TABLE OF CONTENTS (TOC)
CITY

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


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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

                    ______________________________________________________________
  TOTAL               2173     $95,399,815   $13,240,793     13.88         5644
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.4           0.0                    0.8
  $     1  -  5000    23.6             1.3           0.1                    2.0
  $  5001 -  10000    12.4             2.1           0.7                    3.8
  $ 10001 -  15000     7.3             2.0           0.8                    4.0
  $ 15001 -  20000     4.7             1.9           0.8                    4.0
  $ 20001 -  25000     3.4             1.7           0.8                    3.3
  $ 25001 -  30000     2.5             1.5           0.7                    2.5
  $ 30001 -  35000     2.7             2.0           0.9                    3.3
  $ 35001 -  40000     3.7             3.1           1.6                    6.0
  $ 40001 -  45000     2.9             2.8           1.4                    4.7
  $ 45001 -  50000     3.7             4.0           2.1                    6.1
  $ 50001 -  75000    16.3            22.7          13.5                   29.1
  $ 75001 - 100000     7.8            15.2          12.3                   14.1
  $100001 - 250000     7.1            22.0          25.3                   13.9
  OVER $250,000        1.3            17.9          38.9                    2.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-23,164            $0                   2.87
  $     1  -  5000                  $2,501           $32                   0.22
  $  5001 -  10000                  $7,356          $326                   0.80
  $ 10001 -  15000                 $12,302          $712                   1.44
  $ 15001 -  20000                 $17,509          $986                   2.17
  $ 20001 -  25000                 $22,657        $1,484                   2.55
  $ 25001 -  30000                 $27,096        $1,633                   2.59
  $ 30001 -  35000                 $32,476        $2,118                   3.26
  $ 35001 -  40000                 $37,458        $2,676                   4.23
  $ 40001 -  45000                 $42,380        $2,992                   4.32
  $ 45001 -  50000                 $47,337        $3,444                   4.25
  $ 50001 -  75000                 $61,076        $5,049                   4.62
  $ 75001 - 100000                 $86,062        $9,631                   4.72
  $100001 - 250000                $136,450       $21,788                   5.08
  OVER $250,000                   $587,560      $177,572                   4.83

                    ______________________________________________________________
  TOTAL                            $43,902        $6,093                   2.60
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      HILL AFB UT
                        _________________________________________________
  UNDER $ 5,000         89        $208,662        $4,916      2.36           20
  $  5001 -  10000     275      $2,177,420       $65,989      3.03          278
  $ 10001 -  15000     389      $4,787,453      $244,301      5.10          651
  $ 15001 -  20000     262      $4,594,293      $184,116      4.01          741
  $ 20001 -  25000     220      $4,912,770      $234,375      4.77          755
  $ 25001 -  30000     190      $5,219,424      $302,810      5.80          727
  $ 30001 -  35000     114      $3,683,478      $264,798      7.19          413
  $ 35001 -  40000      93      $3,463,689      $292,859      8.46          329
  $ 40001 -  45000      77      $3,243,836      $287,882      8.87          299
  $ 45001 -  50000      36      $1,705,259      $153,416      9.00          148
  $ 50001 -  75000      57      $3,429,776      $413,059     12.04          204
  $ 75001 - 250000      18      $1,565,825      $258,102     16.48           65

                    ______________________________________________________________
  TOTAL               1820     $38,991,885    $2,706,623      6.94         4630
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        4.9             0.5           0.2                    0.4
  $  5001 -  10000    15.1             5.6           2.4                    6.0
  $ 10001 -  15000    21.4            12.3           9.0                   14.1
  $ 15001 -  20000    14.4            11.8           6.8                   16.0
  $ 20001 -  25000    12.1            12.6           8.7                   16.3
  $ 25001 -  30000    10.4            13.4          11.2                   15.7
  $ 30001 -  35000     6.3             9.4           9.8                    8.9
  $ 35001 -  40000     5.1             8.9          10.8                    7.1
  $ 40001 -  45000     4.2             8.3          10.6                    6.5
  $ 45001 -  50000     2.0             4.4           5.7                    3.2
  $ 50001 -  75000     3.1             8.8          15.3                    4.4
  $ 75001 - 250000     1.0             4.0           9.5                    1.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,345           $55                   0.22
  $  5001 -  10000                  $7,918          $240                   1.01
  $ 10001 -  15000                 $12,307          $628                   1.67
  $ 15001 -  20000                 $17,535          $703                   2.83
  $ 20001 -  25000                 $22,331        $1,065                   3.43
  $ 25001 -  30000                 $27,471        $1,594                   3.83
  $ 30001 -  35000                 $32,311        $2,323                   3.62
  $ 35001 -  40000                 $37,244        $3,149                   3.54
  $ 40001 -  45000                 $42,128        $3,739                   3.88
  $ 45001 -  50000                 $47,368        $4,262                   4.11
  $ 50001 -  75000                 $60,172        $7,247                   3.58
  $ 75001 - 250000                 $86,990       $14,339                   3.61

                    ______________________________________________________________
  TOTAL                            $21,424        $1,487                   2.54
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      HOLLADAY UT
                        _________________________________________________
  UNDER $ 5,000        153        $-15,022        $4,028     -26.8           80
  $  5001 -  10000     147      $1,141,412       $32,780      2.87          176
  $ 10001 -  15000     156      $1,979,913      $111,039      5.61          219
  $ 15001 -  20000     193      $3,360,739      $236,021      7.02          324
  $ 20001 -  25000     137      $3,051,832      $252,385      8.27          249
  $ 25001 -  30000     113      $3,103,007      $284,829      9.18          203
  $ 30001 -  35000      79      $2,581,763      $254,205      9.85          163
  $ 35001 -  40000      79      $2,958,375      $301,063     10.18          181
  $ 40001 -  45000      67      $2,819,845      $314,723     11.16          157
  $ 45001 -  50000      55      $2,602,731      $271,631     10.44          150
  $ 50001 -  75000     139      $8,546,267    $1,006,319     11.77          394
  $ 75001 - 100000      68      $5,792,504      $827,387     14.28          225
  $100001 - 250000      48      $7,063,190    $1,270,720     17.99          189
  OVER $250,000         15     $11,246,725    $3,702,497     32.92           51

                    ______________________________________________________________
  TOTAL               1449     $56,233,281    $8,869,627     15.77         2761
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       10.6            -0.0           0.0                    2.9
  $  5001 -  10000    10.1             2.0           0.4                    6.4
  $ 10001 -  15000    10.8             3.5           1.3                    7.9
  $ 15001 -  20000    13.3             6.0           2.7                   11.7
  $ 20001 -  25000     9.5             5.4           2.8                    9.0
  $ 25001 -  30000     7.8             5.5           3.2                    7.4
  $ 30001 -  35000     5.5             4.6           2.9                    5.9
  $ 35001 -  40000     5.5             5.3           3.4                    6.6
  $ 40001 -  45000     4.6             5.0           3.5                    5.7
  $ 45001 -  50000     3.8             4.6           3.1                    5.4
  $ 50001 -  75000     9.6            15.2          11.3                   14.3
  $ 75001 - 100000     4.7            10.3           9.3                    8.1
  $100001 - 250000     3.3            12.6          14.3                    6.8
  OVER $250,000        1.0            20.0          41.7                    1.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                       $-98           $26                   0.52
  $  5001 -  10000                  $7,765          $223                   1.20
  $ 10001 -  15000                 $12,692          $712                   1.40
  $ 15001 -  20000                 $17,413        $1,223                   1.68
  $ 20001 -  25000                 $22,276        $1,842                   1.82
  $ 25001 -  30000                 $27,460        $2,521                   1.80
  $ 30001 -  35000                 $32,681        $3,218                   2.06
  $ 35001 -  40000                 $37,448        $3,811                   2.29
  $ 40001 -  45000                 $42,087        $4,697                   2.34
  $ 45001 -  50000                 $47,322        $4,939                   2.73
  $ 50001 -  75000                 $61,484        $7,240                   2.83
  $ 75001 - 100000                 $85,184       $12,167                   3.31
  $100001 - 250000                $147,150       $26,473                   3.94
  OVER $250,000                   $749,782      $246,833                   3.40

                    ______________________________________________________________
  TOTAL                            $38,808        $6,121                   1.91
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      HOOPER UT
                        _________________________________________________
  UNDER $1              16       $-233,839            $0      0.00           26
  $     1  -  5000     313        $790,242       $11,087      1.40           70
  $  5001 -  10000     217      $1,579,642       $56,952      3.61          178
  $ 10001 -  15000     165      $2,063,266      $112,254      5.44          243
  $ 15001 -  20000     164      $2,865,521      $194,195      6.78          268
  $ 20001 -  25000     119      $2,677,285      $183,982      6.87          260
  $ 25001 -  30000     122      $3,339,691      $261,377      7.83          292
  $ 30001 -  35000     105      $3,434,435      $274,501      7.99          305
  $ 35001 -  40000     120      $4,515,615      $379,201      8.40          371
  $ 40001 -  45000     117      $4,971,369      $444,605      8.94          392
  $ 45001 -  50000     125      $5,954,013      $532,376      8.94          460
  $ 50001 -  75000     473     $28,560,332    $2,936,532     10.28         1688
  $ 75001 - 100000     120     $10,160,452    $1,336,992     13.16          453
  OVER $100,000         51      $8,776,156    $1,834,376     20.90          214

                    ______________________________________________________________
  TOTAL               2227     $79,454,180    $8,558,430     10.77         5220
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.3           0.0                    0.5
  $     1  -  5000    14.1             1.0           0.1                    1.3
  $  5001 -  10000     9.7             2.0           0.7                    3.4
  $ 10001 -  15000     7.4             2.6           1.3                    4.7
  $ 15001 -  20000     7.4             3.6           2.3                    5.1
  $ 20001 -  25000     5.3             3.4           2.1                    5.0
  $ 25001 -  30000     5.5             4.2           3.1                    5.6
  $ 30001 -  35000     4.7             4.3           3.2                    5.8
  $ 35001 -  40000     5.4             5.7           4.4                    7.1
  $ 40001 -  45000     5.3             6.3           5.2                    7.5
  $ 45001 -  50000     5.6             7.5           6.2                    8.8
  $ 50001 -  75000    21.2            35.9          34.3                   32.3
  $ 75001 - 100000     5.4            12.8          15.6                    8.7
  OVER $100,000        2.3            11.0          21.4                    4.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-14,615            $0                   1.63
  $     1  -  5000                  $2,525           $35                   0.22
  $  5001 -  10000                  $7,279          $262                   0.82
  $ 10001 -  15000                 $12,505          $680                   1.47
  $ 15001 -  20000                 $17,473        $1,184                   1.63
  $ 20001 -  25000                 $22,498        $1,546                   2.18
  $ 25001 -  30000                 $27,375        $2,142                   2.39
  $ 30001 -  35000                 $32,709        $2,614                   2.90
  $ 35001 -  40000                 $37,630        $3,160                   3.09
  $ 40001 -  45000                 $42,490        $3,800                   3.35
  $ 45001 -  50000                 $47,632        $4,259                   3.68
  $ 50001 -  75000                 $60,381        $6,208                   3.57
  $ 75001 - 100000                 $84,670       $11,142                   3.78
  OVER $100,000                   $172,081       $35,968                   4.20

                    ______________________________________________________________
  TOTAL                            $35,678        $3,843                   2.34
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      HUNTINGTON UT
                        _________________________________________________
  UNDER $ 5,000        150        $112,586        $2,141      1.90          141
  $  5001 -  10000     103        $759,448       $15,308      2.02          153
  $ 10001 -  15000      81      $1,010,437       $31,011      3.07          174
  $ 15001 -  20000      80      $1,380,655       $60,460      4.38          210
  $ 20001 -  25000      57      $1,273,846       $65,584      5.15          201
  $ 25001 -  30000      57      $1,562,329      $100,278      6.42          201
  $ 30001 -  35000      60      $1,953,576      $158,764      8.13          184
  $ 35001 -  40000      35      $1,303,900      $103,668      7.95          143
  $ 40001 -  45000      49      $2,076,062      $175,714      8.46          193
  $ 45001 -  50000      41      $1,921,325      $184,362      9.60          151
  $ 50001 -  75000     156      $9,361,702    $1,019,073     10.89          607
  $ 75001 - 250000      26      $2,410,173      $374,456     15.54          100

                    ______________________________________________________________
  TOTAL                895     $25,126,039    $2,290,819      9.12         2458
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       16.8             0.4           0.1                    5.7
  $  5001 -  10000    11.5             3.0           0.7                    6.2
  $ 10001 -  15000     9.1             4.0           1.4                    7.1
  $ 15001 -  20000     8.9             5.5           2.6                    8.5
  $ 20001 -  25000     6.4             5.1           2.9                    8.2
  $ 25001 -  30000     6.4             6.2           4.4                    8.2
  $ 30001 -  35000     6.7             7.8           6.9                    7.5
  $ 35001 -  40000     3.9             5.2           4.5                    5.8
  $ 40001 -  45000     5.5             8.3           7.7                    7.9
  $ 45001 -  50000     4.6             7.6           8.0                    6.1
  $ 50001 -  75000    17.4            37.3          44.5                   24.7
  $ 75001 - 250000     2.9             9.6          16.3                    4.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                       $751           $14                   0.94
  $  5001 -  10000                  $7,373          $149                   1.49
  $ 10001 -  15000                 $12,475          $383                   2.15
  $ 15001 -  20000                 $17,258          $756                   2.63
  $ 20001 -  25000                 $22,348        $1,151                   3.53
  $ 25001 -  30000                 $27,409        $1,759                   3.53
  $ 30001 -  35000                 $32,560        $2,646                   3.07
  $ 35001 -  40000                 $37,254        $2,962                   4.09
  $ 40001 -  45000                 $42,369        $3,586                   3.94
  $ 45001 -  50000                 $46,862        $4,497                   3.68
  $ 50001 -  75000                 $60,011        $6,533                   3.89
  $ 75001 - 250000                 $92,699       $14,402                   3.85

                    ______________________________________________________________
  TOTAL                            $28,074        $2,560                   2.75
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      HUNTSVILLE UT
                        _________________________________________________
  UNDER $ 5,000        128        $184,105        $4,681      2.54           57
  $  5001 -  10000      85        $621,217       $27,884      4.49           61
  $ 10001 -  15000      58        $714,257       $29,567      4.14          101
  $ 15001 -  20000      44        $762,990       $47,071      6.17           80
  $ 20001 -  25000      58      $1,301,081       $89,222      6.86          116
  $ 25001 -  30000      41      $1,113,249       $92,942      8.35           82
  $ 30001 -  35000      43      $1,396,252      $114,748      8.22          126
  $ 35001 -  40000      39      $1,467,733      $132,680      9.04          111
  $ 40001 -  45000      32      $1,349,955      $119,496      8.85          111
  $ 45001 -  50000      42      $1,972,516      $181,684      9.21          152
  $ 50001 -  75000     127      $7,675,543      $746,622      9.73          514
  $ 75001 - 100000      47      $4,013,989      $497,795     12.40          178
  OVER $100,000         38      $6,963,678    $1,473,344     21.16          147

                    ______________________________________________________________
  TOTAL                782     $29,536,565    $3,557,736     12.05         1836
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       16.4             0.6           0.1                    3.1
  $  5001 -  10000    10.9             2.1           0.8                    3.3
  $ 10001 -  15000     7.4             2.4           0.8                    5.5
  $ 15001 -  20000     5.6             2.6           1.3                    4.4
  $ 20001 -  25000     7.4             4.4           2.5                    6.3
  $ 25001 -  30000     5.2             3.8           2.6                    4.5
  $ 30001 -  35000     5.5             4.7           3.2                    6.9
  $ 35001 -  40000     5.0             5.0           3.7                    6.0
  $ 40001 -  45000     4.1             4.6           3.4                    6.0
  $ 45001 -  50000     5.4             6.7           5.1                    8.3
  $ 50001 -  75000    16.2            26.0          21.0                   28.0
  $ 75001 - 100000     6.0            13.6          14.0                    9.7
  OVER $100,000        4.9            23.6          41.4                    8.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,438           $37                   0.45
  $  5001 -  10000                  $7,308          $328                   0.72
  $ 10001 -  15000                 $12,315          $510                   1.74
  $ 15001 -  20000                 $17,341        $1,070                   1.82
  $ 20001 -  25000                 $22,432        $1,538                   2.00
  $ 25001 -  30000                 $27,152        $2,267                   2.00
  $ 30001 -  35000                 $32,471        $2,669                   2.93
  $ 35001 -  40000                 $37,634        $3,402                   2.85
  $ 40001 -  45000                 $42,186        $3,734                   3.47
  $ 45001 -  50000                 $46,965        $4,326                   3.62
  $ 50001 -  75000                 $60,437        $5,879                   4.05
  $ 75001 - 100000                 $85,404       $10,591                   3.79
  OVER $100,000                   $183,255       $38,772                   3.87

                    ______________________________________________________________
  TOTAL                            $37,771        $4,550                   2.35
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      HURRICANE UT
                        _________________________________________________
  UNDER $1              28       $-487,117            $0      0.00           61
  $     1  -  5000     370        $978,949        $7,378      0.75          253
  $  5001 -  10000     339      $2,540,459       $63,776      2.51          465
  $ 10001 -  15000     288      $3,572,202      $126,106      3.53          573
  $ 15001 -  20000     273      $4,709,343      $206,536      4.39          653
  $ 20001 -  25000     219      $4,911,168      $281,798      5.74          590
  $ 25001 -  30000     184      $5,035,002      $338,852      6.73          571
  $ 30001 -  35000     168      $5,431,336      $370,025      6.81          594
  $ 35001 -  40000     152      $5,680,925      $454,554      8.00          499
  $ 40001 -  45000      98      $4,162,730      $329,199      7.91          367
  $ 45001 -  50000     112      $5,310,718      $482,703      9.09          384
  $ 50001 -  75000     218     $12,884,532    $1,251,107      9.71          829
  $ 75001 - 100000      54      $4,508,379      $580,823     12.88          198
  OVER $100,000         37      $9,194,735    $2,309,609     25.12          119

                    ______________________________________________________________
  TOTAL               2540     $68,433,361    $6,802,466      9.94         6156
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.1            -0.7           0.0                    1.0
  $     1  -  5000    14.6             1.4           0.1                    4.1
  $  5001 -  10000    13.3             3.7           0.9                    7.6
  $ 10001 -  15000    11.3             5.2           1.9                    9.3
  $ 15001 -  20000    10.7             6.9           3.0                   10.6
  $ 20001 -  25000     8.6             7.2           4.1                    9.6
  $ 25001 -  30000     7.2             7.4           5.0                    9.3
  $ 30001 -  35000     6.6             7.9           5.4                    9.6
  $ 35001 -  40000     6.0             8.3           6.7                    8.1
  $ 40001 -  45000     3.9             6.1           4.8                    6.0
  $ 45001 -  50000     4.4             7.8           7.1                    6.2
  $ 50001 -  75000     8.6            18.8          18.4                   13.5
  $ 75001 - 100000     2.1             6.6           8.5                    3.2
  OVER $100,000        1.5            13.4          34.0                    1.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-17,397            $0                   2.18
  $     1  -  5000                  $2,646           $20                   0.68
  $  5001 -  10000                  $7,494          $188                   1.37
  $ 10001 -  15000                 $12,403          $438                   1.99
  $ 15001 -  20000                 $17,250          $757                   2.39
  $ 20001 -  25000                 $22,425        $1,287                   2.69
  $ 25001 -  30000                 $27,364        $1,842                   3.10
  $ 30001 -  35000                 $32,329        $2,203                   3.54
  $ 35001 -  40000                 $37,375        $2,990                   3.28
  $ 40001 -  45000                 $42,477        $3,359                   3.74
  $ 45001 -  50000                 $47,417        $4,310                   3.43
  $ 50001 -  75000                 $59,103        $5,739                   3.80
  $ 75001 - 100000                 $83,489       $10,756                   3.67
  OVER $100,000                   $248,506       $62,422                   3.22

                    ______________________________________________________________
  TOTAL                            $26,942        $2,678                   2.42
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      HYDE PARK UT
                        _________________________________________________
  UNDER $ 5,000        184        $428,715        $4,290      1.00           46
  $  5001 -  10000     126        $928,962       $36,520      3.93           99
  $ 10001 -  15000      74        $921,201       $46,904      5.09          105
  $ 15001 -  20000      63      $1,096,443       $61,876      5.64          125
  $ 20001 -  25000      50      $1,110,656       $52,557      4.73          161
  $ 25001 -  30000      49      $1,359,523       $97,948      7.20          141
  $ 30001 -  35000      47      $1,518,197       $96,409      6.35          180
  $ 35001 -  40000      46      $1,719,387      $109,495      6.37          205
  $ 40001 -  45000      58      $2,453,486      $183,759      7.49          233
  $ 45001 -  50000      58      $2,761,136      $211,921      7.68          245
  $ 50001 -  75000     183     $11,066,737    $1,044,015      9.43          780
  $ 75001 - 100000      59      $4,986,487      $573,032     11.49          266
  OVER $100,000         27      $4,393,004      $846,656     19.27          121

                    ______________________________________________________________
  TOTAL               1024     $34,743,934    $3,365,382      9.69         2707
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       18.0             1.2           0.1                    1.7
  $  5001 -  10000    12.3             2.7           1.1                    3.7
  $ 10001 -  15000     7.2             2.7           1.4                    3.9
  $ 15001 -  20000     6.2             3.2           1.8                    4.6
  $ 20001 -  25000     4.9             3.2           1.6                    5.9
  $ 25001 -  30000     4.8             3.9           2.9                    5.2
  $ 30001 -  35000     4.6             4.4           2.9                    6.6
  $ 35001 -  40000     4.5             4.9           3.3                    7.6
  $ 40001 -  45000     5.7             7.1           5.5                    8.6
  $ 45001 -  50000     5.7             7.9           6.3                    9.1
  $ 50001 -  75000    17.9            31.9          31.0                   28.8
  $ 75001 - 100000     5.8            14.4          17.0                    9.8
  OVER $100,000        2.6            12.6          25.2                    4.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,330           $23                   0.25
  $  5001 -  10000                  $7,373          $290                   0.79
  $ 10001 -  15000                 $12,449          $634                   1.42
  $ 15001 -  20000                 $17,404          $982                   1.98
  $ 20001 -  25000                 $22,213        $1,051                   3.22
  $ 25001 -  30000                 $27,745        $1,999                   2.88
  $ 30001 -  35000                 $32,302        $2,051                   3.83
  $ 35001 -  40000                 $37,378        $2,380                   4.46
  $ 40001 -  45000                 $42,301        $3,168                   4.02
  $ 45001 -  50000                 $47,606        $3,654                   4.22
  $ 50001 -  75000                 $60,474        $5,705                   4.26
  $ 75001 - 100000                 $84,517        $9,712                   4.51
  OVER $100,000                   $162,704       $31,358                   4.48

                    ______________________________________________________________
  TOTAL                            $33,930        $3,287                   2.64
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      HYRUM UT
                        _________________________________________________
  UNDER $1              11       $-223,581            $0      0.00           32
  $     1  -  5000     271        $735,334        $5,617      0.76          120
  $  5001 -  10000     254      $1,892,597       $53,756      2.84          323
  $ 10001 -  15000     196      $2,445,669       $96,600      3.95          385
  $ 15001 -  20000     175      $3,039,433      $159,038      5.23          404
  $ 20001 -  25000     177      $4,008,505      $243,145      6.07          504
  $ 25001 -  30000     139      $3,792,035      $236,827      6.25          470
  $ 30001 -  35000     147      $4,788,288      $342,223      7.15          526
  $ 35001 -  40000     130      $4,828,133      $384,687      7.97          467
  $ 40001 -  45000     103      $4,353,950      $362,201      8.32          420
  $ 45001 -  50000      91      $4,288,855      $369,068      8.61          364
  $ 50001 -  75000     233     $13,987,350    $1,401,747     10.02          946
  $ 75001 - 100000      60      $5,023,437      $678,935     13.52          234
  OVER $100,000         29      $5,642,211    $1,110,124     19.68          115

                    ______________________________________________________________
  TOTAL               2016     $58,602,216    $5,443,968      9.29         5310
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.4           0.0                    0.6
  $     1  -  5000    13.4             1.3           0.1                    2.3
  $  5001 -  10000    12.6             3.2           1.0                    6.1
  $ 10001 -  15000     9.7             4.2           1.8                    7.3
  $ 15001 -  20000     8.7             5.2           2.9                    7.6
  $ 20001 -  25000     8.8             6.8           4.5                    9.5
  $ 25001 -  30000     6.9             6.5           4.4                    8.9
  $ 30001 -  35000     7.3             8.2           6.3                    9.9
  $ 35001 -  40000     6.4             8.2           7.1                    8.8
  $ 40001 -  45000     5.1             7.4           6.7                    7.9
  $ 45001 -  50000     4.5             7.3           6.8                    6.9
  $ 50001 -  75000    11.6            23.9          25.7                   17.8
  $ 75001 - 100000     3.0             8.6          12.5                    4.4
  OVER $100,000        1.4             9.6          20.4                    2.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-20,326            $0                   2.91
  $     1  -  5000                  $2,713           $21                   0.44
  $  5001 -  10000                  $7,451          $212                   1.27
  $ 10001 -  15000                 $12,478          $493                   1.96
  $ 15001 -  20000                 $17,368          $909                   2.31
  $ 20001 -  25000                 $22,647        $1,374                   2.85
  $ 25001 -  30000                 $27,281        $1,704                   3.38
  $ 30001 -  35000                 $32,573        $2,328                   3.58
  $ 35001 -  40000                 $37,139        $2,959                   3.59
  $ 40001 -  45000                 $42,271        $3,517                   4.08
  $ 45001 -  50000                 $47,130        $4,056                   4.00
  $ 50001 -  75000                 $60,032        $6,016                   4.06
  $ 75001 - 100000                 $83,724       $11,316                   3.90
  OVER $100,000                   $194,559       $38,280                   3.97

                    ______________________________________________________________
  TOTAL                            $29,069        $2,700                   2.63
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      IVINS UT
                        _________________________________________________
  UNDER $ 5,000        121        $245,782        $1,386      0.56           94
  $  5001 -  10000     100        $734,793       $17,306      2.36          138
  $ 10001 -  15000     109      $1,346,702       $42,449      3.15          213
  $ 15001 -  20000     104      $1,817,058       $82,597      4.55          243
  $ 20001 -  25000      93      $2,067,356      $113,380      5.48          254
  $ 25001 -  30000      82      $2,252,930      $154,222      6.85          232
  $ 30001 -  35000     102      $3,292,896      $243,322      7.39          329
  $ 35001 -  40000      70      $2,631,446      $216,429      8.22          226
  $ 40001 -  45000      64      $2,715,559      $228,109      8.40          217
  $ 45001 -  50000      46      $2,166,846      $198,282      9.15          140
  $ 50001 -  75000      95      $5,606,735      $602,011     10.74          311
  $ 75001 - 100000      25      $2,121,797      $276,284     13.02           88
  $100001 - 250000      14      $1,857,008      $341,515     18.39           39

                    ______________________________________________________________
  TOTAL               1025     $28,856,908    $2,517,292      8.72         2524
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       11.8             0.9           0.1                    3.7
  $  5001 -  10000     9.8             2.5           0.7                    5.5
  $ 10001 -  15000    10.6             4.7           1.7                    8.4
  $ 15001 -  20000    10.1             6.3           3.3                    9.6
  $ 20001 -  25000     9.1             7.2           4.5                   10.1
  $ 25001 -  30000     8.0             7.8           6.1                    9.2
  $ 30001 -  35000    10.0            11.4           9.7                   13.0
  $ 35001 -  40000     6.8             9.1           8.6                    9.0
  $ 40001 -  45000     6.2             9.4           9.1                    8.6
  $ 45001 -  50000     4.5             7.5           7.9                    5.5
  $ 50001 -  75000     9.3            19.4          23.9                   12.3
  $ 75001 - 100000     2.4             7.4          11.0                    3.5
  $100001 - 250000     1.4             6.4          13.6                    1.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,031           $11                   0.78
  $  5001 -  10000                  $7,348          $173                   1.38
  $ 10001 -  15000                 $12,355          $389                   1.95
  $ 15001 -  20000                 $17,472          $794                   2.34
  $ 20001 -  25000                 $22,230        $1,219                   2.73
  $ 25001 -  30000                 $27,475        $1,881                   2.83
  $ 30001 -  35000                 $32,283        $2,386                   3.23
  $ 35001 -  40000                 $37,592        $3,092                   3.23
  $ 40001 -  45000                 $42,431        $3,564                   3.39
  $ 45001 -  50000                 $47,105        $4,310                   3.04
  $ 50001 -  75000                 $59,018        $6,337                   3.27
  $ 75001 - 100000                 $84,872       $11,051                   3.52
  $100001 - 250000                $132,643       $24,394                   2.79

                    ______________________________________________________________
  TOTAL                            $28,153        $2,456                   2.46
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      KAMAS UT
                        _________________________________________________
  UNDER $ 5,000        150        $337,612        $2,551      0.76           69
  $  5001 -  10000     144      $1,086,680       $35,506      3.27          158
  $ 10001 -  15000     105      $1,308,124       $58,671      4.49          172
  $ 15001 -  20000     103      $1,791,173      $105,767      5.90          211
  $ 20001 -  25000     109      $2,451,350      $176,380      7.20          232
  $ 25001 -  30000      82      $2,246,365      $172,826      7.69          213
  $ 30001 -  35000      54      $1,744,965      $130,894      7.50          173
  $ 35001 -  40000      61      $2,283,258      $170,931      7.49          220
  $ 40001 -  45000      63      $2,677,218      $225,868      8.44          223
  $ 45001 -  50000      44      $2,097,836      $198,801      9.48          149
  $ 50001 -  75000     101      $6,006,367      $624,072     10.39          348
  $ 75001 - 100000      21      $1,756,701      $261,203     14.87           65
  $100001 - 250000      22      $2,622,749      $411,522     15.69           94

                    ______________________________________________________________
  TOTAL               1059     $28,410,398    $2,574,992      9.06         2327
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       14.2             1.2           0.1                    3.0
  $  5001 -  10000    13.6             3.8           1.4                    6.8
  $ 10001 -  15000     9.9             4.6           2.3                    7.4
  $ 15001 -  20000     9.7             6.3           4.1                    9.1
  $ 20001 -  25000    10.3             8.6           6.8                   10.0
  $ 25001 -  30000     7.7             7.9           6.7                    9.2
  $ 30001 -  35000     5.1             6.1           5.1                    7.4
  $ 35001 -  40000     5.8             8.0           6.6                    9.5
  $ 40001 -  45000     5.9             9.4           8.8                    9.6
  $ 45001 -  50000     4.2             7.4           7.7                    6.4
  $ 50001 -  75000     9.5            21.1          24.2                   15.0
  $ 75001 - 100000     2.0             6.2          10.1                    2.8
  $100001 - 250000     2.1             9.2          16.0                    4.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,251           $17                   0.46
  $  5001 -  10000                  $7,546          $247                   1.10
  $ 10001 -  15000                 $12,458          $559                   1.64
  $ 15001 -  20000                 $17,390        $1,027                   2.05
  $ 20001 -  25000                 $22,489        $1,618                   2.13
  $ 25001 -  30000                 $27,395        $2,108                   2.60
  $ 30001 -  35000                 $32,314        $2,424                   3.20
  $ 35001 -  40000                 $37,430        $2,802                   3.61
  $ 40001 -  45000                 $42,496        $3,585                   3.54
  $ 45001 -  50000                 $47,678        $4,518                   3.39
  $ 50001 -  75000                 $59,469        $6,179                   3.45
  $ 75001 - 100000                 $83,652       $12,438                   3.10
  $100001 - 250000                $119,216       $18,706                   4.27

                    ______________________________________________________________
  TOTAL                            $26,828        $2,432                   2.20
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      KANAB UT
                        _________________________________________________
  UNDER $1              27       $-831,623          $422     -0.05           50
  $     1  -  5000     309        $800,866        $5,702      0.71          183
  $  5001 -  10000     190      $1,407,372       $31,072      2.21          252
  $ 10001 -  15000     206      $2,601,641       $99,518      3.83          381
  $ 15001 -  20000     150      $2,633,842      $141,059      5.36          316
  $ 20001 -  25000     122      $2,751,105      $172,579      6.27          315
  $ 25001 -  30000     103      $2,788,382      $190,038      6.82          305
  $ 30001 -  35000      86      $2,782,952      $219,220      7.88          245
  $ 35001 -  40000      68      $2,546,813      $214,450      8.42          213
  $ 40001 -  45000      70      $2,961,199      $272,118      9.19          225
  $ 45001 -  50000      45      $2,132,082      $190,132      8.92          166
  $ 50001 -  75000     128      $7,608,099      $771,889     10.15          494
  $ 75001 - 100000      37      $3,170,062      $442,467     13.96          139
  OVER $100,000         28      $4,980,157    $1,152,345     23.14           90

                    ______________________________________________________________
  TOTAL               1569     $38,332,949    $3,903,011     10.18         3374
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.7            -2.2           0.0                    1.5
  $     1  -  5000    19.7             2.1           0.1                    5.4
  $  5001 -  10000    12.1             3.7           0.8                    7.5
  $ 10001 -  15000    13.1             6.8           2.5                   11.3
  $ 15001 -  20000     9.6             6.9           3.6                    9.4
  $ 20001 -  25000     7.8             7.2           4.4                    9.3
  $ 25001 -  30000     6.6             7.3           4.9                    9.0
  $ 30001 -  35000     5.5             7.3           5.6                    7.3
  $ 35001 -  40000     4.3             6.6           5.5                    6.3
  $ 40001 -  45000     4.5             7.7           7.0                    6.7
  $ 45001 -  50000     2.9             5.6           4.9                    4.9
  $ 50001 -  75000     8.2            19.8          19.8                   14.6
  $ 75001 - 100000     2.4             8.3          11.3                    4.1
  OVER $100,000        1.8            13.0          29.5                    2.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-30,801           $16                   1.85
  $     1  -  5000                  $2,592           $18                   0.59
  $  5001 -  10000                  $7,407          $164                   1.33
  $ 10001 -  15000                 $12,629          $483                   1.85
  $ 15001 -  20000                 $17,559          $940                   2.11
  $ 20001 -  25000                 $22,550        $1,415                   2.58
  $ 25001 -  30000                 $27,072        $1,845                   2.96
  $ 30001 -  35000                 $32,360        $2,549                   2.85
  $ 35001 -  40000                 $37,453        $3,154                   3.13
  $ 40001 -  45000                 $42,303        $3,887                   3.21
  $ 45001 -  50000                 $47,380        $4,225                   3.69
  $ 50001 -  75000                 $59,438        $6,030                   3.86
  $ 75001 - 100000                 $85,677       $11,959                   3.76
  OVER $100,000                   $177,863       $41,155                   3.21

                    ______________________________________________________________
  TOTAL                            $24,431        $2,488                   2.15
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      KAYSVILLE UT
                        _________________________________________________
  UNDER $1              16        $-55,810            $0      0.00           35
  $     1  -  5000    1242      $3,164,331       $32,944      1.04          311
  $  5001 -  10000     728      $5,320,012      $213,844      4.02          524
  $ 10001 -  15000     547      $6,807,991      $364,763      5.36          749
  $ 15001 -  20000     435      $7,574,908      $492,806      6.51          783
  $ 20001 -  25000     445      $9,982,045      $689,542      6.91          986
  $ 25001 -  30000     376     $10,327,010      $779,092      7.54          959
  $ 30001 -  35000     358     $11,654,362      $876,637      7.52         1052
  $ 35001 -  40000     360     $13,527,730    $1,070,894      7.92         1200
  $ 40001 -  45000     367     $15,579,271    $1,258,411      8.08         1328
  $ 45001 -  50000     354     $16,795,047    $1,380,720      8.22         1384
  $ 50001 -  75000    1384     $84,488,475    $7,859,900      9.30         5720
  $ 75001 - 100000     549     $46,612,102    $5,564,768     11.94         2292
  $100001 - 250000     317     $42,621,653    $7,204,050     16.90         1335
  OVER $250,000         57     $30,395,623    $8,629,162     28.39          243

                    ______________________________________________________________
  TOTAL               7535    $304,794,750   $36,417,533     11.95        18901
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.2            -0.0           0.0                    0.2
  $     1  -  5000    16.5             1.0           0.1                    1.6
  $  5001 -  10000     9.7             1.7           0.6                    2.8
  $ 10001 -  15000     7.3             2.2           1.0                    4.0
  $ 15001 -  20000     5.8             2.5           1.4                    4.1
  $ 20001 -  25000     5.9             3.3           1.9                    5.2
  $ 25001 -  30000     5.0             3.4           2.1                    5.1
  $ 30001 -  35000     4.8             3.8           2.4                    5.6
  $ 35001 -  40000     4.8             4.4           2.9                    6.3
  $ 40001 -  45000     4.9             5.1           3.5                    7.0
  $ 45001 -  50000     4.7             5.5           3.8                    7.3
  $ 50001 -  75000    18.4            27.7          21.6                   30.3
  $ 75001 - 100000     7.3            15.3          15.3                   12.1
  $100001 - 250000     4.2            14.0          19.8                    7.1
  OVER $250,000        0.8            10.0          23.7                    1.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-3,488            $0                   2.19
  $     1  -  5000                  $2,548           $27                   0.25
  $  5001 -  10000                  $7,308          $294                   0.72
  $ 10001 -  15000                 $12,446          $667                   1.37
  $ 15001 -  20000                 $17,414        $1,133                   1.80
  $ 20001 -  25000                 $22,432        $1,550                   2.22
  $ 25001 -  30000                 $27,465        $2,072                   2.55
  $ 30001 -  35000                 $32,554        $2,449                   2.94
  $ 35001 -  40000                 $37,577        $2,975                   3.33
  $ 40001 -  45000                 $42,450        $3,429                   3.62
  $ 45001 -  50000                 $47,444        $3,900                   3.91
  $ 50001 -  75000                 $61,047        $5,679                   4.13
  $ 75001 - 100000                 $84,904       $10,136                   4.17
  $100001 - 250000                $134,453       $22,726                   4.21
  OVER $250,000                   $533,257      $151,389                   4.26

                    ______________________________________________________________
  TOTAL                            $40,451        $4,833                   2.51
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      KEARNS UT
                        _________________________________________________
  UNDER $1              22       $-100,738        $1,760     -1.75           39
  $     1  -  5000    1337      $3,539,829       $12,695      0.36          941
  $  5001 -  10000    1349     $10,087,700      $255,632      2.53         1813
  $ 10001 -  15000    1439     $18,016,668      $778,845      4.32         2546
  $ 15001 -  20000    1329     $23,201,715    $1,345,320      5.80         2749
  $ 20001 -  25000    1076     $24,090,460    $1,612,289      6.69         2635
  $ 25001 -  30000     978     $26,838,547    $1,928,378      7.19         2733
  $ 30001 -  35000     806     $26,188,531    $1,983,635      7.57         2558
  $ 35001 -  40000     791     $29,647,402    $2,335,887      7.88         2824
  $ 40001 -  45000     739     $31,331,203    $2,732,745      8.72         2555
  $ 45001 -  50000     565     $26,756,169    $2,427,878      9.07         2038
  $ 50001 -  75000    1118     $65,703,300    $6,771,248     10.31         4150
  $ 75001 - 100000     116      $9,605,863    $1,333,130     13.88          419
  OVER $100,000         36      $5,054,170      $971,282     19.22          126

                    ______________________________________________________________
  TOTAL              11701    $299,960,819   $24,490,724      8.16        28126
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.2            -0.0           0.0                    0.1
  $     1  -  5000    11.4             1.2           0.1                    3.3
  $  5001 -  10000    11.5             3.4           1.0                    6.4
  $ 10001 -  15000    12.3             6.0           3.2                    9.1
  $ 15001 -  20000    11.4             7.7           5.5                    9.8
  $ 20001 -  25000     9.2             8.0           6.6                    9.4
  $ 25001 -  30000     8.4             8.9           7.9                    9.7
  $ 30001 -  35000     6.9             8.7           8.1                    9.1
  $ 35001 -  40000     6.8             9.9           9.5                   10.0
  $ 40001 -  45000     6.3            10.4          11.2                    9.1
  $ 45001 -  50000     4.8             8.9           9.9                    7.2
  $ 50001 -  75000     9.6            21.9          27.6                   14.8
  $ 75001 - 100000     1.0             3.2           5.4                    1.5
  OVER $100,000        0.3             1.7           4.0                    0.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-4,579           $80                   1.77
  $     1  -  5000                  $2,648            $9                   0.70
  $  5001 -  10000                  $7,478          $189                   1.34
  $ 10001 -  15000                 $12,520          $541                   1.77
  $ 15001 -  20000                 $17,458        $1,012                   2.07
  $ 20001 -  25000                 $22,389        $1,498                   2.45
  $ 25001 -  30000                 $27,442        $1,972                   2.79
  $ 30001 -  35000                 $32,492        $2,461                   3.17
  $ 35001 -  40000                 $37,481        $2,953                   3.57
  $ 40001 -  45000                 $42,397        $3,698                   3.46
  $ 45001 -  50000                 $47,356        $4,297                   3.61
  $ 50001 -  75000                 $58,769        $6,057                   3.71
  $ 75001 - 100000                 $82,809       $11,493                   3.61
  OVER $100,000                   $140,394       $26,980                   3.50

                    ______________________________________________________________
  TOTAL                            $25,635        $2,093                   2.40
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      LAVERKIN UT
                        _________________________________________________
  UNDER $ 5,000        178        $445,289        $1,277      0.29          193
  $  5001 -  10000     163      $1,207,474       $17,506      1.45          291
  $ 10001 -  15000     126      $1,586,138       $53,643      3.38          263
  $ 15001 -  20000     124      $2,175,521       $95,943      4.41          317
  $ 20001 -  25000      90      $2,017,501      $113,651      5.63          254
  $ 25001 -  30000      76      $2,098,225      $125,997      6.00          260
  $ 30001 -  35000      76      $2,477,001      $166,160      6.71          281
  $ 35001 -  40000      47      $1,747,176      $137,167      7.85          151
  $ 40001 -  45000      56      $2,360,995      $198,075      8.39          202
  $ 45001 -  50000      33      $1,567,177      $145,609      9.29          126
  $ 50001 -  75000      61      $3,539,461      $334,056      9.44          223
  $ 75001 - 250000      27      $2,848,313      $456,153     16.01           93

                    ______________________________________________________________
  TOTAL               1057     $24,070,271    $1,845,237      7.67         2654
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       16.8             1.8           0.1                    7.3
  $  5001 -  10000    15.4             5.0           0.9                   11.0
  $ 10001 -  15000    11.9             6.6           2.9                    9.9
  $ 15001 -  20000    11.7             9.0           5.2                   11.9
  $ 20001 -  25000     8.5             8.4           6.2                    9.6
  $ 25001 -  30000     7.2             8.7           6.8                    9.8
  $ 30001 -  35000     7.2            10.3           9.0                   10.6
  $ 35001 -  40000     4.4             7.3           7.4                    5.7
  $ 40001 -  45000     5.3             9.8          10.7                    7.6
  $ 45001 -  50000     3.1             6.5           7.9                    4.7
  $ 50001 -  75000     5.8            14.7          18.1                    8.4
  $ 75001 - 250000     2.6            11.8          24.7                    3.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,502            $7                   1.08
  $  5001 -  10000                  $7,408          $107                   1.79
  $ 10001 -  15000                 $12,588          $426                   2.09
  $ 15001 -  20000                 $17,545          $774                   2.56
  $ 20001 -  25000                 $22,417        $1,263                   2.82
  $ 25001 -  30000                 $27,608        $1,658                   3.42
  $ 30001 -  35000                 $32,592        $2,186                   3.70
  $ 35001 -  40000                 $37,174        $2,918                   3.21
  $ 40001 -  45000                 $42,161        $3,537                   3.61
  $ 45001 -  50000                 $47,490        $4,412                   3.82
  $ 50001 -  75000                 $58,024        $5,476                   3.66
  $ 75001 - 250000                $105,493       $16,895                   3.44

                    ______________________________________________________________
  TOTAL                            $22,772        $1,746                   2.51
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      LAYTON UT
                        _________________________________________________
  UNDER $1              55       $-892,002          $811     -0.09          104
  $     1  -  5000    2749      $7,132,714       $61,574      0.86         1231
  $  5001 -  10000    2089     $15,395,706      $502,835      3.27         2094
  $ 10001 -  15000    1882     $23,455,312    $1,202,213      5.13         2830
  $ 15001 -  20000    1694     $29,556,379    $1,865,829      6.31         3156
  $ 20001 -  25000    1544     $34,562,878    $2,451,617      7.09         3384
  $ 25001 -  30000    1313     $36,102,509    $2,794,834      7.74         3202
  $ 30001 -  35000    1228     $39,845,953    $3,262,105      8.19         3384
  $ 35001 -  40000    1192     $44,665,445    $3,856,291      8.63         3576
  $ 40001 -  45000    1129     $47,963,747    $4,293,187      8.95         3632
  $ 45001 -  50000     979     $46,461,704    $4,242,308      9.13         3432
  $ 50001 -  75000    3437    $208,483,845   $21,358,846     10.24        12425
  $ 75001 - 100000    1158     $98,245,816   $12,623,185     12.85         4324
  $100001 - 250000     628     $84,508,141   $14,646,109     17.33         2380
  OVER $250,000         92     $62,852,555   $16,911,379     26.91          379

                    ______________________________________________________________
  TOTAL              21169    $778,340,702   $90,073,123     11.57        49533
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.3            -0.1           0.0                    0.2
  $     1  -  5000    13.0             0.9           0.1                    2.5
  $  5001 -  10000     9.9             2.0           0.6                    4.2
  $ 10001 -  15000     8.9             3.0           1.3                    5.7
  $ 15001 -  20000     8.0             3.8           2.1                    6.4
  $ 20001 -  25000     7.3             4.4           2.7                    6.8
  $ 25001 -  30000     6.2             4.6           3.1                    6.5
  $ 30001 -  35000     5.8             5.1           3.6                    6.8
  $ 35001 -  40000     5.6             5.7           4.3                    7.2
  $ 40001 -  45000     5.3             6.2           4.8                    7.3
  $ 45001 -  50000     4.6             6.0           4.7                    6.9
  $ 50001 -  75000    16.2            26.8          23.7                   25.1
  $ 75001 - 100000     5.5            12.6          14.0                    8.7
  $100001 - 250000     3.0            10.9          16.3                    4.8
  OVER $250,000        0.4             8.1          18.8                    0.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-16,218           $15                   1.89
  $     1  -  5000                  $2,595           $22                   0.45
  $  5001 -  10000                  $7,370          $241                   1.00
  $ 10001 -  15000                 $12,463          $639                   1.50
  $ 15001 -  20000                 $17,448        $1,101                   1.86
  $ 20001 -  25000                 $22,385        $1,588                   2.19
  $ 25001 -  30000                 $27,496        $2,129                   2.44
  $ 30001 -  35000                 $32,448        $2,656                   2.76
  $ 35001 -  40000                 $37,471        $3,235                   3.00
  $ 40001 -  45000                 $42,483        $3,803                   3.22
  $ 45001 -  50000                 $47,458        $4,333                   3.51
  $ 50001 -  75000                 $60,659        $6,214                   3.62
  $ 75001 - 100000                 $84,841       $10,901                   3.73
  $100001 - 250000                $134,567       $23,322                   3.79
  OVER $250,000                   $683,180      $183,819                   4.12

                    ______________________________________________________________
  TOTAL                            $36,768        $4,255                   2.34
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      LEHI UT
                        _________________________________________________
  UNDER $1              28       $-318,229        $1,123     -0.35           70
  $     1  -  5000     723      $1,904,610       $15,268      0.80          293
  $  5001 -  10000     576      $4,250,734      $131,594      3.10          608
  $ 10001 -  15000     474      $5,935,664      $284,013      4.78          789
  $ 15001 -  20000     396      $6,949,866      $397,164      5.71          847
  $ 20001 -  25000     363      $8,179,745      $511,985      6.26          932
  $ 25001 -  30000     358      $9,927,190      $679,970      6.85         1054
  $ 30001 -  35000     349     $11,368,988      $822,296      7.23         1170
  $ 35001 -  40000     396     $14,833,682    $1,138,825      7.68         1369
  $ 40001 -  45000     334     $14,177,019    $1,130,658      7.98         1225
  $ 45001 -  50000     350     $16,638,407    $1,344,843      8.08         1366
  $ 50001 -  75000     885     $53,068,243    $4,990,975      9.40         3523
  $ 75001 - 100000     217     $18,220,272    $2,210,921     12.13          927
  $100001 - 250000     108     $15,008,430    $2,700,714     17.99          450
  OVER $250,000         22      $8,612,934    $2,292,873     26.62           67

                    ______________________________________________________________
  TOTAL               5579    $188,757,555   $18,653,222      9.88        14690
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.2           0.0                    0.5
  $     1  -  5000    13.0             1.0           0.1                    2.0
  $  5001 -  10000    10.3             2.3           0.7                    4.1
  $ 10001 -  15000     8.5             3.1           1.5                    5.4
  $ 15001 -  20000     7.1             3.7           2.1                    5.8
  $ 20001 -  25000     6.5             4.3           2.7                    6.3
  $ 25001 -  30000     6.4             5.3           3.6                    7.2
  $ 30001 -  35000     6.3             6.0           4.4                    8.0
  $ 35001 -  40000     7.1             7.9           6.1                    9.3
  $ 40001 -  45000     6.0             7.5           6.1                    8.3
  $ 45001 -  50000     6.3             8.8           7.2                    9.3
  $ 50001 -  75000    15.9            28.1          26.8                   24.0
  $ 75001 - 100000     3.9             9.7          11.9                    6.3
  $100001 - 250000     1.9             8.0          14.5                    3.1
  OVER $250,000        0.4             4.6          12.3                    0.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-11,365           $40                   2.50
  $     1  -  5000                  $2,634           $21                   0.41
  $  5001 -  10000                  $7,380          $228                   1.06
  $ 10001 -  15000                 $12,522          $599                   1.66
  $ 15001 -  20000                 $17,550        $1,003                   2.14
  $ 20001 -  25000                 $22,534        $1,410                   2.57
  $ 25001 -  30000                 $27,730        $1,899                   2.94
  $ 30001 -  35000                 $32,576        $2,356                   3.35
  $ 35001 -  40000                 $37,459        $2,876                   3.46
  $ 40001 -  45000                 $42,446        $3,385                   3.67
  $ 45001 -  50000                 $47,538        $3,842                   3.90
  $ 50001 -  75000                 $59,964        $5,640                   3.98
  $ 75001 - 100000                 $83,964       $10,189                   4.27
  $100001 - 250000                $138,967       $25,007                   4.17
  OVER $250,000                   $391,497      $104,222                   3.05

                    ______________________________________________________________
  TOTAL                            $33,834        $3,343                   2.63
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      LINDON UT
                        _________________________________________________
  UNDER $1              12        $-55,764            $0      0.00           18
  $     1  -  5000     390        $968,932       $13,290      1.37          126
  $  5001 -  10000     258      $1,849,024       $69,643      3.77          190
  $ 10001 -  15000     165      $2,065,292      $109,906      5.32          232
  $ 15001 -  20000     137      $2,368,592      $147,421      6.22          266
  $ 20001 -  25000     114      $2,539,010      $145,645      5.74          307
  $ 25001 -  30000      90      $2,474,956      $159,222      6.43          278
  $ 30001 -  35000      87      $2,806,921      $167,999      5.99          318
  $ 35001 -  40000      91      $3,419,701      $220,743      6.46          365
  $ 40001 -  45000      84      $3,575,045      $263,681      7.38          337
  $ 45001 -  50000      96      $4,569,790      $358,939      7.85          369
  $ 50001 -  75000     359     $22,044,564    $1,896,798      8.60         1624
  $ 75001 - 100000     163     $13,846,069    $1,602,883     11.58          730
  $100001 - 250000     161     $23,480,847    $3,852,944     16.41          798
  OVER $250,000         18      $7,221,175    $1,877,980     26.01           84

                    ______________________________________________________________
  TOTAL               2225     $93,174,154   $10,887,094     11.68         6042
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.1           0.0                    0.3
  $     1  -  5000    17.5             1.0           0.1                    2.1
  $  5001 -  10000    11.6             2.0           0.6                    3.1
  $ 10001 -  15000     7.4             2.2           1.0                    3.8
  $ 15001 -  20000     6.2             2.5           1.4                    4.4
  $ 20001 -  25000     5.1             2.7           1.3                    5.1
  $ 25001 -  30000     4.0             2.7           1.5                    4.6
  $ 30001 -  35000     3.9             3.0           1.5                    5.3
  $ 35001 -  40000     4.1             3.7           2.0                    6.0
  $ 40001 -  45000     3.8             3.8           2.4                    5.6
  $ 45001 -  50000     4.3             4.9           3.3                    6.1
  $ 50001 -  75000    16.1            23.7          17.4                   26.9
  $ 75001 - 100000     7.3            14.9          14.7                   12.1
  $100001 - 250000     7.2            25.2          35.4                   13.2
  OVER $250,000        0.8             7.8          17.2                    1.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-4,647            $0                   1.50
  $     1  -  5000                  $2,484           $34                   0.32
  $  5001 -  10000                  $7,167          $270                   0.74
  $ 10001 -  15000                 $12,517          $666                   1.41
  $ 15001 -  20000                 $17,289        $1,076                   1.94
  $ 20001 -  25000                 $22,272        $1,278                   2.69
  $ 25001 -  30000                 $27,500        $1,769                   3.09
  $ 30001 -  35000                 $32,263        $1,931                   3.66
  $ 35001 -  40000                 $37,579        $2,426                   4.01
  $ 40001 -  45000                 $42,560        $3,139                   4.01
  $ 45001 -  50000                 $47,602        $3,739                   3.84
  $ 50001 -  75000                 $61,405        $5,284                   4.52
  $ 75001 - 100000                 $84,945        $9,834                   4.48
  $100001 - 250000                $145,844       $23,931                   4.96
  OVER $250,000                   $401,176      $104,332                   4.67

                    ______________________________________________________________
  TOTAL                            $41,876        $4,893                   2.72
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      LOGAN UT
                        _________________________________________________
  UNDER $1             102       $-850,007        $2,712     -0.32          143
  $     1  -  5000    2419      $6,613,641       $67,678      1.02         1499
  $  5001 -  10000    2545     $18,811,276      $513,853      2.73         2924
  $ 10001 -  15000    2106     $26,225,844    $1,187,376      4.53         3522
  $ 15001 -  20000    1877     $32,660,303    $1,869,859      5.73         3809
  $ 20001 -  25000    1373     $30,664,144    $2,109,170      6.88         3253
  $ 25001 -  30000    1040     $28,512,865    $2,185,359      7.66         2676
  $ 30001 -  35000     843     $27,342,879    $2,324,975      8.50         2264
  $ 35001 -  40000     696     $26,047,461    $2,344,809      9.00         2013
  $ 40001 -  45000     556     $23,604,134    $2,162,976      9.16         1826
  $ 45001 -  50000     433     $20,569,182    $1,897,026      9.22         1502
  $ 50001 -  75000    1277     $77,018,020    $8,319,582     10.80         4374
  $ 75001 - 100000     500     $42,660,486    $5,881,160     13.79         1715
  $100001 - 250000     387     $53,821,862    $9,740,832     18.10         1370
  OVER $250,000         50     $26,168,720    $7,160,927     27.36          182

                    ______________________________________________________________
  TOTAL              16204    $439,870,810   $47,768,294     10.86        33072
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.2           0.0                    0.4
  $     1  -  5000    14.9             1.5           0.1                    4.5
  $  5001 -  10000    15.7             4.3           1.1                    8.8
  $ 10001 -  15000    13.0             6.0           2.5                   10.6
  $ 15001 -  20000    11.6             7.4           3.9                   11.5
  $ 20001 -  25000     8.5             7.0           4.4                    9.8
  $ 25001 -  30000     6.4             6.5           4.6                    8.1
  $ 30001 -  35000     5.2             6.2           4.9                    6.8
  $ 35001 -  40000     4.3             5.9           4.9                    6.1
  $ 40001 -  45000     3.4             5.4           4.5                    5.5
  $ 45001 -  50000     2.7             4.7           4.0                    4.5
  $ 50001 -  75000     7.9            17.5          17.4                   13.2
  $ 75001 - 100000     3.1             9.7          12.3                    5.2
  $100001 - 250000     2.4            12.2          20.4                    4.1
  OVER $250,000        0.3             5.9          15.0                    0.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-8,333           $27                   1.40
  $     1  -  5000                  $2,734           $28                   0.62
  $  5001 -  10000                  $7,391          $202                   1.15
  $ 10001 -  15000                 $12,453          $564                   1.67
  $ 15001 -  20000                 $17,400          $996                   2.03
  $ 20001 -  25000                 $22,334        $1,536                   2.37
  $ 25001 -  30000                 $27,416        $2,101                   2.57
  $ 30001 -  35000                 $32,435        $2,758                   2.69
  $ 35001 -  40000                 $37,425        $3,369                   2.89
  $ 40001 -  45000                 $42,453        $3,890                   3.28
  $ 45001 -  50000                 $47,504        $4,381                   3.47
  $ 50001 -  75000                 $60,312        $6,515                   3.43
  $ 75001 - 100000                 $85,321       $11,762                   3.43
  $100001 - 250000                $139,075       $25,170                   3.54
  OVER $250,000                   $523,374      $143,219                   3.64

                    ______________________________________________________________
  TOTAL                            $27,146        $2,948                   2.04
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      MAGNA UT
                        _________________________________________________
  UNDER $1              16       $-525,439        $4,603     -0.88           32
  $     1  -  5000     967      $2,473,016        $8,539      0.35          618
  $  5001 -  10000     820      $6,100,862      $162,267      2.66         1052
  $ 10001 -  15000     849     $10,605,364      $458,818      4.33         1514
  $ 15001 -  20000     857     $14,957,822      $873,182      5.84         1810
  $ 20001 -  25000     744     $16,702,121    $1,116,728      6.69         1832
  $ 25001 -  30000     678     $18,666,132    $1,347,056      7.22         1945
  $ 30001 -  35000     646     $21,010,347    $1,653,628      7.87         2014
  $ 35001 -  40000     549     $20,542,536    $1,737,998      8.46         1739
  $ 40001 -  45000     486     $20,594,942    $1,804,072      8.76         1703
  $ 45001 -  50000     362     $17,113,776    $1,580,713      9.24         1319
  $ 50001 -  75000     839     $49,249,241    $5,138,456     10.43         3077
  $ 75001 - 100000     101      $8,563,267    $1,224,941     14.30          357
  OVER $100,000         28      $3,816,394      $743,905     19.49           91

                    ______________________________________________________________
  TOTAL               7942    $209,870,381   $17,854,906      8.51        19103
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.2            -0.3           0.0                    0.2
  $     1  -  5000    12.2             1.2           0.0                    3.2
  $  5001 -  10000    10.3             2.9           0.9                    5.5
  $ 10001 -  15000    10.7             5.1           2.6                    7.9
  $ 15001 -  20000    10.8             7.1           4.9                    9.5
  $ 20001 -  25000     9.4             8.0           6.3                    9.6
  $ 25001 -  30000     8.5             8.9           7.5                   10.2
  $ 30001 -  35000     8.1            10.0           9.3                   10.5
  $ 35001 -  40000     6.9             9.8           9.7                    9.1
  $ 40001 -  45000     6.1             9.8          10.1                    8.9
  $ 45001 -  50000     4.6             8.2           8.9                    6.9
  $ 50001 -  75000    10.6            23.5          28.8                   16.1
  $ 75001 - 100000     1.3             4.1           6.9                    1.9
  OVER $100,000        0.4             1.8           4.2                    0.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-32,840          $288                   2.00
  $     1  -  5000                  $2,557            $9                   0.64
  $  5001 -  10000                  $7,440          $198                   1.28
  $ 10001 -  15000                 $12,492          $540                   1.78
  $ 15001 -  20000                 $17,454        $1,019                   2.11
  $ 20001 -  25000                 $22,449        $1,501                   2.46
  $ 25001 -  30000                 $27,531        $1,987                   2.87
  $ 30001 -  35000                 $32,524        $2,560                   3.12
  $ 35001 -  40000                 $37,418        $3,166                   3.17
  $ 40001 -  45000                 $42,376        $3,712                   3.50
  $ 45001 -  50000                 $47,276        $4,367                   3.64
  $ 50001 -  75000                 $58,700        $6,125                   3.67
  $ 75001 - 100000                 $84,785       $12,128                   3.53
  OVER $100,000                   $136,300       $26,568                   3.25

                    ______________________________________________________________
  TOTAL                            $26,425        $2,248                   2.41
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      MANTI UT
                        _________________________________________________
  UNDER $1              11       $-217,356            $0      0.00           16
  $     1  -  5000     192        $507,112        $5,795      1.14          146
  $  5001 -  10000     129        $958,264       $22,587      2.36          219
  $ 10001 -  15000     101      $1,252,334       $36,979      2.95          240
  $ 15001 -  20000      88      $1,509,649       $62,212      4.12          226
  $ 20001 -  25000      70      $1,569,785       $84,774      5.40          217
  $ 25001 -  30000      79      $2,167,806      $122,028      5.63          298
  $ 30001 -  35000      56      $1,809,633      $130,848      7.23          195
  $ 35001 -  40000      47      $1,763,189      $127,982      7.26          193
  $ 40001 -  45000      37      $1,573,548      $133,659      8.49          128
  $ 45001 -  50000      25      $1,192,233      $111,826      9.38           95
  $ 50001 -  75000      73      $4,345,201      $421,877      9.71          313
  $ 75001 - 100000      14      $1,205,703      $167,284     13.87           56
  OVER $100,000         15      $2,696,063      $409,369     15.18           57

                    ______________________________________________________________
  TOTAL                937     $22,333,164    $1,837,220      8.23         2399
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.2            -1.0           0.0                    0.7
  $     1  -  5000    20.5             2.3           0.3                    6.1
  $  5001 -  10000    13.8             4.3           1.2                    9.1
  $ 10001 -  15000    10.8             5.6           2.0                   10.0
  $ 15001 -  20000     9.4             6.8           3.4                    9.4
  $ 20001 -  25000     7.5             7.0           4.6                    9.0
  $ 25001 -  30000     8.4             9.7           6.6                   12.4
  $ 30001 -  35000     6.0             8.1           7.1                    8.1
  $ 35001 -  40000     5.0             7.9           7.0                    8.0
  $ 40001 -  45000     3.9             7.0           7.3                    5.3
  $ 45001 -  50000     2.7             5.3           6.1                    4.0
  $ 50001 -  75000     7.8            19.5          23.0                   13.0
  $ 75001 - 100000     1.5             5.4           9.1                    2.3
  OVER $100,000        1.6            12.1          22.3                    2.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-19,760            $0                   1.45
  $     1  -  5000                  $2,641           $30                   0.76
  $  5001 -  10000                  $7,428          $175                   1.70
  $ 10001 -  15000                 $12,399          $366                   2.38
  $ 15001 -  20000                 $17,155          $707                   2.57
  $ 20001 -  25000                 $22,426        $1,211                   3.10
  $ 25001 -  30000                 $27,441        $1,545                   3.77
  $ 30001 -  35000                 $32,315        $2,337                   3.48
  $ 35001 -  40000                 $37,515        $2,723                   4.11
  $ 40001 -  45000                 $42,528        $3,612                   3.46
  $ 45001 -  50000                 $47,689        $4,473                   3.80
  $ 50001 -  75000                 $59,523        $5,779                   4.29
  $ 75001 - 100000                 $86,122       $11,949                   4.00
  OVER $100,000                   $179,738       $27,291                   3.80

                    ______________________________________________________________
  TOTAL                            $23,835        $1,961                   2.56
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      MAPLETON UT
                        _________________________________________________
  UNDER $1              18       $-416,932        $1,000     -0.24           56
  $     1  -  5000     314        $795,316       $10,381      1.31           96
  $  5001 -  10000     219      $1,568,666       $63,642      4.06          169
  $ 10001 -  15000     153      $1,907,873       $83,920      4.40          271
  $ 15001 -  20000     110      $1,916,862       $97,827      5.10          247
  $ 20001 -  25000      95      $2,110,091      $141,623      6.71          228
  $ 25001 -  30000      75      $2,034,167      $147,251      7.24          210
  $ 30001 -  35000      80      $2,595,947      $222,714      8.58          230
  $ 35001 -  40000      76      $2,855,599      $199,459      6.98          296
  $ 40001 -  45000      92      $3,904,881      $288,969      7.40          363
  $ 45001 -  50000      79      $3,769,487      $281,348      7.46          327
  $ 50001 -  75000     284     $17,472,973    $1,610,136      9.22         1244
  $ 75001 - 100000      87      $7,491,711      $868,231     11.59          381
  $100001 - 250000      83     $11,657,582    $1,981,862     17.00          371
  OVER $250,000         15      $8,836,675    $2,423,383     27.42           61

                    ______________________________________________________________
  TOTAL               1780     $68,500,898    $8,421,746     12.29         4550
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.0            -0.6           0.0                    1.2
  $     1  -  5000    17.6             1.2           0.1                    2.1
  $  5001 -  10000    12.3             2.3           0.8                    3.7
  $ 10001 -  15000     8.6             2.8           1.0                    6.0
  $ 15001 -  20000     6.2             2.8           1.2                    5.4
  $ 20001 -  25000     5.3             3.1           1.7                    5.0
  $ 25001 -  30000     4.2             3.0           1.7                    4.6
  $ 30001 -  35000     4.5             3.8           2.6                    5.1
  $ 35001 -  40000     4.3             4.2           2.4                    6.5
  $ 40001 -  45000     5.2             5.7           3.4                    8.0
  $ 45001 -  50000     4.4             5.5           3.3                    7.2
  $ 50001 -  75000    16.0            25.5          19.1                   27.3
  $ 75001 - 100000     4.9            10.9          10.3                    8.4
  $100001 - 250000     4.7            17.0          23.5                    8.2
  OVER $250,000        0.8            12.9          28.8                    1.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-23,163           $56                   3.11
  $     1  -  5000                  $2,533           $33                   0.31
  $  5001 -  10000                  $7,163          $291                   0.77
  $ 10001 -  15000                 $12,470          $548                   1.77
  $ 15001 -  20000                 $17,426          $889                   2.25
  $ 20001 -  25000                 $22,211        $1,491                   2.40
  $ 25001 -  30000                 $27,122        $1,963                   2.80
  $ 30001 -  35000                 $32,449        $2,784                   2.88
  $ 35001 -  40000                 $37,574        $2,624                   3.89
  $ 40001 -  45000                 $42,444        $3,141                   3.95
  $ 45001 -  50000                 $47,715        $3,561                   4.14
  $ 50001 -  75000                 $61,525        $5,669                   4.38
  $ 75001 - 100000                 $86,112        $9,980                   4.38
  $100001 - 250000                $140,453       $23,878                   4.47
  OVER $250,000                   $589,112      $161,559                   4.07

                    ______________________________________________________________
  TOTAL                            $38,484        $4,731                   2.56
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      MIDVALE UT
                        _________________________________________________
  UNDER $1              37       $-190,556        $7,130     -3.74           52
  $     1  -  5000    1166      $3,144,345       $21,241      0.68          842
  $  5001 -  10000    1386     $10,458,344      $263,193      2.52         1776
  $ 10001 -  15000    1404     $17,596,312      $813,087      4.62         2326
  $ 15001 -  20000    1429     $24,879,298    $1,691,103      6.80         2501
  $ 20001 -  25000    1134     $25,371,885    $1,967,094      7.75         2206
  $ 25001 -  30000     976     $26,792,184    $2,335,429      8.72         1956
  $ 30001 -  35000     786     $25,510,845    $2,343,254      9.19         1799
  $ 35001 -  40000     668     $24,994,461    $2,505,889     10.03         1525
  $ 40001 -  45000     574     $24,362,838    $2,589,067     10.63         1362
  $ 45001 -  50000     442     $20,978,633    $2,287,925     10.91         1133
  $ 50001 -  75000    1173     $70,685,587    $8,455,096     11.96         3279
  $ 75001 - 100000     308     $26,182,689    $3,928,751     15.01          860
  $100001 - 250000     165     $21,660,584    $4,007,779     18.50          439
  OVER $250,000         30     $16,014,401    $4,774,142     29.81           84

                    ______________________________________________________________
  TOTAL              11678    $338,441,850   $37,990,180     11.23        22140
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.3            -0.1           0.0                    0.2
  $     1  -  5000    10.0             0.9           0.1                    3.8
  $  5001 -  10000    11.9             3.1           0.7                    8.0
  $ 10001 -  15000    12.0             5.2           2.1                   10.5
  $ 15001 -  20000    12.2             7.4           4.5                   11.3
  $ 20001 -  25000     9.7             7.5           5.2                   10.0
  $ 25001 -  30000     8.4             7.9           6.1                    8.8
  $ 30001 -  35000     6.7             7.5           6.2                    8.1
  $ 35001 -  40000     5.7             7.4           6.6                    6.9
  $ 40001 -  45000     4.9             7.2           6.8                    6.2
  $ 45001 -  50000     3.8             6.2           6.0                    5.1
  $ 50001 -  75000    10.0            20.9          22.3                   14.8
  $ 75001 - 100000     2.6             7.7          10.3                    3.9
  $100001 - 250000     1.4             6.4          10.5                    2.0
  OVER $250,000        0.3             4.7          12.6                    0.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-5,150          $193                   1.41
  $     1  -  5000                  $2,697           $18                   0.72
  $  5001 -  10000                  $7,546          $190                   1.28
  $ 10001 -  15000                 $12,533          $579                   1.66
  $ 15001 -  20000                 $17,410        $1,183                   1.75
  $ 20001 -  25000                 $22,374        $1,735                   1.95
  $ 25001 -  30000                 $27,451        $2,393                   2.00
  $ 30001 -  35000                 $32,457        $2,981                   2.29
  $ 35001 -  40000                 $37,417        $3,751                   2.28
  $ 40001 -  45000                 $42,444        $4,511                   2.37
  $ 45001 -  50000                 $47,463        $5,176                   2.56
  $ 50001 -  75000                 $60,261        $7,208                   2.80
  $ 75001 - 100000                 $85,009       $12,756                   2.79
  $100001 - 250000                $131,276       $24,290                   2.66
  OVER $250,000                   $533,813      $159,138                   2.80

                    ______________________________________________________________
  TOTAL                            $28,981        $3,253                   1.90
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      MIDWAY UT
                        _________________________________________________
  UNDER $ 5,000        163        $273,567        $8,305      3.04           73
  $  5001 -  10000     102        $757,737       $26,023      3.43           98
  $ 10001 -  15000     104      $1,268,361       $60,875      4.80          165
  $ 15001 -  20000      75      $1,318,827       $69,312      5.26          153
  $ 20001 -  25000      58      $1,304,791       $94,529      7.24          116
  $ 25001 -  30000      61      $1,677,423      $121,704      7.26          147
  $ 30001 -  35000      48      $1,569,032      $110,333      7.03          134
  $ 35001 -  40000      45      $1,679,962      $127,793      7.61          155
  $ 40001 -  45000      43      $1,834,992      $149,392      8.14          146
  $ 45001 -  50000      45      $2,142,098      $176,734      8.25          171
  $ 50001 -  75000     120      $7,190,882      $719,492     10.01          452
  $ 75001 - 100000      50      $4,302,262      $530,530     12.33          197
  OVER $100,000         50     $10,488,945    $2,431,979     23.19          195

                    ______________________________________________________________
  TOTAL                964     $35,808,879    $4,627,001     12.92         2202
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       16.9             0.8           0.2                    3.3
  $  5001 -  10000    10.6             2.1           0.6                    4.5
  $ 10001 -  15000    10.8             3.5           1.3                    7.5
  $ 15001 -  20000     7.8             3.7           1.5                    6.9
  $ 20001 -  25000     6.0             3.6           2.0                    5.3
  $ 25001 -  30000     6.3             4.7           2.6                    6.7
  $ 30001 -  35000     5.0             4.4           2.4                    6.1
  $ 35001 -  40000     4.7             4.7           2.8                    7.0
  $ 40001 -  45000     4.5             5.1           3.2                    6.6
  $ 45001 -  50000     4.7             6.0           3.8                    7.8
  $ 50001 -  75000    12.4            20.1          15.5                   20.5
  $ 75001 - 100000     5.2            12.0          11.5                    8.9
  OVER $100,000        5.2            29.3          52.6                    8.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,678           $51                   0.45
  $  5001 -  10000                  $7,429          $255                   0.96
  $ 10001 -  15000                 $12,196          $585                   1.59
  $ 15001 -  20000                 $17,584          $924                   2.04
  $ 20001 -  25000                 $22,496        $1,630                   2.00
  $ 25001 -  30000                 $27,499        $1,995                   2.41
  $ 30001 -  35000                 $32,688        $2,299                   2.79
  $ 35001 -  40000                 $37,332        $2,840                   3.44
  $ 40001 -  45000                 $42,674        $3,474                   3.40
  $ 45001 -  50000                 $47,602        $3,927                   3.80
  $ 50001 -  75000                 $59,924        $5,996                   3.77
  $ 75001 - 100000                 $86,045       $10,611                   3.94
  OVER $100,000                   $209,779       $48,640                   3.90

                    ______________________________________________________________
  TOTAL                            $37,146        $4,800                   2.28
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      MOAB UT
                        _________________________________________________
  UNDER $1              26       $-705,363        $1,119     -0.16           48
  $     1  -  5000     498      $1,392,659        $7,156      0.51          412
  $  5001 -  10000     541      $4,034,710       $90,992      2.26          709
  $ 10001 -  15000     477      $5,917,272      $261,082      4.41          832
  $ 15001 -  20000     340      $5,947,738      $372,425      6.26          630
  $ 20001 -  25000     240      $5,353,055      $406,155      7.59          490
  $ 25001 -  30000     202      $5,512,911      $448,422      8.13          472
  $ 30001 -  35000     178      $5,769,837      $514,632      8.92          468
  $ 35001 -  40000     136      $5,071,285      $469,842      9.26          393
  $ 40001 -  45000     114      $4,832,065      $457,401      9.47          344
  $ 45001 -  50000      88      $4,166,163      $427,500     10.26          253
  $ 50001 -  75000     231     $13,780,685    $1,651,955     11.99          700
  $ 75001 - 100000      61      $5,196,162      $789,772     15.20          183
  OVER $100,000         59     $13,826,331    $3,540,028     25.60          184

                    ______________________________________________________________
  TOTAL               3191     $80,095,510    $9,438,481     11.78         6118
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.8            -0.9           0.0                    0.8
  $     1  -  5000    15.6             1.7           0.1                    6.7
  $  5001 -  10000    17.0             5.0           1.0                   11.6
  $ 10001 -  15000    14.9             7.4           2.8                   13.6
  $ 15001 -  20000    10.7             7.4           3.9                   10.3
  $ 20001 -  25000     7.5             6.7           4.3                    8.0
  $ 25001 -  30000     6.3             6.9           4.8                    7.7
  $ 30001 -  35000     5.6             7.2           5.5                    7.6
  $ 35001 -  40000     4.3             6.3           5.0                    6.4
  $ 40001 -  45000     3.6             6.0           4.8                    5.6
  $ 45001 -  50000     2.8             5.2           4.5                    4.1
  $ 50001 -  75000     7.2            17.2          17.5                   11.4
  $ 75001 - 100000     1.9             6.5           8.4                    3.0
  OVER $100,000        1.8            17.3          37.5                    3.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-27,129           $43                   1.85
  $     1  -  5000                  $2,797           $14                   0.83
  $  5001 -  10000                  $7,458          $168                   1.31
  $ 10001 -  15000                 $12,405          $547                   1.74
  $ 15001 -  20000                 $17,493        $1,095                   1.85
  $ 20001 -  25000                 $22,304        $1,692                   2.04
  $ 25001 -  30000                 $27,292        $2,220                   2.34
  $ 30001 -  35000                 $32,415        $2,891                   2.63
  $ 35001 -  40000                 $37,289        $3,455                   2.89
  $ 40001 -  45000                 $42,387        $4,012                   3.02
  $ 45001 -  50000                 $47,343        $4,858                   2.88
  $ 50001 -  75000                 $59,657        $7,151                   3.03
  $ 75001 - 100000                 $85,183       $12,947                   3.00
  OVER $100,000                   $234,345       $60,000                   3.12

                    ______________________________________________________________
  TOTAL                            $25,100        $2,958                   1.92
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      MONROE UT
                        _________________________________________________
  UNDER $1              15       $-312,146            $0      0.00           45
  $     1  -  5000     127        $351,367        $3,029      0.86           88
  $  5001 -  10000     119        $858,929       $17,643      2.05          158
  $ 10001 -  15000     109      $1,362,625       $40,201      2.95          243
  $ 15001 -  20000      81      $1,398,586       $52,243      3.74          214
  $ 20001 -  25000      68      $1,522,487       $80,861      5.31          199
  $ 25001 -  30000      50      $1,396,096      $107,090      7.67          138
  $ 30001 -  35000      43      $1,381,840      $106,365      7.70          138
  $ 35001 -  40000      45      $1,694,462      $141,069      8.33          158
  $ 40001 -  45000      41      $1,745,582      $163,083      9.34          129
  $ 45001 -  50000      29      $1,374,734      $120,537      8.77          110
  $ 50001 -  75000      96      $5,764,250      $599,716     10.40          366
  $ 75001 - 250000      23      $2,226,356      $321,047     14.42           90

                    ______________________________________________________________
  TOTAL                846     $20,765,168    $1,752,884      8.44         2076
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.8            -1.5           0.0                    2.2
  $     1  -  5000    15.0             1.7           0.2                    4.2
  $  5001 -  10000    14.1             4.1           1.0                    7.6
  $ 10001 -  15000    12.9             6.6           2.3                   11.7
  $ 15001 -  20000     9.6             6.7           3.0                   10.3
  $ 20001 -  25000     8.0             7.3           4.6                    9.6
  $ 25001 -  30000     5.9             6.7           6.1                    6.6
  $ 30001 -  35000     5.1             6.7           6.1                    6.6
  $ 35001 -  40000     5.3             8.2           8.0                    7.6
  $ 40001 -  45000     4.8             8.4           9.3                    6.2
  $ 45001 -  50000     3.4             6.6           6.9                    5.3
  $ 50001 -  75000    11.3            27.8          34.2                   17.6
  $ 75001 - 250000     2.7            10.7          18.3                    4.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-20,810            $0                   3.00
  $     1  -  5000                  $2,767           $24                   0.69
  $  5001 -  10000                  $7,218          $148                   1.33
  $ 10001 -  15000                 $12,501          $369                   2.23
  $ 15001 -  20000                 $17,266          $645                   2.64
  $ 20001 -  25000                 $22,390        $1,189                   2.93
  $ 25001 -  30000                 $27,922        $2,142                   2.76
  $ 30001 -  35000                 $32,136        $2,474                   3.21
  $ 35001 -  40000                 $37,655        $3,135                   3.51
  $ 40001 -  45000                 $42,575        $3,978                   3.15
  $ 45001 -  50000                 $47,405        $4,156                   3.79
  $ 50001 -  75000                 $60,044        $6,247                   3.81
  $ 75001 - 250000                 $96,798       $13,959                   3.91

                    ______________________________________________________________
  TOTAL                            $24,545        $2,072                   2.45
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      MONTICELLO UT
                        _________________________________________________
  UNDER $1              18       $-315,496            $0      0.00           41
  $     1  -  5000     190        $465,306        $3,266      0.70           90
  $  5001 -  10000      95        $706,206       $17,431      2.47          137
  $ 10001 -  15000      84      $1,058,838       $42,327      4.00          162
  $ 15001 -  20000      61      $1,078,504       $46,671      4.33          171
  $ 20001 -  25000      59      $1,309,151       $73,183      5.59          165
  $ 25001 -  30000      64      $1,770,563      $121,665      6.87          199
  $ 30001 -  35000      55      $1,788,532      $130,022      7.27          191
  $ 35001 -  40000      43      $1,625,463      $136,537      8.40          141
  $ 40001 -  45000      32      $1,375,326      $116,150      8.45          126
  $ 45001 -  50000      37      $1,754,008      $172,377      9.83          129
  $ 50001 -  75000      97      $5,795,003      $650,224     11.22          367
  $ 75001 - 100000      26      $2,148,255      $296,153     13.79           95
  OVER $100,000         15      $2,806,305      $603,288     21.50           41

                    ______________________________________________________________
  TOTAL                876     $23,365,964    $2,409,294     10.31         2055
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             2.1            -1.4           0.0                    2.0
  $     1  -  5000    21.7             2.0           0.1                    4.4
  $  5001 -  10000    10.8             3.0           0.7                    6.7
  $ 10001 -  15000     9.6             4.5           1.8                    7.9
  $ 15001 -  20000     7.0             4.6           1.9                    8.3
  $ 20001 -  25000     6.7             5.6           3.0                    8.0
  $ 25001 -  30000     7.3             7.6           5.0                    9.7
  $ 30001 -  35000     6.3             7.7           5.4                    9.3
  $ 35001 -  40000     4.9             7.0           5.7                    6.9
  $ 40001 -  45000     3.7             5.9           4.8                    6.1
  $ 45001 -  50000     4.2             7.5           7.2                    6.3
  $ 50001 -  75000    11.1            24.8          27.0                   17.9
  $ 75001 - 100000     3.0             9.2          12.3                    4.6
  OVER $100,000        1.7            12.0          25.0                    2.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-17,528            $0                   2.28
  $     1  -  5000                  $2,449           $17                   0.47
  $  5001 -  10000                  $7,434          $183                   1.44
  $ 10001 -  15000                 $12,605          $504                   1.93
  $ 15001 -  20000                 $17,680          $765                   2.80
  $ 20001 -  25000                 $22,189        $1,240                   2.80
  $ 25001 -  30000                 $27,665        $1,901                   3.11
  $ 30001 -  35000                 $32,519        $2,364                   3.47
  $ 35001 -  40000                 $37,801        $3,175                   3.28
  $ 40001 -  45000                 $42,979        $3,630                   3.94
  $ 45001 -  50000                 $47,406        $4,659                   3.49
  $ 50001 -  75000                 $59,742        $6,703                   3.78
  $ 75001 - 100000                 $82,625       $11,391                   3.65
  OVER $100,000                   $187,087       $40,219                   2.73

                    ______________________________________________________________
  TOTAL                            $26,673        $2,750                   2.35
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      MORGAN UT
                        _________________________________________________
  UNDER $1              18       $-266,611          $250     -0.09           46
  $     1  -  5000     289        $746,259        $8,610      1.15           87
  $  5001 -  10000     220      $1,560,617       $57,498      3.68          158
  $ 10001 -  15000     177      $2,205,211      $110,953      5.03          258
  $ 15001 -  20000     184      $3,224,451      $205,736      6.38          344
  $ 20001 -  25000     128      $2,846,557      $219,754      7.72          248
  $ 25001 -  30000     141      $3,897,216      $304,470      7.81          349
  $ 30001 -  35000     144      $4,677,184      $396,138      8.47          397
  $ 35001 -  40000     124      $4,644,297      $390,134      8.40          411
  $ 40001 -  45000     129      $5,486,855      $480,534      8.76          469
  $ 45001 -  50000     107      $5,082,039      $453,564      8.92          383
  $ 50001 -  75000     364     $21,903,941    $2,214,400     10.11         1409
  $ 75001 - 100000     107      $9,020,652    $1,183,469     13.12          430
  OVER $100,000         58      $8,788,174    $1,671,331     19.02          247

                    ______________________________________________________________
  TOTAL               2190     $73,816,842    $7,696,841     10.43         5236
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.8            -0.4           0.0                    0.9
  $     1  -  5000    13.2             1.0           0.1                    1.7
  $  5001 -  10000    10.0             2.1           0.7                    3.0
  $ 10001 -  15000     8.1             3.0           1.4                    4.9
  $ 15001 -  20000     8.4             4.4           2.7                    6.6
  $ 20001 -  25000     5.8             3.9           2.9                    4.7
  $ 25001 -  30000     6.4             5.3           4.0                    6.7
  $ 30001 -  35000     6.6             6.3           5.1                    7.6
  $ 35001 -  40000     5.7             6.3           5.1                    7.8
  $ 40001 -  45000     5.9             7.4           6.2                    9.0
  $ 45001 -  50000     4.9             6.9           5.9                    7.3
  $ 50001 -  75000    16.6            29.7          28.8                   26.9
  $ 75001 - 100000     4.9            12.2          15.4                    8.2
  OVER $100,000        2.6            11.9          21.7                    4.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-14,812           $14                   2.56
  $     1  -  5000                  $2,582           $30                   0.30
  $  5001 -  10000                  $7,094          $261                   0.72
  $ 10001 -  15000                 $12,459          $627                   1.46
  $ 15001 -  20000                 $17,524        $1,118                   1.87
  $ 20001 -  25000                 $22,239        $1,717                   1.94
  $ 25001 -  30000                 $27,640        $2,159                   2.48
  $ 30001 -  35000                 $32,480        $2,751                   2.76
  $ 35001 -  40000                 $37,454        $3,146                   3.31
  $ 40001 -  45000                 $42,534        $3,725                   3.64
  $ 45001 -  50000                 $47,496        $4,239                   3.58
  $ 50001 -  75000                 $60,176        $6,084                   3.87
  $ 75001 - 100000                 $84,305       $11,060                   4.02
  OVER $100,000                   $151,520       $28,816                   4.26

                    ______________________________________________________________
  TOTAL                            $33,706        $3,515                   2.39
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      MOUNT PLEASANT UT
                        _________________________________________________
  UNDER $1              17       $-205,222            $0      0.00           28
  $     1  -  5000     185        $480,922        $2,318      0.48          134
  $  5001 -  10000     129        $935,323       $20,614      2.20          184
  $ 10001 -  15000     121      $1,493,512       $50,508      3.38          244
  $ 15001 -  20000     102      $1,769,132       $78,450      4.43          275
  $ 20001 -  25000      85      $1,909,965       $98,050      5.13          281
  $ 25001 -  30000      66      $1,801,802      $129,401      7.18          198
  $ 30001 -  35000      56      $1,815,453      $136,564      7.52          188
  $ 35001 -  40000      51      $1,914,539      $137,175      7.16          201
  $ 40001 -  45000      36      $1,521,435      $123,290      8.10          136
  $ 45001 -  50000      46      $2,189,846      $217,344      9.93          167
  $ 50001 -  75000      91      $5,335,204      $552,538     10.36          375
  $ 75001 - 100000      18      $1,478,094      $206,451     13.97           54
  OVER $100,000         18      $3,278,114      $718,150     21.91           60

                    ______________________________________________________________
  TOTAL               1021     $25,718,119    $2,470,853      9.61         2525
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.7            -0.8           0.0                    1.1
  $     1  -  5000    18.1             1.9           0.1                    5.3
  $  5001 -  10000    12.6             3.6           0.8                    7.3
  $ 10001 -  15000    11.9             5.8           2.0                    9.7
  $ 15001 -  20000    10.0             6.9           3.2                   10.9
  $ 20001 -  25000     8.3             7.4           4.0                   11.1
  $ 25001 -  30000     6.5             7.0           5.2                    7.8
  $ 30001 -  35000     5.5             7.1           5.5                    7.4
  $ 35001 -  40000     5.0             7.4           5.6                    8.0
  $ 40001 -  45000     3.5             5.9           5.0                    5.4
  $ 45001 -  50000     4.5             8.5           8.8                    6.6
  $ 50001 -  75000     8.9            20.7          22.4                   14.9
  $ 75001 - 100000     1.8             5.7           8.4                    2.1
  OVER $100,000        1.8            12.7          29.1                    2.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-12,072            $0                   1.65
  $     1  -  5000                  $2,600           $13                   0.72
  $  5001 -  10000                  $7,251          $160                   1.43
  $ 10001 -  15000                 $12,343          $417                   2.02
  $ 15001 -  20000                 $17,344          $769                   2.70
  $ 20001 -  25000                 $22,470        $1,154                   3.31
  $ 25001 -  30000                 $27,300        $1,961                   3.00
  $ 30001 -  35000                 $32,419        $2,439                   3.36
  $ 35001 -  40000                 $37,540        $2,690                   3.94
  $ 40001 -  45000                 $42,262        $3,425                   3.78
  $ 45001 -  50000                 $47,605        $4,725                   3.63
  $ 50001 -  75000                 $58,629        $6,072                   4.12
  $ 75001 - 100000                 $82,116       $11,470                   3.00
  OVER $100,000                   $182,117       $39,897                   3.33

                    ______________________________________________________________
  TOTAL                            $25,189        $2,420                   2.47
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      MURRAY UT
                        _________________________________________________
  UNDER $1              67     $-3,189,369        $3,144     -0.10          118
  $     1  -  5000    2087      $5,524,298       $63,305      1.15         1180
  $  5001 -  10000    1916     $14,308,835      $414,058      2.89         2072
  $ 10001 -  15000    2015     $25,214,655    $1,278,317      5.07         2969
  $ 15001 -  20000    1879     $32,726,398    $2,186,804      6.68         3186
  $ 20001 -  25000    1600     $35,892,365    $2,845,659      7.93         2948
  $ 25001 -  30000    1363     $37,379,069    $3,282,910      8.78         2703
  $ 30001 -  35000    1127     $36,551,925    $3,359,796      9.19         2530
  $ 35001 -  40000     958     $35,831,951    $3,482,533      9.72         2330
  $ 40001 -  45000     784     $33,258,529    $3,310,002      9.95         2081
  $ 45001 -  50000     634     $30,114,874    $3,105,057     10.31         1860
  $ 50001 -  75000    2013    $121,930,798   $13,637,299     11.18         6355
  $ 75001 - 100000     679     $57,717,442    $7,813,350     13.54         2441
  $100001 - 250000     449     $60,350,536   $10,869,385     18.01         1584
  OVER $250,000         65     $29,274,939    $8,243,159     28.16          231

                    ______________________________________________________________
  TOTAL              17636    $552,887,245   $63,894,778     11.56        34588
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.6           0.0                    0.3
  $     1  -  5000    11.8             1.0           0.1                    3.4
  $  5001 -  10000    10.9             2.6           0.6                    6.0
  $ 10001 -  15000    11.4             4.6           2.0                    8.6
  $ 15001 -  20000    10.7             5.9           3.4                    9.2
  $ 20001 -  25000     9.1             6.5           4.5                    8.5
  $ 25001 -  30000     7.7             6.8           5.1                    7.8
  $ 30001 -  35000     6.4             6.6           5.3                    7.3
  $ 35001 -  40000     5.4             6.5           5.5                    6.7
  $ 40001 -  45000     4.4             6.0           5.2                    6.0
  $ 45001 -  50000     3.6             5.4           4.9                    5.4
  $ 50001 -  75000    11.4            22.1          21.3                   18.4
  $ 75001 - 100000     3.9            10.4          12.2                    7.1
  $100001 - 250000     2.5            10.9          17.0                    4.6
  OVER $250,000        0.4             5.3          12.9                    0.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-47,603           $47                   1.76
  $     1  -  5000                  $2,647           $30                   0.57
  $  5001 -  10000                  $7,468          $216                   1.08
  $ 10001 -  15000                 $12,513          $634                   1.47
  $ 15001 -  20000                 $17,417        $1,164                   1.70
  $ 20001 -  25000                 $22,433        $1,779                   1.84
  $ 25001 -  30000                 $27,424        $2,409                   1.98
  $ 30001 -  35000                 $32,433        $2,981                   2.24
  $ 35001 -  40000                 $37,403        $3,635                   2.43
  $ 40001 -  45000                 $42,422        $4,222                   2.65
  $ 45001 -  50000                 $47,500        $4,898                   2.93
  $ 50001 -  75000                 $60,572        $6,775                   3.16
  $ 75001 - 100000                 $85,004       $11,507                   3.59
  $100001 - 250000                $134,411       $24,208                   3.53
  OVER $250,000                   $450,384      $126,818                   3.55

                    ______________________________________________________________
  TOTAL                            $31,350        $3,623                   1.96
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      NEPHI UT
                        _________________________________________________
  UNDER $1              12     $-2,948,223            $0      0.00           36
  $     1  -  5000     333        $856,547        $8,593      1.00          161
  $  5001 -  10000     175      $1,284,293       $36,847      2.87          216
  $ 10001 -  15000     159      $1,974,283       $78,207      3.96          289
  $ 15001 -  20000     138      $2,388,080      $133,536      5.59          283
  $ 20001 -  25000     137      $3,068,469      $184,417      6.01          371
  $ 25001 -  30000     119      $3,277,431      $226,342      6.91          350
  $ 30001 -  35000     122      $3,975,542      $283,648      7.13          433
  $ 35001 -  40000      95      $3,567,994      $285,819      8.01          347
  $ 40001 -  45000      99      $4,222,705      $383,008      9.07          330
  $ 45001 -  50000      97      $4,595,974      $411,313      8.95          406
  $ 50001 -  75000     173     $10,123,820    $1,026,054     10.14          668
  $ 75001 - 100000      31      $2,621,010      $344,379     13.14          136
  OVER $100,000         21      $3,359,405      $633,850     18.87           86

                    ______________________________________________________________
  TOTAL               1711     $42,367,330    $4,036,013      9.53         4112
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -7.0           0.0                    0.9
  $     1  -  5000    19.5             2.0           0.2                    3.9
  $  5001 -  10000    10.2             3.0           0.9                    5.3
  $ 10001 -  15000     9.3             4.7           1.9                    7.0
  $ 15001 -  20000     8.1             5.6           3.3                    6.9
  $ 20001 -  25000     8.0             7.2           4.6                    9.0
  $ 25001 -  30000     7.0             7.7           5.6                    8.5
  $ 30001 -  35000     7.1             9.4           7.0                   10.5
  $ 35001 -  40000     5.6             8.4           7.1                    8.4
  $ 40001 -  45000     5.8            10.0           9.5                    8.0
  $ 45001 -  50000     5.7            10.8          10.2                    9.9
  $ 50001 -  75000    10.1            23.9          25.4                   16.2
  $ 75001 - 100000     1.8             6.2           8.5                    3.3
  OVER $100,000        1.2             7.9          15.7                    2.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-245685            $0                   3.00
  $     1  -  5000                  $2,572           $26                   0.48
  $  5001 -  10000                  $7,339          $211                   1.23
  $ 10001 -  15000                 $12,417          $492                   1.82
  $ 15001 -  20000                 $17,305          $968                   2.05
  $ 20001 -  25000                 $22,398        $1,346                   2.71
  $ 25001 -  30000                 $27,541        $1,902                   2.94
  $ 30001 -  35000                 $32,586        $2,325                   3.55
  $ 35001 -  40000                 $37,558        $3,009                   3.65
  $ 40001 -  45000                 $42,654        $3,869                   3.33
  $ 45001 -  50000                 $47,381        $4,240                   4.19
  $ 50001 -  75000                 $58,519        $5,931                   3.86
  $ 75001 - 100000                 $84,549       $11,109                   4.39
  OVER $100,000                   $159,972       $30,183                   4.10

                    ______________________________________________________________
  TOTAL                            $24,762        $2,359                   2.40
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      NORTH LOGAN UT
                        _________________________________________________
  UNDER $ 5,000        250         $81,537        $3,282      4.03          132
  $  5001 -  10000     159      $1,147,956       $38,298      3.34          150
  $ 10001 -  15000     104      $1,264,095       $61,489      4.86          176
  $ 15001 -  20000     108      $1,891,213      $108,904      5.76          234
  $ 20001 -  25000      94      $2,121,560      $124,705      5.88          262
  $ 25001 -  30000      69      $1,879,884      $122,950      6.54          220
  $ 30001 -  35000      66      $2,118,039      $142,048      6.71          231
  $ 35001 -  40000      73      $2,739,247      $202,092      7.38          273
  $ 40001 -  45000      55      $2,340,037      $190,066      8.12          213
  $ 45001 -  50000      50      $2,387,768      $190,024      7.96          205
  $ 50001 -  75000     198     $12,140,372    $1,173,616      9.67          821
  $ 75001 - 100000      76      $6,464,281      $823,278     12.74          325
  OVER $100,000         56      $8,252,320    $1,574,500     19.08          234

                    ______________________________________________________________
  TOTAL               1358     $44,828,309    $4,755,252     10.61         3476
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       18.4             0.2           0.1                    3.8
  $  5001 -  10000    11.7             2.6           0.8                    4.3
  $ 10001 -  15000     7.7             2.8           1.3                    5.1
  $ 15001 -  20000     8.0             4.2           2.3                    6.7
  $ 20001 -  25000     6.9             4.7           2.6                    7.5
  $ 25001 -  30000     5.1             4.2           2.6                    6.3
  $ 30001 -  35000     4.9             4.7           3.0                    6.6
  $ 35001 -  40000     5.4             6.1           4.2                    7.9
  $ 40001 -  45000     4.1             5.2           4.0                    6.1
  $ 45001 -  50000     3.7             5.3           4.0                    5.9
  $ 50001 -  75000    14.6            27.1          24.7                   23.6
  $ 75001 - 100000     5.6            14.4          17.3                    9.3
  OVER $100,000        4.1            18.4          33.1                    6.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                       $326           $13                   0.53
  $  5001 -  10000                  $7,220          $241                   0.94
  $ 10001 -  15000                 $12,155          $591                   1.69
  $ 15001 -  20000                 $17,511        $1,008                   2.17
  $ 20001 -  25000                 $22,570        $1,327                   2.79
  $ 25001 -  30000                 $27,245        $1,782                   3.19
  $ 30001 -  35000                 $32,092        $2,152                   3.50
  $ 35001 -  40000                 $37,524        $2,768                   3.74
  $ 40001 -  45000                 $42,546        $3,456                   3.87
  $ 45001 -  50000                 $47,755        $3,800                   4.10
  $ 50001 -  75000                 $61,315        $5,927                   4.15
  $ 75001 - 100000                 $85,056       $10,833                   4.28
  OVER $100,000                   $147,363       $28,116                   4.18

                    ______________________________________________________________
  TOTAL                            $33,011        $3,502                   2.56
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      NORTH OGDEN UT
                        _________________________________________________
  UNDER $1              15       $-208,179          $590     -0.28           28
  $     1  -  5000     625      $1,525,468       $18,023      1.18          177
  $  5001 -  10000     410      $3,046,247      $125,182      4.11          280
  $ 10001 -  15000     314      $3,856,235      $218,690      5.67          405
  $ 15001 -  20000     219      $3,804,341      $249,865      6.57          379
  $ 20001 -  25000     175      $3,918,300      $290,626      7.42          353
  $ 25001 -  30000     175      $4,810,300      $361,022      7.51          439
  $ 30001 -  35000     152      $4,929,809      $388,509      7.88          422
  $ 35001 -  40000     184      $6,899,822      $563,212      8.16          586
  $ 40001 -  45000     181      $7,718,741      $671,229      8.70          628
  $ 45001 -  50000     179      $8,522,035      $753,733      8.84          662
  $ 50001 -  75000     730     $44,486,033    $4,351,380      9.78         2884
  $ 75001 - 100000     254     $21,550,470    $2,816,594     13.07          953
  $100001 - 250000     134     $18,202,941    $3,221,427     17.70          501
  OVER $250,000         14      $6,810,649    $2,012,687     29.55           58

                    ______________________________________________________________
  TOTAL               3761    $139,873,212   $16,042,769     11.47         8755
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.1           0.0                    0.3
  $     1  -  5000    16.6             1.1           0.1                    2.0
  $  5001 -  10000    10.9             2.2           0.8                    3.2
  $ 10001 -  15000     8.3             2.8           1.4                    4.6
  $ 15001 -  20000     5.8             2.7           1.6                    4.3
  $ 20001 -  25000     4.7             2.8           1.8                    4.0
  $ 25001 -  30000     4.7             3.4           2.3                    5.0
  $ 30001 -  35000     4.0             3.5           2.4                    4.8
  $ 35001 -  40000     4.9             4.9           3.5                    6.7
  $ 40001 -  45000     4.8             5.5           4.2                    7.2
  $ 45001 -  50000     4.8             6.1           4.7                    7.6
  $ 50001 -  75000    19.4            31.8          27.1                   32.9
  $ 75001 - 100000     6.8            15.4          17.6                   10.9
  $100001 - 250000     3.6            13.0          20.1                    5.7
  OVER $250,000        0.4             4.9          12.5                    0.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-13,879           $39                   1.87
  $     1  -  5000                  $2,441           $29                   0.28
  $  5001 -  10000                  $7,430          $305                   0.68
  $ 10001 -  15000                 $12,281          $696                   1.29
  $ 15001 -  20000                 $17,371        $1,141                   1.73
  $ 20001 -  25000                 $22,390        $1,661                   2.02
  $ 25001 -  30000                 $27,487        $2,063                   2.51
  $ 30001 -  35000                 $32,433        $2,556                   2.78
  $ 35001 -  40000                 $37,499        $3,061                   3.18
  $ 40001 -  45000                 $42,645        $3,708                   3.47
  $ 45001 -  50000                 $47,609        $4,211                   3.70
  $ 50001 -  75000                 $60,940        $5,961                   3.95
  $ 75001 - 100000                 $84,844       $11,089                   3.75
  $100001 - 250000                $135,843       $24,041                   3.74
  OVER $250,000                   $486,475      $143,763                   4.14

                    ______________________________________________________________
  TOTAL                            $37,190        $4,266                   2.33
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      NORTH SALT LAKE UT
                        _________________________________________________
  UNDER $1              12       $-583,899            $0      0.00           24
  $     1  -  5000     429      $1,098,529       $12,304      1.12          194
  $  5001 -  10000     350      $2,568,587       $91,183      3.55          334
  $ 10001 -  15000     287      $3,570,999      $196,196      5.49          388
  $ 15001 -  20000     321      $5,619,457      $349,124      6.21          588
  $ 20001 -  25000     251      $5,645,814      $434,893      7.70          502
  $ 25001 -  30000     218      $6,013,593      $491,422      8.17          513
  $ 30001 -  35000     181      $5,888,980      $541,607      9.20          425
  $ 35001 -  40000     154      $5,776,879      $540,784      9.36          420
  $ 40001 -  45000     135      $5,744,242      $545,801      9.50          419
  $ 45001 -  50000     127      $6,004,961      $554,705      9.24          455
  $ 50001 -  75000     459     $28,196,569    $2,953,636     10.48         1579
  $ 75001 - 100000     178     $15,275,141    $1,978,303     12.95          626
  $100001 - 250000     142     $20,046,788    $3,523,863     17.58          533
  OVER $250,000         18      $5,925,465    $1,634,260     27.58           68

                    ______________________________________________________________
  TOTAL               3262    $116,792,105   $13,848,081     11.86         7068
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.5           0.0                    0.3
  $     1  -  5000    13.2             0.9           0.1                    2.7
  $  5001 -  10000    10.7             2.2           0.7                    4.7
  $ 10001 -  15000     8.8             3.1           1.4                    5.5
  $ 15001 -  20000     9.8             4.8           2.5                    8.3
  $ 20001 -  25000     7.7             4.8           3.1                    7.1
  $ 25001 -  30000     6.7             5.1           3.5                    7.3
  $ 30001 -  35000     5.5             5.0           3.9                    6.0
  $ 35001 -  40000     4.7             4.9           3.9                    5.9
  $ 40001 -  45000     4.1             4.9           3.9                    5.9
  $ 45001 -  50000     3.9             5.1           4.0                    6.4
  $ 50001 -  75000    14.1            24.1          21.3                   22.3
  $ 75001 - 100000     5.5            13.1          14.3                    8.9
  $100001 - 250000     4.4            17.2          25.4                    7.5
  OVER $250,000        0.6             5.1          11.8                    1.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-48,658            $0                   2.00
  $     1  -  5000                  $2,561           $29                   0.45
  $  5001 -  10000                  $7,339          $261                   0.95
  $ 10001 -  15000                 $12,443          $684                   1.35
  $ 15001 -  20000                 $17,506        $1,088                   1.83
  $ 20001 -  25000                 $22,493        $1,733                   2.00
  $ 25001 -  30000                 $27,585        $2,254                   2.35
  $ 30001 -  35000                 $32,536        $2,992                   2.35
  $ 35001 -  40000                 $37,512        $3,512                   2.73
  $ 40001 -  45000                 $42,550        $4,043                   3.10
  $ 45001 -  50000                 $47,283        $4,368                   3.58
  $ 50001 -  75000                 $61,430        $6,435                   3.44
  $ 75001 - 100000                 $85,815       $11,114                   3.52
  $100001 - 250000                $141,175       $24,816                   3.75
  OVER $250,000                   $329,193       $90,792                   3.78

                    ______________________________________________________________
  TOTAL                            $35,804        $4,245                   2.17
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      OGDEN UT
                        _________________________________________________
  UNDER $1             206     $-3,118,302       $10,809     -0.35          326
  $     1  -  5000    5968     $15,566,290      $128,259      0.82         4469
  $  5001 -  10000    5754     $43,223,138    $1,128,806      2.61         7236
  $ 10001 -  15000    5708     $71,359,448    $3,131,419      4.39         9634
  $ 15001 -  20000    5123     $89,221,599    $5,417,655      6.07         9886
  $ 20001 -  25000    4383     $98,092,190    $7,153,673      7.29         9287
  $ 25001 -  30000    3564     $97,615,813    $8,072,349      8.27         8037
  $ 30001 -  35000    2944     $95,636,116    $8,625,815      9.02         7090
  $ 35001 -  40000    2537     $95,062,165    $9,101,816      9.57         6639
  $ 40001 -  45000    2095     $88,887,629    $8,884,249      9.99         5849
  $ 45001 -  50000    1725     $81,875,648    $8,292,432     10.13         5232
  $ 50001 -  75000    5233    $316,921,084   $35,433,181     11.18        16913
  $ 75001 - 100000    1753    $148,856,864   $21,025,549     14.12         5586
  $100001 - 250000    1098    $152,189,655   $28,792,617     18.92         3573
  OVER $250,000        248    $151,142,649   $43,810,182     28.99          803

                    ______________________________________________________________
  TOTAL              48339  $1,542,531,986  $189,008,811     12.25       100560
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.2           0.0                    0.3
  $     1  -  5000    12.3             1.0           0.1                    4.4
  $  5001 -  10000    11.9             2.8           0.6                    7.2
  $ 10001 -  15000    11.8             4.6           1.7                    9.6
  $ 15001 -  20000    10.6             5.8           2.9                    9.8
  $ 20001 -  25000     9.1             6.4           3.8                    9.2
  $ 25001 -  30000     7.4             6.3           4.3                    8.0
  $ 30001 -  35000     6.1             6.2           4.6                    7.1
  $ 35001 -  40000     5.2             6.2           4.8                    6.6
  $ 40001 -  45000     4.3             5.8           4.7                    5.8
  $ 45001 -  50000     3.6             5.3           4.4                    5.2
  $ 50001 -  75000    10.8            20.5          18.7                   16.8
  $ 75001 - 100000     3.6             9.7          11.1                    5.6
  $100001 - 250000     2.3             9.9          15.2                    3.6
  OVER $250,000        0.5             9.8          23.2                    0.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-15,137           $52                   1.58
  $     1  -  5000                  $2,608           $21                   0.75
  $  5001 -  10000                  $7,512          $196                   1.26
  $ 10001 -  15000                 $12,502          $549                   1.69
  $ 15001 -  20000                 $17,416        $1,058                   1.93
  $ 20001 -  25000                 $22,380        $1,632                   2.12
  $ 25001 -  30000                 $27,389        $2,265                   2.26
  $ 30001 -  35000                 $32,485        $2,930                   2.41
  $ 35001 -  40000                 $37,470        $3,588                   2.62
  $ 40001 -  45000                 $42,428        $4,241                   2.79
  $ 45001 -  50000                 $47,464        $4,807                   3.03
  $ 50001 -  75000                 $60,562        $6,771                   3.23
  $ 75001 - 100000                 $84,915       $11,994                   3.19
  $100001 - 250000                $138,606       $26,223                   3.25
  OVER $250,000                   $609,446      $176,654                   3.24

                    ______________________________________________________________
  TOTAL                            $31,911        $3,910                   2.08
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      OREM UT
                        _________________________________________________
  UNDER $1             134     $-5,278,017       $79,104     -1.50          347
  $     1  -  5000    4856     $12,572,734      $114,733      0.91         2015
  $  5001 -  10000    3815     $28,221,734      $930,884      3.30         4224
  $ 10001 -  15000    2915     $36,316,643    $1,610,868      4.44         5140
  $ 15001 -  20000    2432     $42,359,289    $2,290,429      5.41         5328
  $ 20001 -  25000    2004     $45,019,619    $2,900,142      6.44         5044
  $ 25001 -  30000    1670     $45,891,382    $3,317,801      7.23         4515
  $ 30001 -  35000    1455     $47,157,623    $3,586,143      7.60         4467
  $ 35001 -  40000    1347     $50,446,953    $4,080,006      8.09         4531
  $ 40001 -  45000    1232     $52,297,017    $4,314,421      8.25         4497
  $ 45001 -  50000    1024     $48,558,362    $4,186,516      8.62         3910
  $ 50001 -  75000    3447    $209,378,147   $19,599,049      9.36        14351
  $ 75001 - 100000    1206    $102,777,008   $12,323,815     11.99         5184
  $100001 - 250000     945    $131,466,417   $21,875,384     16.64         4437
  OVER $250,000        174     $96,346,510   $26,013,864     27.00          836

                    ______________________________________________________________
  TOTAL              28656    $943,531,421  $107,223,159     11.36        68826
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.6           0.1                    0.5
  $     1  -  5000    16.9             1.3           0.1                    2.9
  $  5001 -  10000    13.3             3.0           0.9                    6.1
  $ 10001 -  15000    10.2             3.8           1.5                    7.5
  $ 15001 -  20000     8.5             4.5           2.1                    7.7
  $ 20001 -  25000     7.0             4.8           2.7                    7.3
  $ 25001 -  30000     5.8             4.9           3.1                    6.6
  $ 30001 -  35000     5.1             5.0           3.3                    6.5
  $ 35001 -  40000     4.7             5.3           3.8                    6.6
  $ 40001 -  45000     4.3             5.5           4.0                    6.5
  $ 45001 -  50000     3.6             5.1           3.9                    5.7
  $ 50001 -  75000    12.0            22.2          18.3                   20.9
  $ 75001 - 100000     4.2            10.9          11.5                    7.5
  $100001 - 250000     3.3            13.9          20.4                    6.4
  OVER $250,000        0.6            10.2          24.3                    1.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-39,388          $590                   2.59
  $     1  -  5000                  $2,589           $24                   0.41
  $  5001 -  10000                  $7,398          $244                   1.11
  $ 10001 -  15000                 $12,459          $553                   1.76
  $ 15001 -  20000                 $17,417          $942                   2.19
  $ 20001 -  25000                 $22,465        $1,447                   2.52
  $ 25001 -  30000                 $27,480        $1,987                   2.70
  $ 30001 -  35000                 $32,411        $2,465                   3.07
  $ 35001 -  40000                 $37,451        $3,029                   3.36
  $ 40001 -  45000                 $42,449        $3,502                   3.65
  $ 45001 -  50000                 $47,420        $4,088                   3.82
  $ 50001 -  75000                 $60,742        $5,686                   4.16
  $ 75001 - 100000                 $85,221       $10,219                   4.30
  $100001 - 250000                $139,118       $23,149                   4.70
  OVER $250,000                   $553,716      $149,505                   4.80

                    ______________________________________________________________
  TOTAL                            $32,926        $3,742                   2.40
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      OTHER TOWNS
                        _________________________________________________
  UNDER $1             558    $-15,404,204       $22,100     -0.14         1324
  $     1  -  5000    7332     $19,273,519      $156,017      0.81         4298
  $  5001 -  10000    5583     $41,375,406    $1,091,546      2.64         7393
  $ 10001 -  15000    4926     $61,395,958    $2,351,514      3.83         9897
  $ 15001 -  20000    4045     $70,290,053    $3,637,996      5.18         9407
  $ 20001 -  25000    3412     $76,443,124    $4,551,316      5.95         9599
  $ 25001 -  30000    2988     $81,949,147    $5,633,944      6.87         9264
  $ 30001 -  35000    2572     $83,586,332    $6,218,960      7.44         8880
  $ 35001 -  40000    2425     $90,860,046    $7,404,082      8.15         8571
  $ 40001 -  45000    2261     $95,969,136    $8,186,410      8.53         8490
  $ 45001 -  50000    1917     $90,790,790    $8,174,444      9.00         7418
  $ 50001 -  75000    5739    $345,325,618   $35,730,474     10.35        22347
  $ 75001 - 100000    1367    $115,754,220   $15,654,411     13.52         5207
  $100001 - 250000     664     $91,222,055   $16,525,046     18.12         2511
  OVER $250,000         95     $55,212,702   $15,311,846     27.73          334

                    ______________________________________________________________
  TOTAL              45884  $1,304,043,902  $130,650,106     10.02       114940
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.2            -1.2           0.0                    1.2
  $     1  -  5000    16.0             1.5           0.1                    3.7
  $  5001 -  10000    12.2             3.2           0.8                    6.4
  $ 10001 -  15000    10.7             4.7           1.8                    8.6
  $ 15001 -  20000     8.8             5.4           2.8                    8.2
  $ 20001 -  25000     7.4             5.9           3.5                    8.4
  $ 25001 -  30000     6.5             6.3           4.3                    8.1
  $ 30001 -  35000     5.6             6.4           4.8                    7.7
  $ 35001 -  40000     5.3             7.0           5.7                    7.5
  $ 40001 -  45000     4.9             7.4           6.3                    7.4
  $ 45001 -  50000     4.2             7.0           6.3                    6.5
  $ 50001 -  75000    12.5            26.5          27.3                   19.4
  $ 75001 - 100000     3.0             8.9          12.0                    4.5
  $100001 - 250000     1.4             7.0          12.6                    2.2
  OVER $250,000        0.2             4.2          11.7                    0.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-27,606           $40                   2.37
  $     1  -  5000                  $2,629           $21                   0.59
  $  5001 -  10000                  $7,411          $196                   1.32
  $ 10001 -  15000                 $12,464          $477                   2.01
  $ 15001 -  20000                 $17,377          $899                   2.33
  $ 20001 -  25000                 $22,404        $1,334                   2.81
  $ 25001 -  30000                 $27,426        $1,886                   3.10
  $ 30001 -  35000                 $32,499        $2,418                   3.45
  $ 35001 -  40000                 $37,468        $3,053                   3.53
  $ 40001 -  45000                 $42,445        $3,621                   3.75
  $ 45001 -  50000                 $47,361        $4,264                   3.87
  $ 50001 -  75000                 $60,172        $6,226                   3.89
  $ 75001 - 100000                 $84,678       $11,452                   3.81
  $100001 - 250000                $137,383       $24,887                   3.78
  OVER $250,000                   $581,186      $161,177                   3.52

                    ______________________________________________________________
  TOTAL                            $28,420        $2,847                   2.51
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      PANGIUTCH UT
                        _________________________________________________
  UNDER $ 5,000        188        $366,662        $3,489      0.95           96
  $  5001 -  10000     110        $804,670       $15,255      1.90          170
  $ 10001 -  15000      99      $1,246,607       $45,031      3.61          220
  $ 15001 -  20000      83      $1,452,951       $60,921      4.19          214
  $ 20001 -  25000      56      $1,281,591       $72,841      5.68          165
  $ 25001 -  30000      37      $1,027,894       $63,041      6.13          125
  $ 30001 -  35000      44      $1,421,572      $105,665      7.43          152
  $ 35001 -  40000      40      $1,488,503      $123,560      8.30          122
  $ 40001 -  45000      30      $1,262,178       $99,071      7.85          124
  $ 45001 -  50000      31      $1,466,554      $134,401      9.16          110
  $ 50001 -  75000      51      $3,006,356      $301,074     10.01          209
  $ 75001 - 250000      17      $1,765,520      $297,395     16.84           63

                    ______________________________________________________________
  TOTAL                786     $16,591,058    $1,321,744      7.97         1770
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       23.9             2.2           0.3                    5.4
  $  5001 -  10000    14.0             4.9           1.2                    9.6
  $ 10001 -  15000    12.6             7.5           3.4                   12.4
  $ 15001 -  20000    10.6             8.8           4.6                   12.1
  $ 20001 -  25000     7.1             7.7           5.5                    9.3
  $ 25001 -  30000     4.7             6.2           4.8                    7.1
  $ 30001 -  35000     5.6             8.6           8.0                    8.6
  $ 35001 -  40000     5.1             9.0           9.3                    6.9
  $ 40001 -  45000     3.8             7.6           7.5                    7.0
  $ 45001 -  50000     3.9             8.8          10.2                    6.2
  $ 50001 -  75000     6.5            18.1          22.8                   11.8
  $ 75001 - 250000     2.2            10.6          22.5                    3.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,950           $19                   0.51
  $  5001 -  10000                  $7,315          $139                   1.55
  $ 10001 -  15000                 $12,592          $455                   2.22
  $ 15001 -  20000                 $17,505          $734                   2.58
  $ 20001 -  25000                 $22,886        $1,301                   2.95
  $ 25001 -  30000                 $27,781        $1,704                   3.38
  $ 30001 -  35000                 $32,308        $2,401                   3.45
  $ 35001 -  40000                 $37,213        $3,089                   3.05
  $ 40001 -  45000                 $42,073        $3,302                   4.13
  $ 45001 -  50000                 $47,308        $4,336                   3.55
  $ 50001 -  75000                 $58,948        $5,903                   4.10
  $ 75001 - 250000                $103,854       $17,494                   3.71

                    ______________________________________________________________
  TOTAL                            $21,108        $1,682                   2.25
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      PARK CITY UT
                        _________________________________________________
  UNDER $1              74     $-3,321,448       $10,548     -0.32          113
  $     1  -  5000     903      $2,202,440       $70,589      3.21          338
  $  5001 -  10000     689      $5,063,026      $177,449      3.50          678
  $ 10001 -  15000     725      $9,094,923      $551,488      6.06          928
  $ 15001 -  20000     659     $11,437,230      $906,389      7.92          906
  $ 20001 -  25000     433      $9,757,609      $847,505      8.69          676
  $ 25001 -  30000     340      $9,267,812      $852,175      9.19          532
  $ 30001 -  35000     283      $9,131,017      $875,428      9.59          542
  $ 35001 -  40000     234      $8,813,308      $912,015     10.35          433
  $ 40001 -  45000     217      $9,174,669      $922,986     10.06          463
  $ 45001 -  50000     206      $9,812,683    $1,011,344     10.31          473
  $ 50001 -  75000     859     $53,017,405    $5,920,595     11.17         2267
  $ 75001 - 100000     614     $52,934,528    $6,918,644     13.07         1828
  $100001 - 250000    1048    $155,195,767   $27,867,621     17.96         3217
  OVER $250,000        211    $149,296,250   $44,579,304     29.86          616

                    ______________________________________________________________
  TOTAL               7495    $490,877,219   $92,424,080     18.83        14010
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.0            -0.7           0.0                    0.8
  $     1  -  5000    12.0             0.4           0.1                    2.4
  $  5001 -  10000     9.2             1.0           0.2                    4.8
  $ 10001 -  15000     9.7             1.9           0.6                    6.6
  $ 15001 -  20000     8.8             2.3           1.0                    6.5
  $ 20001 -  25000     5.8             2.0           0.9                    4.8
  $ 25001 -  30000     4.5             1.9           0.9                    3.8
  $ 30001 -  35000     3.8             1.9           0.9                    3.9
  $ 35001 -  40000     3.1             1.8           1.0                    3.1
  $ 40001 -  45000     2.9             1.9           1.0                    3.3
  $ 45001 -  50000     2.7             2.0           1.1                    3.4
  $ 50001 -  75000    11.5            10.8           6.4                   16.2
  $ 75001 - 100000     8.2            10.8           7.5                   13.0
  $100001 - 250000    14.0            31.6          30.2                   23.0
  OVER $250,000        2.8            30.4          48.2                    4.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-44,884          $143                   1.53
  $     1  -  5000                  $2,439           $78                   0.37
  $  5001 -  10000                  $7,348          $258                   0.98
  $ 10001 -  15000                 $12,545          $761                   1.28
  $ 15001 -  20000                 $17,355        $1,375                   1.37
  $ 20001 -  25000                 $22,535        $1,957                   1.56
  $ 25001 -  30000                 $27,258        $2,506                   1.56
  $ 30001 -  35000                 $32,265        $3,093                   1.92
  $ 35001 -  40000                 $37,664        $3,898                   1.85
  $ 40001 -  45000                 $42,280        $4,253                   2.13
  $ 45001 -  50000                 $47,634        $4,909                   2.30
  $ 50001 -  75000                 $61,720        $6,892                   2.64
  $ 75001 - 100000                 $86,213       $11,268                   2.98
  $100001 - 250000                $148,088       $26,591                   3.07
  OVER $250,000                   $707,565      $211,276                   2.92

                    ______________________________________________________________
  TOTAL                            $65,494       $12,331                   1.87
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      PAROWAN UT
                        _________________________________________________
  UNDER $ 5,000        130         $68,328        $1,737      2.54          112
  $  5001 -  10000     135      $1,010,141       $19,573      1.94          214
  $ 10001 -  15000     122      $1,543,140       $47,065      3.05          261
  $ 15001 -  20000     109      $1,872,797       $95,381      5.09          241
  $ 20001 -  25000      91      $2,034,326      $108,499      5.33          259
  $ 25001 -  30000      75      $2,047,683      $141,707      6.92          218
  $ 30001 -  35000      49      $1,587,550      $116,565      7.34          171
  $ 35001 -  40000      41      $1,534,125      $128,823      8.40          136
  $ 40001 -  45000      39      $1,644,997      $148,680      9.04          138
  $ 45001 -  50000      30      $1,432,466      $136,718      9.54          103
  $ 50001 -  75000      75      $4,519,304      $469,304     10.38          282
  $ 75001 - 100000      14      $1,160,607      $170,662     14.70           40
  OVER $100,000         11      $1,753,168      $364,462     20.79           34

                    ______________________________________________________________
  TOTAL                921     $22,208,632    $1,949,176      8.78         2209
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       14.1             0.3           0.1                    5.1
  $  5001 -  10000    14.7             4.5           1.0                    9.7
  $ 10001 -  15000    13.2             6.9           2.4                   11.8
  $ 15001 -  20000    11.8             8.4           4.9                   10.9
  $ 20001 -  25000     9.9             9.2           5.6                   11.7
  $ 25001 -  30000     8.1             9.2           7.3                    9.9
  $ 30001 -  35000     5.3             7.1           6.0                    7.7
  $ 35001 -  40000     4.5             6.9           6.6                    6.2
  $ 40001 -  45000     4.2             7.4           7.6                    6.2
  $ 45001 -  50000     3.3             6.5           7.0                    4.7
  $ 50001 -  75000     8.1            20.3          24.1                   12.8
  $ 75001 - 100000     1.5             5.2           8.8                    1.8
  OVER $100,000        1.2             7.9          18.7                    1.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                       $526           $13                   0.86
  $  5001 -  10000                  $7,483          $145                   1.59
  $ 10001 -  15000                 $12,649          $386                   2.14
  $ 15001 -  20000                 $17,182          $875                   2.21
  $ 20001 -  25000                 $22,355        $1,192                   2.85
  $ 25001 -  30000                 $27,302        $1,889                   2.91
  $ 30001 -  35000                 $32,399        $2,379                   3.49
  $ 35001 -  40000                 $37,418        $3,142                   3.32
  $ 40001 -  45000                 $42,179        $3,812                   3.54
  $ 45001 -  50000                 $47,749        $4,557                   3.43
  $ 50001 -  75000                 $60,257        $6,257                   3.76
  $ 75001 - 100000                 $82,901       $12,190                   2.86
  OVER $100,000                   $159,379       $33,133                   3.09

                    ______________________________________________________________
  TOTAL                            $24,114        $2,116                   2.40
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      PAYSON UT
                        _________________________________________________
  UNDER $1              31       $-417,218        $4,895     -1.17           72
  $     1  -  5000     735      $1,969,300       $13,866      0.70          338
  $  5001 -  10000     590      $4,305,310      $125,884      2.92          632
  $ 10001 -  15000     480      $5,930,914      $255,250      4.30          852
  $ 15001 -  20000     437      $7,680,351      $416,276      5.42          997
  $ 20001 -  25000     424      $9,500,203      $596,287      6.28         1131
  $ 25001 -  30000     334      $9,123,757      $618,003      6.77         1037
  $ 30001 -  35000     301      $9,806,157      $693,957      7.08         1065
  $ 35001 -  40000     302     $11,305,419      $843,407      7.46         1196
  $ 40001 -  45000     307     $13,048,684    $1,032,732      7.91         1210
  $ 45001 -  50000     212     $10,074,775      $857,778      8.51          857
  $ 50001 -  75000     590     $35,281,511    $3,437,270      9.74         2496
  $ 75001 - 100000     137     $11,576,362    $1,452,535     12.55          600
  OVER $100,000         58      $9,847,585    $2,081,610     21.14          235

                    ______________________________________________________________
  TOTAL               4938    $139,033,110   $12,429,750      8.94        12718
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.3           0.0                    0.6
  $     1  -  5000    14.9             1.4           0.1                    2.7
  $  5001 -  10000    11.9             3.1           1.0                    5.0
  $ 10001 -  15000     9.7             4.3           2.1                    6.7
  $ 15001 -  20000     8.8             5.5           3.3                    7.8
  $ 20001 -  25000     8.6             6.8           4.8                    8.9
  $ 25001 -  30000     6.8             6.6           5.0                    8.2
  $ 30001 -  35000     6.1             7.1           5.6                    8.4
  $ 35001 -  40000     6.1             8.1           6.8                    9.4
  $ 40001 -  45000     6.2             9.4           8.3                    9.5
  $ 45001 -  50000     4.3             7.2           6.9                    6.7
  $ 50001 -  75000    11.9            25.4          27.7                   19.6
  $ 75001 - 100000     2.8             8.3          11.7                    4.7
  OVER $100,000        1.2             7.1          16.7                    1.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-13,459          $158                   2.32
  $     1  -  5000                  $2,679           $19                   0.46
  $  5001 -  10000                  $7,297          $213                   1.07
  $ 10001 -  15000                 $12,356          $532                   1.78
  $ 15001 -  20000                 $17,575          $953                   2.28
  $ 20001 -  25000                 $22,406        $1,406                   2.67
  $ 25001 -  30000                 $27,317        $1,850                   3.10
  $ 30001 -  35000                 $32,579        $2,306                   3.54
  $ 35001 -  40000                 $37,435        $2,793                   3.96
  $ 40001 -  45000                 $42,504        $3,364                   3.94
  $ 45001 -  50000                 $47,523        $4,046                   4.04
  $ 50001 -  75000                 $59,799        $5,826                   4.23
  $ 75001 - 100000                 $84,499       $10,602                   4.38
  OVER $100,000                   $169,786       $35,890                   4.05

                    ______________________________________________________________
  TOTAL                            $28,156        $2,517                   2.58
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      PLEASANT GROVE UT
                        _________________________________________________
  UNDER $1              29       $-818,327          $343     -0.04           54
  $     1  -  5000    1055      $2,802,631       $21,536      0.77          419
  $  5001 -  10000     784      $5,766,707      $203,472      3.53          875
  $ 10001 -  15000     667      $8,272,179      $371,006      4.48         1167
  $ 15001 -  20000     576     $10,032,040      $565,502      5.64         1205
  $ 20001 -  25000     477     $10,700,392      $665,392      6.22         1193
  $ 25001 -  30000     409     $11,234,943      $758,426      6.75         1200
  $ 30001 -  35000     391     $12,685,001      $919,683      7.25         1313
  $ 35001 -  40000     412     $15,450,213    $1,095,064      7.09         1601
  $ 40001 -  45000     437     $18,538,352    $1,442,769      7.78         1684
  $ 45001 -  50000     398     $18,903,501    $1,530,036      8.09         1598
  $ 50001 -  75000    1141     $68,734,673    $6,413,053      9.33         4671
  $ 75001 - 100000     309     $26,273,070    $3,292,445     12.53         1274
  $100001 - 250000     160     $22,524,523    $4,005,103     17.78          681
  OVER $250,000         12      $5,802,345    $1,454,354     25.06           45

                    ______________________________________________________________
  TOTAL               7257    $236,902,243   $22,738,184      9.60        18980
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.3           0.0                    0.3
  $     1  -  5000    14.5             1.2           0.1                    2.2
  $  5001 -  10000    10.8             2.4           0.9                    4.6
  $ 10001 -  15000     9.2             3.5           1.6                    6.1
  $ 15001 -  20000     7.9             4.2           2.5                    6.3
  $ 20001 -  25000     6.6             4.5           2.9                    6.3
  $ 25001 -  30000     5.6             4.7           3.3                    6.3
  $ 30001 -  35000     5.4             5.4           4.0                    6.9
  $ 35001 -  40000     5.7             6.5           4.8                    8.4
  $ 40001 -  45000     6.0             7.8           6.3                    8.9
  $ 45001 -  50000     5.5             8.0           6.7                    8.4
  $ 50001 -  75000    15.7            29.0          28.2                   24.6
  $ 75001 - 100000     4.3            11.1          14.5                    6.7
  $100001 - 250000     2.2             9.5          17.6                    3.6
  OVER $250,000        0.2             2.4           6.4                    0.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-28,218           $12                   1.86
  $     1  -  5000                  $2,657           $20                   0.40
  $  5001 -  10000                  $7,355          $260                   1.12
  $ 10001 -  15000                 $12,402          $556                   1.75
  $ 15001 -  20000                 $17,417          $982                   2.09
  $ 20001 -  25000                 $22,433        $1,395                   2.50
  $ 25001 -  30000                 $27,469        $1,854                   2.93
  $ 30001 -  35000                 $32,442        $2,352                   3.36
  $ 35001 -  40000                 $37,501        $2,658                   3.89
  $ 40001 -  45000                 $42,422        $3,302                   3.85
  $ 45001 -  50000                 $47,496        $3,844                   4.02
  $ 50001 -  75000                 $60,241        $5,621                   4.09
  $ 75001 - 100000                 $85,026       $10,655                   4.12
  $100001 - 250000                $140,778       $25,032                   4.26
  OVER $250,000                   $483,529      $121,196                   3.75

                    ______________________________________________________________
  TOTAL                            $32,645        $3,133                   2.62
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      PLEASANT VIEW UT
                        _________________________________________________
  UNDER $ 5,000        159        $361,834        $5,649      1.56           47
  $  5001 -  10000      91        $659,415       $27,190      4.12           66
  $ 10001 -  15000      50        $605,353       $38,211      6.31           52
  $ 15001 -  20000      56        $973,037       $63,567      6.53           89
  $ 20001 -  25000      53      $1,165,490       $90,046      7.73           98
  $ 25001 -  30000      44      $1,205,839       $96,930      8.04          109
  $ 30001 -  35000      33      $1,072,966       $86,762      8.09           89
  $ 35001 -  40000      34      $1,288,801       $93,174      7.23          122
  $ 40001 -  45000      44      $1,871,653      $175,690      9.39          116
  $ 45001 -  50000      44      $2,086,795      $191,657      9.18          146
  $ 50001 -  75000     188     $11,630,384    $1,099,511      9.45          731
  $ 75001 - 100000      82      $6,951,210      $842,554     12.12          322
  OVER $100,000         81     $11,983,193    $2,155,932     17.99          328

                    ______________________________________________________________
  TOTAL                959     $41,855,970    $4,966,873     11.87         2315
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       16.6             0.9           0.1                    2.0
  $  5001 -  10000     9.5             1.6           0.5                    2.9
  $ 10001 -  15000     5.2             1.4           0.8                    2.2
  $ 15001 -  20000     5.8             2.3           1.3                    3.8
  $ 20001 -  25000     5.5             2.8           1.8                    4.2
  $ 25001 -  30000     4.6             2.9           2.0                    4.7
  $ 30001 -  35000     3.4             2.6           1.7                    3.8
  $ 35001 -  40000     3.5             3.1           1.9                    5.3
  $ 40001 -  45000     4.6             4.5           3.5                    5.0
  $ 45001 -  50000     4.6             5.0           3.9                    6.3
  $ 50001 -  75000    19.6            27.8          22.1                   31.6
  $ 75001 - 100000     8.6            16.6          17.0                   13.9
  OVER $100,000        8.4            28.6          43.4                   14.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,276           $36                   0.30
  $  5001 -  10000                  $7,246          $299                   0.73
  $ 10001 -  15000                 $12,107          $764                   1.04
  $ 15001 -  20000                 $17,376        $1,135                   1.59
  $ 20001 -  25000                 $21,990        $1,699                   1.85
  $ 25001 -  30000                 $27,405        $2,203                   2.48
  $ 30001 -  35000                 $32,514        $2,629                   2.70
  $ 35001 -  40000                 $37,906        $2,740                   3.59
  $ 40001 -  45000                 $42,538        $3,993                   2.64
  $ 45001 -  50000                 $47,427        $4,356                   3.32
  $ 50001 -  75000                 $61,864        $5,848                   3.89
  $ 75001 - 100000                 $84,771       $10,275                   3.93
  OVER $100,000                   $147,941       $26,616                   4.05

                    ______________________________________________________________
  TOTAL                            $43,645        $5,179                   2.41
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      PRICE UT
                        _________________________________________________
  UNDER $1              25       $-279,028            $0      0.00           52
  $     1  -  5000     876      $2,200,637       $19,119      0.87          593
  $  5001 -  10000     598      $4,353,168       $99,041      2.28          798
  $ 10001 -  15000     461      $5,731,655      $215,511      3.76          852
  $ 15001 -  20000     344      $5,962,851      $321,525      5.39          728
  $ 20001 -  25000     317      $7,129,311      $498,751      7.00          737
  $ 25001 -  30000     297      $8,168,123      $685,785      8.40          693
  $ 30001 -  35000     270      $8,762,719      $758,607      8.66          748
  $ 35001 -  40000     249      $9,344,838      $849,714      9.09          749
  $ 40001 -  45000     227      $9,637,405      $943,362      9.79          709
  $ 45001 -  50000     200      $9,509,717      $956,164     10.05          687
  $ 50001 -  75000     751     $46,076,846    $5,238,747     11.37         2710
  $ 75001 - 100000     217     $18,089,877    $2,595,422     14.35          793
  OVER $100,000        100     $15,533,354    $3,276,197     21.09          352

                    ______________________________________________________________
  TOTAL               4932    $150,221,473   $16,457,945     10.96        11201
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.2           0.0                    0.5
  $     1  -  5000    17.8             1.5           0.1                    5.3
  $  5001 -  10000    12.1             2.9           0.6                    7.1
  $ 10001 -  15000     9.3             3.8           1.3                    7.6
  $ 15001 -  20000     7.0             4.0           2.0                    6.5
  $ 20001 -  25000     6.4             4.7           3.0                    6.6
  $ 25001 -  30000     6.0             5.4           4.2                    6.2
  $ 30001 -  35000     5.5             5.8           4.6                    6.7
  $ 35001 -  40000     5.0             6.2           5.2                    6.7
  $ 40001 -  45000     4.6             6.4           5.7                    6.3
  $ 45001 -  50000     4.1             6.3           5.8                    6.1
  $ 50001 -  75000    15.2            30.7          31.8                   24.2
  $ 75001 - 100000     4.4            12.0          15.8                    7.1
  OVER $100,000        2.0            10.3          19.9                    3.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-11,161            $0                   2.08
  $     1  -  5000                  $2,512           $22                   0.68
  $  5001 -  10000                  $7,280          $166                   1.33
  $ 10001 -  15000                 $12,433          $467                   1.85
  $ 15001 -  20000                 $17,334          $935                   2.12
  $ 20001 -  25000                 $22,490        $1,573                   2.32
  $ 25001 -  30000                 $27,502        $2,309                   2.33
  $ 30001 -  35000                 $32,455        $2,810                   2.77
  $ 35001 -  40000                 $37,529        $3,413                   3.01
  $ 40001 -  45000                 $42,456        $4,156                   3.12
  $ 45001 -  50000                 $47,549        $4,781                   3.44
  $ 50001 -  75000                 $61,354        $6,976                   3.61
  $ 75001 - 100000                 $83,363       $11,960                   3.65
  OVER $100,000                   $155,334       $32,762                   3.52

                    ______________________________________________________________
  TOTAL                            $30,459        $3,337                   2.27
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      PROVIDENCE UT
                        _________________________________________________
  UNDER $ 5,000        251        $572,849        $8,574      1.50           72
  $  5001 -  10000     151      $1,135,771       $50,349      4.43          101
  $ 10001 -  15000     119      $1,469,518       $85,197      5.80          152
  $ 15001 -  20000      87      $1,514,858       $88,920      5.87          163
  $ 20001 -  25000      71      $1,598,438       $95,754      5.99          182
  $ 25001 -  30000      59      $1,630,982      $108,627      6.66          175
  $ 30001 -  35000      65      $2,118,948      $151,214      7.14          223
  $ 35001 -  40000      63      $2,364,218      $183,042      7.74          219
  $ 40001 -  45000      67      $2,856,707      $230,509      8.07          262
  $ 45001 -  50000      59      $2,807,680      $226,232      8.06          248
  $ 50001 -  75000     254     $15,372,301    $1,482,271      9.64         1026
  $ 75001 - 100000      92      $7,859,562    $1,009,006     12.84          376
  $100001 - 250000      79     $10,862,828    $1,942,834     17.89          318
  OVER $250,000         15      $9,625,163    $2,753,443     28.61           61

                    ______________________________________________________________
  TOTAL               1432     $61,789,823    $8,415,972     13.62         3578
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       17.5             0.9           0.1                    2.0
  $  5001 -  10000    10.5             1.8           0.6                    2.8
  $ 10001 -  15000     8.3             2.4           1.0                    4.2
  $ 15001 -  20000     6.1             2.5           1.1                    4.6
  $ 20001 -  25000     5.0             2.6           1.1                    5.1
  $ 25001 -  30000     4.1             2.6           1.3                    4.9
  $ 30001 -  35000     4.5             3.4           1.8                    6.2
  $ 35001 -  40000     4.4             3.8           2.2                    6.1
  $ 40001 -  45000     4.7             4.6           2.7                    7.3
  $ 45001 -  50000     4.1             4.5           2.7                    6.9
  $ 50001 -  75000    17.7            24.9          17.6                   28.7
  $ 75001 - 100000     6.4            12.7          12.0                   10.5
  $100001 - 250000     5.5            17.6          23.1                    8.9
  OVER $250,000        1.0            15.6          32.7                    1.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,282           $34                   0.29
  $  5001 -  10000                  $7,522          $333                   0.67
  $ 10001 -  15000                 $12,349          $716                   1.28
  $ 15001 -  20000                 $17,412        $1,022                   1.87
  $ 20001 -  25000                 $22,513        $1,349                   2.56
  $ 25001 -  30000                 $27,644        $1,841                   2.97
  $ 30001 -  35000                 $32,599        $2,326                   3.43
  $ 35001 -  40000                 $37,527        $2,905                   3.48
  $ 40001 -  45000                 $42,637        $3,440                   3.91
  $ 45001 -  50000                 $47,588        $3,834                   4.20
  $ 50001 -  75000                 $60,521        $5,836                   4.04
  $ 75001 - 100000                 $85,430       $10,967                   4.09
  $100001 - 250000                $137,504       $24,593                   4.03
  OVER $250,000                   $641,678      $183,563                   4.07

                    ______________________________________________________________
  TOTAL                            $43,149        $5,877                   2.50
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      PROVO UT
                        _________________________________________________
  UNDER $1             225     $-5,440,310       $20,678     -0.38          360
  $     1  -  5000    5675     $15,695,851      $136,866      0.87         3523
  $  5001 -  10000    5662     $41,605,070    $1,054,897      2.54         6925
  $ 10001 -  15000    4401     $54,719,488    $2,264,641      4.14         7770
  $ 15001 -  20000    3369     $58,585,875    $3,343,934      5.71         7051
  $ 20001 -  25000    2495     $55,863,287    $3,770,135      6.75         5965
  $ 25001 -  30000    1877     $51,467,632    $3,912,327      7.60         4787
  $ 30001 -  35000    1522     $49,376,105    $4,030,303      8.16         4173
  $ 35001 -  40000    1251     $46,744,163    $3,972,267      8.50         3841
  $ 40001 -  45000    1002     $42,394,838    $3,789,555      8.94         3168
  $ 45001 -  50000     801     $37,981,609    $3,550,701      9.35         2627
  $ 50001 -  75000    2181    $131,982,169   $13,464,122     10.20         7752
  $ 75001 - 100000     817     $70,264,610    $8,847,826     12.59         3117
  $100001 - 250000     666     $94,717,357   $16,511,092     17.43         2485
  OVER $250,000        162     $79,961,936   $22,113,711     27.66          640

                    ______________________________________________________________
  TOTAL              32106    $825,919,680   $90,783,055     10.99        64184
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.7           0.0                    0.6
  $     1  -  5000    17.7             1.9           0.2                    5.5
  $  5001 -  10000    17.6             5.0           1.2                   10.8
  $ 10001 -  15000    13.7             6.6           2.5                   12.1
  $ 15001 -  20000    10.5             7.1           3.7                   11.0
  $ 20001 -  25000     7.8             6.8           4.2                    9.3
  $ 25001 -  30000     5.8             6.2           4.3                    7.5
  $ 30001 -  35000     4.7             6.0           4.4                    6.5
  $ 35001 -  40000     3.9             5.7           4.4                    6.0
  $ 40001 -  45000     3.1             5.1           4.2                    4.9
  $ 45001 -  50000     2.5             4.6           3.9                    4.1
  $ 50001 -  75000     6.8            16.0          14.8                   12.1
  $ 75001 - 100000     2.5             8.5           9.7                    4.9
  $100001 - 250000     2.1            11.5          18.2                    3.9
  OVER $250,000        0.5             9.7          24.4                    1.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-24,179           $92                   1.60
  $     1  -  5000                  $2,766           $24                   0.62
  $  5001 -  10000                  $7,348          $186                   1.22
  $ 10001 -  15000                 $12,433          $515                   1.77
  $ 15001 -  20000                 $17,390          $993                   2.09
  $ 20001 -  25000                 $22,390        $1,511                   2.39
  $ 25001 -  30000                 $27,420        $2,084                   2.55
  $ 30001 -  35000                 $32,442        $2,648                   2.74
  $ 35001 -  40000                 $37,365        $3,175                   3.07
  $ 40001 -  45000                 $42,310        $3,782                   3.16
  $ 45001 -  50000                 $47,418        $4,433                   3.28
  $ 50001 -  75000                 $60,515        $6,173                   3.55
  $ 75001 - 100000                 $86,003       $10,830                   3.82
  $100001 - 250000                $142,218       $24,791                   3.73
  OVER $250,000                   $493,592      $136,504                   3.95

                    ______________________________________________________________
  TOTAL                            $25,725        $2,828                   2.00
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      RICHFIELD UT
                        _________________________________________________
  UNDER $1              15       $-528,940        $4,430     -0.84           37
  $     1  -  5000     456      $1,175,660       $13,765      1.17          264
  $  5001 -  10000     336      $2,501,403       $80,389      3.21          405
  $ 10001 -  15000     264      $3,234,876      $123,892      3.83          460
  $ 15001 -  20000     195      $3,397,776      $152,372      4.48          461
  $ 20001 -  25000     180      $4,079,507      $253,690      6.22          480
  $ 25001 -  30000     159      $4,384,256      $313,091      7.14          464
  $ 30001 -  35000     110      $3,561,956      $267,515      7.51          355
  $ 35001 -  40000     124      $4,657,964      $385,271      8.27          432
  $ 40001 -  45000     106      $4,491,897      $404,388      9.00          368
  $ 45001 -  50000     108      $5,128,970      $481,342      9.38          373
  $ 50001 -  75000     290     $17,673,736    $1,845,414     10.44         1134
  $ 75001 - 100000      87      $7,358,895      $978,783     13.30          336
  OVER $100,000         67      $9,355,358    $1,620,926     17.33          290

                    ______________________________________________________________
  TOTAL               2497     $70,473,314    $6,925,268      9.83         5859
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.8           0.1                    0.6
  $     1  -  5000    18.3             1.7           0.2                    4.5
  $  5001 -  10000    13.5             3.5           1.2                    6.9
  $ 10001 -  15000    10.6             4.6           1.8                    7.9
  $ 15001 -  20000     7.8             4.8           2.2                    7.9
  $ 20001 -  25000     7.2             5.8           3.7                    8.2
  $ 25001 -  30000     6.4             6.2           4.5                    7.9
  $ 30001 -  35000     4.4             5.1           3.9                    6.1
  $ 35001 -  40000     5.0             6.6           5.6                    7.4
  $ 40001 -  45000     4.2             6.4           5.8                    6.3
  $ 45001 -  50000     4.3             7.3           7.0                    6.4
  $ 50001 -  75000    11.6            25.1          26.6                   19.4
  $ 75001 - 100000     3.5            10.4          14.1                    5.7
  OVER $100,000        2.7            13.3          23.4                    4.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-35,263          $295                   2.47
  $     1  -  5000                  $2,578           $30                   0.58
  $  5001 -  10000                  $7,445          $239                   1.21
  $ 10001 -  15000                 $12,253          $469                   1.74
  $ 15001 -  20000                 $17,424          $781                   2.36
  $ 20001 -  25000                 $22,664        $1,409                   2.67
  $ 25001 -  30000                 $27,574        $1,969                   2.92
  $ 30001 -  35000                 $32,381        $2,432                   3.23
  $ 35001 -  40000                 $37,564        $3,107                   3.48
  $ 40001 -  45000                 $42,376        $3,815                   3.47
  $ 45001 -  50000                 $47,490        $4,457                   3.45
  $ 50001 -  75000                 $60,944        $6,363                   3.91
  $ 75001 - 100000                 $84,585       $11,250                   3.86
  OVER $100,000                   $139,632       $24,193                   4.33

                    ______________________________________________________________
  TOTAL                            $28,223        $2,773                   2.35
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      RICHMOND UT
                        _________________________________________________
  UNDER $ 5,000        109        $238,723        $2,040      0.85           33
  $  5001 -  10000     108        $807,230       $25,628      3.17          100
  $ 10001 -  15000      70        $898,809       $45,145      5.02          110
  $ 15001 -  20000      74      $1,278,723       $67,078      5.25          160
  $ 20001 -  25000      69      $1,568,636      $103,034      6.57          184
  $ 25001 -  30000      76      $2,093,347      $143,277      6.84          227
  $ 30001 -  35000      77      $2,484,750      $187,549      7.55          254
  $ 35001 -  40000      48      $1,801,656      $134,692      7.48          189
  $ 40001 -  45000      53      $2,252,938      $182,200      8.09          220
  $ 45001 -  50000      44      $2,089,763      $177,774      8.51          172
  $ 50001 -  75000      80      $4,792,774      $493,526     10.30          302
  $ 75001 - 100000      24      $1,955,654      $269,277     13.77           81
  OVER $100,000         11      $2,163,781      $498,364     23.03           36

                    ______________________________________________________________
  TOTAL                843     $24,426,784    $2,329,584      9.54         2068
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       12.9             1.0           0.1                    1.6
  $  5001 -  10000    12.8             3.3           1.1                    4.8
  $ 10001 -  15000     8.3             3.7           1.9                    5.3
  $ 15001 -  20000     8.8             5.2           2.9                    7.7
  $ 20001 -  25000     8.2             6.4           4.4                    8.9
  $ 25001 -  30000     9.0             8.6           6.2                   11.0
  $ 30001 -  35000     9.1            10.2           8.1                   12.3
  $ 35001 -  40000     5.7             7.4           5.8                    9.1
  $ 40001 -  45000     6.3             9.2           7.8                   10.6
  $ 45001 -  50000     5.2             8.6           7.6                    8.3
  $ 50001 -  75000     9.5            19.6          21.2                   14.6
  $ 75001 - 100000     2.8             8.0          11.6                    3.9
  OVER $100,000        1.3             8.9          21.4                    1.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,190           $19                   0.30
  $  5001 -  10000                  $7,474          $237                   0.93
  $ 10001 -  15000                 $12,840          $645                   1.57
  $ 15001 -  20000                 $17,280          $906                   2.16
  $ 20001 -  25000                 $22,734        $1,493                   2.67
  $ 25001 -  30000                 $27,544        $1,885                   2.99
  $ 30001 -  35000                 $32,269        $2,436                   3.30
  $ 35001 -  40000                 $37,535        $2,806                   3.94
  $ 40001 -  45000                 $42,508        $3,438                   4.15
  $ 45001 -  50000                 $47,495        $4,040                   3.91
  $ 50001 -  75000                 $59,910        $6,169                   3.78
  $ 75001 - 100000                 $81,486       $11,220                   3.38
  OVER $100,000                   $196,707       $45,306                   3.27

                    ______________________________________________________________
  TOTAL                            $28,976        $2,763                   2.45
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      RIVERDALE UT
                        _________________________________________________
  UNDER $ 5,000        217        $501,001        $2,256      0.45          135
  $  5001 -  10000     197      $1,474,682       $46,605      3.16          207
  $ 10001 -  15000     161      $1,987,697      $111,387      5.60          213
  $ 15001 -  20000     145      $2,504,304      $173,523      6.93          243
  $ 20001 -  25000     149      $3,349,769      $245,476      7.33          327
  $ 25001 -  30000     134      $3,683,387      $305,496      8.29          298
  $ 30001 -  35000      96      $3,101,084      $278,995      9.00          247
  $ 35001 -  40000      96      $3,581,523      $339,766      9.49          259
  $ 40001 -  45000      78      $3,311,708      $336,693     10.17          218
  $ 45001 -  50000      70      $3,350,291      $351,650     10.50          218
  $ 50001 -  75000     236     $14,161,430    $1,612,630     11.39          739
  $ 75001 - 100000      57      $4,782,118      $651,390     13.62          200
  OVER $100,000         32      $4,306,090      $860,157     19.98           87

                    ______________________________________________________________
  TOTAL               1668     $50,095,084    $5,316,024     10.61         3391
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       13.0             1.0           0.0                    4.0
  $  5001 -  10000    11.8             2.9           0.9                    6.1
  $ 10001 -  15000     9.7             4.0           2.1                    6.3
  $ 15001 -  20000     8.7             5.0           3.3                    7.2
  $ 20001 -  25000     8.9             6.7           4.6                    9.6
  $ 25001 -  30000     8.0             7.4           5.7                    8.8
  $ 30001 -  35000     5.8             6.2           5.2                    7.3
  $ 35001 -  40000     5.8             7.1           6.4                    7.6
  $ 40001 -  45000     4.7             6.6           6.3                    6.4
  $ 45001 -  50000     4.2             6.7           6.6                    6.4
  $ 50001 -  75000    14.1            28.3          30.3                   21.8
  $ 75001 - 100000     3.4             9.5          12.3                    5.9
  OVER $100,000        1.9             8.6          16.2                    2.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,309           $10                   0.62
  $  5001 -  10000                  $7,486          $237                   1.05
  $ 10001 -  15000                 $12,346          $692                   1.32
  $ 15001 -  20000                 $17,271        $1,197                   1.68
  $ 20001 -  25000                 $22,482        $1,647                   2.19
  $ 25001 -  30000                 $27,488        $2,280                   2.22
  $ 30001 -  35000                 $32,303        $2,906                   2.57
  $ 35001 -  40000                 $37,308        $3,539                   2.70
  $ 40001 -  45000                 $42,458        $4,317                   2.79
  $ 45001 -  50000                 $47,861        $5,024                   3.11
  $ 50001 -  75000                 $60,006        $6,833                   3.13
  $ 75001 - 100000                 $83,897       $11,428                   3.51
  OVER $100,000                   $134,565       $26,880                   2.72

                    ______________________________________________________________
  TOTAL                            $30,033        $3,187                   2.03
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      RIVERTON UT
                        _________________________________________________
  UNDER $1              29       $-239,874        $3,407     -1.42           60
  $     1  -  5000    1030      $2,555,902       $20,786      0.81          300
  $  5001 -  10000     619      $4,569,902      $184,090      4.03          490
  $ 10001 -  15000     543      $6,806,388      $381,367      5.60          770
  $ 15001 -  20000     470      $8,180,646      $512,555      6.27          881
  $ 20001 -  25000     370      $8,293,746      $553,021      6.67          865
  $ 25001 -  30000     345      $9,506,857      $636,574      6.70          968
  $ 30001 -  35000     334     $10,850,335      $709,899      6.54         1142
  $ 35001 -  40000     452     $16,994,168    $1,214,947      7.15         1623
  $ 40001 -  45000     486     $20,604,073    $1,565,877      7.60         1851
  $ 45001 -  50000     502     $23,791,321    $1,957,594      8.23         1947
  $ 50001 -  75000    1714    $103,279,300    $9,531,803      9.23         6855
  $ 75001 - 100000     478     $40,196,734    $5,024,043     12.50         1843
  $100001 - 250000     206     $26,472,246    $4,646,385     17.55          782
  OVER $250,000         19      $8,823,546    $2,340,280     26.52           54

                    ______________________________________________________________
  TOTAL               7597    $290,685,290   $29,282,628     10.07        20431
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.1           0.0                    0.3
  $     1  -  5000    13.6             0.9           0.1                    1.5
  $  5001 -  10000     8.1             1.6           0.6                    2.4
  $ 10001 -  15000     7.1             2.3           1.3                    3.8
  $ 15001 -  20000     6.2             2.8           1.8                    4.3
  $ 20001 -  25000     4.9             2.9           1.9                    4.2
  $ 25001 -  30000     4.5             3.3           2.2                    4.7
  $ 30001 -  35000     4.4             3.7           2.4                    5.6
  $ 35001 -  40000     5.9             5.8           4.1                    7.9
  $ 40001 -  45000     6.4             7.1           5.3                    9.1
  $ 45001 -  50000     6.6             8.2           6.7                    9.5
  $ 50001 -  75000    22.6            35.5          32.6                   33.6
  $ 75001 - 100000     6.3            13.8          17.2                    9.0
  $100001 - 250000     2.7             9.1          15.9                    3.8
  OVER $250,000        0.3             3.0           8.0                    0.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-8,272          $117                   2.07
  $     1  -  5000                  $2,481           $20                   0.29
  $  5001 -  10000                  $7,383          $297                   0.79
  $ 10001 -  15000                 $12,535          $702                   1.42
  $ 15001 -  20000                 $17,406        $1,091                   1.87
  $ 20001 -  25000                 $22,416        $1,495                   2.34
  $ 25001 -  30000                 $27,556        $1,845                   2.81
  $ 30001 -  35000                 $32,486        $2,125                   3.42
  $ 35001 -  40000                 $37,598        $2,688                   3.59
  $ 40001 -  45000                 $42,395        $3,222                   3.81
  $ 45001 -  50000                 $47,393        $3,900                   3.88
  $ 50001 -  75000                 $60,256        $5,561                   4.00
  $ 75001 - 100000                 $84,094       $10,511                   3.86
  $100001 - 250000                $128,506       $22,555                   3.80
  OVER $250,000                   $464,397      $123,173                   2.84

                    ______________________________________________________________
  TOTAL                            $38,263        $3,854                   2.69
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      ROOSEVELT UT
                        _________________________________________________
  UNDER $1              41     $-1,254,464         $-244      0.02           87
  $     1  -  5000     474      $1,130,942        $8,035      0.71          356
  $  5001 -  10000     347      $2,583,516       $53,454      2.07          565
  $ 10001 -  15000     280      $3,490,468      $101,948      2.92          665
  $ 15001 -  20000     215      $3,794,465      $172,789      4.55          570
  $ 20001 -  25000     209      $4,685,180      $246,304      5.26          670
  $ 25001 -  30000     199      $5,429,633      $348,486      6.42          674
  $ 30001 -  35000     188      $6,110,462      $464,844      7.61          632
  $ 35001 -  40000     156      $5,837,812      $479,066      8.21          573
  $ 40001 -  45000     124      $5,248,908      $445,168      8.48          486
  $ 45001 -  50000      95      $4,499,930      $384,369      8.54          398
  $ 50001 -  75000     245     $14,655,879    $1,544,610     10.54          923
  $ 75001 - 100000      52      $4,393,311      $565,937     12.88          216
  OVER $100,000         49      $7,048,301    $1,254,774     17.80          214

                    ______________________________________________________________
  TOTAL               2674     $67,654,343    $6,069,540      8.97         7029
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.5            -1.9          -0.0                    1.2
  $     1  -  5000    17.7             1.7           0.1                    5.1
  $  5001 -  10000    13.0             3.8           0.9                    8.0
  $ 10001 -  15000    10.5             5.2           1.7                    9.5
  $ 15001 -  20000     8.0             5.6           2.8                    8.1
  $ 20001 -  25000     7.8             6.9           4.1                    9.5
  $ 25001 -  30000     7.4             8.0           5.7                    9.6
  $ 30001 -  35000     7.0             9.0           7.7                    9.0
  $ 35001 -  40000     5.8             8.6           7.9                    8.2
  $ 40001 -  45000     4.6             7.8           7.3                    6.9
  $ 45001 -  50000     3.6             6.7           6.3                    5.7
  $ 50001 -  75000     9.2            21.7          25.4                   13.1
  $ 75001 - 100000     1.9             6.5           9.3                    3.1
  OVER $100,000        1.8            10.4          20.7                    3.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-30,597           $-6                   2.12
  $     1  -  5000                  $2,386           $17                   0.75
  $  5001 -  10000                  $7,445          $154                   1.63
  $ 10001 -  15000                 $12,466          $364                   2.38
  $ 15001 -  20000                 $17,649          $804                   2.65
  $ 20001 -  25000                 $22,417        $1,178                   3.21
  $ 25001 -  30000                 $27,285        $1,751                   3.39
  $ 30001 -  35000                 $32,502        $2,473                   3.36
  $ 35001 -  40000                 $37,422        $3,071                   3.67
  $ 40001 -  45000                 $42,330        $3,590                   3.92
  $ 45001 -  50000                 $47,368        $4,046                   4.19
  $ 50001 -  75000                 $59,820        $6,305                   3.77
  $ 75001 - 100000                 $84,487       $10,883                   4.15
  OVER $100,000                   $143,843       $25,608                   4.37

                    ______________________________________________________________
  TOTAL                            $25,301        $2,270                   2.63
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      ROY UT
                        _________________________________________________
  UNDER $1              30       $-597,079           $69     -0.01           50
  $     1  -  5000    1430      $3,609,365       $26,685      0.74          585
  $  5001 -  10000    1239      $9,261,048      $294,133      3.18         1196
  $ 10001 -  15000    1149     $14,409,610      $714,138      4.96         1718
  $ 15001 -  20000    1100     $19,174,932    $1,226,690      6.40         1965
  $ 20001 -  25000    1063     $23,760,941    $1,729,601      7.28         2222
  $ 25001 -  30000     949     $26,039,265    $2,040,700      7.84         2247
  $ 30001 -  35000     847     $27,494,645    $2,263,658      8.23         2314
  $ 35001 -  40000     890     $33,388,631    $2,998,217      8.98         2574
  $ 40001 -  45000     811     $34,439,790    $3,165,307      9.19         2538
  $ 45001 -  50000     720     $34,186,680    $3,267,987      9.56         2368
  $ 50001 -  75000    2132    $127,935,897   $13,707,898     10.71         7362
  $ 75001 - 100000     456     $38,300,987    $5,372,691     14.03         1537
  $100001 - 250000     151     $19,813,292    $3,663,620     18.49          482
  OVER $250,000         23     $13,796,652    $4,244,491     30.76           89

                    ______________________________________________________________
  TOTAL              12990    $425,014,656   $44,715,885     10.52        29247
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.2            -0.1           0.0                    0.2
  $     1  -  5000    11.0             0.8           0.1                    2.0
  $  5001 -  10000     9.5             2.2           0.7                    4.1
  $ 10001 -  15000     8.8             3.4           1.6                    5.9
  $ 15001 -  20000     8.5             4.5           2.7                    6.7
  $ 20001 -  25000     8.2             5.6           3.9                    7.6
  $ 25001 -  30000     7.3             6.1           4.6                    7.7
  $ 30001 -  35000     6.5             6.5           5.1                    7.9
  $ 35001 -  40000     6.9             7.9           6.7                    8.8
  $ 40001 -  45000     6.2             8.1           7.1                    8.7
  $ 45001 -  50000     5.5             8.0           7.3                    8.1
  $ 50001 -  75000    16.4            30.1          30.7                   25.2
  $ 75001 - 100000     3.5             9.0          12.0                    5.3
  $100001 - 250000     1.2             4.7           8.2                    1.6
  OVER $250,000        0.2             3.2           9.5                    0.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-19,903            $2                   1.67
  $     1  -  5000                  $2,524           $19                   0.41
  $  5001 -  10000                  $7,475          $237                   0.97
  $ 10001 -  15000                 $12,541          $622                   1.50
  $ 15001 -  20000                 $17,432        $1,115                   1.79
  $ 20001 -  25000                 $22,353        $1,627                   2.09
  $ 25001 -  30000                 $27,439        $2,150                   2.37
  $ 30001 -  35000                 $32,461        $2,673                   2.73
  $ 35001 -  40000                 $37,515        $3,369                   2.89
  $ 40001 -  45000                 $42,466        $3,903                   3.13
  $ 45001 -  50000                 $47,482        $4,539                   3.29
  $ 50001 -  75000                 $60,007        $6,430                   3.45
  $ 75001 - 100000                 $83,993       $11,782                   3.37
  $100001 - 250000                $131,214       $24,262                   3.19
  OVER $250,000                   $599,854      $184,543                   3.87

                    ______________________________________________________________
  TOTAL                            $32,719        $3,442                   2.25
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SALEM UT
                        _________________________________________________
  UNDER $1              19       $-650,786            $0      0.00           36
  $     1  -  5000     242        $613,832        $9,876      1.61           80
  $  5001 -  10000     174      $1,262,221       $49,727      3.94          150
  $ 10001 -  15000     124      $1,523,108       $70,998      4.66          214
  $ 15001 -  20000      98      $1,708,125      $103,116      6.04          187
  $ 20001 -  25000      80      $1,782,149      $113,727      6.38          209
  $ 25001 -  30000      75      $2,060,120      $135,678      6.59          226
  $ 30001 -  35000      79      $2,576,273      $182,938      7.10          272
  $ 35001 -  40000      98      $3,678,488      $261,180      7.10          378
  $ 40001 -  45000      82      $3,488,796      $257,498      7.38          321
  $ 45001 -  50000      83      $3,942,798      $296,828      7.53          349
  $ 50001 -  75000     229     $13,853,614    $1,341,874      9.69          956
  $ 75001 - 100000      62      $5,175,232      $630,218     12.18          265
  OVER $100,000         63     $13,008,565    $2,783,701     21.40          298

                    ______________________________________________________________
  TOTAL               1508     $54,022,535    $6,237,359     11.55         3941
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.3            -1.2           0.0                    0.9
  $     1  -  5000    16.0             1.1           0.2                    2.0
  $  5001 -  10000    11.5             2.3           0.8                    3.8
  $ 10001 -  15000     8.2             2.8           1.1                    5.4
  $ 15001 -  20000     6.5             3.2           1.7                    4.7
  $ 20001 -  25000     5.3             3.3           1.8                    5.3
  $ 25001 -  30000     5.0             3.8           2.2                    5.7
  $ 30001 -  35000     5.2             4.8           2.9                    6.9
  $ 35001 -  40000     6.5             6.8           4.2                    9.6
  $ 40001 -  45000     5.4             6.5           4.1                    8.1
  $ 45001 -  50000     5.5             7.3           4.8                    8.9
  $ 50001 -  75000    15.2            25.6          21.5                   24.3
  $ 75001 - 100000     4.1             9.6          10.1                    6.7
  OVER $100,000        4.2            24.1          44.6                    7.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-34,252            $0                   1.89
  $     1  -  5000                  $2,536           $41                   0.33
  $  5001 -  10000                  $7,254          $286                   0.86
  $ 10001 -  15000                 $12,283          $573                   1.73
  $ 15001 -  20000                 $17,430        $1,052                   1.91
  $ 20001 -  25000                 $22,277        $1,422                   2.61
  $ 25001 -  30000                 $27,468        $1,809                   3.01
  $ 30001 -  35000                 $32,611        $2,316                   3.44
  $ 35001 -  40000                 $37,536        $2,665                   3.86
  $ 40001 -  45000                 $42,546        $3,140                   3.91
  $ 45001 -  50000                 $47,504        $3,576                   4.20
  $ 50001 -  75000                 $60,496        $5,860                   4.17
  $ 75001 - 100000                 $83,471       $10,165                   4.27
  OVER $100,000                   $206,485       $44,186                   4.73

                    ______________________________________________________________
  TOTAL                            $35,824        $4,136                   2.61
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SALINA UT
                        _________________________________________________
  UNDER $1              12       $-482,701       $19,074     -3.95           26
  $     1  -  5000     139        $369,014        $1,795      0.49          125
  $  5001 -  10000     108        $812,264       $21,104      2.60          157
  $ 10001 -  15000      80      $1,008,976       $32,263      3.20          163
  $ 15001 -  20000      70      $1,221,658       $56,201      4.60          181
  $ 20001 -  25000      75      $1,665,989       $96,494      5.79          209
  $ 25001 -  30000      53      $1,455,890      $103,039      7.08          164
  $ 30001 -  35000      41      $1,333,836      $105,648      7.92          139
  $ 35001 -  40000      38      $1,427,608      $119,051      8.34          136
  $ 40001 -  45000      37      $1,581,867      $144,763      9.15          139
  $ 45001 -  50000      44      $2,100,375      $192,474      9.16          163
  $ 50001 -  75000      85      $5,087,263      $561,326     11.03          321
  $ 75001 - 100000      15      $1,255,348      $168,471     13.42           62
  OVER $100,000         16      $6,173,650    $1,974,293     31.98           50

                    ______________________________________________________________
  TOTAL                813     $25,011,037    $3,595,996     14.38         2035
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.5            -1.9           0.5                    1.3
  $     1  -  5000    17.1             1.5           0.0                    6.1
  $  5001 -  10000    13.3             3.2           0.6                    7.7
  $ 10001 -  15000     9.8             4.0           0.9                    8.0
  $ 15001 -  20000     8.6             4.9           1.6                    8.9
  $ 20001 -  25000     9.2             6.7           2.7                   10.3
  $ 25001 -  30000     6.5             5.8           2.9                    8.1
  $ 30001 -  35000     5.0             5.3           2.9                    6.8
  $ 35001 -  40000     4.7             5.7           3.3                    6.7
  $ 40001 -  45000     4.6             6.3           4.0                    6.8
  $ 45001 -  50000     5.4             8.4           5.4                    8.0
  $ 50001 -  75000    10.5            20.3          15.6                   15.8
  $ 75001 - 100000     1.8             5.0           4.7                    3.0
  OVER $100,000        2.0            24.7          54.9                    2.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-40,225        $1,590                   2.17
  $     1  -  5000                  $2,655           $13                   0.90
  $  5001 -  10000                  $7,521          $195                   1.45
  $ 10001 -  15000                 $12,612          $403                   2.04
  $ 15001 -  20000                 $17,452          $803                   2.59
  $ 20001 -  25000                 $22,213        $1,287                   2.79
  $ 25001 -  30000                 $27,470        $1,944                   3.09
  $ 30001 -  35000                 $32,533        $2,577                   3.39
  $ 35001 -  40000                 $37,569        $3,133                   3.58
  $ 40001 -  45000                 $42,753        $3,913                   3.76
  $ 45001 -  50000                 $47,736        $4,374                   3.70
  $ 50001 -  75000                 $59,850        $6,604                   3.78
  $ 75001 - 100000                 $83,690       $11,231                   4.13
  OVER $100,000                   $385,853      $123,393                   3.13

                    ______________________________________________________________
  TOTAL                            $30,764        $4,423                   2.50
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SALT LAKE CITY UT
                        _________________________________________________
  UNDER $1             977    $-28,929,607       $99,825     -0.35         1502
  $     1  -  5000   18431     $48,730,669      $735,405      1.51        11038
  $  5001 -  10000   18667    $139,775,579    $4,092,813      2.93        20891
  $ 10001 -  15000   18583    $232,544,470   $11,885,395      5.11        27632
  $ 15001 -  20000   17288    $301,055,419   $20,198,558      6.71        29450
  $ 20001 -  25000   13567    $303,651,705   $24,114,521      7.94        24949
  $ 25001 -  30000   10921    $299,562,642   $26,215,608      8.75        21629
  $ 30001 -  35000    9103    $294,975,328   $27,496,643      9.32        19672
  $ 35001 -  40000    7687    $287,549,108   $28,601,197      9.95        17650
  $ 40001 -  45000    6535    $277,133,365   $28,606,081     10.32        16317
  $ 45001 -  50000    5413    $256,726,796   $27,465,946     10.70        14092
  $ 50001 -  75000   16795  $1,017,319,314  $118,103,497     11.61        48487
  $ 75001 - 100000    6846    $584,935,153   $83,366,879     14.25        20833
  $100001 - 250000    6840    $981,700,782  $183,547,338     18.70        21947
  OVER $250,000       1652  $1,031,277,862  $291,673,487     28.28         5213

                    ______________________________________________________________
  TOTAL             159305  $6,028,008,585  $876,203,193     14.54       301302
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.5           0.0                    0.5
  $     1  -  5000    11.6             0.8           0.1                    3.7
  $  5001 -  10000    11.7             2.3           0.5                    6.9
  $ 10001 -  15000    11.7             3.9           1.4                    9.2
  $ 15001 -  20000    10.9             5.0           2.3                    9.8
  $ 20001 -  25000     8.5             5.0           2.8                    8.3
  $ 25001 -  30000     6.9             5.0           3.0                    7.2
  $ 30001 -  35000     5.7             4.9           3.1                    6.5
  $ 35001 -  40000     4.8             4.8           3.3                    5.9
  $ 40001 -  45000     4.1             4.6           3.3                    5.4
  $ 45001 -  50000     3.4             4.3           3.1                    4.7
  $ 50001 -  75000    10.5            16.9          13.5                   16.1
  $ 75001 - 100000     4.3             9.7           9.5                    6.9
  $100001 - 250000     4.3            16.3          20.9                    7.3
  OVER $250,000        1.0            17.1          33.3                    1.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-29,611          $102                   1.54
  $     1  -  5000                  $2,644           $40                   0.60
  $  5001 -  10000                  $7,488          $219                   1.12
  $ 10001 -  15000                 $12,514          $640                   1.49
  $ 15001 -  20000                 $17,414        $1,168                   1.70
  $ 20001 -  25000                 $22,382        $1,777                   1.84
  $ 25001 -  30000                 $27,430        $2,400                   1.98
  $ 30001 -  35000                 $32,404        $3,021                   2.16
  $ 35001 -  40000                 $37,407        $3,721                   2.30
  $ 40001 -  45000                 $42,408        $4,377                   2.50
  $ 45001 -  50000                 $47,428        $5,074                   2.60
  $ 50001 -  75000                 $60,573        $7,032                   2.89
  $ 75001 - 100000                 $85,442       $12,177                   3.04
  $100001 - 250000                $143,524       $26,834                   3.21
  OVER $250,000                   $624,260      $176,558                   3.16

                    ______________________________________________________________
  TOTAL                            $37,839        $5,500                   1.89
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SANDY UT
                        _________________________________________________
  UNDER $1             197    $-18,648,508       $12,629     -0.07          381
  $     1  -  5000    6914     $17,314,290      $266,875      1.54         1868
  $  5001 -  10000    4619     $33,920,743    $1,405,442      4.14         3371
  $ 10001 -  15000    3488     $43,416,228    $2,558,362      5.89         4430
  $ 15001 -  20000    2962     $51,552,270    $3,525,340      6.84         4916
  $ 20001 -  25000    2332     $52,313,761    $3,884,288      7.42         4687
  $ 25001 -  30000    1961     $53,822,273    $4,239,986      7.88         4458
  $ 30001 -  35000    1826     $59,289,188    $4,793,707      8.09         4741
  $ 35001 -  40000    1829     $68,623,336    $5,803,529      8.46         5399
  $ 40001 -  45000    1790     $76,033,856    $6,544,385      8.61         5800
  $ 45001 -  50000    1545     $73,275,342    $6,621,098      9.04         5209
  $ 50001 -  75000    6799    $417,311,711   $41,939,863     10.05        24649
  $ 75001 - 100000    3345    $287,015,073   $36,906,079     12.86        12411
  $100001 - 250000    2934    $407,630,296   $70,832,067     17.38        11285
  OVER $250,000        471    $260,518,841   $77,381,317     29.70         1824

                    ______________________________________________________________
  TOTAL              43012  $1,883,388,700  $266,714,967     14.16        95429
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -1.0           0.0                    0.4
  $     1  -  5000    16.1             0.9           0.1                    2.0
  $  5001 -  10000    10.7             1.8           0.5                    3.5
  $ 10001 -  15000     8.1             2.3           1.0                    4.6
  $ 15001 -  20000     6.9             2.7           1.3                    5.2
  $ 20001 -  25000     5.4             2.8           1.5                    4.9
  $ 25001 -  30000     4.6             2.9           1.6                    4.7
  $ 30001 -  35000     4.2             3.1           1.8                    5.0
  $ 35001 -  40000     4.3             3.6           2.2                    5.7
  $ 40001 -  45000     4.2             4.0           2.5                    6.1
  $ 45001 -  50000     3.6             3.9           2.5                    5.5
  $ 50001 -  75000    15.8            22.2          15.7                   25.8
  $ 75001 - 100000     7.8            15.2          13.8                   13.0
  $100001 - 250000     6.8            21.6          26.6                   11.8
  OVER $250,000        1.1            13.8          29.0                    1.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-94,662           $64                   1.93
  $     1  -  5000                  $2,504           $39                   0.27
  $  5001 -  10000                  $7,344          $304                   0.73
  $ 10001 -  15000                 $12,447          $733                   1.27
  $ 15001 -  20000                 $17,405        $1,190                   1.66
  $ 20001 -  25000                 $22,433        $1,666                   2.01
  $ 25001 -  30000                 $27,446        $2,162                   2.27
  $ 30001 -  35000                 $32,469        $2,625                   2.60
  $ 35001 -  40000                 $37,520        $3,173                   2.95
  $ 40001 -  45000                 $42,477        $3,656                   3.24
  $ 45001 -  50000                 $47,427        $4,286                   3.37
  $ 50001 -  75000                 $61,378        $6,169                   3.63
  $ 75001 - 100000                 $85,804       $11,033                   3.71
  $100001 - 250000                $138,933       $24,142                   3.85
  OVER $250,000                   $553,119      $164,292                   3.87

                    ______________________________________________________________
  TOTAL                            $43,788        $6,201                   2.22
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SANTA CLARA UT
                        _________________________________________________
  UNDER $1              13       $-191,078            $0      0.00           43
  $     1  -  5000     228        $635,190        $9,344      1.47           75
  $  5001 -  10000     178      $1,282,362       $60,053      4.68          161
  $ 10001 -  15000     113      $1,409,845       $67,012      4.75          181
  $ 15001 -  20000      93      $1,622,193       $81,219      5.01          201
  $ 20001 -  25000      78      $1,747,952       $89,326      5.11          209
  $ 25001 -  30000      73      $1,991,381      $136,563      6.86          208
  $ 30001 -  35000      68      $2,227,901      $153,145      6.87          235
  $ 35001 -  40000      67      $2,511,569      $183,079      7.29          242
  $ 40001 -  45000      81      $3,428,507      $247,894      7.23          327
  $ 45001 -  50000      63      $2,993,901      $237,985      7.95          247
  $ 50001 -  75000     225     $13,558,684    $1,214,763      8.96          938
  $ 75001 - 100000      63      $5,268,031      $638,862     12.13          282
  OVER $100,000         41      $7,322,087    $1,384,924     18.91          194

                    ______________________________________________________________
  TOTAL               1384     $45,808,525    $4,504,169      9.83         3543
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.9            -0.4           0.0                    1.2
  $     1  -  5000    16.5             1.4           0.2                    2.1
  $  5001 -  10000    12.9             2.8           1.3                    4.5
  $ 10001 -  15000     8.2             3.1           1.5                    5.1
  $ 15001 -  20000     6.7             3.5           1.8                    5.7
  $ 20001 -  25000     5.6             3.8           2.0                    5.9
  $ 25001 -  30000     5.3             4.3           3.0                    5.9
  $ 30001 -  35000     4.9             4.9           3.4                    6.6
  $ 35001 -  40000     4.8             5.5           4.1                    6.8
  $ 40001 -  45000     5.9             7.5           5.5                    9.2
  $ 45001 -  50000     4.6             6.5           5.3                    7.0
  $ 50001 -  75000    16.3            29.6          27.0                   26.5
  $ 75001 - 100000     4.6            11.5          14.2                    8.0
  OVER $100,000        3.0            16.0          30.7                    5.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-14,698            $0                   3.31
  $     1  -  5000                  $2,786           $41                   0.33
  $  5001 -  10000                  $7,204          $337                   0.90
  $ 10001 -  15000                 $12,477          $593                   1.60
  $ 15001 -  20000                 $17,443          $873                   2.16
  $ 20001 -  25000                 $22,410        $1,145                   2.68
  $ 25001 -  30000                 $27,279        $1,871                   2.85
  $ 30001 -  35000                 $32,763        $2,252                   3.46
  $ 35001 -  40000                 $37,486        $2,733                   3.61
  $ 40001 -  45000                 $42,327        $3,060                   4.04
  $ 45001 -  50000                 $47,522        $3,778                   3.92
  $ 50001 -  75000                 $60,261        $5,399                   4.17
  $ 75001 - 100000                 $83,620       $10,141                   4.48
  OVER $100,000                   $178,587       $33,779                   4.73

                    ______________________________________________________________
  TOTAL                            $33,099        $3,254                   2.56
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SANTAQUIN UT
                        _________________________________________________
  UNDER $ 5,000        136        $104,424        $3,238      3.10           89
  $  5001 -  10000     154      $1,119,480       $30,366      2.71          221
  $ 10001 -  15000     141      $1,726,228       $57,665      3.34          311
  $ 15001 -  20000      98      $1,695,465       $87,684      5.17          238
  $ 20001 -  25000     101      $2,265,401      $120,844      5.33          335
  $ 25001 -  30000     101      $2,789,966      $180,282      6.46          326
  $ 30001 -  35000      85      $2,763,832      $189,707      6.86          314
  $ 35001 -  40000      65      $2,439,359      $191,707      7.86          234
  $ 40001 -  45000      71      $3,014,106      $235,672      7.82          309
  $ 45001 -  50000      65      $3,086,991      $263,245      8.53          281
  $ 50001 -  75000     142      $8,398,419      $807,717      9.62          590
  $ 75001 - 250000      21      $2,023,547      $297,926     14.72           84

                    ______________________________________________________________
  TOTAL               1180     $31,427,218    $2,466,053      7.85         3332
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       11.5             0.3           0.1                    2.7
  $  5001 -  10000    13.1             3.6           1.2                    6.6
  $ 10001 -  15000    11.9             5.5           2.3                    9.3
  $ 15001 -  20000     8.3             5.4           3.6                    7.1
  $ 20001 -  25000     8.6             7.2           4.9                   10.1
  $ 25001 -  30000     8.6             8.9           7.3                    9.8
  $ 30001 -  35000     7.2             8.8           7.7                    9.4
  $ 35001 -  40000     5.5             7.8           7.8                    7.0
  $ 40001 -  45000     6.0             9.6           9.6                    9.3
  $ 45001 -  50000     5.5             9.8          10.7                    8.4
  $ 50001 -  75000    12.0            26.7          32.8                   17.7
  $ 75001 - 250000     1.8             6.4          12.1                    2.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                       $768           $24                   0.65
  $  5001 -  10000                  $7,269          $197                   1.44
  $ 10001 -  15000                 $12,243          $409                   2.21
  $ 15001 -  20000                 $17,301          $895                   2.43
  $ 20001 -  25000                 $22,430        $1,196                   3.32
  $ 25001 -  30000                 $27,623        $1,785                   3.23
  $ 30001 -  35000                 $32,516        $2,232                   3.69
  $ 35001 -  40000                 $37,529        $2,949                   3.60
  $ 40001 -  45000                 $42,452        $3,319                   4.35
  $ 45001 -  50000                 $47,492        $4,050                   4.32
  $ 50001 -  75000                 $59,144        $5,688                   4.15
  $ 75001 - 250000                 $96,359       $14,187                   4.00

                    ______________________________________________________________
  TOTAL                            $26,633        $2,090                   2.82
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SMITHFIELD UT
                        _________________________________________________
  UNDER $1              13       $-596,213            $0      0.00           43
  $     1  -  5000     354        $899,157        $7,215      0.80          130
  $  5001 -  10000     291      $2,174,498       $82,860      3.81          247
  $ 10001 -  15000     240      $2,998,727      $129,418      4.32          403
  $ 15001 -  20000     211      $3,688,171      $208,820      5.66          445
  $ 20001 -  25000     208      $4,681,675      $294,107      6.28          520
  $ 25001 -  30000     170      $4,670,890      $322,269      6.90          510
  $ 30001 -  35000     156      $5,092,410      $384,091      7.54          515
  $ 35001 -  40000     181      $6,771,109      $536,099      7.92          649
  $ 40001 -  45000     156      $6,644,309      $489,156      7.36          656
  $ 45001 -  50000     114      $5,395,129      $466,442      8.65          460
  $ 50001 -  75000     383     $22,809,433    $2,245,035      9.84         1538
  $ 75001 - 100000      73      $6,149,739      $788,775     12.83          317
  OVER $100,000         56      $9,495,730    $1,876,418     19.76          221

                    ______________________________________________________________
  TOTAL               2606     $80,874,764    $7,830,705      9.68         6654
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.7           0.0                    0.6
  $     1  -  5000    13.6             1.1           0.1                    2.0
  $  5001 -  10000    11.2             2.7           1.1                    3.7
  $ 10001 -  15000     9.2             3.7           1.7                    6.1
  $ 15001 -  20000     8.1             4.6           2.7                    6.7
  $ 20001 -  25000     8.0             5.8           3.8                    7.8
  $ 25001 -  30000     6.5             5.8           4.1                    7.7
  $ 30001 -  35000     6.0             6.3           4.9                    7.7
  $ 35001 -  40000     6.9             8.4           6.8                    9.8
  $ 40001 -  45000     6.0             8.2           6.2                    9.9
  $ 45001 -  50000     4.4             6.7           6.0                    6.9
  $ 50001 -  75000    14.7            28.2          28.7                   23.1
  $ 75001 - 100000     2.8             7.6          10.1                    4.8
  OVER $100,000        2.1            11.7          24.0                    3.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-45,863            $0                   3.31
  $     1  -  5000                  $2,540           $20                   0.37
  $  5001 -  10000                  $7,473          $285                   0.85
  $ 10001 -  15000                 $12,495          $539                   1.68
  $ 15001 -  20000                 $17,479          $990                   2.11
  $ 20001 -  25000                 $22,508        $1,414                   2.50
  $ 25001 -  30000                 $27,476        $1,896                   3.00
  $ 30001 -  35000                 $32,644        $2,462                   3.30
  $ 35001 -  40000                 $37,409        $2,962                   3.59
  $ 40001 -  45000                 $42,592        $3,136                   4.21
  $ 45001 -  50000                 $47,326        $4,092                   4.04
  $ 50001 -  75000                 $59,555        $5,862                   4.02
  $ 75001 - 100000                 $84,243       $10,805                   4.34
  OVER $100,000                   $169,567       $33,507                   3.95

                    ______________________________________________________________
  TOTAL                            $31,034        $3,005                   2.55
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SOUTH JORDAN UT
                        _________________________________________________
  UNDER $1              32     $-1,312,856            $0      0.00           92
  $     1  -  5000    1702      $4,211,285       $41,642      0.99          340
  $  5001 -  10000     972      $7,044,522      $325,098      4.61          537
  $ 10001 -  15000     633      $7,873,379      $486,151      6.17          745
  $ 15001 -  20000     528      $9,157,236      $618,692      6.76          846
  $ 20001 -  25000     356      $7,937,169      $567,316      7.15          737
  $ 25001 -  30000     306      $8,428,183      $616,090      7.31          775
  $ 30001 -  35000     311     $10,097,809      $706,907      7.00          937
  $ 35001 -  40000     304     $11,405,973      $842,762      7.39         1053
  $ 40001 -  45000     311     $13,238,867      $977,533      7.38         1153
  $ 45001 -  50000     370     $17,527,728    $1,322,514      7.55         1506
  $ 50001 -  75000    1794    $111,498,085    $9,969,932      8.94         7638
  $ 75001 - 100000     864     $73,839,493    $8,578,124     11.62         3707
  $100001 - 250000     513     $68,270,662   $11,226,053     16.44         2279
  OVER $250,000         54     $24,667,440    $6,998,747     28.37          208

                    ______________________________________________________________
  TOTAL               9050    $373,884,975   $43,277,561     11.58        22553
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.4           0.0                    0.4
  $     1  -  5000    18.8             1.1           0.1                    1.5
  $  5001 -  10000    10.7             1.9           0.8                    2.4
  $ 10001 -  15000     7.0             2.1           1.1                    3.3
  $ 15001 -  20000     5.8             2.4           1.4                    3.8
  $ 20001 -  25000     3.9             2.1           1.3                    3.3
  $ 25001 -  30000     3.4             2.3           1.4                    3.4
  $ 30001 -  35000     3.4             2.7           1.6                    4.2
  $ 35001 -  40000     3.4             3.1           1.9                    4.7
  $ 40001 -  45000     3.4             3.5           2.3                    5.1
  $ 45001 -  50000     4.1             4.7           3.1                    6.7
  $ 50001 -  75000    19.8            29.8          23.0                   33.9
  $ 75001 - 100000     9.5            19.7          19.8                   16.4
  $100001 - 250000     5.7            18.3          25.9                   10.1
  OVER $250,000        0.6             6.6          16.2                    0.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-41,027            $0                   2.88
  $     1  -  5000                  $2,474           $24                   0.20
  $  5001 -  10000                  $7,247          $334                   0.55
  $ 10001 -  15000                 $12,438          $768                   1.18
  $ 15001 -  20000                 $17,343        $1,172                   1.60
  $ 20001 -  25000                 $22,295        $1,594                   2.07
  $ 25001 -  30000                 $27,543        $2,013                   2.53
  $ 30001 -  35000                 $32,469        $2,273                   3.01
  $ 35001 -  40000                 $37,520        $2,772                   3.46
  $ 40001 -  45000                 $42,569        $3,143                   3.71
  $ 45001 -  50000                 $47,372        $3,574                   4.07
  $ 50001 -  75000                 $62,151        $5,557                   4.26
  $ 75001 - 100000                 $85,462        $9,928                   4.29
  $100001 - 250000                $133,081       $21,883                   4.44
  OVER $250,000                   $456,804      $129,606                   3.85

                    ______________________________________________________________
  TOTAL                            $41,313        $4,782                   2.49
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SOUTH OGDEN UT
                        _________________________________________________
  UNDER $ 5,000        191        $457,759        $8,627      1.88           69
  $  5001 -  10000     137      $1,021,839       $38,074      3.73          137
  $ 10001 -  15000     131      $1,653,838       $87,513      5.29          169
  $ 15001 -  20000     109      $1,918,464      $121,119      6.31          201
  $ 20001 -  25000     110      $2,482,444      $181,153      7.30          238
  $ 25001 -  30000     113      $3,103,398      $242,109      7.80          270
  $ 30001 -  35000      92      $2,991,859      $260,800      8.72          218
  $ 35001 -  40000      81      $3,034,283      $273,244      9.01          216
  $ 40001 -  45000      51      $2,176,186      $206,932      9.51          152
  $ 45001 -  50000      43      $2,020,629      $209,172     10.35          107
  $ 50001 -  75000     252     $15,307,322    $1,633,807     10.67          790
  $ 75001 - 100000     111      $9,457,813    $1,295,626     13.70          362
  OVER $100,000         74     $12,388,288    $2,573,956     20.78          249

                    ______________________________________________________________
  TOTAL               1495     $58,014,122    $7,132,132     12.29         3178
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       12.8             0.8           0.1                    2.2
  $  5001 -  10000     9.2             1.8           0.5                    4.3
  $ 10001 -  15000     8.8             2.9           1.2                    5.3
  $ 15001 -  20000     7.3             3.3           1.7                    6.3
  $ 20001 -  25000     7.4             4.3           2.5                    7.5
  $ 25001 -  30000     7.6             5.3           3.4                    8.5
  $ 30001 -  35000     6.2             5.2           3.7                    6.9
  $ 35001 -  40000     5.4             5.2           3.8                    6.8
  $ 40001 -  45000     3.4             3.8           2.9                    4.8
  $ 45001 -  50000     2.9             3.5           2.9                    3.4
  $ 50001 -  75000    16.9            26.4          22.9                   24.9
  $ 75001 - 100000     7.4            16.3          18.2                   11.4
  OVER $100,000        4.9            21.4          36.1                    7.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,397           $45                   0.36
  $  5001 -  10000                  $7,459          $278                   1.00
  $ 10001 -  15000                 $12,625          $668                   1.29
  $ 15001 -  20000                 $17,601        $1,111                   1.84
  $ 20001 -  25000                 $22,568        $1,647                   2.16
  $ 25001 -  30000                 $27,464        $2,143                   2.39
  $ 30001 -  35000                 $32,520        $2,835                   2.37
  $ 35001 -  40000                 $37,460        $3,373                   2.67
  $ 40001 -  45000                 $42,670        $4,057                   2.98
  $ 45001 -  50000                 $46,991        $4,864                   2.49
  $ 50001 -  75000                 $60,743        $6,483                   3.13
  $ 75001 - 100000                 $85,206       $11,672                   3.26
  OVER $100,000                   $167,409       $34,783                   3.36

                    ______________________________________________________________
  TOTAL                            $38,805        $4,771                   2.13
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SOUTH SALT LAKE UT
                        _________________________________________________
  UNDER $ 5,000        139        $348,939          $642      0.18          202
  $  5001 -  10000     234      $1,774,648       $24,103      1.36          427
  $ 10001 -  15000     249      $3,104,355      $119,503      3.85          485
  $ 15001 -  20000     231      $3,990,145      $223,459      5.60          500
  $ 20001 -  25000     166      $3,680,783      $268,238      7.29          382
  $ 25001 -  30000      82      $2,255,829      $193,546      8.58          187
  $ 30001 -  35000      72      $2,320,415      $222,193      9.58          155
  $ 35001 -  40000      52      $1,932,445      $186,637      9.66          123
  $ 40001 -  45000      36      $1,523,985      $162,656     10.67           90
  $ 45001 -  50000      22      $1,046,816      $109,723     10.48           70
  $ 50001 -  75000      27      $1,521,980      $186,724     12.27           67
  $ 75001 - 250000      13      $1,240,612      $188,551     15.20           47

                    ______________________________________________________________
  TOTAL               1323     $24,740,952    $1,885,975      7.62         2735
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       10.5             1.4           0.0                    7.4
  $  5001 -  10000    17.7             7.2           1.3                   15.6
  $ 10001 -  15000    18.8            12.5           6.3                   17.7
  $ 15001 -  20000    17.5            16.1          11.8                   18.3
  $ 20001 -  25000    12.5            14.9          14.2                   14.0
  $ 25001 -  30000     6.2             9.1          10.3                    6.8
  $ 30001 -  35000     5.4             9.4          11.8                    5.7
  $ 35001 -  40000     3.9             7.8           9.9                    4.5
  $ 40001 -  45000     2.7             6.2           8.6                    3.3
  $ 45001 -  50000     1.7             4.2           5.8                    2.6
  $ 50001 -  75000     2.0             6.2           9.9                    2.4
  $ 75001 - 250000     1.0             5.0          10.0                    1.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,510            $5                   1.45
  $  5001 -  10000                  $7,584          $103                   1.82
  $ 10001 -  15000                 $12,467          $480                   1.95
  $ 15001 -  20000                 $17,273          $967                   2.16
  $ 20001 -  25000                 $22,173        $1,616                   2.30
  $ 25001 -  30000                 $27,510        $2,360                   2.28
  $ 30001 -  35000                 $32,228        $3,086                   2.15
  $ 35001 -  40000                 $37,162        $3,589                   2.37
  $ 40001 -  45000                 $42,333        $4,518                   2.50
  $ 45001 -  50000                 $47,583        $4,987                   3.18
  $ 50001 -  75000                 $56,370        $6,916                   2.48
  $ 75001 - 250000                 $95,432       $14,504                   3.62

                    ______________________________________________________________
  TOTAL                            $18,701        $1,426                   2.07
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SOUTH WEBER UT
                        _________________________________________________
  UNDER $ 5,000        163        $371,484        $3,611      0.97           49
  $  5001 -  10000     118        $838,317       $33,805      4.03           80
  $ 10001 -  15000      82      $1,019,910       $73,353      7.19           90
  $ 15001 -  20000      42        $718,046       $53,361      7.43           64
  $ 20001 -  25000      37        $837,541       $58,518      6.99           79
  $ 25001 -  30000      43      $1,185,918       $89,502      7.55           97
  $ 30001 -  35000      39      $1,278,239      $107,183      8.39          106
  $ 35001 -  40000      34      $1,294,119      $106,415      8.22          112
  $ 40001 -  45000      62      $2,645,559      $224,108      8.47          228
  $ 45001 -  50000      54      $2,571,783      $218,158      8.48          208
  $ 50001 -  75000     241     $14,709,348    $1,350,059      9.18         1028
  $ 75001 - 100000      81      $6,839,500      $879,370     12.86          321
  OVER $100,000         33      $4,461,995      $796,108     17.84          133

                    ______________________________________________________________
  TOTAL               1029     $38,771,759    $3,993,551     10.30         2595
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       15.8             1.0           0.1                    1.9
  $  5001 -  10000    11.5             2.2           0.8                    3.1
  $ 10001 -  15000     8.0             2.6           1.8                    3.5
  $ 15001 -  20000     4.1             1.9           1.3                    2.5
  $ 20001 -  25000     3.6             2.2           1.5                    3.0
  $ 25001 -  30000     4.2             3.1           2.2                    3.7
  $ 30001 -  35000     3.8             3.3           2.7                    4.1
  $ 35001 -  40000     3.3             3.3           2.7                    4.3
  $ 40001 -  45000     6.0             6.8           5.6                    8.8
  $ 45001 -  50000     5.2             6.6           5.5                    8.0
  $ 50001 -  75000    23.4            37.9          33.8                   39.6
  $ 75001 - 100000     7.9            17.6          22.0                   12.4
  OVER $100,000        3.2            11.5          19.9                    5.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,279           $22                   0.30
  $  5001 -  10000                  $7,104          $286                   0.68
  $ 10001 -  15000                 $12,438          $895                   1.10
  $ 15001 -  20000                 $17,096        $1,271                   1.52
  $ 20001 -  25000                 $22,636        $1,582                   2.14
  $ 25001 -  30000                 $27,579        $2,081                   2.26
  $ 30001 -  35000                 $32,775        $2,748                   2.72
  $ 35001 -  40000                 $38,062        $3,130                   3.29
  $ 40001 -  45000                 $42,670        $3,615                   3.68
  $ 45001 -  50000                 $47,626        $4,040                   3.85
  $ 50001 -  75000                 $61,035        $5,602                   4.27
  $ 75001 - 100000                 $84,438       $10,856                   3.96
  OVER $100,000                   $135,212       $24,124                   4.03

                    ______________________________________________________________
  TOTAL                            $37,679        $3,881                   2.52
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SPANISH FORK UT
                        _________________________________________________
  UNDER $1              38     $-1,241,685            $0      0.00          104
  $     1  -  5000     999      $2,714,725       $24,154      0.89          460
  $  5001 -  10000     771      $5,684,179      $187,648      3.30          780
  $ 10001 -  15000     589      $7,333,033      $354,385      4.83          997
  $ 15001 -  20000     566      $9,894,066      $562,886      5.69         1161
  $ 20001 -  25000     535     $12,047,287      $771,516      6.40         1376
  $ 25001 -  30000     494     $13,558,424      $908,686      6.70         1492
  $ 30001 -  35000     451     $14,615,281    $1,069,550      7.32         1460
  $ 35001 -  40000     478     $17,939,414    $1,373,670      7.66         1716
  $ 40001 -  45000     466     $19,782,563    $1,610,585      8.14         1772
  $ 45001 -  50000     373     $17,710,909    $1,485,784      8.39         1504
  $ 50001 -  75000    1097     $65,378,916    $6,326,931      9.68         4396
  $ 75001 - 100000     234     $19,636,454    $2,559,627     13.04          879
  $100001 - 250000     123     $16,669,421    $2,815,146     16.89          527
  OVER $250,000         19     $15,448,564    $5,025,573     32.53           78

                    ______________________________________________________________
  TOTAL               7233    $237,171,551   $25,076,141     10.57        18702
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.5           0.0                    0.6
  $     1  -  5000    13.8             1.1           0.1                    2.5
  $  5001 -  10000    10.7             2.4           0.7                    4.2
  $ 10001 -  15000     8.1             3.1           1.4                    5.3
  $ 15001 -  20000     7.8             4.2           2.2                    6.2
  $ 20001 -  25000     7.4             5.1           3.1                    7.4
  $ 25001 -  30000     6.8             5.7           3.6                    8.0
  $ 30001 -  35000     6.2             6.2           4.3                    7.8
  $ 35001 -  40000     6.6             7.6           5.5                    9.2
  $ 40001 -  45000     6.4             8.3           6.4                    9.5
  $ 45001 -  50000     5.2             7.5           5.9                    8.0
  $ 50001 -  75000    15.2            27.6          25.2                   23.5
  $ 75001 - 100000     3.2             8.3          10.2                    4.7
  $100001 - 250000     1.7             7.0          11.2                    2.8
  OVER $250,000        0.3             6.5          20.0                    0.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-32,676            $0                   2.74
  $     1  -  5000                  $2,717           $24                   0.46
  $  5001 -  10000                  $7,372          $243                   1.01
  $ 10001 -  15000                 $12,450          $602                   1.69
  $ 15001 -  20000                 $17,481          $994                   2.05
  $ 20001 -  25000                 $22,518        $1,442                   2.57
  $ 25001 -  30000                 $27,446        $1,839                   3.02
  $ 30001 -  35000                 $32,406        $2,372                   3.24
  $ 35001 -  40000                 $37,530        $2,874                   3.59
  $ 40001 -  45000                 $42,452        $3,456                   3.80
  $ 45001 -  50000                 $47,482        $3,983                   4.03
  $ 50001 -  75000                 $59,598        $5,767                   4.01
  $ 75001 - 100000                 $83,916       $10,939                   3.76
  $100001 - 250000                $135,524       $22,887                   4.28
  OVER $250,000                   $813,082      $264,504                   4.11

                    ______________________________________________________________
  TOTAL                            $32,790        $3,467                   2.59
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SPRINGVILLE UT
                        _________________________________________________
  UNDER $1              32       $-480,763          $660     -0.14           76
  $     1  -  5000     895      $2,387,537       $23,521      0.99          370
  $  5001 -  10000     690      $5,120,720      $157,609      3.08          721
  $ 10001 -  15000     597      $7,483,435      $323,877      4.33         1013
  $ 15001 -  20000     558      $9,740,786      $547,399      5.62         1177
  $ 20001 -  25000     485     $10,939,224      $719,361      6.58         1175
  $ 25001 -  30000     440     $12,065,612      $830,697      6.88         1259
  $ 30001 -  35000     399     $12,949,393      $975,159      7.53         1232
  $ 35001 -  40000     376     $14,075,919    $1,096,084      7.79         1352
  $ 40001 -  45000     299     $12,667,808    $1,050,362      8.29         1107
  $ 45001 -  50000     263     $12,476,312    $1,120,476      8.98          943
  $ 50001 -  75000     861     $52,029,412    $5,147,599      9.89         3311
  $ 75001 - 100000     229     $19,390,007    $2,426,687     12.52          918
  $100001 - 250000     149     $20,192,577    $3,431,413     16.99          592
  OVER $250,000         17      $9,889,202    $2,670,602     27.01           58

                    ______________________________________________________________
  TOTAL               6290    $200,927,181   $20,521,506     10.21        15304
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.2           0.0                    0.5
  $     1  -  5000    14.2             1.2           0.1                    2.4
  $  5001 -  10000    11.0             2.5           0.8                    4.7
  $ 10001 -  15000     9.5             3.7           1.6                    6.6
  $ 15001 -  20000     8.9             4.8           2.7                    7.7
  $ 20001 -  25000     7.7             5.4           3.5                    7.7
  $ 25001 -  30000     7.0             6.0           4.0                    8.2
  $ 30001 -  35000     6.3             6.4           4.8                    8.1
  $ 35001 -  40000     6.0             7.0           5.3                    8.8
  $ 40001 -  45000     4.8             6.3           5.1                    7.2
  $ 45001 -  50000     4.2             6.2           5.5                    6.2
  $ 50001 -  75000    13.7            25.9          25.1                   21.6
  $ 75001 - 100000     3.6             9.7          11.8                    6.0
  $100001 - 250000     2.4            10.0          16.7                    3.9
  OVER $250,000        0.3             4.9          13.0                    0.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-15,024           $21                   2.38
  $     1  -  5000                  $2,668           $26                   0.41
  $  5001 -  10000                  $7,421          $228                   1.04
  $ 10001 -  15000                 $12,535          $543                   1.70
  $ 15001 -  20000                 $17,457          $981                   2.11
  $ 20001 -  25000                 $22,555        $1,483                   2.42
  $ 25001 -  30000                 $27,422        $1,888                   2.86
  $ 30001 -  35000                 $32,455        $2,444                   3.09
  $ 35001 -  40000                 $37,436        $2,915                   3.60
  $ 40001 -  45000                 $42,367        $3,513                   3.70
  $ 45001 -  50000                 $47,438        $4,260                   3.59
  $ 50001 -  75000                 $60,429        $5,979                   3.85
  $ 75001 - 100000                 $84,673       $10,597                   4.01
  $100001 - 250000                $135,521       $23,030                   3.97
  OVER $250,000                   $581,718      $157,094                   3.41

                    ______________________________________________________________
  TOTAL                            $31,944        $3,263                   2.43
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      ST GEORGE UT
                        _________________________________________________
  UNDER $1             176     $-5,890,629        $7,927     -0.13          356
  $     1  -  5000    2137      $5,781,948       $68,136      1.18         1402
  $  5001 -  10000    2035     $15,071,358      $393,820      2.61         2611
  $ 10001 -  15000    1832     $22,900,808      $881,019      3.85         3312
  $ 15001 -  20000    1664     $29,014,924    $1,450,634      5.00         3594
  $ 20001 -  25000    1314     $29,441,205    $1,802,817      6.12         3135
  $ 25001 -  30000    1085     $29,760,032    $2,090,671      7.03         2825
  $ 30001 -  35000     925     $30,031,174    $2,284,847      7.61         2591
  $ 35001 -  40000     779     $29,187,141    $2,382,645      8.16         2374
  $ 40001 -  45000     643     $27,221,290    $2,392,525      8.79         1923
  $ 45001 -  50000     567     $26,854,524    $2,399,020      8.93         1892
  $ 50001 -  75000    1707    $103,269,963   $10,686,589     10.35         5809
  $ 75001 - 100000     597     $50,686,054    $6,724,937     13.27         1985
  $100001 - 250000     437     $62,408,198   $11,119,617     17.82         1506
  OVER $250,000         93     $58,647,045   $16,079,221     27.42          316

                    ______________________________________________________________
  TOTAL              15991    $514,385,035   $60,764,425     11.81        35631
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.1            -1.1           0.0                    1.0
  $     1  -  5000    13.4             1.1           0.1                    3.9
  $  5001 -  10000    12.7             2.9           0.6                    7.3
  $ 10001 -  15000    11.5             4.5           1.4                    9.3
  $ 15001 -  20000    10.4             5.6           2.4                   10.1
  $ 20001 -  25000     8.2             5.7           3.0                    8.8
  $ 25001 -  30000     6.8             5.8           3.4                    7.9
  $ 30001 -  35000     5.8             5.8           3.8                    7.3
  $ 35001 -  40000     4.9             5.7           3.9                    6.7
  $ 40001 -  45000     4.0             5.3           3.9                    5.4
  $ 45001 -  50000     3.5             5.2           3.9                    5.3
  $ 50001 -  75000    10.7            20.1          17.6                   16.3
  $ 75001 - 100000     3.7             9.9          11.1                    5.6
  $100001 - 250000     2.7            12.1          18.3                    4.2
  OVER $250,000        0.6            11.4          26.5                    0.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-33,469           $45                   2.02
  $     1  -  5000                  $2,706           $32                   0.66
  $  5001 -  10000                  $7,406          $194                   1.28
  $ 10001 -  15000                 $12,500          $481                   1.81
  $ 15001 -  20000                 $17,437          $872                   2.16
  $ 20001 -  25000                 $22,406        $1,372                   2.39
  $ 25001 -  30000                 $27,429        $1,927                   2.60
  $ 30001 -  35000                 $32,466        $2,470                   2.80
  $ 35001 -  40000                 $37,467        $3,059                   3.05
  $ 40001 -  45000                 $42,335        $3,721                   2.99
  $ 45001 -  50000                 $47,362        $4,231                   3.34
  $ 50001 -  75000                 $60,498        $6,260                   3.40
  $ 75001 - 100000                 $84,901       $11,265                   3.32
  $100001 - 250000                $142,811       $25,445                   3.45
  OVER $250,000                   $630,613      $172,895                   3.40

                    ______________________________________________________________
  TOTAL                            $32,167        $3,800                   2.23
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      STANSBURY PARK UT
                        _________________________________________________
  UNDER $ 5,000        109        $185,993        $3,600      1.94           20
  $  5001 -  10000      66        $478,522       $18,149      3.79           45
  $ 10001 -  15000      49        $628,169       $39,842      6.34           62
  $ 15001 -  20000      36        $630,463       $46,170      7.32           55
  $ 20001 -  25000      26        $582,896       $48,058      8.24           45
  $ 25001 -  30000      34        $928,487       $70,993      7.65           77
  $ 30001 -  35000      40      $1,324,686      $104,216      7.87          107
  $ 35001 -  40000      49      $1,833,524      $140,411      7.66          157
  $ 40001 -  45000      33      $1,407,155      $113,558      8.07          118
  $ 45001 -  50000      41      $1,954,265      $176,316      9.02          133
  $ 50001 -  75000     237     $14,532,938    $1,501,846     10.33          838
  $ 75001 - 100000      88      $7,471,086    $1,004,145     13.44          310
  OVER $100,000         56      $7,849,557    $1,436,836     18.30          193

                    ______________________________________________________________
  TOTAL                864     $39,807,741    $4,704,140     11.82         2160
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       12.6             0.5           0.1                    0.9
  $  5001 -  10000     7.6             1.2           0.4                    2.1
  $ 10001 -  15000     5.7             1.6           0.8                    2.9
  $ 15001 -  20000     4.2             1.6           1.0                    2.5
  $ 20001 -  25000     3.0             1.5           1.0                    2.1
  $ 25001 -  30000     3.9             2.3           1.5                    3.6
  $ 30001 -  35000     4.6             3.3           2.2                    5.0
  $ 35001 -  40000     5.7             4.6           3.0                    7.3
  $ 40001 -  45000     3.8             3.5           2.4                    5.5
  $ 45001 -  50000     4.7             4.9           3.7                    6.2
  $ 50001 -  75000    27.4            36.5          31.9                   38.8
  $ 75001 - 100000    10.2            18.8          21.3                   14.4
  OVER $100,000        6.5            19.7          30.5                    8.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,706           $33                   0.18
  $  5001 -  10000                  $7,250          $275                   0.68
  $ 10001 -  15000                 $12,820          $813                   1.27
  $ 15001 -  20000                 $17,513        $1,283                   1.53
  $ 20001 -  25000                 $22,419        $1,848                   1.73
  $ 25001 -  30000                 $27,308        $2,088                   2.26
  $ 30001 -  35000                 $33,117        $2,605                   2.68
  $ 35001 -  40000                 $37,419        $2,866                   3.20
  $ 40001 -  45000                 $42,641        $3,441                   3.58
  $ 45001 -  50000                 $47,665        $4,300                   3.24
  $ 50001 -  75000                 $61,320        $6,337                   3.54
  $ 75001 - 100000                 $84,899       $11,411                   3.52
  OVER $100,000                   $140,171       $25,658                   3.45

                    ______________________________________________________________
  TOTAL                            $46,074        $5,445                   2.50
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SUNSET UT
                        _________________________________________________
  UNDER $ 5,000        224        $588,453        $3,404      0.58          153
  $  5001 -  10000     182      $1,327,606       $34,606      2.61          223
  $ 10001 -  15000     223      $2,786,245      $127,243      4.57          349
  $ 15001 -  20000     207      $3,620,260      $225,731      6.24          382
  $ 20001 -  25000     207      $4,673,593      $345,610      7.39          435
  $ 25001 -  30000     183      $5,043,140      $409,669      8.12          424
  $ 30001 -  35000     143      $4,642,485      $410,605      8.84          356
  $ 35001 -  40000     156      $5,863,039      $555,028      9.47          417
  $ 40001 -  45000     124      $5,240,980      $512,924      9.79          357
  $ 45001 -  50000      85      $4,035,934      $408,610     10.12          252
  $ 50001 -  75000     204     $12,054,608    $1,387,912     11.51          646
  $ 75001 - 100000      38      $3,114,558      $463,017     14.87          107
  $100001 - 250000      10      $1,326,843      $274,294     20.67           28

                    ______________________________________________________________
  TOTAL               1986     $54,317,744    $5,158,653      9.50         4129
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       11.3             1.1           0.1                    3.7
  $  5001 -  10000     9.2             2.4           0.7                    5.4
  $ 10001 -  15000    11.2             5.1           2.5                    8.5
  $ 15001 -  20000    10.4             6.7           4.4                    9.3
  $ 20001 -  25000    10.4             8.6           6.7                   10.5
  $ 25001 -  30000     9.2             9.3           7.9                   10.3
  $ 30001 -  35000     7.2             8.5           8.0                    8.6
  $ 35001 -  40000     7.9            10.8          10.8                   10.1
  $ 40001 -  45000     6.2             9.6           9.9                    8.6
  $ 45001 -  50000     4.3             7.4           7.9                    6.1
  $ 50001 -  75000    10.3            22.2          26.9                   15.6
  $ 75001 - 100000     1.9             5.7           9.0                    2.6
  $100001 - 250000     0.5             2.4           5.3                    0.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,627           $15                   0.68
  $  5001 -  10000                  $7,295          $190                   1.23
  $ 10001 -  15000                 $12,494          $571                   1.57
  $ 15001 -  20000                 $17,489        $1,090                   1.85
  $ 20001 -  25000                 $22,578        $1,670                   2.10
  $ 25001 -  30000                 $27,558        $2,239                   2.32
  $ 30001 -  35000                 $32,465        $2,871                   2.49
  $ 35001 -  40000                 $37,584        $3,558                   2.67
  $ 40001 -  45000                 $42,266        $4,136                   2.88
  $ 45001 -  50000                 $47,482        $4,807                   2.96
  $ 50001 -  75000                 $59,091        $6,803                   3.17
  $ 75001 - 100000                 $81,962       $12,185                   2.82
  $100001 - 250000                $132,684       $27,429                   2.80

                    ______________________________________________________________
  TOTAL                            $27,350        $2,598                   2.08
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SYRACUSE UT
                        _________________________________________________
  UNDER $ 5,000        381        $910,620        $4,501      0.49          112
  $  5001 -  10000     248      $1,837,943       $72,065      3.92          187
  $ 10001 -  15000     193      $2,429,721      $123,746      5.09          292
  $ 15001 -  20000     178      $3,122,228      $215,257      6.89          304
  $ 20001 -  25000     161      $3,628,331      $264,714      7.30          348
  $ 25001 -  30000     148      $4,108,683      $296,821      7.22          411
  $ 30001 -  35000     163      $5,300,113      $396,088      7.47          499
  $ 35001 -  40000     136      $5,076,139      $387,078      7.63          505
  $ 40001 -  45000     163      $6,907,531      $561,625      8.13          611
  $ 45001 -  50000     152      $7,210,468      $620,318      8.60          608
  $ 50001 -  75000     492     $29,716,404    $2,952,969      9.94         1919
  $ 75001 - 100000     126     $10,572,374    $1,375,560     13.01          476
  $100001 - 250000      39      $5,093,399      $886,897     17.41          157
  OVER $250,000         10      $6,664,911    $2,117,681     31.77           41

                    ______________________________________________________________
  TOTAL               2590     $92,578,865   $10,275,320     11.10         6470
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       14.7             1.0           0.0                    1.7
  $  5001 -  10000     9.6             2.0           0.7                    2.9
  $ 10001 -  15000     7.5             2.6           1.2                    4.5
  $ 15001 -  20000     6.9             3.4           2.1                    4.7
  $ 20001 -  25000     6.2             3.9           2.6                    5.4
  $ 25001 -  30000     5.7             4.4           2.9                    6.4
  $ 30001 -  35000     6.3             5.7           3.9                    7.7
  $ 35001 -  40000     5.3             5.5           3.8                    7.8
  $ 40001 -  45000     6.3             7.5           5.5                    9.4
  $ 45001 -  50000     5.9             7.8           6.0                    9.4
  $ 50001 -  75000    19.0            32.1          28.7                   29.7
  $ 75001 - 100000     4.9            11.4          13.4                    7.4
  $100001 - 250000     1.5             5.5           8.6                    2.4
  OVER $250,000        0.4             7.2          20.6                    0.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,390           $12                   0.29
  $  5001 -  10000                  $7,411          $291                   0.75
  $ 10001 -  15000                 $12,589          $641                   1.51
  $ 15001 -  20000                 $17,541        $1,209                   1.71
  $ 20001 -  25000                 $22,536        $1,644                   2.16
  $ 25001 -  30000                 $27,761        $2,006                   2.78
  $ 30001 -  35000                 $32,516        $2,430                   3.06
  $ 35001 -  40000                 $37,325        $2,846                   3.71
  $ 40001 -  45000                 $42,377        $3,446                   3.75
  $ 45001 -  50000                 $47,437        $4,081                   4.00
  $ 50001 -  75000                 $60,399        $6,002                   3.90
  $ 75001 - 100000                 $83,908       $10,917                   3.78
  $100001 - 250000                $130,600       $22,741                   4.03
  OVER $250,000                   $666,491      $211,768                   4.10

                    ______________________________________________________________
  TOTAL                            $35,745        $3,967                   2.50
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      TAYLORSVILLE UT
                        _________________________________________________
  UNDER $1              10        $-47,302        $3,509     -7.42           12
  $     1  -  5000     855      $2,140,846       $14,238      0.67          307
  $  5001 -  10000     561      $4,132,768      $135,906      3.29          556
  $ 10001 -  15000     437      $5,498,921      $307,484      5.59          634
  $ 15001 -  20000     448      $7,780,663      $507,973      6.53          813
  $ 20001 -  25000     349      $7,781,391      $553,964      7.12          765
  $ 25001 -  30000     309      $8,480,890      $672,150      7.93          729
  $ 30001 -  35000     275      $8,918,282      $736,399      8.26          722
  $ 35001 -  40000     253      $9,470,411      $834,345      8.81          737
  $ 40001 -  45000     228      $9,639,956      $833,815      8.65          771
  $ 45001 -  50000     202      $9,593,119      $866,486      9.03          725
  $ 50001 -  75000     502     $30,186,491    $3,162,013     10.47         1772
  $ 75001 - 100000     126     $10,625,732    $1,448,558     13.63          442
  OVER $100,000         45      $6,285,220    $1,226,148     19.51          165

                    ______________________________________________________________
  TOTAL               4600    $120,487,388   $11,302,988      9.38         9150
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.2            -0.0           0.0                    0.1
  $     1  -  5000    18.6             1.8           0.1                    3.4
  $  5001 -  10000    12.2             3.4           1.2                    6.1
  $ 10001 -  15000     9.5             4.6           2.7                    6.9
  $ 15001 -  20000     9.7             6.5           4.5                    8.9
  $ 20001 -  25000     7.6             6.5           4.9                    8.4
  $ 25001 -  30000     6.7             7.0           5.9                    8.0
  $ 30001 -  35000     6.0             7.4           6.5                    7.9
  $ 35001 -  40000     5.5             7.9           7.4                    8.1
  $ 40001 -  45000     5.0             8.0           7.4                    8.4
  $ 45001 -  50000     4.4             8.0           7.7                    7.9
  $ 50001 -  75000    10.9            25.1          28.0                   19.4
  $ 75001 - 100000     2.7             8.8          12.8                    4.8
  OVER $100,000        1.0             5.2          10.8                    1.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-4,730          $351                   1.20
  $     1  -  5000                  $2,504           $17                   0.36
  $  5001 -  10000                  $7,367          $242                   0.99
  $ 10001 -  15000                 $12,583          $704                   1.45
  $ 15001 -  20000                 $17,368        $1,134                   1.81
  $ 20001 -  25000                 $22,296        $1,587                   2.19
  $ 25001 -  30000                 $27,446        $2,175                   2.36
  $ 30001 -  35000                 $32,430        $2,678                   2.63
  $ 35001 -  40000                 $37,432        $3,298                   2.91
  $ 40001 -  45000                 $42,281        $3,657                   3.38
  $ 45001 -  50000                 $47,491        $4,290                   3.59
  $ 50001 -  75000                 $60,132        $6,299                   3.53
  $ 75001 - 100000                 $84,331       $11,496                   3.51
  OVER $100,000                   $139,672       $27,248                   3.67

                    ______________________________________________________________
  TOTAL                            $26,193        $2,457                   1.99
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      TOOELE UT
                        _________________________________________________
  UNDER $1              26       $-258,536        $1,975     -0.76           50
  $     1  -  5000     816      $2,046,581       $15,092      0.74          475
  $  5001 -  10000     694      $5,219,683      $143,183      2.74          823
  $ 10001 -  15000     697      $8,769,646      $411,942      4.70         1062
  $ 15001 -  20000     703     $12,247,411      $756,457      6.18         1265
  $ 20001 -  25000     599     $13,432,197    $1,007,046      7.50         1216
  $ 25001 -  30000     529     $14,535,014    $1,158,520      7.97         1242
  $ 30001 -  35000     494     $16,042,126    $1,436,468      8.95         1229
  $ 35001 -  40000     471     $17,674,164    $1,670,060      9.45         1292
  $ 40001 -  45000     402     $17,004,988    $1,689,599      9.94         1195
  $ 45001 -  50000     313     $14,859,230    $1,548,628     10.42          927
  $ 50001 -  75000    1049     $63,462,965    $7,098,495     11.19         3541
  $ 75001 - 100000     275     $23,109,308    $3,283,320     14.21          961
  OVER $100,000         97     $13,876,274    $2,773,252     19.99          321

                    ______________________________________________________________
  TOTAL               7165    $222,021,051   $22,994,037     10.36        15599
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.1           0.0                    0.3
  $     1  -  5000    11.4             0.9           0.1                    3.0
  $  5001 -  10000     9.7             2.4           0.6                    5.3
  $ 10001 -  15000     9.7             3.9           1.8                    6.8
  $ 15001 -  20000     9.8             5.5           3.3                    8.1
  $ 20001 -  25000     8.4             6.0           4.4                    7.8
  $ 25001 -  30000     7.4             6.5           5.0                    8.0
  $ 30001 -  35000     6.9             7.2           6.2                    7.9
  $ 35001 -  40000     6.6             8.0           7.3                    8.3
  $ 40001 -  45000     5.6             7.7           7.3                    7.7
  $ 45001 -  50000     4.4             6.7           6.7                    5.9
  $ 50001 -  75000    14.6            28.6          30.9                   22.7
  $ 75001 - 100000     3.8            10.4          14.3                    6.2
  OVER $100,000        1.4             6.2          12.1                    2.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-9,944           $76                   1.92
  $     1  -  5000                  $2,508           $18                   0.58
  $  5001 -  10000                  $7,521          $206                   1.19
  $ 10001 -  15000                 $12,582          $591                   1.52
  $ 15001 -  20000                 $17,422        $1,076                   1.80
  $ 20001 -  25000                 $22,424        $1,681                   2.03
  $ 25001 -  30000                 $27,476        $2,190                   2.35
  $ 30001 -  35000                 $32,474        $2,908                   2.49
  $ 35001 -  40000                 $37,525        $3,546                   2.74
  $ 40001 -  45000                 $42,301        $4,203                   2.97
  $ 45001 -  50000                 $47,474        $4,948                   2.96
  $ 50001 -  75000                 $60,499        $6,767                   3.38
  $ 75001 - 100000                 $84,034       $11,939                   3.49
  OVER $100,000                   $143,054       $28,590                   3.31

                    ______________________________________________________________
  TOTAL                            $30,987        $3,209                   2.18
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      TREMONTON UT
                        _________________________________________________
  UNDER $1              19     $-1,012,980        $2,218     -0.22           40
  $     1  -  5000     420      $1,148,426       $18,122      1.58          152
  $  5001 -  10000     322      $2,362,778       $77,092      3.26          336
  $ 10001 -  15000     219      $2,713,315      $116,229      4.28          371
  $ 15001 -  20000     250      $4,381,912      $282,418      6.45          580
  $ 20001 -  25000     216      $4,887,023      $316,383      6.47          565
  $ 25001 -  30000     195      $5,350,253      $397,368      7.43          536
  $ 30001 -  35000     180      $5,856,908      $450,384      7.69          587
  $ 35001 -  40000     176      $6,614,537      $559,353      8.46          603
  $ 40001 -  45000     158      $6,695,667      $560,260      8.37          600
  $ 45001 -  50000     149      $7,071,874      $614,370      8.69          608
  $ 50001 -  75000     445     $26,687,750    $2,778,652     10.41         1793
  $ 75001 - 100000     126     $10,646,040    $1,436,817     13.50          481
  OVER $100,000         60      $8,251,612    $1,511,463     18.32          216

                    ______________________________________________________________
  TOTAL               2935     $91,655,115    $9,121,129      9.95         7468
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -1.1           0.0                    0.5
  $     1  -  5000    14.3             1.3           0.2                    2.0
  $  5001 -  10000    11.0             2.6           0.8                    4.5
  $ 10001 -  15000     7.5             3.0           1.3                    5.0
  $ 15001 -  20000     8.5             4.8           3.1                    7.8
  $ 20001 -  25000     7.4             5.3           3.5                    7.6
  $ 25001 -  30000     6.6             5.8           4.4                    7.2
  $ 30001 -  35000     6.1             6.4           4.9                    7.9
  $ 35001 -  40000     6.0             7.2           6.1                    8.1
  $ 40001 -  45000     5.4             7.3           6.1                    8.0
  $ 45001 -  50000     5.1             7.7           6.7                    8.1
  $ 50001 -  75000    15.2            29.1          30.5                   24.0
  $ 75001 - 100000     4.3            11.6          15.8                    6.4
  OVER $100,000        2.0             9.0          16.6                    2.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-53,315          $117                   2.11
  $     1  -  5000                  $2,734           $43                   0.36
  $  5001 -  10000                  $7,338          $239                   1.04
  $ 10001 -  15000                 $12,390          $531                   1.69
  $ 15001 -  20000                 $17,528        $1,130                   2.32
  $ 20001 -  25000                 $22,625        $1,465                   2.62
  $ 25001 -  30000                 $27,437        $2,038                   2.75
  $ 30001 -  35000                 $32,538        $2,502                   3.26
  $ 35001 -  40000                 $37,583        $3,178                   3.43
  $ 40001 -  45000                 $42,378        $3,546                   3.80
  $ 45001 -  50000                 $47,462        $4,123                   4.08
  $ 50001 -  75000                 $59,972        $6,244                   4.03
  $ 75001 - 100000                 $84,492       $11,403                   3.82
  OVER $100,000                   $137,527       $25,191                   3.60

                    ______________________________________________________________
  TOTAL                            $31,228        $3,108                   2.54
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      VERNAL UT
                        _________________________________________________
  UNDER $1              76     $-2,177,434        $9,152     -0.42          166
  $     1  -  5000    1034      $2,693,472       $23,407      0.87          740
  $  5001 -  10000     824      $6,023,304      $127,597      2.12         1193
  $ 10001 -  15000     651      $8,076,670      $276,307      3.42         1333
  $ 15001 -  20000     584     $10,192,079      $476,362      4.67         1492
  $ 20001 -  25000     422      $9,435,406      $576,625      6.11         1142
  $ 25001 -  30000     430     $11,817,126      $815,466      6.90         1355
  $ 30001 -  35000     403     $13,075,647    $1,000,769      7.65         1367
  $ 35001 -  40000     362     $13,535,891    $1,186,951      8.77         1224
  $ 40001 -  45000     323     $13,682,339    $1,214,699      8.88         1185
  $ 45001 -  50000     307     $14,551,532    $1,378,961      9.48         1154
  $ 50001 -  75000     699     $42,039,362    $4,597,615     10.94         2552
  $ 75001 - 100000     178     $14,965,277    $2,194,729     14.67          616
  OVER $100,000         99     $15,640,227    $3,184,095     20.36          360

                    ______________________________________________________________
  TOTAL               6392    $173,550,898   $17,062,735      9.83        15879
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.2            -1.3           0.1                    1.0
  $     1  -  5000    16.2             1.6           0.1                    4.7
  $  5001 -  10000    12.9             3.5           0.7                    7.5
  $ 10001 -  15000    10.2             4.7           1.6                    8.4
  $ 15001 -  20000     9.1             5.9           2.8                    9.4
  $ 20001 -  25000     6.6             5.4           3.4                    7.2
  $ 25001 -  30000     6.7             6.8           4.8                    8.5
  $ 30001 -  35000     6.3             7.5           5.9                    8.6
  $ 35001 -  40000     5.7             7.8           7.0                    7.7
  $ 40001 -  45000     5.1             7.9           7.1                    7.5
  $ 45001 -  50000     4.8             8.4           8.1                    7.3
  $ 50001 -  75000    10.9            24.2          26.9                   16.1
  $ 75001 - 100000     2.8             8.6          12.9                    3.9
  OVER $100,000        1.5             9.0          18.7                    2.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-28,650          $120                   2.18
  $     1  -  5000                  $2,605           $23                   0.72
  $  5001 -  10000                  $7,310          $155                   1.45
  $ 10001 -  15000                 $12,407          $424                   2.05
  $ 15001 -  20000                 $17,452          $816                   2.55
  $ 20001 -  25000                 $22,359        $1,366                   2.71
  $ 25001 -  30000                 $27,482        $1,896                   3.15
  $ 30001 -  35000                 $32,446        $2,483                   3.39
  $ 35001 -  40000                 $37,392        $3,279                   3.38
  $ 40001 -  45000                 $42,360        $3,761                   3.67
  $ 45001 -  50000                 $47,399        $4,492                   3.76
  $ 50001 -  75000                 $60,142        $6,577                   3.65
  $ 75001 - 100000                 $84,075       $12,330                   3.46
  OVER $100,000                   $157,982       $32,163                   3.64

                    ______________________________________________________________
  TOTAL                            $27,151        $2,669                   2.48
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      WASHINGTON UT
                        _________________________________________________
  UNDER $1              13       $-887,901            $0      0.00           23
  $     1  -  5000     307        $885,294        $6,390      0.72          184
  $  5001 -  10000     346      $2,573,552       $63,451      2.47          443
  $ 10001 -  15000     276      $3,469,779      $139,363      4.02          491
  $ 15001 -  20000     253      $4,391,233      $227,224      5.17          519
  $ 20001 -  25000     196      $4,398,852      $258,117      5.87          539
  $ 25001 -  30000     174      $4,756,074      $308,697      6.49          522
  $ 30001 -  35000     142      $4,617,835      $323,904      7.01          484
  $ 35001 -  40000     128      $4,787,884      $387,794      8.10          416
  $ 40001 -  45000     113      $4,777,742      $366,901      7.68          439
  $ 45001 -  50000      80      $3,795,511      $332,101      8.75          303
  $ 50001 -  75000     213     $12,690,815    $1,203,685      9.48          817
  $ 75001 - 100000      47      $4,020,655      $528,223     13.14          164
  OVER $100,000         27      $3,668,069      $693,453     18.91           83

                    ______________________________________________________________
  TOTAL               2315     $57,945,394    $4,839,303      8.35         5427
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -1.5           0.0                    0.4
  $     1  -  5000    13.3             1.5           0.1                    3.4
  $  5001 -  10000    14.9             4.4           1.3                    8.2
  $ 10001 -  15000    11.9             6.0           2.9                    9.0
  $ 15001 -  20000    10.9             7.6           4.7                    9.6
  $ 20001 -  25000     8.5             7.6           5.3                    9.9
  $ 25001 -  30000     7.5             8.2           6.4                    9.6
  $ 30001 -  35000     6.1             8.0           6.7                    8.9
  $ 35001 -  40000     5.5             8.3           8.0                    7.7
  $ 40001 -  45000     4.9             8.2           7.6                    8.1
  $ 45001 -  50000     3.5             6.6           6.9                    5.6
  $ 50001 -  75000     9.2            21.9          24.9                   15.1
  $ 75001 - 100000     2.0             6.9          10.9                    3.0
  OVER $100,000        1.2             6.3          14.3                    1.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-68,300            $0                   1.77
  $     1  -  5000                  $2,884           $21                   0.60
  $  5001 -  10000                  $7,438          $183                   1.28
  $ 10001 -  15000                 $12,572          $505                   1.78
  $ 15001 -  20000                 $17,357          $898                   2.05
  $ 20001 -  25000                 $22,443        $1,317                   2.75
  $ 25001 -  30000                 $27,334        $1,774                   3.00
  $ 30001 -  35000                 $32,520        $2,281                   3.41
  $ 35001 -  40000                 $37,405        $3,030                   3.25
  $ 40001 -  45000                 $42,281        $3,247                   3.88
  $ 45001 -  50000                 $47,444        $4,151                   3.79
  $ 50001 -  75000                 $59,581        $5,651                   3.84
  $ 75001 - 100000                 $85,546       $11,239                   3.49
  OVER $100,000                   $135,854       $25,683                   3.07

                    ______________________________________________________________
  TOTAL                            $25,030        $2,090                   2.34
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      WELLSVILLE UT
                        _________________________________________________
  UNDER $ 5,000        178        $297,782        $4,210      1.41           83
  $  5001 -  10000     118        $873,555       $24,340      2.79          124
  $ 10001 -  15000     111      $1,382,658       $68,462      4.95          176
  $ 15001 -  20000     124      $2,165,765      $122,810      5.67          268
  $ 20001 -  25000      82      $1,832,548      $110,053      6.01          221
  $ 25001 -  30000      91      $2,500,724      $169,823      6.79          275
  $ 30001 -  35000      80      $2,583,235      $194,627      7.53          280
  $ 35001 -  40000      82      $3,080,430      $243,904      7.92          289
  $ 40001 -  45000      78      $3,306,307      $263,192      7.96          308
  $ 45001 -  50000      60      $2,842,191      $261,439      9.20          227
  $ 50001 -  75000     165      $9,981,723    $1,054,510     10.56          628
  $ 75001 - 100000      38      $3,206,811      $439,443     13.70          149
  OVER $100,000         12      $2,186,534      $494,872     22.63           52

                    ______________________________________________________________
  TOTAL               1219     $36,240,263    $3,451,685      9.52         3080
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       14.6             0.8           0.1                    2.7
  $  5001 -  10000     9.7             2.4           0.7                    4.0
  $ 10001 -  15000     9.1             3.8           2.0                    5.7
  $ 15001 -  20000    10.2             6.0           3.6                    8.7
  $ 20001 -  25000     6.7             5.1           3.2                    7.2
  $ 25001 -  30000     7.5             6.9           4.9                    8.9
  $ 30001 -  35000     6.6             7.1           5.6                    9.1
  $ 35001 -  40000     6.7             8.5           7.1                    9.4
  $ 40001 -  45000     6.4             9.1           7.6                   10.0
  $ 45001 -  50000     4.9             7.8           7.6                    7.4
  $ 50001 -  75000    13.5            27.5          30.6                   20.4
  $ 75001 - 100000     3.1             8.8          12.7                    4.8
  OVER $100,000        1.0             6.0          14.3                    1.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,673           $24                   0.47
  $  5001 -  10000                  $7,403          $206                   1.05
  $ 10001 -  15000                 $12,456          $617                   1.59
  $ 15001 -  20000                 $17,466          $990                   2.16
  $ 20001 -  25000                 $22,348        $1,342                   2.70
  $ 25001 -  30000                 $27,480        $1,866                   3.02
  $ 30001 -  35000                 $32,290        $2,433                   3.50
  $ 35001 -  40000                 $37,566        $2,974                   3.52
  $ 40001 -  45000                 $42,389        $3,374                   3.95
  $ 45001 -  50000                 $47,370        $4,357                   3.78
  $ 50001 -  75000                 $60,495        $6,391                   3.81
  $ 75001 - 100000                 $84,390       $11,564                   3.92
  OVER $100,000                   $182,211       $41,239                   4.33

                    ______________________________________________________________
  TOTAL                            $29,730        $2,832                   2.53
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      WENDOVER UT
                        _________________________________________________
  UNDER $ 5,000        116        $306,742        $1,888      0.62           91
  $  5001 -  10000     139      $1,068,226       $19,736      1.85          239
  $ 10001 -  15000     198      $2,509,167       $74,522      2.97          492
  $ 15001 -  20000     149      $2,571,356      $124,909      4.86          383
  $ 20001 -  25000     100      $2,237,279      $146,223      6.54          282
  $ 25001 -  30000      91      $2,481,627      $184,835      7.45          284
  $ 30001 -  35000      57      $1,860,893      $183,734      9.87          140
  $ 35001 -  40000      57      $2,139,378      $206,089      9.63          177
  $ 40001 -  45000      31      $1,320,617      $125,244      9.48          104
  $ 45001 -  50000      19        $891,936       $89,894     10.08           71
  $ 50001 -  75000      64      $3,841,125      $473,169     12.32          222
  $ 75001 - 250000      18      $1,846,117      $336,492     18.23           56

                    ______________________________________________________________
  TOTAL               1039     $23,074,463    $1,966,735      8.52         2541
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       11.2             1.3           0.1                    3.6
  $  5001 -  10000    13.4             4.6           1.0                    9.4
  $ 10001 -  15000    19.1            10.9           3.8                   19.4
  $ 15001 -  20000    14.3            11.1           6.4                   15.1
  $ 20001 -  25000     9.6             9.7           7.4                   11.1
  $ 25001 -  30000     8.8            10.8           9.4                   11.2
  $ 30001 -  35000     5.5             8.1           9.3                    5.5
  $ 35001 -  40000     5.5             9.3          10.5                    7.0
  $ 40001 -  45000     3.0             5.7           6.4                    4.1
  $ 45001 -  50000     1.8             3.9           4.6                    2.8
  $ 50001 -  75000     6.2            16.6          24.1                    8.7
  $ 75001 - 250000     1.7             8.0          17.1                    2.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,644           $16                   0.78
  $  5001 -  10000                  $7,685          $142                   1.72
  $ 10001 -  15000                 $12,673          $376                   2.48
  $ 15001 -  20000                 $17,257          $838                   2.57
  $ 20001 -  25000                 $22,373        $1,462                   2.82
  $ 25001 -  30000                 $27,271        $2,031                   3.12
  $ 30001 -  35000                 $32,647        $3,223                   2.46
  $ 35001 -  40000                 $37,533        $3,616                   3.11
  $ 40001 -  45000                 $42,601        $4,040                   3.35
  $ 45001 -  50000                 $46,944        $4,731                   3.74
  $ 50001 -  75000                 $60,018        $7,393                   3.47
  $ 75001 - 250000                $102,562       $18,694                   3.11

                    ______________________________________________________________
  TOTAL                            $22,208        $1,893                   2.45
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      WEST BOUNTIFUL UT
                        _________________________________________________
  UNDER $ 5,000        341        $827,921        $6,587      0.80          106
  $  5001 -  10000     197      $1,423,415       $69,701      4.90          109
  $ 10001 -  15000     152      $1,908,053      $106,907      5.60          214
  $ 15001 -  20000     105      $1,830,060      $129,026      7.05          177
  $ 20001 -  25000     105      $2,332,427      $167,785      7.19          223
  $ 25001 -  30000      66      $1,788,871      $118,646      6.63          188
  $ 30001 -  35000      71      $2,318,936      $165,280      7.13          227
  $ 35001 -  40000      92      $3,440,694      $256,561      7.46          328
  $ 40001 -  45000      70      $2,961,791      $247,671      8.36          252
  $ 45001 -  50000      90      $4,270,995      $350,086      8.20          345
  $ 50001 -  75000     318     $19,280,819    $1,893,695      9.82         1254
  $ 75001 - 100000      85      $7,274,626      $917,970     12.62          344
  OVER $100,000         27      $4,044,922      $790,816     19.55          104

                    ______________________________________________________________
  TOTAL               1719     $53,703,530    $5,220,731      9.72         3871
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       19.8             1.5           0.1                    2.7
  $  5001 -  10000    11.5             2.7           1.3                    2.8
  $ 10001 -  15000     8.8             3.6           2.0                    5.5
  $ 15001 -  20000     6.1             3.4           2.5                    4.6
  $ 20001 -  25000     6.1             4.3           3.2                    5.8
  $ 25001 -  30000     3.8             3.3           2.3                    4.9
  $ 30001 -  35000     4.1             4.3           3.2                    5.9
  $ 35001 -  40000     5.4             6.4           4.9                    8.5
  $ 40001 -  45000     4.1             5.5           4.7                    6.5
  $ 45001 -  50000     5.2             8.0           6.7                    8.9
  $ 50001 -  75000    18.5            35.9          36.3                   32.4
  $ 75001 - 100000     4.9            13.5          17.6                    8.9
  OVER $100,000        1.6             7.5          15.1                    2.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,428           $19                   0.31
  $  5001 -  10000                  $7,225          $354                   0.55
  $ 10001 -  15000                 $12,553          $703                   1.41
  $ 15001 -  20000                 $17,429        $1,229                   1.69
  $ 20001 -  25000                 $22,214        $1,598                   2.12
  $ 25001 -  30000                 $27,104        $1,798                   2.85
  $ 30001 -  35000                 $32,661        $2,328                   3.20
  $ 35001 -  40000                 $37,399        $2,789                   3.57
  $ 40001 -  45000                 $42,311        $3,538                   3.60
  $ 45001 -  50000                 $47,456        $3,890                   3.83
  $ 50001 -  75000                 $60,632        $5,955                   3.94
  $ 75001 - 100000                 $85,584       $10,800                   4.05
  OVER $100,000                   $149,812       $29,289                   3.85

                    ______________________________________________________________
  TOTAL                            $31,241        $3,037                   2.25
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      WEST JORDAN UT
                        _________________________________________________
  UNDER $1              66     $-1,048,814       $16,521     -1.58          144
  $     1  -  5000    3420      $8,880,564       $63,166      0.71         1409
  $  5001 -  10000    2520     $18,651,306      $655,488      3.51         2425
  $ 10001 -  15000    2279     $28,483,499    $1,490,753      5.23         3613
  $ 15001 -  20000    2094     $36,506,011    $2,293,344      6.28         4039
  $ 20001 -  25000    1717     $38,587,411    $2,670,200      6.92         3946
  $ 25001 -  30000    1695     $46,574,333    $3,333,045      7.16         4601
  $ 30001 -  35000    1603     $52,088,554    $3,888,712      7.47         4893
  $ 35001 -  40000    1782     $66,870,233    $5,192,882      7.77         5996
  $ 40001 -  45000    1700     $72,208,781    $5,907,471      8.18         6063
  $ 45001 -  50000    1443     $68,539,876    $5,857,767      8.55         5349
  $ 50001 -  75000    4780    $287,213,089   $28,036,879      9.76        18267
  $ 75001 - 100000    1038     $87,636,568   $11,412,774     13.02         3968
  $100001 - 250000     346     $44,382,752    $7,905,874     17.81         1307
  OVER $250,000         23     $12,057,606    $3,607,481     29.92           85

                    ______________________________________________________________
  TOTAL              26506    $867,631,769   $82,332,357      9.49        66105
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.2            -0.1           0.0                    0.2
  $     1  -  5000    12.9             1.0           0.1                    2.1
  $  5001 -  10000     9.5             2.1           0.8                    3.7
  $ 10001 -  15000     8.6             3.3           1.8                    5.5
  $ 15001 -  20000     7.9             4.2           2.8                    6.1
  $ 20001 -  25000     6.5             4.4           3.2                    6.0
  $ 25001 -  30000     6.4             5.4           4.0                    7.0
  $ 30001 -  35000     6.0             6.0           4.7                    7.4
  $ 35001 -  40000     6.7             7.7           6.3                    9.1
  $ 40001 -  45000     6.4             8.3           7.2                    9.2
  $ 45001 -  50000     5.4             7.9           7.1                    8.1
  $ 50001 -  75000    18.0            33.1          34.1                   27.6
  $ 75001 - 100000     3.9            10.1          13.9                    6.0
  $100001 - 250000     1.3             5.1           9.6                    2.0
  OVER $250,000        0.1             1.4           4.4                    0.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-15,891          $250                   2.18
  $     1  -  5000                  $2,597           $18                   0.41
  $  5001 -  10000                  $7,401          $260                   0.96
  $ 10001 -  15000                 $12,498          $654                   1.59
  $ 15001 -  20000                 $17,434        $1,095                   1.93
  $ 20001 -  25000                 $22,474        $1,555                   2.30
  $ 25001 -  30000                 $27,477        $1,966                   2.71
  $ 30001 -  35000                 $32,494        $2,426                   3.05
  $ 35001 -  40000                 $37,525        $2,914                   3.36
  $ 40001 -  45000                 $42,476        $3,475                   3.57
  $ 45001 -  50000                 $47,498        $4,059                   3.71
  $ 50001 -  75000                 $60,086        $5,865                   3.82
  $ 75001 - 100000                 $84,428       $10,995                   3.82
  $100001 - 250000                $128,274       $22,849                   3.78
  OVER $250,000                   $524,244      $156,847                   3.70

                    ______________________________________________________________
  TOTAL                            $32,733        $3,106                   2.49
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      WEST POINT UT
                        _________________________________________________
  UNDER $ 5,000        268        $562,282        $7,289      1.30           71
  $  5001 -  10000     201      $1,428,461       $58,223      4.08          121
  $ 10001 -  15000     125      $1,577,283       $81,444      5.16          181
  $ 15001 -  20000     115      $2,014,915      $129,686      6.44          215
  $ 20001 -  25000     107      $2,395,075      $156,870      6.55          250
  $ 25001 -  30000      96      $2,657,928      $181,967      6.85          263
  $ 30001 -  35000      86      $2,800,454      $216,346      7.73          251
  $ 35001 -  40000     103      $3,893,560      $298,010      7.65          364
  $ 40001 -  45000     115      $4,871,807      $397,713      8.16          427
  $ 45001 -  50000     118      $5,604,083      $474,615      8.47          473
  $ 50001 -  75000     406     $24,404,719    $2,402,629      9.84         1585
  $ 75001 - 100000     109      $9,269,731    $1,227,806     13.25          396
  OVER $100,000         47     $11,958,079    $3,242,537     27.12          162

                    ______________________________________________________________
  TOTAL               1896     $73,438,377    $8,875,135     12.09         4759
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       14.1             0.8           0.1                    1.5
  $  5001 -  10000    10.6             1.9           0.7                    2.5
  $ 10001 -  15000     6.6             2.1           0.9                    3.8
  $ 15001 -  20000     6.1             2.7           1.5                    4.5
  $ 20001 -  25000     5.6             3.3           1.8                    5.3
  $ 25001 -  30000     5.1             3.6           2.1                    5.5
  $ 30001 -  35000     4.5             3.8           2.4                    5.3
  $ 35001 -  40000     5.4             5.3           3.4                    7.6
  $ 40001 -  45000     6.1             6.6           4.5                    9.0
  $ 45001 -  50000     6.2             7.6           5.3                    9.9
  $ 50001 -  75000    21.4            33.2          27.1                   33.3
  $ 75001 - 100000     5.7            12.6          13.8                    8.3
  OVER $100,000        2.5            16.3          36.5                    3.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,098           $27                   0.26
  $  5001 -  10000                  $7,107          $290                   0.60
  $ 10001 -  15000                 $12,618          $652                   1.45
  $ 15001 -  20000                 $17,521        $1,128                   1.87
  $ 20001 -  25000                 $22,384        $1,466                   2.34
  $ 25001 -  30000                 $27,687        $1,895                   2.74
  $ 30001 -  35000                 $32,563        $2,516                   2.92
  $ 35001 -  40000                 $37,802        $2,893                   3.53
  $ 40001 -  45000                 $42,364        $3,458                   3.71
  $ 45001 -  50000                 $47,492        $4,022                   4.01
  $ 50001 -  75000                 $60,110        $5,918                   3.90
  $ 75001 - 100000                 $85,043       $11,264                   3.63
  OVER $100,000                   $254,427       $68,990                   3.45

                    ______________________________________________________________
  TOTAL                            $38,733        $4,681                   2.51
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      WEST VALLEY UT
                        _________________________________________________
  UNDER $1              83       $-772,318        $4,277     -0.55          133
  $     1  -  5000    4416     $11,718,887       $66,452      0.57         2746
  $  5001 -  10000    4036     $30,170,341      $853,086      2.83         4805
  $ 10001 -  15000    4195     $52,753,988    $2,518,980      4.77         7072
  $ 15001 -  20000    4103     $71,511,500    $4,512,426      6.31         7893
  $ 20001 -  25000    3325     $74,474,907    $5,427,023      7.29         7358
  $ 25001 -  30000    2761     $75,706,096    $5,928,863      7.83         6971
  $ 30001 -  35000    2388     $77,612,404    $6,418,015      8.27         6802
  $ 35001 -  40000    2091     $78,363,068    $6,747,842      8.61         6656
  $ 40001 -  45000    1909     $81,032,229    $7,403,328      9.14         6164
  $ 45001 -  50000    1553     $73,673,155    $6,939,948      9.42         5246
  $ 50001 -  75000    3881    $230,468,209   $24,211,248     10.51        13845
  $ 75001 - 100000     591     $49,478,367    $6,998,630     14.14         2064
  $100001 - 250000     170     $21,938,469    $3,990,067     18.19          575
  OVER $250,000         17     $10,167,537    $2,992,285     29.43           63

                    ______________________________________________________________
  TOTAL              35519    $938,296,839   $85,012,470      9.06        78393
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.2            -0.1           0.0                    0.2
  $     1  -  5000    12.4             1.2           0.1                    3.5
  $  5001 -  10000    11.4             3.2           1.0                    6.1
  $ 10001 -  15000    11.8             5.6           3.0                    9.0
  $ 15001 -  20000    11.6             7.6           5.3                   10.1
  $ 20001 -  25000     9.4             7.9           6.4                    9.4
  $ 25001 -  30000     7.8             8.1           7.0                    8.9
  $ 30001 -  35000     6.7             8.3           7.5                    8.7
  $ 35001 -  40000     5.9             8.4           7.9                    8.5
  $ 40001 -  45000     5.4             8.6           8.7                    7.9
  $ 45001 -  50000     4.4             7.9           8.2                    6.7
  $ 50001 -  75000    10.9            24.6          28.5                   17.7
  $ 75001 - 100000     1.7             5.3           8.2                    2.6
  $100001 - 250000     0.5             2.3           4.7                    0.7
  OVER $250,000        0.0             1.1           3.5                    0.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-9,305           $52                   1.60
  $     1  -  5000                  $2,654           $15                   0.62
  $  5001 -  10000                  $7,475          $211                   1.19
  $ 10001 -  15000                 $12,575          $600                   1.69
  $ 15001 -  20000                 $17,429        $1,100                   1.92
  $ 20001 -  25000                 $22,398        $1,632                   2.21
  $ 25001 -  30000                 $27,420        $2,147                   2.52
  $ 30001 -  35000                 $32,501        $2,688                   2.85
  $ 35001 -  40000                 $37,476        $3,227                   3.18
  $ 40001 -  45000                 $42,447        $3,878                   3.23
  $ 45001 -  50000                 $47,439        $4,469                   3.38
  $ 50001 -  75000                 $59,384        $6,238                   3.57
  $ 75001 - 100000                 $83,720       $11,842                   3.49
  $100001 - 250000                $129,050       $23,471                   3.38
  OVER $250,000                   $598,090      $176,017                   3.71

                    ______________________________________________________________
  TOTAL                            $26,417        $2,393                   2.21
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      WILLARD UT
                        _________________________________________________
  UNDER $ 5,000        104        $211,885          $769      0.36           80
  $  5001 -  10000     102        $752,734       $20,173      2.68          128
  $ 10001 -  15000      79        $994,895       $49,694      4.99          120
  $ 15001 -  20000      95      $1,668,407       $93,610      5.61          195
  $ 20001 -  25000      86      $1,898,809      $124,080      6.53          208
  $ 25001 -  30000      55      $1,506,329      $127,115      8.44          127
  $ 30001 -  35000      53      $1,726,491      $144,897      8.39          142
  $ 35001 -  40000      48      $1,800,638      $165,636      9.20          143
  $ 40001 -  45000      42      $1,802,677      $174,977      9.71          130
  $ 45001 -  50000      31      $1,465,187      $138,576      9.46          110
  $ 50001 -  75000     143      $8,590,037      $916,039     10.66          544
  $ 75001 - 100000      31      $2,561,921      $354,722     13.85          107
  OVER $100,000         15      $3,069,571      $749,104     24.40           43

                    ______________________________________________________________
  TOTAL                884     $28,049,581    $3,059,392     10.91         2077
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       11.8             0.8           0.0                    3.9
  $  5001 -  10000    11.5             2.7           0.7                    6.2
  $ 10001 -  15000     8.9             3.5           1.6                    5.8
  $ 15001 -  20000    10.7             5.9           3.1                    9.4
  $ 20001 -  25000     9.7             6.8           4.1                   10.0
  $ 25001 -  30000     6.2             5.4           4.2                    6.1
  $ 30001 -  35000     6.0             6.2           4.7                    6.8
  $ 35001 -  40000     5.4             6.4           5.4                    6.9
  $ 40001 -  45000     4.8             6.4           5.7                    6.3
  $ 45001 -  50000     3.5             5.2           4.5                    5.3
  $ 50001 -  75000    16.2            30.6          29.9                   26.2
  $ 75001 - 100000     3.5             9.1          11.6                    5.2
  OVER $100,000        1.7            10.9          24.5                    2.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,037            $7                   0.77
  $  5001 -  10000                  $7,380          $198                   1.25
  $ 10001 -  15000                 $12,594          $629                   1.52
  $ 15001 -  20000                 $17,562          $985                   2.05
  $ 20001 -  25000                 $22,079        $1,443                   2.42
  $ 25001 -  30000                 $27,388        $2,311                   2.31
  $ 30001 -  35000                 $32,575        $2,734                   2.68
  $ 35001 -  40000                 $37,513        $3,451                   2.98
  $ 40001 -  45000                 $42,921        $4,166                   3.10
  $ 45001 -  50000                 $47,264        $4,470                   3.55
  $ 50001 -  75000                 $60,070        $6,406                   3.80
  $ 75001 - 100000                 $82,643       $11,443                   3.45
  OVER $100,000                   $204,638       $49,940                   2.87

                    ______________________________________________________________
  TOTAL                            $31,730        $3,461                   2.35
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1996 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      WOODS CROSS UT
                        _________________________________________________
  UNDER $ 5,000        305        $796,448        $5,530      0.69          111
  $  5001 -  10000     217      $1,574,703       $48,598      3.09          213
  $ 10001 -  15000     199      $2,457,164      $131,794      5.36          278
  $ 15001 -  20000     150      $2,599,888      $175,674      6.76          249
  $ 20001 -  25000     155      $3,491,832      $256,027      7.33          340
  $ 25001 -  30000     121      $3,323,977      $246,552      7.42          308
  $ 30001 -  35000     110      $3,592,246      $286,401      7.97          328
  $ 35001 -  40000     125      $4,668,618      $410,205      8.79          377
  $ 40001 -  45000     117      $4,965,647      $456,875      9.20          372
  $ 45001 -  50000     109      $5,153,426      $449,802      8.73          411
  $ 50001 -  75000     349     $21,001,356    $2,133,536     10.16         1300
  $ 75001 - 100000      80      $6,662,577      $911,655     13.68          310
  OVER $100,000         33      $5,748,526    $1,233,054     21.45          129

                    ______________________________________________________________
  TOTAL               2070     $66,036,408    $6,745,703     10.22         4726
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       14.7             1.2           0.1                    2.3
  $  5001 -  10000    10.5             2.4           0.7                    4.5
  $ 10001 -  15000     9.6             3.7           2.0                    5.9
  $ 15001 -  20000     7.2             3.9           2.6                    5.3
  $ 20001 -  25000     7.5             5.3           3.8                    7.2
  $ 25001 -  30000     5.8             5.0           3.7                    6.5
  $ 30001 -  35000     5.3             5.4           4.2                    6.9
  $ 35001 -  40000     6.0             7.1           6.1                    8.0
  $ 40001 -  45000     5.7             7.5           6.8                    7.9
  $ 45001 -  50000     5.3             7.8           6.7                    8.7
  $ 50001 -  75000    16.9            31.8          31.6                   27.5
  $ 75001 - 100000     3.9            10.1          13.5                    6.6
  OVER $100,000        1.6             8.7          18.3                    2.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,611           $18                   0.36
  $  5001 -  10000                  $7,257          $224                   0.98
  $ 10001 -  15000                 $12,348          $662                   1.40
  $ 15001 -  20000                 $17,333        $1,171                   1.66
  $ 20001 -  25000                 $22,528        $1,652                   2.19
  $ 25001 -  30000                 $27,471        $2,038                   2.55
  $ 30001 -  35000                 $32,657        $2,604                   2.98
  $ 35001 -  40000                 $37,349        $3,282                   3.02
  $ 40001 -  45000                 $42,441        $3,905                   3.18
  $ 45001 -  50000                 $47,279        $4,127                   3.77
  $ 50001 -  75000                 $60,176        $6,113                   3.72
  $ 75001 - 100000                 $83,282       $11,396                   3.88
  OVER $100,000                   $174,198       $37,365                   3.91

                    ______________________________________________________________
  TOTAL                            $31,902        $3,259                   2.28
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION