30001 -  35000      97      $3,157,568      $252,339      7.99          296
  $ 35001 -  40000      75      $2,797,643      $231,020      8.26          255
  $ 40001 -  45000      75      $3,187,980      $289,971      9.10          250
  $ 45001 -  50000      49      $2,323,884      $217,632      9.37          180
  $ 50001 -  75000     125      $7,469,354      $793,931     10.63          471
  $ 75001 - 100000      31      $2,581,269      $372,099     14.42          115
  OVER $100,000         25      $4,924,748    $1,235,376     25.09           86

                    ______________________________________________________________
  TOTAL               1670     $38,831,205    $4,017,461     10.35         3546
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.7            -2.0           0.0                    1.7
  $     1  -  5000    21.9             2.5           0.1                    5.9
  $  5001 -  10000    13.3             4.2           1.0                    8.1
  $ 10001 -  15000    11.7             6.3           2.2                   10.1
  $ 15001 -  20000    10.0             7.5           3.5                   11.2
  $ 20001 -  25000     7.2             7.0           4.3                    9.1
  $ 25001 -  30000     5.6             6.6           4.5                    7.4
  $ 30001 -  35000     5.8             8.1           6.3                    8.3
  $ 35001 -  40000     4.5             7.2           5.8                    7.2
  $ 40001 -  45000     4.5             8.2           7.2                    7.1
  $ 45001 -  50000     2.9             6.0           5.4                    5.1
  $ 50001 -  75000     7.5            19.2          19.8                   13.3
  $ 75001 - 100000     1.9             6.6           9.3                    3.2
  OVER $100,000        1.5            12.7          30.8                    2.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-27,392           $10                   2.18
  $     1  -  5000                  $2,611           $16                   0.57
  $  5001 -  10000                  $7,267          $175                   1.29
  $ 10001 -  15000                 $12,390          $460                   1.83
  $ 15001 -  20000                 $17,388          $830                   2.37
  $ 20001 -  25000                 $22,539        $1,437                   2.68
  $ 25001 -  30000                 $27,127        $1,903                   2.78
  $ 30001 -  35000                 $32,552        $2,601                   3.05
  $ 35001 -  40000                 $37,302        $3,080                   3.40
  $ 40001 -  45000                 $42,506        $3,866                   3.33
  $ 45001 -  50000                 $47,426        $4,441                   3.67
  $ 50001 -  75000                 $59,755        $6,351                   3.77
  $ 75001 - 100000                 $83,267       $12,003                   3.71
  OVER $100,000                   $196,990       $49,415                   3.44

                    ______________________________________________________________
  TOTAL                            $23,252        $2,406                   2.12
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      KAYSVILLE UT
                        _________________________________________________
  UNDER $1              24       $-287,384        $2,128     -0.74           51
  $     1  -  5000    1171      $2,963,711       $30,514      1.03          307
  $  5001 -  10000     721      $5,202,008      $201,270      3.87          544
  $ 10001 -  15000     556      $6,915,517      $355,457      5.14          838
  $ 15001 -  20000     442      $7,728,081      $485,075      6.28          847
  $ 20001 -  25000     372      $8,333,740      $557,280      6.69          863
  $ 25001 -  30000     341      $9,384,236      $703,469      7.50          900
  $ 30001 -  35000     390     $12,660,127      $951,937      7.52         1211
  $ 35001 -  40000     384     $14,400,687    $1,139,356      7.91         1330
  $ 40001 -  45000     350     $14,878,293    $1,172,526      7.88         1340
  $ 45001 -  50000     384     $18,249,626    $1,460,197      8.00         1545
  $ 50001 -  75000    1324     $80,565,914    $7,640,869      9.48         5461
  $ 75001 - 100000     446     $37,920,017    $4,779,337     12.60         1810
  $100001 - 250000     255     $34,064,424    $5,630,149     16.53         1158
  OVER $250,000         29     $16,779,681    $5,111,760     30.46          130

                    ______________________________________________________________
  TOTAL               7189    $269,758,678   $30,221,324     11.20        18335
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.3            -0.1           0.0                    0.3
  $     1  -  5000    16.3             1.1           0.1                    1.7
  $  5001 -  10000    10.0             1.9           0.7                    3.0
  $ 10001 -  15000     7.7             2.6           1.2                    4.6
  $ 15001 -  20000     6.1             2.9           1.6                    4.6
  $ 20001 -  25000     5.2             3.1           1.8                    4.7
  $ 25001 -  30000     4.7             3.5           2.3                    4.9
  $ 30001 -  35000     5.4             4.7           3.1                    6.6
  $ 35001 -  40000     5.3             5.3           3.8                    7.3
  $ 40001 -  45000     4.9             5.5           3.9                    7.3
  $ 45001 -  50000     5.3             6.8           4.8                    8.4
  $ 50001 -  75000    18.4            29.9          25.3                   29.8
  $ 75001 - 100000     6.2            14.1          15.8                    9.9
  $100001 - 250000     3.5            12.6          18.6                    6.3
  OVER $250,000        0.4             6.2          16.9                    0.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-11,974           $89                   2.13
  $     1  -  5000                  $2,531           $26                   0.26
  $  5001 -  10000                  $7,215          $279                   0.75
  $ 10001 -  15000                 $12,438          $639                   1.51
  $ 15001 -  20000                 $17,484        $1,097                   1.92
  $ 20001 -  25000                 $22,403        $1,498                   2.32
  $ 25001 -  30000                 $27,520        $2,063                   2.64
  $ 30001 -  35000                 $32,462        $2,441                   3.11
  $ 35001 -  40000                 $37,502        $2,967                   3.46
  $ 40001 -  45000                 $42,509        $3,350                   3.83
  $ 45001 -  50000                 $47,525        $3,803                   4.02
  $ 50001 -  75000                 $60,850        $5,771                   4.12
  $ 75001 - 100000                 $85,022       $10,716                   4.06
  $100001 - 250000                $133,586       $22,079                   4.54
  OVER $250,000                   $578,610      $176,268                   4.48

                    ______________________________________________________________
  TOTAL                            $37,524        $4,204                   2.55
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      KEARNS UT
                        _________________________________________________
  UNDER $1              21       $-104,946        $1,016     -0.97           49
  $     1  -  5000    1399      $3,729,823       $16,988      0.46          883
  $  5001 -  10000    1289      $9,702,733      $253,672      2.61         1733
  $ 10001 -  15000    1362     $17,071,541      $763,011      4.47         2466
  $ 15001 -  20000    1298     $22,664,097    $1,282,716      5.66         2882
  $ 20001 -  25000    1032     $23,183,325    $1,588,826      6.85         2528
  $ 25001 -  30000     912     $24,934,706    $1,741,279      6.98         2773
  $ 30001 -  35000     815     $26,492,871    $2,017,629      7.62         2708
  $ 35001 -  40000     764     $28,616,677    $2,392,316      8.36         2656
  $ 40001 -  45000     656     $27,828,450    $2,387,765      8.58         2479
  $ 45001 -  50000     479     $22,749,495    $2,072,345      9.11         1746
  $ 50001 -  75000     921     $53,972,792    $5,701,223     10.56         3472
  $ 75001 - 100000      95      $7,944,641    $1,178,694     14.84          335
  OVER $100,000         23      $3,380,922      $700,975     20.73           83

                    ______________________________________________________________
  TOTAL              11066    $272,167,127   $22,098,455      8.12        26793
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.2            -0.0           0.0                    0.2
  $     1  -  5000    12.6             1.4           0.1                    3.3
  $  5001 -  10000    11.6             3.6           1.1                    6.5
  $ 10001 -  15000    12.3             6.3           3.5                    9.2
  $ 15001 -  20000    11.7             8.3           5.8                   10.8
  $ 20001 -  25000     9.3             8.5           7.2                    9.4
  $ 25001 -  30000     8.2             9.2           7.9                   10.3
  $ 30001 -  35000     7.4             9.7           9.1                   10.1
  $ 35001 -  40000     6.9            10.5          10.8                    9.9
  $ 40001 -  45000     5.9            10.2          10.8                    9.3
  $ 45001 -  50000     4.3             8.4           9.4                    6.5
  $ 50001 -  75000     8.3            19.8          25.8                   13.0
  $ 75001 - 100000     0.9             2.9           5.3                    1.3
  OVER $100,000        0.2             1.2           3.2                    0.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-4,997           $48                   2.33
  $     1  -  5000                  $2,666           $12                   0.63
  $  5001 -  10000                  $7,527          $197                   1.34
  $ 10001 -  15000                 $12,534          $560                   1.81
  $ 15001 -  20000                 $17,461          $988                   2.22
  $ 20001 -  25000                 $22,464        $1,540                   2.45
  $ 25001 -  30000                 $27,341        $1,909                   3.04
  $ 30001 -  35000                 $32,507        $2,476                   3.32
  $ 35001 -  40000                 $37,456        $3,131                   3.48
  $ 40001 -  45000                 $42,421        $3,640                   3.78
  $ 45001 -  50000                 $47,494        $4,326                   3.65
  $ 50001 -  75000                 $58,602        $6,190                   3.77
  $ 75001 - 100000                 $83,628       $12,407                   3.53
  OVER $100,000                   $146,997       $30,477                   3.61

                    ______________________________________________________________
  TOTAL                            $24,595        $1,997                   2.42
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      LAVERKIN UT
                        _________________________________________________
  UNDER $ 5,000        159        $400,421        $3,127      0.78          158
  $  5001 -  10000     129        $965,999       $24,235      2.51          192
  $ 10001 -  15000     115      $1,414,630       $45,226      3.20          238
  $ 15001 -  20000     112      $1,955,707       $89,238      4.56          294
  $ 20001 -  25000      87      $1,939,538       $95,581      4.93          276
  $ 25001 -  30000      58      $1,583,868       $89,403      5.64          207
  $ 30001 -  35000      56      $1,812,064      $114,559      6.32          212
  $ 35001 -  40000      41      $1,536,444      $120,618      7.85          151
  $ 40001 -  45000      44      $1,872,489      $150,420      8.03          172
  $ 45001 -  50000      29      $1,377,931      $112,169      8.14          116
  $ 50001 -  75000      48      $2,862,669      $290,894     10.16          182
  OVER $ 75,000         20      $4,945,403    $1,311,286     26.52           82

                    ______________________________________________________________
  TOTAL                898     $22,667,163    $2,446,756     10.79         2280
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       17.7             1.8           0.1                    6.9
  $  5001 -  10000    14.4             4.3           1.0                    8.4
  $ 10001 -  15000    12.8             6.2           1.8                   10.4
  $ 15001 -  20000    12.5             8.6           3.6                   12.9
  $ 20001 -  25000     9.7             8.6           3.9                   12.1
  $ 25001 -  30000     6.5             7.0           3.7                    9.1
  $ 30001 -  35000     6.2             8.0           4.7                    9.3
  $ 35001 -  40000     4.6             6.8           4.9                    6.6
  $ 40001 -  45000     4.9             8.3           6.1                    7.5
  $ 45001 -  50000     3.2             6.1           4.6                    5.1
  $ 50001 -  75000     5.3            12.6          11.9                    8.0
  OVER $ 75,000        2.2            21.8          53.6                    3.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,518           $20                   0.99
  $  5001 -  10000                  $7,488          $188                   1.49
  $ 10001 -  15000                 $12,301          $393                   2.07
  $ 15001 -  20000                 $17,462          $797                   2.63
  $ 20001 -  25000                 $22,294        $1,099                   3.17
  $ 25001 -  30000                 $27,308        $1,541                   3.57
  $ 30001 -  35000                 $32,358        $2,046                   3.79
  $ 35001 -  40000                 $37,474        $2,942                   3.68
  $ 40001 -  45000                 $42,557        $3,419                   3.91
  $ 45001 -  50000                 $47,515        $3,868                   4.00
  $ 50001 -  75000                 $59,639        $6,060                   3.79
  OVER $ 75,000                   $247,270       $65,564                   4.10

                    ______________________________________________________________
  TOTAL                            $25,242        $2,725                   2.54
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      LAYTON UT
                        _________________________________________________
  UNDER $1              57     $-1,231,779        $3,249     -0.26          106
  $     1  -  5000    2790      $6,961,206       $57,039      0.82         1218
  $  5001 -  10000    2060     $15,235,544      $535,667      3.52         2057
  $ 10001 -  15000    1767     $22,136,960    $1,116,953      5.05         2772
  $ 15001 -  20000    1675     $29,311,076    $1,825,540      6.23         3273
  $ 20001 -  25000    1485     $33,334,051    $2,369,752      7.11         3359
  $ 25001 -  30000    1365     $37,490,211    $2,860,351      7.63         3564
  $ 30001 -  35000    1154     $37,446,849    $3,096,771      8.27         3281
  $ 35001 -  40000    1192     $44,620,465    $3,846,764      8.62         3713
  $ 40001 -  45000    1107     $46,963,332    $4,152,116      8.84         3719
  $ 45001 -  50000     958     $45,463,524    $4,263,949      9.38         3342
  $ 50001 -  75000    3220    $195,062,566   $20,264,871     10.39        11831
  $ 75001 - 100000     988     $83,994,617   $11,228,579     13.37         3603
  $100001 - 250000     498     $67,331,685   $11,878,919     17.64         1966
  OVER $250,000         62     $27,401,102    $7,715,039     28.16          277

                    ______________________________________________________________
  TOTAL              20378    $691,521,409   $75,215,559     10.88        48081
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.3            -0.2           0.0                    0.2
  $     1  -  5000    13.7             1.0           0.1                    2.5
  $  5001 -  10000    10.1             2.2           0.7                    4.3
  $ 10001 -  15000     8.7             3.2           1.5                    5.8
  $ 15001 -  20000     8.2             4.2           2.4                    6.8
  $ 20001 -  25000     7.3             4.8           3.2                    7.0
  $ 25001 -  30000     6.7             5.4           3.8                    7.4
  $ 30001 -  35000     5.7             5.4           4.1                    6.8
  $ 35001 -  40000     5.8             6.5           5.1                    7.7
  $ 40001 -  45000     5.4             6.8           5.5                    7.7
  $ 45001 -  50000     4.7             6.6           5.7                    7.0
  $ 50001 -  75000    15.8            28.2          26.9                   24.6
  $ 75001 - 100000     4.8            12.1          14.9                    7.5
  $100001 - 250000     2.4             9.7          15.8                    4.1
  OVER $250,000        0.3             4.0          10.3                    0.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-21,610           $57                   1.86
  $     1  -  5000                  $2,495           $20                   0.44
  $  5001 -  10000                  $7,396          $260                   1.00
  $ 10001 -  15000                 $12,528          $632                   1.57
  $ 15001 -  20000                 $17,499        $1,090                   1.95
  $ 20001 -  25000                 $22,447        $1,596                   2.26
  $ 25001 -  30000                 $27,465        $2,095                   2.61
  $ 30001 -  35000                 $32,450        $2,684                   2.84
  $ 35001 -  40000                 $37,433        $3,227                   3.11
  $ 40001 -  45000                 $42,424        $3,751                   3.36
  $ 45001 -  50000                 $47,457        $4,451                   3.49
  $ 50001 -  75000                 $60,578        $6,293                   3.67
  $ 75001 - 100000                 $85,015       $11,365                   3.65
  $100001 - 250000                $135,204       $23,853                   3.95
  OVER $250,000                   $441,953      $124,436                   4.47

                    ______________________________________________________________
  TOTAL                            $33,935        $3,691                   2.36
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      LEHI UT
                        _________________________________________________
  UNDER $1              31       $-397,197        $4,050     -1.02           93
  $     1  -  5000     764      $1,961,493       $13,091      0.67          301
  $  5001 -  10000     525      $3,890,492      $125,218      3.22          563
  $ 10001 -  15000     461      $5,744,199      $255,364      4.45          802
  $ 15001 -  20000     399      $6,977,225      $403,037      5.78          847
  $ 20001 -  25000     369      $8,301,506      $505,049      6.08         1008
  $ 25001 -  30000     329      $9,049,969      $621,833      6.87         1007
  $ 30001 -  35000     392     $12,824,000      $916,810      7.15         1360
  $ 35001 -  40000     391     $14,619,556    $1,098,291      7.51         1457
  $ 40001 -  45000     329     $13,990,976    $1,154,169      8.25         1219
  $ 45001 -  50000     298     $14,155,161    $1,242,952      8.78         1114
  $ 50001 -  75000     778     $46,195,819    $4,449,630      9.63         3205
  $ 75001 - 100000     154     $12,738,851    $1,643,159     12.90          601
  $100001 - 250000      77     $10,727,442    $1,902,054     17.73          310
  OVER $250,000         18      $8,967,585    $2,449,484     27.31           71

                    ______________________________________________________________
  TOTAL               5315    $169,747,077   $16,784,191      9.89        13958
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.2           0.0                    0.7
  $     1  -  5000    14.4             1.2           0.1                    2.2
  $  5001 -  10000     9.9             2.3           0.7                    4.0
  $ 10001 -  15000     8.7             3.4           1.5                    5.7
  $ 15001 -  20000     7.5             4.1           2.4                    6.1
  $ 20001 -  25000     6.9             4.9           3.0                    7.2
  $ 25001 -  30000     6.2             5.3           3.7                    7.2
  $ 30001 -  35000     7.4             7.6           5.5                    9.7
  $ 35001 -  40000     7.4             8.6           6.5                   10.4
  $ 40001 -  45000     6.2             8.2           6.9                    8.7
  $ 45001 -  50000     5.6             8.3           7.4                    8.0
  $ 50001 -  75000    14.6            27.2          26.5                   23.0
  $ 75001 - 100000     2.9             7.5           9.8                    4.3
  $100001 - 250000     1.4             6.3          11.3                    2.2
  OVER $250,000        0.3             5.3          14.6                    0.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-12,813          $131                   3.00
  $     1  -  5000                  $2,567           $17                   0.39
  $  5001 -  10000                  $7,410          $239                   1.07
  $ 10001 -  15000                 $12,460          $554                   1.74
  $ 15001 -  20000                 $17,487        $1,010                   2.12
  $ 20001 -  25000                 $22,497        $1,369                   2.73
  $ 25001 -  30000                 $27,508        $1,890                   3.06
  $ 30001 -  35000                 $32,714        $2,339                   3.47
  $ 35001 -  40000                 $37,390        $2,809                   3.73
  $ 40001 -  45000                 $42,526        $3,508                   3.71
  $ 45001 -  50000                 $47,501        $4,171                   3.74
  $ 50001 -  75000                 $59,378        $5,719                   4.12
  $ 75001 - 100000                 $82,720       $10,670                   3.90
  $100001 - 250000                $139,317       $24,702                   4.03
  OVER $250,000                   $498,199      $136,082                   3.94

                    ______________________________________________________________
  TOTAL                            $31,937        $3,158                   2.63
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      LINDON UT
                        _________________________________________________
  UNDER $1              13       $-523,871             .       .             22
  $     1  -  5000     357        $925,795       $11,797      1.27           82
  $  5001 -  10000     219      $1,620,265       $76,736      4.74          195
  $ 10001 -  15000     160      $2,005,921       $96,665      4.82          258
  $ 15001 -  20000     124      $2,135,463      $123,125      5.77          258
  $ 20001 -  25000     100      $2,241,403      $125,588      5.60          290
  $ 25001 -  30000      87      $2,421,348      $135,105      5.58          304
  $ 30001 -  35000      86      $2,784,216      $187,318      6.73          326
  $ 35001 -  40000      77      $2,872,192      $185,013      6.44          318
  $ 40001 -  45000      96      $4,075,816      $313,794      7.70          360
  $ 45001 -  50000      96      $4,573,357      $326,265      7.13          451
  $ 50001 -  75000     313     $19,130,568    $1,736,150      9.08         1394
  $ 75001 - 100000     115      $9,770,644    $1,125,775     11.52          500
  $100001 - 250000     132     $18,568,073    $2,948,814     15.88          684
  OVER $250,000         18      $7,265,772    $2,040,117     28.08           85

                    ______________________________________________________________
  TOTAL               1993     $79,866,962    $9,432,262     11.81         5527
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.7            .                     0.4
  $     1  -  5000    17.9             1.2           0.1                    1.5
  $  5001 -  10000    11.0             2.0           0.8                    3.5
  $ 10001 -  15000     8.0             2.5           1.0                    4.7
  $ 15001 -  20000     6.2             2.7           1.3                    4.7
  $ 20001 -  25000     5.0             2.8           1.3                    5.2
  $ 25001 -  30000     4.4             3.0           1.4                    5.5
  $ 30001 -  35000     4.3             3.5           2.0                    5.9
  $ 35001 -  40000     3.9             3.6           2.0                    5.8
  $ 40001 -  45000     4.8             5.1           3.3                    6.5
  $ 45001 -  50000     4.8             5.7           3.5                    8.2
  $ 50001 -  75000    15.7            24.0          18.4                   25.2
  $ 75001 - 100000     5.8            12.2          11.9                    9.0
  $100001 - 250000     6.6            23.2          31.3                   12.4
  OVER $250,000        0.9             9.1          21.6                    1.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-40,298             .                   1.69
  $     1  -  5000                  $2,593           $33                   0.23
  $  5001 -  10000                  $7,398          $350                   0.89
  $ 10001 -  15000                 $12,537          $604                   1.61
  $ 15001 -  20000                 $17,221          $993                   2.08
  $ 20001 -  25000                 $22,414        $1,256                   2.90
  $ 25001 -  30000                 $27,832        $1,553                   3.49
  $ 30001 -  35000                 $32,375        $2,178                   3.79
  $ 35001 -  40000                 $37,301        $2,403                   4.13
  $ 40001 -  45000                 $42,456        $3,269                   3.75
  $ 45001 -  50000                 $47,639        $3,399                   4.70
  $ 50001 -  75000                 $61,120        $5,547                   4.45
  $ 75001 - 100000                 $84,962        $9,789                   4.35
  $100001 - 250000                $140,667       $22,340                   5.18
  OVER $250,000                   $403,654      $113,340                   4.72

                    ______________________________________________________________
  TOTAL                            $40,074        $4,733                   2.77
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      LOGAN UT
                        _________________________________________________
  UNDER $1             131     $-1,445,004        $1,020     -0.07          169
  $     1  -  5000    2512      $6,868,343       $76,468      1.11         1590
  $  5001 -  10000    2501     $18,586,664      $504,770      2.72         3004
  $ 10001 -  15000    2128     $26,472,309    $1,138,041      4.30         3801
  $ 15001 -  20000    1785     $30,994,496    $1,743,391      5.62         3754
  $ 20001 -  25000    1309     $29,166,776    $2,027,228      6.95         3074
  $ 25001 -  30000    1008     $27,665,838    $2,158,057      7.80         2571
  $ 30001 -  35000     812     $26,298,778    $2,181,497      8.30         2330
  $ 35001 -  40000     639     $23,872,359    $2,121,221      8.89         1951
  $ 40001 -  45000     545     $23,109,527    $2,101,999      9.10         1811
  $ 45001 -  50000     408     $19,337,798    $1,818,687      9.40         1420
  $ 50001 -  75000    1222     $73,783,480    $8,053,640     10.92         4273
  $ 75001 - 100000     443     $37,803,687    $5,220,887     13.81         1554
  $100001 - 250000     299     $43,119,260    $8,024,079     18.61         1129
  OVER $250,000         46     $31,191,164    $8,332,785     26.72          160

                    ______________________________________________________________
  TOTAL              15788    $416,825,475   $45,503,770     10.92        32591
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.8            -0.3           0.0                    0.5
  $     1  -  5000    15.9             1.6           0.2                    4.9
  $  5001 -  10000    15.8             4.5           1.1                    9.2
  $ 10001 -  15000    13.5             6.4           2.5                   11.7
  $ 15001 -  20000    11.3             7.4           3.8                   11.5
  $ 20001 -  25000     8.3             7.0           4.5                    9.4
  $ 25001 -  30000     6.4             6.6           4.7                    7.9
  $ 30001 -  35000     5.1             6.3           4.8                    7.1
  $ 35001 -  40000     4.0             5.7           4.7                    6.0
  $ 40001 -  45000     3.5             5.5           4.6                    5.6
  $ 45001 -  50000     2.6             4.6           4.0                    4.4
  $ 50001 -  75000     7.7            17.7          17.7                   13.1
  $ 75001 - 100000     2.8             9.1          11.5                    4.8
  $100001 - 250000     1.9            10.3          17.6                    3.5
  OVER $250,000        0.3             7.5          18.3                    0.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-11,031            $8                   1.29
  $     1  -  5000                  $2,734           $30                   0.63
  $  5001 -  10000                  $7,432          $202                   1.20
  $ 10001 -  15000                 $12,440          $535                   1.79
  $ 15001 -  20000                 $17,364          $977                   2.10
  $ 20001 -  25000                 $22,282        $1,549                   2.35
  $ 25001 -  30000                 $27,446        $2,141                   2.55
  $ 30001 -  35000                 $32,388        $2,687                   2.87
  $ 35001 -  40000                 $37,359        $3,320                   3.05
  $ 40001 -  45000                 $42,403        $3,857                   3.32
  $ 45001 -  50000                 $47,397        $4,458                   3.48
  $ 50001 -  75000                 $60,379        $6,591                   3.50
  $ 75001 - 100000                 $85,336       $11,785                   3.51
  $100001 - 250000                $144,212       $26,836                   3.78
  OVER $250,000                   $678,069      $181,148                   3.48

                    ______________________________________________________________
  TOTAL                            $26,401        $2,882                   2.06
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      MAGNA UT
                        _________________________________________________
  UNDER $1              11       $-363,281          $866     -0.24           17
  $     1  -  5000     937      $2,428,430        $8,961      0.37          552
  $  5001 -  10000     861      $6,464,262      $170,224      2.63         1136
  $ 10001 -  15000     822     $10,233,877      $432,710      4.23         1537
  $ 15001 -  20000     809     $14,106,249      $800,921      5.68         1791
  $ 20001 -  25000     753     $16,928,225    $1,102,877      6.52         2002
  $ 25001 -  30000     641     $17,643,609    $1,283,465      7.27         1885
  $ 30001 -  35000     629     $20,310,476    $1,612,642      7.94         1989
  $ 35001 -  40000     506     $18,938,110    $1,608,773      8.49         1755
  $ 40001 -  45000     427     $18,118,181    $1,617,668      8.93         1529
  $ 45001 -  50000     336     $15,939,169    $1,493,030      9.37         1259
  $ 50001 -  75000     678     $40,107,944    $4,372,317     10.90         2497
  $ 75001 - 100000      89      $7,366,488    $1,073,670     14.58          311
  OVER $100,000         22      $3,623,924      $533,171     14.71           66

                    ______________________________________________________________
  TOTAL               7521    $191,845,663   $16,111,295      8.40        18326
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.1            -0.2           0.0                    0.1
  $     1  -  5000    12.5             1.3           0.1                    3.0
  $  5001 -  10000    11.4             3.4           1.1                    6.2
  $ 10001 -  15000    10.9             5.3           2.7                    8.4
  $ 15001 -  20000    10.8             7.4           5.0                    9.8
  $ 20001 -  25000    10.0             8.8           6.8                   10.9
  $ 25001 -  30000     8.5             9.2           8.0                   10.3
  $ 30001 -  35000     8.4            10.6          10.0                   10.9
  $ 35001 -  40000     6.7             9.9          10.0                    9.6
  $ 40001 -  45000     5.7             9.4          10.0                    8.3
  $ 45001 -  50000     4.5             8.3           9.3                    6.9
  $ 50001 -  75000     9.0            20.9          27.1                   13.6
  $ 75001 - 100000     1.2             3.8           6.7                    1.7
  OVER $100,000        0.3             1.9           3.3                    0.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-33,026           $79                   1.55
  $     1  -  5000                  $2,592           $10                   0.59
  $  5001 -  10000                  $7,508          $198                   1.32
  $ 10001 -  15000                 $12,450          $526                   1.87
  $ 15001 -  20000                 $17,437          $990                   2.21
  $ 20001 -  25000                 $22,481        $1,465                   2.66
  $ 25001 -  30000                 $27,525        $2,002                   2.94
  $ 30001 -  35000                 $32,290        $2,564                   3.16
  $ 35001 -  40000                 $37,427        $3,179                   3.47
  $ 40001 -  45000                 $42,431        $3,788                   3.58
  $ 45001 -  50000                 $47,438        $4,444                   3.75
  $ 50001 -  75000                 $59,156        $6,449                   3.68
  $ 75001 - 100000                 $82,770       $12,064                   3.49
  OVER $100,000                   $164,724       $24,235                   3.00

                    ______________________________________________________________
  TOTAL                            $25,508        $2,142                   2.44
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      MANTI UT
                        _________________________________________________
  UNDER $1              14       $-116,410             .       .             22
  $     1  -  5000     148        $357,226        $2,037      0.57           87
  $  5001 -  10000     127        $925,645       $23,677      2.56          176
  $ 10001 -  15000     107      $1,349,476       $34,149      2.53          286
  $ 15001 -  20000      65      $1,141,250       $52,202      4.57          187
  $ 20001 -  25000      83      $1,884,876       $92,123      4.89          292
  $ 25001 -  30000      67      $1,833,641      $109,722      5.98          249
  $ 30001 -  35000      56      $1,813,049      $112,777      6.22          222
  $ 35001 -  40000      37      $1,389,139       $94,623      6.81          157
  $ 40001 -  45000      29      $1,231,240      $104,656      8.50          116
  $ 45001 -  50000      27      $1,276,413      $111,036      8.70          106
  $ 50001 -  75000      64      $3,747,732      $371,243      9.91          279
  $ 75001 - 100000      10        $827,114      $106,784     12.91           45
  OVER $100,000         13     $10,411,584    $3,114,675     29.92           61

                    ______________________________________________________________
  TOTAL                847     $28,071,975    $4,329,704     15.42         2285
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.7            -0.4            .                     1.0
  $     1  -  5000    17.5             1.3           0.0                    3.8
  $  5001 -  10000    15.0             3.3           0.5                    7.7
  $ 10001 -  15000    12.6             4.8           0.8                   12.5
  $ 15001 -  20000     7.7             4.1           1.2                    8.2
  $ 20001 -  25000     9.8             6.7           2.1                   12.8
  $ 25001 -  30000     7.9             6.5           2.5                   10.9
  $ 30001 -  35000     6.6             6.5           2.6                    9.7
  $ 35001 -  40000     4.4             4.9           2.2                    6.9
  $ 40001 -  45000     3.4             4.4           2.4                    5.1
  $ 45001 -  50000     3.2             4.5           2.6                    4.6
  $ 50001 -  75000     7.6            13.4           8.6                   12.2
  $ 75001 - 100000     1.2             2.9           2.5                    2.0
  OVER $100,000        1.5            37.1          71.9                    2.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-8,315             .                   1.57
  $     1  -  5000                  $2,414           $14                   0.59
  $  5001 -  10000                  $7,289          $186                   1.39
  $ 10001 -  15000                 $12,612          $319                   2.67
  $ 15001 -  20000                 $17,558          $803                   2.88
  $ 20001 -  25000                 $22,709        $1,110                   3.52
  $ 25001 -  30000                 $27,368        $1,638                   3.72
  $ 30001 -  35000                 $32,376        $2,014                   3.96
  $ 35001 -  40000                 $37,544        $2,557                   4.24
  $ 40001 -  45000                 $42,457        $3,609                   4.00
  $ 45001 -  50000                 $47,275        $4,112                   3.93
  $ 50001 -  75000                 $58,558        $5,801                   4.36
  $ 75001 - 100000                 $82,711       $10,678                   4.50
  OVER $100,000                   $800,891      $239,590                   4.69

                    ______________________________________________________________
  TOTAL                            $33,143        $5,112                   2.70
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      MAPLETON UT
                        _________________________________________________
  UNDER $1              11       $-440,716          $857     -0.19           32
  $     1  -  5000     321        $806,825       $16,542      2.05           94
  $  5001 -  10000     182      $1,328,306       $39,265      2.96          220
  $ 10001 -  15000     144      $1,802,901       $82,332      4.57          253
  $ 15001 -  20000     114      $1,967,296      $102,204      5.20          267
  $ 20001 -  25000      91      $2,031,023      $130,736      6.44          215
  $ 25001 -  30000      92      $2,524,255      $199,030      7.88          241
  $ 30001 -  35000      68      $2,212,434      $153,698      6.95          226
  $ 35001 -  40000      66      $2,477,826      $181,505      7.33          260
  $ 40001 -  45000      93      $3,939,858      $290,228      7.37          393
  $ 45001 -  50000      71      $3,355,782      $286,667      8.54          293
  $ 50001 -  75000     236     $14,140,075    $1,298,626      9.18         1014
  $ 75001 - 100000      84      $7,148,209      $822,574     11.51          395
  $100001 - 250000      65      $8,608,474    $1,437,198     16.70          286
  OVER $250,000         14      $6,330,556    $1,744,055     27.55           62

                    ______________________________________________________________
  TOTAL               1652     $58,233,104    $6,785,517     11.65         4251
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.8           0.0                    0.8
  $     1  -  5000    19.4             1.4           0.2                    2.2
  $  5001 -  10000    11.0             2.3           0.6                    5.2
  $ 10001 -  15000     8.7             3.1           1.2                    6.0
  $ 15001 -  20000     6.9             3.4           1.5                    6.3
  $ 20001 -  25000     5.5             3.5           1.9                    5.1
  $ 25001 -  30000     5.6             4.3           2.9                    5.7
  $ 30001 -  35000     4.1             3.8           2.3                    5.3
  $ 35001 -  40000     4.0             4.3           2.7                    6.1
  $ 40001 -  45000     5.6             6.8           4.3                    9.2
  $ 45001 -  50000     4.3             5.8           4.2                    6.9
  $ 50001 -  75000    14.3            24.3          19.1                   23.9
  $ 75001 - 100000     5.1            12.3          12.1                    9.3
  $100001 - 250000     3.9            14.8          21.2                    6.7
  OVER $250,000        0.8            10.9          25.7                    1.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-40,065           $78                   2.91
  $     1  -  5000                  $2,513           $52                   0.29
  $  5001 -  10000                  $7,298          $216                   1.21
  $ 10001 -  15000                 $12,520          $572                   1.76
  $ 15001 -  20000                 $17,257          $897                   2.34
  $ 20001 -  25000                 $22,319        $1,437                   2.36
  $ 25001 -  30000                 $27,438        $2,163                   2.62
  $ 30001 -  35000                 $32,536        $2,260                   3.32
  $ 35001 -  40000                 $37,543        $2,750                   3.94
  $ 40001 -  45000                 $42,364        $3,121                   4.23
  $ 45001 -  50000                 $47,265        $4,038                   4.13
  $ 50001 -  75000                 $59,916        $5,503                   4.30
  $ 75001 - 100000                 $85,098        $9,793                   4.70
  $100001 - 250000                $132,438       $22,111                   4.40
  OVER $250,000                   $452,183      $124,575                   4.43

                    ______________________________________________________________
  TOTAL                            $35,250        $4,107                   2.57
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      MIDVALE UT
                        _________________________________________________
  UNDER $1              33       $-264,607        $1,219     -0.46           43
  $     1  -  5000    1172      $3,201,694       $14,328      0.45          887
  $  5001 -  10000    1336     $10,019,659      $247,952      2.47         1769
  $ 10001 -  15000    1441     $17,984,796      $790,427      4.39         2477
  $ 15001 -  20000    1372     $23,944,468    $1,538,986      6.43         2590
  $ 20001 -  25000    1018     $22,863,659    $1,773,997      7.76         2033
  $ 25001 -  30000     903     $24,826,576    $2,176,186      8.77         1884
  $ 30001 -  35000     757     $24,555,753    $2,323,014      9.46         1719
  $ 35001 -  40000     614     $22,931,536    $2,288,055      9.98         1478
  $ 40001 -  45000     550     $23,319,073    $2,420,006     10.38         1414
  $ 45001 -  50000     395     $18,714,151    $1,999,596     10.68         1100
  $ 50001 -  75000    1082     $65,048,859    $7,822,753     12.03         3189
  $ 75001 - 100000     259     $21,867,079    $3,332,623     15.24          748
  $100001 - 250000     119     $16,604,884    $3,253,484     19.59          316
  OVER $250,000         19     $12,378,296    $3,912,695     31.61           48

                    ______________________________________________________________
  TOTAL              11070    $307,995,876   $33,895,321     11.01        21695
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.3            -0.1           0.0                    0.2
  $     1  -  5000    10.6             1.0           0.0                    4.1
  $  5001 -  10000    12.1             3.3           0.7                    8.2
  $ 10001 -  15000    13.0             5.8           2.3                   11.4
  $ 15001 -  20000    12.4             7.8           4.5                   11.9
  $ 20001 -  25000     9.2             7.4           5.2                    9.4
  $ 25001 -  30000     8.2             8.1           6.4                    8.7
  $ 30001 -  35000     6.8             8.0           6.9                    7.9
  $ 35001 -  40000     5.5             7.4           6.8                    6.8
  $ 40001 -  45000     5.0             7.6           7.1                    6.5
  $ 45001 -  50000     3.6             6.1           5.9                    5.1
  $ 50001 -  75000     9.8            21.1          23.1                   14.7
  $ 75001 - 100000     2.3             7.1           9.8                    3.4
  $100001 - 250000     1.1             5.4           9.6                    1.5
  OVER $250,000        0.2             4.0          11.5                    0.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-8,018           $37                   1.30
  $     1  -  5000                  $2,732           $12                   0.76
  $  5001 -  10000                  $7,500          $186                   1.32
  $ 10001 -  15000                 $12,481          $549                   1.72
  $ 15001 -  20000                 $17,452        $1,122                   1.89
  $ 20001 -  25000                 $22,459        $1,743                   2.00
  $ 25001 -  30000                 $27,493        $2,410                   2.09
  $ 30001 -  35000                 $32,438        $3,069                   2.27
  $ 35001 -  40000                 $37,348        $3,726                   2.41
  $ 40001 -  45000                 $42,398        $4,400                   2.57
  $ 45001 -  50000                 $47,378        $5,062                   2.78
  $ 50001 -  75000                 $60,119        $7,230                   2.95
  $ 75001 - 100000                 $84,429       $12,867                   2.89
  $100001 - 250000                $139,537       $27,340                   2.66
  OVER $250,000                   $651,489      $205,931                   2.53

                    ______________________________________________________________
  TOTAL                            $27,823        $3,062                   1.96
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      MIDWAY UT
                        _________________________________________________
  UNDER $ 5,000        167        $277,895        $4,138      1.49           59
  $  5001 -  10000     107        $771,242       $25,395      3.29           95
  $ 10001 -  15000      86      $1,104,654       $40,146      3.63          173
  $ 15001 -  20000      76      $1,325,785       $70,213      5.30          157
  $ 20001 -  25000      59      $1,322,266       $81,176      6.14          141
  $ 25001 -  30000      56      $1,542,759      $108,654      7.04          150
  $ 30001 -  35000      45      $1,462,637      $102,754      7.03          151
  $ 35001 -  40000      32      $1,198,502       $91,881      7.67          122
  $ 40001 -  45000      44      $1,876,671      $157,008      8.37          167
  $ 45001 -  50000      34      $1,617,139      $132,865      8.22          136
  $ 50001 -  75000     107      $6,368,992      $628,802      9.87          417
  $ 75001 - 100000      40      $3,492,082      $459,594     13.16          138
  OVER $100,000         45      $8,295,672    $1,820,885     21.95          172

                    ______________________________________________________________
  TOTAL                898     $30,656,296    $3,723,511     12.15         2078
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       18.6             0.9           0.1                    2.8
  $  5001 -  10000    11.9             2.5           0.7                    4.6
  $ 10001 -  15000     9.6             3.6           1.1                    8.3
  $ 15001 -  20000     8.5             4.3           1.9                    7.6
  $ 20001 -  25000     6.6             4.3           2.2                    6.8
  $ 25001 -  30000     6.2             5.0           2.9                    7.2
  $ 30001 -  35000     5.0             4.8           2.8                    7.3
  $ 35001 -  40000     3.6             3.9           2.5                    5.9
  $ 40001 -  45000     4.9             6.1           4.2                    8.0
  $ 45001 -  50000     3.8             5.3           3.6                    6.5
  $ 50001 -  75000    11.9            20.8          16.9                   20.1
  $ 75001 - 100000     4.5            11.4          12.3                    6.6
  OVER $100,000        5.0            27.1          48.9                    8.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,664           $25                   0.35
  $  5001 -  10000                  $7,208          $237                   0.89
  $ 10001 -  15000                 $12,845          $467                   2.01
  $ 15001 -  20000                 $17,445          $924                   2.07
  $ 20001 -  25000                 $22,411        $1,376                   2.39
  $ 25001 -  30000                 $27,549        $1,940                   2.68
  $ 30001 -  35000                 $32,503        $2,283                   3.36
  $ 35001 -  40000                 $37,453        $2,871                   3.81
  $ 40001 -  45000                 $42,652        $3,568                   3.80
  $ 45001 -  50000                 $47,563        $3,908                   4.00
  $ 50001 -  75000                 $59,523        $5,877                   3.90
  $ 75001 - 100000                 $87,302       $11,490                   3.45
  OVER $100,000                   $184,348       $40,464                   3.82

                    ______________________________________________________________
  TOTAL                            $34,138        $4,146                   2.31
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      MOAB UT
                        _________________________________________________
  UNDER $1              25       $-463,535          $359     -0.08           48
  $     1  -  5000     539      $1,473,142        $8,554      0.58          393
  $  5001 -  10000     549      $4,106,765       $93,173      2.27          727
  $ 10001 -  15000     486      $6,029,693      $263,686      4.37          852
  $ 15001 -  20000     328      $5,709,008      $349,932      6.13          653
  $ 20001 -  25000     233      $5,191,826      $361,124      6.96          545
  $ 25001 -  30000     224      $6,125,335      $509,325      8.32          527
  $ 30001 -  35000     143      $4,644,876      $413,814      8.91          388
  $ 35001 -  40000     150      $5,595,962      $521,390      9.32          442
  $ 40001 -  45000     100      $4,262,126      $420,516      9.87          295
  $ 45001 -  50000      84      $3,982,790      $429,512     10.78          240
  $ 50001 -  75000     237     $14,325,694    $1,754,042     12.24          730
  $ 75001 - 100000      57      $4,752,355      $727,851     15.32          197
  OVER $100,000         44     $14,058,644    $4,104,972     29.20          130

                    ______________________________________________________________
  TOTAL               3199     $79,794,681    $9,958,250     12.48         6167
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.8            -0.6           0.0                    0.8
  $     1  -  5000    16.8             1.8           0.1                    6.4
  $  5001 -  10000    17.2             5.1           0.9                   11.8
  $ 10001 -  15000    15.2             7.6           2.6                   13.8
  $ 15001 -  20000    10.3             7.2           3.5                   10.6
  $ 20001 -  25000     7.3             6.5           3.6                    8.8
  $ 25001 -  30000     7.0             7.7           5.1                    8.5
  $ 30001 -  35000     4.5             5.8           4.2                    6.3
  $ 35001 -  40000     4.7             7.0           5.2                    7.2
  $ 40001 -  45000     3.1             5.3           4.2                    4.8
  $ 45001 -  50000     2.6             5.0           4.3                    3.9
  $ 50001 -  75000     7.4            18.0          17.6                   11.8
  $ 75001 - 100000     1.8             6.0           7.3                    3.2
  OVER $100,000        1.4            17.6          41.2                    2.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-18,541           $14                   1.92
  $     1  -  5000                  $2,733           $16                   0.73
  $  5001 -  10000                  $7,480          $170                   1.32
  $ 10001 -  15000                 $12,407          $543                   1.75
  $ 15001 -  20000                 $17,406        $1,067                   1.99
  $ 20001 -  25000                 $22,283        $1,550                   2.34
  $ 25001 -  30000                 $27,345        $2,274                   2.35
  $ 30001 -  35000                 $32,482        $2,894                   2.71
  $ 35001 -  40000                 $37,306        $3,476                   2.95
  $ 40001 -  45000                 $42,621        $4,205                   2.95
  $ 45001 -  50000                 $47,414        $5,113                   2.86
  $ 50001 -  75000                 $60,446        $7,401                   3.08
  $ 75001 - 100000                 $83,375       $12,769                   3.46
  OVER $100,000                   $319,515       $93,295                   2.95

                    ______________________________________________________________
  TOTAL                            $24,944        $3,113                   1.93
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      MONTICELLO UT
                        _________________________________________________
  UNDER $1              10     $-1,140,528             .       .             20
  $     1  -  5000     172        $430,413        $4,475      1.04           77
  $  5001 -  10000     102        $762,689       $17,758      2.33          133
  $ 10001 -  15000      95      $1,174,767       $35,521      3.02          205
  $ 15001 -  20000      71      $1,239,284       $59,082      4.77          166
  $ 20001 -  25000      67      $1,494,398       $80,988      5.42          214
  $ 25001 -  30000      53      $1,447,433       $91,928      6.35          172
  $ 30001 -  35000      51      $1,663,051      $121,821      7.33          191
  $ 35001 -  40000      36      $1,353,257      $113,249      8.37          133
  $ 40001 -  45000      28      $1,186,731      $103,946      8.76           97
  $ 45001 -  50000      30      $1,413,548      $120,965      8.56          133
  $ 50001 -  75000      86      $5,093,113      $501,841      9.85          360
  $ 75001 - 100000      20      $1,689,656      $255,625     15.13           61
  OVER $100,000         14      $2,496,046      $563,420     22.57           40

                    ______________________________________________________________
  TOTAL                835     $20,303,858    $2,070,619     10.20         2002
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.2            -5.6            .                     1.0
  $     1  -  5000    20.6             2.1           0.2                    3.8
  $  5001 -  10000    12.2             3.8           0.9                    6.6
  $ 10001 -  15000    11.4             5.8           1.7                   10.2
  $ 15001 -  20000     8.5             6.1           2.9                    8.3
  $ 20001 -  25000     8.0             7.4           3.9                   10.7
  $ 25001 -  30000     6.3             7.1           4.4                    8.6
  $ 30001 -  35000     6.1             8.2           5.9                    9.5
  $ 35001 -  40000     4.3             6.7           5.5                    6.6
  $ 40001 -  45000     3.4             5.8           5.0                    4.8
  $ 45001 -  50000     3.6             7.0           5.8                    6.6
  $ 50001 -  75000    10.3            25.1          24.2                   18.0
  $ 75001 - 100000     2.4             8.3          12.3                    3.0
  OVER $100,000        1.7            12.3          27.2                    2.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-114053             .                   2.00
  $     1  -  5000                  $2,502           $26                   0.45
  $  5001 -  10000                  $7,477          $174                   1.30
  $ 10001 -  15000                 $12,366          $374                   2.16
  $ 15001 -  20000                 $17,455          $832                   2.34
  $ 20001 -  25000                 $22,304        $1,209                   3.19
  $ 25001 -  30000                 $27,310        $1,734                   3.25
  $ 30001 -  35000                 $32,609        $2,389                   3.75
  $ 35001 -  40000                 $37,590        $3,146                   3.69
  $ 40001 -  45000                 $42,383        $3,712                   3.46
  $ 45001 -  50000                 $47,118        $4,032                   4.43
  $ 50001 -  75000                 $59,222        $5,835                   4.19
  $ 75001 - 100000                 $84,483       $12,781                   3.05
  OVER $100,000                   $178,289       $40,244                   2.86

                    ______________________________________________________________
  TOTAL                            $24,316        $2,480                   2.40
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      MORGAN UT
                        _________________________________________________
  UNDER $1              23       $-452,783           $26     -0.01           40
  $     1  -  5000     317        $828,599        $8,956      1.08           73
  $  5001 -  10000     216      $1,632,130       $64,914      3.98          187
  $ 10001 -  15000     185      $2,319,424      $121,968      5.26          276
  $ 15001 -  20000     156      $2,740,578      $170,328      6.22          311
  $ 20001 -  25000     135      $3,056,604      $223,873      7.32          302
  $ 25001 -  30000     154      $4,279,492      $349,754      8.17          374
  $ 30001 -  35000     143      $4,637,454      $380,846      8.21          428
  $ 35001 -  40000     141      $5,290,310      $426,057      8.05          519
  $ 40001 -  45000     115      $4,877,679      $412,925      8.47          430
  $ 45001 -  50000     103      $4,882,500      $421,248      8.63          427
  $ 50001 -  75000     318     $19,250,362    $2,026,550     10.53         1267
  $ 75001 - 100000      83      $6,958,141      $889,882     12.79          344
  OVER $100,000         50      $7,395,834    $1,432,643     19.37          200

                    ______________________________________________________________
  TOTAL               2139     $67,696,324    $6,929,970     10.24         5178
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.1            -0.7           0.0                    0.8
  $     1  -  5000    14.8             1.2           0.1                    1.4
  $  5001 -  10000    10.1             2.4           0.9                    3.6
  $ 10001 -  15000     8.6             3.4           1.8                    5.3
  $ 15001 -  20000     7.3             4.0           2.5                    6.0
  $ 20001 -  25000     6.3             4.5           3.2                    5.8
  $ 25001 -  30000     7.2             6.3           5.0                    7.2
  $ 30001 -  35000     6.7             6.9           5.5                    8.3
  $ 35001 -  40000     6.6             7.8           6.1                   10.0
  $ 40001 -  45000     5.4             7.2           6.0                    8.3
  $ 45001 -  50000     4.8             7.2           6.1                    8.2
  $ 50001 -  75000    14.9            28.4          29.2                   24.5
  $ 75001 - 100000     3.9            10.3          12.8                    6.6
  OVER $100,000        2.3            10.9          20.7                    3.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-19,686            $1                   1.74
  $     1  -  5000                  $2,614           $28                   0.23
  $  5001 -  10000                  $7,556          $301                   0.87
  $ 10001 -  15000                 $12,537          $659                   1.49
  $ 15001 -  20000                 $17,568        $1,092                   1.99
  $ 20001 -  25000                 $22,642        $1,658                   2.24
  $ 25001 -  30000                 $27,789        $2,271                   2.43
  $ 30001 -  35000                 $32,430        $2,663                   2.99
  $ 35001 -  40000                 $37,520        $3,022                   3.68
  $ 40001 -  45000                 $42,415        $3,591                   3.74
  $ 45001 -  50000                 $47,403        $4,090                   4.15
  $ 50001 -  75000                 $60,536        $6,373                   3.98
  $ 75001 - 100000                 $83,833       $10,721                   4.14
  OVER $100,000                   $147,917       $28,653                   4.00

                    ______________________________________________________________
  TOTAL                            $31,649        $3,240                   2.42
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      MURRAY UT
                        _________________________________________________
  UNDER $1              64       $-685,374        $1,907     -0.28          105
  $     1  -  5000    2019      $5,167,535       $50,732      0.98         1030
  $  5001 -  10000    1935     $14,560,319      $434,996      2.99         2161
  $ 10001 -  15000    1990     $24,845,349    $1,270,133      5.11         2894
  $ 15001 -  20000    1763     $30,714,326    $2,063,076      6.72         3016
  $ 20001 -  25000    1486     $33,218,334    $2,642,600      7.96         2780
  $ 25001 -  30000    1267     $34,774,847    $3,048,034      8.77         2575
  $ 30001 -  35000    1057     $34,310,378    $3,169,354      9.24         2428
  $ 35001 -  40000     926     $34,698,399    $3,401,714      9.80         2382
  $ 40001 -  45000     756     $32,082,458    $3,222,590     10.04         2107
  $ 45001 -  50000     587     $27,840,176    $2,827,926     10.16         1753
  $ 50001 -  75000    1875    $113,218,632   $12,622,119     11.15         6222
  $ 75001 - 100000     599     $51,097,136    $7,169,423     14.03         2077
  $100001 - 250000     374     $50,798,121    $9,217,803     18.15         1418
  OVER $250,000         46     $20,181,331    $5,858,213     29.03          178

                    ______________________________________________________________
  TOTAL              16744    $506,821,967   $57,000,620     11.25        33126
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.1           0.0                    0.3
  $     1  -  5000    12.1             1.0           0.1                    3.1
  $  5001 -  10000    11.6             2.9           0.8                    6.5
  $ 10001 -  15000    11.9             4.9           2.2                    8.7
  $ 15001 -  20000    10.5             6.1           3.6                    9.1
  $ 20001 -  25000     8.9             6.6           4.6                    8.4
  $ 25001 -  30000     7.6             6.9           5.3                    7.8
  $ 30001 -  35000     6.3             6.8           5.6                    7.3
  $ 35001 -  40000     5.5             6.8           6.0                    7.2
  $ 40001 -  45000     4.5             6.3           5.7                    6.4
  $ 45001 -  50000     3.5             5.5           5.0                    5.3
  $ 50001 -  75000    11.2            22.3          22.1                   18.8
  $ 75001 - 100000     3.6            10.1          12.6                    6.3
  $100001 - 250000     2.2            10.0          16.2                    4.3
  OVER $250,000        0.3             4.0          10.3                    0.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-10,709           $30                   1.64
  $     1  -  5000                  $2,559           $25                   0.51
  $  5001 -  10000                  $7,525          $225                   1.12
  $ 10001 -  15000                 $12,485          $638                   1.45
  $ 15001 -  20000                 $17,422        $1,170                   1.71
  $ 20001 -  25000                 $22,354        $1,778                   1.87
  $ 25001 -  30000                 $27,447        $2,406                   2.03
  $ 30001 -  35000                 $32,460        $2,998                   2.30
  $ 35001 -  40000                 $37,471        $3,674                   2.57
  $ 40001 -  45000                 $42,437        $4,263                   2.79
  $ 45001 -  50000                 $47,428        $4,818                   2.99
  $ 50001 -  75000                 $60,383        $6,732                   3.32
  $ 75001 - 100000                 $85,304       $11,969                   3.47
  $100001 - 250000                $135,824       $24,647                   3.79
  OVER $250,000                   $438,725      $127,352                   3.87

                    ______________________________________________________________
  TOTAL                            $30,269        $3,404                   1.98
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      NEPHI UT
                        _________________________________________________
  UNDER $1              14       $-604,149             .       .             22
  $     1  -  5000     284        $731,585        $6,895      0.94          118
  $  5001 -  10000     187      $1,364,361       $38,791      2.84          202
  $ 10001 -  15000     158      $1,948,252       $67,343      3.46          303
  $ 15001 -  20000     152      $2,685,907      $136,889      5.10          364
  $ 20001 -  25000     134      $3,013,691      $193,967      6.44          333
  $ 25001 -  30000     126      $3,475,726      $228,743      6.58          417
  $ 30001 -  35000     101      $3,295,912      $232,191      7.04          375
  $ 35001 -  40000     114      $4,278,330      $355,588      8.31          419
  $ 40001 -  45000      95      $4,002,147      $359,743      8.99          356
  $ 45001 -  50000      72      $3,398,458      $311,887      9.18          297
  $ 50001 -  75000     148      $8,607,559      $881,592     10.24          599
  $ 75001 - 100000      16      $1,357,266      $181,379     13.36           65
  OVER $100,000         21      $3,377,395      $676,656     20.03           98

                    ______________________________________________________________
  TOTAL               1622     $40,932,440    $3,671,664      8.97         3968
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.9            -1.5            .                     0.6
  $     1  -  5000    17.5             1.8           0.2                    3.0
  $  5001 -  10000    11.5             3.3           1.1                    5.1
  $ 10001 -  15000     9.7             4.8           1.8                    7.6
  $ 15001 -  20000     9.4             6.6           3.7                    9.2
  $ 20001 -  25000     8.3             7.4           5.3                    8.4
  $ 25001 -  30000     7.8             8.5           6.2                   10.5
  $ 30001 -  35000     6.2             8.1           6.3                    9.5
  $ 35001 -  40000     7.0            10.5           9.7                   10.6
  $ 40001 -  45000     5.9             9.8           9.8                    9.0
  $ 45001 -  50000     4.4             8.3           8.5                    7.5
  $ 50001 -  75000     9.1            21.0          24.0                   15.1
  $ 75001 - 100000     1.0             3.3           4.9                    1.6
  OVER $100,000        1.3             8.3          18.4                    2.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-43,154             .                   1.57
  $     1  -  5000                  $2,576           $24                   0.42
  $  5001 -  10000                  $7,296          $207                   1.08
  $ 10001 -  15000                 $12,331          $426                   1.92
  $ 15001 -  20000                 $17,670          $901                   2.39
  $ 20001 -  25000                 $22,490        $1,448                   2.49
  $ 25001 -  30000                 $27,585        $1,815                   3.31
  $ 30001 -  35000                 $32,633        $2,299                   3.71
  $ 35001 -  40000                 $37,529        $3,119                   3.68
  $ 40001 -  45000                 $42,128        $3,787                   3.75
  $ 45001 -  50000                 $47,201        $4,332                   4.13
  $ 50001 -  75000                 $58,159        $5,957                   4.05
  $ 75001 - 100000                 $84,829       $11,336                   4.06
  OVER $100,000                   $160,828       $32,222                   4.67

                    ______________________________________________________________
  TOTAL                            $25,236        $2,264                   2.45
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      NORTH LOGAN UT
                        _________________________________________________
  UNDER $ 5,000        232        $513,114        $5,977      1.16           95
  $  5001 -  10000     130        $959,970       $34,479      3.59          108
  $ 10001 -  15000     100      $1,253,184       $60,725      4.85          181
  $ 15001 -  20000      73      $1,298,678       $68,204      5.25          182
  $ 20001 -  25000      72      $1,620,273       $93,340      5.76          200
  $ 25001 -  30000      59      $1,637,741      $110,727      6.76          188
  $ 30001 -  35000      67      $2,188,790      $154,677      7.07          222
  $ 35001 -  40000      72      $2,702,121      $207,865      7.69          252
  $ 40001 -  45000      48      $2,035,218      $162,716      8.00          197
  $ 45001 -  50000      43      $2,042,682      $162,803      7.97          186
  $ 50001 -  75000     167     $10,187,319      $970,221      9.52          716
  $ 75001 - 100000      61      $5,195,475      $715,268     13.77          221
  OVER $100,000         42      $6,418,576    $1,211,755     18.88          185

                    ______________________________________________________________
  TOTAL               1166     $38,053,141    $3,958,757     10.40         2933
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       19.9             1.3           0.2                    3.2
  $  5001 -  10000    11.1             2.5           0.9                    3.7
  $ 10001 -  15000     8.6             3.3           1.5                    6.2
  $ 15001 -  20000     6.3             3.4           1.7                    6.2
  $ 20001 -  25000     6.2             4.3           2.4                    6.8
  $ 25001 -  30000     5.1             4.3           2.8                    6.4
  $ 30001 -  35000     5.7             5.8           3.9                    7.6
  $ 35001 -  40000     6.2             7.1           5.3                    8.6
  $ 40001 -  45000     4.1             5.3           4.1                    6.7
  $ 45001 -  50000     3.7             5.4           4.1                    6.3
  $ 50001 -  75000    14.3            26.8          24.5                   24.4
  $ 75001 - 100000     5.2            13.7          18.1                    7.5
  OVER $100,000        3.6            16.9          30.6                    6.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,212           $26                   0.41
  $  5001 -  10000                  $7,384          $265                   0.83
  $ 10001 -  15000                 $12,532          $607                   1.81
  $ 15001 -  20000                 $17,790          $934                   2.49
  $ 20001 -  25000                 $22,504        $1,296                   2.78
  $ 25001 -  30000                 $27,758        $1,877                   3.19
  $ 30001 -  35000                 $32,669        $2,309                   3.31
  $ 35001 -  40000                 $37,529        $2,887                   3.50
  $ 40001 -  45000                 $42,400        $3,390                   4.10
  $ 45001 -  50000                 $47,504        $3,786                   4.33
  $ 50001 -  75000                 $61,002        $5,810                   4.29
  $ 75001 - 100000                 $85,172       $11,726                   3.62
  OVER $100,000                   $152,823       $28,851                   4.40

                    ______________________________________________________________
  TOTAL                            $32,636        $3,395                   2.52
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      NORTH OGDEN UT
                        _________________________________________________
  UNDER $1              15       $-235,364             .       .             15
  $     1  -  5000     630      $1,561,990       $17,588      1.13          147
  $  5001 -  10000     396      $2,921,634      $121,886      4.17          300
  $ 10001 -  15000     257      $3,172,893      $189,199      5.96          317
  $ 15001 -  20000     176      $3,084,626      $193,281      6.27          335
  $ 20001 -  25000     175      $3,963,228      $282,188      7.12          390
  $ 25001 -  30000     168      $4,601,280      $352,204      7.65          411
  $ 30001 -  35000     166      $5,403,002      $437,955      8.11          470
  $ 35001 -  40000     168      $6,271,726      $498,156      7.94          568
  $ 40001 -  45000     179      $7,627,911      $645,899      8.47          660
  $ 45001 -  50000     202      $9,569,426      $791,286      8.27          837
  $ 50001 -  75000     705     $42,947,250    $4,450,220     10.36         2730
  $ 75001 - 100000     215     $18,226,593    $2,391,221     13.12          808
  OVER $100,000        108     $17,099,714    $3,402,381     19.90          410

                    ______________________________________________________________
  TOTAL               3560    $126,215,909   $13,773,464     10.91         8398
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.2            .                     0.2
  $     1  -  5000    17.7             1.2           0.1                    1.8
  $  5001 -  10000    11.1             2.3           0.9                    3.6
  $ 10001 -  15000     7.2             2.5           1.4                    3.8
  $ 15001 -  20000     4.9             2.4           1.4                    4.0
  $ 20001 -  25000     4.9             3.1           2.0                    4.6
  $ 25001 -  30000     4.7             3.6           2.6                    4.9
  $ 30001 -  35000     4.7             4.3           3.2                    5.6
  $ 35001 -  40000     4.7             5.0           3.6                    6.8
  $ 40001 -  45000     5.0             6.0           4.7                    7.9
  $ 45001 -  50000     5.7             7.6           5.7                   10.0
  $ 50001 -  75000    19.8            34.0          32.3                   32.5
  $ 75001 - 100000     6.0            14.4          17.4                    9.6
  OVER $100,000        3.0            13.5          24.7                    4.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-15,691             .                   1.00
  $     1  -  5000                  $2,479           $28                   0.23
  $  5001 -  10000                  $7,378          $308                   0.76
  $ 10001 -  15000                 $12,346          $736                   1.23
  $ 15001 -  20000                 $17,526        $1,098                   1.90
  $ 20001 -  25000                 $22,647        $1,613                   2.23
  $ 25001 -  30000                 $27,389        $2,096                   2.45
  $ 30001 -  35000                 $32,548        $2,638                   2.83
  $ 35001 -  40000                 $37,332        $2,965                   3.38
  $ 40001 -  45000                 $42,614        $3,608                   3.69
  $ 45001 -  50000                 $47,373        $3,917                   4.14
  $ 50001 -  75000                 $60,918        $6,312                   3.87
  $ 75001 - 100000                 $84,775       $11,122                   3.76
  OVER $100,000                   $158,331       $31,504                   3.80

                    ______________________________________________________________
  TOTAL                            $35,454        $3,869                   2.36
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      NORTH SALT LAKE UT
                        _________________________________________________
  UNDER $1              12       $-262,105        $1,896     -0.72           33
  $     1  -  5000     446      $1,073,147       $14,341      1.34          173
  $  5001 -  10000     329      $2,472,081       $74,667      3.02          338
  $ 10001 -  15000     304      $3,788,590      $192,045      5.07          454
  $ 15001 -  20000     277      $4,827,129      $292,420      6.06          564
  $ 20001 -  25000     255      $5,718,826      $404,832      7.08          583
  $ 25001 -  30000     213      $5,864,227      $470,804      8.03          524
  $ 30001 -  35000     168      $5,467,233      $497,088      9.09          430
  $ 35001 -  40000     168      $6,292,624      $564,477      8.97          504
  $ 40001 -  45000     120      $5,123,543      $505,074      9.86          350
  $ 45001 -  50000     109      $5,169,994      $502,570      9.72          380
  $ 50001 -  75000     437     $26,499,595    $2,766,261     10.44         1535
  $ 75001 - 100000     145     $12,449,953    $1,690,246     13.58          527
  $100001 - 250000      95     $13,234,385    $2,302,324     17.40          352
  OVER $250,000         10      $3,078,724      $796,956     25.89           46

                    ______________________________________________________________
  TOTAL               3088    $100,797,946   $11,076,001     10.99         6793
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.3           0.0                    0.5
  $     1  -  5000    14.4             1.1           0.1                    2.5
  $  5001 -  10000    10.7             2.5           0.7                    5.0
  $ 10001 -  15000     9.8             3.8           1.7                    6.7
  $ 15001 -  20000     9.0             4.8           2.6                    8.3
  $ 20001 -  25000     8.3             5.7           3.7                    8.6
  $ 25001 -  30000     6.9             5.8           4.3                    7.7
  $ 30001 -  35000     5.4             5.4           4.5                    6.3
  $ 35001 -  40000     5.4             6.2           5.1                    7.4
  $ 40001 -  45000     3.9             5.1           4.6                    5.2
  $ 45001 -  50000     3.5             5.1           4.5                    5.6
  $ 50001 -  75000    14.2            26.3          25.0                   22.6
  $ 75001 - 100000     4.7            12.4          15.3                    7.8
  $100001 - 250000     3.1            13.1          20.8                    5.2
  OVER $250,000        0.3             3.1           7.2                    0.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-21,842          $158                   2.75
  $     1  -  5000                  $2,406           $32                   0.39
  $  5001 -  10000                  $7,514          $227                   1.03
  $ 10001 -  15000                 $12,462          $632                   1.49
  $ 15001 -  20000                 $17,426        $1,056                   2.04
  $ 20001 -  25000                 $22,427        $1,588                   2.29
  $ 25001 -  30000                 $27,532        $2,210                   2.46
  $ 30001 -  35000                 $32,543        $2,959                   2.56
  $ 35001 -  40000                 $37,456        $3,360                   3.00
  $ 40001 -  45000                 $42,696        $4,209                   2.92
  $ 45001 -  50000                 $47,431        $4,611                   3.49
  $ 50001 -  75000                 $60,640        $6,330                   3.51
  $ 75001 - 100000                 $85,862       $11,657                   3.63
  $100001 - 250000                $139,309       $24,235                   3.71
  OVER $250,000                   $307,872       $79,696                   4.60

                    ______________________________________________________________
  TOTAL                            $32,642        $3,587                   2.20
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      OGDEN UT
                        _________________________________________________
  UNDER $1             205     $-3,195,286        $7,450     -0.23          350
  $     1  -  5000    6284     $16,163,697      $128,529      0.80         4555
  $  5001 -  10000    5795     $43,349,655    $1,104,891      2.55         7533
  $ 10001 -  15000    5555     $69,488,146    $3,049,278      4.39         9526
  $ 15001 -  20000    4991     $87,120,931    $5,291,843      6.07         9813
  $ 20001 -  25000    4251     $95,293,313    $6,982,823      7.33         9216
  $ 25001 -  30000    3436     $94,162,637    $7,785,980      8.27         7873
  $ 30001 -  35000    2942     $95,422,446    $8,615,278      9.03         7302
  $ 35001 -  40000    2492     $93,234,314    $9,037,679      9.69         6682
  $ 40001 -  45000    2058     $87,292,498    $8,654,880      9.91         5976
  $ 45001 -  50000    1670     $79,256,927    $8,058,833     10.17         5171
  $ 50001 -  75000    4973    $300,415,940   $34,115,959     11.36        16318
  $ 75001 - 100000    1552    $131,394,414   $18,919,193     14.40         5043
  $100001 - 250000     929    $128,163,317   $23,740,297     18.52         3097
  OVER $250,000        195    $103,902,569   $31,096,401     29.93          597

                    ______________________________________________________________
  TOTAL              47328  $1,421,465,518  $166,589,314     11.72        99052
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.2           0.0                    0.4
  $     1  -  5000    13.3             1.1           0.1                    4.6
  $  5001 -  10000    12.2             3.0           0.7                    7.6
  $ 10001 -  15000    11.7             4.9           1.8                    9.6
  $ 15001 -  20000    10.5             6.1           3.2                    9.9
  $ 20001 -  25000     9.0             6.7           4.2                    9.3
  $ 25001 -  30000     7.3             6.6           4.7                    7.9
  $ 30001 -  35000     6.2             6.7           5.2                    7.4
  $ 35001 -  40000     5.3             6.6           5.4                    6.7
  $ 40001 -  45000     4.3             6.1           5.2                    6.0
  $ 45001 -  50000     3.5             5.6           4.8                    5.2
  $ 50001 -  75000    10.5            21.1          20.5                   16.5
  $ 75001 - 100000     3.3             9.2          11.4                    5.1
  $100001 - 250000     2.0             9.0          14.3                    3.1
  OVER $250,000        0.4             7.3          18.7                    0.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-15,587           $36                   1.71
  $     1  -  5000                  $2,572           $20                   0.72
  $  5001 -  10000                  $7,481          $191                   1.30
  $ 10001 -  15000                 $12,509          $549                   1.71
  $ 15001 -  20000                 $17,456        $1,060                   1.97
  $ 20001 -  25000                 $22,417        $1,643                   2.17
  $ 25001 -  30000                 $27,405        $2,266                   2.29
  $ 30001 -  35000                 $32,435        $2,928                   2.48
  $ 35001 -  40000                 $37,413        $3,627                   2.68
  $ 40001 -  45000                 $42,416        $4,205                   2.90
  $ 45001 -  50000                 $47,459        $4,826                   3.10
  $ 50001 -  75000                 $60,409        $6,860                   3.28
  $ 75001 - 100000                 $84,661       $12,190                   3.25
  $100001 - 250000                $137,958       $25,555                   3.33
  OVER $250,000                   $532,834      $159,469                   3.06

                    ______________________________________________________________
  TOTAL                            $30,034        $3,520                   2.09
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      OREM UT
                        _________________________________________________
  UNDER $1             138     $-7,298,386        $9,356     -0.13          288
  $     1  -  5000    4885     $12,569,960      $124,676      0.99         2034
  $  5001 -  10000    3530     $25,888,081      $824,361      3.18         4091
  $ 10001 -  15000    2771     $34,470,157    $1,453,773      4.22         5087
  $ 15001 -  20000    2391     $41,699,401    $2,250,066      5.40         5342
  $ 20001 -  25000    1920     $43,103,533    $2,652,610      6.15         5184
  $ 25001 -  30000    1582     $43,324,853    $3,034,967      7.01         4599
  $ 30001 -  35000    1431     $46,445,911    $3,430,231      7.39         4746
  $ 35001 -  40000    1327     $49,795,768    $3,979,402      7.99         4637
  $ 40001 -  45000    1216     $51,661,098    $4,319,469      8.36         4522
  $ 45001 -  50000    1063     $50,522,232    $4,215,841      8.34         4335
  $ 50001 -  75000    3193    $192,996,578   $18,132,712      9.40        13595
  $ 75001 - 100000    1091     $92,732,477   $11,174,633     12.05         4839
  $100001 - 250000     807    $113,531,214   $19,073,658     16.80         3898
  OVER $250,000        141     $69,483,408   $19,018,242     27.37          640

                    ______________________________________________________________
  TOTAL              27486    $860,926,285   $93,693,997     10.88        67837
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.8           0.0                    0.4
  $     1  -  5000    17.8             1.5           0.1                    3.0
  $  5001 -  10000    12.8             3.0           0.9                    6.0
  $ 10001 -  15000    10.1             4.0           1.6                    7.5
  $ 15001 -  20000     8.7             4.8           2.4                    7.9
  $ 20001 -  25000     7.0             5.0           2.8                    7.6
  $ 25001 -  30000     5.8             5.0           3.2                    6.8
  $ 30001 -  35000     5.2             5.4           3.7                    7.0
  $ 35001 -  40000     4.8             5.8           4.2                    6.8
  $ 40001 -  45000     4.4             6.0           4.6                    6.7
  $ 45001 -  50000     3.9             5.9           4.5                    6.4
  $ 50001 -  75000    11.6            22.4          19.4                   20.0
  $ 75001 - 100000     4.0            10.8          11.9                    7.1
  $100001 - 250000     2.9            13.2          20.4                    5.7
  OVER $250,000        0.5             8.1          20.3                    0.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-52,887           $68                   2.09
  $     1  -  5000                  $2,573           $26                   0.42
  $  5001 -  10000                  $7,334          $234                   1.16
  $ 10001 -  15000                 $12,440          $525                   1.84
  $ 15001 -  20000                 $17,440          $941                   2.23
  $ 20001 -  25000                 $22,450        $1,382                   2.70
  $ 25001 -  30000                 $27,386        $1,918                   2.91
  $ 30001 -  35000                 $32,457        $2,397                   3.32
  $ 35001 -  40000                 $37,525        $2,999                   3.49
  $ 40001 -  45000                 $42,484        $3,552                   3.72
  $ 45001 -  50000                 $47,528        $3,966                   4.08
  $ 50001 -  75000                 $60,444        $5,679                   4.26
  $ 75001 - 100000                 $84,998       $10,243                   4.44
  $100001 - 250000                $140,683       $23,635                   4.83
  OVER $250,000                   $492,790      $134,881                   4.54

                    ______________________________________________________________
  TOTAL                            $31,322        $3,409                   2.47
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      OTHER TOWNS
                        _________________________________________________
  UNDER $1             585    $-16,006,098       $12,281     -0.08         1403
  $     1  -  5000    7737     $20,174,168      $188,991      0.94         4555
  $  5001 -  10000    5745     $42,587,326    $1,064,543      2.50         8043
  $ 10001 -  15000    4947     $61,583,805    $2,269,806      3.69        10205
  $ 15001 -  20000    4216     $73,525,440    $3,604,083      4.90        10624
  $ 20001 -  25000    3607     $80,762,735    $4,811,613      5.96        10308
  $ 25001 -  30000    3113     $85,471,849    $5,746,080      6.72        10121
  $ 30001 -  35000    2780     $90,197,505    $6,747,844      7.48         9741
  $ 35001 -  40000    2497     $93,530,080    $7,655,513      8.19         9144
  $ 40001 -  45000    2373    $100,765,127    $8,703,626      8.64         9190
  $ 45001 -  50000    1929     $91,518,432    $8,262,228      9.03         7693
  $ 50001 -  75000    5504    $329,792,936   $34,381,440     10.43        21972
  $ 75001 - 100000    1238    $104,663,960   $14,549,388     13.90         4693
  $100001 - 250000     612     $83,444,865   $15,267,410     18.30         2335
  OVER $250,000         89     $54,318,782   $16,419,438     30.23          329

                    ______________________________________________________________
  TOTAL              46972  $1,296,330,912  $129,684,284     10.00       120356
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.2            -1.2           0.0                    1.2
  $     1  -  5000    16.5             1.6           0.1                    3.8
  $  5001 -  10000    12.2             3.3           0.8                    6.7
  $ 10001 -  15000    10.5             4.8           1.8                    8.5
  $ 15001 -  20000     9.0             5.7           2.8                    8.8
  $ 20001 -  25000     7.7             6.2           3.7                    8.6
  $ 25001 -  30000     6.6             6.6           4.4                    8.4
  $ 30001 -  35000     5.9             7.0           5.2                    8.1
  $ 35001 -  40000     5.3             7.2           5.9                    7.6
  $ 40001 -  45000     5.1             7.8           6.7                    7.6
  $ 45001 -  50000     4.1             7.1           6.4                    6.4
  $ 50001 -  75000    11.7            25.4          26.5                   18.3
  $ 75001 - 100000     2.6             8.1          11.2                    3.9
  $100001 - 250000     1.3             6.4          11.8                    1.9
  OVER $250,000        0.2             4.2          12.7                    0.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-27,361           $21                   2.40
  $     1  -  5000                  $2,607           $24                   0.59
  $  5001 -  10000                  $7,413          $185                   1.40
  $ 10001 -  15000                 $12,449          $459                   2.06
  $ 15001 -  20000                 $17,440          $855                   2.52
  $ 20001 -  25000                 $22,391        $1,334                   2.86
  $ 25001 -  30000                 $27,456        $1,846                   3.25
  $ 30001 -  35000                 $32,445        $2,427                   3.50
  $ 35001 -  40000                 $37,457        $3,066                   3.66
  $ 40001 -  45000                 $42,463        $3,668                   3.87
  $ 45001 -  50000                 $47,443        $4,283                   3.99
  $ 50001 -  75000                 $59,919        $6,247                   3.99
  $ 75001 - 100000                 $84,543       $11,752                   3.79
  $100001 - 250000                $136,348       $24,947                   3.82
  OVER $250,000                   $610,323      $184,488                   3.70

                    ______________________________________________________________
  TOTAL                            $27,598        $2,761                   2.56
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      PANGIUTCH UT
                        _________________________________________________
  UNDER $ 5,000        198        $225,329        $2,358      1.05          106
  $  5001 -  10000     116        $864,211       $17,068      1.97          175
  $ 10001 -  15000      93      $1,186,334       $40,613      3.42          230
  $ 15001 -  20000      78      $1,380,390       $69,624      5.04          212
  $ 20001 -  25000      61      $1,365,322       $75,663      5.54          175
  $ 25001 -  30000      43      $1,185,142       $79,813      6.73          135
  $ 30001 -  35000      39      $1,259,785       $93,023      7.38          131
  $ 35001 -  40000      50      $1,868,391      $148,846      7.97          202
  $ 40001 -  45000      32      $1,369,960      $126,653      9.25          107
  $ 45001 -  50000      18        $858,823       $79,487      9.26           58
  $ 50001 -  75000      37      $2,217,434      $228,668     10.31          155
  $ 75001 - 250000      17      $1,877,676      $348,644     18.57           65

                    ______________________________________________________________
  TOTAL                782     $15,658,797    $1,310,460      8.37         1751
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       25.3             1.4           0.2                    6.1
  $  5001 -  10000    14.8             5.5           1.3                   10.0
  $ 10001 -  15000    11.9             7.6           3.1                   13.1
  $ 15001 -  20000    10.0             8.8           5.3                   12.1
  $ 20001 -  25000     7.8             8.7           5.8                   10.0
  $ 25001 -  30000     5.5             7.6           6.1                    7.7
  $ 30001 -  35000     5.0             8.0           7.1                    7.5
  $ 35001 -  40000     6.4            11.9          11.4                   11.5
  $ 40001 -  45000     4.1             8.7           9.7                    6.1
  $ 45001 -  50000     2.3             5.5           6.1                    3.3
  $ 50001 -  75000     4.7            14.2          17.4                    8.9
  $ 75001 - 250000     2.2            12.0          26.6                    3.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,138           $12                   0.54
  $  5001 -  10000                  $7,450          $147                   1.51
  $ 10001 -  15000                 $12,756          $437                   2.47
  $ 15001 -  20000                 $17,697          $893                   2.72
  $ 20001 -  25000                 $22,382        $1,240                   2.87
  $ 25001 -  30000                 $27,561        $1,856                   3.14
  $ 30001 -  35000                 $32,302        $2,385                   3.36
  $ 35001 -  40000                 $37,368        $2,977                   4.04
  $ 40001 -  45000                 $42,811        $3,958                   3.34
  $ 45001 -  50000                 $47,712        $4,416                   3.22
  $ 50001 -  75000                 $59,931        $6,180                   4.19
  $ 75001 - 250000                $110,452       $20,508                   3.82

                    ______________________________________________________________
  TOTAL                            $20,024        $1,676                   2.24
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      PARK CITY UT
                        _________________________________________________
  UNDER $1              73     $-3,166,845        $1,235     -0.04          115
  $     1  -  5000     827      $1,947,629       $57,225      2.94          277
  $  5001 -  10000     743      $5,566,141      $203,994      3.66          715
  $ 10001 -  15000     672      $8,379,844      $524,570      6.26          850
  $ 15001 -  20000     577     $10,073,828      $783,554      7.78          815
  $ 20001 -  25000     416      $9,337,427      $810,030      8.68          655
  $ 25001 -  30000     350      $9,614,430      $849,824      8.84          619
  $ 30001 -  35000     261      $8,491,282      $815,848      9.61          464
  $ 35001 -  40000     244      $9,165,836      $914,555      9.98          511
  $ 40001 -  45000     212      $9,001,562      $919,016     10.21          475
  $ 45001 -  50000     186      $8,861,126      $929,133     10.49          422
  $ 50001 -  75000     850     $52,498,807    $5,899,282     11.24         2355
  $ 75001 - 100000     554     $47,834,951    $6,405,598     13.39         1704
  $100001 - 250000     913    $134,163,420   $24,384,950     18.18         2814
  OVER $250,000        163    $113,430,391   $34,638,540     30.54          475

                    ______________________________________________________________
  TOTAL               7041    $425,199,829   $78,137,354     18.38        13266
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.0            -0.7           0.0                    0.9
  $     1  -  5000    11.7             0.5           0.1                    2.1
  $  5001 -  10000    10.6             1.3           0.3                    5.4
  $ 10001 -  15000     9.5             2.0           0.7                    6.4
  $ 15001 -  20000     8.2             2.4           1.0                    6.1
  $ 20001 -  25000     5.9             2.2           1.0                    4.9
  $ 25001 -  30000     5.0             2.3           1.1                    4.7
  $ 30001 -  35000     3.7             2.0           1.0                    3.5
  $ 35001 -  40000     3.5             2.2           1.2                    3.9
  $ 40001 -  45000     3.0             2.1           1.2                    3.6
  $ 45001 -  50000     2.6             2.1           1.2                    3.2
  $ 50001 -  75000    12.1            12.3           7.5                   17.8
  $ 75001 - 100000     7.9            11.2           8.2                   12.8
  $100001 - 250000    13.0            31.6          31.2                   21.2
  OVER $250,000        2.3            26.7          44.3                    3.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-43,381           $17                   1.58
  $     1  -  5000                  $2,355           $69                   0.33
  $  5001 -  10000                  $7,491          $275                   0.96
  $ 10001 -  15000                 $12,470          $781                   1.26
  $ 15001 -  20000                 $17,459        $1,358                   1.41
  $ 20001 -  25000                 $22,446        $1,947                   1.57
  $ 25001 -  30000                 $27,470        $2,428                   1.77
  $ 30001 -  35000                 $32,534        $3,126                   1.78
  $ 35001 -  40000                 $37,565        $3,748                   2.09
  $ 40001 -  45000                 $42,460        $4,335                   2.24
  $ 45001 -  50000                 $47,640        $4,995                   2.27
  $ 50001 -  75000                 $61,763        $6,940                   2.77
  $ 75001 - 100000                 $86,345       $11,562                   3.08
  $100001 - 250000                $146,948       $26,709                   3.08
  OVER $250,000                   $695,892      $212,506                   2.91

                    ______________________________________________________________
  TOTAL                            $60,389       $11,097                   1.88
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      PAROWAN UT
                        _________________________________________________
  UNDER $1              11       $-175,993             .       .             29
  $     1  -  5000     133        $338,442        $1,600      0.47          101
  $  5001 -  10000     121        $889,718       $20,951      2.35          183
  $ 10001 -  15000     127      $1,617,540       $52,539      3.25          268
  $ 15001 -  20000      97      $1,667,616       $69,701      4.18          251
  $ 20001 -  25000      87      $1,965,759      $112,915      5.74          255
  $ 25001 -  30000      74      $2,024,207      $140,064      6.92          226
  $ 30001 -  35000      37      $1,207,276       $84,665      7.01          138
  $ 35001 -  40000      46      $1,711,681      $142,510      8.33          173
  $ 40001 -  45000      26      $1,110,020       $91,514      8.24           96
  $ 45001 -  50000      26      $1,237,674      $115,242      9.31           98
  $ 50001 -  75000      77      $4,553,849      $483,529     10.62          284
  $ 75001 - 250000      17      $1,751,714      $284,332     16.23           57

                    ______________________________________________________________
  TOTAL                879     $19,899,503    $1,599,562      8.04         2159
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.3            -0.9            .                     1.3
  $     1  -  5000    15.1             1.7           0.1                    4.7
  $  5001 -  10000    13.8             4.5           1.3                    8.5
  $ 10001 -  15000    14.4             8.1           3.3                   12.4
  $ 15001 -  20000    11.0             8.4           4.4                   11.6
  $ 20001 -  25000     9.9             9.9           7.1                   11.8
  $ 25001 -  30000     8.4            10.2           8.8                   10.5
  $ 30001 -  35000     4.2             6.1           5.3                    6.4
  $ 35001 -  40000     5.2             8.6           8.9                    8.0
  $ 40001 -  45000     3.0             5.6           5.7                    4.4
  $ 45001 -  50000     3.0             6.2           7.2                    4.5
  $ 50001 -  75000     8.8            22.9          30.2                   13.2
  $ 75001 - 250000     1.9             8.8          17.8                    2.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-15,999             .                   2.64
  $     1  -  5000                  $2,545           $12                   0.76
  $  5001 -  10000                  $7,353          $173                   1.51
  $ 10001 -  15000                 $12,737          $414                   2.11
  $ 15001 -  20000                 $17,192          $719                   2.59
  $ 20001 -  25000                 $22,595        $1,298                   2.93
  $ 25001 -  30000                 $27,354        $1,893                   3.05
  $ 30001 -  35000                 $32,629        $2,288                   3.73
  $ 35001 -  40000                 $37,210        $3,098                   3.76
  $ 40001 -  45000                 $42,693        $3,520                   3.69
  $ 45001 -  50000                 $47,603        $4,432                   3.77
  $ 50001 -  75000                 $59,141        $6,280                   3.69
  $ 75001 - 250000                $103,042       $16,725                   3.35

                    ______________________________________________________________
  TOTAL                            $22,639        $1,820                   2.46
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      PAYSON UT
                        _________________________________________________
  UNDER $1              30       $-411,182          $928     -0.23           67
  $     1  -  5000     702      $1,883,850       $13,410      0.71          339
  $  5001 -  10000     561      $4,186,411      $131,140      3.13          656
  $ 10001 -  15000     455      $5,645,774      $230,640      4.09          872
  $ 15001 -  20000     425      $7,394,532      $375,084      5.07         1017
  $ 20001 -  25000     391      $8,737,755      $540,491      6.19         1107
  $ 25001 -  30000     323      $8,889,136      $567,695      6.39         1095
  $ 30001 -  35000     344     $11,192,046      $791,862      7.08         1266
  $ 35001 -  40000     320     $12,000,544      $905,612      7.55         1302
  $ 40001 -  45000     269     $11,436,745      $940,896      8.23         1063
  $ 45001 -  50000     189      $8,953,191      $778,654      8.70          764
  $ 50001 -  75000     523     $30,744,501    $3,036,076      9.88         2241
  $ 75001 - 100000     103      $8,547,163    $1,082,448     12.66          449
  OVER $100,000         51      $8,284,676    $1,604,513     19.37          227

                    ______________________________________________________________
  TOTAL               4686    $127,485,142   $10,999,449      8.63        12465
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.3           0.0                    0.5
  $     1  -  5000    15.0             1.5           0.1                    2.7
  $  5001 -  10000    12.0             3.3           1.2                    5.3
  $ 10001 -  15000     9.7             4.4           2.1                    7.0
  $ 15001 -  20000     9.1             5.8           3.4                    8.2
  $ 20001 -  25000     8.3             6.9           4.9                    8.9
  $ 25001 -  30000     6.9             7.0           5.2                    8.8
  $ 30001 -  35000     7.3             8.8           7.2                   10.2
  $ 35001 -  40000     6.8             9.4           8.2                   10.4
  $ 40001 -  45000     5.7             9.0           8.6                    8.5
  $ 45001 -  50000     4.0             7.0           7.1                    6.1
  $ 50001 -  75000    11.2            24.1          27.6                   18.0
  $ 75001 - 100000     2.2             6.7           9.8                    3.6
  OVER $100,000        1.1             6.5          14.6                    1.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-13,706           $31                   2.23
  $     1  -  5000                  $2,684           $19                   0.48
  $  5001 -  10000                  $7,462          $234                   1.17
  $ 10001 -  15000                 $12,408          $507                   1.92
  $ 15001 -  20000                 $17,399          $883                   2.39
  $ 20001 -  25000                 $22,347        $1,382                   2.83
  $ 25001 -  30000                 $27,521        $1,758                   3.39
  $ 30001 -  35000                 $32,535        $2,302                   3.68
  $ 35001 -  40000                 $37,502        $2,830                   4.07
  $ 40001 -  45000                 $42,516        $3,498                   3.95
  $ 45001 -  50000                 $47,371        $4,120                   4.04
  $ 50001 -  75000                 $58,785        $5,805                   4.28
  $ 75001 - 100000                 $82,982       $10,509                   4.36
  OVER $100,000                   $162,445       $31,461                   4.45

                    ______________________________________________________________
  TOTAL                            $27,206        $2,347                   2.66
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      PLEASANT GROVE UT
                        _________________________________________________
  UNDER $1              18       $-432,071             .       .             29
  $     1  -  5000     987      $2,495,982       $20,415      0.82          348
  $  5001 -  10000     798      $5,894,601      $192,957      3.27          857
  $ 10001 -  15000     646      $8,046,633      $348,417      4.33         1190
  $ 15001 -  20000     507      $8,823,669      $473,665      5.37         1135
  $ 20001 -  25000     402      $8,999,521      $537,922      5.98         1119
  $ 25001 -  30000     385     $10,608,433      $723,458      6.82         1155
  $ 30001 -  35000     408     $13,260,278      $930,771      7.02         1435
  $ 35001 -  40000     384     $14,378,473    $1,024,828      7.13         1533
  $ 40001 -  45000     392     $16,673,781    $1,339,136      8.03         1562
  $ 45001 -  50000     330     $15,659,111    $1,327,300      8.48         1359
  $ 50001 -  75000     996     $59,395,718    $5,719,479      9.63         4097
  $ 75001 - 100000     220     $18,678,617    $2,395,630     12.83          912
  $100001 - 250000     134     $19,094,608    $3,409,344     17.86          604
  OVER $250,000         19      $6,967,132    $1,751,789     25.14           74

                    ______________________________________________________________
  TOTAL               6626    $208,544,486   $20,195,111      9.68        17409
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.3            -0.2            .                     0.2
  $     1  -  5000    14.9             1.2           0.1                    2.0
  $  5001 -  10000    12.0             2.8           1.0                    4.9
  $ 10001 -  15000     9.7             3.9           1.7                    6.8
  $ 15001 -  20000     7.7             4.2           2.3                    6.5
  $ 20001 -  25000     6.1             4.3           2.7                    6.4
  $ 25001 -  30000     5.8             5.1           3.6                    6.6
  $ 30001 -  35000     6.2             6.4           4.6                    8.2
  $ 35001 -  40000     5.8             6.9           5.1                    8.8
  $ 40001 -  45000     5.9             8.0           6.6                    9.0
  $ 45001 -  50000     5.0             7.5           6.6                    7.8
  $ 50001 -  75000    15.0            28.5          28.3                   23.5
  $ 75001 - 100000     3.3             9.0          11.9                    5.2
  $100001 - 250000     2.0             9.2          16.9                    3.5
  OVER $250,000        0.3             3.3           8.7                    0.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-24,004             .                   1.61
  $     1  -  5000                  $2,529           $21                   0.35
  $  5001 -  10000                  $7,387          $242                   1.07
  $ 10001 -  15000                 $12,456          $539                   1.84
  $ 15001 -  20000                 $17,404          $934                   2.24
  $ 20001 -  25000                 $22,387        $1,338                   2.78
  $ 25001 -  30000                 $27,554        $1,879                   3.00
  $ 30001 -  35000                 $32,501        $2,281                   3.52
  $ 35001 -  40000                 $37,444        $2,669                   3.99
  $ 40001 -  45000                 $42,535        $3,416                   3.98
  $ 45001 -  50000                 $47,452        $4,022                   4.12
  $ 50001 -  75000                 $59,634        $5,742                   4.11
  $ 75001 - 100000                 $84,903       $10,889                   4.15
  $100001 - 250000                $142,497       $25,443                   4.51
  OVER $250,000                   $366,691       $92,199                   3.89

                    ______________________________________________________________
  TOTAL                            $31,474        $3,048                   2.63
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      PLEASANT VIEW UT
                        _________________________________________________
  UNDER $ 5,000        144        $308,019        $5,007      1.63           39
  $  5001 -  10000      91        $662,692       $27,732      4.18           65
  $ 10001 -  15000      59        $718,392       $37,663      5.24           91
  $ 15001 -  20000      52        $910,862       $57,398      6.30          110
  $ 20001 -  25000      37        $853,512       $68,749      8.05           70
  $ 25001 -  30000      35        $981,752       $75,024      7.64           81
  $ 30001 -  35000      32      $1,041,804       $77,727      7.46           90
  $ 35001 -  40000      26        $990,250       $88,641      8.95           81
  $ 40001 -  45000      48      $2,032,379      $167,656      8.25          172
  $ 45001 -  50000      38      $1,805,406      $171,030      9.47          125
  $ 50001 -  75000     167     $10,192,843      $971,939      9.54          652
  $ 75001 - 100000      74      $6,332,012      $803,216     12.69          285
  OVER $100,000         66      $9,858,754    $1,811,700     18.38          282

                    ______________________________________________________________
  TOTAL                869     $36,688,677    $4,363,482     11.89         2143
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       16.6             0.8           0.1                    1.8
  $  5001 -  10000    10.5             1.8           0.6                    3.0
  $ 10001 -  15000     6.8             2.0           0.9                    4.2
  $ 15001 -  20000     6.0             2.5           1.3                    5.1
  $ 20001 -  25000     4.3             2.3           1.6                    3.3
  $ 25001 -  30000     4.0             2.7           1.7                    3.8
  $ 30001 -  35000     3.7             2.8           1.8                    4.2
  $ 35001 -  40000     3.0             2.7           2.0                    3.8
  $ 40001 -  45000     5.5             5.5           3.8                    8.0
  $ 45001 -  50000     4.4             4.9           3.9                    5.8
  $ 50001 -  75000    19.2            27.8          22.3                   30.4
  $ 75001 - 100000     8.5            17.3          18.4                   13.3
  OVER $100,000        7.6            26.9          41.5                   13.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,139           $35                   0.27
  $  5001 -  10000                  $7,282          $305                   0.71
  $ 10001 -  15000                 $12,176          $638                   1.54
  $ 15001 -  20000                 $17,517        $1,104                   2.12
  $ 20001 -  25000                 $23,068        $1,858                   1.89
  $ 25001 -  30000                 $28,050        $2,144                   2.31
  $ 30001 -  35000                 $32,556        $2,429                   2.81
  $ 35001 -  40000                 $38,087        $3,409                   3.12
  $ 40001 -  45000                 $42,341        $3,493                   3.58
  $ 45001 -  50000                 $47,511        $4,501                   3.29
  $ 50001 -  75000                 $61,035        $5,820                   3.90
  $ 75001 - 100000                 $85,568       $10,854                   3.85
  OVER $100,000                   $149,375       $27,450                   4.27

                    ______________________________________________________________
  TOTAL                            $42,219        $5,021                   2.47
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      PRICE UT
                        _________________________________________________
  UNDER $1              29       $-316,264             .       .             59
  $     1  -  5000     825      $2,112,955       $16,614      0.79          605
  $  5001 -  10000     595      $4,440,540      $109,751      2.47          783
  $ 10001 -  15000     437      $5,354,333      $195,475      3.65          799
  $ 15001 -  20000     384      $6,703,322      $362,130      5.40          825
  $ 20001 -  25000     286      $6,422,202      $431,524      6.72          709
  $ 25001 -  30000     300      $8,232,613      $670,422      8.14          763
  $ 30001 -  35000     248      $8,048,041      $692,473      8.60          704
  $ 35001 -  40000     220      $8,217,459      $754,141      9.18          687
  $ 40001 -  45000     238     $10,094,072    $1,000,452      9.91          747
  $ 45001 -  50000     205      $9,739,946      $950,365      9.76          719
  $ 50001 -  75000     703     $42,786,706    $4,915,811     11.49         2561
  $ 75001 - 100000     179     $15,207,912    $2,238,755     14.72          653
  OVER $100,000         88     $13,957,966    $2,959,537     21.20          339

                    ______________________________________________________________
  TOTAL               4737    $141,001,803   $15,297,450     10.85        10953
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.2            .                     0.5
  $     1  -  5000    17.4             1.5           0.1                    5.5
  $  5001 -  10000    12.6             3.1           0.7                    7.1
  $ 10001 -  15000     9.2             3.8           1.3                    7.3
  $ 15001 -  20000     8.1             4.8           2.4                    7.5
  $ 20001 -  25000     6.0             4.6           2.8                    6.5
  $ 25001 -  30000     6.3             5.8           4.4                    7.0
  $ 30001 -  35000     5.2             5.7           4.5                    6.4
  $ 35001 -  40000     4.6             5.8           4.9                    6.3
  $ 40001 -  45000     5.0             7.2           6.5                    6.8
  $ 45001 -  50000     4.3             6.9           6.2                    6.6
  $ 50001 -  75000    14.8            30.3          32.1                   23.4
  $ 75001 - 100000     3.8            10.8          14.6                    6.0
  OVER $100,000        1.9             9.9          19.3                    3.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-10,906             .                   2.03
  $     1  -  5000                  $2,561           $20                   0.73
  $  5001 -  10000                  $7,463          $184                   1.32
  $ 10001 -  15000                 $12,252          $447                   1.83
  $ 15001 -  20000                 $17,457          $943                   2.15
  $ 20001 -  25000                 $22,455        $1,509                   2.48
  $ 25001 -  30000                 $27,442        $2,235                   2.54
  $ 30001 -  35000                 $32,452        $2,792                   2.84
  $ 35001 -  40000                 $37,352        $3,428                   3.12
  $ 40001 -  45000                 $42,412        $4,204                   3.14
  $ 45001 -  50000                 $47,512        $4,636                   3.51
  $ 50001 -  75000                 $60,863        $6,993                   3.64
  $ 75001 - 100000                 $84,960       $12,507                   3.65
  OVER $100,000                   $158,613       $33,631                   3.85

                    ______________________________________________________________
  TOTAL                            $29,766        $3,229                   2.31
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      PROVIDENCE UT
                        _________________________________________________
  UNDER $ 5,000        252        $557,294        $8,343      1.50           69
  $  5001 -  10000     157      $1,140,940       $45,589      4.00          129
  $ 10001 -  15000     106      $1,313,694       $63,894      4.86          150
  $ 15001 -  20000      72      $1,283,764       $75,539      5.88          147
  $ 20001 -  25000      62      $1,399,966       $86,301      6.16          164
  $ 25001 -  30000      60      $1,648,923      $120,778      7.32          162
  $ 30001 -  35000      66      $2,133,294      $155,079      7.27          239
  $ 35001 -  40000      74      $2,764,775      $217,076      7.85          267
  $ 40001 -  45000      57      $2,433,208      $177,916      7.31          265
  $ 45001 -  50000      71      $3,385,116      $290,078      8.57          273
  $ 50001 -  75000     248     $15,067,617    $1,474,847      9.79         1020
  $ 75001 - 100000      82      $6,942,879      $860,212     12.39          342
  OVER $100,000         74     $13,498,121    $2,806,427     20.79          293

                    ______________________________________________________________
  TOTAL               1381     $53,569,591    $6,382,079     11.91         3520
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       18.2             1.0           0.1                    2.0
  $  5001 -  10000    11.4             2.1           0.7                    3.7
  $ 10001 -  15000     7.7             2.5           1.0                    4.3
  $ 15001 -  20000     5.2             2.4           1.2                    4.2
  $ 20001 -  25000     4.5             2.6           1.4                    4.7
  $ 25001 -  30000     4.3             3.1           1.9                    4.6
  $ 30001 -  35000     4.8             4.0           2.4                    6.8
  $ 35001 -  40000     5.4             5.2           3.4                    7.6
  $ 40001 -  45000     4.1             4.5           2.8                    7.5
  $ 45001 -  50000     5.1             6.3           4.5                    7.8
  $ 50001 -  75000    18.0            28.1          23.1                   29.0
  $ 75001 - 100000     5.9            13.0          13.5                    9.7
  OVER $100,000        5.4            25.2          44.0                    8.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,211           $33                   0.27
  $  5001 -  10000                  $7,267          $290                   0.82
  $ 10001 -  15000                 $12,393          $603                   1.42
  $ 15001 -  20000                 $17,830        $1,049                   2.04
  $ 20001 -  25000                 $22,580        $1,392                   2.65
  $ 25001 -  30000                 $27,482        $2,013                   2.70
  $ 30001 -  35000                 $32,323        $2,350                   3.62
  $ 35001 -  40000                 $37,362        $2,933                   3.61
  $ 40001 -  45000                 $42,688        $3,121                   4.65
  $ 45001 -  50000                 $47,678        $4,086                   3.85
  $ 50001 -  75000                 $60,757        $5,947                   4.11
  $ 75001 - 100000                 $84,669       $10,490                   4.17
  OVER $100,000                   $182,407       $37,925                   3.96

                    ______________________________________________________________
  TOTAL                            $38,790        $4,621                   2.55
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      PROVO UT
                        _________________________________________________
  UNDER $1             224     $-5,654,757       $11,263     -0.20          360
  $     1  -  5000    5650     $15,559,995      $121,624      0.78         3586
  $  5001 -  10000    5633     $41,384,744    $1,047,855      2.53         7084
  $ 10001 -  15000    4256     $52,817,408    $2,072,764      3.92         7876
  $ 15001 -  20000    3170     $54,925,410    $3,019,692      5.50         6918
  $ 20001 -  25000    2358     $52,722,283    $3,564,846      6.76         5678
  $ 25001 -  30000    1799     $49,323,532    $3,732,770      7.57         4705
  $ 30001 -  35000    1421     $46,117,103    $3,752,411      8.14         4116
  $ 35001 -  40000    1073     $40,140,160    $3,500,512      8.72         3307
  $ 40001 -  45000     883     $37,413,418    $3,403,540      9.10         2876
  $ 45001 -  50000     710     $33,632,607    $3,130,319      9.31         2449
  $ 50001 -  75000    1983    $119,805,931   $12,252,240     10.23         7248
  $ 75001 - 100000     756     $64,559,326    $8,266,278     12.80         2895
  $100001 - 250000     617     $86,808,116   $15,080,362     17.37         2374
  OVER $250,000        133     $72,302,045   $20,318,575     28.10          514

                    ______________________________________________________________
  TOTAL              30666    $761,857,321   $83,275,051     10.93        61986
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.7           0.0                    0.6
  $     1  -  5000    18.4             2.0           0.1                    5.8
  $  5001 -  10000    18.4             5.4           1.3                   11.4
  $ 10001 -  15000    13.9             6.9           2.5                   12.7
  $ 15001 -  20000    10.3             7.2           3.6                   11.2
  $ 20001 -  25000     7.7             6.9           4.3                    9.2
  $ 25001 -  30000     5.9             6.5           4.5                    7.6
  $ 30001 -  35000     4.6             6.1           4.5                    6.6
  $ 35001 -  40000     3.5             5.3           4.2                    5.3
  $ 40001 -  45000     2.9             4.9           4.1                    4.6
  $ 45001 -  50000     2.3             4.4           3.8                    4.0
  $ 50001 -  75000     6.5            15.7          14.7                   11.7
  $ 75001 - 100000     2.5             8.5           9.9                    4.7
  $100001 - 250000     2.0            11.4          18.1                    3.8
  OVER $250,000        0.4             9.5          24.4                    0.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-25,244           $50                   1.61
  $     1  -  5000                  $2,754           $22                   0.63
  $  5001 -  10000                  $7,347          $186                   1.26
  $ 10001 -  15000                 $12,410          $487                   1.85
  $ 15001 -  20000                 $17,327          $953                   2.18
  $ 20001 -  25000                 $22,359        $1,512                   2.41
  $ 25001 -  30000                 $27,417        $2,075                   2.62
  $ 30001 -  35000                 $32,454        $2,641                   2.90
  $ 35001 -  40000                 $37,409        $3,262                   3.08
  $ 40001 -  45000                 $42,371        $3,855                   3.26
  $ 45001 -  50000                 $47,370        $4,409                   3.45
  $ 50001 -  75000                 $60,417        $6,179                   3.66
  $ 75001 - 100000                 $85,396       $10,934                   3.83
  $100001 - 250000                $140,694       $24,441                   3.85
  OVER $250,000                   $543,624      $152,771                   3.86

                    ______________________________________________________________
  TOTAL                            $24,844        $2,716                   2.02
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      RICHFIELD UT
                        _________________________________________________
  UNDER $ 5,000        459        $992,775       $14,201      1.43          245
  $  5001 -  10000     329      $2,445,415       $69,834      2.86          406
  $ 10001 -  15000     266      $3,314,628      $103,591      3.13          571
  $ 15001 -  20000     191      $3,317,748      $165,377      4.98          438
  $ 20001 -  25000     173      $3,904,362      $235,067      6.02          486
  $ 25001 -  30000     146      $4,022,394      $275,192      6.84          456
  $ 30001 -  35000     105      $3,403,213      $254,260      7.47          345
  $ 35001 -  40000     121      $4,543,005      $388,341      8.55          404
  $ 40001 -  45000     116      $4,950,200      $448,825      9.07          405
  $ 45001 -  50000      88      $4,196,217      $395,503      9.43          322
  $ 50001 -  75000     280     $16,767,866    $1,772,910     10.57         1094
  $ 75001 - 100000      64      $5,457,412      $735,055     13.47          253
  OVER $100,000         58      $8,751,212    $1,706,541     19.50          258

                    ______________________________________________________________
  TOTAL               2396     $66,066,447    $6,564,697      9.94         5683
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       19.2             1.5           0.2                    4.3
  $  5001 -  10000    13.7             3.7           1.1                    7.1
  $ 10001 -  15000    11.1             5.0           1.6                   10.0
  $ 15001 -  20000     8.0             5.0           2.5                    7.7
  $ 20001 -  25000     7.2             5.9           3.6                    8.6
  $ 25001 -  30000     6.1             6.1           4.2                    8.0
  $ 30001 -  35000     4.4             5.2           3.9                    6.1
  $ 35001 -  40000     5.1             6.9           5.9                    7.1
  $ 40001 -  45000     4.8             7.5           6.8                    7.1
  $ 45001 -  50000     3.7             6.4           6.0                    5.7
  $ 50001 -  75000    11.7            25.4          27.0                   19.3
  $ 75001 - 100000     2.7             8.3          11.2                    4.5
  OVER $100,000        2.4            13.2          26.0                    4.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,163           $31                   0.53
  $  5001 -  10000                  $7,433          $212                   1.23
  $ 10001 -  15000                 $12,461          $389                   2.15
  $ 15001 -  20000                 $17,370          $866                   2.29
  $ 20001 -  25000                 $22,569        $1,359                   2.81
  $ 25001 -  30000                 $27,551        $1,885                   3.12
  $ 30001 -  35000                 $32,412        $2,422                   3.29
  $ 35001 -  40000                 $37,545        $3,209                   3.34
  $ 40001 -  45000                 $42,674        $3,869                   3.49
  $ 45001 -  50000                 $47,684        $4,494                   3.66
  $ 50001 -  75000                 $59,885        $6,332                   3.91
  $ 75001 - 100000                 $85,272       $11,485                   3.95
  OVER $100,000                   $150,883       $29,423                   4.45

                    ______________________________________________________________
  TOTAL                            $27,574        $2,740                   2.37
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      RICHMOND UT
                        _________________________________________________
  UNDER $ 5,000        102        $238,585        $3,488      1.46           36
  $  5001 -  10000      75        $553,336       $16,904      3.05           87
  $ 10001 -  15000      86      $1,094,111       $49,311      4.51          157
  $ 15001 -  20000      69      $1,198,872       $67,119      5.60          146
  $ 20001 -  25000      94      $2,124,338      $132,635      6.24          260
  $ 25001 -  30000      74      $2,055,095      $135,370      6.59          245
  $ 30001 -  35000      57      $1,850,666      $129,419      6.99          213
  $ 35001 -  40000      54      $2,006,349      $155,741      7.76          213
  $ 40001 -  45000      51      $2,155,374      $174,806      8.11          215
  $ 45001 -  50000      31      $1,465,212      $133,782      9.13          118
  $ 50001 -  75000      77      $4,548,729      $459,411     10.10          291
  $ 75001 - 100000      23      $1,910,062      $261,768     13.70           94
  OVER $100,000         10      $1,991,715      $450,368     22.61           32

                    ______________________________________________________________
  TOTAL                803     $23,192,444    $2,170,122      9.36         2107
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       12.7             1.0           0.2                    1.7
  $  5001 -  10000     9.3             2.4           0.8                    4.1
  $ 10001 -  15000    10.7             4.7           2.3                    7.5
  $ 15001 -  20000     8.6             5.2           3.1                    6.9
  $ 20001 -  25000    11.7             9.2           6.1                   12.3
  $ 25001 -  30000     9.2             8.9           6.2                   11.6
  $ 30001 -  35000     7.1             8.0           6.0                   10.1
  $ 35001 -  40000     6.7             8.7           7.2                   10.1
  $ 40001 -  45000     6.4             9.3           8.1                   10.2
  $ 45001 -  50000     3.9             6.3           6.2                    5.6
  $ 50001 -  75000     9.6            19.6          21.2                   13.8
  $ 75001 - 100000     2.9             8.2          12.1                    4.5
  OVER $100,000        1.2             8.6          20.8                    1.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,339           $34                   0.35
  $  5001 -  10000                  $7,378          $225                   1.16
  $ 10001 -  15000                 $12,722          $573                   1.83
  $ 15001 -  20000                 $17,375          $973                   2.12
  $ 20001 -  25000                 $22,599        $1,411                   2.77
  $ 25001 -  30000                 $27,772        $1,829                   3.31
  $ 30001 -  35000                 $32,468        $2,271                   3.74
  $ 35001 -  40000                 $37,155        $2,884                   3.94
  $ 40001 -  45000                 $42,262        $3,428                   4.22
  $ 45001 -  50000                 $47,265        $4,316                   3.81
  $ 50001 -  75000                 $59,074        $5,966                   3.78
  $ 75001 - 100000                 $83,046       $11,381                   4.09
  OVER $100,000                   $199,172       $45,037                   3.20

                    ______________________________________________________________
  TOTAL                            $28,882        $2,703                   2.62
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      RIVERDALE UT
                        _________________________________________________
  UNDER $ 5,000        221        $560,733        $3,418      0.61          120
  $  5001 -  10000     167      $1,244,180       $36,304      2.92          201
  $ 10001 -  15000     151      $1,875,694      $106,037      5.65          212
  $ 15001 -  20000     165      $2,886,135      $193,335      6.70          301
  $ 20001 -  25000     142      $3,210,077      $243,109      7.57          313
  $ 25001 -  30000     137      $3,743,966      $310,493      8.29          324
  $ 30001 -  35000      98      $3,173,936      $282,194      8.89          254
  $ 35001 -  40000      78      $2,907,350      $271,537      9.34          232
  $ 40001 -  45000      82      $3,467,877      $339,657      9.79          244
  $ 45001 -  50000      62      $2,918,297      $290,730      9.96          194
  $ 50001 -  75000     213     $12,745,420    $1,453,140     11.40          674
  $ 75001 - 100000      59      $4,925,315      $683,049     13.87          207
  OVER $100,000         18      $9,539,843    $3,278,539     34.37           45

                    ______________________________________________________________
  TOTAL               1593     $53,198,823    $7,491,542     14.08         3321
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       13.9             1.1           0.0                    3.6
  $  5001 -  10000    10.5             2.3           0.5                    6.1
  $ 10001 -  15000     9.5             3.5           1.4                    6.4
  $ 15001 -  20000    10.4             5.4           2.6                    9.1
  $ 20001 -  25000     8.9             6.0           3.2                    9.4
  $ 25001 -  30000     8.6             7.0           4.1                    9.8
  $ 30001 -  35000     6.2             6.0           3.8                    7.6
  $ 35001 -  40000     4.9             5.5           3.6                    7.0
  $ 40001 -  45000     5.1             6.5           4.5                    7.3
  $ 45001 -  50000     3.9             5.5           3.9                    5.8
  $ 50001 -  75000    13.4            24.0          19.4                   20.3
  $ 75001 - 100000     3.7             9.3           9.1                    6.2
  OVER $100,000        1.1            17.9          43.8                    1.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,537           $15                   0.54
  $  5001 -  10000                  $7,450          $217                   1.20
  $ 10001 -  15000                 $12,422          $702                   1.40
  $ 15001 -  20000                 $17,492        $1,172                   1.82
  $ 20001 -  25000                 $22,606        $1,712                   2.20
  $ 25001 -  30000                 $27,328        $2,266                   2.36
  $ 30001 -  35000                 $32,387        $2,880                   2.59
  $ 35001 -  40000                 $37,274        $3,481                   2.97
  $ 40001 -  45000                 $42,291        $4,142                   2.98
  $ 45001 -  50000                 $47,069        $4,689                   3.13
  $ 50001 -  75000                 $59,838        $6,822                   3.16
  $ 75001 - 100000                 $83,480       $11,577                   3.51
  OVER $100,000                   $529,991      $182,141                   2.50

                    ______________________________________________________________
  TOTAL                            $33,395        $4,703                   2.08
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      RIVERTON UT
                        _________________________________________________
  UNDER $1              19       $-192,044        $4,774     -2.49           56
  $     1  -  5000     952      $2,396,749       $24,324      1.01          257
  $  5001 -  10000     620      $4,550,815      $171,666      3.77          556
  $ 10001 -  15000     490      $6,080,608      $321,023      5.28          740
  $ 15001 -  20000     434      $7,614,128      $456,354      5.99          869
  $ 20001 -  25000     328      $7,364,405      $482,947      6.56          810
  $ 25001 -  30000     350      $9,637,767      $626,266      6.50         1078
  $ 30001 -  35000     358     $11,658,744      $785,917      6.74         1268
  $ 35001 -  40000     416     $15,618,702    $1,136,346      7.28         1541
  $ 40001 -  45000     492     $20,927,587    $1,626,659      7.77         1945
  $ 45001 -  50000     515     $24,433,995    $1,988,238      8.14         2083
  $ 50001 -  75000    1469     $87,997,018    $8,371,898      9.51         5931
  $ 75001 - 100000     336     $28,253,711    $3,721,033     13.17         1316
  $100001 - 250000     134     $17,592,466    $3,171,831     18.03          493
  OVER $250,000         13      $7,529,659    $2,257,545     29.98           44

                    ______________________________________________________________
  TOTAL               6926    $251,464,310   $25,146,821     10.00        18987
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.3            -0.1           0.0                    0.3
  $     1  -  5000    13.7             1.0           0.1                    1.4
  $  5001 -  10000     9.0             1.8           0.7                    2.9
  $ 10001 -  15000     7.1             2.4           1.3                    3.9
  $ 15001 -  20000     6.3             3.0           1.8                    4.6
  $ 20001 -  25000     4.7             2.9           1.9                    4.3
  $ 25001 -  30000     5.1             3.8           2.5                    5.7
  $ 30001 -  35000     5.2             4.6           3.1                    6.7
  $ 35001 -  40000     6.0             6.2           4.5                    8.1
  $ 40001 -  45000     7.1             8.3           6.5                   10.2
  $ 45001 -  50000     7.4             9.7           7.9                   11.0
  $ 50001 -  75000    21.2            35.0          33.3                   31.2
  $ 75001 - 100000     4.9            11.2          14.8                    6.9
  $100001 - 250000     1.9             7.0          12.6                    2.6
  OVER $250,000        0.2             3.0           9.0                    0.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-10,108          $251                   2.95
  $     1  -  5000                  $2,518           $26                   0.27
  $  5001 -  10000                  $7,340          $277                   0.90
  $ 10001 -  15000                 $12,409          $655                   1.51
  $ 15001 -  20000                 $17,544        $1,052                   2.00
  $ 20001 -  25000                 $22,452        $1,472                   2.47
  $ 25001 -  30000                 $27,536        $1,789                   3.08
  $ 30001 -  35000                 $32,566        $2,195                   3.54
  $ 35001 -  40000                 $37,545        $2,732                   3.70
  $ 40001 -  45000                 $42,536        $3,306                   3.95
  $ 45001 -  50000                 $47,445        $3,861                   4.04
  $ 50001 -  75000                 $59,903        $5,699                   4.04
  $ 75001 - 100000                 $84,088       $11,075                   3.92
  $100001 - 250000                $131,287       $23,670                   3.68
  OVER $250,000                   $579,205      $173,657                   3.38

                    ______________________________________________________________
  TOTAL                            $36,307        $3,631                   2.74
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      ROOSEVELT UT
                        _________________________________________________
  UNDER $1              42     $-1,360,925             .       .             85
  $     1  -  5000     515      $1,337,683       $10,341      0.77          453
  $  5001 -  10000     313      $2,292,829       $49,375      2.15          530
  $ 10001 -  15000     279      $3,470,661      $102,655      2.96          665
  $ 15001 -  20000     236      $4,135,168      $165,976      4.01          700
  $ 20001 -  25000     210      $4,696,099      $250,143      5.33          684
  $ 25001 -  30000     213      $5,875,463      $388,031      6.60          725
  $ 30001 -  35000     181      $5,883,876      $439,398      7.47          662
  $ 35001 -  40000     139      $5,210,231      $428,136      8.22          525
  $ 40001 -  45000     112      $4,749,609      $403,593      8.50          435
  $ 45001 -  50000     102      $4,822,231      $430,391      8.93          401
  $ 50001 -  75000     211     $12,440,011    $1,308,102     10.52          841
  $ 75001 - 100000      44      $3,732,353      $482,607     12.93          179
  OVER $100,000         29      $4,443,030      $831,174     18.71          126

                    ______________________________________________________________
  TOTAL               2626     $61,728,319    $5,289,922      8.57         7011
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.6            -2.2            .                     1.2
  $     1  -  5000    19.6             2.2           0.2                    6.5
  $  5001 -  10000    11.9             3.7           0.9                    7.6
  $ 10001 -  15000    10.6             5.6           1.9                    9.5
  $ 15001 -  20000     9.0             6.7           3.1                   10.0
  $ 20001 -  25000     8.0             7.6           4.7                    9.8
  $ 25001 -  30000     8.1             9.5           7.3                   10.3
  $ 30001 -  35000     6.9             9.5           8.3                    9.4
  $ 35001 -  40000     5.3             8.4           8.1                    7.5
  $ 40001 -  45000     4.3             7.7           7.6                    6.2
  $ 45001 -  50000     3.9             7.8           8.1                    5.7
  $ 50001 -  75000     8.0            20.2          24.7                   12.0
  $ 75001 - 100000     1.7             6.0           9.1                    2.6
  OVER $100,000        1.1             7.2          15.7                    1.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-32,403             .                   2.02
  $     1  -  5000                  $2,597           $20                   0.88
  $  5001 -  10000                  $7,325          $158                   1.69
  $ 10001 -  15000                 $12,440          $368                   2.38
  $ 15001 -  20000                 $17,522          $703                   2.97
  $ 20001 -  25000                 $22,362        $1,191                   3.26
  $ 25001 -  30000                 $27,584        $1,822                   3.40
  $ 30001 -  35000                 $32,508        $2,428                   3.66
  $ 35001 -  40000                 $37,484        $3,080                   3.78
  $ 40001 -  45000                 $42,407        $3,604                   3.88
  $ 45001 -  50000                 $47,277        $4,220                   3.93
  $ 50001 -  75000                 $58,957        $6,200                   3.99
  $ 75001 - 100000                 $84,826       $10,968                   4.07
  OVER $100,000                   $153,208       $28,661                   4.34

                    ______________________________________________________________
  TOTAL                            $23,507        $2,014                   2.67
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      ROY UT
                        _________________________________________________
  UNDER $1              44       $-485,814           $62     -0.01           67
  $     1  -  5000    1403      $3,564,514       $25,322      0.71          584
  $  5001 -  10000    1211      $9,104,774      $308,038      3.38         1140
  $ 10001 -  15000    1146     $14,227,011      $721,461      5.07         1699
  $ 15001 -  20000    1022     $17,878,549    $1,112,458      6.22         1929
  $ 20001 -  25000    1008     $22,732,450    $1,643,146      7.23         2218
  $ 25001 -  30000     888     $24,410,285    $1,930,259      7.91         2175
  $ 30001 -  35000     874     $28,324,891    $2,372,147      8.37         2425
  $ 35001 -  40000     847     $31,724,515    $2,798,121      8.82         2584
  $ 40001 -  45000     766     $32,480,807    $3,004,215      9.25         2432
  $ 45001 -  50000     708     $33,594,979    $3,214,828      9.57         2346
  $ 50001 -  75000    1946    $116,763,277   $12,717,259     10.89         6787
  $ 75001 - 100000     377     $31,390,818    $4,481,221     14.28         1312
  $100001 - 250000     119     $15,500,352    $2,901,373     18.72          396
  OVER $250,000         13      $5,593,561    $1,646,705     29.44           49

                    ______________________________________________________________
  TOTAL              12372    $386,804,969   $38,876,615     10.05        28143
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.1           0.0                    0.2
  $     1  -  5000    11.3             0.9           0.1                    2.1
  $  5001 -  10000     9.8             2.4           0.8                    4.1
  $ 10001 -  15000     9.3             3.7           1.9                    6.0
  $ 15001 -  20000     8.3             4.6           2.9                    6.9
  $ 20001 -  25000     8.1             5.9           4.2                    7.9
  $ 25001 -  30000     7.2             6.3           5.0                    7.7
  $ 30001 -  35000     7.1             7.3           6.1                    8.6
  $ 35001 -  40000     6.8             8.2           7.2                    9.2
  $ 40001 -  45000     6.2             8.4           7.7                    8.6
  $ 45001 -  50000     5.7             8.7           8.3                    8.3
  $ 50001 -  75000    15.7            30.2          32.7                   24.1
  $ 75001 - 100000     3.0             8.1          11.5                    4.7
  $100001 - 250000     1.0             4.0           7.5                    1.4
  OVER $250,000        0.1             1.4           4.2                    0.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-11,041            $1                   1.52
  $     1  -  5000                  $2,541           $18                   0.42
  $  5001 -  10000                  $7,518          $254                   0.94
  $ 10001 -  15000                 $12,414          $630                   1.48
  $ 15001 -  20000                 $17,494        $1,089                   1.89
  $ 20001 -  25000                 $22,552        $1,630                   2.20
  $ 25001 -  30000                 $27,489        $2,174                   2.45
  $ 30001 -  35000                 $32,408        $2,714                   2.77
  $ 35001 -  40000                 $37,455        $3,304                   3.05
  $ 40001 -  45000                 $42,403        $3,922                   3.17
  $ 45001 -  50000                 $47,451        $4,541                   3.31
  $ 50001 -  75000                 $60,002        $6,535                   3.49
  $ 75001 - 100000                 $83,265       $11,887                   3.48
  $100001 - 250000                $130,255       $24,381                   3.33
  OVER $250,000                   $430,274      $126,670                   3.77

                    ______________________________________________________________
  TOTAL                            $31,265        $3,142                   2.27
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SALEM UT
                        _________________________________________________
  UNDER $1              11       $-142,251             .       .             20
  $     1  -  5000     247        $634,153       $12,788      2.02           81
  $  5001 -  10000     162      $1,189,075       $43,540      3.66          163
  $ 10001 -  15000     130      $1,632,006       $74,730      4.58          240
  $ 15001 -  20000      96      $1,698,476       $84,584      4.98          230
  $ 20001 -  25000      85      $1,916,257      $106,405      5.55          248
  $ 25001 -  30000      69      $1,889,998      $121,838      6.45          226
  $ 30001 -  35000      96      $3,101,524      $251,400      8.11          302
  $ 35001 -  40000      92      $3,444,935      $252,479      7.33          374
  $ 40001 -  45000      84      $3,563,134      $275,453      7.73          328
  $ 45001 -  50000      67      $3,163,876      $259,613      8.21          280
  $ 50001 -  75000     218     $13,015,060    $1,234,728      9.49          918
  $ 75001 - 100000      43      $3,624,704      $434,560     11.99          225
  OVER $100,000         52     $10,312,280    $2,238,666     21.71          264

                    ______________________________________________________________
  TOTAL               1452     $49,043,227    $5,390,784     10.99         3899
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.8            -0.3            .                     0.5
  $     1  -  5000    17.0             1.3           0.2                    2.1
  $  5001 -  10000    11.2             2.4           0.8                    4.2
  $ 10001 -  15000     9.0             3.3           1.4                    6.2
  $ 15001 -  20000     6.6             3.5           1.6                    5.9
  $ 20001 -  25000     5.9             3.9           2.0                    6.4
  $ 25001 -  30000     4.8             3.9           2.3                    5.8
  $ 30001 -  35000     6.6             6.3           4.7                    7.7
  $ 35001 -  40000     6.3             7.0           4.7                    9.6
  $ 40001 -  45000     5.8             7.3           5.1                    8.4
  $ 45001 -  50000     4.6             6.5           4.8                    7.2
  $ 50001 -  75000    15.0            26.5          22.9                   23.5
  $ 75001 - 100000     3.0             7.4           8.1                    5.8
  OVER $100,000        3.6            21.0          41.5                    6.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-12,932             .                   1.82
  $     1  -  5000                  $2,567           $52                   0.33
  $  5001 -  10000                  $7,340          $269                   1.01
  $ 10001 -  15000                 $12,554          $575                   1.85
  $ 15001 -  20000                 $17,692          $881                   2.40
  $ 20001 -  25000                 $22,544        $1,252                   2.92
  $ 25001 -  30000                 $27,391        $1,766                   3.28
  $ 30001 -  35000                 $32,308        $2,619                   3.15
  $ 35001 -  40000                 $37,445        $2,744                   4.07
  $ 40001 -  45000                 $42,418        $3,279                   3.90
  $ 45001 -  50000                 $47,222        $3,875                   4.18
  $ 50001 -  75000                 $59,702        $5,664                   4.21
  $ 75001 - 100000                 $84,295       $10,106                   5.23
  OVER $100,000                   $198,313       $43,051                   5.08

                    ______________________________________________________________
  TOTAL                            $33,776        $3,713                   2.69
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SALINA UT
                        _________________________________________________
  UNDER $1              14       $-914,487        $1,657     -0.18           30
  $     1  -  5000     131        $329,555        $1,573      0.48           97
  $  5001 -  10000     118        $891,201       $15,129      1.70          167
  $ 10001 -  15000      81      $1,012,741       $31,855      3.15          162
  $ 15001 -  20000      68      $1,175,607       $47,654      4.05          178
  $ 20001 -  25000      67      $1,501,750       $85,712      5.71          203
  $ 25001 -  30000      47      $1,299,367       $91,298      7.03          146
  $ 30001 -  35000      36      $1,172,859       $88,578      7.55          124
  $ 35001 -  40000      36      $1,359,519      $117,172      8.62          134
  $ 40001 -  45000      46      $1,959,394      $165,590      8.45          187
  $ 45001 -  50000      38      $1,793,070      $166,024      9.26          144
  $ 50001 -  75000      77      $4,610,003      $494,056     10.72          314
  $ 75001 - 100000      14      $1,158,987      $176,276     15.21           44
  OVER $100,000         11      $2,683,630      $775,584     28.90           34

                    ______________________________________________________________
  TOTAL                784     $20,033,196    $2,258,158     11.27         1964
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.8            -4.6           0.1                    1.5
  $     1  -  5000    16.7             1.6           0.1                    4.9
  $  5001 -  10000    15.1             4.4           0.7                    8.5
  $ 10001 -  15000    10.3             5.1           1.4                    8.2
  $ 15001 -  20000     8.7             5.9           2.1                    9.1
  $ 20001 -  25000     8.5             7.5           3.8                   10.3
  $ 25001 -  30000     6.0             6.5           4.0                    7.4
  $ 30001 -  35000     4.6             5.9           3.9                    6.3
  $ 35001 -  40000     4.6             6.8           5.2                    6.8
  $ 40001 -  45000     5.9             9.8           7.3                    9.5
  $ 45001 -  50000     4.8             9.0           7.4                    7.3
  $ 50001 -  75000     9.8            23.0          21.9                   16.0
  $ 75001 - 100000     1.8             5.8           7.8                    2.2
  OVER $100,000        1.4            13.4          34.3                    1.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-65,321          $118                   2.14
  $     1  -  5000                  $2,516           $12                   0.74
  $  5001 -  10000                  $7,553          $128                   1.42
  $ 10001 -  15000                 $12,503          $393                   2.00
  $ 15001 -  20000                 $17,288          $701                   2.62
  $ 20001 -  25000                 $22,414        $1,279                   3.03
  $ 25001 -  30000                 $27,646        $1,943                   3.11
  $ 30001 -  35000                 $32,579        $2,461                   3.44
  $ 35001 -  40000                 $37,764        $3,255                   3.72
  $ 40001 -  45000                 $42,596        $3,600                   4.07
  $ 45001 -  50000                 $47,186        $4,369                   3.79
  $ 50001 -  75000                 $59,870        $6,416                   4.08
  $ 75001 - 100000                 $82,785       $12,591                   3.14
  OVER $100,000                   $243,966       $70,508                   3.09

                    ______________________________________________________________
  TOTAL                            $25,553        $2,880                   2.51
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SALT LAKE CITY UT
                        _________________________________________________
  UNDER $1             940    $-31,222,503      $190,972     -0.61         1380
  $     1  -  5000   19849     $51,933,035      $706,083      1.36        11883
  $  5001 -  10000   19870    $149,182,281    $4,337,552      2.91        23121
  $ 10001 -  15000   19802    $247,630,486   $12,509,806      5.05        30386
  $ 15001 -  20000   17514    $304,533,475   $20,297,187      6.67        30709
  $ 20001 -  25000   13657    $305,764,340   $24,194,833      7.91        26029
  $ 25001 -  30000   10967    $300,778,665   $26,135,927      8.69        22597
  $ 30001 -  35000    9099    $294,945,850   $27,492,977      9.32        20466
  $ 35001 -  40000    7779    $291,408,863   $28,907,319      9.92        18747
  $ 40001 -  45000    6475    $274,464,417   $28,326,937     10.32        16568
  $ 45001 -  50000    5312    $251,816,171   $26,779,126     10.63        14531
  $ 50001 -  75000   16140    $977,808,512  $114,605,864     11.72        48002
  $ 75001 - 100000    6285    $537,457,375   $77,224,875     14.37        19648
  $100001 - 250000    6010    $864,715,667  $163,627,334     18.92        19547
  OVER $250,000       1379    $838,694,793  $239,098,889     28.51         4443

                    ______________________________________________________________
  TOTAL             161078  $5,659,911,427  $794,435,681     14.04       308057
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.6           0.0                    0.4
  $     1  -  5000    12.3             0.9           0.1                    3.9
  $  5001 -  10000    12.3             2.6           0.5                    7.5
  $ 10001 -  15000    12.3             4.4           1.6                    9.9
  $ 15001 -  20000    10.9             5.4           2.6                   10.0
  $ 20001 -  25000     8.5             5.4           3.0                    8.4
  $ 25001 -  30000     6.8             5.3           3.3                    7.3
  $ 30001 -  35000     5.6             5.2           3.5                    6.6
  $ 35001 -  40000     4.8             5.1           3.6                    6.1
  $ 40001 -  45000     4.0             4.8           3.6                    5.4
  $ 45001 -  50000     3.3             4.4           3.4                    4.7
  $ 50001 -  75000    10.0            17.3          14.4                   15.6
  $ 75001 - 100000     3.9             9.5           9.7                    6.4
  $100001 - 250000     3.7            15.3          20.6                    6.3
  OVER $250,000        0.9            14.8          30.1                    1.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-33,215          $203                   1.47
  $     1  -  5000                  $2,616           $36                   0.60
  $  5001 -  10000                  $7,508          $218                   1.16
  $ 10001 -  15000                 $12,505          $632                   1.53
  $ 15001 -  20000                 $17,388        $1,159                   1.75
  $ 20001 -  25000                 $22,389        $1,772                   1.91
  $ 25001 -  30000                 $27,426        $2,383                   2.06
  $ 30001 -  35000                 $32,415        $3,022                   2.25
  $ 35001 -  40000                 $37,461        $3,716                   2.41
  $ 40001 -  45000                 $42,388        $4,375                   2.56
  $ 45001 -  50000                 $47,405        $5,041                   2.74
  $ 50001 -  75000                 $60,583        $7,101                   2.97
  $ 75001 - 100000                 $85,514       $12,287                   3.13
  $100001 - 250000                $143,879       $27,226                   3.25
  OVER $250,000                   $608,191      $173,386                   3.22

                    ______________________________________________________________
  TOTAL                            $35,138        $4,932                   1.91
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SANDY UT
                        _________________________________________________
  UNDER $1             179    $-16,869,742       $12,284     -0.07          302
  $     1  -  5000    7056     $17,665,607      $244,884      1.39         1877
  $  5001 -  10000    4521     $33,026,762    $1,381,230      4.18         3453
  $ 10001 -  15000    3242     $40,289,806    $2,309,660      5.73         4417
  $ 15001 -  20000    2838     $49,281,237    $3,309,542      6.72         4952
  $ 20001 -  25000    2161     $48,472,973    $3,475,302      7.17         4578
  $ 25001 -  30000    1984     $54,507,548    $4,202,359      7.71         4789
  $ 30001 -  35000    1785     $57,929,215    $4,618,627      7.97         5016
  $ 35001 -  40000    1911     $71,585,470    $6,152,206      8.59         5890
  $ 40001 -  45000    1771     $75,290,109    $6,488,525      8.62         5985
  $ 45001 -  50000    1688     $80,242,318    $7,103,150      8.85         5982
  $ 50001 -  75000    6723    $412,610,071   $42,113,820     10.21        24814
  $ 75001 - 100000    3093    $265,063,159   $34,438,170     12.99        11697
  $100001 - 250000    2508    $349,404,465   $61,701,157     17.66         9941
  OVER $250,000        375    $204,651,405   $61,831,766     30.21         1426

                    ______________________________________________________________
  TOTAL              41835  $1,743,150,403  $239,382,682     13.73        95119
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -1.0           0.0                    0.3
  $     1  -  5000    16.9             1.0           0.1                    2.0
  $  5001 -  10000    10.8             1.9           0.6                    3.6
  $ 10001 -  15000     7.7             2.3           1.0                    4.6
  $ 15001 -  20000     6.8             2.8           1.4                    5.2
  $ 20001 -  25000     5.2             2.8           1.5                    4.8
  $ 25001 -  30000     4.7             3.1           1.8                    5.0
  $ 30001 -  35000     4.3             3.3           1.9                    5.3
  $ 35001 -  40000     4.6             4.1           2.6                    6.2
  $ 40001 -  45000     4.2             4.3           2.7                    6.3
  $ 45001 -  50000     4.0             4.6           3.0                    6.3
  $ 50001 -  75000    16.1            23.7          17.6                   26.1
  $ 75001 - 100000     7.4            15.2          14.4                   12.3
  $100001 - 250000     6.0            20.0          25.8                   10.5
  OVER $250,000        0.9            11.7          25.8                    1.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-94,244           $69                   1.69
  $     1  -  5000                  $2,504           $35                   0.27
  $  5001 -  10000                  $7,305          $306                   0.76
  $ 10001 -  15000                 $12,427          $712                   1.36
  $ 15001 -  20000                 $17,365        $1,166                   1.74
  $ 20001 -  25000                 $22,431        $1,608                   2.12
  $ 25001 -  30000                 $27,474        $2,118                   2.41
  $ 30001 -  35000                 $32,453        $2,587                   2.81
  $ 35001 -  40000                 $37,460        $3,219                   3.08
  $ 40001 -  45000                 $42,513        $3,664                   3.38
  $ 45001 -  50000                 $47,537        $4,208                   3.54
  $ 50001 -  75000                 $61,373        $6,264                   3.69
  $ 75001 - 100000                 $85,698       $11,134                   3.78
  $100001 - 250000                $139,316       $24,602                   3.96
  OVER $250,000                   $545,737      $164,885                   3.80

                    ______________________________________________________________
  TOTAL                            $41,667        $5,722                   2.27
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SANTA CLARA UT
                        _________________________________________________
  UNDER $ 5,000        223        $443,495       $10,777      2.43          102
  $  5001 -  10000     180      $1,293,635       $62,513      4.83          165
  $ 10001 -  15000     115      $1,378,883       $48,019      3.48          230
  $ 15001 -  20000      92      $1,582,980       $76,292      4.82          197
  $ 20001 -  25000      77      $1,730,031       $95,635      5.53          217
  $ 25001 -  30000      69      $1,894,685      $119,926      6.33          210
  $ 30001 -  35000      71      $2,303,474      $141,886      6.16          270
  $ 35001 -  40000      65      $2,442,505      $181,633      7.44          224
  $ 40001 -  45000      67      $2,835,447      $204,909      7.23          298
  $ 45001 -  50000      63      $2,982,709      $232,464      7.79          264
  $ 50001 -  75000     191     $11,521,176    $1,044,118      9.06          836
  $ 75001 - 100000      39      $3,277,489      $379,680     11.58          187
  OVER $100,000         40      $6,218,006    $1,159,407     18.65          159

                    ______________________________________________________________
  TOTAL               1292     $39,904,515    $3,757,259      9.42         3359
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       17.3             1.1           0.3                    3.0
  $  5001 -  10000    13.9             3.2           1.7                    4.9
  $ 10001 -  15000     8.9             3.5           1.3                    6.8
  $ 15001 -  20000     7.1             4.0           2.0                    5.9
  $ 20001 -  25000     6.0             4.3           2.5                    6.5
  $ 25001 -  30000     5.3             4.7           3.2                    6.3
  $ 30001 -  35000     5.5             5.8           3.8                    8.0
  $ 35001 -  40000     5.0             6.1           4.8                    6.7
  $ 40001 -  45000     5.2             7.1           5.5                    8.9
  $ 45001 -  50000     4.9             7.5           6.2                    7.9
  $ 50001 -  75000    14.8            28.9          27.8                   24.9
  $ 75001 - 100000     3.0             8.2          10.1                    5.6
  OVER $100,000        3.1            15.6          30.9                    4.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,989           $48                   0.46
  $  5001 -  10000                  $7,187          $347                   0.92
  $ 10001 -  15000                 $11,990          $418                   2.00
  $ 15001 -  20000                 $17,206          $829                   2.14
  $ 20001 -  25000                 $22,468        $1,242                   2.82
  $ 25001 -  30000                 $27,459        $1,738                   3.04
  $ 30001 -  35000                 $32,443        $1,998                   3.80
  $ 35001 -  40000                 $37,577        $2,794                   3.45
  $ 40001 -  45000                 $42,320        $3,058                   4.45
  $ 45001 -  50000                 $47,345        $3,690                   4.19
  $ 50001 -  75000                 $60,320        $5,467                   4.38
  $ 75001 - 100000                 $84,038        $9,735                   4.79
  OVER $100,000                   $155,450       $28,985                   3.98

                    ______________________________________________________________
  TOTAL                            $30,886        $2,908                   2.60
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SANTAQUIN UT
                        _________________________________________________
  UNDER $ 5,000        159        $236,356        $2,877      1.22           98
  $  5001 -  10000     159      $1,190,676       $26,663      2.24          267
  $ 10001 -  15000     141      $1,719,697       $64,313      3.74          302
  $ 15001 -  20000      88      $1,537,868       $73,551      4.78          225
  $ 20001 -  25000     118      $2,653,138      $141,884      5.35          378
  $ 25001 -  30000      92      $2,533,883      $171,843      6.78          302
  $ 30001 -  35000      81      $2,630,696      $176,322      6.70          327
  $ 35001 -  40000      82      $3,072,389      $236,710      7.70          324
  $ 40001 -  45000      63      $2,647,292      $225,814      8.53          246
  $ 45001 -  50000      59      $2,798,194      $229,065      8.19          250
  $ 50001 -  75000     121      $7,042,578      $711,197     10.10          483
  OVER $ 75,000         22      $2,436,433      $415,974     17.07           93

                    ______________________________________________________________
  TOTAL               1185     $30,499,200    $2,476,213      8.12         3295
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       13.4             0.8           0.1                    3.0
  $  5001 -  10000    13.4             3.9           1.1                    8.1
  $ 10001 -  15000    11.9             5.6           2.6                    9.2
  $ 15001 -  20000     7.4             5.0           3.0                    6.8
  $ 20001 -  25000    10.0             8.7           5.7                   11.5
  $ 25001 -  30000     7.8             8.3           6.9                    9.2
  $ 30001 -  35000     6.8             8.6           7.1                    9.9
  $ 35001 -  40000     6.9            10.1           9.6                    9.8
  $ 40001 -  45000     5.3             8.7           9.1                    7.5
  $ 45001 -  50000     5.0             9.2           9.3                    7.6
  $ 50001 -  75000    10.2            23.1          28.7                   14.7
  OVER $ 75,000        1.9             8.0          16.8                    2.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,487           $18                   0.62
  $  5001 -  10000                  $7,489          $168                   1.68
  $ 10001 -  15000                 $12,196          $456                   2.14
  $ 15001 -  20000                 $17,476          $836                   2.56
  $ 20001 -  25000                 $22,484        $1,202                   3.20
  $ 25001 -  30000                 $27,542        $1,868                   3.28
  $ 30001 -  35000                 $32,478        $2,177                   4.04
  $ 35001 -  40000                 $37,468        $2,887                   3.95
  $ 40001 -  45000                 $42,021        $3,584                   3.90
  $ 45001 -  50000                 $47,427        $3,882                   4.24
  $ 50001 -  75000                 $58,203        $5,878                   3.99
  OVER $ 75,000                   $110,747       $18,908                   4.23

                    ______________________________________________________________
  TOTAL                            $25,738        $2,090                   2.78
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SMITHFIELD UT
                        _________________________________________________
  UNDER $1              10       $-159,886           $47     -0.03           14
  $     1  -  5000     384        $983,737        $9,976      1.01          127
  $  5001 -  10000     297      $2,172,612       $73,821      3.40          309
  $ 10001 -  15000     248      $3,111,207      $128,278      4.12          455
  $ 15001 -  20000     233      $4,092,347      $230,656      5.64          511
  $ 20001 -  25000     203      $4,586,146      $279,846      6.10          525
  $ 25001 -  30000     184      $5,039,690      $329,298      6.53          593
  $ 30001 -  35000     186      $6,042,391      $466,445      7.72          608
  $ 35001 -  40000     155      $5,804,495      $433,694      7.47          607
  $ 40001 -  45000     144      $6,094,875      $479,417      7.87          615
  $ 45001 -  50000     125      $5,932,551      $501,170      8.45          531
  $ 50001 -  75000     304     $18,022,158    $1,756,214      9.74         1252
  $ 75001 - 100000      72      $6,047,148      $815,811     13.49          285
  OVER $100,000         36      $6,119,811    $1,302,190     21.28          162

                    ______________________________________________________________
  TOTAL               2581     $73,889,282    $6,806,863      9.21         6594
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.2           0.0                    0.2
  $     1  -  5000    14.9             1.3           0.1                    1.9
  $  5001 -  10000    11.5             2.9           1.1                    4.7
  $ 10001 -  15000     9.6             4.2           1.9                    6.9
  $ 15001 -  20000     9.0             5.5           3.4                    7.7
  $ 20001 -  25000     7.9             6.2           4.1                    8.0
  $ 25001 -  30000     7.1             6.8           4.8                    9.0
  $ 30001 -  35000     7.2             8.2           6.9                    9.2
  $ 35001 -  40000     6.0             7.9           6.4                    9.2
  $ 40001 -  45000     5.6             8.2           7.0                    9.3
  $ 45001 -  50000     4.8             8.0           7.4                    8.1
  $ 50001 -  75000    11.8            24.4          25.8                   19.0
  $ 75001 - 100000     2.8             8.2          12.0                    4.3
  OVER $100,000        1.4             8.3          19.1                    2.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-15,989            $5                   1.40
  $     1  -  5000                  $2,562           $26                   0.33
  $  5001 -  10000                  $7,315          $249                   1.04
  $ 10001 -  15000                 $12,545          $517                   1.83
  $ 15001 -  20000                 $17,564          $990                   2.19
  $ 20001 -  25000                 $22,592        $1,379                   2.59
  $ 25001 -  30000                 $27,390        $1,790                   3.22
  $ 30001 -  35000                 $32,486        $2,508                   3.27
  $ 35001 -  40000                 $37,448        $2,798                   3.92
  $ 40001 -  45000                 $42,326        $3,329                   4.27
  $ 45001 -  50000                 $47,460        $4,009                   4.25
  $ 50001 -  75000                 $59,283        $5,777                   4.12
  $ 75001 - 100000                 $83,988       $11,331                   3.96
  OVER $100,000                   $169,995       $36,172                   4.50

                    ______________________________________________________________
  TOTAL                            $28,628        $2,637                   2.55
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SOUTH JORDAN UT
                        _________________________________________________
  UNDER $1              43       $-938,423        $3,170     -0.34           82
  $     1  -  5000    1601      $3,989,945       $46,984      1.18          295
  $  5001 -  10000     821      $5,970,428      $258,472      4.33          542
  $ 10001 -  15000     506      $6,322,777      $381,249      6.03          628
  $ 15001 -  20000     459      $7,947,772      $524,422      6.60          803
  $ 20001 -  25000     315      $7,047,193      $478,928      6.80          750
  $ 25001 -  30000     284      $7,828,556      $559,075      7.14          776
  $ 30001 -  35000     280      $9,063,222      $598,886      6.61          896
  $ 35001 -  40000     290     $10,885,851      $765,093      7.03         1084
  $ 40001 -  45000     338     $14,373,709    $1,064,984      7.41         1330
  $ 45001 -  50000     344     $16,367,454    $1,181,640      7.22         1603
  $ 50001 -  75000    1677    $103,427,903    $9,339,339      9.03         7190
  $ 75001 - 100000     693     $58,959,927    $7,062,168     11.98         3056
  $100001 - 250000     404     $53,976,460    $9,017,964     16.71         1823
  OVER $250,000         39     $18,370,471    $5,299,757     28.85          161

                    ______________________________________________________________
  TOTAL               8094    $323,593,245   $36,582,131     11.30        21019
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.3           0.0                    0.4
  $     1  -  5000    19.8             1.2           0.1                    1.4
  $  5001 -  10000    10.1             1.8           0.7                    2.6
  $ 10001 -  15000     6.3             2.0           1.0                    3.0
  $ 15001 -  20000     5.7             2.5           1.4                    3.8
  $ 20001 -  25000     3.9             2.2           1.3                    3.6
  $ 25001 -  30000     3.5             2.4           1.5                    3.7
  $ 30001 -  35000     3.5             2.8           1.6                    4.3
  $ 35001 -  40000     3.6             3.4           2.1                    5.2
  $ 40001 -  45000     4.2             4.4           2.9                    6.3
  $ 45001 -  50000     4.3             5.1           3.2                    7.6
  $ 50001 -  75000    20.7            32.0          25.5                   34.2
  $ 75001 - 100000     8.6            18.2          19.3                   14.5
  $100001 - 250000     5.0            16.7          24.7                    8.7
  OVER $250,000        0.5             5.7          14.5                    0.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-21,824           $74                   1.91
  $     1  -  5000                  $2,492           $29                   0.18
  $  5001 -  10000                  $7,272          $315                   0.66
  $ 10001 -  15000                 $12,496          $753                   1.24
  $ 15001 -  20000                 $17,315        $1,143                   1.75
  $ 20001 -  25000                 $22,372        $1,520                   2.38
  $ 25001 -  30000                 $27,565        $1,969                   2.73
  $ 30001 -  35000                 $32,369        $2,139                   3.20
  $ 35001 -  40000                 $37,537        $2,638                   3.74
  $ 40001 -  45000                 $42,526        $3,151                   3.93
  $ 45001 -  50000                 $47,580        $3,435                   4.66
  $ 50001 -  75000                 $61,674        $5,569                   4.29
  $ 75001 - 100000                 $85,079       $10,191                   4.41
  $100001 - 250000                $133,605       $22,322                   4.51
  OVER $250,000                   $471,038      $135,891                   4.13

                    ______________________________________________________________
  TOTAL                            $39,979        $4,520                   2.60
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SOUTH OGDEN UT
                        _________________________________________________
  UNDER $ 5,000        157        $348,813        $4,778      1.37           51
  $  5001 -  10000     111        $805,701       $30,195      3.75          109
  $ 10001 -  15000     124      $1,569,001       $78,123      4.98          184
  $ 15001 -  20000     131      $2,267,041      $131,120      5.78          261
  $ 20001 -  25000     115      $2,597,173      $187,090      7.20          246
  $ 25001 -  30000      94      $2,597,336      $198,210      7.63          227
  $ 30001 -  35000      93      $3,014,834      $254,883      8.45          228
  $ 35001 -  40000      58      $2,172,364      $194,044      8.93          178
  $ 40001 -  45000      74      $3,138,334      $326,760     10.41          189
  $ 45001 -  50000      55      $2,602,063      $261,420     10.05          165
  $ 50001 -  75000     232     $14,271,260    $1,568,907     10.99          739
  $ 75001 - 100000      90      $7,658,740    $1,089,891     14.23          280
  OVER $100,000         62      $9,075,418    $1,740,892     19.18          226

                    ______________________________________________________________
  TOTAL               1396     $52,118,078    $6,066,313     11.64         3083
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       11.2             0.7           0.1                    1.7
  $  5001 -  10000     8.0             1.5           0.5                    3.5
  $ 10001 -  15000     8.9             3.0           1.3                    6.0
  $ 15001 -  20000     9.4             4.3           2.2                    8.5
  $ 20001 -  25000     8.2             5.0           3.1                    8.0
  $ 25001 -  30000     6.7             5.0           3.3                    7.4
  $ 30001 -  35000     6.7             5.8           4.2                    7.4
  $ 35001 -  40000     4.2             4.2           3.2                    5.8
  $ 40001 -  45000     5.3             6.0           5.4                    6.1
  $ 45001 -  50000     3.9             5.0           4.3                    5.4
  $ 50001 -  75000    16.6            27.4          25.9                   24.0
  $ 75001 - 100000     6.4            14.7          18.0                    9.1
  OVER $100,000        4.4            17.4          28.7                    7.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,222           $30                   0.32
  $  5001 -  10000                  $7,259          $272                   0.98
  $ 10001 -  15000                 $12,653          $630                   1.48
  $ 15001 -  20000                 $17,306        $1,001                   1.99
  $ 20001 -  25000                 $22,584        $1,627                   2.14
  $ 25001 -  30000                 $27,631        $2,109                   2.41
  $ 30001 -  35000                 $32,418        $2,741                   2.45
  $ 35001 -  40000                 $37,455        $3,346                   3.07
  $ 40001 -  45000                 $42,410        $4,416                   2.55
  $ 45001 -  50000                 $47,310        $4,753                   3.00
  $ 50001 -  75000                 $61,514        $6,763                   3.19
  $ 75001 - 100000                 $85,097       $12,110                   3.11
  OVER $100,000                   $146,378       $28,079                   3.65

                    ______________________________________________________________
  TOTAL                            $37,334        $4,345                   2.21
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SOUTH WEBER UT
                        _________________________________________________
  UNDER $ 5,000        174        $399,874        $4,027      1.01           33
  $  5001 -  10000     105        $784,112       $37,233      4.75           72
  $ 10001 -  15000      55        $678,296       $41,553      6.13           66
  $ 15001 -  20000      41        $698,538       $53,101      7.60           55
  $ 20001 -  25000      39        $875,473       $62,564      7.15           91
  $ 25001 -  30000      40      $1,098,400       $78,424      7.14          111
  $ 30001 -  35000      41      $1,357,780      $112,832      8.31          118
  $ 35001 -  40000      53      $1,998,771      $154,777      7.74          195
  $ 40001 -  45000      61      $2,589,508      $228,495      8.82          216
  $ 45001 -  50000      51      $2,421,904      $198,259      8.19          201
  $ 50001 -  75000     225     $13,666,906    $1,290,420      9.44          973
  $ 75001 - 100000      66      $5,608,277      $732,814     13.07          264
  $100001 - 250000      22      $2,916,914      $521,106     17.86           85

                    ______________________________________________________________
  TOTAL                973     $35,094,753    $3,515,605     10.02         2480
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       17.9             1.1           0.1                    1.3
  $  5001 -  10000    10.8             2.2           1.1                    2.9
  $ 10001 -  15000     5.7             1.9           1.2                    2.7
  $ 15001 -  20000     4.2             2.0           1.5                    2.2
  $ 20001 -  25000     4.0             2.5           1.8                    3.7
  $ 25001 -  30000     4.1             3.1           2.2                    4.5
  $ 30001 -  35000     4.2             3.9           3.2                    4.8
  $ 35001 -  40000     5.4             5.7           4.4                    7.9
  $ 40001 -  45000     6.3             7.4           6.5                    8.7
  $ 45001 -  50000     5.2             6.9           5.6                    8.1
  $ 50001 -  75000    23.1            38.9          36.7                   39.2
  $ 75001 - 100000     6.8            16.0          20.8                   10.6
  $100001 - 250000     2.3             8.3          14.8                    3.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,298           $23                   0.19
  $  5001 -  10000                  $7,468          $355                   0.69
  $ 10001 -  15000                 $12,333          $756                   1.20
  $ 15001 -  20000                 $17,038        $1,295                   1.34
  $ 20001 -  25000                 $22,448        $1,604                   2.33
  $ 25001 -  30000                 $27,460        $1,961                   2.78
  $ 30001 -  35000                 $33,117        $2,752                   2.88
  $ 35001 -  40000                 $37,713        $2,920                   3.68
  $ 40001 -  45000                 $42,451        $3,746                   3.54
  $ 45001 -  50000                 $47,488        $3,887                   3.94
  $ 50001 -  75000                 $60,742        $5,735                   4.32
  $ 75001 - 100000                 $84,974       $11,103                   4.00
  $100001 - 250000                $132,587       $23,687                   3.86

                    ______________________________________________________________
  TOTAL                            $36,069        $3,613                   2.55
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SPANISH FORK UT
                        _________________________________________________
  UNDER $1              38       $-920,616           $23     -0.00           96
  $     1  -  5000     977      $2,549,198       $29,104      1.14          348
  $  5001 -  10000     712      $5,277,565      $175,397      3.32          769
  $ 10001 -  15000     596      $7,451,955      $347,101      4.66         1003
  $ 15001 -  20000     544      $9,526,056      $544,077      5.71         1168
  $ 20001 -  25000     528     $11,809,174      $757,811      6.42         1355
  $ 25001 -  30000     444     $12,198,932      $857,957      7.03         1341
  $ 30001 -  35000     446     $14,449,892    $1,042,470      7.21         1560
  $ 35001 -  40000     447     $16,691,313    $1,358,230      8.14         1607
  $ 40001 -  45000     419     $17,754,494    $1,472,871      8.30         1604
  $ 45001 -  50000     360     $17,010,855    $1,435,928      8.44         1415
  $ 50001 -  75000     899     $53,185,830    $5,241,685      9.86         3706
  $ 75001 - 100000     196     $16,493,164    $2,105,326     12.76          775
  $100001 - 250000     101     $14,349,479    $2,554,230     17.80          465
  OVER $250,000         15     $16,395,422    $5,634,294     34.37           70

                    ______________________________________________________________
  TOTAL               6722    $214,222,713   $23,556,504     11.00        17282
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.4           0.0                    0.6
  $     1  -  5000    14.5             1.2           0.1                    2.0
  $  5001 -  10000    10.6             2.5           0.7                    4.4
  $ 10001 -  15000     8.9             3.5           1.5                    5.8
  $ 15001 -  20000     8.1             4.4           2.3                    6.8
  $ 20001 -  25000     7.9             5.5           3.2                    7.8
  $ 25001 -  30000     6.6             5.7           3.6                    7.8
  $ 30001 -  35000     6.6             6.7           4.4                    9.0
  $ 35001 -  40000     6.6             7.8           5.8                    9.3
  $ 40001 -  45000     6.2             8.3           6.3                    9.3
  $ 45001 -  50000     5.4             7.9           6.1                    8.2
  $ 50001 -  75000    13.4            24.8          22.3                   21.4
  $ 75001 - 100000     2.9             7.7           8.9                    4.5
  $100001 - 250000     1.5             6.7          10.8                    2.7
  OVER $250,000        0.2             7.7          23.9                    0.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-24,227            $1                   2.53
  $     1  -  5000                  $2,609           $30                   0.36
  $  5001 -  10000                  $7,412          $246                   1.08
  $ 10001 -  15000                 $12,503          $582                   1.68
  $ 15001 -  20000                 $17,511        $1,000                   2.15
  $ 20001 -  25000                 $22,366        $1,435                   2.57
  $ 25001 -  30000                 $27,475        $1,932                   3.02
  $ 30001 -  35000                 $32,399        $2,337                   3.50
  $ 35001 -  40000                 $37,341        $3,039                   3.60
  $ 40001 -  45000                 $42,373        $3,515                   3.83
  $ 45001 -  50000                 $47,252        $3,989                   3.93
  $ 50001 -  75000                 $59,161        $5,831                   4.12
  $ 75001 - 100000                 $84,149       $10,741                   3.95
  $100001 - 250000                $142,074       $25,289                   4.60
  OVER $250,000                   $1093028      $375,620                   4.67

                    ______________________________________________________________
  TOTAL                            $31,869        $3,504                   2.57
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SPRINGVILLE UT
                        _________________________________________________
  UNDER $1              30       $-350,438          $300     -0.09           68
  $     1  -  5000     906      $2,363,431       $19,644      0.83          352
  $  5001 -  10000     674      $5,087,358      $158,636      3.12          735
  $ 10001 -  15000     607      $7,631,000      $319,207      4.18         1090
  $ 15001 -  20000     537      $9,376,845      $536,395      5.72         1125
  $ 20001 -  25000     494     $11,096,541      $695,662      6.27         1298
  $ 25001 -  30000     404     $11,123,106      $788,604      7.09         1172
  $ 30001 -  35000     385     $12,476,535      $917,916      7.36         1315
  $ 35001 -  40000     375     $14,035,143    $1,122,074      7.99         1348
  $ 40001 -  45000     322     $13,674,863    $1,183,187      8.65         1143
  $ 45001 -  50000     252     $11,933,288    $1,079,506      9.05          913
  $ 50001 -  75000     773     $46,377,416    $4,576,560      9.87         3057
  $ 75001 - 100000     190     $16,190,161    $2,069,831     12.78          778
  $100001 - 250000     124     $16,973,292    $2,965,380     17.47          493
  OVER $250,000         14      $8,440,420    $2,142,851     25.39           54

                    ______________________________________________________________
  TOTAL               6087    $186,428,961   $18,575,753      9.96        14941
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.2           0.0                    0.5
  $     1  -  5000    14.9             1.3           0.1                    2.4
  $  5001 -  10000    11.1             2.7           0.9                    4.9
  $ 10001 -  15000    10.0             4.1           1.7                    7.3
  $ 15001 -  20000     8.8             5.0           2.9                    7.5
  $ 20001 -  25000     8.1             6.0           3.7                    8.7
  $ 25001 -  30000     6.6             6.0           4.2                    7.8
  $ 30001 -  35000     6.3             6.7           4.9                    8.8
  $ 35001 -  40000     6.2             7.5           6.0                    9.0
  $ 40001 -  45000     5.3             7.3           6.4                    7.7
  $ 45001 -  50000     4.1             6.4           5.8                    6.1
  $ 50001 -  75000    12.7            24.9          24.6                   20.5
  $ 75001 - 100000     3.1             8.7          11.1                    5.2
  $100001 - 250000     2.0             9.1          16.0                    3.3
  OVER $250,000        0.2             4.5          11.5                    0.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-11,681           $10                   2.27
  $     1  -  5000                  $2,609           $22                   0.39
  $  5001 -  10000                  $7,548          $235                   1.09
  $ 10001 -  15000                 $12,572          $526                   1.80
  $ 15001 -  20000                 $17,462          $999                   2.09
  $ 20001 -  25000                 $22,463        $1,408                   2.63
  $ 25001 -  30000                 $27,532        $1,952                   2.90
  $ 30001 -  35000                 $32,407        $2,384                   3.42
  $ 35001 -  40000                 $37,427        $2,992                   3.59
  $ 40001 -  45000                 $42,469        $3,674                   3.55
  $ 45001 -  50000                 $47,354        $4,284                   3.62
  $ 50001 -  75000                 $59,997        $5,921                   3.95
  $ 75001 - 100000                 $85,211       $10,894                   4.09
  $100001 - 250000                $136,881       $23,914                   3.98
  OVER $250,000                   $602,887      $153,061                   3.86

                    ______________________________________________________________
  TOTAL                            $30,627        $3,052                   2.45
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      ST GEORGE UT
                        _________________________________________________
  UNDER $1             153     $-6,566,106      $150,727     -2.30          292
  $     1  -  5000    2162      $5,764,620       $54,208      0.94         1391
  $  5001 -  10000    2027     $15,048,185      $407,797      2.71         2694
  $ 10001 -  15000    1777     $22,150,301      $849,569      3.84         3282
  $ 15001 -  20000    1577     $27,443,401    $1,398,679      5.10         3473
  $ 20001 -  25000    1331     $29,759,078    $1,828,349      6.14         3270
  $ 25001 -  30000    1088     $29,891,164    $2,163,143      7.24         2826
  $ 30001 -  35000     876     $28,473,639    $2,204,915      7.74         2479
  $ 35001 -  40000     771     $28,849,634    $2,431,515      8.43         2348
  $ 40001 -  45000     607     $25,757,970    $2,319,452      9.00         1886
  $ 45001 -  50000     513     $24,329,800    $2,186,321      8.99         1807
  $ 50001 -  75000    1500     $90,346,774    $9,461,466     10.47         5111
  $ 75001 - 100000     462     $39,443,961    $5,325,172     13.50         1563
  $100001 - 250000     393     $55,488,898    $9,994,619     18.01         1443
  OVER $250,000         78     $32,371,674    $8,803,789     27.20          291

                    ______________________________________________________________
  TOTAL              15315    $448,552,993   $49,579,721     11.05        34156
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.0            -1.5           0.3                    0.9
  $     1  -  5000    14.1             1.3           0.1                    4.1
  $  5001 -  10000    13.2             3.4           0.8                    7.9
  $ 10001 -  15000    11.6             4.9           1.7                    9.6
  $ 15001 -  20000    10.3             6.1           2.8                   10.2
  $ 20001 -  25000     8.7             6.6           3.7                    9.6
  $ 25001 -  30000     7.1             6.7           4.4                    8.3
  $ 30001 -  35000     5.7             6.3           4.4                    7.3
  $ 35001 -  40000     5.0             6.4           4.9                    6.9
  $ 40001 -  45000     4.0             5.7           4.7                    5.5
  $ 45001 -  50000     3.3             5.4           4.4                    5.3
  $ 50001 -  75000     9.8            20.1          19.1                   15.0
  $ 75001 - 100000     3.0             8.8          10.7                    4.6
  $100001 - 250000     2.6            12.4          20.2                    4.2
  OVER $250,000        0.5             7.2          17.8                    0.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-42,916          $985                   1.91
  $     1  -  5000                  $2,666           $25                   0.64
  $  5001 -  10000                  $7,424          $201                   1.33
  $ 10001 -  15000                 $12,465          $478                   1.85
  $ 15001 -  20000                 $17,402          $887                   2.20
  $ 20001 -  25000                 $22,358        $1,374                   2.46
  $ 25001 -  30000                 $27,473        $1,988                   2.60
  $ 30001 -  35000                 $32,504        $2,517                   2.83
  $ 35001 -  40000                 $37,418        $3,154                   3.05
  $ 40001 -  45000                 $42,435        $3,821                   3.11
  $ 45001 -  50000                 $47,427        $4,262                   3.52
  $ 50001 -  75000                 $60,231        $6,308                   3.41
  $ 75001 - 100000                 $85,377       $11,526                   3.38
  $100001 - 250000                $141,193       $25,432                   3.67
  OVER $250,000                   $415,021      $112,869                   3.73

                    ______________________________________________________________
  TOTAL                            $29,288        $3,237                   2.23
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SUNSET UT
                        _________________________________________________
  UNDER $ 5,000        259        $645,790        $7,009      1.09          177
  $  5001 -  10000     207      $1,524,576       $42,537      2.79          227
  $ 10001 -  15000     212      $2,675,690      $131,609      4.92          330
  $ 15001 -  20000     227      $3,948,802      $232,969      5.90          461
  $ 20001 -  25000     208      $4,677,105      $347,987      7.44          448
  $ 25001 -  30000     188      $5,174,036      $400,583      7.74          482
  $ 30001 -  35000     175      $5,662,730      $511,619      9.03          432
  $ 35001 -  40000     139      $5,232,364      $500,386      9.56          390
  $ 40001 -  45000     123      $5,197,897      $504,864      9.71          381
  $ 45001 -  50000      92      $4,345,121      $460,821     10.61          256
  $ 50001 -  75000     197     $11,737,196    $1,414,472     12.05          604
  $ 75001 - 100000      27      $2,264,030      $340,607     15.04           81
  $100001 - 250000      11      $1,480,154      $301,792     20.39           37

                    ______________________________________________________________
  TOTAL               2065     $54,565,491    $5,197,255      9.52         4306
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       12.5             1.2           0.1                    4.1
  $  5001 -  10000    10.0             2.8           0.8                    5.3
  $ 10001 -  15000    10.3             4.9           2.5                    7.7
  $ 15001 -  20000    11.0             7.2           4.5                   10.7
  $ 20001 -  25000    10.1             8.6           6.7                   10.4
  $ 25001 -  30000     9.1             9.5           7.7                   11.2
  $ 30001 -  35000     8.5            10.4           9.8                   10.0
  $ 35001 -  40000     6.7             9.6           9.6                    9.1
  $ 40001 -  45000     6.0             9.5           9.7                    8.8
  $ 45001 -  50000     4.5             8.0           8.9                    5.9
  $ 50001 -  75000     9.5            21.5          27.2                   14.0
  $ 75001 - 100000     1.3             4.1           6.6                    1.9
  $100001 - 250000     0.5             2.7           5.8                    0.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,493           $27                   0.68
  $  5001 -  10000                  $7,365          $205                   1.10
  $ 10001 -  15000                 $12,621          $621                   1.56
  $ 15001 -  20000                 $17,396        $1,026                   2.03
  $ 20001 -  25000                 $22,486        $1,673                   2.15
  $ 25001 -  30000                 $27,521        $2,131                   2.56
  $ 30001 -  35000                 $32,358        $2,924                   2.47
  $ 35001 -  40000                 $37,643        $3,600                   2.81
  $ 40001 -  45000                 $42,259        $4,105                   3.10
  $ 45001 -  50000                 $47,230        $5,009                   2.78
  $ 50001 -  75000                 $59,580        $7,180                   3.07
  $ 75001 - 100000                 $83,853       $12,615                   3.00
  $100001 - 250000                $134,559       $27,436                   3.36

                    ______________________________________________________________
  TOTAL                            $26,424        $2,517                   2.09
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SYRACUSE UT
                        _________________________________________________
  UNDER $ 5,000        364        $774,835        $5,737      0.74          100
  $  5001 -  10000     241      $1,765,225       $67,447      3.82          200
  $ 10001 -  15000     206      $2,587,955      $149,325      5.77          289
  $ 15001 -  20000     147      $2,569,948      $161,044      6.27          284
  $ 20001 -  25000     151      $3,378,962      $238,251      7.05          333
  $ 25001 -  30000     141      $3,883,246      $276,193      7.11          419
  $ 30001 -  35000     137      $4,444,479      $335,782      7.56          445
  $ 35001 -  40000     164      $6,146,050      $483,314      7.86          608
  $ 40001 -  45000     127      $5,376,235      $460,723      8.57          469
  $ 45001 -  50000     137      $6,525,138      $557,606      8.55          544
  $ 50001 -  75000     414     $24,852,220    $2,459,244      9.90         1665
  $ 75001 - 100000      84      $7,059,104      $957,170     13.56          324
  OVER $100,000         32      $7,387,651    $1,852,604     25.08          124

                    ______________________________________________________________
  TOTAL               2345     $76,751,048    $8,004,440     10.43         5804
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       15.5             1.0           0.1                    1.7
  $  5001 -  10000    10.3             2.3           0.8                    3.4
  $ 10001 -  15000     8.8             3.4           1.9                    5.0
  $ 15001 -  20000     6.3             3.3           2.0                    4.9
  $ 20001 -  25000     6.4             4.4           3.0                    5.7
  $ 25001 -  30000     6.0             5.1           3.5                    7.2
  $ 30001 -  35000     5.8             5.8           4.2                    7.7
  $ 35001 -  40000     7.0             8.0           6.0                   10.5
  $ 40001 -  45000     5.4             7.0           5.8                    8.1
  $ 45001 -  50000     5.8             8.5           7.0                    9.4
  $ 50001 -  75000    17.7            32.4          30.7                   28.7
  $ 75001 - 100000     3.6             9.2          12.0                    5.6
  OVER $100,000        1.4             9.6          23.1                    2.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,129           $16                   0.27
  $  5001 -  10000                  $7,325          $280                   0.83
  $ 10001 -  15000                 $12,563          $725                   1.40
  $ 15001 -  20000                 $17,483        $1,096                   1.93
  $ 20001 -  25000                 $22,377        $1,578                   2.21
  $ 25001 -  30000                 $27,541        $1,959                   2.97
  $ 30001 -  35000                 $32,441        $2,451                   3.25
  $ 35001 -  40000                 $37,476        $2,947                   3.71
  $ 40001 -  45000                 $42,333        $3,628                   3.69
  $ 45001 -  50000                 $47,629        $4,070                   3.97
  $ 50001 -  75000                 $60,030        $5,940                   4.02
  $ 75001 - 100000                 $84,037       $11,395                   3.86
  OVER $100,000                   $230,864       $57,894                   3.88

                    ______________________________________________________________
  TOTAL                            $32,730        $3,413                   2.48
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      TAYLORSVILLE UT
                        _________________________________________________
  UNDER $1              11        $-30,855          $178     -0.58            8
  $     1  -  5000     419      $1,061,329        $5,282      0.50          162
  $  5001 -  10000     308      $2,304,206       $75,749      3.29          333
  $ 10001 -  15000     293      $3,666,060      $186,448      5.09          475
  $ 15001 -  20000     267      $4,681,436      $305,725      6.53          500
  $ 20001 -  25000     206      $4,592,004      $331,148      7.21          446
  $ 25001 -  30000     193      $5,311,741      $424,905      8.00          485
  $ 30001 -  35000     171      $5,535,948      $450,410      8.14          479
  $ 35001 -  40000     167      $6,257,872      $517,415      8.27          563
  $ 40001 -  45000     152      $6,427,729      $582,388      9.06          505
  $ 45001 -  50000     123      $5,864,204      $538,554      9.18          444
  $ 50001 -  75000     364     $21,830,623    $2,258,190     10.34         1391
  $ 75001 - 100000      80      $6,610,574      $887,387     13.42          303
  OVER $100,000         20      $2,816,019      $552,126     19.61           74

                    ______________________________________________________________
  TOTAL               2774     $76,928,890    $7,115,905      9.25         6168
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.0           0.0                    0.1
  $     1  -  5000    15.1             1.4           0.1                    2.6
  $  5001 -  10000    11.1             3.0           1.1                    5.4
  $ 10001 -  15000    10.6             4.8           2.6                    7.7
  $ 15001 -  20000     9.6             6.1           4.3                    8.1
  $ 20001 -  25000     7.4             6.0           4.7                    7.2
  $ 25001 -  30000     7.0             6.9           6.0                    7.9
  $ 30001 -  35000     6.2             7.2           6.3                    7.8
  $ 35001 -  40000     6.0             8.1           7.3                    9.1
  $ 40001 -  45000     5.5             8.4           8.2                    8.2
  $ 45001 -  50000     4.4             7.6           7.6                    7.2
  $ 50001 -  75000    13.1            28.4          31.7                   22.6
  $ 75001 - 100000     2.9             8.6          12.5                    4.9
  OVER $100,000        0.7             3.7           7.8                    1.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-2,805           $16                   0.73
  $     1  -  5000                  $2,533           $13                   0.39
  $  5001 -  10000                  $7,481          $246                   1.08
  $ 10001 -  15000                 $12,512          $636                   1.62
  $ 15001 -  20000                 $17,533        $1,145                   1.87
  $ 20001 -  25000                 $22,291        $1,608                   2.17
  $ 25001 -  30000                 $27,522        $2,202                   2.51
  $ 30001 -  35000                 $32,374        $2,634                   2.80
  $ 35001 -  40000                 $37,472        $3,098                   3.37
  $ 40001 -  45000                 $42,288        $3,832                   3.32
  $ 45001 -  50000                 $47,676        $4,378                   3.61
  $ 50001 -  75000                 $59,974        $6,204                   3.82
  $ 75001 - 100000                 $82,632       $11,092                   3.79
  OVER $100,000                   $140,801       $27,606                   3.70

                    ______________________________________________________________
  TOTAL                            $27,732        $2,565                   2.22
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      TOOELE UT
                        _________________________________________________
  UNDER $1              23       $-281,404             .       .             37
  $     1  -  5000     772      $2,026,535       $22,658      1.12          420
  $  5001 -  10000     716      $5,341,758      $144,930      2.71          808
  $ 10001 -  15000     713      $8,946,855      $403,999      4.52         1180
  $ 15001 -  20000     639     $11,169,653      $686,134      6.14         1225
  $ 20001 -  25000     580     $13,011,277      $948,667      7.29         1250
  $ 25001 -  30000     511     $14,060,227    $1,176,814      8.37         1149
  $ 30001 -  35000     443     $14,393,253    $1,305,642      9.07         1088
  $ 35001 -  40000     441     $16,483,898    $1,608,557      9.76         1187
  $ 40001 -  45000     361     $15,298,460    $1,528,577      9.99         1063
  $ 45001 -  50000     322     $15,230,660    $1,516,938      9.96         1060
  $ 50001 -  75000     979     $59,017,708    $6,755,570     11.45         3337
  $ 75001 - 100000     232     $19,675,788    $2,949,159     14.99          778
  OVER $100,000         75     $10,837,394    $2,127,921     19.63          262

                    ______________________________________________________________
  TOTAL               6807    $205,212,062   $21,175,566     10.32        14844
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.3            -0.1            .                     0.2
  $     1  -  5000    11.3             1.0           0.1                    2.8
  $  5001 -  10000    10.5             2.6           0.7                    5.4
  $ 10001 -  15000    10.5             4.4           1.9                    7.9
  $ 15001 -  20000     9.4             5.4           3.2                    8.3
  $ 20001 -  25000     8.5             6.3           4.5                    8.4
  $ 25001 -  30000     7.5             6.9           5.6                    7.7
  $ 30001 -  35000     6.5             7.0           6.2                    7.3
  $ 35001 -  40000     6.5             8.0           7.6                    8.0
  $ 40001 -  45000     5.3             7.5           7.2                    7.2
  $ 45001 -  50000     4.7             7.4           7.2                    7.1
  $ 50001 -  75000    14.4            28.8          31.9                   22.5
  $ 75001 - 100000     3.4             9.6          13.9                    5.2
  OVER $100,000        1.1             5.3          10.0                    1.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-12,235             .                   1.61
  $     1  -  5000                  $2,625           $29                   0.54
  $  5001 -  10000                  $7,461          $202                   1.13
  $ 10001 -  15000                 $12,548          $567                   1.65
  $ 15001 -  20000                 $17,480        $1,074                   1.92
  $ 20001 -  25000                 $22,433        $1,636                   2.16
  $ 25001 -  30000                 $27,515        $2,303                   2.25
  $ 30001 -  35000                 $32,490        $2,947                   2.46
  $ 35001 -  40000                 $37,378        $3,648                   2.69
  $ 40001 -  45000                 $42,378        $4,234                   2.94
  $ 45001 -  50000                 $47,300        $4,711                   3.29
  $ 50001 -  75000                 $60,284        $6,900                   3.41
  $ 75001 - 100000                 $84,809       $12,712                   3.35
  OVER $100,000                   $144,499       $28,372                   3.49

                    ______________________________________________________________
  TOTAL                            $30,147        $3,111                   2.18
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      TREMONTON UT
                        _________________________________________________
  UNDER $1              19       $-917,579        $2,582     -0.28           41
  $     1  -  5000     443      $1,103,857       $19,505      1.77          161
  $  5001 -  10000     308      $2,248,490       $66,244      2.95          351
  $ 10001 -  15000     223      $2,807,953      $116,185      4.14          419
  $ 15001 -  20000     227      $3,992,216      $194,805      4.88          548
  $ 20001 -  25000     207      $4,646,744      $296,360      6.38          547
  $ 25001 -  30000     187      $5,115,214      $374,988      7.33          548
  $ 30001 -  35000     196      $6,359,962      $487,506      7.67          672
  $ 35001 -  40000     161      $6,030,864      $487,256      8.08          583
  $ 40001 -  45000     158      $6,710,212      $559,885      8.34          641
  $ 45001 -  50000     140      $6,650,711      $585,905      8.81          593
  $ 50001 -  75000     359     $21,617,078    $2,302,370     10.65         1432
  $ 75001 - 100000     107      $9,190,598    $1,318,455     14.35          382
  OVER $100,000         46      $6,427,238    $1,205,753     18.76          178

                    ______________________________________________________________
  TOTAL               2781     $81,983,558    $8,017,799      9.78         7096
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -1.1           0.0                    0.6
  $     1  -  5000    15.9             1.3           0.2                    2.3
  $  5001 -  10000    11.1             2.7           0.8                    4.9
  $ 10001 -  15000     8.0             3.4           1.4                    5.9
  $ 15001 -  20000     8.2             4.9           2.4                    7.7
  $ 20001 -  25000     7.4             5.7           3.7                    7.7
  $ 25001 -  30000     6.7             6.2           4.7                    7.7
  $ 30001 -  35000     7.0             7.8           6.1                    9.5
  $ 35001 -  40000     5.8             7.4           6.1                    8.2
  $ 40001 -  45000     5.7             8.2           7.0                    9.0
  $ 45001 -  50000     5.0             8.1           7.3                    8.4
  $ 50001 -  75000    12.9            26.4          28.7                   20.2
  $ 75001 - 100000     3.8            11.2          16.4                    5.4
  OVER $100,000        1.7             7.8          15.0                    2.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-48,294          $136                   2.16
  $     1  -  5000                  $2,492           $44                   0.36
  $  5001 -  10000                  $7,300          $215                   1.14
  $ 10001 -  15000                 $12,592          $521                   1.88
  $ 15001 -  20000                 $17,587          $858                   2.41
  $ 20001 -  25000                 $22,448        $1,432                   2.64
  $ 25001 -  30000                 $27,354        $2,005                   2.93
  $ 30001 -  35000                 $32,449        $2,487                   3.43
  $ 35001 -  40000                 $37,459        $3,026                   3.62
  $ 40001 -  45000                 $42,470        $3,544                   4.06
  $ 45001 -  50000                 $47,505        $4,185                   4.24
  $ 50001 -  75000                 $60,215        $6,413                   3.99
  $ 75001 - 100000                 $85,893       $12,322                   3.57
  OVER $100,000                   $139,723       $26,212                   3.87

                    ______________________________________________________________
  TOTAL                            $29,480        $2,883                   2.55
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      VERNAL UT
                        _________________________________________________
  UNDER $1              57     $-1,072,763             .       .            118
  $     1  -  5000    1091      $2,796,238       $24,070      0.86          671
  $  5001 -  10000     792      $5,856,553      $119,380      2.04         1241
  $ 10001 -  15000     617      $7,675,096      $266,300      3.47         1260
  $ 15001 -  20000     521      $9,106,281      $434,669      4.77         1327
  $ 20001 -  25000     471     $10,584,451      $633,902      5.99         1335
  $ 25001 -  30000     483     $13,237,348      $915,029      6.91         1549
  $ 30001 -  35000     409     $13,268,319    $1,022,001      7.70         1441
  $ 35001 -  40000     355     $13,262,158    $1,111,763      8.38         1276
  $ 40001 -  45000     325     $13,800,195    $1,225,552      8.88         1242
  $ 45001 -  50000     255     $12,076,022    $1,149,257      9.52          960
  $ 50001 -  75000     675     $40,860,063    $4,614,227     11.29         2439
  $ 75001 - 100000     162     $13,633,091    $1,972,358     14.47          595
  $100001 - 250000      69      $9,514,527    $1,877,200     19.73          240
  OVER $250,000         14      $5,595,128    $1,604,471     28.68           58

                    ______________________________________________________________
  TOTAL               6296    $170,192,707   $16,970,179      9.97        15752
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.9            -0.6            .                     0.7
  $     1  -  5000    17.3             1.6           0.1                    4.3
  $  5001 -  10000    12.6             3.4           0.7                    7.9
  $ 10001 -  15000     9.8             4.5           1.6                    8.0
  $ 15001 -  20000     8.3             5.4           2.6                    8.4
  $ 20001 -  25000     7.5             6.2           3.7                    8.5
  $ 25001 -  30000     7.7             7.8           5.4                    9.8
  $ 30001 -  35000     6.5             7.8           6.0                    9.1
  $ 35001 -  40000     5.6             7.8           6.6                    8.1
  $ 40001 -  45000     5.2             8.1           7.2                    7.9
  $ 45001 -  50000     4.1             7.1           6.8                    6.1
  $ 50001 -  75000    10.7            24.0          27.2                   15.5
  $ 75001 - 100000     2.6             8.0          11.6                    3.8
  $100001 - 250000     1.1             5.6          11.1                    1.5
  OVER $250,000        0.2             3.3           9.5                    0.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-18,820             .                   2.07
  $     1  -  5000                  $2,563           $22                   0.62
  $  5001 -  10000                  $7,395          $151                   1.57
  $ 10001 -  15000                 $12,439          $432                   2.04
  $ 15001 -  20000                 $17,478          $834                   2.55
  $ 20001 -  25000                 $22,472        $1,346                   2.83
  $ 25001 -  30000                 $27,407        $1,894                   3.21
  $ 30001 -  35000                 $32,441        $2,499                   3.52
  $ 35001 -  40000                 $37,358        $3,132                   3.59
  $ 40001 -  45000                 $42,462        $3,771                   3.82
  $ 45001 -  50000                 $47,357        $4,507                   3.76
  $ 50001 -  75000                 $60,533        $6,836                   3.61
  $ 75001 - 100000                 $84,155       $12,175                   3.67
  $100001 - 250000                $137,892       $27,206                   3.48
  OVER $250,000                   $399,652      $114,605                   4.14

                    ______________________________________________________________
  TOTAL                            $27,032        $2,695                   2.50
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      WASHINGTON UT
                        _________________________________________________
  UNDER $1              17       $-139,115             .       .             34
  $     1  -  5000     330        $862,233        $5,936      0.69          197
  $  5001 -  10000     276      $2,083,334       $55,776      2.68          356
  $ 10001 -  15000     301      $3,726,265      $146,341      3.93          560
  $ 15001 -  20000     240      $4,168,888      $200,502      4.81          570
  $ 20001 -  25000     189      $4,238,557      $256,215      6.04          499
  $ 25001 -  30000     142      $3,886,486      $277,774      7.15          394
  $ 30001 -  35000     133      $4,334,603      $322,862      7.45          442
  $ 35001 -  40000     115      $4,275,113      $327,045      7.65          436
  $ 40001 -  45000     115      $4,866,223      $402,093      8.26          431
  $ 45001 -  50000      93      $4,390,061      $370,970      8.45          384
  $ 50001 -  75000     168     $10,093,480      $980,403      9.71          663
  $ 75001 - 100000      38      $3,156,305      $414,737     13.14          163
  OVER $100,000         34      $6,100,138    $1,393,473     22.84          128

                    ______________________________________________________________
  TOTAL               2191     $56,042,571    $5,154,127      9.20         5257
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.8            -0.2            .                     0.6
  $     1  -  5000    15.1             1.5           0.1                    3.7
  $  5001 -  10000    12.6             3.7           1.1                    6.8
  $ 10001 -  15000    13.7             6.6           2.8                   10.7
  $ 15001 -  20000    11.0             7.4           3.9                   10.8
  $ 20001 -  25000     8.6             7.6           5.0                    9.5
  $ 25001 -  30000     6.5             6.9           5.4                    7.5
  $ 30001 -  35000     6.1             7.7           6.3                    8.4
  $ 35001 -  40000     5.2             7.6           6.3                    8.3
  $ 40001 -  45000     5.2             8.7           7.8                    8.2
  $ 45001 -  50000     4.2             7.8           7.2                    7.3
  $ 50001 -  75000     7.7            18.0          19.0                   12.6
  $ 75001 - 100000     1.7             5.6           8.0                    3.1
  OVER $100,000        1.6            10.9          27.0                    2.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-8,183             .                   2.00
  $     1  -  5000                  $2,613           $18                   0.60
  $  5001 -  10000                  $7,548          $202                   1.29
  $ 10001 -  15000                 $12,380          $486                   1.86
  $ 15001 -  20000                 $17,370          $835                   2.38
  $ 20001 -  25000                 $22,426        $1,356                   2.64
  $ 25001 -  30000                 $27,370        $1,956                   2.77
  $ 30001 -  35000                 $32,591        $2,428                   3.32
  $ 35001 -  40000                 $37,175        $2,844                   3.79
  $ 40001 -  45000                 $42,315        $3,496                   3.75
  $ 45001 -  50000                 $47,205        $3,989                   4.13
  $ 50001 -  75000                 $60,080        $5,836                   3.95
  $ 75001 - 100000                 $83,061       $10,914                   4.29
  OVER $100,000                   $179,416       $40,985                   3.76

                    ______________________________________________________________
  TOTAL                            $25,579        $2,352                   2.40
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      WELLSVILLE UT
                        _________________________________________________
  UNDER $ 5,000        166        $199,109        $4,331      2.18           88
  $  5001 -  10000     138        $995,392       $26,485      2.66          137
  $ 10001 -  15000      89      $1,135,389       $53,603      4.72          150
  $ 15001 -  20000     107      $1,876,240      $100,530      5.36          253
  $ 20001 -  25000      96      $2,177,913      $124,424      5.71          284
  $ 25001 -  30000      85      $2,342,766      $167,289      7.14          259
  $ 30001 -  35000      76      $2,482,961      $198,113      7.98          244
  $ 35001 -  40000      78      $2,919,203      $228,334      7.82          303
  $ 40001 -  45000      73      $3,083,310      $269,314      8.73          261
  $ 45001 -  50000      49      $2,331,473      $201,417      8.64          211
  $ 50001 -  75000     149      $8,929,216      $945,075     10.58          585
  $ 75001 - 250000      39      $3,828,084      $616,137     16.10          153

                    ______________________________________________________________
  TOTAL               1145     $32,301,056    $2,935,052      9.09         2928
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       14.5             0.6           0.1                    3.0
  $  5001 -  10000    12.1             3.1           0.9                    4.7
  $ 10001 -  15000     7.8             3.5           1.8                    5.1
  $ 15001 -  20000     9.3             5.8           3.4                    8.6
  $ 20001 -  25000     8.4             6.7           4.2                    9.7
  $ 25001 -  30000     7.4             7.3           5.7                    8.8
  $ 30001 -  35000     6.6             7.7           6.7                    8.3
  $ 35001 -  40000     6.8             9.0           7.8                   10.3
  $ 40001 -  45000     6.4             9.5           9.2                    8.9
  $ 45001 -  50000     4.3             7.2           6.9                    7.2
  $ 50001 -  75000    13.0            27.6          32.2                   20.0
  $ 75001 - 250000     3.4            11.9          21.0                    5.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,199           $26                   0.53
  $  5001 -  10000                  $7,213          $192                   0.99
  $ 10001 -  15000                 $12,757          $602                   1.69
  $ 15001 -  20000                 $17,535          $940                   2.36
  $ 20001 -  25000                 $22,687        $1,296                   2.96
  $ 25001 -  30000                 $27,562        $1,968                   3.05
  $ 30001 -  35000                 $32,671        $2,607                   3.21
  $ 35001 -  40000                 $37,426        $2,927                   3.88
  $ 40001 -  45000                 $42,237        $3,689                   3.58
  $ 45001 -  50000                 $47,581        $4,111                   4.31
  $ 50001 -  75000                 $59,928        $6,343                   3.93
  $ 75001 - 250000                 $98,156       $15,798                   3.92

                    ______________________________________________________________
  TOTAL                            $28,211        $2,563                   2.56
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      WENDOVER UT
                        _________________________________________________
  UNDER $ 5,000        122        $245,757          $738      0.30          111
  $  5001 -  10000     140      $1,070,365       $18,812      1.76          242
  $ 10001 -  15000     218      $2,792,075       $84,147      3.01          536
  $ 15001 -  20000     167      $2,916,408      $144,886      4.97          439
  $ 20001 -  25000      90      $2,009,128      $133,588      6.65          247
  $ 25001 -  30000      85      $2,323,595      $177,580      7.64          244
  $ 30001 -  35000      63      $2,051,479      $178,451      8.70          203
  $ 35001 -  40000      57      $2,132,683      $207,773      9.74          168
  $ 40001 -  45000      34      $1,432,700      $147,634     10.30          120
  $ 45001 -  50000      31      $1,472,446      $159,451     10.83          103
  $ 50001 -  75000      73      $4,349,468      $525,516     12.08          254
  $ 75001 - 250000      22      $2,212,576      $398,055     17.99           75

                    ______________________________________________________________
  TOTAL               1102     $25,008,680    $2,176,631      8.70         2742
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       11.1             1.0           0.0                    4.0
  $  5001 -  10000    12.7             4.3           0.9                    8.8
  $ 10001 -  15000    19.8            11.2           3.9                   19.5
  $ 15001 -  20000    15.2            11.7           6.7                   16.0
  $ 20001 -  25000     8.2             8.0           6.1                    9.0
  $ 25001 -  30000     7.7             9.3           8.2                    8.9
  $ 30001 -  35000     5.7             8.2           8.2                    7.4
  $ 35001 -  40000     5.2             8.5           9.5                    6.1
  $ 40001 -  45000     3.1             5.7           6.8                    4.4
  $ 45001 -  50000     2.8             5.9           7.3                    3.8
  $ 50001 -  75000     6.6            17.4          24.1                    9.3
  $ 75001 - 250000     2.0             8.8          18.3                    2.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,014            $6                   0.91
  $  5001 -  10000                  $7,645          $134                   1.73
  $ 10001 -  15000                 $12,808          $386                   2.46
  $ 15001 -  20000                 $17,464          $868                   2.63
  $ 20001 -  25000                 $22,324        $1,484                   2.74
  $ 25001 -  30000                 $27,336        $2,089                   2.87
  $ 30001 -  35000                 $32,563        $2,833                   3.22
  $ 35001 -  40000                 $37,415        $3,645                   2.95
  $ 40001 -  45000                 $42,138        $4,342                   3.53
  $ 45001 -  50000                 $47,498        $5,144                   3.32
  $ 50001 -  75000                 $59,582        $7,199                   3.48
  $ 75001 - 250000                $100,572       $18,093                   3.41

                    ______________________________________________________________
  TOTAL                            $22,694        $1,975                   2.49
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      WEST BOUNTIFUL UT
                        _________________________________________________
  UNDER $ 5,000        314        $809,609        $6,932      0.86           86
  $  5001 -  10000     204      $1,480,203       $66,432      4.49          125
  $ 10001 -  15000     128      $1,577,186       $98,008      6.21          159
  $ 15001 -  20000     106      $1,857,061      $123,571      6.65          201
  $ 20001 -  25000      99      $2,213,236      $154,110      6.96          234
  $ 25001 -  30000      63      $1,743,584      $115,361      6.62          190
  $ 30001 -  35000      76      $2,460,599      $168,869      6.86          254
  $ 35001 -  40000      82      $3,079,570      $229,035      7.44          306
  $ 40001 -  45000      86      $3,660,703      $304,182      8.31          316
  $ 45001 -  50000      87      $4,129,362      $351,819      8.52          335
  $ 50001 -  75000     294     $17,617,542    $1,711,023      9.71         1206
  $ 75001 - 100000      61      $5,120,187      $662,390     12.94          244
  OVER $100,000         24      $3,531,262      $726,331     20.57          107

                    ______________________________________________________________
  TOTAL               1624     $49,280,104    $4,718,063      9.57         3763
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       19.3             1.6           0.1                    2.3
  $  5001 -  10000    12.6             3.0           1.4                    3.3
  $ 10001 -  15000     7.9             3.2           2.1                    4.2
  $ 15001 -  20000     6.5             3.8           2.6                    5.3
  $ 20001 -  25000     6.1             4.5           3.3                    6.2
  $ 25001 -  30000     3.9             3.5           2.4                    5.0
  $ 30001 -  35000     4.7             5.0           3.6                    6.7
  $ 35001 -  40000     5.0             6.2           4.9                    8.1
  $ 40001 -  45000     5.3             7.4           6.4                    8.4
  $ 45001 -  50000     5.4             8.4           7.5                    8.9
  $ 50001 -  75000    18.1            35.7          36.3                   32.0
  $ 75001 - 100000     3.8            10.4          14.0                    6.5
  OVER $100,000        1.5             7.2          15.4                    2.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,578           $22                   0.27
  $  5001 -  10000                  $7,256          $326                   0.61
  $ 10001 -  15000                 $12,322          $766                   1.24
  $ 15001 -  20000                 $17,519        $1,166                   1.90
  $ 20001 -  25000                 $22,356        $1,557                   2.36
  $ 25001 -  30000                 $27,676        $1,831                   3.02
  $ 30001 -  35000                 $32,376        $2,222                   3.34
  $ 35001 -  40000                 $37,556        $2,793                   3.73
  $ 40001 -  45000                 $42,566        $3,537                   3.67
  $ 45001 -  50000                 $47,464        $4,044                   3.85
  $ 50001 -  75000                 $59,924        $5,820                   4.10
  $ 75001 - 100000                 $83,937       $10,859                   4.00
  OVER $100,000                   $147,136       $30,264                   4.46

                    ______________________________________________________________
  TOTAL                            $30,345        $2,905                   2.32
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      WEST JORDAN UT
                        _________________________________________________
  UNDER $1              64     $-1,515,031          $566     -0.04          108
  $     1  -  5000    3307      $8,469,371       $69,473      0.82         1160
  $  5001 -  10000    2564     $18,962,379      $644,420      3.40         2729
  $ 10001 -  15000    2184     $27,116,039    $1,343,987      4.96         3616
  $ 15001 -  20000    1950     $33,825,631    $2,031,589      6.01         4036
  $ 20001 -  25000    1698     $38,073,027    $2,529,507      6.64         4239
  $ 25001 -  30000    1606     $44,136,725    $3,048,009      6.91         4769
  $ 30001 -  35000    1708     $55,471,756    $4,068,014      7.33         5600
  $ 35001 -  40000    1628     $61,087,255    $4,815,686      7.88         5618
  $ 40001 -  45000    1628     $69,044,113    $5,620,716      8.14         6100
  $ 45001 -  50000    1459     $69,303,047    $5,962,731      8.60         5560
  $ 50001 -  75000    4046    $242,341,412   $24,369,728     10.06        15695
  $ 75001 - 100000     773     $64,849,149    $8,756,368     13.50         2906
  $100001 - 250000     234     $30,841,242    $5,615,676     18.21          916
  OVER $250,000         23      $7,903,485    $2,214,588     28.02           76

                    ______________________________________________________________
  TOTAL              24872    $769,909,600   $71,091,058      9.23        63128
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.3            -0.2           0.0                    0.2
  $     1  -  5000    13.3             1.1           0.1                    1.8
  $  5001 -  10000    10.3             2.5           0.9                    4.3
  $ 10001 -  15000     8.8             3.5           1.9                    5.7
  $ 15001 -  20000     7.8             4.4           2.9                    6.4
  $ 20001 -  25000     6.8             4.9           3.6                    6.7
  $ 25001 -  30000     6.5             5.7           4.3                    7.6
  $ 30001 -  35000     6.9             7.2           5.7                    8.9
  $ 35001 -  40000     6.5             7.9           6.8                    8.9
  $ 40001 -  45000     6.5             9.0           7.9                    9.7
  $ 45001 -  50000     5.9             9.0           8.4                    8.8
  $ 50001 -  75000    16.3            31.5          34.3                   24.9
  $ 75001 - 100000     3.1             8.4          12.3                    4.6
  $100001 - 250000     0.9             4.0           7.9                    1.5
  OVER $250,000        0.1             1.0           3.1                    0.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-23,672            $9                   1.69
  $     1  -  5000                  $2,561           $21                   0.35
  $  5001 -  10000                  $7,396          $251                   1.06
  $ 10001 -  15000                 $12,416          $615                   1.66
  $ 15001 -  20000                 $17,346        $1,042                   2.07
  $ 20001 -  25000                 $22,422        $1,490                   2.50
  $ 25001 -  30000                 $27,482        $1,898                   2.97
  $ 30001 -  35000                 $32,478        $2,382                   3.28
  $ 35001 -  40000                 $37,523        $2,958                   3.45
  $ 40001 -  45000                 $42,410        $3,453                   3.75
  $ 45001 -  50000                 $47,500        $4,087                   3.81
  $ 50001 -  75000                 $59,897        $6,023                   3.88
  $ 75001 - 100000                 $83,893       $11,328                   3.76
  $100001 - 250000                $131,800       $23,999                   3.91
  OVER $250,000                   $343,630       $96,286                   3.30

                    ______________________________________________________________
  TOTAL                            $30,955        $2,858                   2.54
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      WEST POINT UT
                        _________________________________________________
  UNDER $ 5,000        252        $557,018        $3,795      0.68           65
  $  5001 -  10000     166      $1,232,428       $51,026      4.14          116
  $ 10001 -  15000      98      $1,216,579       $61,629      5.07          150
  $ 15001 -  20000     110      $1,916,582      $118,771      6.20          207
  $ 20001 -  25000      91      $2,056,595      $126,153      6.13          235
  $ 25001 -  30000     100      $2,749,794      $197,458      7.18          276
  $ 30001 -  35000      76      $2,489,829      $170,391      6.84          264
  $ 35001 -  40000     117      $4,385,865      $365,190      8.33          419
  $ 40001 -  45000     119      $5,086,976      $418,537      8.23          460
  $ 45001 -  50000     115      $5,469,418      $476,950      8.72          454
  $ 50001 -  75000     345     $20,699,304    $2,060,822      9.96         1385
  $ 75001 - 100000      85      $7,081,648      $979,499     13.83          305
  OVER $100,000         33      $6,530,949    $1,548,496     23.71          117

                    ______________________________________________________________
  TOTAL               1707     $61,472,985    $6,578,717     10.70         4453
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       14.8             0.9           0.1                    1.5
  $  5001 -  10000     9.7             2.0           0.8                    2.6
  $ 10001 -  15000     5.7             2.0           0.9                    3.4
  $ 15001 -  20000     6.4             3.1           1.8                    4.6
  $ 20001 -  25000     5.3             3.3           1.9                    5.3
  $ 25001 -  30000     5.9             4.5           3.0                    6.2
  $ 30001 -  35000     4.5             4.1           2.6                    5.9
  $ 35001 -  40000     6.9             7.1           5.6                    9.4
  $ 40001 -  45000     7.0             8.3           6.4                   10.3
  $ 45001 -  50000     6.7             8.9           7.2                   10.2
  $ 50001 -  75000    20.2            33.7          31.3                   31.1
  $ 75001 - 100000     5.0            11.5          14.9                    6.8
  OVER $100,000        1.9            10.6          23.5                    2.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,210           $15                   0.26
  $  5001 -  10000                  $7,424          $307                   0.70
  $ 10001 -  15000                 $12,414          $629                   1.53
  $ 15001 -  20000                 $17,423        $1,080                   1.88
  $ 20001 -  25000                 $22,600        $1,386                   2.58
  $ 25001 -  30000                 $27,498        $1,975                   2.76
  $ 30001 -  35000                 $32,761        $2,242                   3.47
  $ 35001 -  40000                 $37,486        $3,121                   3.58
  $ 40001 -  45000                 $42,748        $3,517                   3.87
  $ 45001 -  50000                 $47,560        $4,147                   3.95
  $ 50001 -  75000                 $59,998        $5,973                   4.01
  $ 75001 - 100000                 $83,314       $11,524                   3.59
  OVER $100,000                   $197,908       $46,924                   3.55

                    ______________________________________________________________
  TOTAL                            $36,012        $3,854                   2.61
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      WEST VALLEY UT
                        _________________________________________________
  UNDER $1              76     $-1,229,449        $4,694     -0.38          114
  $     1  -  5000    4531     $11,755,103       $69,340      0.59         2632
  $  5001 -  10000    4172     $31,172,868      $921,311      2.96         5022
  $ 10001 -  15000    4204     $52,594,294    $2,530,867      4.81         7057
  $ 15001 -  20000    3797     $66,091,531    $4,147,994      6.28         7520
  $ 20001 -  25000    3192     $71,691,052    $5,124,159      7.15         7463
  $ 25001 -  30000    2579     $70,837,315    $5,452,484      7.70         6903
  $ 30001 -  35000    2262     $73,504,040    $6,124,805      8.33         6614
  $ 35001 -  40000    1944     $72,893,237    $6,335,282      8.69         6332
  $ 40001 -  45000    1698     $72,061,954    $6,515,251      9.04         5807
  $ 45001 -  50000    1381     $65,529,795    $6,142,028      9.37         4841
  $ 50001 -  75000    3286    $194,308,976   $20,843,574     10.73        11941
  $ 75001 - 100000     419     $35,053,421    $4,992,626     14.24         1547
  OVER $100,000        135     $22,377,257    $5,031,369     22.48          491

                    ______________________________________________________________
  TOTAL              33676    $838,641,394   $74,235,784      8.85        74284
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.2            -0.1           0.0                    0.2
  $     1  -  5000    13.5             1.4           0.1                    3.5
  $  5001 -  10000    12.4             3.7           1.2                    6.8
  $ 10001 -  15000    12.5             6.3           3.4                    9.5
  $ 15001 -  20000    11.3             7.9           5.6                   10.1
  $ 20001 -  25000     9.5             8.5           6.9                   10.0
  $ 25001 -  30000     7.7             8.4           7.3                    9.3
  $ 30001 -  35000     6.7             8.8           8.3                    8.9
  $ 35001 -  40000     5.8             8.7           8.5                    8.5
  $ 40001 -  45000     5.0             8.6           8.8                    7.8
  $ 45001 -  50000     4.1             7.8           8.3                    6.5
  $ 50001 -  75000     9.8            23.2          28.1                   16.1
  $ 75001 - 100000     1.2             4.2           6.7                    2.1
  OVER $100,000        0.4             2.7           6.8                    0.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-16,177           $62                   1.50
  $     1  -  5000                  $2,594           $15                   0.58
  $  5001 -  10000                  $7,472          $221                   1.20
  $ 10001 -  15000                 $12,511          $602                   1.68
  $ 15001 -  20000                 $17,406        $1,092                   1.98
  $ 20001 -  25000                 $22,460        $1,605                   2.34
  $ 25001 -  30000                 $27,467        $2,114                   2.68
  $ 30001 -  35000                 $32,495        $2,708                   2.92
  $ 35001 -  40000                 $37,497        $3,259                   3.26
  $ 40001 -  45000                 $42,439        $3,837                   3.42
  $ 45001 -  50000                 $47,451        $4,448                   3.51
  $ 50001 -  75000                 $59,132        $6,343                   3.63
  $ 75001 - 100000                 $83,660       $11,916                   3.69
  OVER $100,000                   $165,757       $37,269                   3.64

                    ______________________________________________________________
  TOTAL                            $24,903        $2,204                   2.21
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      WILLARD UT
                        _________________________________________________
  UNDER $ 5,000        121         $59,737        $1,951      3.27           88
  $  5001 -  10000      91        $674,870       $15,945      2.36          114
  $ 10001 -  15000      88      $1,105,128       $49,508      4.48          151
  $ 15001 -  20000      88      $1,515,988       $84,807      5.59          201
  $ 20001 -  25000      78      $1,723,635      $114,083      6.62          202
  $ 25001 -  30000      63      $1,735,016      $144,521      8.33          152
  $ 30001 -  35000      54      $1,750,031      $144,296      8.25          151
  $ 35001 -  40000      63      $2,371,673      $224,071      9.45          175
  $ 40001 -  45000      40      $1,705,726      $160,797      9.43          133
  $ 45001 -  50000      28      $1,322,104      $113,417      8.58          112
  $ 50001 -  75000     120      $7,198,580      $772,773     10.74          453
  $ 75001 - 100000      24      $1,982,789      $275,372     13.89           91
  OVER $100,000         11      $1,846,601      $389,526     21.09           34

                    ______________________________________________________________
  TOTAL                869     $24,991,878    $2,491,067      9.97         2057
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       13.9             0.2           0.1                    4.3
  $  5001 -  10000    10.5             2.7           0.6                    5.5
  $ 10001 -  15000    10.1             4.4           2.0                    7.3
  $ 15001 -  20000    10.1             6.1           3.4                    9.8
  $ 20001 -  25000     9.0             6.9           4.6                    9.8
  $ 25001 -  30000     7.2             6.9           5.8                    7.4
  $ 30001 -  35000     6.2             7.0           5.8                    7.3
  $ 35001 -  40000     7.2             9.5           9.0                    8.5
  $ 40001 -  45000     4.6             6.8           6.5                    6.5
  $ 45001 -  50000     3.2             5.3           4.6                    5.4
  $ 50001 -  75000    13.8            28.8          31.0                   22.0
  $ 75001 - 100000     2.8             7.9          11.1                    4.4
  OVER $100,000        1.3             7.4          15.6                    1.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                       $494           $16                   0.73
  $  5001 -  10000                  $7,416          $175                   1.25
  $ 10001 -  15000                 $12,558          $563                   1.72
  $ 15001 -  20000                 $17,227          $964                   2.28
  $ 20001 -  25000                 $22,098        $1,463                   2.59
  $ 25001 -  30000                 $27,540        $2,294                   2.41
  $ 30001 -  35000                 $32,408        $2,672                   2.80
  $ 35001 -  40000                 $37,646        $3,557                   2.78
  $ 40001 -  45000                 $42,643        $4,020                   3.33
  $ 45001 -  50000                 $47,218        $4,051                   4.00
  $ 50001 -  75000                 $59,988        $6,440                   3.78
  $ 75001 - 100000                 $82,616       $11,474                   3.79
  OVER $100,000                   $167,873       $35,411                   3.09

                    ______________________________________________________________
  TOTAL                            $28,759        $2,867                   2.37
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      WOODS CROSS UT
                        _________________________________________________
  UNDER $ 5,000        291        $656,421        $4,157      0.63          142
  $  5001 -  10000     223      $1,676,472       $57,181      3.41          220
  $ 10001 -  15000     192      $2,384,996      $127,928      5.36          281
  $ 15001 -  20000     171      $2,999,511      $188,444      6.28          320
  $ 20001 -  25000     144      $3,247,862      $227,640      7.01          334
  $ 25001 -  30000     121      $3,322,265      $244,621      7.36          312
  $ 30001 -  35000     119      $3,847,225      $308,340      8.01          350
  $ 35001 -  40000     126      $4,743,467      $403,784      8.51          399
  $ 40001 -  45000     107      $4,538,134      $398,301      8.78          376
  $ 45001 -  50000     124      $5,885,680      $510,548      8.67          503
  $ 50001 -  75000     313     $18,701,957    $1,914,475     10.24         1192
  $ 75001 - 100000      56      $4,726,463      $643,300     13.61          226
  OVER $100,000         28      $4,841,393    $1,044,023     21.56          120

                    ______________________________________________________________
  TOTAL               2015     $61,571,846    $6,072,742      9.86         4775
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       14.4             1.1           0.1                    3.0
  $  5001 -  10000    11.1             2.7           0.9                    4.6
  $ 10001 -  15000     9.5             3.9           2.1                    5.9
  $ 15001 -  20000     8.5             4.9           3.1                    6.7
  $ 20001 -  25000     7.1             5.3           3.7                    7.0
  $ 25001 -  30000     6.0             5.4           4.0                    6.5
  $ 30001 -  35000     5.9             6.2           5.1                    7.3
  $ 35001 -  40000     6.3             7.7           6.6                    8.4
  $ 40001 -  45000     5.3             7.4           6.6                    7.9
  $ 45001 -  50000     6.2             9.6           8.4                   10.5
  $ 50001 -  75000    15.5            30.4          31.5                   25.0
  $ 75001 - 100000     2.8             7.7          10.6                    4.7
  OVER $100,000        1.4             7.9          17.2                    2.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,256           $14                   0.49
  $  5001 -  10000                  $7,518          $256                   0.99
  $ 10001 -  15000                 $12,422          $666                   1.46
  $ 15001 -  20000                 $17,541        $1,102                   1.87
  $ 20001 -  25000                 $22,555        $1,581                   2.32
  $ 25001 -  30000                 $27,457        $2,022                   2.58
  $ 30001 -  35000                 $32,330        $2,591                   2.94
  $ 35001 -  40000                 $37,647        $3,205                   3.17
  $ 40001 -  45000                 $42,412        $3,722                   3.51
  $ 45001 -  50000                 $47,465        $4,117                   4.06
  $ 50001 -  75000                 $59,751        $6,117                   3.81
  $ 75001 - 100000                 $84,401       $11,488                   4.04
  OVER $100,000                   $172,907       $37,287                   4.29

                    ______________________________________________________________
  TOTAL                            $30,557        $3,014                   2.37
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION