TABLE OF CONTENTS (TOC)
COUNTY

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DAGGETT        
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DUCHESNE       
EMERY          
GARFIELD       
GRAND          
IRON           
JUAB           
KANE           
MILLARD        
MORGAN         
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RICH           
SALT LAKE      
SAN JUAN       
SANPETE        
SEVIER         
SUMMIT         
TOOELE         
UINTAH         
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WASHINGTON     
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STATE OF UTAH  
OTHER UTAH     


****************************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
                        _________________________________________________
  UNDER $1              42     $-1,935,970             .       .            124
  $     1  -  5000     343        $952,283        $4,007      0.42          205
  $  5001 -  10000     249      $1,846,713       $36,090      1.95          379
  $ 10001 -  15000     235      $2,907,223       $98,641      3.39          477
  $ 15001 -  20000     215      $3,774,739      $150,251      3.98          631
  $ 20001 -  25000     169      $3,778,531      $206,465      5.46          506
  $ 25001 -  30000     115      $3,126,644      $203,863      6.52          370
  $ 30001 -  35000     107      $3,432,596      $244,586      7.13          407
  $ 35001 -  40000      83      $3,093,391      $240,230      7.77          319
  $ 40001 -  45000      68      $2,877,911      $247,247      8.59          260
  $ 45001 -  50000      41      $1,942,686      $186,831      9.62          143
  $ 50001 -  75000     209     $12,574,212    $1,342,419     10.68          813
  $ 75001 - 100000      35      $2,925,226      $411,298     14.06          126
  $100001 - 250000      13      $1,929,759      $359,148     18.61           48

                    ______________________________________________________________
  TOTAL               1924     $43,225,944    $3,731,076      8.63         4808
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             2.2            -4.5            .                     2.6
  $     1  -  5000    17.8             2.2           0.1                    4.3
  $  5001 -  10000    12.9             4.3           1.0                    7.9
  $ 10001 -  15000    12.2             6.7           2.6                    9.9
  $ 15001 -  20000    11.2             8.7           4.0                   13.1
  $ 20001 -  25000     8.8             8.7           5.5                   10.5
  $ 25001 -  30000     6.0             7.2           5.5                    7.7
  $ 30001 -  35000     5.6             7.9           6.6                    8.5
  $ 35001 -  40000     4.3             7.2           6.4                    6.6
  $ 40001 -  45000     3.5             6.7           6.6                    5.4
  $ 45001 -  50000     2.1             4.5           5.0                    3.0
  $ 50001 -  75000    10.9            29.1          36.0                   16.9
  $ 75001 - 100000     1.8             6.8          11.0                    2.6
  $100001 - 250000     0.7             4.5           9.6                    1.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-46,095             .                   2.95
  $     1  -  5000                  $2,776           $12                   0.60
  $  5001 -  10000                  $7,417          $145                   1.52
  $ 10001 -  15000                 $12,371          $420                   2.03
  $ 15001 -  20000                 $17,557          $699                   2.93
  $ 20001 -  25000                 $22,358        $1,222                   2.99
  $ 25001 -  30000                 $27,188        $1,773                   3.22
  $ 30001 -  35000                 $32,080        $2,286                   3.80
  $ 35001 -  40000                 $37,270        $2,894                   3.84
  $ 40001 -  45000                 $42,322        $3,636                   3.82
  $ 45001 -  50000                 $47,383        $4,557                   3.49
  $ 50001 -  75000                 $60,164        $6,423                   3.89
  $ 75001 - 100000                 $83,578       $11,751                   3.60
  $100001 - 250000                $148,443       $27,627                   3.69

                    ______________________________________________________________
  TOTAL                            $22,467        $1,939                   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      BOX ELDER
                        _________________________________________________
  UNDER $1             108     $-4,281,016        $4,587     -0.11          245
  $     1  -  5000    2202      $5,571,852       $64,330      1.15          896
  $  5001 -  10000    1630     $12,083,747      $361,172      2.99         1880
  $ 10001 -  15000    1294     $16,170,905      $703,739      4.35         2267
  $ 15001 -  20000    1285     $22,555,788    $1,254,841      5.56         2822
  $ 20001 -  25000    1253     $28,084,705    $1,881,753      6.70         3156
  $ 25001 -  30000    1011     $27,816,587    $2,039,157      7.33         2937
  $ 30001 -  35000     943     $30,582,847    $2,428,952      7.94         3029
  $ 35001 -  40000     903     $33,902,878    $2,899,498      8.55         3160
  $ 40001 -  45000     766     $32,548,399    $2,858,438      8.78         2865
  $ 45001 -  50000     759     $36,025,226    $3,285,228      9.12         3002
  $ 50001 -  75000    2071    $124,693,895   $13,258,720     10.63         8295
  $ 75001 - 100000     514     $43,466,240    $6,131,694     14.11         1925
  $100001 - 250000     224     $30,818,064    $5,797,761     18.81          825
  OVER $250,000         29     $13,039,207    $3,888,503     29.82           87

                    ______________________________________________________________
  TOTAL              14992    $453,079,324   $46,858,373     10.34        37391
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.9           0.0                    0.7
  $     1  -  5000    14.7             1.2           0.1                    2.4
  $  5001 -  10000    10.9             2.7           0.8                    5.0
  $ 10001 -  15000     8.6             3.6           1.5                    6.1
  $ 15001 -  20000     8.6             5.0           2.7                    7.5
  $ 20001 -  25000     8.4             6.2           4.0                    8.4
  $ 25001 -  30000     6.7             6.1           4.4                    7.9
  $ 30001 -  35000     6.3             6.7           5.2                    8.1
  $ 35001 -  40000     6.0             7.5           6.2                    8.5
  $ 40001 -  45000     5.1             7.2           6.1                    7.7
  $ 45001 -  50000     5.1             8.0           7.0                    8.0
  $ 50001 -  75000    13.8            27.5          28.3                   22.2
  $ 75001 - 100000     3.4             9.6          13.1                    5.1
  $100001 - 250000     1.5             6.8          12.4                    2.2
  OVER $250,000        0.2             2.9           8.3                    0.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-39,639           $42                   2.27
  $     1  -  5000                  $2,530           $29                   0.41
  $  5001 -  10000                  $7,413          $222                   1.15
  $ 10001 -  15000                 $12,497          $544                   1.75
  $ 15001 -  20000                 $17,553          $977                   2.20
  $ 20001 -  25000                 $22,414        $1,502                   2.52
  $ 25001 -  30000                 $27,514        $2,017                   2.91
  $ 30001 -  35000                 $32,431        $2,576                   3.21
  $ 35001 -  40000                 $37,545        $3,211                   3.50
  $ 40001 -  45000                 $42,491        $3,732                   3.74
  $ 45001 -  50000                 $47,464        $4,328                   3.96
  $ 50001 -  75000                 $60,210        $6,402                   4.01
  $ 75001 - 100000                 $84,565       $11,929                   3.75
  $100001 - 250000                $137,581       $25,883                   3.68
  OVER $250,000                   $449,628      $134,086                   3.00

                    ______________________________________________________________
  TOTAL                            $30,221        $3,126                   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      CACHE
                        _________________________________________________
  UNDER $1             217     $-2,856,529        $1,067     -0.04          363
  $     1  -  5000    4782     $12,738,873      $141,195      1.11         2376
  $  5001 -  10000    4138     $30,596,615      $895,333      2.93         4734
  $ 10001 -  15000    3454     $43,086,931    $1,863,312      4.32         6209
  $ 15001 -  20000    2962     $51,613,140    $2,818,798      5.46         6561
  $ 20001 -  25000    2373     $53,159,076    $3,451,004      6.49         6089
  $ 25001 -  30000    1913     $52,532,978    $3,803,276      7.24         5521
  $ 30001 -  35000    1756     $56,923,711    $4,373,115      7.68         5768
  $ 35001 -  40000    1525     $57,045,957    $4,629,612      8.12         5374
  $ 40001 -  45000    1292     $54,796,977    $4,641,397      8.47         4883
  $ 45001 -  50000    1051     $49,825,950    $4,407,936      8.85         4106
  $ 50001 -  75000    3081    $185,262,514   $19,132,409     10.33        11950
  $ 75001 - 100000     893     $75,864,042   $10,339,853     13.63         3333
  $100001 - 250000     560     $79,495,751   $14,501,267     18.24         2223
  OVER $250,000         78     $47,252,566   $12,823,124     27.14          293

                    ______________________________________________________________
  TOTAL              30075    $847,338,552   $87,822,698     10.36        69783
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.3           0.0                    0.5
  $     1  -  5000    15.9             1.5           0.2                    3.4
  $  5001 -  10000    13.8             3.6           1.0                    6.8
  $ 10001 -  15000    11.5             5.1           2.1                    8.9
  $ 15001 -  20000     9.8             6.1           3.2                    9.4
  $ 20001 -  25000     7.9             6.3           3.9                    8.7
  $ 25001 -  30000     6.4             6.2           4.3                    7.9
  $ 30001 -  35000     5.8             6.7           5.0                    8.3
  $ 35001 -  40000     5.1             6.7           5.3                    7.7
  $ 40001 -  45000     4.3             6.5           5.3                    7.0
  $ 45001 -  50000     3.5             5.9           5.0                    5.9
  $ 50001 -  75000    10.2            21.9          21.8                   17.1
  $ 75001 - 100000     3.0             9.0          11.8                    4.8
  $100001 - 250000     1.9             9.4          16.5                    3.2
  OVER $250,000        0.3             5.6          14.6                    0.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-13,164            $5                   1.67
  $     1  -  5000                  $2,664           $30                   0.50
  $  5001 -  10000                  $7,394          $216                   1.14
  $ 10001 -  15000                 $12,475          $539                   1.80
  $ 15001 -  20000                 $17,425          $952                   2.22
  $ 20001 -  25000                 $22,402        $1,454                   2.57
  $ 25001 -  30000                 $27,461        $1,988                   2.89
  $ 30001 -  35000                 $32,417        $2,490                   3.28
  $ 35001 -  40000                 $37,407        $3,036                   3.52
  $ 40001 -  45000                 $42,413        $3,592                   3.78
  $ 45001 -  50000                 $47,408        $4,194                   3.91
  $ 50001 -  75000                 $60,131        $6,210                   3.88
  $ 75001 - 100000                 $84,954       $11,579                   3.73
  $100001 - 250000                $141,957       $25,895                   3.97
  OVER $250,000                   $605,802      $164,399                   3.76

                    ______________________________________________________________
  TOTAL                            $28,174        $2,920                   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      CARBON
                        _________________________________________________
  UNDER $1              53       $-613,494          $285     -0.05           98
  $     1  -  5000    1253      $3,238,827       $23,511      0.73          978
  $  5001 -  10000    1001      $7,513,177      $175,468      2.34         1387
  $ 10001 -  15000     779      $9,621,048      $343,497      3.57         1489
  $ 15001 -  20000     679     $11,872,691      $630,344      5.31         1494
  $ 20001 -  25000     491     $11,046,171      $753,792      6.82         1193
  $ 25001 -  30000     496     $13,628,982    $1,080,354      7.93         1318
  $ 30001 -  35000     414     $13,450,364    $1,164,837      8.66         1190
  $ 35001 -  40000     348     $13,010,034    $1,192,808      9.17         1086
  $ 40001 -  45000     371     $15,755,288    $1,563,137      9.92         1153
  $ 45001 -  50000     322     $15,275,154    $1,498,362      9.81         1144
  $ 50001 -  75000    1105     $67,189,909    $7,833,031     11.66         3992
  $ 75001 - 100000     270     $23,014,298    $3,479,919     15.12          956
  $100001 - 250000     101     $13,074,373    $2,483,265     18.99          384
  OVER $250,000         10      $4,148,249    $1,181,377     28.48           34

                    ______________________________________________________________
  TOTAL               7693    $221,225,071   $23,403,987     10.58        17896
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.3           0.0                    0.5
  $     1  -  5000    16.3             1.5           0.1                    5.5
  $  5001 -  10000    13.0             3.4           0.7                    7.8
  $ 10001 -  15000    10.1             4.3           1.5                    8.3
  $ 15001 -  20000     8.8             5.4           2.7                    8.3
  $ 20001 -  25000     6.4             5.0           3.2                    6.7
  $ 25001 -  30000     6.4             6.2           4.6                    7.4
  $ 30001 -  35000     5.4             6.1           5.0                    6.6
  $ 35001 -  40000     4.5             5.9           5.1                    6.1
  $ 40001 -  45000     4.8             7.1           6.7                    6.4
  $ 45001 -  50000     4.2             6.9           6.4                    6.4
  $ 50001 -  75000    14.4            30.4          33.5                   22.3
  $ 75001 - 100000     3.5            10.4          14.9                    5.3
  $100001 - 250000     1.3             5.9          10.6                    2.1
  OVER $250,000        0.1             1.9           5.0                    0.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-11,575            $5                   1.85
  $     1  -  5000                  $2,585           $19                   0.78
  $  5001 -  10000                  $7,506          $175                   1.39
  $ 10001 -  15000                 $12,351          $441                   1.91
  $ 15001 -  20000                 $17,486          $928                   2.20
  $ 20001 -  25000                 $22,497        $1,535                   2.43
  $ 25001 -  30000                 $27,478        $2,178                   2.66
  $ 30001 -  35000                 $32,489        $2,814                   2.87
  $ 35001 -  40000                 $37,385        $3,428                   3.12
  $ 40001 -  45000                 $42,467        $4,213                   3.11
  $ 45001 -  50000                 $47,438        $4,653                   3.55
  $ 50001 -  75000                 $60,805        $7,089                   3.61
  $ 75001 - 100000                 $85,238       $12,889                   3.54
  $100001 - 250000                $129,449       $24,587                   3.80
  OVER $250,000                   $414,825      $118,138                   3.40

                    ______________________________________________________________
  TOTAL                            $28,757        $3,042                   2.33
                    ______________________________________________________________
          # 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      DAGGETT
                        _________________________________________________
  UNDER $ 5,000         44       $-198,610          $515     -0.26           35
  $  5001 -  10000      29        $222,688        $5,551      2.49           43
  $ 10001 -  15000      18        $219,856        $9,689      4.41           30
  $ 15001 -  20000      26        $449,710       $25,795      5.74           47
  $ 20001 -  25000      30        $672,828       $48,512      7.21           71
  $ 25001 -  30000      23        $619,259       $41,268      6.66           77
  $ 30001 -  35000      19        $616,711       $53,914      8.74           59
  $ 35001 -  40000      25        $937,481       $84,048      8.97           91
  $ 40001 -  45000      13        $556,494       $54,075      9.72           52
  $ 45001 -  50000      11        $527,499       $52,604      9.97           38
  $ 50001 - 250000      40      $2,739,880      $371,611     13.56          137

                    ______________________________________________________________
  TOTAL                278      $7,363,796      $747,582     10.15          680
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       15.8            -2.7           0.1                    5.1
  $  5001 -  10000    10.4             3.0           0.7                    6.3
  $ 10001 -  15000     6.5             3.0           1.3                    4.4
  $ 15001 -  20000     9.4             6.1           3.5                    6.9
  $ 20001 -  25000    10.8             9.1           6.5                   10.4
  $ 25001 -  30000     8.3             8.4           5.5                   11.3
  $ 30001 -  35000     6.8             8.4           7.2                    8.7
  $ 35001 -  40000     9.0            12.7          11.2                   13.4
  $ 40001 -  45000     4.7             7.6           7.2                    7.6
  $ 45001 -  50000     4.0             7.2           7.0                    5.6
  $ 50001 - 250000    14.4            37.2          49.7                   20.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                    $-4,514           $12                   0.80
  $  5001 -  10000                  $7,679          $191                   1.48
  $ 10001 -  15000                 $12,214          $538                   1.67
  $ 15001 -  20000                 $17,297          $992                   1.81
  $ 20001 -  25000                 $22,428        $1,617                   2.37
  $ 25001 -  30000                 $26,924        $1,794                   3.35
  $ 30001 -  35000                 $32,458        $2,838                   3.11
  $ 35001 -  40000                 $37,499        $3,362                   3.64
  $ 40001 -  45000                 $42,807        $4,160                   4.00
  $ 45001 -  50000                 $47,954        $4,782                   3.45
  $ 50001 - 250000                 $68,497        $9,290                   3.43

                    ______________________________________________________________
  TOTAL                            $26,488        $2,689                   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      DAVIS
                        _________________________________________________
  UNDER $1             271     $-5,827,793       $21,565     -0.37          485
  $     1  -  5000   12684     $32,053,423      $334,994      1.05         4560
  $  5001 -  10000    8891     $65,585,590    $2,342,444      3.57         8088
  $ 10001 -  15000    7513     $93,647,415    $4,881,544      5.21        11230
  $ 15001 -  20000    6722    $117,447,438    $7,221,723      6.15        13138
  $ 20001 -  25000    5836    $130,849,188    $9,160,955      7.00        13358
  $ 25001 -  30000    5137    $141,043,104   $10,748,979      7.62        13295
  $ 30001 -  35000    4692    $152,303,490   $12,404,409      8.14        13502
  $ 35001 -  40000    4583    $171,615,230   $14,705,596      8.57        14566
  $ 40001 -  45000    4125    $175,254,414   $15,497,235      8.84        14052
  $ 45001 -  50000    3715    $176,294,591   $15,954,156      9.05        13483
  $ 50001 -  75000   12577    $763,034,822   $77,857,064     10.20        47418
  $ 75001 - 100000    4056    $344,780,040   $45,174,015     13.10        15482
  $100001 - 250000    2493    $343,326,717   $59,619,319     17.37        10401
  OVER $250,000        367    $168,682,363   $47,361,928     28.08         1551

                    ______________________________________________________________
  TOTAL              83662  $2,870,090,032  $323,285,926     11.26       194609
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.3            -0.2           0.0                    0.2
  $     1  -  5000    15.2             1.1           0.1                    2.3
  $  5001 -  10000    10.6             2.3           0.7                    4.2
  $ 10001 -  15000     9.0             3.3           1.5                    5.8
  $ 15001 -  20000     8.0             4.1           2.2                    6.8
  $ 20001 -  25000     7.0             4.6           2.8                    6.9
  $ 25001 -  30000     6.1             4.9           3.3                    6.8
  $ 30001 -  35000     5.6             5.3           3.8                    6.9
  $ 35001 -  40000     5.5             6.0           4.5                    7.5
  $ 40001 -  45000     4.9             6.1           4.8                    7.2
  $ 45001 -  50000     4.4             6.1           4.9                    6.9
  $ 50001 -  75000    15.0            26.6          24.1                   24.4
  $ 75001 - 100000     4.8            12.0          14.0                    8.0
  $100001 - 250000     3.0            12.0          18.4                    5.3
  OVER $250,000        0.4             5.9          14.7                    0.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-21,505           $80                   1.79
  $     1  -  5000                  $2,527           $26                   0.36
  $  5001 -  10000                  $7,377          $263                   0.91
  $ 10001 -  15000                 $12,465          $650                   1.49
  $ 15001 -  20000                 $17,472        $1,074                   1.95
  $ 20001 -  25000                 $22,421        $1,570                   2.29
  $ 25001 -  30000                 $27,456        $2,092                   2.59
  $ 30001 -  35000                 $32,460        $2,644                   2.88
  $ 35001 -  40000                 $37,446        $3,209                   3.18
  $ 40001 -  45000                 $42,486        $3,757                   3.41
  $ 45001 -  50000                 $47,455        $4,295                   3.63
  $ 50001 -  75000                 $60,669        $6,190                   3.77
  $ 75001 - 100000                 $85,005       $11,138                   3.82
  $100001 - 250000                $137,716       $23,915                   4.17
  OVER $250,000                   $459,625      $129,052                   4.23

                    ______________________________________________________________
  TOTAL                            $34,306        $3,864                   2.33
                    ______________________________________________________________
          # 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      DUCHESNE
                        _________________________________________________
  UNDER $1              96     $-2,853,824        $2,161     -0.08          209
  $     1  -  5000     900      $2,304,251       $16,073      0.70          803
  $  5001 -  10000     634      $4,665,967       $87,990      1.89         1127
  $ 10001 -  15000     538      $6,724,264      $201,834      3.00         1279
  $ 15001 -  20000     462      $8,038,860      $334,318      4.16         1332
  $ 20001 -  25000     425      $9,536,537      $510,508      5.35         1400
  $ 25001 -  30000     393     $10,818,720      $709,076      6.55         1344
  $ 30001 -  35000     321     $10,397,148      $785,214      7.55         1139
  $ 35001 -  40000     269     $10,032,183      $815,777      8.13         1039
  $ 40001 -  45000     211      $8,919,144      $781,449      8.76          797
  $ 45001 -  50000     167      $7,878,297      $708,834      9.00          678
  $ 50001 -  75000     342     $20,171,087    $2,112,123     10.47         1385
  $ 75001 - 100000      66      $5,565,498      $746,815     13.42          256
  OVER $100,000         34      $5,332,106    $1,016,803     19.07          143

                    ______________________________________________________________
  TOTAL               4858    $107,530,238    $8,828,975      8.21        12931
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             2.0            -2.7           0.0                    1.6
  $     1  -  5000    18.5             2.1           0.2                    6.2
  $  5001 -  10000    13.1             4.3           1.0                    8.7
  $ 10001 -  15000    11.1             6.3           2.3                    9.9
  $ 15001 -  20000     9.5             7.5           3.8                   10.3
  $ 20001 -  25000     8.7             8.9           5.8                   10.8
  $ 25001 -  30000     8.1            10.1           8.0                   10.4
  $ 30001 -  35000     6.6             9.7           8.9                    8.8
  $ 35001 -  40000     5.5             9.3           9.2                    8.0
  $ 40001 -  45000     4.3             8.3           8.9                    6.2
  $ 45001 -  50000     3.4             7.3           8.0                    5.2
  $ 50001 -  75000     7.0            18.8          23.9                   10.7
  $ 75001 - 100000     1.4             5.2           8.5                    2.0
  OVER $100,000        0.7             5.0          11.5                    1.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-29,727           $23                   2.18
  $     1  -  5000                  $2,560           $18                   0.89
  $  5001 -  10000                  $7,360          $139                   1.78
  $ 10001 -  15000                 $12,499          $375                   2.38
  $ 15001 -  20000                 $17,400          $724                   2.88
  $ 20001 -  25000                 $22,439        $1,201                   3.29
  $ 25001 -  30000                 $27,529        $1,804                   3.42
  $ 30001 -  35000                 $32,390        $2,446                   3.55
  $ 35001 -  40000                 $37,294        $3,033                   3.86
  $ 40001 -  45000                 $42,271        $3,704                   3.78
  $ 45001 -  50000                 $47,175        $4,245                   4.06
  $ 50001 -  75000                 $58,980        $6,176                   4.05
  $ 75001 - 100000                 $84,326       $11,315                   3.88
  OVER $100,000                   $156,827       $29,906                   4.21

                    ______________________________________________________________
  TOTAL                            $22,135        $1,817                   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      EMERY
                        _________________________________________________
  UNDER $1              34       $-595,403            $2     -0.00           81
  $     1  -  5000     576      $1,539,517       $15,596      1.01          333
  $  5001 -  10000     390      $2,888,897       $55,706      1.93          627
  $ 10001 -  15000     338      $4,258,161      $138,699      3.26          710
  $ 15001 -  20000     277      $4,843,013      $216,229      4.46          743
  $ 20001 -  25000     240      $5,363,468      $296,649      5.53          727
  $ 25001 -  30000     205      $5,639,096      $378,112      6.71          686
  $ 30001 -  35000     203      $6,591,637      $489,286      7.42          767
  $ 35001 -  40000     190      $7,134,286      $601,382      8.43          697
  $ 40001 -  45000     202      $8,583,916      $764,392      8.90          806
  $ 45001 -  50000     193      $9,171,046      $826,158      9.01          826
  $ 50001 -  75000     574     $34,247,318    $3,662,132     10.69         2311
  $ 75001 - 100000      86      $7,237,369    $1,012,470     13.99          355
  OVER $100,000         29      $5,498,189    $1,223,441     22.25          121

                    ______________________________________________________________
  TOTAL               3537    $102,400,510    $9,680,254      9.45         9790
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.0            -0.6           0.0                    0.8
  $     1  -  5000    16.3             1.5           0.2                    3.4
  $  5001 -  10000    11.0             2.8           0.6                    6.4
  $ 10001 -  15000     9.6             4.2           1.4                    7.3
  $ 15001 -  20000     7.8             4.7           2.2                    7.6
  $ 20001 -  25000     6.8             5.2           3.1                    7.4
  $ 25001 -  30000     5.8             5.5           3.9                    7.0
  $ 30001 -  35000     5.7             6.4           5.1                    7.8
  $ 35001 -  40000     5.4             7.0           6.2                    7.1
  $ 40001 -  45000     5.7             8.4           7.9                    8.2
  $ 45001 -  50000     5.5             9.0           8.5                    8.4
  $ 50001 -  75000    16.2            33.4          37.8                   23.6
  $ 75001 - 100000     2.4             7.1          10.5                    3.6
  OVER $100,000        0.8             5.4          12.6                    1.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-17,512            $0                   2.38
  $     1  -  5000                  $2,673           $27                   0.58
  $  5001 -  10000                  $7,407          $143                   1.61
  $ 10001 -  15000                 $12,598          $410                   2.10
  $ 15001 -  20000                 $17,484          $781                   2.68
  $ 20001 -  25000                 $22,348        $1,236                   3.03
  $ 25001 -  30000                 $27,508        $1,844                   3.35
  $ 30001 -  35000                 $32,471        $2,410                   3.78
  $ 35001 -  40000                 $37,549        $3,165                   3.67
  $ 40001 -  45000                 $42,495        $3,784                   3.99
  $ 45001 -  50000                 $47,518        $4,281                   4.28
  $ 50001 -  75000                 $59,664        $6,380                   4.03
  $ 75001 - 100000                 $84,155       $11,773                   4.13
  OVER $100,000                   $189,593       $42,188                   4.17

                    ______________________________________________________________
  TOTAL                            $28,951        $2,737                   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      GARFIELD
                        _________________________________________________
  UNDER $1              24       $-629,225             .       .             57
  $     1  -  5000     351        $902,026        $4,352      0.48          181
  $  5001 -  10000     266      $1,939,962       $40,175      2.07          396
  $ 10001 -  15000     218      $2,761,546       $99,780      3.61          458
  $ 15001 -  20000     186      $3,258,249      $168,017      5.16          461
  $ 20001 -  25000     136      $3,038,404      $174,968      5.76          386
  $ 25001 -  30000     104      $2,871,042      $196,965      6.86          335
  $ 30001 -  35000      80      $2,585,338      $199,212      7.71          272
  $ 35001 -  40000      86      $3,206,558      $262,437      8.18          327
  $ 40001 -  45000      73      $3,115,756      $259,033      8.31          298
  $ 45001 -  50000      43      $2,035,337      $205,598     10.10          129
  $ 50001 -  75000      93      $5,502,818      $560,997     10.19          388
  $ 75001 - 100000      18      $1,499,286      $231,340     15.43           66
  $100001 - 250000      20      $2,795,048      $560,976     20.07           61

                    ______________________________________________________________
  TOTAL               1698     $34,882,145    $2,963,850      8.50         3815
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.4            -1.8            .                     1.5
  $     1  -  5000    20.7             2.6           0.1                    4.7
  $  5001 -  10000    15.7             5.6           1.4                   10.4
  $ 10001 -  15000    12.8             7.9           3.4                   12.0
  $ 15001 -  20000    11.0             9.3           5.7                   12.1
  $ 20001 -  25000     8.0             8.7           5.9                   10.1
  $ 25001 -  30000     6.1             8.2           6.6                    8.8
  $ 30001 -  35000     4.7             7.4           6.7                    7.1
  $ 35001 -  40000     5.1             9.2           8.9                    8.6
  $ 40001 -  45000     4.3             8.9           8.7                    7.8
  $ 45001 -  50000     2.5             5.8           6.9                    3.4
  $ 50001 -  75000     5.5            15.8          18.9                   10.2
  $ 75001 - 100000     1.1             4.3           7.8                    1.7
  $100001 - 250000     1.2             8.0          18.9                    1.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-26,218             .                   2.38
  $     1  -  5000                  $2,570           $12                   0.52
  $  5001 -  10000                  $7,293          $151                   1.49
  $ 10001 -  15000                 $12,668          $458                   2.10
  $ 15001 -  20000                 $17,517          $903                   2.48
  $ 20001 -  25000                 $22,341        $1,287                   2.84
  $ 25001 -  30000                 $27,606        $1,894                   3.22
  $ 30001 -  35000                 $32,317        $2,490                   3.40
  $ 35001 -  40000                 $37,286        $3,052                   3.80
  $ 40001 -  45000                 $42,682        $3,548                   4.08
  $ 45001 -  50000                 $47,333        $4,781                   3.00
  $ 50001 -  75000                 $59,170        $6,032                   4.17
  $ 75001 - 100000                 $83,294       $12,852                   3.67
  $100001 - 250000                $139,752       $28,049                   3.05

                    ______________________________________________________________
  TOTAL                            $20,543        $1,745                   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      GRAND
                        _________________________________________________
  UNDER $1              26       $-474,504          $359     -0.08           49
  $     1  -  5000     552      $1,508,329        $8,709      0.58          407
  $  5001 -  10000     563      $4,207,569       $95,208      2.26          748
  $ 10001 -  15000     494      $6,130,802      $269,729      4.40          863
  $ 15001 -  20000     333      $5,795,751      $354,706      6.12          664
  $ 20001 -  25000     236      $5,261,238      $366,216      6.96          555
  $ 25001 -  30000     229      $6,262,201      $524,771      8.38          533
  $ 30001 -  35000     148      $4,813,103      $427,771      8.89          400
  $ 35001 -  40000     152      $5,669,228      $530,026      9.35          445
  $ 40001 -  45000     101      $4,302,398      $424,450      9.87          298
  $ 45001 -  50000      86      $4,080,303      $439,172     10.76          248
  $ 50001 -  75000     238     $14,375,701    $1,758,688     12.23          735
  $ 75001 - 100000      59      $4,907,246      $754,125     15.37          201
  OVER $100,000         45     $14,278,326    $4,152,134     29.08          132

                    ______________________________________________________________
  TOTAL               3262     $81,117,691   $10,106,064     12.46         6278
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.8            -0.6           0.0                    0.8
  $     1  -  5000    16.9             1.9           0.1                    6.5
  $  5001 -  10000    17.3             5.2           0.9                   11.9
  $ 10001 -  15000    15.1             7.6           2.7                   13.7
  $ 15001 -  20000    10.2             7.1           3.5                   10.6
  $ 20001 -  25000     7.2             6.5           3.6                    8.8
  $ 25001 -  30000     7.0             7.7           5.2                    8.5
  $ 30001 -  35000     4.5             5.9           4.2                    6.4
  $ 35001 -  40000     4.7             7.0           5.2                    7.1
  $ 40001 -  45000     3.1             5.3           4.2                    4.7
  $ 45001 -  50000     2.6             5.0           4.3                    4.0
  $ 50001 -  75000     7.3            17.7          17.4                   11.7
  $ 75001 - 100000     1.8             6.0           7.5                    3.2
  OVER $100,000        1.4            17.6          41.1                    2.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-18,250           $14                   1.88
  $     1  -  5000                  $2,732           $16                   0.74
  $  5001 -  10000                  $7,473          $169                   1.33
  $ 10001 -  15000                 $12,411          $546                   1.75
  $ 15001 -  20000                 $17,405        $1,065                   1.99
  $ 20001 -  25000                 $22,293        $1,552                   2.35
  $ 25001 -  30000                 $27,346        $2,292                   2.33
  $ 30001 -  35000                 $32,521        $2,890                   2.70
  $ 35001 -  40000                 $37,298        $3,487                   2.93
  $ 40001 -  45000                 $42,598        $4,202                   2.95
  $ 45001 -  50000                 $47,445        $5,107                   2.88
  $ 50001 -  75000                 $60,402        $7,389                   3.09
  $ 75001 - 100000                 $83,174       $12,782                   3.41
  OVER $100,000                   $317,296       $92,270                   2.93

                    ______________________________________________________________
  TOTAL                            $24,867        $3,098                   1.92
                    ______________________________________________________________
          # 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      IRON
                        _________________________________________________
  UNDER $1              73     $-1,326,408        $4,616     -0.35          179
  $     1  -  5000    1644      $4,421,679       $32,312      0.73         1050
  $  5001 -  10000    1467     $10,873,904      $274,077      2.52         2047
  $ 10001 -  15000    1283     $16,035,764      $587,409      3.66         2629
  $ 15001 -  20000     980     $16,979,021      $852,638      5.02         2328
  $ 20001 -  25000     832     $18,658,636    $1,149,529      6.16         2232
  $ 25001 -  30000     630     $17,258,345    $1,210,474      7.01         1888
  $ 30001 -  35000     510     $16,563,023    $1,282,381      7.74         1704
  $ 35001 -  40000     496     $18,552,332    $1,565,852      8.44         1671
  $ 40001 -  45000     374     $15,880,634    $1,404,580      8.84         1308
  $ 45001 -  50000     338     $16,038,026    $1,485,119      9.26         1213
  $ 50001 -  75000     923     $55,030,919    $5,757,190     10.46         3386
  $ 75001 - 100000     214     $18,034,396    $2,469,065     13.69          787
  $100001 - 250000     124     $16,380,620    $3,022,840     18.45          439
  OVER $250,000         11      $3,812,192    $1,040,421     27.29           39

                    ______________________________________________________________
  TOTAL               9899    $243,193,083   $22,138,503      9.10        22900
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.5           0.0                    0.8
  $     1  -  5000    16.6             1.8           0.1                    4.6
  $  5001 -  10000    14.8             4.5           1.2                    8.9
  $ 10001 -  15000    13.0             6.6           2.7                   11.5
  $ 15001 -  20000     9.9             7.0           3.9                   10.2
  $ 20001 -  25000     8.4             7.7           5.2                    9.7
  $ 25001 -  30000     6.4             7.1           5.5                    8.2
  $ 30001 -  35000     5.2             6.8           5.8                    7.4
  $ 35001 -  40000     5.0             7.6           7.1                    7.3
  $ 40001 -  45000     3.8             6.5           6.3                    5.7
  $ 45001 -  50000     3.4             6.6           6.7                    5.3
  $ 50001 -  75000     9.3            22.6          26.0                   14.8
  $ 75001 - 100000     2.2             7.4          11.2                    3.4
  $100001 - 250000     1.3             6.7          13.7                    1.9
  OVER $250,000        0.1             1.6           4.7                    0.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-18,170           $63                   2.45
  $     1  -  5000                  $2,690           $20                   0.64
  $  5001 -  10000                  $7,412          $187                   1.40
  $ 10001 -  15000                 $12,499          $458                   2.05
  $ 15001 -  20000                 $17,326          $870                   2.38
  $ 20001 -  25000                 $22,426        $1,382                   2.68
  $ 25001 -  30000                 $27,394        $1,921                   3.00
  $ 30001 -  35000                 $32,477        $2,514                   3.34
  $ 35001 -  40000                 $37,404        $3,157                   3.37
  $ 40001 -  45000                 $42,462        $3,756                   3.50
  $ 45001 -  50000                 $47,450        $4,394                   3.59
  $ 50001 -  75000                 $59,622        $6,237                   3.67
  $ 75001 - 100000                 $84,273       $11,538                   3.68
  $100001 - 250000                $132,102       $24,378                   3.54
  OVER $250,000                   $346,563       $94,584                   3.55

                    ______________________________________________________________
  TOTAL                            $24,567        $2,236                   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      JUAB
                        _________________________________________________
  UNDER $1              22       $-733,893             .       .             43
  $     1  -  5000     411      $1,060,808        $9,321      0.88          178
  $  5001 -  10000     299      $2,202,263       $60,154      2.73          346
  $ 10001 -  15000     267      $3,283,662      $112,498      3.43          530
  $ 15001 -  20000     226      $3,995,973      $209,482      5.24          537
  $ 20001 -  25000     218      $4,869,502      $304,983      6.26          576
  $ 25001 -  30000     189      $5,206,462      $349,556      6.71          609
  $ 30001 -  35000     153      $5,010,207      $359,657      7.18          568
  $ 35001 -  40000     175      $6,565,207      $540,826      8.24          657
  $ 40001 -  45000     136      $5,745,723      $513,666      8.94          529
  $ 45001 -  50000     117      $5,532,116      $504,738      9.12          505
  $ 50001 -  75000     224     $13,123,803    $1,370,333     10.44          899
  $ 75001 - 100000      29      $2,445,172      $317,337     12.98          121
  OVER $100,000         26      $4,004,388      $798,995     19.95          132

                    ______________________________________________________________
  TOTAL               2492     $62,311,393    $5,451,546      8.75         6230
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.9            -1.2            .                     0.7
  $     1  -  5000    16.5             1.7           0.2                    2.9
  $  5001 -  10000    12.0             3.5           1.1                    5.6
  $ 10001 -  15000    10.7             5.3           2.1                    8.5
  $ 15001 -  20000     9.1             6.4           3.8                    8.6
  $ 20001 -  25000     8.7             7.8           5.6                    9.2
  $ 25001 -  30000     7.6             8.4           6.4                    9.8
  $ 30001 -  35000     6.1             8.0           6.6                    9.1
  $ 35001 -  40000     7.0            10.5           9.9                   10.5
  $ 40001 -  45000     5.5             9.2           9.4                    8.5
  $ 45001 -  50000     4.7             8.9           9.3                    8.1
  $ 50001 -  75000     9.0            21.1          25.1                   14.4
  $ 75001 - 100000     1.2             3.9           5.8                    1.9
  OVER $100,000        1.0             6.4          14.7                    2.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-33,359             .                   1.95
  $     1  -  5000                  $2,581           $23                   0.43
  $  5001 -  10000                  $7,365          $201                   1.16
  $ 10001 -  15000                 $12,298          $421                   1.99
  $ 15001 -  20000                 $17,681          $927                   2.38
  $ 20001 -  25000                 $22,337        $1,399                   2.64
  $ 25001 -  30000                 $27,547        $1,850                   3.22
  $ 30001 -  35000                 $32,746        $2,351                   3.71
  $ 35001 -  40000                 $37,515        $3,090                   3.75
  $ 40001 -  45000                 $42,248        $3,777                   3.89
  $ 45001 -  50000                 $47,283        $4,314                   4.32
  $ 50001 -  75000                 $58,588        $6,118                   4.01
  $ 75001 - 100000                 $84,316       $10,943                   4.17
  OVER $100,000                   $154,015       $30,731                   5.08

                    ______________________________________________________________
  TOTAL                            $25,005        $2,188                   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      KANE
                        _________________________________________________
  UNDER $1              48       $-888,397          $267     -0.03          117
  $     1  -  5000     549      $1,478,131        $7,193      0.49          370
  $  5001 -  10000     377      $2,791,298       $58,323      2.09          615
  $ 10001 -  15000     364      $4,497,511      $161,063      3.58          790
  $ 15001 -  20000     265      $4,602,634      $200,223      4.35          763
  $ 20001 -  25000     178      $4,009,519      $236,512      5.90          562
  $ 25001 -  30000     150      $4,114,697      $276,023      6.71          502
  $ 30001 -  35000     137      $4,456,419      $352,738      7.92          449
  $ 35001 -  40000     104      $3,869,612      $314,384      8.12          382
  $ 40001 -  45000      98      $4,152,212      $370,608      8.93          360
  $ 45001 -  50000      70      $3,316,385      $304,778      9.19          274
  $ 50001 -  75000     156      $9,250,681      $964,380     10.42          632
  $ 75001 - 100000      37      $3,099,365      $463,508     14.95          137
  OVER $100,000         35      $6,009,266    $1,394,674     23.21          113

                    ______________________________________________________________
  TOTAL               2568     $54,759,333    $5,104,674      9.32         6066
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.9            -1.6           0.0                    1.9
  $     1  -  5000    21.4             2.7           0.1                    6.1
  $  5001 -  10000    14.7             5.1           1.1                   10.1
  $ 10001 -  15000    14.2             8.2           3.2                   13.0
  $ 15001 -  20000    10.3             8.4           3.9                   12.6
  $ 20001 -  25000     6.9             7.3           4.6                    9.3
  $ 25001 -  30000     5.8             7.5           5.4                    8.3
  $ 30001 -  35000     5.3             8.1           6.9                    7.4
  $ 35001 -  40000     4.0             7.1           6.2                    6.3
  $ 40001 -  45000     3.8             7.6           7.3                    5.9
  $ 45001 -  50000     2.7             6.1           6.0                    4.5
  $ 50001 -  75000     6.1            16.9          18.9                   10.4
  $ 75001 - 100000     1.4             5.7           9.1                    2.3
  OVER $100,000        1.4            11.0          27.3                    1.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-18,508            $6                   2.44
  $     1  -  5000                  $2,692           $13                   0.67
  $  5001 -  10000                  $7,404          $155                   1.63
  $ 10001 -  15000                 $12,356          $442                   2.17
  $ 15001 -  20000                 $17,368          $756                   2.88
  $ 20001 -  25000                 $22,525        $1,329                   3.16
  $ 25001 -  30000                 $27,431        $1,840                   3.35
  $ 30001 -  35000                 $32,529        $2,575                   3.28
  $ 35001 -  40000                 $37,208        $3,023                   3.67
  $ 40001 -  45000                 $42,370        $3,782                   3.67
  $ 45001 -  50000                 $47,377        $4,354                   3.91
  $ 50001 -  75000                 $59,299        $6,182                   4.05
  $ 75001 - 100000                 $83,767       $12,527                   3.70
  OVER $100,000                   $171,693       $39,848                   3.23

                    ______________________________________________________________
  TOTAL                            $21,324        $1,988                   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      MILLARD
                        _________________________________________________
  UNDER $1              82     $-2,367,152          $334     -0.01          246
  $     1  -  5000     653      $1,793,409       $14,412      0.80          345
  $  5001 -  10000     494      $3,618,210       $84,676      2.34          709
  $ 10001 -  15000     408      $5,130,580      $155,219      3.03          948
  $ 15001 -  20000     331      $5,749,816      $247,293      4.30          898
  $ 20001 -  25000     278      $6,248,204      $330,303      5.29          866
  $ 25001 -  30000     245      $6,711,158      $423,381      6.31          877
  $ 30001 -  35000     203      $6,605,674      $449,664      6.81          789
  $ 35001 -  40000     210      $7,897,706      $641,937      8.13          785
  $ 40001 -  45000     193      $8,168,938      $714,863      8.75          851
  $ 45001 -  50000     160      $7,593,966      $659,861      8.69          710
  $ 50001 -  75000     511     $30,350,479    $3,100,778     10.22         2258
  $ 75001 - 100000      84      $6,998,707      $959,634     13.71          361
  OVER $100,000         34      $5,973,648    $1,296,217     21.70          149

                    ______________________________________________________________
  TOTAL               3886    $100,473,343    $9,078,572      9.04        10792
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             2.1            -2.4           0.0                    2.3
  $     1  -  5000    16.8             1.8           0.2                    3.2
  $  5001 -  10000    12.7             3.6           0.9                    6.6
  $ 10001 -  15000    10.5             5.1           1.7                    8.8
  $ 15001 -  20000     8.5             5.7           2.7                    8.3
  $ 20001 -  25000     7.2             6.2           3.6                    8.0
  $ 25001 -  30000     6.3             6.7           4.7                    8.1
  $ 30001 -  35000     5.2             6.6           5.0                    7.3
  $ 35001 -  40000     5.4             7.9           7.1                    7.3
  $ 40001 -  45000     5.0             8.1           7.9                    7.9
  $ 45001 -  50000     4.1             7.6           7.3                    6.6
  $ 50001 -  75000    13.1            30.2          34.2                   20.9
  $ 75001 - 100000     2.2             7.0          10.6                    3.3
  OVER $100,000        0.9             5.9          14.3                    1.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-28,868            $4                   3.00
  $     1  -  5000                  $2,746           $22                   0.53
  $  5001 -  10000                  $7,324          $171                   1.44
  $ 10001 -  15000                 $12,575          $380                   2.32
  $ 15001 -  20000                 $17,371          $747                   2.71
  $ 20001 -  25000                 $22,476        $1,188                   3.12
  $ 25001 -  30000                 $27,392        $1,728                   3.58
  $ 30001 -  35000                 $32,540        $2,215                   3.89
  $ 35001 -  40000                 $37,608        $3,057                   3.74
  $ 40001 -  45000                 $42,326        $3,704                   4.41
  $ 45001 -  50000                 $47,462        $4,124                   4.44
  $ 50001 -  75000                 $59,394        $6,068                   4.42
  $ 75001 - 100000                 $83,318       $11,424                   4.30
  OVER $100,000                   $175,696       $38,124                   4.38

                    ______________________________________________________________
  TOTAL                            $25,855        $2,336                   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      MORGAN
                        _________________________________________________
  UNDER $1              23       $-452,783           $26     -0.01           41
  $     1  -  5000     394      $1,018,260       $10,568      1.04           95
  $  5001 -  10000     253      $1,898,598       $75,692      3.99          208
  $ 10001 -  15000     211      $2,644,698      $138,398      5.23          324
  $ 15001 -  20000     179      $3,149,965      $183,226      5.82          381
  $ 20001 -  25000     153      $3,457,720      $249,207      7.21          351
  $ 25001 -  30000     174      $4,835,869      $385,510      7.97          447
  $ 30001 -  35000     163      $5,291,510      $426,252      8.06          494
  $ 35001 -  40000     157      $5,887,312      $478,442      8.13          568
  $ 40001 -  45000     137      $5,818,169      $490,686      8.43          513
  $ 45001 -  50000     117      $5,541,989      $474,709      8.57          485
  $ 50001 -  75000     409     $24,894,228    $2,577,239     10.35         1661
  $ 75001 - 100000     107      $9,010,899    $1,152,523     12.79          447
  OVER $100,000         70     $10,459,395    $2,015,122     19.27          284

                    ______________________________________________________________
  TOTAL               2547     $83,455,829    $8,657,600     10.37         6299
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.9            -0.5           0.0                    0.7
  $     1  -  5000    15.5             1.2           0.1                    1.5
  $  5001 -  10000     9.9             2.3           0.9                    3.3
  $ 10001 -  15000     8.3             3.2           1.6                    5.1
  $ 15001 -  20000     7.0             3.8           2.1                    6.0
  $ 20001 -  25000     6.0             4.1           2.9                    5.6
  $ 25001 -  30000     6.8             5.8           4.5                    7.1
  $ 30001 -  35000     6.4             6.3           4.9                    7.8
  $ 35001 -  40000     6.2             7.1           5.5                    9.0
  $ 40001 -  45000     5.4             7.0           5.7                    8.1
  $ 45001 -  50000     4.6             6.6           5.5                    7.7
  $ 50001 -  75000    16.1            29.8          29.8                   26.4
  $ 75001 - 100000     4.2            10.8          13.3                    7.1
  OVER $100,000        2.7            12.5          23.3                    4.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-19,686            $1                   1.78
  $     1  -  5000                  $2,584           $27                   0.24
  $  5001 -  10000                  $7,504          $299                   0.82
  $ 10001 -  15000                 $12,534          $656                   1.54
  $ 15001 -  20000                 $17,598        $1,024                   2.13
  $ 20001 -  25000                 $22,599        $1,629                   2.29
  $ 25001 -  30000                 $27,792        $2,216                   2.57
  $ 30001 -  35000                 $32,463        $2,615                   3.03
  $ 35001 -  40000                 $37,499        $3,047                   3.62
  $ 40001 -  45000                 $42,468        $3,582                   3.74
  $ 45001 -  50000                 $47,367        $4,057                   4.15
  $ 50001 -  75000                 $60,866        $6,301                   4.06
  $ 75001 - 100000                 $84,214       $10,771                   4.18
  OVER $100,000                   $149,420       $28,787                   4.06

                    ______________________________________________________________
  TOTAL                            $32,766        $3,399                   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      PIUTE
                        _________________________________________________
  UNDER $1              14       $-101,188          $-61      0.06           32
  $     1  -  5000      70        $189,481          $332      0.18           84
  $  5001 -  10000      65        $476,273        $7,838      1.65          111
  $ 10001 -  15000      56        $695,948       $16,263      2.34          136
  $ 15001 -  20000      58      $1,023,775       $45,842      4.48          152
  $ 20001 -  25000      42        $925,637       $54,552      5.89          114
  $ 25001 -  30000      30        $810,035       $51,829      6.40          100
  $ 30001 -  35000      35      $1,146,872       $87,987      7.67          107
  $ 35001 -  40000      15        $575,634       $44,653      7.76           57
  $ 40001 -  45000      19        $806,054       $63,477      7.88           69
  $ 45001 - 100000      29      $1,771,105      $215,105     12.15          105

                    ______________________________________________________________
  TOTAL                433      $8,319,626      $587,817      7.07         1067
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             3.2            -1.2          -0.0                    3.0
  $     1  -  5000    16.2             2.3           0.1                    7.9
  $  5001 -  10000    15.0             5.7           1.3                   10.4
  $ 10001 -  15000    12.9             8.4           2.8                   12.7
  $ 15001 -  20000    13.4            12.3           7.8                   14.2
  $ 20001 -  25000     9.7            11.1           9.3                   10.7
  $ 25001 -  30000     6.9             9.7           8.8                    9.4
  $ 30001 -  35000     8.1            13.8          15.0                   10.0
  $ 35001 -  40000     3.5             6.9           7.6                    5.3
  $ 40001 -  45000     4.4             9.7          10.8                    6.5
  $ 45001 - 100000     6.7            21.3          36.6                    9.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-7,228           $-4                   2.29
  $     1  -  5000                  $2,707            $5                   1.20
  $  5001 -  10000                  $7,327          $121                   1.71
  $ 10001 -  15000                 $12,428          $290                   2.43
  $ 15001 -  20000                 $17,651          $790                   2.62
  $ 20001 -  25000                 $22,039        $1,299                   2.71
  $ 25001 -  30000                 $27,001        $1,728                   3.33
  $ 30001 -  35000                 $32,768        $2,514                   3.06
  $ 35001 -  40000                 $38,376        $2,977                   3.80
  $ 40001 -  45000                 $42,424        $3,341                   3.63
  $ 45001 - 100000                 $61,073        $7,417                   3.62

                    ______________________________________________________________
  TOTAL                            $19,214        $1,358                   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      RICH
                        _________________________________________________
  UNDER $1              24     $-1,015,793             .       .             68
  $     1  -  5000     160        $358,183        $4,120      1.15           79
  $  5001 -  10000      71        $509,012       $10,059      1.98          101
  $ 10001 -  15000      47        $592,787       $14,880      2.51          117
  $ 15001 -  20000      50        $870,790       $31,750      3.65          156
  $ 20001 -  25000      55      $1,244,050       $69,547      5.59          167
  $ 25001 -  30000      48      $1,331,870       $83,393      6.26          169
  $ 30001 -  35000      27        $878,146       $58,513      6.66          108
  $ 35001 -  40000      34      $1,261,107      $103,202      8.18          119
  $ 40001 -  45000      29      $1,233,308      $103,496      8.39          121
  $ 45001 -  50000      33      $1,561,178      $139,736      8.95          132
  $ 50001 -  75000      66      $3,903,519      $431,010     11.04          251
  $ 75001 - 250000      10        $898,894      $138,361     15.39           31

                    ______________________________________________________________
  TOTAL                654     $13,627,051    $1,188,067      8.72         1619
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             3.7            -7.5            .                     4.2
  $     1  -  5000    24.5             2.6           0.3                    4.9
  $  5001 -  10000    10.9             3.7           0.8                    6.2
  $ 10001 -  15000     7.2             4.4           1.3                    7.2
  $ 15001 -  20000     7.6             6.4           2.7                    9.6
  $ 20001 -  25000     8.4             9.1           5.9                   10.3
  $ 25001 -  30000     7.3             9.8           7.0                   10.4
  $ 30001 -  35000     4.1             6.4           4.9                    6.7
  $ 35001 -  40000     5.2             9.3           8.7                    7.4
  $ 40001 -  45000     4.4             9.1           8.7                    7.5
  $ 45001 -  50000     5.0            11.5          11.8                    8.2
  $ 50001 -  75000    10.1            28.6          36.3                   15.5
  $ 75001 - 250000     1.5             6.6          11.6                    1.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-42,325             .                   2.83
  $     1  -  5000                  $2,239           $26                   0.49
  $  5001 -  10000                  $7,169          $142                   1.42
  $ 10001 -  15000                 $12,612          $317                   2.49
  $ 15001 -  20000                 $17,416          $635                   3.12
  $ 20001 -  25000                 $22,619        $1,264                   3.04
  $ 25001 -  30000                 $27,747        $1,737                   3.52
  $ 30001 -  35000                 $32,524        $2,167                   4.00
  $ 35001 -  40000                 $37,091        $3,035                   3.50
  $ 40001 -  45000                 $42,528        $3,569                   4.17
  $ 45001 -  50000                 $47,308        $4,234                   4.00
  $ 50001 -  75000                 $59,144        $6,530                   3.80
  $ 75001 - 250000                 $89,889       $13,836                   3.10

                    ______________________________________________________________
  TOTAL                            $20,836        $1,817                   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      SALT LAKE
                        _________________________________________________
  UNDER $1            1508    $-54,109,702      $253,385     -0.47         2355
  $     1  -  5000   44781    $115,733,439    $1,292,112      1.12        22254
  $  5001 -  10000   39440    $294,437,604    $9,189,829      3.12        43788
  $ 10001 -  15000   37321    $466,085,035   $23,493,555      5.04        58190
  $ 15001 -  20000   33400    $580,971,794   $37,842,676      6.51        61254
  $ 20001 -  25000   26498    $593,808,864   $44,777,453      7.54        55088
  $ 25001 -  30000   22248    $610,626,983   $49,869,974      8.17        51943
  $ 30001 -  35000   19475    $631,734,025   $54,678,556      8.66        50820
  $ 35001 -  40000   17512    $656,180,313   $60,125,962      9.16        49835
  $ 40001 -  45000   15491    $657,219,577   $61,962,914      9.43        47621
  $ 45001 -  50000   13129    $623,029,158   $60,204,599      9.66        42801
  $ 50001 -  75000   39911  $2,413,080,459  $262,637,008     10.88       136533
  $ 75001 - 100000   13324  $1,135,873,351  $156,474,502     13.78        46213
  $100001 - 250000   10422  $1,472,613,633  $271,889,714     18.46        36882
  OVER $250,000       1962  $1,146,239,394  $331,241,786     28.90         6646

                    ______________________________________________________________
  TOTAL             336422 $11,343,523,927$1,425,934,025     12.57       712223
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.5           0.0                    0.3
  $     1  -  5000    13.3             1.0           0.1                    3.1
  $  5001 -  10000    11.7             2.6           0.6                    6.1
  $ 10001 -  15000    11.1             4.1           1.6                    8.2
  $ 15001 -  20000     9.9             5.1           2.7                    8.6
  $ 20001 -  25000     7.9             5.2           3.1                    7.7
  $ 25001 -  30000     6.6             5.4           3.5                    7.3
  $ 30001 -  35000     5.8             5.6           3.8                    7.1
  $ 35001 -  40000     5.2             5.8           4.2                    7.0
  $ 40001 -  45000     4.6             5.8           4.3                    6.7
  $ 45001 -  50000     3.9             5.5           4.2                    6.0
  $ 50001 -  75000    11.9            21.3          18.4                   19.2
  $ 75001 - 100000     4.0            10.0          11.0                    6.5
  $100001 - 250000     3.1            13.0          19.1                    5.2
  OVER $250,000        0.6            10.1          23.2                    0.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-35,882          $168                   1.56
  $     1  -  5000                  $2,584           $29                   0.50
  $  5001 -  10000                  $7,465          $233                   1.11
  $ 10001 -  15000                 $12,489          $629                   1.56
  $ 15001 -  20000                 $17,394        $1,133                   1.83
  $ 20001 -  25000                 $22,410        $1,690                   2.08
  $ 25001 -  30000                 $27,446        $2,242                   2.33
  $ 30001 -  35000                 $32,438        $2,808                   2.61
  $ 35001 -  40000                 $37,470        $3,433                   2.85
  $ 40001 -  45000                 $42,426        $4,000                   3.07
  $ 45001 -  50000                 $47,454        $4,586                   3.26
  $ 50001 -  75000                 $60,462        $6,581                   3.42
  $ 75001 - 100000                 $85,250       $11,744                   3.47
  $100001 - 250000                $141,299       $26,088                   3.54
  OVER $250,000                   $584,220      $168,829                   3.39

                    ______________________________________________________________
  TOTAL                            $33,718        $4,239                   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      SAN JUAN
                        _________________________________________________
  UNDER $1              32     $-1,637,174             .       .             74
  $     1  -  5000     698      $1,689,598       $10,992      0.65          556
  $  5001 -  10000     438      $3,266,558       $54,189      1.66          742
  $ 10001 -  15000     353      $4,340,256      $120,657      2.78          851
  $ 15001 -  20000     283      $4,920,559      $199,573      4.06          808
  $ 20001 -  25000     237      $5,312,562      $265,233      4.99          833
  $ 25001 -  30000     195      $5,326,449      $351,186      6.59          670
  $ 30001 -  35000     174      $5,647,411      $425,813      7.54          625
  $ 35001 -  40000     124      $4,653,110      $362,142      7.78          504
  $ 40001 -  45000     110      $4,694,437      $409,001      8.71          448
  $ 45001 -  50000     106      $5,040,107      $434,868      8.63          471
  $ 50001 -  75000     284     $16,914,162    $1,724,953     10.20         1230
  $ 75001 - 100000      54      $4,560,756      $673,756     14.77          190
  OVER $100,000         32      $6,313,477    $1,536,528     24.34          112

                    ______________________________________________________________
  TOTAL               3120     $71,042,268    $6,568,891      9.25         8114
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.0            -2.3            .                     0.9
  $     1  -  5000    22.4             2.4           0.2                    6.9
  $  5001 -  10000    14.0             4.6           0.8                    9.1
  $ 10001 -  15000    11.3             6.1           1.8                   10.5
  $ 15001 -  20000     9.1             6.9           3.0                   10.0
  $ 20001 -  25000     7.6             7.5           4.0                   10.3
  $ 25001 -  30000     6.3             7.5           5.3                    8.3
  $ 30001 -  35000     5.6             7.9           6.5                    7.7
  $ 35001 -  40000     4.0             6.5           5.5                    6.2
  $ 40001 -  45000     3.5             6.6           6.2                    5.5
  $ 45001 -  50000     3.4             7.1           6.6                    5.8
  $ 50001 -  75000     9.1            23.8          26.3                   15.2
  $ 75001 - 100000     1.7             6.4          10.3                    2.3
  OVER $100,000        1.0             8.9          23.4                    1.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-51,162             .                   2.31
  $     1  -  5000                  $2,421           $16                   0.80
  $  5001 -  10000                  $7,458          $124                   1.69
  $ 10001 -  15000                 $12,295          $342                   2.41
  $ 15001 -  20000                 $17,387          $705                   2.86
  $ 20001 -  25000                 $22,416        $1,119                   3.51
  $ 25001 -  30000                 $27,315        $1,801                   3.44
  $ 30001 -  35000                 $32,456        $2,447                   3.59
  $ 35001 -  40000                 $37,525        $2,921                   4.06
  $ 40001 -  45000                 $42,677        $3,718                   4.07
  $ 45001 -  50000                 $47,548        $4,103                   4.44
  $ 50001 -  75000                 $59,557        $6,074                   4.33
  $ 75001 - 100000                 $84,458       $12,477                   3.52
  OVER $100,000                   $197,296       $48,017                   3.50

                    ______________________________________________________________
  TOTAL                            $22,770        $2,105                   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      SANPETE
                        _________________________________________________
  UNDER $1              81     $-2,040,894          $228     -0.01          158
  $     1  -  5000    1131      $2,928,001       $23,124      0.79          655
  $  5001 -  10000     821      $6,037,025      $126,046      2.09         1275
  $ 10001 -  15000     788      $9,837,610      $271,348      2.76         1943
  $ 15001 -  20000     578     $10,096,799      $465,881      4.61         1555
  $ 20001 -  25000     490     $11,025,107      $585,939      5.31         1585
  $ 25001 -  30000     435     $11,905,387      $750,559      6.30         1528
  $ 30001 -  35000     346     $11,183,497      $783,133      7.00         1310
  $ 35001 -  40000     276     $10,315,461      $768,287      7.45         1137
  $ 40001 -  45000     257     $10,929,326      $893,557      8.18         1079
  $ 45001 -  50000     224     $10,650,289      $952,182      8.94          937
  $ 50001 -  75000     504     $29,815,883    $2,978,811      9.99         2206
  $ 75001 - 100000      99      $8,353,778    $1,137,825     13.62          413
  $100001 - 250000      64      $8,609,980    $1,561,012     18.13          268
  OVER $250,000         13     $14,007,842    $4,325,699     30.88           62

                    ______________________________________________________________
  TOTAL               6107    $153,655,091   $15,623,631     10.17        16111
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.3            -1.3           0.0                    1.0
  $     1  -  5000    18.5             1.9           0.1                    4.1
  $  5001 -  10000    13.4             3.9           0.8                    7.9
  $ 10001 -  15000    12.9             6.4           1.7                   12.1
  $ 15001 -  20000     9.5             6.6           3.0                    9.7
  $ 20001 -  25000     8.0             7.2           3.8                    9.8
  $ 25001 -  30000     7.1             7.7           4.8                    9.5
  $ 30001 -  35000     5.7             7.3           5.0                    8.1
  $ 35001 -  40000     4.5             6.7           4.9                    7.1
  $ 40001 -  45000     4.2             7.1           5.7                    6.7
  $ 45001 -  50000     3.7             6.9           6.1                    5.8
  $ 50001 -  75000     8.3            19.4          19.1                   13.7
  $ 75001 - 100000     1.6             5.4           7.3                    2.6
  $100001 - 250000     1.0             5.6          10.0                    1.7
  OVER $250,000        0.2             9.1          27.7                    0.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-25,196            $3                   1.95
  $     1  -  5000                  $2,589           $20                   0.58
  $  5001 -  10000                  $7,353          $154                   1.55
  $ 10001 -  15000                 $12,484          $344                   2.47
  $ 15001 -  20000                 $17,469          $806                   2.69
  $ 20001 -  25000                 $22,500        $1,196                   3.23
  $ 25001 -  30000                 $27,369        $1,725                   3.51
  $ 30001 -  35000                 $32,322        $2,263                   3.79
  $ 35001 -  40000                 $37,375        $2,784                   4.12
  $ 40001 -  45000                 $42,527        $3,477                   4.20
  $ 45001 -  50000                 $47,546        $4,251                   4.18
  $ 50001 -  75000                 $59,158        $5,910                   4.38
  $ 75001 - 100000                 $84,382       $11,493                   4.17
  $100001 - 250000                $134,531       $24,391                   4.19
  OVER $250,000                   $1077526      $332,746                   4.77

                    ______________________________________________________________
  TOTAL                            $25,160        $2,558                   2.64
                    ______________________________________________________________
          # 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      SEVIER
                        _________________________________________________
  UNDER $1              62     $-1,792,942        $1,830     -0.10          130
  $     1  -  5000    1047      $2,702,112       $25,557      0.95          596
  $  5001 -  10000     795      $5,873,784      $143,292      2.44         1082
  $ 10001 -  15000     681      $8,498,821      $260,885      3.07         1487
  $ 15001 -  20000     497      $8,617,361      $367,629      4.27         1295
  $ 20001 -  25000     445      $9,972,874      $573,345      5.75         1292
  $ 25001 -  30000     416     $11,460,952      $773,053      6.75         1344
  $ 30001 -  35000     301      $9,784,298      $716,603      7.32         1056
  $ 35001 -  40000     293     $11,003,879      $913,301      8.30         1076
  $ 40001 -  45000     293     $12,468,243    $1,091,685      8.76         1105
  $ 45001 -  50000     217     $10,299,860      $955,218      9.27          835
  $ 50001 -  75000     607     $35,979,966    $3,742,090     10.40         2442
  $ 75001 - 100000     119     $10,003,108    $1,347,915     13.47          471
  OVER $100,000         84     $13,695,063    $2,922,732     21.34          345

                    ______________________________________________________________
  TOTAL               5857    $148,567,379   $13,835,135      9.31        14556
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.1            -1.2           0.0                    0.9
  $     1  -  5000    17.9             1.8           0.2                    4.1
  $  5001 -  10000    13.6             4.0           1.0                    7.4
  $ 10001 -  15000    11.6             5.7           1.9                   10.2
  $ 15001 -  20000     8.5             5.8           2.7                    8.9
  $ 20001 -  25000     7.6             6.7           4.1                    8.9
  $ 25001 -  30000     7.1             7.7           5.6                    9.2
  $ 30001 -  35000     5.1             6.6           5.2                    7.3
  $ 35001 -  40000     5.0             7.4           6.6                    7.4
  $ 40001 -  45000     5.0             8.4           7.9                    7.6
  $ 45001 -  50000     3.7             6.9           6.9                    5.7
  $ 50001 -  75000    10.4            24.2          27.0                   16.8
  $ 75001 - 100000     2.0             6.7           9.7                    3.2
  OVER $100,000        1.4             9.2          21.1                    2.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-28,918           $30                   2.10
  $     1  -  5000                  $2,581           $24                   0.57
  $  5001 -  10000                  $7,388          $180                   1.36
  $ 10001 -  15000                 $12,480          $383                   2.18
  $ 15001 -  20000                 $17,339          $740                   2.61
  $ 20001 -  25000                 $22,411        $1,288                   2.90
  $ 25001 -  30000                 $27,550        $1,858                   3.23
  $ 30001 -  35000                 $32,506        $2,381                   3.51
  $ 35001 -  40000                 $37,556        $3,117                   3.67
  $ 40001 -  45000                 $42,554        $3,726                   3.77
  $ 45001 -  50000                 $47,465        $4,402                   3.85
  $ 50001 -  75000                 $59,275        $6,165                   4.02
  $ 75001 - 100000                 $84,060       $11,327                   3.96
  OVER $100,000                   $163,036       $34,794                   4.11

                    ______________________________________________________________
  TOTAL                            $25,366        $2,362                   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      SUMMIT
                        _________________________________________________
  UNDER $1             106     $-4,276,752        $1,235     -0.03          191
  $     1  -  5000    1310      $3,305,809       $70,097      2.12          484
  $  5001 -  10000    1147      $8,544,738      $307,712      3.60         1128
  $ 10001 -  15000     965     $12,026,641      $693,277      5.76         1332
  $ 15001 -  20000     852     $14,853,606    $1,072,330      7.22         1372
  $ 20001 -  25000     645     $14,455,742    $1,141,032      7.89         1230
  $ 25001 -  30000     529     $14,516,556    $1,214,634      8.37         1107
  $ 30001 -  35000     472     $15,348,856    $1,333,175      8.69         1172
  $ 35001 -  40000     436     $16,354,765    $1,525,090      9.33         1130
  $ 40001 -  45000     365     $15,521,367    $1,481,010      9.54         1019
  $ 45001 -  50000     351     $16,698,732    $1,645,621      9.85         1043
  $ 50001 -  75000    1273     $77,628,304    $8,583,684     11.06         3897
  $ 75001 - 100000     650     $56,077,939    $7,525,555     13.42         2040
  $100001 - 250000     986    $144,827,735   $26,355,113     18.20         3089
  OVER $250,000        174    $118,143,282   $36,084,508     30.54          502

                    ______________________________________________________________
  TOTAL              10261    $524,027,320   $89,034,073     16.99        20736
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.0            -0.8           0.0                    0.9
  $     1  -  5000    12.8             0.6           0.1                    2.3
  $  5001 -  10000    11.2             1.6           0.3                    5.4
  $ 10001 -  15000     9.4             2.3           0.8                    6.4
  $ 15001 -  20000     8.3             2.8           1.2                    6.6
  $ 20001 -  25000     6.3             2.8           1.3                    5.9
  $ 25001 -  30000     5.2             2.8           1.4                    5.3
  $ 30001 -  35000     4.6             2.9           1.5                    5.7
  $ 35001 -  40000     4.2             3.1           1.7                    5.4
  $ 40001 -  45000     3.6             3.0           1.7                    4.9
  $ 45001 -  50000     3.4             3.2           1.8                    5.0
  $ 50001 -  75000    12.4            14.8           9.6                   18.8
  $ 75001 - 100000     6.3            10.7           8.5                    9.8
  $100001 - 250000     9.6            27.6          29.6                   14.9
  OVER $250,000        1.7            22.5          40.5                    2.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-40,347           $12                   1.80
  $     1  -  5000                  $2,524           $54                   0.37
  $  5001 -  10000                  $7,450          $268                   0.98
  $ 10001 -  15000                 $12,463          $718                   1.38
  $ 15001 -  20000                 $17,434        $1,259                   1.61
  $ 20001 -  25000                 $22,412        $1,769                   1.91
  $ 25001 -  30000                 $27,442        $2,296                   2.09
  $ 30001 -  35000                 $32,519        $2,825                   2.48
  $ 35001 -  40000                 $37,511        $3,498                   2.59
  $ 40001 -  45000                 $42,524        $4,058                   2.79
  $ 45001 -  50000                 $47,575        $4,688                   2.97
  $ 50001 -  75000                 $60,981        $6,743                   3.06
  $ 75001 - 100000                 $86,274       $11,578                   3.14
  $100001 - 250000                $146,884       $26,729                   3.13
  OVER $250,000                   $678,984      $207,382                   2.89

                    ______________________________________________________________
  TOTAL                            $51,070        $8,677                   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      TOOELE
                        _________________________________________________
  UNDER $1              38     $-1,150,059          $230     -0.02           84
  $     1  -  5000    1535      $3,918,745       $35,291      0.90          811
  $  5001 -  10000    1273      $9,562,601      $264,666      2.77         1519
  $ 10001 -  15000    1334     $16,764,252      $735,957      4.39         2326
  $ 15001 -  20000    1185     $20,727,816    $1,232,433      5.95         2429
  $ 20001 -  25000     970     $21,689,777    $1,540,415      7.10         2211
  $ 25001 -  30000     891     $24,499,373    $1,980,713      8.08         2175
  $ 30001 -  35000     816     $26,494,759    $2,335,027      8.81         2209
  $ 35001 -  40000     775     $29,007,290    $2,747,327      9.47         2285
  $ 40001 -  45000     688     $29,197,625    $2,839,289      9.72         2186
  $ 45001 -  50000     613     $29,071,603    $2,890,689      9.94         2080
  $ 50001 -  75000    1832    $110,739,902   $12,512,679     11.30         6514
  $ 75001 - 100000     469     $39,597,324    $5,869,001     14.82         1597
  $100001 - 250000     155     $19,614,796    $3,540,381     18.05          542
  OVER $250,000         11      $4,299,507    $1,222,541     28.43           28

                    ______________________________________________________________
  TOTAL              12585    $384,035,311   $39,746,639     10.35        28996
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.3            -0.3           0.0                    0.3
  $     1  -  5000    12.2             1.0           0.1                    2.8
  $  5001 -  10000    10.1             2.5           0.7                    5.2
  $ 10001 -  15000    10.6             4.4           1.9                    8.0
  $ 15001 -  20000     9.4             5.4           3.1                    8.4
  $ 20001 -  25000     7.7             5.6           3.9                    7.6
  $ 25001 -  30000     7.1             6.4           5.0                    7.5
  $ 30001 -  35000     6.5             6.9           5.9                    7.6
  $ 35001 -  40000     6.2             7.6           6.9                    7.9
  $ 40001 -  45000     5.5             7.6           7.1                    7.5
  $ 45001 -  50000     4.9             7.6           7.3                    7.2
  $ 50001 -  75000    14.6            28.8          31.5                   22.5
  $ 75001 - 100000     3.7            10.3          14.8                    5.5
  $100001 - 250000     1.2             5.1           8.9                    1.9
  OVER $250,000        0.1             1.1           3.1                    0.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-30,265            $6                   2.21
  $     1  -  5000                  $2,553           $23                   0.53
  $  5001 -  10000                  $7,512          $208                   1.19
  $ 10001 -  15000                 $12,567          $552                   1.74
  $ 15001 -  20000                 $17,492        $1,040                   2.05
  $ 20001 -  25000                 $22,361        $1,588                   2.28
  $ 25001 -  30000                 $27,496        $2,223                   2.44
  $ 30001 -  35000                 $32,469        $2,862                   2.71
  $ 35001 -  40000                 $37,429        $3,545                   2.95
  $ 40001 -  45000                 $42,438        $4,127                   3.18
  $ 45001 -  50000                 $47,425        $4,716                   3.39
  $ 50001 -  75000                 $60,448        $6,830                   3.56
  $ 75001 - 100000                 $84,429       $12,514                   3.41
  $100001 - 250000                $126,547       $22,841                   3.50
  OVER $250,000                   $390,864      $111,140                   2.55

                    ______________________________________________________________
  TOTAL                            $30,515        $3,158                   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      UINTAH
                        _________________________________________________
  UNDER $1              87     $-2,253,003          $-28      0.00          198
  $     1  -  5000    1491      $3,807,547       $50,874      1.34         1034
  $  5001 -  10000    1031      $7,642,406      $144,282      1.89         1719
  $ 10001 -  15000     845     $10,551,311      $358,041      3.39         1799
  $ 15001 -  20000     706     $12,328,231      $564,865      4.58         1871
  $ 20001 -  25000     622     $13,926,804      $844,684      6.07         1759
  $ 25001 -  30000     592     $16,201,660    $1,134,723      7.00         1895
  $ 30001 -  35000     490     $15,894,429    $1,244,530      7.83         1695
  $ 35001 -  40000     424     $15,856,474    $1,345,781      8.49         1507
  $ 40001 -  45000     374     $15,875,647    $1,407,187      8.86         1447
  $ 45001 -  50000     294     $13,925,216    $1,311,060      9.42         1138
  $ 50001 -  75000     760     $45,924,347    $5,197,830     11.32         2736
  $ 75001 - 100000     175     $14,728,427    $2,122,739     14.41          644
  $100001 - 250000      78     $10,682,146    $2,080,358     19.48          277
  OVER $250,000         14      $5,595,128    $1,604,471     28.68           58

                    ______________________________________________________________
  TOTAL               7983    $200,686,770   $19,411,397      9.67        19777
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.1            -1.1          -0.0                    1.0
  $     1  -  5000    18.7             1.9           0.3                    5.2
  $  5001 -  10000    12.9             3.8           0.7                    8.7
  $ 10001 -  15000    10.6             5.3           1.8                    9.1
  $ 15001 -  20000     8.8             6.1           2.9                    9.5
  $ 20001 -  25000     7.8             6.9           4.4                    8.9
  $ 25001 -  30000     7.4             8.1           5.8                    9.6
  $ 30001 -  35000     6.1             7.9           6.4                    8.6
  $ 35001 -  40000     5.3             7.9           6.9                    7.6
  $ 40001 -  45000     4.7             7.9           7.2                    7.3
  $ 45001 -  50000     3.7             6.9           6.8                    5.8
  $ 50001 -  75000     9.5            22.9          26.8                   13.8
  $ 75001 - 100000     2.2             7.3          10.9                    3.3
  $100001 - 250000     1.0             5.3          10.7                    1.4
  OVER $250,000        0.2             2.8           8.3                    0.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-25,897           $-0                   2.28
  $     1  -  5000                  $2,554           $34                   0.69
  $  5001 -  10000                  $7,413          $140                   1.67
  $ 10001 -  15000                 $12,487          $424                   2.13
  $ 15001 -  20000                 $17,462          $800                   2.65
  $ 20001 -  25000                 $22,390        $1,358                   2.83
  $ 25001 -  30000                 $27,368        $1,917                   3.20
  $ 30001 -  35000                 $32,438        $2,540                   3.46
  $ 35001 -  40000                 $37,397        $3,174                   3.55
  $ 40001 -  45000                 $42,448        $3,763                   3.87
  $ 45001 -  50000                 $47,365        $4,459                   3.87
  $ 50001 -  75000                 $60,427        $6,839                   3.60
  $ 75001 - 100000                 $84,162       $12,130                   3.68
  $100001 - 250000                $136,951       $26,671                   3.55
  OVER $250,000                   $399,652      $114,605                   4.14

                    ______________________________________________________________
  TOTAL                            $25,139        $2,432                   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      UTAH
                        _________________________________________________
  UNDER $1             607    $-19,369,746       $34,769     -0.18         1247
  $     1  -  5000   18192     $47,889,439      $455,409      0.95         8355
  $  5001 -  10000   14615    $107,678,849    $3,228,827      3.00        16960
  $ 10001 -  15000   11478    $142,850,660    $5,960,772      4.17        20937
  $ 15001 -  20000    9296    $161,789,291    $8,860,745      5.48        20486
  $ 20001 -  25000    7605    $170,431,301   $10,786,265      6.33        19915
  $ 25001 -  30000    6265    $172,025,477   $12,140,456      7.06        18231
  $ 30001 -  35000    5813    $188,790,713   $14,063,594      7.45        19242
  $ 35001 -  40000    5332    $199,728,487   $15,736,834      7.88        19202
  $ 40001 -  45000    4811    $204,236,433   $17,083,515      8.36        17938
  $ 45001 -  50000    4069    $193,010,688   $16,512,947      8.56        15973
  $ 50001 -  75000   11922    $715,857,102   $68,754,531      9.60        49289
  $ 75001 - 100000    3585    $304,551,909   $37,570,593     12.34        15213
  $100001 - 250000    2635    $370,486,123   $63,078,356     17.03        11875
  OVER $250,000        472    $257,802,061   $73,165,193     28.38         2019

                    ______________________________________________________________
  TOTAL             106697  $3,217,758,787  $347,432,806     10.80       256882
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.6           0.0                    0.5
  $     1  -  5000    17.1             1.5           0.1                    3.3
  $  5001 -  10000    13.7             3.3           0.9                    6.6
  $ 10001 -  15000    10.8             4.4           1.7                    8.2
  $ 15001 -  20000     8.7             5.0           2.6                    8.0
  $ 20001 -  25000     7.1             5.3           3.1                    7.8
  $ 25001 -  30000     5.9             5.3           3.5                    7.1
  $ 30001 -  35000     5.4             5.9           4.0                    7.5
  $ 35001 -  40000     5.0             6.2           4.5                    7.5
  $ 40001 -  45000     4.5             6.3           4.9                    7.0
  $ 45001 -  50000     3.8             6.0           4.8                    6.2
  $ 50001 -  75000    11.2            22.2          19.8                   19.2
  $ 75001 - 100000     3.4             9.5          10.8                    5.9
  $100001 - 250000     2.5            11.5          18.2                    4.6
  OVER $250,000        0.4             8.0          21.1                    0.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-31,911           $57                   2.05
  $     1  -  5000                  $2,632           $25                   0.46
  $  5001 -  10000                  $7,368          $221                   1.16
  $ 10001 -  15000                 $12,446          $519                   1.82
  $ 15001 -  20000                 $17,404          $953                   2.20
  $ 20001 -  25000                 $22,410        $1,418                   2.62
  $ 25001 -  30000                 $27,458        $1,938                   2.91
  $ 30001 -  35000                 $32,477        $2,419                   3.31
  $ 35001 -  40000                 $37,458        $2,951                   3.60
  $ 40001 -  45000                 $42,452        $3,551                   3.73
  $ 45001 -  50000                 $47,434        $4,058                   3.93
  $ 50001 -  75000                 $60,045        $5,767                   4.13
  $ 75001 - 100000                 $84,952       $10,480                   4.24
  $100001 - 250000                $140,602       $23,939                   4.51
  OVER $250,000                   $546,191      $155,011                   4.28

                    ______________________________________________________________
  TOTAL                            $30,158        $3,256                   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      WASATCH
                        _________________________________________________
  UNDER $1              23       $-722,844             .       .             52
  $     1  -  5000     753      $1,981,145       $20,304      1.02          241
  $  5001 -  10000     542      $3,976,170      $130,506      3.28          570
  $ 10001 -  15000     443      $5,599,674      $239,189      4.27          804
  $ 15001 -  20000     382      $6,694,067      $363,915      5.44          829
  $ 20001 -  25000     355      $7,953,950      $508,238      6.39          903
  $ 25001 -  30000     298      $8,186,124      $568,626      6.95          884
  $ 30001 -  35000     284      $9,213,709      $682,921      7.41          943
  $ 35001 -  40000     255      $9,555,522      $766,471      8.02          888
  $ 40001 -  45000     250     $10,600,155      $889,707      8.39          926
  $ 45001 -  50000     185      $8,780,717      $749,026      8.53          731
  $ 50001 -  75000     520     $31,052,100    $3,170,244     10.21         1925
  $ 75001 - 100000     122     $10,411,238    $1,305,624     12.54          489
  $100001 - 250000     103     $14,372,441    $2,544,818     17.71          385
  OVER $250,000         16      $7,355,440    $2,035,497     27.67           74

                    ______________________________________________________________
  TOTAL               4531    $135,009,608   $13,975,086     10.35        10644
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.5            .                     0.5
  $     1  -  5000    16.6             1.5           0.1                    2.3
  $  5001 -  10000    12.0             2.9           0.9                    5.4
  $ 10001 -  15000     9.8             4.1           1.7                    7.6
  $ 15001 -  20000     8.4             5.0           2.6                    7.8
  $ 20001 -  25000     7.8             5.9           3.6                    8.5
  $ 25001 -  30000     6.6             6.1           4.1                    8.3
  $ 30001 -  35000     6.3             6.8           4.9                    8.9
  $ 35001 -  40000     5.6             7.1           5.5                    8.3
  $ 40001 -  45000     5.5             7.9           6.4                    8.7
  $ 45001 -  50000     4.1             6.5           5.4                    6.9
  $ 50001 -  75000    11.5            23.0          22.7                   18.1
  $ 75001 - 100000     2.7             7.7           9.3                    4.6
  $100001 - 250000     2.3            10.6          18.2                    3.6
  OVER $250,000        0.4             5.4          14.6                    0.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-31,428             .                   2.26
  $     1  -  5000                  $2,631           $27                   0.32
  $  5001 -  10000                  $7,336          $241                   1.05
  $ 10001 -  15000                 $12,640          $540                   1.81
  $ 15001 -  20000                 $17,524          $953                   2.17
  $ 20001 -  25000                 $22,405        $1,432                   2.54
  $ 25001 -  30000                 $27,470        $1,908                   2.97
  $ 30001 -  35000                 $32,443        $2,405                   3.32
  $ 35001 -  40000                 $37,473        $3,006                   3.48
  $ 40001 -  45000                 $42,401        $3,559                   3.70
  $ 45001 -  50000                 $47,463        $4,049                   3.95
  $ 50001 -  75000                 $59,716        $6,097                   3.70
  $ 75001 - 100000                 $85,338       $10,702                   4.01
  $100001 - 250000                $139,538       $24,707                   3.74
  OVER $250,000                   $459,715      $127,219                   4.63

                    ______________________________________________________________
  TOTAL                            $29,797        $3,084                   2.35
                    ______________________________________________________________
          # 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
                        _________________________________________________
  UNDER $1             251     $-8,638,341      $155,991     -1.81          524
  $     1  -  5000    3631      $9,659,760       $86,299      0.89         2319
  $  5001 -  10000    3336     $24,759,951      $677,318      2.74         4404
  $ 10001 -  15000    2917     $36,251,086    $1,358,817      3.75         5501
  $ 15001 -  20000    2596     $45,179,779    $2,254,337      4.99         5884
  $ 20001 -  25000    2191     $48,978,356    $2,952,560      6.03         5620
  $ 25001 -  30000    1775     $48,718,631    $3,393,995      6.97         4946
  $ 30001 -  35000    1487     $48,311,657    $3,633,455      7.52         4587
  $ 35001 -  40000    1317     $49,254,845    $4,043,205      8.21         4325
  $ 40001 -  45000    1074     $45,582,567    $3,954,093      8.67         3630
  $ 45001 -  50000     864     $40,945,591    $3,606,071      8.81         3146
  $ 50001 -  75000    2401    $144,342,338   $14,829,935     10.27         8561
  $ 75001 - 100000     679     $57,761,879    $7,741,089     13.40         2406
  $100001 - 250000     530     $74,527,007   $13,509,321     18.13         1903
  OVER $250,000         99     $48,965,332   $14,059,343     28.71          374

                    ______________________________________________________________
  TOTAL              25148    $714,600,438   $76,255,829     10.67        58130
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.0            -1.2           0.2                    0.9
  $     1  -  5000    14.4             1.4           0.1                    4.0
  $  5001 -  10000    13.3             3.5           0.9                    7.6
  $ 10001 -  15000    11.6             5.1           1.8                    9.5
  $ 15001 -  20000    10.3             6.3           3.0                   10.1
  $ 20001 -  25000     8.7             6.9           3.9                    9.7
  $ 25001 -  30000     7.1             6.8           4.5                    8.5
  $ 30001 -  35000     5.9             6.8           4.8                    7.9
  $ 35001 -  40000     5.2             6.9           5.3                    7.4
  $ 40001 -  45000     4.3             6.4           5.2                    6.2
  $ 45001 -  50000     3.4             5.7           4.7                    5.4
  $ 50001 -  75000     9.5            20.2          19.4                   14.7
  $ 75001 - 100000     2.7             8.1          10.2                    4.1
  $100001 - 250000     2.1            10.4          17.7                    3.3
  OVER $250,000        0.4             6.9          18.4                    0.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-34,416          $621                   2.09
  $     1  -  5000                  $2,660           $24                   0.64
  $  5001 -  10000                  $7,422          $203                   1.32
  $ 10001 -  15000                 $12,428          $466                   1.89
  $ 15001 -  20000                 $17,404          $868                   2.27
  $ 20001 -  25000                 $22,354        $1,348                   2.57
  $ 25001 -  30000                 $27,447        $1,912                   2.79
  $ 30001 -  35000                 $32,489        $2,443                   3.08
  $ 35001 -  40000                 $37,399        $3,070                   3.28
  $ 40001 -  45000                 $42,442        $3,682                   3.38
  $ 45001 -  50000                 $47,391        $4,174                   3.64
  $ 50001 -  75000                 $60,118        $6,177                   3.57
  $ 75001 - 100000                 $85,069       $11,401                   3.54
  $100001 - 250000                $140,617       $25,489                   3.59
  OVER $250,000                   $494,599      $142,014                   3.78

                    ______________________________________________________________
  TOTAL                            $28,416        $3,032                   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      WAYNE
                        _________________________________________________
  UNDER $1              13       $-185,378             .       .             31
  $     1  -  5000     147        $404,959        $1,624      0.40          105
  $  5001 -  10000     118        $864,315       $14,391      1.67          168
  $ 10001 -  15000     112      $1,404,988       $32,722      2.33          291
  $ 15001 -  20000      88      $1,531,690       $60,810      3.97          237
  $ 20001 -  25000      66      $1,477,737       $83,751      5.67          194
  $ 25001 -  30000      56      $1,534,881      $107,000      6.97          179
  $ 30001 -  35000      62      $2,014,678      $152,856      7.59          215
  $ 35001 -  40000      33      $1,229,606      $102,434      8.33          118
  $ 40001 -  45000      33      $1,409,698      $120,325      8.54          132
  $ 45001 -  50000      20        $952,570       $82,933      8.71           74
  $ 50001 - 250000      53      $3,661,679      $490,083     13.38          185

                    ______________________________________________________________
  TOTAL                801     $16,301,423    $1,248,929      7.66         1929
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.6            -1.1            .                     1.6
  $     1  -  5000    18.4             2.5           0.1                    5.4
  $  5001 -  10000    14.7             5.3           1.2                    8.7
  $ 10001 -  15000    14.0             8.6           2.6                   15.1
  $ 15001 -  20000    11.0             9.4           4.9                   12.3
  $ 20001 -  25000     8.2             9.1           6.7                   10.1
  $ 25001 -  30000     7.0             9.4           8.6                    9.3
  $ 30001 -  35000     7.7            12.4          12.2                   11.1
  $ 35001 -  40000     4.1             7.5           8.2                    6.1
  $ 40001 -  45000     4.1             8.6           9.6                    6.8
  $ 45001 -  50000     2.5             5.8           6.6                    3.8
  $ 50001 - 250000     6.6            22.5          39.2                    9.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-14,260             .                   2.38
  $     1  -  5000                  $2,755           $11                   0.71
  $  5001 -  10000                  $7,325          $122                   1.42
  $ 10001 -  15000                 $12,545          $292                   2.60
  $ 15001 -  20000                 $17,406          $691                   2.69
  $ 20001 -  25000                 $22,390        $1,269                   2.94
  $ 25001 -  30000                 $27,409        $1,911                   3.20
  $ 30001 -  35000                 $32,495        $2,465                   3.47
  $ 35001 -  40000                 $37,261        $3,104                   3.58
  $ 40001 -  45000                 $42,718        $3,646                   4.00
  $ 45001 -  50000                 $47,629        $4,147                   3.70
  $ 50001 - 250000                 $69,088        $9,247                   3.49

                    ______________________________________________________________
  TOTAL                            $20,351        $1,559                   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      WEBER
                        _________________________________________________
  UNDER $1             310     $-4,319,649        $7,488     -0.17          513
  $     1  -  5000   10042     $25,590,842      $226,616      0.89         5834
  $  5001 -  10000    8509     $63,623,781    $1,838,071      2.89        10037
  $ 10001 -  15000    7863     $98,146,228    $4,546,076      4.63        12871
  $ 15001 -  20000    7072    $123,483,378    $7,571,064      6.13        13741
  $ 20001 -  25000    6205    $139,393,079   $10,150,168      7.28        13562
  $ 25001 -  30000    5223    $143,324,937   $11,587,929      8.09        12414
  $ 30001 -  35000    4678    $151,793,876   $13,248,075      8.73        12213
  $ 35001 -  40000    4112    $153,917,188   $14,239,551      9.25        11861
  $ 40001 -  45000    3735    $158,510,695   $15,136,023      9.55        11492
  $ 45001 -  50000    3198    $151,720,379   $14,709,106      9.69        10570
  $ 50001 -  75000    9794    $591,427,394   $64,862,127     10.97        34004
  $ 75001 - 100000    2791    $235,721,159   $33,264,125     14.11         9479
  $100001 - 250000    1456    $197,986,760   $36,317,798     18.34         5045
  OVER $250,000        254    $135,514,391   $40,870,412     30.16          837

                    ______________________________________________________________
  TOTAL              75242  $2,365,834,438  $268,574,629     11.35       164473
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.2           0.0                    0.3
  $     1  -  5000    13.3             1.1           0.1                    3.5
  $  5001 -  10000    11.3             2.7           0.7                    6.1
  $ 10001 -  15000    10.5             4.1           1.7                    7.8
  $ 15001 -  20000     9.4             5.2           2.8                    8.4
  $ 20001 -  25000     8.2             5.9           3.8                    8.2
  $ 25001 -  30000     6.9             6.1           4.3                    7.5
  $ 30001 -  35000     6.2             6.4           4.9                    7.4
  $ 35001 -  40000     5.5             6.5           5.3                    7.2
  $ 40001 -  45000     5.0             6.7           5.6                    7.0
  $ 45001 -  50000     4.3             6.4           5.5                    6.4
  $ 50001 -  75000    13.0            25.0          24.2                   20.7
  $ 75001 - 100000     3.7            10.0          12.4                    5.8
  $100001 - 250000     1.9             8.4          13.5                    3.1
  OVER $250,000        0.3             5.7          15.2                    0.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-13,934           $24                   1.65
  $     1  -  5000                  $2,548           $23                   0.58
  $  5001 -  10000                  $7,477          $216                   1.18
  $ 10001 -  15000                 $12,482          $578                   1.64
  $ 15001 -  20000                 $17,461        $1,071                   1.94
  $ 20001 -  25000                 $22,465        $1,636                   2.19
  $ 25001 -  30000                 $27,441        $2,219                   2.38
  $ 30001 -  35000                 $32,448        $2,832                   2.61
  $ 35001 -  40000                 $37,431        $3,463                   2.88
  $ 40001 -  45000                 $42,439        $4,052                   3.08
  $ 45001 -  50000                 $47,442        $4,599                   3.31
  $ 50001 -  75000                 $60,387        $6,623                   3.47
  $ 75001 - 100000                 $84,458       $11,918                   3.40
  $100001 - 250000                $135,980       $24,944                   3.46
  OVER $250,000                   $533,521      $160,907                   3.30

                    ______________________________________________________________
  TOTAL                            $31,443        $3,569                   2.19
                    ______________________________________________________________
          # 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      OUT 0F STATE
                        _________________________________________________
  UNDER $ 10,000         2         $-8,517             .       .              4
  $ 10001 -  15000       2         $24,175        $1,560      6.45            2
  $ 15001 -  20000       3         $53,201        $4,961      9.33            3
  $ 20001 -  25000       1         $22,572        $1,429      6.33            2
  $ 25001 -  30000       1         $27,623        $2,059      7.45            1
  $ 30001 -  35000       1         $32,469        $2,389      7.36            4
  $ 45001 - 250000       4        $353,265       $50,520     14.30           17

                    ______________________________________________________________
  TOTAL                 14        $504,788       $62,918     12.46           33
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 10,000      14.3            -1.7            .                    12.1
  $ 10001 -  15000    14.3             4.8           2.5                    6.1
  $ 15001 -  20000    21.4            10.5           7.9                    9.1
  $ 20001 -  25000     7.1             4.5           2.3                    6.1
  $ 25001 -  30000     7.1             5.5           3.3                    3.0
  $ 30001 -  35000     7.1             6.4           3.8                   12.1
  $ 45001 - 250000    28.6            70.0          80.3                   51.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 10,000                   $-4,259             .                   2.00
  $ 10001 -  15000                 $12,088          $780                   1.00
  $ 15001 -  20000                 $17,734        $1,654                   1.00
  $ 20001 -  25000                 $22,572        $1,429                   2.00
  $ 25001 -  30000                 $27,623        $2,059                   1.00
  $ 30001 -  35000                 $32,469        $2,389                   4.00
  $ 45001 - 250000                 $88,316       $12,630                   4.25

                    ______________________________________________________________
  TOTAL                            $36,056        $4,494                   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      PRIOR YEAR
                        _________________________________________________
  UNDER $1            1734   $-118,789,480      $728,569     -0.61         3815
  $     1  -  5000    4462     $10,611,118      $200,477      1.89         4399
  $  5001 -  10000    3328     $24,698,695      $569,184      2.30         5937
  $ 10001 -  15000    2965     $36,937,911    $1,310,170      3.55         7132
  $ 15001 -  20000    2624     $45,891,255    $2,245,821      4.89         6982
  $ 20001 -  25000    2383     $53,472,653    $2,996,827      5.60         7227
  $ 25001 -  30000    2145     $58,886,462    $3,795,922      6.45         6957
  $ 30001 -  35000    1881     $61,049,759    $4,339,534      7.11         6621
  $ 35001 -  40000    1719     $64,367,305    $5,136,893      7.98         6166
  $ 40001 -  45000    1466     $62,230,367    $5,178,370      8.32         5605
  $ 45001 -  50000    1256     $59,549,883    $5,295,048      8.89         4783
  $ 50001 -  75000    4239    $259,034,282   $26,687,850     10.30        16738
  $ 75001 - 100000    1881    $161,407,177   $20,969,712     12.99         7512
  $100001 - 250000    2498    $365,292,853   $66,089,982     18.09        10315
  OVER $250,000        807    $750,087,696  $210,584,418     28.07         3236

                    ______________________________________________________________
  TOTAL              35388  $1,894,727,936  $356,128,777     18.80       103425
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             4.9            -6.3           0.2                    3.7
  $     1  -  5000    12.6             0.6           0.1                    4.3
  $  5001 -  10000     9.4             1.3           0.2                    5.7
  $ 10001 -  15000     8.4             1.9           0.4                    6.9
  $ 15001 -  20000     7.4             2.4           0.6                    6.8
  $ 20001 -  25000     6.7             2.8           0.8                    7.0
  $ 25001 -  30000     6.1             3.1           1.1                    6.7
  $ 30001 -  35000     5.3             3.2           1.2                    6.4
  $ 35001 -  40000     4.9             3.4           1.4                    6.0
  $ 40001 -  45000     4.1             3.3           1.5                    5.4
  $ 45001 -  50000     3.5             3.1           1.5                    4.6
  $ 50001 -  75000    12.0            13.7           7.5                   16.2
  $ 75001 - 100000     5.3             8.5           5.9                    7.3
  $100001 - 250000     7.1            19.3          18.6                   10.0
  OVER $250,000        2.3            39.6          59.1                    3.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-68,506          $420                   2.20
  $     1  -  5000                  $2,378           $45                   0.99
  $  5001 -  10000                  $7,421          $171                   1.78
  $ 10001 -  15000                 $12,458          $442                   2.41
  $ 15001 -  20000                 $17,489          $856                   2.66
  $ 20001 -  25000                 $22,439        $1,258                   3.03
  $ 25001 -  30000                 $27,453        $1,770                   3.24
  $ 30001 -  35000                 $32,456        $2,307                   3.52
  $ 35001 -  40000                 $37,445        $2,988                   3.59
  $ 40001 -  45000                 $42,449        $3,532                   3.82
  $ 45001 -  50000                 $47,412        $4,216                   3.81
  $ 50001 -  75000                 $61,107        $6,296                   3.95
  $ 75001 - 100000                 $85,809       $11,148                   3.99
  $100001 - 250000                $146,234       $26,457                   4.13
  OVER $250,000                   $929,477      $260,947                   4.01

                    ______________________________________________________________
  TOTAL                            $53,542       $10,064                   2.92
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1995 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      NEXT YEAR
                        _________________________________________________
  UNDER $ 10,000        10         $49,041          $753      1.54            8
  $ 10001 -  15000       5         $65,786        $1,766      2.68           10
  $ 15001 -  20000       1         $15,500        $1,203      7.76            1
  $ 20001 -  25000       5        $109,789        $7,062      6.43           10
  $ 25001 -  30000       1         $27,134        $1,961      7.23            3
  $ 30001 -  35000       3         $96,291        $9,511      9.88           10
  $ 35001 -  40000       1         $35,747        $3,251      9.09            3
  $ 40001 -  45000       2         $85,151        $8,879     10.43            8
  OVER $ 45,000         10        $983,873      $180,898     18.39           22

                    ______________________________________________________________
  TOTAL                 38      $1,468,312      $215,284     14.66           75
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 10,000      26.3             3.3           0.3                   10.7
  $ 10001 -  15000    13.2             4.5           0.8                   13.3
  $ 15001 -  20000     2.6             1.1           0.6                    1.3
  $ 20001 -  25000    13.2             7.5           3.3                   13.3
  $ 25001 -  30000     2.6             1.8           0.9                    4.0
  $ 30001 -  35000     7.9             6.6           4.4                   13.3
  $ 35001 -  40000     2.6             2.4           1.5                    4.0
  $ 40001 -  45000     5.3             5.8           4.1                   10.7
  OVER $ 45,000       26.3            67.0          84.0                   29.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 10,000                    $4,904           $75                   0.80
  $ 10001 -  15000                 $13,157          $353                   2.00
  $ 15001 -  20000                 $15,500        $1,203                   1.00
  $ 20001 -  25000                 $21,958        $1,412                   2.00
  $ 25001 -  30000                 $27,134        $1,961                   3.00
  $ 30001 -  35000                 $32,097        $3,170                   3.33
  $ 35001 -  40000                 $35,747        $3,251                   3.00
  $ 40001 -  45000                 $42,576        $4,440                   4.00
  OVER $ 45,000                    $98,387       $18,090                   2.20

                    ______________________________________________________________
  TOTAL                            $38,640        $5,665                   1.97
                    ______________________________________________________________
          # 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      STATE OF UTAH
                        _________________________________________________
  UNDER $1            6020   $-246,552,751    $1,218,905     -0.49        11835
  $     1  -  5000  116800    $301,502,588    $3,190,634      1.06        60605
  $  5001 -  10000   96228    $715,011,346   $21,356,231      2.99       112902
  $ 10001 -  15000   85596  $1,067,880,236   $49,185,598      4.61       145972
  $ 15001 -  20000   74806  $1,303,301,714   $78,058,910      5.99       151874
  $ 20001 -  25000   61667  $1,382,320,362   $96,465,211      6.98       143748
  $ 25001 -  30000   52164  $1,431,950,217  $110,182,285      7.69       135291
  $ 30001 -  35000   46195  $1,499,071,863  $123,240,409      8.22       133475
  $ 35001 -  40000   41965  $1,571,751,834  $137,470,865      8.75       131382
  $ 40001 -  45000   37159  $1,577,163,103  $143,217,182      9.08       123855
  $ 45001 -  50000   31761  $1,506,888,203  $140,535,029      9.33       111743
  $ 50001 -  75000   96728  $5,841,522,837  $618,118,350     10.58       352792
  $ 75001 - 100000   30437  $2,589,664,667  $349,912,869     13.51       111291
  $100001 - 250000   22829  $3,218,545,305  $583,148,278     18.12        86408
  OVER $250,000       4357  $2,747,340,411  $788,508,331     28.70        15988

                    ______________________________________________________________
  TOTAL             804712 $26,507,361,935$3,243,809,087     12.24      1829161
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.9           0.0                    0.6
  $     1  -  5000    14.5             1.1           0.1                    3.3
  $  5001 -  10000    12.0             2.7           0.7                    6.2
  $ 10001 -  15000    10.6             4.0           1.5                    8.0
  $ 15001 -  20000     9.3             4.9           2.4                    8.3
  $ 20001 -  25000     7.7             5.2           3.0                    7.9
  $ 25001 -  30000     6.5             5.4           3.4                    7.4
  $ 30001 -  35000     5.7             5.7           3.8                    7.3
  $ 35001 -  40000     5.2             5.9           4.2                    7.2
  $ 40001 -  45000     4.6             5.9           4.4                    6.8
  $ 45001 -  50000     3.9             5.7           4.3                    6.1
  $ 50001 -  75000    12.0            22.0          19.1                   19.3
  $ 75001 - 100000     3.8             9.8          10.8                    6.1
  $100001 - 250000     2.8            12.1          18.0                    4.7
  OVER $250,000        0.5            10.4          24.3                    0.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-40,956          $202                   1.97
  $     1  -  5000                  $2,581           $27                   0.52
  $  5001 -  10000                  $7,430          $222                   1.17
  $ 10001 -  15000                 $12,476          $575                   1.71
  $ 15001 -  20000                 $17,422        $1,043                   2.03
  $ 20001 -  25000                 $22,416        $1,564                   2.33
  $ 25001 -  30000                 $27,451        $2,112                   2.59
  $ 30001 -  35000                 $32,451        $2,668                   2.89
  $ 35001 -  40000                 $37,454        $3,276                   3.13
  $ 40001 -  45000                 $42,444        $3,854                   3.33
  $ 45001 -  50000                 $47,445        $4,425                   3.52
  $ 50001 -  75000                 $60,391        $6,390                   3.65
  $ 75001 - 100000                 $85,083       $11,496                   3.66
  $100001 - 250000                $140,985       $25,544                   3.79
  OVER $250,000                   $630,558      $180,975                   3.67

                    ______________________________________________________________
  TOTAL                            $32,940        $4,031                   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      OTHER UTAH
                        _________________________________________________
  UNDER $ 5,000         18         $42,070          $276      0.66            9
  $  5001 -  10000      11         $77,729        $1,251      1.61           19
  $ 10001 -  15000       7         $86,701        $4,612      5.32           10
  $ 15001 -  20000       7        $126,034        $5,191      4.12           19
  $ 20001 -  25000       4         $85,781        $5,355      6.24            8
  $ 25001 -  30000       2         $54,539        $3,508      6.43            6
  $ 30001 -  35000       1         $32,640        $2,749      8.42            1
  $ 35001 -  40000       1         $35,706        $3,626     10.16            2
  $ 40001 -  45000       2         $86,080        $9,398     10.92            4
  $ 45001 - 250000       7        $597,898       $89,508     14.97           25

                    ______________________________________________________________
  TOTAL                 60      $1,225,178      $125,474     10.24          103
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       30.0             3.4           0.2                    8.7
  $  5001 -  10000    18.3             6.3           1.0                   18.4
  $ 10001 -  15000    11.7             7.1           3.7                    9.7
  $ 15001 -  20000    11.7            10.3           4.1                   18.4
  $ 20001 -  25000     6.7             7.0           4.3                    7.8
  $ 25001 -  30000     3.3             4.5           2.8                    5.8
  $ 30001 -  35000     1.7             2.7           2.2                    1.0
  $ 35001 -  40000     1.7             2.9           2.9                    1.9
  $ 40001 -  45000     3.3             7.0           7.5                    3.9
  $ 45001 - 250000    11.7            48.8          71.3                   24.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,337           $15                   0.50
  $  5001 -  10000                  $7,066          $114                   1.73
  $ 10001 -  15000                 $12,386          $659                   1.43
  $ 15001 -  20000                 $18,005          $742                   2.71
  $ 20001 -  25000                 $21,445        $1,339                   2.00
  $ 25001 -  30000                 $27,270        $1,754                   3.00
  $ 30001 -  35000                 $32,640        $2,749                   1.00
  $ 35001 -  40000                 $35,706        $3,626                   2.00
  $ 40001 -  45000                 $43,040        $4,699                   2.00
  $ 45001 - 250000                 $85,414       $12,787                   3.57

                    ______________________________________________________________
  TOTAL                            $20,420        $2,091                   1.72
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION