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 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              15       $-591,346        $1,615     -0.27           56
  $     1  -  5000     417      $1,062,347       $27,682      2.61           87
  $  5001 -  10000     238      $1,744,290       $83,872      4.81          172
  $ 10001 -  15000     144      $1,778,833       $91,375      5.14          185
  $ 15001 -  20000     105      $1,828,508      $114,711      6.27          185
  $ 20001 -  25000      82      $1,853,722      $126,148      6.81          173
  $ 25001 -  30000      55      $1,508,505      $100,943      6.69          147
  $ 30001 -  35000      57      $1,855,040      $140,195      7.56          176
  $ 35001 -  40000      62      $2,340,166      $156,267      6.68          216
  $ 40001 -  45000      60      $2,554,710      $215,643      8.44          201
  $ 45001 -  50000      82      $3,892,683      $316,927      8.14          295
  $ 50001 -  75000     259     $15,994,024    $1,354,410      8.47         1100
  $ 75001 - 100000     187     $16,051,500    $1,669,688     10.40          837
  $100001 - 250000     206     $28,450,314    $4,160,612     14.62          994
  OVER $250,000         39     $21,459,003    $5,352,729     24.94          170

                    ______________________________________________________________
  TOTAL               2008    $101,782,299   $13,912,817     13.67         4994
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.6           0.0                    1.1
  $     1  -  5000    20.8             1.0           0.2                    1.7
  $  5001 -  10000    11.9             1.7           0.6                    3.4
  $ 10001 -  15000     7.2             1.7           0.7                    3.7
  $ 15001 -  20000     5.2             1.8           0.8                    3.7
  $ 20001 -  25000     4.1             1.8           0.9                    3.5
  $ 25001 -  30000     2.7             1.5           0.7                    2.9
  $ 30001 -  35000     2.8             1.8           1.0                    3.5
  $ 35001 -  40000     3.1             2.3           1.1                    4.3
  $ 40001 -  45000     3.0             2.5           1.5                    4.0
  $ 45001 -  50000     4.1             3.8           2.3                    5.9
  $ 50001 -  75000    12.9            15.7           9.7                   22.0
  $ 75001 - 100000     9.3            15.8          12.0                   16.8
  $100001 - 250000    10.3            28.0          29.9                   19.9
  OVER $250,000        1.9            21.1          38.5                    3.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-39,423          $108                   3.73
  $     1  -  5000                  $2,548           $66                   0.21
  $  5001 -  10000                  $7,329          $352                   0.72
  $ 10001 -  15000                 $12,353          $635                   1.28
  $ 15001 -  20000                 $17,414        $1,092                   1.76
  $ 20001 -  25000                 $22,606        $1,538                   2.11
  $ 25001 -  30000                 $27,427        $1,835                   2.67
  $ 30001 -  35000                 $32,545        $2,460                   3.09
  $ 35001 -  40000                 $37,745        $2,520                   3.48
  $ 40001 -  45000                 $42,579        $3,594                   3.35
  $ 45001 -  50000                 $47,472        $3,865                   3.60
  $ 50001 -  75000                 $61,753        $5,229                   4.25
  $ 75001 - 100000                 $85,837        $8,929                   4.48
  $100001 - 250000                $138,108       $20,197                   4.83
  OVER $250,000                   $550,231      $137,249                   4.36

                    ______________________________________________________________
  TOTAL                            $50,688        $6,929                   2.49
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              31       $-849,956          $972     -0.11           66
  $     1  -  5000    1058      $2,808,794       $29,879      1.06          376
  $  5001 -  10000     867      $6,407,080      $202,882      3.17          826
  $ 10001 -  15000     738      $9,168,777      $408,421      4.45         1156
  $ 15001 -  20000     647     $11,305,381      $661,282      5.85         1259
  $ 20001 -  25000     566     $12,718,139      $803,161      6.32         1357
  $ 25001 -  30000     427     $11,766,732      $817,522      6.95         1154
  $ 30001 -  35000     416     $13,533,955      $985,160      7.28         1265
  $ 35001 -  40000     432     $16,240,228    $1,238,227      7.62         1506
  $ 40001 -  45000     404     $17,167,483    $1,342,696      7.82         1481
  $ 45001 -  50000     375     $17,804,580    $1,487,171      8.35         1405
  $ 50001 -  75000    1319     $79,570,148    $7,154,217      8.99         5405
  $ 75001 - 100000     396     $33,701,838    $4,012,438     11.91         1662
  $100001 - 250000     205     $27,660,220    $4,406,703     15.93          851
  OVER $250,000         30     $22,175,552    $5,599,925     25.25          120

                    ______________________________________________________________
  TOTAL               7911    $281,178,951   $29,150,656     10.37        19889
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.3           0.0                    0.3
  $     1  -  5000    13.4             1.0           0.1                    1.9
  $  5001 -  10000    11.0             2.3           0.7                    4.2
  $ 10001 -  15000     9.3             3.3           1.4                    5.8
  $ 15001 -  20000     8.2             4.0           2.3                    6.3
  $ 20001 -  25000     7.2             4.5           2.8                    6.8
  $ 25001 -  30000     5.4             4.2           2.8                    5.8
  $ 30001 -  35000     5.3             4.8           3.4                    6.4
  $ 35001 -  40000     5.5             5.8           4.2                    7.6
  $ 40001 -  45000     5.1             6.1           4.6                    7.4
  $ 45001 -  50000     4.7             6.3           5.1                    7.1
  $ 50001 -  75000    16.7            28.3          24.5                   27.2
  $ 75001 - 100000     5.0            12.0          13.8                    8.4
  $100001 - 250000     2.6             9.8          15.1                    4.3
  OVER $250,000        0.4             7.9          19.2                    0.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-27,418           $31                   2.13
  $     1  -  5000                  $2,655           $28                   0.36
  $  5001 -  10000                  $7,390          $234                   0.95
  $ 10001 -  15000                 $12,424          $553                   1.57
  $ 15001 -  20000                 $17,474        $1,022                   1.95
  $ 20001 -  25000                 $22,470        $1,419                   2.40
  $ 25001 -  30000                 $27,557        $1,915                   2.70
  $ 30001 -  35000                 $32,534        $2,368                   3.04
  $ 35001 -  40000                 $37,593        $2,866                   3.49
  $ 40001 -  45000                 $42,494        $3,324                   3.67
  $ 45001 -  50000                 $47,479        $3,966                   3.75
  $ 50001 -  75000                 $60,326        $5,424                   4.10
  $ 75001 - 100000                 $85,106       $10,132                   4.20
  $100001 - 250000                $134,928       $21,496                   4.15
  OVER $250,000                   $739,185      $186,664                   4.00

                    ______________________________________________________________
  TOTAL                            $35,543        $3,685                   2.51
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      BEAVER UT
                        _________________________________________________
  UNDER $1              28     $-1,666,983            $0      0.00           84
  $     1  -  5000     201        $544,134       $21,306      3.92           98
  $  5001 -  10000     173      $1,265,187       $26,681      2.11          230
  $ 10001 -  15000     140      $1,728,215       $49,440      2.86          271
  $ 15001 -  20000     136      $2,362,971      $108,427      4.59          312
  $ 20001 -  25000      94      $2,101,957      $105,627      5.03          283
  $ 25001 -  30000      79      $2,177,075      $132,602      6.09          272
  $ 30001 -  35000      69      $2,243,644      $156,605      6.98          228
  $ 35001 -  40000      57      $2,118,757      $159,003      7.50          198
  $ 40001 -  45000      45      $1,904,841      $164,065      8.61          150
  $ 45001 -  50000      32      $1,502,929      $138,635      9.22          112
  $ 50001 -  75000     118      $7,149,418      $728,660     10.19          426
  $ 75001 - 100000      20      $1,694,579      $199,621     11.78           84
  OVER $100,000         10      $1,537,446      $284,875     18.53           41

                    ______________________________________________________________
  TOTAL               1202     $26,664,170    $2,275,547      8.53         2789
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             2.3            -6.3           0.0                    3.0
  $     1  -  5000    16.7             2.0           0.9                    3.5
  $  5001 -  10000    14.4             4.7           1.2                    8.2
  $ 10001 -  15000    11.6             6.5           2.2                    9.7
  $ 15001 -  20000    11.3             8.9           4.8                   11.2
  $ 20001 -  25000     7.8             7.9           4.6                   10.1
  $ 25001 -  30000     6.6             8.2           5.8                    9.8
  $ 30001 -  35000     5.7             8.4           6.9                    8.2
  $ 35001 -  40000     4.7             7.9           7.0                    7.1
  $ 40001 -  45000     3.7             7.1           7.2                    5.4
  $ 45001 -  50000     2.7             5.6           6.1                    4.0
  $ 50001 -  75000     9.8            26.8          32.0                   15.3
  $ 75001 - 100000     1.7             6.4           8.8                    3.0
  OVER $100,000        0.8             5.8          12.5                    1.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-59,535            $0                   3.00
  $     1  -  5000                  $2,707          $106                   0.49
  $  5001 -  10000                  $7,313          $154                   1.33
  $ 10001 -  15000                 $12,344          $353                   1.94
  $ 15001 -  20000                 $17,375          $797                   2.29
  $ 20001 -  25000                 $22,361        $1,124                   3.01
  $ 25001 -  30000                 $27,558        $1,679                   3.44
  $ 30001 -  35000                 $32,517        $2,270                   3.30
  $ 35001 -  40000                 $37,171        $2,790                   3.47
  $ 40001 -  45000                 $42,330        $3,646                   3.33
  $ 45001 -  50000                 $46,967        $4,332                   3.50
  $ 50001 -  75000                 $60,588        $6,175                   3.61
  $ 75001 - 100000                 $84,729        $9,981                   4.20
  OVER $100,000                   $153,745       $28,488                   4.10

                    ______________________________________________________________
  TOTAL                            $22,183        $1,893                   2.32
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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        123        $314,800        $2,173      0.69           39
  $  5001 -  10000     130        $970,999       $35,952      3.70          114
  $ 10001 -  15000      86      $1,062,835       $55,538      5.23          143
  $ 15001 -  20000     103      $1,769,647      $118,968      6.72          172
  $ 20001 -  25000      93      $2,079,272      $129,275      6.22          226
  $ 25001 -  30000      80      $2,185,071      $162,954      7.46          180
  $ 30001 -  35000      57      $1,849,818      $147,436      7.97          151
  $ 35001 -  40000      77      $2,889,636      $213,314      7.38          267
  $ 40001 -  45000      85      $3,616,912      $287,490      7.95          307
  $ 45001 -  50000      96      $4,519,561      $394,624      8.73          327
  $ 50001 -  75000     283     $17,203,305    $1,647,336      9.58         1095
  $ 75001 - 100000      91      $7,757,265      $978,271     12.61          344
  OVER $100,000         26      $3,675,355      $693,773     18.88          107

                    ______________________________________________________________
  TOTAL               1330     $49,894,476    $4,867,104      9.75         3472
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        9.2             0.6           0.0                    1.1
  $  5001 -  10000     9.8             1.9           0.7                    3.3
  $ 10001 -  15000     6.5             2.1           1.1                    4.1
  $ 15001 -  20000     7.7             3.5           2.4                    5.0
  $ 20001 -  25000     7.0             4.2           2.7                    6.5
  $ 25001 -  30000     6.0             4.4           3.3                    5.2
  $ 30001 -  35000     4.3             3.7           3.0                    4.3
  $ 35001 -  40000     5.8             5.8           4.4                    7.7
  $ 40001 -  45000     6.4             7.2           5.9                    8.8
  $ 45001 -  50000     7.2             9.1           8.1                    9.4
  $ 50001 -  75000    21.3            34.5          33.8                   31.5
  $ 75001 - 100000     6.8            15.5          20.1                    9.9
  OVER $100,000        2.0             7.4          14.3                    3.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,559           $18                   0.32
  $  5001 -  10000                  $7,469          $277                   0.88
  $ 10001 -  15000                 $12,359          $646                   1.66
  $ 15001 -  20000                 $17,181        $1,155                   1.67
  $ 20001 -  25000                 $22,358        $1,390                   2.43
  $ 25001 -  30000                 $27,313        $2,037                   2.25
  $ 30001 -  35000                 $32,453        $2,587                   2.65
  $ 35001 -  40000                 $37,528        $2,770                   3.47
  $ 40001 -  45000                 $42,552        $3,382                   3.61
  $ 45001 -  50000                 $47,079        $4,111                   3.41
  $ 50001 -  75000                 $60,789        $5,821                   3.87
  $ 75001 - 100000                 $85,245       $10,750                   3.78
  OVER $100,000                   $141,360       $26,684                   4.12

                    ______________________________________________________________
  TOTAL                            $37,515        $3,659                   2.61
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      BLANDING UT
                        _________________________________________________
  UNDER $1              14       $-797,861            $0      0.00           30
  $     1  -  5000     258        $666,473        $2,785      0.42          187
  $  5001 -  10000     168      $1,219,164       $22,113      1.81          261
  $ 10001 -  15000     125      $1,552,434       $44,552      2.87          276
  $ 15001 -  20000      82      $1,411,889       $55,313      3.92          221
  $ 20001 -  25000      94      $2,097,628       $94,841      4.52          325
  $ 25001 -  30000      83      $2,273,540      $125,207      5.51          308
  $ 30001 -  35000      69      $2,241,901      $146,443      6.53          253
  $ 35001 -  40000      61      $2,264,309      $181,305      8.01          230
  $ 40001 -  45000      40      $1,690,828      $135,354      8.01          158
  $ 45001 -  50000      46      $2,190,039      $196,155      8.96          209
  $ 50001 -  75000     133      $7,983,271      $798,039     10.00          523
  $ 75001 - 100000      40      $3,381,682      $424,304     12.55          152
  OVER $100,000         15      $3,608,139      $971,985     26.94           54

                    ______________________________________________________________
  TOTAL               1228     $31,783,436    $3,198,396     10.06         3187
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.1            -2.5           0.0                    0.9
  $     1  -  5000    21.0             2.1           0.1                    5.9
  $  5001 -  10000    13.7             3.8           0.7                    8.2
  $ 10001 -  15000    10.2             4.9           1.4                    8.7
  $ 15001 -  20000     6.7             4.4           1.7                    6.9
  $ 20001 -  25000     7.7             6.6           3.0                   10.2
  $ 25001 -  30000     6.8             7.2           3.9                    9.7
  $ 30001 -  35000     5.6             7.1           4.6                    7.9
  $ 35001 -  40000     5.0             7.1           5.7                    7.2
  $ 40001 -  45000     3.3             5.3           4.2                    5.0
  $ 45001 -  50000     3.7             6.9           6.1                    6.6
  $ 50001 -  75000    10.8            25.1          25.0                   16.4
  $ 75001 - 100000     3.3            10.6          13.3                    4.8
  OVER $100,000        1.2            11.4          30.4                    1.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-56,990            $0                   2.14
  $     1  -  5000                  $2,583           $11                   0.72
  $  5001 -  10000                  $7,257          $132                   1.55
  $ 10001 -  15000                 $12,419          $356                   2.21
  $ 15001 -  20000                 $17,218          $675                   2.70
  $ 20001 -  25000                 $22,315        $1,009                   3.46
  $ 25001 -  30000                 $27,392        $1,509                   3.71
  $ 30001 -  35000                 $32,491        $2,122                   3.67
  $ 35001 -  40000                 $37,120        $2,972                   3.77
  $ 40001 -  45000                 $42,271        $3,384                   3.95
  $ 45001 -  50000                 $47,610        $4,264                   4.54
  $ 50001 -  75000                 $60,025        $6,000                   3.93
  $ 75001 - 100000                 $84,542       $10,608                   3.80
  OVER $100,000                   $240,543       $64,799                   3.60

                    ______________________________________________________________
  TOTAL                            $25,882        $2,605                   2.60
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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        228        $526,593        $6,529      1.24           73
  $  5001 -  10000     132        $957,760       $36,345      3.79           97
  $ 10001 -  15000      95      $1,164,792       $48,700      4.18          176
  $ 15001 -  20000      88      $1,526,219      $103,622      6.79          150
  $ 20001 -  25000      65      $1,457,722       $93,180      6.39          148
  $ 25001 -  30000      53      $1,443,174       $83,851      5.81          161
  $ 30001 -  35000      51      $1,638,562      $105,709      6.45          169
  $ 35001 -  40000      37      $1,383,074       $92,548      6.69          157
  $ 40001 -  45000      66      $2,825,759      $207,752      7.35          248
  $ 45001 -  50000      60      $2,857,965      $215,140      7.53          249
  $ 50001 -  75000     231     $14,324,405    $1,219,688      8.51          993
  $ 75001 - 100000     112      $9,525,339    $1,039,794     10.92          465
  OVER $100,000         74     $12,321,307    $2,303,533     18.70          315

                    ______________________________________________________________
  TOTAL               1292     $51,952,671    $5,556,391     10.70         3401
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       17.6             1.0           0.1                    2.1
  $  5001 -  10000    10.2             1.8           0.7                    2.9
  $ 10001 -  15000     7.4             2.2           0.9                    5.2
  $ 15001 -  20000     6.8             2.9           1.9                    4.4
  $ 20001 -  25000     5.0             2.8           1.7                    4.4
  $ 25001 -  30000     4.1             2.8           1.5                    4.7
  $ 30001 -  35000     3.9             3.2           1.9                    5.0
  $ 35001 -  40000     2.9             2.7           1.7                    4.6
  $ 40001 -  45000     5.1             5.4           3.7                    7.3
  $ 45001 -  50000     4.6             5.5           3.9                    7.3
  $ 50001 -  75000    17.9            27.6          22.0                   29.2
  $ 75001 - 100000     8.7            18.3          18.7                   13.7
  OVER $100,000        5.7            23.7          41.5                    9.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,310           $29                   0.32
  $  5001 -  10000                  $7,256          $275                   0.73
  $ 10001 -  15000                 $12,261          $513                   1.85
  $ 15001 -  20000                 $17,343        $1,178                   1.70
  $ 20001 -  25000                 $22,426        $1,434                   2.28
  $ 25001 -  30000                 $27,230        $1,582                   3.04
  $ 30001 -  35000                 $32,129        $2,073                   3.31
  $ 35001 -  40000                 $37,380        $2,501                   4.24
  $ 40001 -  45000                 $42,815        $3,148                   3.76
  $ 45001 -  50000                 $47,633        $3,586                   4.15
  $ 50001 -  75000                 $62,010        $5,280                   4.30
  $ 75001 - 100000                 $85,048        $9,284                   4.15
  OVER $100,000                   $166,504       $31,129                   4.26

                    ______________________________________________________________
  TOTAL                            $40,211        $4,301                   2.63
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              83     $-5,235,200        $4,900     -0.09          155
  $     1  -  5000    2758      $7,108,290       $95,303      1.34          817
  $  5001 -  10000    1843     $13,537,080      $494,563      3.65         1430
  $ 10001 -  15000    1657     $20,753,454    $1,113,580      5.37         2171
  $ 15001 -  20000    1471     $25,705,711    $1,625,913      6.33         2440
  $ 20001 -  25000    1329     $29,743,866    $2,192,279      7.37         2479
  $ 25001 -  30000    1081     $29,730,899    $2,315,993      7.79         2382
  $ 30001 -  35000    1019     $33,045,726    $2,812,472      8.51         2340
  $ 35001 -  40000     853     $31,918,571    $2,779,643      8.71         2301
  $ 40001 -  45000     804     $34,144,573    $3,089,672      9.05         2304
  $ 45001 -  50000     663     $31,465,108    $2,965,710      9.43         1972
  $ 50001 -  75000    2667    $163,113,573   $16,703,421     10.24         8753
  $ 75001 - 100000    1248    $106,564,012   $13,296,396     12.48         4402
  $100001 - 250000    1115    $158,289,412   $26,990,215     17.05         4077
  OVER $250,000        226    $123,582,975   $31,335,294     25.36          780

                    ______________________________________________________________
  TOTAL              18817    $803,468,050  $107,815,354     13.42        38803
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.7           0.0                    0.4
  $     1  -  5000    14.7             0.9           0.1                    2.1
  $  5001 -  10000     9.8             1.7           0.5                    3.7
  $ 10001 -  15000     8.8             2.6           1.0                    5.6
  $ 15001 -  20000     7.8             3.2           1.5                    6.3
  $ 20001 -  25000     7.1             3.7           2.0                    6.4
  $ 25001 -  30000     5.7             3.7           2.1                    6.1
  $ 30001 -  35000     5.4             4.1           2.6                    6.0
  $ 35001 -  40000     4.5             4.0           2.6                    5.9
  $ 40001 -  45000     4.3             4.2           2.9                    5.9
  $ 45001 -  50000     3.5             3.9           2.8                    5.1
  $ 50001 -  75000    14.2            20.3          15.5                   22.6
  $ 75001 - 100000     6.6            13.3          12.3                   11.3
  $100001 - 250000     5.9            19.7          25.0                   10.5
  OVER $250,000        1.2            15.4          29.1                    2.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-63,075           $59                   1.87
  $     1  -  5000                  $2,577           $35                   0.30
  $  5001 -  10000                  $7,345          $268                   0.78
  $ 10001 -  15000                 $12,525          $672                   1.31
  $ 15001 -  20000                 $17,475        $1,105                   1.66
  $ 20001 -  25000                 $22,381        $1,650                   1.87
  $ 25001 -  30000                 $27,503        $2,142                   2.20
  $ 30001 -  35000                 $32,430        $2,760                   2.30
  $ 35001 -  40000                 $37,419        $3,259                   2.70
  $ 40001 -  45000                 $42,468        $3,843                   2.87
  $ 45001 -  50000                 $47,459        $4,473                   2.97
  $ 50001 -  75000                 $61,160        $6,263                   3.28
  $ 75001 - 100000                 $85,388       $10,654                   3.53
  $100001 - 250000                $141,964       $24,206                   3.66
  OVER $250,000                   $546,827      $138,652                   3.45

                    ______________________________________________________________
  TOTAL                            $42,699        $5,730                   2.06
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              23       $-320,365            $0      0.00           60
  $     1  -  5000    1026      $2,698,973       $26,485      0.98          388
  $  5001 -  10000     733      $5,408,113      $176,427      3.26          718
  $ 10001 -  15000     658      $8,250,882      $376,191      4.56         1006
  $ 15001 -  20000     700     $12,249,899      $691,383      5.64         1401
  $ 20001 -  25000     577     $12,908,318      $906,518      7.02         1211
  $ 25001 -  30000     450     $12,343,798      $958,921      7.77         1079
  $ 30001 -  35000     434     $14,131,654    $1,162,902      8.23         1173
  $ 35001 -  40000     429     $16,061,366    $1,382,540      8.61         1316
  $ 40001 -  45000     369     $15,679,900    $1,373,462      8.76         1241
  $ 45001 -  50000     339     $16,121,642    $1,516,811      9.41         1163
  $ 50001 -  75000    1181     $72,036,770    $7,431,945     10.32         4460
  $ 75001 - 100000     351     $29,669,534    $3,923,798     13.23         1322
  $100001 - 250000     160     $22,135,622    $3,945,983     17.83          542
  OVER $250,000         20      $8,977,910    $2,296,448     25.58           66

                    ______________________________________________________________
  TOTAL               7450    $248,354,016   $26,169,814     10.54        17146
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.3            -0.1           0.0                    0.3
  $     1  -  5000    13.8             1.1           0.1                    2.3
  $  5001 -  10000     9.8             2.2           0.7                    4.2
  $ 10001 -  15000     8.8             3.3           1.4                    5.9
  $ 15001 -  20000     9.4             4.9           2.6                    8.2
  $ 20001 -  25000     7.7             5.2           3.5                    7.1
  $ 25001 -  30000     6.0             5.0           3.7                    6.3
  $ 30001 -  35000     5.8             5.7           4.4                    6.8
  $ 35001 -  40000     5.8             6.5           5.3                    7.7
  $ 40001 -  45000     5.0             6.3           5.2                    7.2
  $ 45001 -  50000     4.6             6.5           5.8                    6.8
  $ 50001 -  75000    15.9            29.0          28.4                   26.0
  $ 75001 - 100000     4.7            11.9          15.0                    7.7
  $100001 - 250000     2.1             8.9          15.1                    3.2
  OVER $250,000        0.3             3.6           8.8                    0.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-13,929            $0                   2.61
  $     1  -  5000                  $2,631           $26                   0.38
  $  5001 -  10000                  $7,378          $241                   0.98
  $ 10001 -  15000                 $12,539          $572                   1.53
  $ 15001 -  20000                 $17,500          $988                   2.00
  $ 20001 -  25000                 $22,371        $1,571                   2.10
  $ 25001 -  30000                 $27,431        $2,131                   2.40
  $ 30001 -  35000                 $32,561        $2,679                   2.70
  $ 35001 -  40000                 $37,439        $3,223                   3.07
  $ 40001 -  45000                 $42,493        $3,722                   3.36
  $ 45001 -  50000                 $47,556        $4,474                   3.43
  $ 50001 -  75000                 $60,996        $6,293                   3.78
  $ 75001 - 100000                 $84,529       $11,179                   3.77
  $100001 - 250000                $138,348       $24,662                   3.39
  OVER $250,000                   $448,896      $114,822                   3.30

                    ______________________________________________________________
  TOTAL                            $33,336        $3,513                   2.30
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              45     $-1,069,170        $2,060     -0.19          111
  $     1  -  5000    1468      $3,953,735       $63,421      1.60          849
  $  5001 -  10000    1282      $9,480,483      $233,963      2.47         1715
  $ 10001 -  15000    1090     $13,586,010      $487,595      3.59         2100
  $ 15001 -  20000     840     $14,533,708      $698,556      4.81         1853
  $ 20001 -  25000     714     $15,995,896      $948,566      5.93         1827
  $ 25001 -  30000     538     $14,783,829    $1,021,344      6.91         1489
  $ 30001 -  35000     472     $15,317,681    $1,195,308      7.80         1410
  $ 35001 -  40000     431     $16,151,316    $1,296,528      8.03         1405
  $ 40001 -  45000     358     $15,171,717    $1,320,075      8.70         1189
  $ 45001 -  50000     312     $14,799,171    $1,321,127      8.93         1045
  $ 50001 -  75000     941     $56,810,740    $5,734,198     10.09         3298
  $ 75001 - 100000     285     $23,962,555    $3,052,250     12.74         1008
  $100001 - 250000     159     $21,726,116    $3,765,491     17.33          573
  OVER $250,000         17      $6,606,556    $1,905,851     28.85           66

                    ______________________________________________________________
  TOTAL               8952    $241,810,343   $23,046,333      9.53        19938
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.4           0.0                    0.6
  $     1  -  5000    16.4             1.6           0.3                    4.3
  $  5001 -  10000    14.3             3.9           1.0                    8.6
  $ 10001 -  15000    12.2             5.6           2.1                   10.5
  $ 15001 -  20000     9.4             6.0           3.0                    9.3
  $ 20001 -  25000     8.0             6.6           4.1                    9.2
  $ 25001 -  30000     6.0             6.1           4.4                    7.5
  $ 30001 -  35000     5.3             6.3           5.2                    7.1
  $ 35001 -  40000     4.8             6.7           5.6                    7.0
  $ 40001 -  45000     4.0             6.3           5.7                    6.0
  $ 45001 -  50000     3.5             6.1           5.7                    5.2
  $ 50001 -  75000    10.5            23.5          24.9                   16.5
  $ 75001 - 100000     3.2             9.9          13.2                    5.1
  $100001 - 250000     1.8             9.0          16.3                    2.9
  OVER $250,000        0.2             2.7           8.3                    0.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-23,759           $46                   2.47
  $     1  -  5000                  $2,693           $43                   0.58
  $  5001 -  10000                  $7,395          $182                   1.34
  $ 10001 -  15000                 $12,464          $447                   1.93
  $ 15001 -  20000                 $17,302          $832                   2.21
  $ 20001 -  25000                 $22,403        $1,329                   2.56
  $ 25001 -  30000                 $27,479        $1,898                   2.77
  $ 30001 -  35000                 $32,453        $2,532                   2.99
  $ 35001 -  40000                 $37,474        $3,008                   3.26
  $ 40001 -  45000                 $42,379        $3,687                   3.32
  $ 45001 -  50000                 $47,433        $4,234                   3.35
  $ 50001 -  75000                 $60,373        $6,094                   3.50
  $ 75001 - 100000                 $84,079       $10,710                   3.54
  $100001 - 250000                $136,642       $23,682                   3.60
  OVER $250,000                   $388,621      $112,109                   3.88

                    ______________________________________________________________
  TOTAL                            $27,012        $2,574                   2.23
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              23       $-479,058        $4,373     -0.91           40
  $     1  -  5000    1124      $2,858,674       $38,628      1.35          202
  $  5001 -  10000     690      $5,027,624      $225,130      4.48          338
  $ 10001 -  15000     423      $5,279,415      $310,639      5.88          472
  $ 15001 -  20000     349      $6,078,534      $405,973      6.68          525
  $ 20001 -  25000     275      $6,195,242      $459,708      7.42          520
  $ 25001 -  30000     258      $7,059,907      $551,385      7.81          566
  $ 30001 -  35000     244      $7,917,628      $647,758      8.18          600
  $ 35001 -  40000     233      $8,741,661      $746,308      8.54          651
  $ 40001 -  45000     236     $10,038,958      $836,549      8.33          711
  $ 45001 -  50000     223     $10,555,431      $897,538      8.50          755
  $ 50001 -  75000    1030     $64,131,054    $5,937,072      9.26         4016
  $ 75001 - 100000     556     $47,702,917    $5,597,158     11.73         2253
  $100001 - 250000     402     $54,106,715    $8,752,657     16.18         1748
  OVER $250,000         45     $26,802,729    $7,336,946     27.37          210

                    ______________________________________________________________
  TOTAL               6111    $262,017,431   $32,747,822     12.50        13607
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.2           0.0                    0.3
  $     1  -  5000    18.4             1.1           0.1                    1.5
  $  5001 -  10000    11.3             1.9           0.7                    2.5
  $ 10001 -  15000     6.9             2.0           0.9                    3.5
  $ 15001 -  20000     5.7             2.3           1.2                    3.9
  $ 20001 -  25000     4.5             2.4           1.4                    3.8
  $ 25001 -  30000     4.2             2.7           1.7                    4.2
  $ 30001 -  35000     4.0             3.0           2.0                    4.4
  $ 35001 -  40000     3.8             3.3           2.3                    4.8
  $ 40001 -  45000     3.9             3.8           2.6                    5.2
  $ 45001 -  50000     3.6             4.0           2.7                    5.5
  $ 50001 -  75000    16.9            24.5          18.1                   29.5
  $ 75001 - 100000     9.1            18.2          17.1                   16.6
  $100001 - 250000     6.6            20.7          26.7                   12.8
  OVER $250,000        0.7            10.2          22.4                    1.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-20,829          $190                   1.74
  $     1  -  5000                  $2,543           $34                   0.18
  $  5001 -  10000                  $7,286          $326                   0.49
  $ 10001 -  15000                 $12,481          $734                   1.12
  $ 15001 -  20000                 $17,417        $1,163                   1.50
  $ 20001 -  25000                 $22,528        $1,672                   1.89
  $ 25001 -  30000                 $27,364        $2,137                   2.19
  $ 30001 -  35000                 $32,449        $2,655                   2.46
  $ 35001 -  40000                 $37,518        $3,203                   2.79
  $ 40001 -  45000                 $42,538        $3,545                   3.01
  $ 45001 -  50000                 $47,334        $4,025                   3.39
  $ 50001 -  75000                 $62,263        $5,764                   3.90
  $ 75001 - 100000                 $85,797       $10,067                   4.05
  $100001 - 250000                $134,594       $21,773                   4.35
  OVER $250,000                   $595,616      $163,043                   4.67

                    ______________________________________________________________
  TOTAL                            $42,876        $5,359                   2.23
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      CLEARFIELD UT
                        _________________________________________________
  UNDER $1              22       $-156,840          $561     -0.36           36
  $     1  -  5000    1011      $2,663,959       $11,365      0.43          714
  $  5001 -  10000     910      $6,787,800      $149,278      2.20         1197
  $ 10001 -  15000     893     $11,169,081      $455,031      4.07         1599
  $ 15001 -  20000     869     $15,197,942      $890,977      5.86         1693
  $ 20001 -  25000     846     $18,923,437    $1,290,957      6.82         1851
  $ 25001 -  30000     731     $20,084,622    $1,505,550      7.50         1829
  $ 30001 -  35000     673     $21,925,605    $1,749,717      7.98         1907
  $ 35001 -  40000     569     $21,350,057    $1,812,694      8.49         1714
  $ 40001 -  45000     532     $22,578,847    $2,048,887      9.07         1630
  $ 45001 -  50000     417     $19,738,621    $1,823,953      9.24         1400
  $ 50001 -  75000    1196     $71,658,078    $7,468,898     10.42         4072
  $ 75001 - 100000     250     $20,839,792    $2,835,715     13.61          852
  OVER $100,000         64      $8,191,262    $1,407,924     17.19          215

                    ______________________________________________________________
  TOTAL               8983    $260,952,263   $23,451,507      8.99        20709
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.2            -0.1           0.0                    0.2
  $     1  -  5000    11.3             1.0           0.0                    3.4
  $  5001 -  10000    10.1             2.6           0.6                    5.8
  $ 10001 -  15000     9.9             4.3           1.9                    7.7
  $ 15001 -  20000     9.7             5.8           3.8                    8.2
  $ 20001 -  25000     9.4             7.3           5.5                    8.9
  $ 25001 -  30000     8.1             7.7           6.4                    8.8
  $ 30001 -  35000     7.5             8.4           7.5                    9.2
  $ 35001 -  40000     6.3             8.2           7.7                    8.3
  $ 40001 -  45000     5.9             8.7           8.7                    7.9
  $ 45001 -  50000     4.6             7.6           7.8                    6.8
  $ 50001 -  75000    13.3            27.5          31.8                   19.7
  $ 75001 - 100000     2.8             8.0          12.1                    4.1
  OVER $100,000        0.7             3.1           6.0                    1.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-7,129           $26                   1.64
  $     1  -  5000                  $2,635           $11                   0.71
  $  5001 -  10000                  $7,459          $164                   1.32
  $ 10001 -  15000                 $12,507          $510                   1.79
  $ 15001 -  20000                 $17,489        $1,025                   1.95
  $ 20001 -  25000                 $22,368        $1,526                   2.19
  $ 25001 -  30000                 $27,476        $2,060                   2.50
  $ 30001 -  35000                 $32,579        $2,600                   2.83
  $ 35001 -  40000                 $37,522        $3,186                   3.01
  $ 40001 -  45000                 $42,441        $3,851                   3.06
  $ 45001 -  50000                 $47,335        $4,374                   3.36
  $ 50001 -  75000                 $59,915        $6,245                   3.40
  $ 75001 - 100000                 $83,359       $11,343                   3.41
  OVER $100,000                   $127,988       $21,999                   3.36

                    ______________________________________________________________
  TOTAL                            $29,050        $2,611                   2.31
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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       $-297,563        $2,133     -0.72           23
  $     1  -  5000     505      $1,294,956        $8,916      0.69          152
  $  5001 -  10000     354      $2,633,270      $104,814      3.98          236
  $ 10001 -  15000     307      $3,819,025      $217,869      5.70          376
  $ 15001 -  20000     246      $4,276,418      $271,776      6.36          434
  $ 20001 -  25000     230      $5,189,457      $366,293      7.06          477
  $ 25001 -  30000     247      $6,815,622      $475,748      6.98          659
  $ 30001 -  35000     222      $7,214,231      $530,098      7.35          679
  $ 35001 -  40000     266      $9,994,002      $781,149      7.82          884
  $ 40001 -  45000     264     $11,231,955      $932,170      8.30          926
  $ 45001 -  50000     232     $11,022,105      $950,622      8.62          852
  $ 50001 -  75000     703     $42,330,559    $4,127,704      9.75         2622
  $ 75001 - 100000     169     $14,098,401    $1,847,932     13.11          622
  OVER $100,000         39      $5,261,310      $913,751     17.37          152

                    ______________________________________________________________
  TOTAL               3794    $124,883,748   $11,530,975      9.23         9094
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.3            -0.2           0.0                    0.3
  $     1  -  5000    13.3             1.0           0.1                    1.7
  $  5001 -  10000     9.3             2.1           0.9                    2.6
  $ 10001 -  15000     8.1             3.1           1.9                    4.1
  $ 15001 -  20000     6.5             3.4           2.4                    4.8
  $ 20001 -  25000     6.1             4.2           3.2                    5.2
  $ 25001 -  30000     6.5             5.5           4.1                    7.2
  $ 30001 -  35000     5.9             5.8           4.6                    7.5
  $ 35001 -  40000     7.0             8.0           6.8                    9.7
  $ 40001 -  45000     7.0             9.0           8.1                   10.2
  $ 45001 -  50000     6.1             8.8           8.2                    9.4
  $ 50001 -  75000    18.5            33.9          35.8                   28.8
  $ 75001 - 100000     4.5            11.3          16.0                    6.8
  OVER $100,000        1.0             4.2           7.9                    1.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-29,756          $213                   2.30
  $     1  -  5000                  $2,564           $18                   0.30
  $  5001 -  10000                  $7,439          $296                   0.67
  $ 10001 -  15000                 $12,440          $710                   1.22
  $ 15001 -  20000                 $17,384        $1,105                   1.76
  $ 20001 -  25000                 $22,563        $1,593                   2.07
  $ 25001 -  30000                 $27,594        $1,926                   2.67
  $ 30001 -  35000                 $32,497        $2,388                   3.06
  $ 35001 -  40000                 $37,571        $2,937                   3.32
  $ 40001 -  45000                 $42,545        $3,531                   3.51
  $ 45001 -  50000                 $47,509        $4,098                   3.67
  $ 50001 -  75000                 $60,214        $5,872                   3.73
  $ 75001 - 100000                 $83,422       $10,935                   3.68
  OVER $100,000                   $134,905       $23,430                   3.90

                    ______________________________________________________________
  TOTAL                            $32,916        $3,039                   2.40
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              12       $-742,612            $0      0.00           31
  $     1  -  5000     165        $461,614        $3,399      0.74           47
  $  5001 -  10000     121        $881,482       $35,126      3.98           68
  $ 10001 -  15000      95      $1,171,666       $46,827      4.00          149
  $ 15001 -  20000      70      $1,219,260       $61,940      5.08          140
  $ 20001 -  25000      81      $1,837,047      $117,733      6.41          202
  $ 25001 -  30000      71      $1,950,470      $142,612      7.31          184
  $ 30001 -  35000      58      $1,875,616      $157,905      8.42          154
  $ 35001 -  40000      48      $1,817,414      $151,716      8.35          145
  $ 40001 -  45000      65      $2,758,353      $219,611      7.96          242
  $ 45001 -  50000      45      $2,149,410      $193,117      8.98          149
  $ 50001 -  75000     175     $10,622,209    $1,093,774     10.30          624
  $ 75001 - 100000      35      $2,917,680      $376,134     12.89          121
  OVER $100,000         29      $6,233,717    $1,525,673     24.47           98

                    ______________________________________________________________
  TOTAL               1070     $35,153,326    $4,125,567     11.74         2354
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.1            -2.1           0.0                    1.3
  $     1  -  5000    15.4             1.3           0.1                    2.0
  $  5001 -  10000    11.3             2.5           0.9                    2.9
  $ 10001 -  15000     8.9             3.3           1.1                    6.3
  $ 15001 -  20000     6.5             3.5           1.5                    5.9
  $ 20001 -  25000     7.6             5.2           2.9                    8.6
  $ 25001 -  30000     6.6             5.5           3.5                    7.8
  $ 30001 -  35000     5.4             5.3           3.8                    6.5
  $ 35001 -  40000     4.5             5.2           3.7                    6.2
  $ 40001 -  45000     6.1             7.8           5.3                   10.3
  $ 45001 -  50000     4.2             6.1           4.7                    6.3
  $ 50001 -  75000    16.4            30.2          26.5                   26.5
  $ 75001 - 100000     3.3             8.3           9.1                    5.1
  OVER $100,000        2.7            17.7          37.0                    4.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-61,884            $0                   2.58
  $     1  -  5000                  $2,798           $21                   0.28
  $  5001 -  10000                  $7,285          $290                   0.56
  $ 10001 -  15000                 $12,333          $493                   1.57
  $ 15001 -  20000                 $17,418          $885                   2.00
  $ 20001 -  25000                 $22,680        $1,453                   2.49
  $ 25001 -  30000                 $27,471        $2,009                   2.59
  $ 30001 -  35000                 $32,338        $2,723                   2.66
  $ 35001 -  40000                 $37,863        $3,161                   3.02
  $ 40001 -  45000                 $42,436        $3,379                   3.72
  $ 45001 -  50000                 $47,765        $4,291                   3.31
  $ 50001 -  75000                 $60,698        $6,250                   3.57
  $ 75001 - 100000                 $83,362       $10,747                   3.46
  OVER $100,000                   $214,956       $52,609                   3.38

                    ______________________________________________________________
  TOTAL                            $32,854        $3,856                   2.20
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              35     $-1,281,030            $0      0.00           91
  $     1  -  5000     297        $851,130        $4,909      0.58          171
  $  5001 -  10000     249      $1,758,655       $47,142      2.68          287
  $ 10001 -  15000     176      $2,191,876       $75,888      3.46          326
  $ 15001 -  20000     146      $2,551,323      $108,682      4.26          386
  $ 20001 -  25000     112      $2,498,429      $140,319      5.62          305
  $ 25001 -  30000     103      $2,823,498      $176,226      6.24          346
  $ 30001 -  35000      87      $2,832,225      $211,009      7.45          283
  $ 35001 -  40000      77      $2,884,932      $218,265      7.57          303
  $ 40001 -  45000      68      $2,888,999      $248,228      8.59          258
  $ 45001 -  50000      83      $3,931,074      $339,983      8.65          328
  $ 50001 -  75000     323     $19,541,216    $1,910,648      9.78         1393
  $ 75001 - 100000      71      $6,012,855      $818,072     13.61          303
  OVER $100,000         25      $3,689,667      $643,727     17.45          111

                    ______________________________________________________________
  TOTAL               1852     $53,174,849    $4,943,098      9.30         4891
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.9            -2.4           0.0                    1.9
  $     1  -  5000    16.0             1.6           0.1                    3.5
  $  5001 -  10000    13.4             3.3           1.0                    5.9
  $ 10001 -  15000     9.5             4.1           1.5                    6.7
  $ 15001 -  20000     7.9             4.8           2.2                    7.9
  $ 20001 -  25000     6.0             4.7           2.8                    6.2
  $ 25001 -  30000     5.6             5.3           3.6                    7.1
  $ 30001 -  35000     4.7             5.3           4.3                    5.8
  $ 35001 -  40000     4.2             5.4           4.4                    6.2
  $ 40001 -  45000     3.7             5.4           5.0                    5.3
  $ 45001 -  50000     4.5             7.4           6.9                    6.7
  $ 50001 -  75000    17.4            36.7          38.7                   28.5
  $ 75001 - 100000     3.8            11.3          16.5                    6.2
  OVER $100,000        1.3             6.9          13.0                    2.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-36,601            $0                   2.60
  $     1  -  5000                  $2,866           $17                   0.58
  $  5001 -  10000                  $7,063          $189                   1.15
  $ 10001 -  15000                 $12,454          $431                   1.85
  $ 15001 -  20000                 $17,475          $744                   2.64
  $ 20001 -  25000                 $22,307        $1,253                   2.72
  $ 25001 -  30000                 $27,413        $1,711                   3.36
  $ 30001 -  35000                 $32,554        $2,425                   3.25
  $ 35001 -  40000                 $37,467        $2,835                   3.94
  $ 40001 -  45000                 $42,485        $3,650                   3.79
  $ 45001 -  50000                 $47,362        $4,096                   3.95
  $ 50001 -  75000                 $60,499        $5,915                   4.31
  $ 75001 - 100000                 $84,688       $11,522                   4.27
  OVER $100,000                   $147,587       $25,749                   4.44

                    ______________________________________________________________
  TOTAL                            $28,712        $2,669                   2.64
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              41     $-1,027,791       $23,349     -2.27           95
  $     1  -  5000     800      $1,994,426       $18,552      0.93          284
  $  5001 -  10000     531      $3,895,129      $144,460      3.71          405
  $ 10001 -  15000     387      $4,837,338      $273,471      5.65          478
  $ 15001 -  20000     301      $5,263,638      $347,956      6.61          470
  $ 20001 -  25000     277      $6,222,446      $425,013      6.83          587
  $ 25001 -  30000     254      $7,000,699      $546,225      7.80          541
  $ 30001 -  35000     241      $7,853,821      $620,279      7.90          610
  $ 35001 -  40000     214      $8,010,116      $628,187      7.84          589
  $ 40001 -  45000     229      $9,718,609      $770,890      7.93          717
  $ 45001 -  50000     221     $10,530,984      $866,920      8.23          699
  $ 50001 -  75000    1049     $65,080,422    $6,077,805      9.34         3674
  $ 75001 - 100000     694     $59,563,061    $6,865,815     11.53         2562
  $100001 - 250000     605     $82,507,286   $14,077,673     17.06         2230
  OVER $250,000         86     $44,965,506   $12,568,158     27.95          315

                    ______________________________________________________________
  TOTAL               5930    $316,415,690   $44,254,753     13.99        14256
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.3           0.1                    0.7
  $     1  -  5000    13.5             0.6           0.0                    2.0
  $  5001 -  10000     9.0             1.2           0.3                    2.8
  $ 10001 -  15000     6.5             1.5           0.6                    3.4
  $ 15001 -  20000     5.1             1.7           0.8                    3.3
  $ 20001 -  25000     4.7             2.0           1.0                    4.1
  $ 25001 -  30000     4.3             2.2           1.2                    3.8
  $ 30001 -  35000     4.1             2.5           1.4                    4.3
  $ 35001 -  40000     3.6             2.5           1.4                    4.1
  $ 40001 -  45000     3.9             3.1           1.7                    5.0
  $ 45001 -  50000     3.7             3.3           2.0                    4.9
  $ 50001 -  75000    17.7            20.6          13.7                   25.8
  $ 75001 - 100000    11.7            18.8          15.5                   18.0
  $100001 - 250000    10.2            26.1          31.8                   15.6
  OVER $250,000        1.5            14.2          28.4                    2.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-25,068          $569                   2.32
  $     1  -  5000                  $2,493           $23                   0.36
  $  5001 -  10000                  $7,335          $272                   0.76
  $ 10001 -  15000                 $12,500          $707                   1.24
  $ 15001 -  20000                 $17,487        $1,156                   1.56
  $ 20001 -  25000                 $22,464        $1,534                   2.12
  $ 25001 -  30000                 $27,562        $2,150                   2.13
  $ 30001 -  35000                 $32,588        $2,574                   2.53
  $ 35001 -  40000                 $37,430        $2,935                   2.75
  $ 40001 -  45000                 $42,439        $3,366                   3.13
  $ 45001 -  50000                 $47,652        $3,923                   3.16
  $ 50001 -  75000                 $62,040        $5,794                   3.50
  $ 75001 - 100000                 $85,826        $9,893                   3.69
  $100001 - 250000                $136,376       $23,269                   3.69
  OVER $250,000                   $522,855      $146,141                   3.66

                    ______________________________________________________________
  TOTAL                            $53,358        $7,463                   2.40
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              16       $-296,074            $0      0.00           33
  $     1  -  5000     118        $276,602          $836      0.30           72
  $  5001 -  10000     114        $854,912       $13,985      1.64          178
  $ 10001 -  15000     108      $1,346,745       $33,124      2.46          261
  $ 15001 -  20000      72      $1,256,487       $47,052      3.74          191
  $ 20001 -  25000      69      $1,517,026       $80,674      5.32          195
  $ 25001 -  30000      68      $1,881,815      $118,078      6.27          219
  $ 30001 -  35000      52      $1,687,944      $131,816      7.81          167
  $ 35001 -  40000      45      $1,689,851      $128,459      7.60          177
  $ 40001 -  45000      43      $1,810,003      $151,262      8.36          146
  $ 45001 -  50000      22      $1,054,836      $108,796     10.31           65
  $ 50001 -  75000      61      $3,661,432      $370,984     10.13          228
  $ 75001 - 250000      19      $1,977,137      $311,984     15.78           63

                    ______________________________________________________________
  TOTAL                807     $18,718,716    $1,497,050      8.00         1995
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             2.0            -1.6           0.0                    1.7
  $     1  -  5000    14.6             1.5           0.1                    3.6
  $  5001 -  10000    14.1             4.6           0.9                    8.9
  $ 10001 -  15000    13.4             7.2           2.2                   13.1
  $ 15001 -  20000     8.9             6.7           3.1                    9.6
  $ 20001 -  25000     8.6             8.1           5.4                    9.8
  $ 25001 -  30000     8.4            10.1           7.9                   11.0
  $ 30001 -  35000     6.4             9.0           8.8                    8.4
  $ 35001 -  40000     5.6             9.0           8.6                    8.9
  $ 40001 -  45000     5.3             9.7          10.1                    7.3
  $ 45001 -  50000     2.7             5.6           7.3                    3.3
  $ 50001 -  75000     7.6            19.6          24.8                   11.4
  $ 75001 - 250000     2.4            10.6          20.8                    3.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-18,505            $0                   2.06
  $     1  -  5000                  $2,344            $7                   0.61
  $  5001 -  10000                  $7,499          $123                   1.56
  $ 10001 -  15000                 $12,470          $307                   2.42
  $ 15001 -  20000                 $17,451          $654                   2.65
  $ 20001 -  25000                 $21,986        $1,169                   2.83
  $ 25001 -  30000                 $27,674        $1,736                   3.22
  $ 30001 -  35000                 $32,460        $2,535                   3.21
  $ 35001 -  40000                 $37,552        $2,855                   3.93
  $ 40001 -  45000                 $42,093        $3,518                   3.40
  $ 45001 -  50000                 $47,947        $4,945                   2.95
  $ 50001 -  75000                 $60,023        $6,082                   3.74
  $ 75001 - 250000                $104,060       $16,420                   3.32

                    ______________________________________________________________
  TOTAL                            $23,195        $1,855                   2.47
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      EDEN UT
                        _________________________________________________
  UNDER $ 5,000        113        $168,924        $2,162      1.28           36
  $  5001 -  10000      66        $491,066       $17,851      3.64           50
  $ 10001 -  15000      64        $802,687       $46,174      5.75           81
  $ 15001 -  20000      61      $1,056,004       $76,054      7.20           93
  $ 20001 -  25000      47      $1,055,145       $72,769      6.90          109
  $ 25001 -  30000      38      $1,053,741       $69,590      6.60          104
  $ 30001 -  35000      42      $1,366,635      $110,776      8.11          102
  $ 35001 -  40000      46      $1,720,738      $135,575      7.88          146
  $ 40001 -  45000      43      $1,819,517      $159,764      8.78          121
  $ 45001 -  50000      40      $1,895,358      $174,103      9.19          117
  $ 50001 -  75000     151      $9,347,807      $926,037      9.91          517
  $ 75001 - 100000      90      $7,656,934      $978,889     12.78          287
  OVER $100,000         70     $11,494,099    $2,257,625     19.64          241

                    ______________________________________________________________
  TOTAL                871     $39,928,655    $5,027,369     12.59         2004
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       13.0             0.4           0.0                    1.8
  $  5001 -  10000     7.6             1.2           0.4                    2.5
  $ 10001 -  15000     7.3             2.0           0.9                    4.0
  $ 15001 -  20000     7.0             2.6           1.5                    4.6
  $ 20001 -  25000     5.4             2.6           1.4                    5.4
  $ 25001 -  30000     4.4             2.6           1.4                    5.2
  $ 30001 -  35000     4.8             3.4           2.2                    5.1
  $ 35001 -  40000     5.3             4.3           2.7                    7.3
  $ 40001 -  45000     4.9             4.6           3.2                    6.0
  $ 45001 -  50000     4.6             4.7           3.5                    5.8
  $ 50001 -  75000    17.3            23.4          18.4                   25.8
  $ 75001 - 100000    10.3            19.2          19.5                   14.3
  OVER $100,000        8.0            28.8          44.9                   12.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,495           $19                   0.32
  $  5001 -  10000                  $7,440          $270                   0.76
  $ 10001 -  15000                 $12,542          $721                   1.27
  $ 15001 -  20000                 $17,312        $1,247                   1.52
  $ 20001 -  25000                 $22,450        $1,548                   2.32
  $ 25001 -  30000                 $27,730        $1,831                   2.74
  $ 30001 -  35000                 $32,539        $2,638                   2.43
  $ 35001 -  40000                 $37,407        $2,947                   3.17
  $ 40001 -  45000                 $42,314        $3,715                   2.81
  $ 45001 -  50000                 $47,384        $4,353                   2.93
  $ 50001 -  75000                 $61,906        $6,133                   3.42
  $ 75001 - 100000                 $85,077       $10,877                   3.19
  OVER $100,000                   $164,201       $32,252                   3.44

                    ______________________________________________________________
  TOTAL                            $45,842        $5,772                   2.30
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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       $-177,665            $0      0.00           29
  $     1  -  5000     255        $664,160        $4,090      0.62           91
  $  5001 -  10000     159      $1,175,074       $28,317      2.41          222
  $ 10001 -  15000     145      $1,823,323       $55,546      3.05          311
  $ 15001 -  20000      98      $1,692,655       $62,339      3.68          282
  $ 20001 -  25000      77      $1,746,269      $101,783      5.83          219
  $ 25001 -  30000      65      $1,778,818      $114,087      6.41          197
  $ 30001 -  35000      53      $1,726,308      $118,322      6.85          185
  $ 35001 -  40000      34      $1,289,131       $91,102      7.07          143
  $ 40001 -  45000      37      $1,558,119      $123,370      7.92          147
  $ 45001 -  50000      42      $1,997,686      $160,454      8.03          177
  $ 50001 -  75000     124      $7,367,928      $679,984      9.23          552
  $ 75001 - 100000      29      $2,513,082      $276,696     11.01          141
  OVER $100,000         29      $4,881,419      $923,132     18.91          113

                    ______________________________________________________________
  TOTAL               1157     $30,036,307    $2,739,222      9.12         2809
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.9            -0.6           0.0                    1.0
  $     1  -  5000    22.0             2.2           0.1                    3.2
  $  5001 -  10000    13.7             3.9           1.0                    7.9
  $ 10001 -  15000    12.5             6.1           2.0                   11.1
  $ 15001 -  20000     8.5             5.6           2.3                   10.0
  $ 20001 -  25000     6.7             5.8           3.7                    7.8
  $ 25001 -  30000     5.6             5.9           4.2                    7.0
  $ 30001 -  35000     4.6             5.7           4.3                    6.6
  $ 35001 -  40000     2.9             4.3           3.3                    5.1
  $ 40001 -  45000     3.2             5.2           4.5                    5.2
  $ 45001 -  50000     3.6             6.7           5.9                    6.3
  $ 50001 -  75000    10.7            24.5          24.8                   19.7
  $ 75001 - 100000     2.5             8.4          10.1                    5.0
  OVER $100,000        2.5            16.3          33.7                    4.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-17,767            $0                   2.90
  $     1  -  5000                  $2,605           $16                   0.36
  $  5001 -  10000                  $7,390          $178                   1.40
  $ 10001 -  15000                 $12,575          $383                   2.14
  $ 15001 -  20000                 $17,272          $636                   2.88
  $ 20001 -  25000                 $22,679        $1,322                   2.84
  $ 25001 -  30000                 $27,366        $1,755                   3.03
  $ 30001 -  35000                 $32,572        $2,232                   3.49
  $ 35001 -  40000                 $37,916        $2,679                   4.21
  $ 40001 -  45000                 $42,111        $3,334                   3.97
  $ 45001 -  50000                 $47,564        $3,820                   4.21
  $ 50001 -  75000                 $59,419        $5,484                   4.45
  $ 75001 - 100000                 $86,658        $9,541                   4.86
  OVER $100,000                   $168,325       $31,832                   3.90

                    ______________________________________________________________
  TOTAL                            $25,961        $2,368                   2.43
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              28       $-567,970          $425     -0.07           44
  $     1  -  5000     752      $1,925,640       $30,444      1.58          134
  $  5001 -  10000     424      $3,048,445      $129,561      4.25          250
  $ 10001 -  15000     291      $3,601,808      $217,553      6.04          332
  $ 15001 -  20000     240      $4,195,222      $279,403      6.66          398
  $ 20001 -  25000     212      $4,727,743      $329,614      6.97          412
  $ 25001 -  30000     177      $4,821,339      $352,220      7.31          427
  $ 30001 -  35000     165      $5,355,872      $383,061      7.15          489
  $ 35001 -  40000     138      $5,205,572      $414,806      7.97          422
  $ 40001 -  45000     163      $6,911,355      $557,522      8.07          531
  $ 45001 -  50000     147      $6,964,707      $602,854      8.66          501
  $ 50001 -  75000     704     $43,207,674    $3,899,742      9.03         2797
  $ 75001 - 100000     364     $31,347,026    $3,618,868     11.54         1492
  $100001 - 250000     353     $50,101,459    $8,236,703     16.44         1482
  OVER $250,000         64     $28,033,810    $7,474,315     26.66          302

                    ______________________________________________________________
  TOTAL               4222    $198,879,702   $26,527,091     13.34        10013
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.3           0.0                    0.4
  $     1  -  5000    17.8             1.0           0.1                    1.3
  $  5001 -  10000    10.0             1.5           0.5                    2.5
  $ 10001 -  15000     6.9             1.8           0.8                    3.3
  $ 15001 -  20000     5.7             2.1           1.1                    4.0
  $ 20001 -  25000     5.0             2.4           1.2                    4.1
  $ 25001 -  30000     4.2             2.4           1.3                    4.3
  $ 30001 -  35000     3.9             2.7           1.4                    4.9
  $ 35001 -  40000     3.3             2.6           1.6                    4.2
  $ 40001 -  45000     3.9             3.5           2.1                    5.3
  $ 45001 -  50000     3.5             3.5           2.3                    5.0
  $ 50001 -  75000    16.7            21.7          14.7                   27.9
  $ 75001 - 100000     8.6            15.8          13.6                   14.9
  $100001 - 250000     8.4            25.2          31.1                   14.8
  OVER $250,000        1.5            14.1          28.2                    3.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-20,285           $15                   1.57
  $     1  -  5000                  $2,561           $40                   0.18
  $  5001 -  10000                  $7,190          $306                   0.59
  $ 10001 -  15000                 $12,377          $748                   1.14
  $ 15001 -  20000                 $17,480        $1,164                   1.66
  $ 20001 -  25000                 $22,301        $1,555                   1.94
  $ 25001 -  30000                 $27,239        $1,990                   2.41
  $ 30001 -  35000                 $32,460        $2,322                   2.96
  $ 35001 -  40000                 $37,722        $3,006                   3.06
  $ 40001 -  45000                 $42,401        $3,420                   3.26
  $ 45001 -  50000                 $47,379        $4,101                   3.41
  $ 50001 -  75000                 $61,375        $5,539                   3.97
  $ 75001 - 100000                 $86,118        $9,942                   4.10
  $100001 - 250000                $141,930       $23,333                   4.20
  OVER $250,000                   $438,028      $116,786                   4.72

                    ______________________________________________________________
  TOTAL                            $47,106        $6,283                   2.37
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              16       $-351,650        $2,085     -0.59           32
  $     1  -  5000     134        $354,500        $2,542      0.72           95
  $  5001 -  10000     122        $895,140       $17,808      1.99          165
  $ 10001 -  15000      88      $1,107,590       $29,329      2.65          201
  $ 15001 -  20000      77      $1,325,388       $53,273      4.02          215
  $ 20001 -  25000      64      $1,428,789       $76,567      5.36          191
  $ 25001 -  30000      46      $1,258,190       $76,531      6.08          146
  $ 30001 -  35000      47      $1,504,156      $103,709      6.89          163
  $ 35001 -  40000      55      $2,058,673      $150,050      7.29          224
  $ 40001 -  45000      49      $2,088,027      $185,133      8.87          170
  $ 45001 -  50000      37      $1,759,507      $141,403      8.04          151
  $ 50001 -  75000      91      $5,486,421      $565,278     10.30          339
  $ 75001 - 100000      20      $1,678,202      $233,115     13.89           66
  OVER $100,000         14      $2,302,113      $455,087     19.77           48

                    ______________________________________________________________
  TOTAL                860     $22,895,046    $2,091,910      9.14         2206
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.9            -1.5           0.1                    1.5
  $     1  -  5000    15.6             1.5           0.1                    4.3
  $  5001 -  10000    14.2             3.9           0.9                    7.5
  $ 10001 -  15000    10.2             4.8           1.4                    9.1
  $ 15001 -  20000     9.0             5.8           2.5                    9.7
  $ 20001 -  25000     7.4             6.2           3.7                    8.7
  $ 25001 -  30000     5.3             5.5           3.7                    6.6
  $ 30001 -  35000     5.5             6.6           5.0                    7.4
  $ 35001 -  40000     6.4             9.0           7.2                   10.2
  $ 40001 -  45000     5.7             9.1           8.8                    7.7
  $ 45001 -  50000     4.3             7.7           6.8                    6.8
  $ 50001 -  75000    10.6            24.0          27.0                   15.4
  $ 75001 - 100000     2.3             7.3          11.1                    3.0
  OVER $100,000        1.6            10.1          21.8                    2.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-21,978          $130                   2.00
  $     1  -  5000                  $2,646           $19                   0.71
  $  5001 -  10000                  $7,337          $146                   1.35
  $ 10001 -  15000                 $12,586          $333                   2.28
  $ 15001 -  20000                 $17,213          $692                   2.79
  $ 20001 -  25000                 $22,325        $1,196                   2.98
  $ 25001 -  30000                 $27,352        $1,664                   3.17
  $ 30001 -  35000                 $32,003        $2,207                   3.47
  $ 35001 -  40000                 $37,430        $2,728                   4.07
  $ 40001 -  45000                 $42,613        $3,778                   3.47
  $ 45001 -  50000                 $47,554        $3,822                   4.08
  $ 50001 -  75000                 $60,290        $6,212                   3.73
  $ 75001 - 100000                 $83,910       $11,656                   3.30
  OVER $100,000                   $164,437       $32,506                   3.43

                    ______________________________________________________________
  TOTAL                            $26,622        $2,432                   2.57
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      FRUIT HEIGHTS UT
                        _________________________________________________
  UNDER $1              10        $-31,333            $0      0.00            6
  $     1  -  5000     351        $888,841       $13,207      1.49           66
  $  5001 -  10000     242      $1,724,914       $88,333      5.12           95
  $ 10001 -  15000     130      $1,610,100      $107,146      6.65          124
  $ 15001 -  20000      82      $1,433,607      $100,276      6.99          123
  $ 20001 -  25000      74      $1,615,655      $118,480      7.33          139
  $ 25001 -  30000      64      $1,759,811      $128,624      7.31          146
  $ 30001 -  35000      49      $1,581,877      $132,846      8.40          109
  $ 35001 -  40000      49      $1,834,503      $171,331      9.34          127
  $ 40001 -  45000      48      $2,032,400      $178,190      8.77          136
  $ 45001 -  50000      50      $2,372,753      $186,001      7.84          187
  $ 50001 -  75000     255     $15,798,344    $1,362,565      8.62         1063
  $ 75001 - 100000     175     $14,791,085    $1,654,605     11.19          698
  $100001 - 250000     154     $20,615,863    $3,324,792     16.13          663
  OVER $250,000         28     $14,097,379    $3,663,249     25.99          138

                    ______________________________________________________________
  TOTAL               1761     $82,125,799   $11,229,645     13.67         3820
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.0           0.0                    0.2
  $     1  -  5000    19.9             1.1           0.1                    1.7
  $  5001 -  10000    13.7             2.1           0.8                    2.5
  $ 10001 -  15000     7.4             2.0           1.0                    3.2
  $ 15001 -  20000     4.7             1.7           0.9                    3.2
  $ 20001 -  25000     4.2             2.0           1.1                    3.6
  $ 25001 -  30000     3.6             2.1           1.1                    3.8
  $ 30001 -  35000     2.8             1.9           1.2                    2.9
  $ 35001 -  40000     2.8             2.2           1.5                    3.3
  $ 40001 -  45000     2.7             2.5           1.6                    3.6
  $ 45001 -  50000     2.8             2.9           1.7                    4.9
  $ 50001 -  75000    14.5            19.2          12.1                   27.8
  $ 75001 - 100000     9.9            18.0          14.7                   18.3
  $100001 - 250000     8.7            25.1          29.6                   17.4
  OVER $250,000        1.6            17.2          32.6                    3.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-3,133            $0                   0.60
  $     1  -  5000                  $2,532           $38                   0.19
  $  5001 -  10000                  $7,128          $365                   0.39
  $ 10001 -  15000                 $12,385          $824                   0.95
  $ 15001 -  20000                 $17,483        $1,223                   1.50
  $ 20001 -  25000                 $21,833        $1,601                   1.88
  $ 25001 -  30000                 $27,497        $2,010                   2.28
  $ 30001 -  35000                 $32,283        $2,711                   2.22
  $ 35001 -  40000                 $37,439        $3,497                   2.59
  $ 40001 -  45000                 $42,342        $3,712                   2.83
  $ 45001 -  50000                 $47,455        $3,720                   3.74
  $ 50001 -  75000                 $61,954        $5,343                   4.17
  $ 75001 - 100000                 $84,520        $9,455                   3.99
  $100001 - 250000                $133,869       $21,590                   4.31
  OVER $250,000                   $503,478      $130,830                   4.93

                    ______________________________________________________________
  TOTAL                            $46,636        $6,377                   2.17
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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 $ 5,000        151        $-62,294        $2,745     -4.41           81
  $  5001 -  10000     124        $904,397       $30,674      3.39          145
  $ 10001 -  15000      89      $1,120,473       $44,953      4.01          153
  $ 15001 -  20000      75      $1,313,149       $66,703      5.08          171
  $ 20001 -  25000     106      $2,372,764      $160,562      6.77          248
  $ 25001 -  30000      88      $2,409,852      $164,000      6.81          253
  $ 30001 -  35000      76      $2,454,587      $178,259      7.26          248
  $ 35001 -  40000      79      $2,953,748      $224,293      7.59          298
  $ 40001 -  45000      67      $2,853,141      $241,384      8.46          263
  $ 45001 -  50000      52      $2,469,830      $216,406      8.76          215
  $ 50001 -  75000     174     $10,509,266    $1,078,342     10.26          724
  $ 75001 - 100000      37      $3,081,304      $407,360     13.22          126
  OVER $100,000         12      $1,890,106      $341,633     18.07           52

                    ______________________________________________________________
  TOTAL               1130     $34,270,323    $3,157,314      9.21         2977
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       13.4            -0.2           0.1                    2.7
  $  5001 -  10000    11.0             2.6           1.0                    4.9
  $ 10001 -  15000     7.9             3.3           1.4                    5.1
  $ 15001 -  20000     6.6             3.8           2.1                    5.7
  $ 20001 -  25000     9.4             6.9           5.1                    8.3
  $ 25001 -  30000     7.8             7.0           5.2                    8.5
  $ 30001 -  35000     6.7             7.2           5.6                    8.3
  $ 35001 -  40000     7.0             8.6           7.1                   10.0
  $ 40001 -  45000     5.9             8.3           7.6                    8.8
  $ 45001 -  50000     4.6             7.2           6.9                    7.2
  $ 50001 -  75000    15.4            30.7          34.2                   24.3
  $ 75001 - 100000     3.3             9.0          12.9                    4.2
  OVER $100,000        1.1             5.5          10.8                    1.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                      $-413           $18                   0.54
  $  5001 -  10000                  $7,294          $247                   1.17
  $ 10001 -  15000                 $12,590          $505                   1.72
  $ 15001 -  20000                 $17,509          $889                   2.28
  $ 20001 -  25000                 $22,385        $1,515                   2.34
  $ 25001 -  30000                 $27,385        $1,864                   2.88
  $ 30001 -  35000                 $32,297        $2,346                   3.26
  $ 35001 -  40000                 $37,389        $2,839                   3.77
  $ 40001 -  45000                 $42,584        $3,603                   3.93
  $ 45001 -  50000                 $47,497        $4,162                   4.13
  $ 50001 -  75000                 $60,398        $6,197                   4.16
  $ 75001 - 100000                 $83,278       $11,010                   3.41
  OVER $100,000                   $157,509       $28,469                   4.33

                    ______________________________________________________________
  TOTAL                            $30,328        $2,794                   2.63
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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        353        $752,456       $13,944      1.85          156
  $  5001 -  10000     224      $1,686,211       $42,861      2.54          274
  $ 10001 -  15000     229      $2,830,753      $138,670      4.90          351
  $ 15001 -  20000     190      $3,321,526      $183,628      5.53          375
  $ 20001 -  25000     184      $4,133,560      $282,204      6.83          421
  $ 25001 -  30000     164      $4,524,729      $341,449      7.55          420
  $ 30001 -  35000     151      $4,905,005      $416,293      8.49          416
  $ 35001 -  40000     163      $6,087,705      $553,807      9.10          475
  $ 40001 -  45000     145      $6,147,574      $556,658      9.05          480
  $ 45001 -  50000     139      $6,608,115      $626,625      9.48          483
  $ 50001 -  75000     346     $20,905,429    $2,153,002     10.30         1253
  $ 75001 - 100000      88      $7,493,930    $1,001,123     13.36          333
  OVER $100,000         25      $4,337,504      $868,990     20.03           91

                    ______________________________________________________________
  TOTAL               2401     $73,734,497    $7,179,254      9.74         5528
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       14.7             1.0           0.2                    2.8
  $  5001 -  10000     9.3             2.3           0.6                    5.0
  $ 10001 -  15000     9.5             3.8           1.9                    6.3
  $ 15001 -  20000     7.9             4.5           2.6                    6.8
  $ 20001 -  25000     7.7             5.6           3.9                    7.6
  $ 25001 -  30000     6.8             6.1           4.8                    7.6
  $ 30001 -  35000     6.3             6.7           5.8                    7.5
  $ 35001 -  40000     6.8             8.3           7.7                    8.6
  $ 40001 -  45000     6.0             8.3           7.8                    8.7
  $ 45001 -  50000     5.8             9.0           8.7                    8.7
  $ 50001 -  75000    14.4            28.4          30.0                   22.7
  $ 75001 - 100000     3.7            10.2          13.9                    6.0
  OVER $100,000        1.0             5.9          12.1                    1.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,132           $40                   0.44
  $  5001 -  10000                  $7,528          $191                   1.22
  $ 10001 -  15000                 $12,361          $606                   1.53
  $ 15001 -  20000                 $17,482          $966                   1.97
  $ 20001 -  25000                 $22,465        $1,534                   2.29
  $ 25001 -  30000                 $27,590        $2,082                   2.56
  $ 30001 -  35000                 $32,483        $2,757                   2.75
  $ 35001 -  40000                 $37,348        $3,398                   2.91
  $ 40001 -  45000                 $42,397        $3,839                   3.31
  $ 45001 -  50000                 $47,540        $4,508                   3.47
  $ 50001 -  75000                 $60,420        $6,223                   3.62
  $ 75001 - 100000                 $85,158       $11,376                   3.78
  OVER $100,000                   $173,500       $34,760                   3.64

                    ______________________________________________________________
  TOTAL                            $30,710        $2,990                   2.30
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              22       $-651,194        $4,417     -0.68           58
  $     1  -  5000     594      $1,682,144       $20,088      1.19          229
  $  5001 -  10000     375      $2,777,027       $92,021      3.31          368
  $ 10001 -  15000     353      $4,384,109      $186,627      4.26          555
  $ 15001 -  20000     322      $5,604,469      $327,179      5.84          612
  $ 20001 -  25000     299      $6,734,870      $439,951      6.53          703
  $ 25001 -  30000     244      $6,710,762      $492,733      7.34          616
  $ 30001 -  35000     220      $7,188,426      $548,853      7.64          618
  $ 35001 -  40000     198      $7,421,118      $580,234      7.82          620
  $ 40001 -  45000     180      $7,683,443      $633,266      8.24          638
  $ 45001 -  50000     151      $7,189,809      $593,736      8.26          528
  $ 50001 -  75000     514     $30,842,575    $3,004,196      9.74         1911
  $ 75001 - 100000     142     $12,097,296    $1,485,754     12.28          524
  $100001 - 250000     112     $15,469,476    $2,588,613     16.73          413
  OVER $250,000         24     $10,343,183    $2,697,945     26.08           91

                    ______________________________________________________________
  TOTAL               3750    $125,477,513   $13,695,613     10.91         8484
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.5           0.0                    0.7
  $     1  -  5000    15.8             1.3           0.1                    2.7
  $  5001 -  10000    10.0             2.2           0.7                    4.3
  $ 10001 -  15000     9.4             3.5           1.4                    6.5
  $ 15001 -  20000     8.6             4.5           2.4                    7.2
  $ 20001 -  25000     8.0             5.4           3.2                    8.3
  $ 25001 -  30000     6.5             5.3           3.6                    7.3
  $ 30001 -  35000     5.9             5.7           4.0                    7.3
  $ 35001 -  40000     5.3             5.9           4.2                    7.3
  $ 40001 -  45000     4.8             6.1           4.6                    7.5
  $ 45001 -  50000     4.0             5.7           4.3                    6.2
  $ 50001 -  75000    13.7            24.6          21.9                   22.5
  $ 75001 - 100000     3.8             9.6          10.8                    6.2
  $100001 - 250000     3.0            12.3          18.9                    4.9
  OVER $250,000        0.6             8.2          19.7                    1.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-29,600          $201                   2.64
  $     1  -  5000                  $2,832           $34                   0.39
  $  5001 -  10000                  $7,405          $245                   0.98
  $ 10001 -  15000                 $12,420          $529                   1.57
  $ 15001 -  20000                 $17,405        $1,016                   1.90
  $ 20001 -  25000                 $22,525        $1,471                   2.35
  $ 25001 -  30000                 $27,503        $2,019                   2.52
  $ 30001 -  35000                 $32,675        $2,495                   2.81
  $ 35001 -  40000                 $37,480        $2,930                   3.13
  $ 40001 -  45000                 $42,686        $3,518                   3.54
  $ 45001 -  50000                 $47,615        $3,932                   3.50
  $ 50001 -  75000                 $60,005        $5,845                   3.72
  $ 75001 - 100000                 $85,192       $10,463                   3.69
  $100001 - 250000                $138,120       $23,113                   3.69
  OVER $250,000                   $430,966      $112,414                   3.79

                    ______________________________________________________________
  TOTAL                            $33,461        $3,652                   2.26
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              10       $-116,079            $0      0.00            9
  $     1  -  5000     207        $510,023        $3,035      0.60          112
  $  5001 -  10000     186      $1,365,295       $34,452      2.52          228
  $ 10001 -  15000     159      $1,940,291       $67,212      3.46          271
  $ 15001 -  20000     132      $2,295,369      $118,986      5.18          273
  $ 20001 -  25000     100      $2,229,667      $151,700      6.80          224
  $ 25001 -  30000      89      $2,441,469      $186,251      7.63          225
  $ 30001 -  35000      91      $2,930,739      $246,143      8.40          240
  $ 35001 -  40000      67      $2,519,669      $254,441     10.10          181
  $ 40001 -  45000      75      $3,194,800      $319,734     10.01          214
  $ 45001 -  50000      81      $3,844,306      $398,920     10.38          242
  $ 50001 -  75000     256     $15,551,519    $1,803,411     11.60          855
  $ 75001 - 100000      79      $6,642,647    $1,027,462     15.47          247
  OVER $100,000         30      $3,992,718      $780,707     19.55           95

                    ______________________________________________________________
  TOTAL               1562     $49,342,433    $5,392,454     10.93         3416
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.2           0.0                    0.3
  $     1  -  5000    13.3             1.0           0.1                    3.3
  $  5001 -  10000    11.9             2.8           0.6                    6.7
  $ 10001 -  15000    10.2             3.9           1.2                    7.9
  $ 15001 -  20000     8.5             4.7           2.2                    8.0
  $ 20001 -  25000     6.4             4.5           2.8                    6.6
  $ 25001 -  30000     5.7             4.9           3.5                    6.6
  $ 30001 -  35000     5.8             5.9           4.6                    7.0
  $ 35001 -  40000     4.3             5.1           4.7                    5.3
  $ 40001 -  45000     4.8             6.5           5.9                    6.3
  $ 45001 -  50000     5.2             7.8           7.4                    7.1
  $ 50001 -  75000    16.4            31.5          33.4                   25.0
  $ 75001 - 100000     5.1            13.5          19.1                    7.2
  OVER $100,000        1.9             8.1          14.5                    2.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-11,608            $0                   0.90
  $     1  -  5000                  $2,464           $15                   0.54
  $  5001 -  10000                  $7,340          $185                   1.23
  $ 10001 -  15000                 $12,203          $423                   1.70
  $ 15001 -  20000                 $17,389          $901                   2.07
  $ 20001 -  25000                 $22,297        $1,517                   2.24
  $ 25001 -  30000                 $27,432        $2,093                   2.53
  $ 30001 -  35000                 $32,206        $2,705                   2.64
  $ 35001 -  40000                 $37,607        $3,798                   2.70
  $ 40001 -  45000                 $42,597        $4,263                   2.85
  $ 45001 -  50000                 $47,461        $4,925                   2.99
  $ 50001 -  75000                 $60,748        $7,045                   3.34
  $ 75001 - 100000                 $84,084       $13,006                   3.13
  OVER $100,000                   $133,091       $26,024                   3.17

                    ______________________________________________________________
  TOTAL                            $31,589        $3,452                   2.19
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              11       $-316,264        $3,157     -1.00           41
  $     1  -  5000     480      $1,160,456       $10,670      0.92           98
  $  5001 -  10000     305      $2,199,506       $94,370      4.29          191
  $ 10001 -  15000     160      $2,016,110      $110,673      5.49          220
  $ 15001 -  20000     108      $1,868,293      $127,013      6.80          164
  $ 20001 -  25000      81      $1,829,172      $107,306      5.87          196
  $ 25001 -  30000      67      $1,849,237      $138,102      7.47          166
  $ 30001 -  35000      70      $2,261,278      $137,122      6.06          234
  $ 35001 -  40000      67      $2,513,475      $149,988      5.97          262
  $ 40001 -  45000      85      $3,624,062      $255,517      7.05          356
  $ 45001 -  50000      64      $3,053,988      $235,455      7.71          259
  $ 50001 -  75000     376     $23,190,579    $1,936,042      8.35         1657
  $ 75001 - 100000     215     $18,539,467    $1,959,219     10.57         1003
  $100001 - 250000     192     $26,439,155    $4,067,940     15.39          969
  OVER $250,000         26     $10,073,505    $2,487,531     24.69          127

                    ______________________________________________________________
  TOTAL               2307    $100,302,019   $11,820,105     11.78         5943
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.3           0.0                    0.7
  $     1  -  5000    20.8             1.2           0.1                    1.6
  $  5001 -  10000    13.2             2.2           0.8                    3.2
  $ 10001 -  15000     6.9             2.0           0.9                    3.7
  $ 15001 -  20000     4.7             1.9           1.1                    2.8
  $ 20001 -  25000     3.5             1.8           0.9                    3.3
  $ 25001 -  30000     2.9             1.8           1.2                    2.8
  $ 30001 -  35000     3.0             2.3           1.2                    3.9
  $ 35001 -  40000     2.9             2.5           1.3                    4.4
  $ 40001 -  45000     3.7             3.6           2.2                    6.0
  $ 45001 -  50000     2.8             3.0           2.0                    4.4
  $ 50001 -  75000    16.3            23.1          16.4                   27.9
  $ 75001 - 100000     9.3            18.5          16.6                   16.9
  $100001 - 250000     8.3            26.4          34.4                   16.3
  OVER $250,000        1.1            10.0          21.0                    2.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-28,751          $287                   3.73
  $     1  -  5000                  $2,418           $22                   0.20
  $  5001 -  10000                  $7,211          $309                   0.63
  $ 10001 -  15000                 $12,601          $692                   1.38
  $ 15001 -  20000                 $17,299        $1,176                   1.52
  $ 20001 -  25000                 $22,582        $1,325                   2.42
  $ 25001 -  30000                 $27,601        $2,061                   2.48
  $ 30001 -  35000                 $32,304        $1,959                   3.34
  $ 35001 -  40000                 $37,515        $2,239                   3.91
  $ 40001 -  45000                 $42,636        $3,006                   4.19
  $ 45001 -  50000                 $47,719        $3,679                   4.05
  $ 50001 -  75000                 $61,677        $5,149                   4.41
  $ 75001 - 100000                 $86,230        $9,113                   4.67
  $100001 - 250000                $137,704       $21,187                   5.05
  OVER $250,000                   $387,443       $95,674                   4.88

                    ______________________________________________________________
  TOTAL                            $43,477        $5,124                   2.58
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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
                        _________________________________________________
  $     1  -  5000      94        $223,845        $2,182      0.97           27
  $  5001 -  10000     230      $1,892,095       $62,345      3.30          217
  $ 10001 -  15000     431      $5,271,608      $280,823      5.33          598
  $ 15001 -  20000     231      $4,067,165      $148,305      3.65          658
  $ 20001 -  25000     225      $5,059,494      $236,902      4.68          741
  $ 25001 -  30000     152      $4,190,633      $234,596      5.60          577
  $ 30001 -  35000     126      $4,073,846      $291,265      7.15          436
  $ 35001 -  40000     108      $4,047,113      $316,538      7.82          412
  $ 40001 -  45000      73      $3,089,802      $275,770      8.93          271
  $ 45001 -  50000      43      $2,032,637      $186,836      9.19          169
  $ 50001 -  75000      76      $4,431,662      $479,267     10.81          272
  $ 75001 - 250000      18      $1,683,399      $282,536     16.78           63

                    ______________________________________________________________
  TOTAL               1807     $40,063,299    $2,797,365      6.98         4441
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  $     1  -  5000     5.2             0.6           0.1                    0.6
  $  5001 -  10000    12.7             4.7           2.2                    4.9
  $ 10001 -  15000    23.9            13.2          10.0                   13.5
  $ 15001 -  20000    12.8            10.2           5.3                   14.8
  $ 20001 -  25000    12.5            12.6           8.5                   16.7
  $ 25001 -  30000     8.4            10.5           8.4                   13.0
  $ 30001 -  35000     7.0            10.2          10.4                    9.8
  $ 35001 -  40000     6.0            10.1          11.3                    9.3
  $ 40001 -  45000     4.0             7.7           9.9                    6.1
  $ 45001 -  50000     2.4             5.1           6.7                    3.8
  $ 50001 -  75000     4.2            11.1          17.1                    6.1
  $ 75001 - 250000     1.0             4.2          10.1                    1.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  $     1  -  5000                  $2,381           $23                   0.29
  $  5001 -  10000                  $8,227          $271                   0.94
  $ 10001 -  15000                 $12,231          $652                   1.39
  $ 15001 -  20000                 $17,607          $642                   2.85
  $ 20001 -  25000                 $22,487        $1,053                   3.29
  $ 25001 -  30000                 $27,570        $1,543                   3.80
  $ 30001 -  35000                 $32,332        $2,312                   3.46
  $ 35001 -  40000                 $37,473        $2,931                   3.81
  $ 40001 -  45000                 $42,326        $3,778                   3.71
  $ 45001 -  50000                 $47,271        $4,345                   3.93
  $ 50001 -  75000                 $58,311        $6,306                   3.58
  $ 75001 - 250000                 $93,522       $15,696                   3.50

                    ______________________________________________________________
  TOTAL                            $22,171        $1,548                   2.46
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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        154       $-287,583        $4,924     -1.71           82
  $  5001 -  10000     171      $1,247,139       $34,565      2.77          182
  $ 10001 -  15000     148      $1,860,716       $98,225      5.28          204
  $ 15001 -  20000     149      $2,603,459      $191,144      7.34          226
  $ 20001 -  25000     148      $3,319,417      $263,638      7.94          265
  $ 25001 -  30000     121      $3,321,293      $296,081      8.91          222
  $ 30001 -  35000      93      $3,007,265      $278,001      9.24          192
  $ 35001 -  40000      69      $2,584,828      $255,975      9.90          160
  $ 40001 -  45000      71      $3,011,398      $319,946     10.62          168
  $ 45001 -  50000      48      $2,279,551      $231,263     10.15          127
  $ 50001 -  75000     146      $8,874,997      $991,921     11.18          406
  $ 75001 - 100000      71      $6,064,814      $790,316     13.03          229
  $100001 - 250000      56      $7,832,558    $1,404,266     17.93          189
  OVER $250,000         14      $7,013,866    $2,053,602     29.28           51

                    ______________________________________________________________
  TOTAL               1459     $52,733,718    $7,213,867     13.68         2703
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       10.6            -0.5           0.1                    3.0
  $  5001 -  10000    11.7             2.4           0.5                    6.7
  $ 10001 -  15000    10.1             3.5           1.4                    7.5
  $ 15001 -  20000    10.2             4.9           2.6                    8.4
  $ 20001 -  25000    10.1             6.3           3.7                    9.8
  $ 25001 -  30000     8.3             6.3           4.1                    8.2
  $ 30001 -  35000     6.4             5.7           3.9                    7.1
  $ 35001 -  40000     4.7             4.9           3.5                    5.9
  $ 40001 -  45000     4.9             5.7           4.4                    6.2
  $ 45001 -  50000     3.3             4.3           3.2                    4.7
  $ 50001 -  75000    10.0            16.8          13.8                   15.0
  $ 75001 - 100000     4.9            11.5          11.0                    8.5
  $100001 - 250000     3.8            14.9          19.5                    7.0
  OVER $250,000        1.0            13.3          28.5                    1.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                    $-1,867           $32                   0.53
  $  5001 -  10000                  $7,293          $202                   1.06
  $ 10001 -  15000                 $12,572          $664                   1.38
  $ 15001 -  20000                 $17,473        $1,283                   1.52
  $ 20001 -  25000                 $22,428        $1,781                   1.79
  $ 25001 -  30000                 $27,449        $2,447                   1.83
  $ 30001 -  35000                 $32,336        $2,989                   2.06
  $ 35001 -  40000                 $37,461        $3,710                   2.32
  $ 40001 -  45000                 $42,414        $4,506                   2.37
  $ 45001 -  50000                 $47,491        $4,818                   2.65
  $ 50001 -  75000                 $60,788        $6,794                   2.78
  $ 75001 - 100000                 $85,420       $11,131                   3.23
  $100001 - 250000                $139,867       $25,076                   3.38
  OVER $250,000                   $500,990      $146,686                   3.64

                    ______________________________________________________________
  TOTAL                            $36,144        $4,944                   1.85
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      HOOPER UT
                        _________________________________________________
  UNDER $1              15       $-298,469            $0      0.00           34
  $     1  -  5000     303        $753,719        $6,863      0.91           88
  $  5001 -  10000     244      $1,812,764       $64,862      3.58          189
  $ 10001 -  15000     168      $2,099,593      $107,619      5.13          239
  $ 15001 -  20000     161      $2,826,336      $186,620      6.60          259
  $ 20001 -  25000     140      $3,131,828      $235,806      7.53          256
  $ 25001 -  30000     132      $3,626,769      $269,104      7.42          309
  $ 30001 -  35000     108      $3,519,079      $282,979      8.04          287
  $ 35001 -  40000     118      $4,426,990      $371,654      8.40          350
  $ 40001 -  45000     109      $4,634,557      $388,843      8.39          343
  $ 45001 -  50000     104      $4,936,309      $407,901      8.26          374
  $ 50001 -  75000     508     $30,983,729    $3,012,683      9.72         1848
  $ 75001 - 100000     152     $12,779,302    $1,628,970     12.75          534
  OVER $100,000         59      $9,805,829    $1,983,765     20.23          220

                    ______________________________________________________________
  TOTAL               2321     $85,038,335    $8,947,669     10.52         5330
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.4           0.0                    0.6
  $     1  -  5000    13.1             0.9           0.1                    1.7
  $  5001 -  10000    10.5             2.1           0.7                    3.5
  $ 10001 -  15000     7.2             2.5           1.2                    4.5
  $ 15001 -  20000     6.9             3.3           2.1                    4.9
  $ 20001 -  25000     6.0             3.7           2.6                    4.8
  $ 25001 -  30000     5.7             4.3           3.0                    5.8
  $ 30001 -  35000     4.7             4.1           3.2                    5.4
  $ 35001 -  40000     5.1             5.2           4.2                    6.6
  $ 40001 -  45000     4.7             5.4           4.3                    6.4
  $ 45001 -  50000     4.5             5.8           4.6                    7.0
  $ 50001 -  75000    21.9            36.4          33.7                   34.7
  $ 75001 - 100000     6.5            15.0          18.2                   10.0
  OVER $100,000        2.5            11.5          22.2                    4.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-19,898            $0                   2.27
  $     1  -  5000                  $2,488           $23                   0.29
  $  5001 -  10000                  $7,429          $266                   0.77
  $ 10001 -  15000                 $12,498          $641                   1.42
  $ 15001 -  20000                 $17,555        $1,159                   1.61
  $ 20001 -  25000                 $22,370        $1,684                   1.83
  $ 25001 -  30000                 $27,476        $2,039                   2.34
  $ 30001 -  35000                 $32,584        $2,620                   2.66
  $ 35001 -  40000                 $37,517        $3,150                   2.97
  $ 40001 -  45000                 $42,519        $3,567                   3.15
  $ 45001 -  50000                 $47,465        $3,922                   3.60
  $ 50001 -  75000                 $60,992        $5,930                   3.64
  $ 75001 - 100000                 $84,074       $10,717                   3.51
  OVER $100,000                   $166,200       $33,623                   3.73

                    ______________________________________________________________
  TOTAL                            $36,639        $3,855                   2.30
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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        135        $281,930        $1,954      0.69           96
  $  5001 -  10000     114        $840,504       $17,100      2.03          175
  $ 10001 -  15000      92      $1,124,328       $38,124      3.39          169
  $ 15001 -  20000      79      $1,385,499       $68,582      4.95          195
  $ 20001 -  25000      72      $1,622,841       $81,950      5.05          236
  $ 25001 -  30000      52      $1,420,132       $89,526      6.30          181
  $ 30001 -  35000      48      $1,554,423      $112,414      7.23          174
  $ 35001 -  40000      47      $1,764,474      $149,646      8.48          151
  $ 40001 -  45000      47      $1,994,444      $177,799      8.91          166
  $ 45001 -  50000      55      $2,606,473      $227,503      8.73          212
  $ 50001 -  75000     162      $9,936,561    $1,085,130     10.92          622
  $ 75001 - 100000      36      $3,019,695      $421,536     13.96          136
  $100001 - 250000      11      $1,578,509      $288,196     18.26           41

                    ______________________________________________________________
  TOTAL                950     $29,129,813    $2,759,460      9.47         2554
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       14.2             1.0           0.1                    3.8
  $  5001 -  10000    12.0             2.9           0.6                    6.9
  $ 10001 -  15000     9.7             3.9           1.4                    6.6
  $ 15001 -  20000     8.3             4.8           2.5                    7.6
  $ 20001 -  25000     7.6             5.6           3.0                    9.2
  $ 25001 -  30000     5.5             4.9           3.2                    7.1
  $ 30001 -  35000     5.1             5.3           4.1                    6.8
  $ 35001 -  40000     4.9             6.1           5.4                    5.9
  $ 40001 -  45000     4.9             6.8           6.4                    6.5
  $ 45001 -  50000     5.8             8.9           8.2                    8.3
  $ 50001 -  75000    17.1            34.1          39.3                   24.4
  $ 75001 - 100000     3.8            10.4          15.3                    5.3
  $100001 - 250000     1.2             5.4          10.4                    1.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,088           $14                   0.71
  $  5001 -  10000                  $7,373          $150                   1.54
  $ 10001 -  15000                 $12,221          $414                   1.84
  $ 15001 -  20000                 $17,538          $868                   2.47
  $ 20001 -  25000                 $22,539        $1,138                   3.28
  $ 25001 -  30000                 $27,310        $1,722                   3.48
  $ 30001 -  35000                 $32,384        $2,342                   3.63
  $ 35001 -  40000                 $37,542        $3,184                   3.21
  $ 40001 -  45000                 $42,435        $3,783                   3.53
  $ 45001 -  50000                 $47,390        $4,136                   3.85
  $ 50001 -  75000                 $61,337        $6,698                   3.84
  $ 75001 - 100000                 $83,880       $11,709                   3.78
  $100001 - 250000                $143,501       $26,200                   3.73

                    ______________________________________________________________
  TOTAL                            $30,663        $2,905                   2.69
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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        138        $263,690        $3,969      1.51           40
  $  5001 -  10000      70        $531,232       $15,611      2.94           86
  $ 10001 -  15000      60        $747,393       $33,642      4.50           86
  $ 15001 -  20000      59      $1,029,378       $56,026      5.44          118
  $ 20001 -  25000      46      $1,038,994       $75,516      7.27           92
  $ 25001 -  30000      34        $932,861       $75,492      8.09           73
  $ 30001 -  35000      26        $843,586       $65,619      7.78           64
  $ 35001 -  40000      35      $1,319,717      $125,717      9.53           85
  $ 40001 -  45000      31      $1,312,206      $117,805      8.98           93
  $ 45001 -  50000      45      $2,137,232      $196,295      9.18          148
  $ 50001 -  75000     139      $8,481,775      $867,517     10.23          514
  $ 75001 - 100000      50      $4,236,961      $518,418     12.24          186
  OVER $100,000         57      $9,997,750    $1,974,117     19.75          215

                    ______________________________________________________________
  TOTAL                790     $32,872,775    $4,125,744     12.55         1800
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       17.5             0.8           0.1                    2.2
  $  5001 -  10000     8.9             1.6           0.4                    4.8
  $ 10001 -  15000     7.6             2.3           0.8                    4.8
  $ 15001 -  20000     7.5             3.1           1.4                    6.6
  $ 20001 -  25000     5.8             3.2           1.8                    5.1
  $ 25001 -  30000     4.3             2.8           1.8                    4.1
  $ 30001 -  35000     3.3             2.6           1.6                    3.6
  $ 35001 -  40000     4.4             4.0           3.0                    4.7
  $ 40001 -  45000     3.9             4.0           2.9                    5.2
  $ 45001 -  50000     5.7             6.5           4.8                    8.2
  $ 50001 -  75000    17.6            25.8          21.0                   28.6
  $ 75001 - 100000     6.3            12.9          12.6                   10.3
  OVER $100,000        7.2            30.4          47.8                   11.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,911           $29                   0.29
  $  5001 -  10000                  $7,589          $223                   1.23
  $ 10001 -  15000                 $12,457          $561                   1.43
  $ 15001 -  20000                 $17,447          $950                   2.00
  $ 20001 -  25000                 $22,587        $1,642                   2.00
  $ 25001 -  30000                 $27,437        $2,220                   2.15
  $ 30001 -  35000                 $32,446        $2,524                   2.46
  $ 35001 -  40000                 $37,706        $3,592                   2.43
  $ 40001 -  45000                 $42,329        $3,800                   3.00
  $ 45001 -  50000                 $47,494        $4,362                   3.29
  $ 50001 -  75000                 $61,020        $6,241                   3.70
  $ 75001 - 100000                 $84,739       $10,368                   3.72
  OVER $100,000                   $175,399       $34,634                   3.77

                    ______________________________________________________________
  TOTAL                            $41,611        $5,222                   2.28
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              33       $-848,484            $0      0.00           73
  $     1  -  5000     322        $848,127        $3,169      0.37          209
  $  5001 -  10000     364      $2,721,535       $61,335      2.25          485
  $ 10001 -  15000     322      $3,988,017      $146,160      3.66          620
  $ 15001 -  20000     288      $5,009,934      $230,784      4.61          671
  $ 20001 -  25000     229      $5,138,841      $290,086      5.64          588
  $ 25001 -  30000     181      $4,976,088      $318,245      6.40          513
  $ 30001 -  35000     182      $5,909,365      $393,357      6.66          623
  $ 35001 -  40000     167      $6,273,259      $444,076      7.08          587
  $ 40001 -  45000     127      $5,395,939      $408,466      7.57          488
  $ 45001 -  50000     103      $4,864,459      $418,027      8.59          339
  $ 50001 -  75000     252     $15,110,443    $1,401,756      9.28          919
  $ 75001 - 100000      63      $5,353,979      $660,185     12.33          217
  OVER $100,000         38      $7,611,471    $1,642,115     21.57          126

                    ______________________________________________________________
  TOTAL               2671     $72,352,973    $6,417,761      8.87         6458
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.2            -1.2           0.0                    1.1
  $     1  -  5000    12.1             1.2           0.0                    3.2
  $  5001 -  10000    13.6             3.8           1.0                    7.5
  $ 10001 -  15000    12.1             5.5           2.3                    9.6
  $ 15001 -  20000    10.8             6.9           3.6                   10.4
  $ 20001 -  25000     8.6             7.1           4.5                    9.1
  $ 25001 -  30000     6.8             6.9           5.0                    7.9
  $ 30001 -  35000     6.8             8.2           6.1                    9.6
  $ 35001 -  40000     6.3             8.7           6.9                    9.1
  $ 40001 -  45000     4.8             7.5           6.4                    7.6
  $ 45001 -  50000     3.9             6.7           6.5                    5.2
  $ 50001 -  75000     9.4            20.9          21.8                   14.2
  $ 75001 - 100000     2.4             7.4          10.3                    3.4
  OVER $100,000        1.4            10.5          25.6                    2.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-25,712            $0                   2.21
  $     1  -  5000                  $2,634           $10                   0.65
  $  5001 -  10000                  $7,477          $169                   1.33
  $ 10001 -  15000                 $12,385          $454                   1.93
  $ 15001 -  20000                 $17,396          $801                   2.33
  $ 20001 -  25000                 $22,440        $1,267                   2.57
  $ 25001 -  30000                 $27,492        $1,758                   2.83
  $ 30001 -  35000                 $32,469        $2,161                   3.42
  $ 35001 -  40000                 $37,564        $2,659                   3.51
  $ 40001 -  45000                 $42,488        $3,216                   3.84
  $ 45001 -  50000                 $47,228        $4,059                   3.29
  $ 50001 -  75000                 $59,962        $5,563                   3.65
  $ 75001 - 100000                 $84,984       $10,479                   3.44
  OVER $100,000                   $200,302       $43,214                   3.32

                    ______________________________________________________________
  TOTAL                            $27,088        $2,403                   2.42
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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        180        $265,942        $6,572      2.47           39
  $  5001 -  10000     134        $998,535       $42,564      4.26          101
  $ 10001 -  15000      86      $1,055,097       $51,882      4.92          128
  $ 15001 -  20000      69      $1,220,200       $75,960      6.23          118
  $ 20001 -  25000      40        $893,077       $51,003      5.71          107
  $ 25001 -  30000      42      $1,136,325       $75,379      6.63          115
  $ 30001 -  35000      48      $1,546,861       $93,790      6.06          170
  $ 35001 -  40000      48      $1,794,940      $113,599      6.33          201
  $ 40001 -  45000      57      $2,421,007      $182,376      7.53          230
  $ 45001 -  50000      63      $2,986,347      $231,980      7.77          258
  $ 50001 -  75000     187     $11,190,071      $982,169      8.78          822
  $ 75001 - 100000      60      $5,063,622      $585,413     11.56          268
  OVER $100,000         43      $7,002,947    $1,318,934     18.83          188

                    ______________________________________________________________
  TOTAL               1057     $37,574,971    $3,811,621     10.14         2745
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       17.0             0.7           0.2                    1.4
  $  5001 -  10000    12.7             2.7           1.1                    3.7
  $ 10001 -  15000     8.1             2.8           1.4                    4.7
  $ 15001 -  20000     6.5             3.2           2.0                    4.3
  $ 20001 -  25000     3.8             2.4           1.3                    3.9
  $ 25001 -  30000     4.0             3.0           2.0                    4.2
  $ 30001 -  35000     4.5             4.1           2.5                    6.2
  $ 35001 -  40000     4.5             4.8           3.0                    7.3
  $ 40001 -  45000     5.4             6.4           4.8                    8.4
  $ 45001 -  50000     6.0             7.9           6.1                    9.4
  $ 50001 -  75000    17.7            29.8          25.8                   29.9
  $ 75001 - 100000     5.7            13.5          15.4                    9.8
  OVER $100,000        4.1            18.6          34.6                    6.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,477           $37                   0.22
  $  5001 -  10000                  $7,452          $318                   0.75
  $ 10001 -  15000                 $12,269          $603                   1.49
  $ 15001 -  20000                 $17,684        $1,101                   1.71
  $ 20001 -  25000                 $22,327        $1,275                   2.68
  $ 25001 -  30000                 $27,055        $1,795                   2.74
  $ 30001 -  35000                 $32,226        $1,954                   3.54
  $ 35001 -  40000                 $37,395        $2,367                   4.19
  $ 40001 -  45000                 $42,474        $3,200                   4.04
  $ 45001 -  50000                 $47,402        $3,682                   4.10
  $ 50001 -  75000                 $59,840        $5,252                   4.40
  $ 75001 - 100000                 $84,394        $9,757                   4.47
  OVER $100,000                   $162,859       $30,673                   4.37

                    ______________________________________________________________
  TOTAL                            $35,549        $3,606                   2.60
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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 $ 5,000        294        $653,471        $6,223      0.95          132
  $  5001 -  10000     234      $1,737,546       $49,289      2.84          254
  $ 10001 -  15000     197      $2,467,629       $99,020      4.01          360
  $ 15001 -  20000     177      $3,084,120      $154,325      5.00          415
  $ 20001 -  25000     180      $4,036,357      $225,497      5.59          527
  $ 25001 -  30000     161      $4,419,545      $286,411      6.48          530
  $ 30001 -  35000     150      $4,868,259      $356,965      7.33          501
  $ 35001 -  40000     114      $4,280,060      $329,241      7.69          414
  $ 40001 -  45000     118      $5,011,683      $389,220      7.77          472
  $ 45001 -  50000     110      $5,228,910      $450,200      8.61          417
  $ 50001 -  75000     258     $15,421,956    $1,484,864      9.63         1026
  $ 75001 - 100000      73      $6,187,939      $803,782     12.99          274
  OVER $100,000         31      $6,105,430    $1,033,752     16.93          132

                    ______________________________________________________________
  TOTAL               2097     $63,502,905    $5,668,789      8.93         5454
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       14.0             1.0           0.1                    2.4
  $  5001 -  10000    11.2             2.7           0.9                    4.7
  $ 10001 -  15000     9.4             3.9           1.7                    6.6
  $ 15001 -  20000     8.4             4.9           2.7                    7.6
  $ 20001 -  25000     8.6             6.4           4.0                    9.7
  $ 25001 -  30000     7.7             7.0           5.1                    9.7
  $ 30001 -  35000     7.2             7.7           6.3                    9.2
  $ 35001 -  40000     5.4             6.7           5.8                    7.6
  $ 40001 -  45000     5.6             7.9           6.9                    8.7
  $ 45001 -  50000     5.2             8.2           7.9                    7.6
  $ 50001 -  75000    12.3            24.3          26.2                   18.8
  $ 75001 - 100000     3.5             9.7          14.2                    5.0
  OVER $100,000        1.5             9.6          18.2                    2.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,223           $21                   0.45
  $  5001 -  10000                  $7,425          $211                   1.09
  $ 10001 -  15000                 $12,526          $503                   1.83
  $ 15001 -  20000                 $17,424          $872                   2.34
  $ 20001 -  25000                 $22,424        $1,253                   2.93
  $ 25001 -  30000                 $27,451        $1,779                   3.29
  $ 30001 -  35000                 $32,455        $2,380                   3.34
  $ 35001 -  40000                 $37,544        $2,888                   3.63
  $ 40001 -  45000                 $42,472        $3,298                   4.00
  $ 45001 -  50000                 $47,536        $4,093                   3.79
  $ 50001 -  75000                 $59,775        $5,755                   3.98
  $ 75001 - 100000                 $84,766       $11,011                   3.75
  OVER $100,000                   $196,949       $33,347                   4.26

                    ______________________________________________________________
  TOTAL                            $30,283        $2,703                   2.60
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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 $1              10       $-270,045            $0      0.00           20
  $     1  -  5000     127        $319,192        $1,168      0.37           75
  $  5001 -  10000     132        $975,890       $20,905      2.14          177
  $ 10001 -  15000     114      $1,434,081       $44,843      3.13          233
  $ 15001 -  20000     105      $1,804,576       $75,342      4.18          232
  $ 20001 -  25000     112      $2,505,281      $138,548      5.53          275
  $ 25001 -  30000     107      $2,936,540      $188,894      6.43          297
  $ 30001 -  35000     116      $3,771,584      $272,099      7.21          347
  $ 35001 -  40000      98      $3,654,792      $269,964      7.39          321
  $ 40001 -  45000      83      $3,494,180      $290,928      8.33          272
  $ 45001 -  50000      57      $2,703,838      $233,144      8.62          190
  $ 50001 -  75000     117      $6,969,446      $700,106     10.05          396
  $ 75001 - 100000      36      $3,022,291      $414,605     13.72          109
  OVER $100,000         24      $4,404,837      $831,079     18.87           72

                    ______________________________________________________________
  TOTAL               1238     $37,726,483    $3,481,625      9.23         3016
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.8            -0.7           0.0                    0.7
  $     1  -  5000    10.3             0.8           0.0                    2.5
  $  5001 -  10000    10.7             2.6           0.6                    5.9
  $ 10001 -  15000     9.2             3.8           1.3                    7.7
  $ 15001 -  20000     8.5             4.8           2.2                    7.7
  $ 20001 -  25000     9.0             6.6           4.0                    9.1
  $ 25001 -  30000     8.6             7.8           5.4                    9.8
  $ 30001 -  35000     9.4            10.0           7.8                   11.5
  $ 35001 -  40000     7.9             9.7           7.8                   10.6
  $ 40001 -  45000     6.7             9.3           8.4                    9.0
  $ 45001 -  50000     4.6             7.2           6.7                    6.3
  $ 50001 -  75000     9.5            18.5          20.1                   13.1
  $ 75001 - 100000     2.9             8.0          11.9                    3.6
  OVER $100,000        1.9            11.7          23.9                    2.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-27,005            $0                   2.00
  $     1  -  5000                  $2,513            $9                   0.59
  $  5001 -  10000                  $7,393          $158                   1.34
  $ 10001 -  15000                 $12,580          $393                   2.04
  $ 15001 -  20000                 $17,186          $718                   2.21
  $ 20001 -  25000                 $22,369        $1,237                   2.46
  $ 25001 -  30000                 $27,444        $1,765                   2.78
  $ 30001 -  35000                 $32,514        $2,346                   2.99
  $ 35001 -  40000                 $37,294        $2,755                   3.28
  $ 40001 -  45000                 $42,099        $3,505                   3.28
  $ 45001 -  50000                 $47,436        $4,090                   3.33
  $ 50001 -  75000                 $59,568        $5,984                   3.38
  $ 75001 - 100000                 $83,953       $11,517                   3.03
  OVER $100,000                   $183,535       $34,628                   3.00

                    ______________________________________________________________
  TOTAL                            $30,474        $2,812                   2.44
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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        162        $170,553        $2,997      1.76           84
  $  5001 -  10000     126        $948,251       $25,763      2.72          140
  $ 10001 -  15000     107      $1,333,936       $57,334      4.30          175
  $ 15001 -  20000     118      $2,056,860      $124,414      6.05          218
  $ 20001 -  25000      92      $2,063,851      $151,169      7.32          186
  $ 25001 -  30000      84      $2,303,717      $180,914      7.85          212
  $ 30001 -  35000      63      $2,042,479      $162,111      7.94          167
  $ 35001 -  40000      70      $2,628,557      $229,296      8.72          204
  $ 40001 -  45000      57      $2,419,585      $185,294      7.66          217
  $ 45001 -  50000      46      $2,197,692      $201,217      9.16          167
  $ 50001 -  75000     126      $7,402,207      $726,142      9.81          451
  $ 75001 - 100000      29      $2,427,905      $323,171     13.31           90
  OVER $100,000         36      $6,130,274    $1,070,700     17.47          134

                    ______________________________________________________________
  TOTAL               1116     $34,125,867    $3,440,522     10.08         2445
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       14.5             0.5           0.1                    3.4
  $  5001 -  10000    11.3             2.8           0.7                    5.7
  $ 10001 -  15000     9.6             3.9           1.7                    7.2
  $ 15001 -  20000    10.6             6.0           3.6                    8.9
  $ 20001 -  25000     8.2             6.0           4.4                    7.6
  $ 25001 -  30000     7.5             6.8           5.3                    8.7
  $ 30001 -  35000     5.6             6.0           4.7                    6.8
  $ 35001 -  40000     6.3             7.7           6.7                    8.3
  $ 40001 -  45000     5.1             7.1           5.4                    8.9
  $ 45001 -  50000     4.1             6.4           5.8                    6.8
  $ 50001 -  75000    11.3            21.7          21.1                   18.4
  $ 75001 - 100000     2.6             7.1           9.4                    3.7
  OVER $100,000        3.2            18.0          31.1                    5.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,053           $19                   0.52
  $  5001 -  10000                  $7,526          $204                   1.11
  $ 10001 -  15000                 $12,467          $536                   1.64
  $ 15001 -  20000                 $17,431        $1,054                   1.85
  $ 20001 -  25000                 $22,433        $1,643                   2.02
  $ 25001 -  30000                 $27,425        $2,154                   2.52
  $ 30001 -  35000                 $32,420        $2,573                   2.65
  $ 35001 -  40000                 $37,551        $3,276                   2.91
  $ 40001 -  45000                 $42,449        $3,251                   3.81
  $ 45001 -  50000                 $47,776        $4,374                   3.63
  $ 50001 -  75000                 $58,748        $5,763                   3.58
  $ 75001 - 100000                 $83,721       $11,144                   3.10
  OVER $100,000                   $170,285       $29,742                   3.72

                    ______________________________________________________________
  TOTAL                            $30,579        $3,083                   2.19
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              31       $-798,645        $6,315     -0.79           60
  $     1  -  5000     277        $726,962        $3,875      0.53          175
  $  5001 -  10000     218      $1,625,520       $41,674      2.56          258
  $ 10001 -  15000     186      $2,319,120       $81,841      3.53          342
  $ 15001 -  20000     176      $3,091,666      $151,895      4.91          381
  $ 20001 -  25000     108      $2,451,053      $145,490      5.94          275
  $ 25001 -  30000      98      $2,712,247      $193,653      7.14          263
  $ 30001 -  35000      86      $2,787,740      $214,482      7.69          234
  $ 35001 -  40000      90      $3,347,759      $265,286      7.92          267
  $ 40001 -  45000      59      $2,511,604      $219,644      8.75          194
  $ 45001 -  50000      54      $2,582,984      $213,783      8.28          210
  $ 50001 -  75000     158      $9,579,105      $976,661     10.20          567
  $ 75001 - 100000      39      $3,273,990      $420,509     12.84          142
  OVER $100,000         29      $5,279,881    $1,157,614     21.93          100

                    ______________________________________________________________
  TOTAL               1609     $41,490,986    $4,092,722      9.86         3468
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.9            -1.9           0.2                    1.7
  $     1  -  5000    17.2             1.8           0.1                    5.0
  $  5001 -  10000    13.5             3.9           1.0                    7.4
  $ 10001 -  15000    11.6             5.6           2.0                    9.9
  $ 15001 -  20000    10.9             7.5           3.7                   11.0
  $ 20001 -  25000     6.7             5.9           3.6                    7.9
  $ 25001 -  30000     6.1             6.5           4.7                    7.6
  $ 30001 -  35000     5.3             6.7           5.2                    6.7
  $ 35001 -  40000     5.6             8.1           6.5                    7.7
  $ 40001 -  45000     3.7             6.1           5.4                    5.6
  $ 45001 -  50000     3.4             6.2           5.2                    6.1
  $ 50001 -  75000     9.8            23.1          23.9                   16.3
  $ 75001 - 100000     2.4             7.9          10.3                    4.1
  OVER $100,000        1.8            12.7          28.3                    2.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-25,763          $204                   1.94
  $     1  -  5000                  $2,624           $14                   0.63
  $  5001 -  10000                  $7,457          $191                   1.18
  $ 10001 -  15000                 $12,468          $440                   1.84
  $ 15001 -  20000                 $17,566          $863                   2.16
  $ 20001 -  25000                 $22,695        $1,347                   2.55
  $ 25001 -  30000                 $27,676        $1,976                   2.68
  $ 30001 -  35000                 $32,416        $2,494                   2.72
  $ 35001 -  40000                 $37,197        $2,948                   2.97
  $ 40001 -  45000                 $42,570        $3,723                   3.29
  $ 45001 -  50000                 $47,833        $3,959                   3.89
  $ 50001 -  75000                 $60,627        $6,181                   3.59
  $ 75001 - 100000                 $83,948       $10,782                   3.64
  OVER $100,000                   $182,065       $39,918                   3.45

                    ______________________________________________________________
  TOTAL                            $25,787        $2,544                   2.16
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              31       $-695,765      $335,288     -48.2           64
  $     1  -  5000    1306      $3,316,903       $38,072      1.15          283
  $  5001 -  10000     752      $5,487,243      $208,599      3.80          531
  $ 10001 -  15000     541      $6,740,994      $381,985      5.67          659
  $ 15001 -  20000     457      $8,016,692      $467,559      5.83          849
  $ 20001 -  25000     424      $9,529,365      $659,739      6.92          884
  $ 25001 -  30000     350      $9,589,618      $705,555      7.36          847
  $ 30001 -  35000     369     $12,002,069      $891,832      7.43         1052
  $ 35001 -  40000     366     $13,762,040    $1,086,823      7.90         1137
  $ 40001 -  45000     351     $14,883,620    $1,181,700      7.94         1207
  $ 45001 -  50000     378     $17,967,392    $1,493,901      8.31         1401
  $ 50001 -  75000    1477     $90,611,963    $7,988,210      8.82         6105
  $ 75001 - 100000     628     $53,782,362    $6,268,378     11.66         2495
  $100001 - 250000     414     $56,375,519    $9,100,821     16.14         1791
  OVER $250,000         53     $27,326,789    $7,259,619     26.57          206

                    ______________________________________________________________
  TOTAL               7897    $328,696,804   $38,068,081     11.58        19511
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.2           0.9                    0.3
  $     1  -  5000    16.5             1.0           0.1                    1.5
  $  5001 -  10000     9.5             1.7           0.5                    2.7
  $ 10001 -  15000     6.9             2.1           1.0                    3.4
  $ 15001 -  20000     5.8             2.4           1.2                    4.4
  $ 20001 -  25000     5.4             2.9           1.7                    4.5
  $ 25001 -  30000     4.4             2.9           1.9                    4.3
  $ 30001 -  35000     4.7             3.7           2.3                    5.4
  $ 35001 -  40000     4.6             4.2           2.9                    5.8
  $ 40001 -  45000     4.4             4.5           3.1                    6.2
  $ 45001 -  50000     4.8             5.5           3.9                    7.2
  $ 50001 -  75000    18.7            27.6          21.0                   31.3
  $ 75001 - 100000     8.0            16.4          16.5                   12.8
  $100001 - 250000     5.2            17.2          23.9                    9.2
  OVER $250,000        0.7             8.3          19.1                    1.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-22,444       $10,816                   2.06
  $     1  -  5000                  $2,540           $29                   0.22
  $  5001 -  10000                  $7,297          $277                   0.71
  $ 10001 -  15000                 $12,460          $706                   1.22
  $ 15001 -  20000                 $17,542        $1,023                   1.86
  $ 20001 -  25000                 $22,475        $1,556                   2.08
  $ 25001 -  30000                 $27,399        $2,016                   2.42
  $ 30001 -  35000                 $32,526        $2,417                   2.85
  $ 35001 -  40000                 $37,601        $2,969                   3.11
  $ 40001 -  45000                 $42,403        $3,367                   3.44
  $ 45001 -  50000                 $47,533        $3,952                   3.71
  $ 50001 -  75000                 $61,349        $5,408                   4.13
  $ 75001 - 100000                 $85,641        $9,981                   3.97
  $100001 - 250000                $136,173       $21,983                   4.33
  OVER $250,000                   $515,600      $136,974                   3.89

                    ______________________________________________________________
  TOTAL                            $41,623        $4,821                   2.47
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              20       $-284,481        $3,596     -1.26           45
  $     1  -  5000    1276      $3,321,718       $10,609      0.32          796
  $  5001 -  10000    1301      $9,730,152      $237,138      2.44         1648
  $ 10001 -  15000    1337     $16,736,028      $694,256      4.15         2364
  $ 15001 -  20000    1407     $24,564,197    $1,375,417      5.60         2902
  $ 20001 -  25000    1147     $25,638,117    $1,736,979      6.77         2574
  $ 25001 -  30000     934     $25,626,744    $1,797,856      7.02         2561
  $ 30001 -  35000     838     $27,151,435    $2,044,380      7.53         2471
  $ 35001 -  40000     791     $29,598,299    $2,340,171      7.91         2634
  $ 40001 -  45000     736     $31,242,913    $2,666,223      8.53         2507
  $ 45001 -  50000     587     $27,821,844    $2,412,399      8.67         2114
  $ 50001 -  75000    1328     $78,234,227    $7,760,621      9.92         4816
  $ 75001 - 100000     179     $14,821,964    $1,915,338     12.92          692
  OVER $100,000         45      $6,974,811    $1,372,672     19.68          145

                    ______________________________________________________________
  TOTAL              11926    $321,177,968   $26,367,655      8.21        28269
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.2            -0.1           0.0                    0.2
  $     1  -  5000    10.7             1.0           0.0                    2.8
  $  5001 -  10000    10.9             3.0           0.9                    5.8
  $ 10001 -  15000    11.2             5.2           2.6                    8.4
  $ 15001 -  20000    11.8             7.6           5.2                   10.3
  $ 20001 -  25000     9.6             8.0           6.6                    9.1
  $ 25001 -  30000     7.8             8.0           6.8                    9.1
  $ 30001 -  35000     7.0             8.5           7.8                    8.7
  $ 35001 -  40000     6.6             9.2           8.9                    9.3
  $ 40001 -  45000     6.2             9.7          10.1                    8.9
  $ 45001 -  50000     4.9             8.7           9.1                    7.5
  $ 50001 -  75000    11.1            24.4          29.4                   17.0
  $ 75001 - 100000     1.5             4.6           7.3                    2.4
  OVER $100,000        0.4             2.2           5.2                    0.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-14,224          $180                   2.25
  $     1  -  5000                  $2,603            $8                   0.62
  $  5001 -  10000                  $7,479          $182                   1.27
  $ 10001 -  15000                 $12,518          $519                   1.77
  $ 15001 -  20000                 $17,459          $978                   2.06
  $ 20001 -  25000                 $22,352        $1,514                   2.24
  $ 25001 -  30000                 $27,438        $1,925                   2.74
  $ 30001 -  35000                 $32,400        $2,440                   2.95
  $ 35001 -  40000                 $37,419        $2,958                   3.33
  $ 40001 -  45000                 $42,450        $3,623                   3.41
  $ 45001 -  50000                 $47,397        $4,110                   3.60
  $ 50001 -  75000                 $58,911        $5,844                   3.63
  $ 75001 - 100000                 $82,804       $10,700                   3.87
  OVER $100,000                   $154,996       $30,504                   3.22

                    ______________________________________________________________
  TOTAL                            $26,931        $2,211                   2.37
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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        169        $300,147        $2,441      0.81          149
  $  5001 -  10000     151      $1,152,062       $26,613      2.31          227
  $ 10001 -  15000     123      $1,547,021       $48,573      3.14          237
  $ 15001 -  20000     116      $2,013,530       $87,471      4.34          285
  $ 20001 -  25000     101      $2,274,645      $109,926      4.83          310
  $ 25001 -  30000      92      $2,530,767      $157,117      6.21          294
  $ 30001 -  35000      71      $2,289,570      $138,951      6.07          267
  $ 35001 -  40000      61      $2,290,852      $177,362      7.74          218
  $ 40001 -  45000      52      $2,190,108      $165,183      7.54          188
  $ 45001 -  50000      34      $1,603,778      $137,874      8.60          121
  $ 50001 -  75000      73      $4,313,626      $398,561      9.24          278
  OVER $ 75,000         27      $2,980,471      $427,159     14.33           90

                    ______________________________________________________________
  TOTAL               1070     $25,486,577    $1,877,231      7.37         2664
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       15.8             1.2           0.1                    5.6
  $  5001 -  10000    14.1             4.5           1.4                    8.5
  $ 10001 -  15000    11.5             6.1           2.6                    8.9
  $ 15001 -  20000    10.8             7.9           4.7                   10.7
  $ 20001 -  25000     9.4             8.9           5.9                   11.6
  $ 25001 -  30000     8.6             9.9           8.4                   11.0
  $ 30001 -  35000     6.6             9.0           7.4                   10.0
  $ 35001 -  40000     5.7             9.0           9.4                    8.2
  $ 40001 -  45000     4.9             8.6           8.8                    7.1
  $ 45001 -  50000     3.2             6.3           7.3                    4.5
  $ 50001 -  75000     6.8            16.9          21.2                   10.4
  OVER $ 75,000        2.5            11.7          22.8                    3.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,776           $14                   0.88
  $  5001 -  10000                  $7,630          $176                   1.50
  $ 10001 -  15000                 $12,577          $395                   1.93
  $ 15001 -  20000                 $17,358          $754                   2.46
  $ 20001 -  25000                 $22,521        $1,088                   3.07
  $ 25001 -  30000                 $27,508        $1,708                   3.20
  $ 30001 -  35000                 $32,247        $1,957                   3.76
  $ 35001 -  40000                 $37,555        $2,908                   3.57
  $ 40001 -  45000                 $42,117        $3,177                   3.62
  $ 45001 -  50000                 $47,170        $4,055                   3.56
  $ 50001 -  75000                 $59,091        $5,460                   3.81
  OVER $ 75,000                   $110,388       $15,821                   3.33

                    ______________________________________________________________
  TOTAL                            $23,819        $1,754                   2.49
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              61     $-1,904,980        $7,802     -0.41          148
  $     1  -  5000    2870      $7,461,048       $61,315      0.82         1151
  $  5001 -  10000    2099     $15,647,288      $530,389      3.39         1961
  $ 10001 -  15000    1876     $23,464,318    $1,493,049      6.36         2687
  $ 15001 -  20000    1803     $31,364,638    $1,964,292      6.26         3216
  $ 20001 -  25000    1509     $33,836,863    $2,418,663      7.15         3127
  $ 25001 -  30000    1359     $37,374,821    $2,898,123      7.75         3176
  $ 30001 -  35000    1257     $40,701,196    $3,273,284      8.04         3271
  $ 35001 -  40000    1191     $44,752,002    $3,759,269      8.40         3528
  $ 40001 -  45000    1119     $47,567,516    $4,178,764      8.78         3439
  $ 45001 -  50000    1076     $51,003,939    $4,574,369      8.97         3632
  $ 50001 -  75000    3630    $220,842,813   $21,723,162      9.84        13042
  $ 75001 - 100000    1405    $119,428,009   $14,922,253     12.49         5204
  $100001 - 250000     767    $101,483,598   $16,841,743     16.60         2979
  OVER $250,000         85     $55,729,613   $13,322,940     23.91          339

                    ______________________________________________________________
  TOTAL              22107    $828,752,682   $91,969,417     11.10        50900
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.3            -0.2           0.0                    0.3
  $     1  -  5000    13.0             0.9           0.1                    2.3
  $  5001 -  10000     9.5             1.9           0.6                    3.9
  $ 10001 -  15000     8.5             2.8           1.6                    5.3
  $ 15001 -  20000     8.2             3.8           2.1                    6.3
  $ 20001 -  25000     6.8             4.1           2.6                    6.1
  $ 25001 -  30000     6.1             4.5           3.2                    6.2
  $ 30001 -  35000     5.7             4.9           3.6                    6.4
  $ 35001 -  40000     5.4             5.4           4.1                    6.9
  $ 40001 -  45000     5.1             5.7           4.5                    6.8
  $ 45001 -  50000     4.9             6.2           5.0                    7.1
  $ 50001 -  75000    16.4            26.6          23.6                   25.6
  $ 75001 - 100000     6.4            14.4          16.2                   10.2
  $100001 - 250000     3.5            12.2          18.3                    5.9
  OVER $250,000        0.4             6.7          14.5                    0.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-31,229          $128                   2.43
  $     1  -  5000                  $2,600           $21                   0.40
  $  5001 -  10000                  $7,455          $253                   0.93
  $ 10001 -  15000                 $12,508          $796                   1.43
  $ 15001 -  20000                 $17,396        $1,089                   1.78
  $ 20001 -  25000                 $22,423        $1,603                   2.07
  $ 25001 -  30000                 $27,502        $2,133                   2.34
  $ 30001 -  35000                 $32,380        $2,604                   2.60
  $ 35001 -  40000                 $37,575        $3,156                   2.96
  $ 40001 -  45000                 $42,509        $3,734                   3.07
  $ 45001 -  50000                 $47,401        $4,251                   3.38
  $ 50001 -  75000                 $60,838        $5,984                   3.59
  $ 75001 - 100000                 $85,002       $10,621                   3.70
  $100001 - 250000                $132,312       $21,958                   3.88
  OVER $250,000                   $655,643      $156,740                   3.99

                    ______________________________________________________________
  TOTAL                            $37,488        $4,160                   2.30
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              30       $-411,550        $8,564     -2.08           66
  $     1  -  5000     763      $2,016,960       $13,697      0.68          328
  $  5001 -  10000     546      $4,046,511      $130,878      3.23          521
  $ 10001 -  15000     499      $6,129,363      $281,231      4.59          773
  $ 15001 -  20000     426      $7,441,804      $417,138      5.61          885
  $ 20001 -  25000     360      $8,118,866      $509,914      6.28          851
  $ 25001 -  30000     393     $10,801,012      $723,325      6.70         1077
  $ 30001 -  35000     335     $10,930,814      $755,005      6.91         1116
  $ 35001 -  40000     378     $14,198,718    $1,043,264      7.35         1333
  $ 40001 -  45000     360     $15,281,346    $1,136,836      7.44         1323
  $ 45001 -  50000     297     $14,095,708    $1,145,170      8.12         1129
  $ 50001 -  75000    1047     $63,067,433    $5,638,309      8.94         4157
  $ 75001 - 100000     295     $24,780,961    $2,897,777     11.69         1178
  $100001 - 250000     117     $15,368,167    $2,518,331     16.39          503
  OVER $250,000         20     $10,718,178    $3,235,616     30.19           67

                    ______________________________________________________________
  TOTAL               5866    $206,584,291   $20,455,055      9.90        15307
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.2           0.0                    0.4
  $     1  -  5000    13.0             1.0           0.1                    2.1
  $  5001 -  10000     9.3             2.0           0.6                    3.4
  $ 10001 -  15000     8.5             3.0           1.4                    5.0
  $ 15001 -  20000     7.3             3.6           2.0                    5.8
  $ 20001 -  25000     6.1             3.9           2.5                    5.6
  $ 25001 -  30000     6.7             5.2           3.5                    7.0
  $ 30001 -  35000     5.7             5.3           3.7                    7.3
  $ 35001 -  40000     6.4             6.9           5.1                    8.7
  $ 40001 -  45000     6.1             7.4           5.6                    8.6
  $ 45001 -  50000     5.1             6.8           5.6                    7.4
  $ 50001 -  75000    17.8            30.5          27.6                   27.2
  $ 75001 - 100000     5.0            12.0          14.2                    7.7
  $100001 - 250000     2.0             7.4          12.3                    3.3
  OVER $250,000        0.3             5.2          15.8                    0.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-13,718          $285                   2.20
  $     1  -  5000                  $2,643           $18                   0.43
  $  5001 -  10000                  $7,411          $240                   0.95
  $ 10001 -  15000                 $12,283          $564                   1.55
  $ 15001 -  20000                 $17,469          $979                   2.08
  $ 20001 -  25000                 $22,552        $1,416                   2.36
  $ 25001 -  30000                 $27,483        $1,841                   2.74
  $ 30001 -  35000                 $32,629        $2,254                   3.33
  $ 35001 -  40000                 $37,563        $2,760                   3.53
  $ 40001 -  45000                 $42,448        $3,158                   3.68
  $ 45001 -  50000                 $47,460        $3,856                   3.80
  $ 50001 -  75000                 $60,236        $5,385                   3.97
  $ 75001 - 100000                 $84,003        $9,823                   3.99
  $100001 - 250000                $131,352       $21,524                   4.30
  OVER $250,000                   $535,909      $161,781                   3.35

                    ______________________________________________________________
  TOTAL                            $35,217        $3,487                   2.61
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              16       $-838,881            $0      0.00           37
  $     1  -  5000     467      $1,168,810       $15,282      1.31          110
  $  5001 -  10000     249      $1,785,411       $63,111      3.53          205
  $ 10001 -  15000     187      $2,312,120      $124,546      5.39          268
  $ 15001 -  20000     140      $2,426,545      $146,979      6.06          260
  $ 20001 -  25000     102      $2,261,409      $122,275      5.41          276
  $ 25001 -  30000      93      $2,518,464      $160,931      6.39          255
  $ 30001 -  35000     101      $3,262,224      $220,417      6.76          325
  $ 35001 -  40000     106      $3,977,691      $283,175      7.12          375
  $ 40001 -  45000     106      $4,496,031      $317,058      7.05          397
  $ 45001 -  50000     106      $5,032,629      $332,934      6.62          437
  $ 50001 -  75000     383     $23,536,859    $1,972,724      8.38         1669
  $ 75001 - 100000     202     $17,295,455    $1,829,948     10.58          934
  $100001 - 250000     174     $24,863,382    $3,979,476     16.01          796
  OVER $250,000         28     $10,240,661    $2,652,620     25.90          142

                    ______________________________________________________________
  TOTAL               2460    $104,338,810   $12,221,476     11.71         6486
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.8           0.0                    0.6
  $     1  -  5000    19.0             1.1           0.1                    1.7
  $  5001 -  10000    10.1             1.7           0.5                    3.2
  $ 10001 -  15000     7.6             2.2           1.0                    4.1
  $ 15001 -  20000     5.7             2.3           1.2                    4.0
  $ 20001 -  25000     4.1             2.2           1.0                    4.3
  $ 25001 -  30000     3.8             2.4           1.3                    3.9
  $ 30001 -  35000     4.1             3.1           1.8                    5.0
  $ 35001 -  40000     4.3             3.8           2.3                    5.8
  $ 40001 -  45000     4.3             4.3           2.6                    6.1
  $ 45001 -  50000     4.3             4.8           2.7                    6.7
  $ 50001 -  75000    15.6            22.6          16.1                   25.7
  $ 75001 - 100000     8.2            16.6          15.0                   14.4
  $100001 - 250000     7.1            23.8          32.6                   12.3
  OVER $250,000        1.1             9.8          21.7                    2.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-52,430            $0                   2.31
  $     1  -  5000                  $2,503           $33                   0.24
  $  5001 -  10000                  $7,170          $253                   0.82
  $ 10001 -  15000                 $12,364          $666                   1.43
  $ 15001 -  20000                 $17,332        $1,050                   1.86
  $ 20001 -  25000                 $22,171        $1,199                   2.71
  $ 25001 -  30000                 $27,080        $1,730                   2.74
  $ 30001 -  35000                 $32,299        $2,182                   3.22
  $ 35001 -  40000                 $37,525        $2,671                   3.54
  $ 40001 -  45000                 $42,415        $2,991                   3.75
  $ 45001 -  50000                 $47,478        $3,141                   4.12
  $ 50001 -  75000                 $61,454        $5,151                   4.36
  $ 75001 - 100000                 $85,621        $9,059                   4.62
  $100001 - 250000                $142,893       $22,871                   4.57
  OVER $250,000                   $365,738       $94,736                   5.07

                    ______________________________________________________________
  TOTAL                            $42,414        $4,968                   2.64
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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             108       $-971,225        $1,067     -0.11          164
  $     1  -  5000    2410      $6,781,467       $65,967      0.97         1414
  $  5001 -  10000    2515     $18,675,993      $500,401      2.68         2621
  $ 10001 -  15000    2122     $26,526,905    $1,174,231      4.43         3436
  $ 15001 -  20000    1870     $32,751,641    $1,806,316      5.52         3793
  $ 20001 -  25000    1447     $32,397,034    $2,203,712      6.80         3244
  $ 25001 -  30000    1105     $30,267,647    $2,275,311      7.52         2762
  $ 30001 -  35000     866     $28,059,200    $2,319,598      8.27         2306
  $ 35001 -  40000     709     $26,530,136    $2,339,880      8.82         2011
  $ 40001 -  45000     596     $25,295,605    $2,297,783      9.08         1903
  $ 45001 -  50000     504     $23,963,732    $2,253,900      9.41         1646
  $ 50001 -  75000    1342     $81,289,539    $8,585,974     10.56         4594
  $ 75001 - 100000     506     $43,301,029    $5,681,169     13.12         1731
  $100001 - 250000     460     $64,080,729   $11,182,302     17.45         1585
  OVER $250,000         65     $39,059,120    $9,667,043     24.75          226

                    ______________________________________________________________
  TOTAL              16625    $478,008,552   $52,354,654     10.95        33436
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.2           0.0                    0.5
  $     1  -  5000    14.5             1.4           0.1                    4.2
  $  5001 -  10000    15.1             3.9           1.0                    7.8
  $ 10001 -  15000    12.8             5.5           2.2                   10.3
  $ 15001 -  20000    11.2             6.9           3.5                   11.3
  $ 20001 -  25000     8.7             6.8           4.2                    9.7
  $ 25001 -  30000     6.6             6.3           4.3                    8.3
  $ 30001 -  35000     5.2             5.9           4.4                    6.9
  $ 35001 -  40000     4.3             5.6           4.5                    6.0
  $ 40001 -  45000     3.6             5.3           4.4                    5.7
  $ 45001 -  50000     3.0             5.0           4.3                    4.9
  $ 50001 -  75000     8.1            17.0          16.4                   13.7
  $ 75001 - 100000     3.0             9.1          10.9                    5.2
  $100001 - 250000     2.8            13.4          21.4                    4.7
  OVER $250,000        0.4             8.2          18.5                    0.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-8,993           $10                   1.52
  $     1  -  5000                  $2,814           $27                   0.59
  $  5001 -  10000                  $7,426          $199                   1.04
  $ 10001 -  15000                 $12,501          $553                   1.62
  $ 15001 -  20000                 $17,514          $966                   2.03
  $ 20001 -  25000                 $22,389        $1,523                   2.24
  $ 25001 -  30000                 $27,392        $2,059                   2.50
  $ 30001 -  35000                 $32,401        $2,679                   2.66
  $ 35001 -  40000                 $37,419        $3,300                   2.84
  $ 40001 -  45000                 $42,442        $3,855                   3.19
  $ 45001 -  50000                 $47,547        $4,472                   3.27
  $ 50001 -  75000                 $60,573        $6,398                   3.42
  $ 75001 - 100000                 $85,575       $11,228                   3.42
  $100001 - 250000                $139,306       $24,309                   3.45
  OVER $250,000                   $600,910      $148,724                   3.48

                    ______________________________________________________________
  TOTAL                            $28,752        $3,149                   2.01
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              19       $-395,600          $517     -0.13           30
  $     1  -  5000     961      $2,609,085        $7,755      0.30          541
  $  5001 -  10000     809      $5,937,118      $139,851      2.36         1017
  $ 10001 -  15000     799     $10,050,497      $425,433      4.23         1402
  $ 15001 -  20000     854     $14,849,478      $867,021      5.84         1715
  $ 20001 -  25000     774     $17,385,881    $1,146,111      6.59         1822
  $ 25001 -  30000     660     $18,140,520    $1,334,770      7.36         1755
  $ 30001 -  35000     589     $19,159,026    $1,487,749      7.77         1688
  $ 35001 -  40000     643     $24,011,583    $1,940,556      8.08         2092
  $ 40001 -  45000     524     $22,257,569    $1,912,378      8.59         1753
  $ 45001 -  50000     412     $19,563,900    $1,732,033      8.85         1411
  $ 50001 -  75000     977     $58,083,759    $5,973,851     10.28         3443
  $ 75001 - 100000     155     $12,972,521    $1,742,351     13.43          551
  $100001 - 250000      40      $4,977,407      $865,291     17.38          126

                    ______________________________________________________________
  TOTAL               8216    $229,602,744   $19,575,667      8.53        19346
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.2            -0.2           0.0                    0.2
  $     1  -  5000    11.7             1.1           0.0                    2.8
  $  5001 -  10000     9.8             2.6           0.7                    5.3
  $ 10001 -  15000     9.7             4.4           2.2                    7.2
  $ 15001 -  20000    10.4             6.5           4.4                    8.9
  $ 20001 -  25000     9.4             7.6           5.9                    9.4
  $ 25001 -  30000     8.0             7.9           6.8                    9.1
  $ 30001 -  35000     7.2             8.3           7.6                    8.7
  $ 35001 -  40000     7.8            10.5           9.9                   10.8
  $ 40001 -  45000     6.4             9.7           9.8                    9.1
  $ 45001 -  50000     5.0             8.5           8.8                    7.3
  $ 50001 -  75000    11.9            25.3          30.5                   17.8
  $ 75001 - 100000     1.9             5.6           8.9                    2.8
  $100001 - 250000     0.5             2.2           4.4                    0.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-20,821           $27                   1.58
  $     1  -  5000                  $2,715            $8                   0.56
  $  5001 -  10000                  $7,339          $173                   1.26
  $ 10001 -  15000                 $12,579          $532                   1.75
  $ 15001 -  20000                 $17,388        $1,015                   2.01
  $ 20001 -  25000                 $22,462        $1,481                   2.35
  $ 25001 -  30000                 $27,486        $2,022                   2.66
  $ 30001 -  35000                 $32,528        $2,526                   2.87
  $ 35001 -  40000                 $37,343        $3,018                   3.25
  $ 40001 -  45000                 $42,476        $3,650                   3.35
  $ 45001 -  50000                 $47,485        $4,204                   3.42
  $ 50001 -  75000                 $59,451        $6,114                   3.52
  $ 75001 - 100000                 $83,694       $11,241                   3.55
  $100001 - 250000                $124,435       $21,632                   3.15

                    ______________________________________________________________
  TOTAL                            $27,946        $2,383                   2.35
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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 $ 5,000        181        $242,430        $1,291      0.53          135
  $  5001 -  10000     145      $1,067,172       $18,188      1.70          269
  $ 10001 -  15000      89      $1,103,938       $32,579      2.95          185
  $ 15001 -  20000      86      $1,471,861       $55,561      3.77          220
  $ 20001 -  25000      65      $1,455,392       $71,698      4.93          199
  $ 25001 -  30000      81      $2,229,768      $135,005      6.05          268
  $ 30001 -  35000      64      $2,070,534      $129,791      6.27          237
  $ 35001 -  40000      42      $1,585,435      $116,224      7.33          162
  $ 40001 -  45000      48      $2,019,443      $148,170      7.34          190
  $ 45001 -  50000      30      $1,410,796      $118,589      8.41          120
  $ 50001 -  75000      87      $5,101,791      $478,866      9.39          350
  $ 75001 - 100000      21      $1,724,949      $214,512     12.44           88
  OVER $100,000         18      $3,795,732      $699,174     18.42           78

                    ______________________________________________________________
  TOTAL                957     $25,279,241    $2,219,648      8.78         2501
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       18.9             1.0           0.1                    5.4
  $  5001 -  10000    15.2             4.2           0.8                   10.8
  $ 10001 -  15000     9.3             4.4           1.5                    7.4
  $ 15001 -  20000     9.0             5.8           2.5                    8.8
  $ 20001 -  25000     6.8             5.8           3.2                    8.0
  $ 25001 -  30000     8.5             8.8           6.1                   10.7
  $ 30001 -  35000     6.7             8.2           5.8                    9.5
  $ 35001 -  40000     4.4             6.3           5.2                    6.5
  $ 40001 -  45000     5.0             8.0           6.7                    7.6
  $ 45001 -  50000     3.1             5.6           5.3                    4.8
  $ 50001 -  75000     9.1            20.2          21.6                   14.0
  $ 75001 - 100000     2.2             6.8           9.7                    3.5
  OVER $100,000        1.9            15.0          31.5                    3.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,339            $7                   0.75
  $  5001 -  10000                  $7,360          $125                   1.86
  $ 10001 -  15000                 $12,404          $366                   2.08
  $ 15001 -  20000                 $17,115          $646                   2.56
  $ 20001 -  25000                 $22,391        $1,103                   3.06
  $ 25001 -  30000                 $27,528        $1,667                   3.31
  $ 30001 -  35000                 $32,352        $2,028                   3.70
  $ 35001 -  40000                 $37,748        $2,767                   3.86
  $ 40001 -  45000                 $42,072        $3,087                   3.96
  $ 45001 -  50000                 $47,027        $3,953                   4.00
  $ 50001 -  75000                 $58,641        $5,504                   4.02
  $ 75001 - 100000                 $82,140       $10,215                   4.19
  OVER $100,000                   $210,874       $38,843                   4.33

                    ______________________________________________________________
  TOTAL                            $26,415        $2,319                   2.61
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      MAPLETON UT
                        _________________________________________________
  UNDER $1              11       $-277,069            $0      0.00           28
  $     1  -  5000     320        $799,869       $13,696      1.71           84
  $  5001 -  10000     222      $1,580,556       $56,820      3.59          184
  $ 10001 -  15000     148      $1,818,897       $85,967      4.73          217
  $ 15001 -  20000     126      $2,184,402      $140,172      6.42          239
  $ 20001 -  25000     102      $2,283,418      $161,223      7.06          211
  $ 25001 -  30000      83      $2,269,786      $156,824      6.91          222
  $ 30001 -  35000      80      $2,594,118      $201,637      7.77          230
  $ 35001 -  40000      74      $2,791,229      $208,087      7.46          245
  $ 40001 -  45000      90      $3,834,667      $294,440      7.68          334
  $ 45001 -  50000      72      $3,415,175      $265,313      7.77          292
  $ 50001 -  75000     308     $18,863,189    $1,570,177      8.32         1357
  $ 75001 - 100000     108      $9,173,098    $1,023,688     11.16          462
  $100001 - 250000     109     $15,332,362    $2,507,311     16.35          491
  OVER $250,000         15      $9,108,264    $2,524,115     27.71           53

                    ______________________________________________________________
  TOTAL               1868     $75,771,961    $9,209,470     12.15         4649
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.4           0.0                    0.6
  $     1  -  5000    17.1             1.1           0.1                    1.8
  $  5001 -  10000    11.9             2.1           0.6                    4.0
  $ 10001 -  15000     7.9             2.4           0.9                    4.7
  $ 15001 -  20000     6.7             2.9           1.5                    5.1
  $ 20001 -  25000     5.5             3.0           1.8                    4.5
  $ 25001 -  30000     4.4             3.0           1.7                    4.8
  $ 30001 -  35000     4.3             3.4           2.2                    4.9
  $ 35001 -  40000     4.0             3.7           2.3                    5.3
  $ 40001 -  45000     4.8             5.1           3.2                    7.2
  $ 45001 -  50000     3.9             4.5           2.9                    6.3
  $ 50001 -  75000    16.5            24.9          17.0                   29.2
  $ 75001 - 100000     5.8            12.1          11.1                    9.9
  $100001 - 250000     5.8            20.2          27.2                   10.6
  OVER $250,000        0.8            12.0          27.4                    1.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-25,188            $0                   2.55
  $     1  -  5000                  $2,500           $43                   0.26
  $  5001 -  10000                  $7,120          $256                   0.83
  $ 10001 -  15000                 $12,290          $581                   1.47
  $ 15001 -  20000                 $17,337        $1,112                   1.90
  $ 20001 -  25000                 $22,386        $1,581                   2.07
  $ 25001 -  30000                 $27,347        $1,889                   2.67
  $ 30001 -  35000                 $32,426        $2,520                   2.88
  $ 35001 -  40000                 $37,719        $2,812                   3.31
  $ 40001 -  45000                 $42,607        $3,272                   3.71
  $ 45001 -  50000                 $47,433        $3,685                   4.06
  $ 50001 -  75000                 $61,244        $5,098                   4.41
  $ 75001 - 100000                 $84,936        $9,479                   4.28
  $100001 - 250000                $140,664       $23,003                   4.50
  OVER $250,000                   $607,218      $168,274                   3.53

                    ______________________________________________________________
  TOTAL                            $40,563        $4,930                   2.49
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      MIDVALE UT
                        _________________________________________________
  UNDER $1              41       $-342,969        $2,516     -0.73           54
  $     1  -  5000    1111      $3,124,477       $14,163      0.45          789
  $  5001 -  10000    1231      $9,330,546      $208,238      2.23         1619
  $ 10001 -  15000    1366     $17,038,410      $719,400      4.22         2271
  $ 15001 -  20000    1270     $22,229,913    $1,397,466      6.29         2268
  $ 20001 -  25000    1151     $25,802,881    $2,014,999      7.81         2087
  $ 25001 -  30000     984     $27,031,345    $2,321,254      8.59         1940
  $ 30001 -  35000     823     $26,693,706    $2,484,461      9.31         1718
  $ 35001 -  40000     719     $26,950,340    $2,656,480      9.86         1616
  $ 40001 -  45000     563     $23,869,438    $2,484,213     10.41         1306
  $ 45001 -  50000     468     $22,162,813    $2,427,680     10.95         1137
  $ 50001 -  75000    1295     $77,920,765    $9,033,736     11.59         3553
  $ 75001 - 100000     395     $33,330,722    $4,702,031     14.11         1140
  $100001 - 250000     201     $26,761,554    $4,858,648     18.16          506
  OVER $250,000         28     $12,071,000    $3,309,600     27.42           82

                    ______________________________________________________________
  TOTAL              11646    $353,974,941   $38,634,885     10.91        22086
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.1           0.0                    0.2
  $     1  -  5000     9.5             0.9           0.0                    3.6
  $  5001 -  10000    10.6             2.6           0.5                    7.3
  $ 10001 -  15000    11.7             4.8           1.9                   10.3
  $ 15001 -  20000    10.9             6.3           3.6                   10.3
  $ 20001 -  25000     9.9             7.3           5.2                    9.4
  $ 25001 -  30000     8.4             7.6           6.0                    8.8
  $ 30001 -  35000     7.1             7.5           6.4                    7.8
  $ 35001 -  40000     6.2             7.6           6.9                    7.3
  $ 40001 -  45000     4.8             6.7           6.4                    5.9
  $ 45001 -  50000     4.0             6.3           6.3                    5.1
  $ 50001 -  75000    11.1            22.0          23.4                   16.1
  $ 75001 - 100000     3.4             9.4          12.2                    5.2
  $100001 - 250000     1.7             7.6          12.6                    2.3
  OVER $250,000        0.2             3.4           8.6                    0.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-8,365           $61                   1.32
  $     1  -  5000                  $2,812           $13                   0.71
  $  5001 -  10000                  $7,580          $169                   1.32
  $ 10001 -  15000                 $12,473          $527                   1.66
  $ 15001 -  20000                 $17,504        $1,100                   1.79
  $ 20001 -  25000                 $22,418        $1,751                   1.81
  $ 25001 -  30000                 $27,471        $2,359                   1.97
  $ 30001 -  35000                 $32,435        $3,019                   2.09
  $ 35001 -  40000                 $37,483        $3,695                   2.25
  $ 40001 -  45000                 $42,397        $4,412                   2.32
  $ 45001 -  50000                 $47,356        $5,187                   2.43
  $ 50001 -  75000                 $60,170        $6,976                   2.74
  $ 75001 - 100000                 $84,382       $11,904                   2.89
  $100001 - 250000                $133,142       $24,172                   2.52
  OVER $250,000                   $431,107      $118,200                   2.93

                    ______________________________________________________________
  TOTAL                            $30,395        $3,317                   1.90
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      MIDWAY UT
                        _________________________________________________
  UNDER $1              16       $-743,705            $0      0.00           36
  $     1  -  5000     152        $401,295        $4,252      1.06           49
  $  5001 -  10000     122        $911,289       $36,711      4.03          100
  $ 10001 -  15000      92      $1,151,301       $50,784      4.41          160
  $ 15001 -  20000      90      $1,582,210       $97,819      6.18          158
  $ 20001 -  25000      60      $1,349,537       $88,185      6.53          123
  $ 25001 -  30000      60      $1,643,494      $117,382      7.14          148
  $ 30001 -  35000      47      $1,518,706      $107,311      7.07          141
  $ 35001 -  40000      52      $1,938,753      $146,854      7.57          155
  $ 40001 -  45000      42      $1,762,185      $146,570      8.32          134
  $ 45001 -  50000      39      $1,851,021      $134,199      7.25          146
  $ 50001 -  75000     135      $8,199,046      $812,229      9.91          488
  $ 75001 - 100000      67      $5,747,617      $712,610     12.40          238
  $100001 - 250000      52      $7,805,180    $1,374,206     17.61          194
  OVER $250,000         10      $6,933,083    $1,838,429     26.52           33

                    ______________________________________________________________
  TOTAL               1036     $42,051,012    $5,667,541     13.48         2303
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.5            -1.8           0.0                    1.6
  $     1  -  5000    14.7             1.0           0.1                    2.1
  $  5001 -  10000    11.8             2.2           0.6                    4.3
  $ 10001 -  15000     8.9             2.7           0.9                    6.9
  $ 15001 -  20000     8.7             3.8           1.7                    6.9
  $ 20001 -  25000     5.8             3.2           1.6                    5.3
  $ 25001 -  30000     5.8             3.9           2.1                    6.4
  $ 30001 -  35000     4.5             3.6           1.9                    6.1
  $ 35001 -  40000     5.0             4.6           2.6                    6.7
  $ 40001 -  45000     4.1             4.2           2.6                    5.8
  $ 45001 -  50000     3.8             4.4           2.4                    6.3
  $ 50001 -  75000    13.0            19.5          14.3                   21.2
  $ 75001 - 100000     6.5            13.7          12.6                   10.3
  $100001 - 250000     5.0            18.6          24.2                    8.4
  OVER $250,000        1.0            16.5          32.4                    1.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-46,482            $0                   2.25
  $     1  -  5000                  $2,640           $28                   0.32
  $  5001 -  10000                  $7,470          $301                   0.82
  $ 10001 -  15000                 $12,514          $552                   1.74
  $ 15001 -  20000                 $17,580        $1,087                   1.76
  $ 20001 -  25000                 $22,492        $1,470                   2.05
  $ 25001 -  30000                 $27,392        $1,956                   2.47
  $ 30001 -  35000                 $32,313        $2,283                   3.00
  $ 35001 -  40000                 $37,284        $2,824                   2.98
  $ 40001 -  45000                 $41,957        $3,490                   3.19
  $ 45001 -  50000                 $47,462        $3,441                   3.74
  $ 50001 -  75000                 $60,734        $6,017                   3.61
  $ 75001 - 100000                 $85,785       $10,636                   3.55
  $100001 - 250000                $150,100       $26,427                   3.73
  OVER $250,000                   $693,308      $183,843                   3.30

                    ______________________________________________________________
  TOTAL                            $40,590        $5,471                   2.22
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              37       $-757,925          $262     -0.03           68
  $     1  -  5000     486      $1,344,201        $7,130      0.53          376
  $  5001 -  10000     510      $3,805,695       $76,773      2.02          679
  $ 10001 -  15000     444      $5,488,573      $229,726      4.19          753
  $ 15001 -  20000     381      $6,654,764      $427,432      6.42          673
  $ 20001 -  25000     236      $5,288,154      $375,138      7.09          488
  $ 25001 -  30000     199      $5,451,181      $435,431      7.99          466
  $ 30001 -  35000     167      $5,421,863      $478,138      8.82          411
  $ 35001 -  40000     133      $4,969,231      $456,734      9.19          357
  $ 40001 -  45000     116      $4,915,121      $499,502     10.16          309
  $ 45001 -  50000     110      $5,259,509      $521,640      9.92          331
  $ 50001 -  75000     265     $16,000,090    $1,859,073     11.62          786
  $ 75001 - 100000      63      $5,356,878      $776,202     14.49          183
  OVER $100,000         67     $14,416,614    $3,488,930     24.20          197

                    ______________________________________________________________
  TOTAL               3214     $83,613,949    $9,632,111     11.52         6077
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.2            -0.9           0.0                    1.1
  $     1  -  5000    15.1             1.6           0.1                    6.2
  $  5001 -  10000    15.9             4.6           0.8                   11.2
  $ 10001 -  15000    13.8             6.6           2.4                   12.4
  $ 15001 -  20000    11.9             8.0           4.4                   11.1
  $ 20001 -  25000     7.3             6.3           3.9                    8.0
  $ 25001 -  30000     6.2             6.5           4.5                    7.7
  $ 30001 -  35000     5.2             6.5           5.0                    6.8
  $ 35001 -  40000     4.1             5.9           4.7                    5.9
  $ 40001 -  45000     3.6             5.9           5.2                    5.1
  $ 45001 -  50000     3.4             6.3           5.4                    5.4
  $ 50001 -  75000     8.2            19.1          19.3                   12.9
  $ 75001 - 100000     2.0             6.4           8.1                    3.0
  OVER $100,000        2.1            17.2          36.2                    3.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-20,484            $7                   1.84
  $     1  -  5000                  $2,766           $15                   0.77
  $  5001 -  10000                  $7,462          $151                   1.33
  $ 10001 -  15000                 $12,362          $517                   1.70
  $ 15001 -  20000                 $17,467        $1,122                   1.77
  $ 20001 -  25000                 $22,407        $1,590                   2.07
  $ 25001 -  30000                 $27,393        $2,188                   2.34
  $ 30001 -  35000                 $32,466        $2,863                   2.46
  $ 35001 -  40000                 $37,363        $3,434                   2.68
  $ 40001 -  45000                 $42,372        $4,306                   2.66
  $ 45001 -  50000                 $47,814        $4,742                   3.01
  $ 50001 -  75000                 $60,378        $7,015                   2.97
  $ 75001 - 100000                 $85,030       $12,321                   2.90
  OVER $100,000                   $215,173       $52,074                   2.94

                    ______________________________________________________________
  TOTAL                            $26,016        $2,997                   1.89
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              12     $-1,030,354           $74     -0.01           25
  $     1  -  5000     128        $335,944        $2,708      0.81           78
  $  5001 -  10000     113        $839,629       $15,247      1.82          174
  $ 10001 -  15000     103      $1,302,357       $43,185      3.32          204
  $ 15001 -  20000      84      $1,476,714       $56,607      3.83          213
  $ 20001 -  25000      83      $1,865,672      $101,662      5.45          230
  $ 25001 -  30000      57      $1,554,398       $91,162      5.86          189
  $ 30001 -  35000      47      $1,537,208      $117,740      7.66          133
  $ 35001 -  40000      52      $1,945,257      $151,791      7.80          184
  $ 40001 -  45000      36      $1,524,646      $135,051      8.86          108
  $ 45001 -  50000      36      $1,707,723      $148,183      8.68          136
  $ 50001 -  75000     104      $6,271,465      $616,160      9.82          399
  $ 75001 - 100000      14      $1,151,247      $156,946     13.63           41
  $100001 - 250000      12      $1,700,813      $309,915     18.22           42

                    ______________________________________________________________
  TOTAL                881     $22,182,719    $1,946,431      8.77         2156
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.4            -4.6           0.0                    1.2
  $     1  -  5000    14.5             1.5           0.1                    3.6
  $  5001 -  10000    12.8             3.8           0.8                    8.1
  $ 10001 -  15000    11.7             5.9           2.2                    9.5
  $ 15001 -  20000     9.5             6.7           2.9                    9.9
  $ 20001 -  25000     9.4             8.4           5.2                   10.7
  $ 25001 -  30000     6.5             7.0           4.7                    8.8
  $ 30001 -  35000     5.3             6.9           6.0                    6.2
  $ 35001 -  40000     5.9             8.8           7.8                    8.5
  $ 40001 -  45000     4.1             6.9           6.9                    5.0
  $ 45001 -  50000     4.1             7.7           7.6                    6.3
  $ 50001 -  75000    11.8            28.3          31.7                   18.5
  $ 75001 - 100000     1.6             5.2           8.1                    1.9
  $100001 - 250000     1.4             7.7          15.9                    1.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-85,863            $6                   2.08
  $     1  -  5000                  $2,625           $21                   0.61
  $  5001 -  10000                  $7,430          $135                   1.54
  $ 10001 -  15000                 $12,644          $419                   1.98
  $ 15001 -  20000                 $17,580          $674                   2.54
  $ 20001 -  25000                 $22,478        $1,225                   2.77
  $ 25001 -  30000                 $27,270        $1,599                   3.32
  $ 30001 -  35000                 $32,707        $2,505                   2.83
  $ 35001 -  40000                 $37,409        $2,919                   3.54
  $ 40001 -  45000                 $42,351        $3,751                   3.00
  $ 45001 -  50000                 $47,437        $4,116                   3.78
  $ 50001 -  75000                 $60,303        $5,925                   3.84
  $ 75001 - 100000                 $82,232       $11,210                   2.93
  $100001 - 250000                $141,734       $25,826                   3.50

                    ______________________________________________________________
  TOTAL                            $25,179        $2,209                   2.45
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      MONTICELLO UT
                        _________________________________________________
  UNDER $1              19       $-367,109            $0      0.00           36
  $     1  -  5000     162        $410,655        $2,335      0.57           92
  $  5001 -  10000      87        $621,441       $12,479      2.01          125
  $ 10001 -  15000      97      $1,201,168       $32,745      2.73          206
  $ 15001 -  20000      77      $1,334,661       $55,427      4.15          185
  $ 20001 -  25000      59      $1,311,404       $71,377      5.44          166
  $ 25001 -  30000      57      $1,575,893       $95,773      6.08          192
  $ 30001 -  35000      36      $1,168,246       $81,457      6.97          121
  $ 35001 -  40000      48      $1,801,803      $143,559      7.97          161
  $ 40001 -  45000      47      $2,001,851      $176,439      8.81          168
  $ 45001 -  50000      32      $1,523,173      $138,242      9.08          114
  $ 50001 -  75000     100      $6,118,451      $651,974     10.66          378
  $ 75001 - 100000      31      $2,596,314      $356,202     13.72          112
  OVER $100,000         19      $3,050,478      $581,019     19.05           61

                    ______________________________________________________________
  TOTAL                871     $24,348,429    $2,399,028      9.85         2117
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             2.2            -1.5           0.0                    1.7
  $     1  -  5000    18.6             1.7           0.1                    4.3
  $  5001 -  10000    10.0             2.6           0.5                    5.9
  $ 10001 -  15000    11.1             4.9           1.4                    9.7
  $ 15001 -  20000     8.8             5.5           2.3                    8.7
  $ 20001 -  25000     6.8             5.4           3.0                    7.8
  $ 25001 -  30000     6.5             6.5           4.0                    9.1
  $ 30001 -  35000     4.1             4.8           3.4                    5.7
  $ 35001 -  40000     5.5             7.4           6.0                    7.6
  $ 40001 -  45000     5.4             8.2           7.4                    7.9
  $ 45001 -  50000     3.7             6.3           5.8                    5.4
  $ 50001 -  75000    11.5            25.1          27.2                   17.9
  $ 75001 - 100000     3.6            10.7          14.8                    5.3
  OVER $100,000        2.2            12.5          24.2                    2.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-19,322            $0                   1.89
  $     1  -  5000                  $2,535           $14                   0.57
  $  5001 -  10000                  $7,143          $143                   1.44
  $ 10001 -  15000                 $12,383          $338                   2.12
  $ 15001 -  20000                 $17,333          $720                   2.40
  $ 20001 -  25000                 $22,227        $1,210                   2.81
  $ 25001 -  30000                 $27,647        $1,680                   3.37
  $ 30001 -  35000                 $32,451        $2,263                   3.36
  $ 35001 -  40000                 $37,538        $2,991                   3.35
  $ 40001 -  45000                 $42,593        $3,754                   3.57
  $ 45001 -  50000                 $47,599        $4,320                   3.56
  $ 50001 -  75000                 $61,185        $6,520                   3.78
  $ 75001 - 100000                 $83,752       $11,490                   3.61
  OVER $100,000                   $160,551       $30,580                   3.21

                    ______________________________________________________________
  TOTAL                            $27,955        $2,754                   2.43
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              21       $-574,554        $4,688     -0.82           57
  $     1  -  5000     349        $827,543        $7,222      0.87           77
  $  5001 -  10000     207      $1,496,638       $51,685      3.45          166
  $ 10001 -  15000     175      $2,195,938      $101,894      4.64          266
  $ 15001 -  20000     159      $2,776,722      $178,713      6.44          263
  $ 20001 -  25000     138      $3,078,174      $199,051      6.47          315
  $ 25001 -  30000     134      $3,666,818      $303,868      8.29          288
  $ 30001 -  35000     132      $4,291,688      $361,540      8.42          346
  $ 35001 -  40000     132      $4,922,135      $382,101      7.76          440
  $ 40001 -  45000     120      $5,088,283      $435,290      8.55          381
  $ 45001 -  50000     104      $4,937,757      $441,901      8.95          391
  $ 50001 -  75000     381     $22,890,636    $2,201,552      9.62         1479
  $ 75001 - 100000     142     $12,008,453    $1,484,598     12.36          571
  $100001 - 250000      64      $9,030,184    $1,578,445     17.48          254
  OVER $250,000         11      $3,773,377      $939,572     24.90           47

                    ______________________________________________________________
  TOTAL               2269     $80,409,792    $8,672,120     10.78         5341
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.9            -0.7           0.1                    1.1
  $     1  -  5000    15.4             1.0           0.1                    1.4
  $  5001 -  10000     9.1             1.9           0.6                    3.1
  $ 10001 -  15000     7.7             2.7           1.2                    5.0
  $ 15001 -  20000     7.0             3.5           2.1                    4.9
  $ 20001 -  25000     6.1             3.8           2.3                    5.9
  $ 25001 -  30000     5.9             4.6           3.5                    5.4
  $ 30001 -  35000     5.8             5.3           4.2                    6.5
  $ 35001 -  40000     5.8             6.1           4.4                    8.2
  $ 40001 -  45000     5.3             6.3           5.0                    7.1
  $ 45001 -  50000     4.6             6.1           5.1                    7.3
  $ 50001 -  75000    16.8            28.5          25.4                   27.7
  $ 75001 - 100000     6.3            14.9          17.1                   10.7
  $100001 - 250000     2.8            11.2          18.2                    4.8
  OVER $250,000        0.5             4.7          10.8                    0.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-27,360          $223                   2.71
  $     1  -  5000                  $2,371           $21                   0.22
  $  5001 -  10000                  $7,230          $250                   0.80
  $ 10001 -  15000                 $12,548          $582                   1.52
  $ 15001 -  20000                 $17,464        $1,124                   1.65
  $ 20001 -  25000                 $22,306        $1,442                   2.28
  $ 25001 -  30000                 $27,364        $2,268                   2.15
  $ 30001 -  35000                 $32,513        $2,739                   2.62
  $ 35001 -  40000                 $37,289        $2,895                   3.33
  $ 40001 -  45000                 $42,402        $3,627                   3.18
  $ 45001 -  50000                 $47,478        $4,249                   3.76
  $ 50001 -  75000                 $60,080        $5,778                   3.88
  $ 75001 - 100000                 $84,567       $10,455                   4.02
  $100001 - 250000                $141,097       $24,663                   3.97
  OVER $250,000                   $343,034       $85,416                   4.27

                    ______________________________________________________________
  TOTAL                            $35,438        $3,822                   2.35
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              11       $-285,443           $24     -0.01           21
  $     1  -  5000     189        $495,290        $7,294      1.47          121
  $  5001 -  10000     143      $1,043,798       $21,957      2.10          218
  $ 10001 -  15000     137      $1,685,147       $44,398      2.63          319
  $ 15001 -  20000     110      $1,910,910       $84,550      4.42          291
  $ 20001 -  25000      84      $1,878,937      $103,578      5.51          245
  $ 25001 -  30000      58      $1,587,288       $97,522      6.14          180
  $ 30001 -  35000      77      $2,494,944      $168,804      6.77          276
  $ 35001 -  40000      42      $1,596,477      $127,809      8.01          137
  $ 40001 -  45000      43      $1,822,329      $151,159      8.29          162
  $ 45001 -  50000      43      $2,046,109      $169,325      8.28          181
  $ 50001 -  75000     102      $6,071,629      $618,335     10.18          411
  $ 75001 - 100000      27      $2,243,669      $291,308     12.98          102
  OVER $100,000         14      $2,991,011      $609,279     20.37           51

                    ______________________________________________________________
  TOTAL               1080     $27,582,095    $2,495,342      9.05         2715
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.0            -1.0           0.0                    0.8
  $     1  -  5000    17.5             1.8           0.3                    4.5
  $  5001 -  10000    13.2             3.8           0.9                    8.0
  $ 10001 -  15000    12.7             6.1           1.8                   11.7
  $ 15001 -  20000    10.2             6.9           3.4                   10.7
  $ 20001 -  25000     7.8             6.8           4.2                    9.0
  $ 25001 -  30000     5.4             5.8           3.9                    6.6
  $ 30001 -  35000     7.1             9.0           6.8                   10.2
  $ 35001 -  40000     3.9             5.8           5.1                    5.0
  $ 40001 -  45000     4.0             6.6           6.1                    6.0
  $ 45001 -  50000     4.0             7.4           6.8                    6.7
  $ 50001 -  75000     9.4            22.0          24.8                   15.1
  $ 75001 - 100000     2.5             8.1          11.7                    3.8
  OVER $100,000        1.3            10.8          24.4                    1.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-25,949            $2                   1.91
  $     1  -  5000                  $2,621           $39                   0.64
  $  5001 -  10000                  $7,299          $154                   1.52
  $ 10001 -  15000                 $12,300          $324                   2.33
  $ 15001 -  20000                 $17,372          $769                   2.65
  $ 20001 -  25000                 $22,368        $1,233                   2.92
  $ 25001 -  30000                 $27,367        $1,681                   3.10
  $ 30001 -  35000                 $32,402        $2,192                   3.58
  $ 35001 -  40000                 $38,011        $3,043                   3.26
  $ 40001 -  45000                 $42,380        $3,515                   3.77
  $ 45001 -  50000                 $47,584        $3,938                   4.21
  $ 50001 -  75000                 $59,526        $6,062                   4.03
  $ 75001 - 100000                 $83,099       $10,789                   3.78
  OVER $100,000                   $213,644       $43,520                   3.64

                    ______________________________________________________________
  TOTAL                            $25,539        $2,311                   2.51
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              74       $-732,798          $342     -0.05          114
  $     1  -  5000    1949      $5,046,051       $52,976      1.05          936
  $  5001 -  10000    1889     $14,097,706      $398,546      2.83         2045
  $ 10001 -  15000    1896     $23,715,682    $1,171,524      4.94         2674
  $ 15001 -  20000    1908     $33,415,143    $2,184,924      6.54         3128
  $ 20001 -  25000    1636     $36,729,436    $2,836,005      7.72         2965
  $ 25001 -  30000    1309     $35,857,726    $3,061,097      8.54         2545
  $ 30001 -  35000    1145     $37,152,267    $3,363,612      9.05         2468
  $ 35001 -  40000    1004     $37,556,697    $3,617,549      9.63         2292
  $ 40001 -  45000     822     $34,894,038    $3,440,116      9.86         2144
  $ 45001 -  50000     659     $31,248,585    $3,207,383     10.26         1767
  $ 50001 -  75000    2104    $128,360,237   $13,980,711     10.89         6621
  $ 75001 - 100000     793     $67,607,631    $9,009,259     13.33         2725
  $100001 - 250000     526     $71,187,727   $12,334,290     17.33         1849
  OVER $250,000         75     $35,082,363    $9,612,543     27.40          282

                    ______________________________________________________________
  TOTAL              17789    $591,218,491   $68,270,877     11.55        34555
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.1           0.0                    0.3
  $     1  -  5000    11.0             0.9           0.1                    2.7
  $  5001 -  10000    10.6             2.4           0.6                    5.9
  $ 10001 -  15000    10.7             4.0           1.7                    7.7
  $ 15001 -  20000    10.7             5.7           3.2                    9.1
  $ 20001 -  25000     9.2             6.2           4.2                    8.6
  $ 25001 -  30000     7.4             6.1           4.5                    7.4
  $ 30001 -  35000     6.4             6.3           4.9                    7.1
  $ 35001 -  40000     5.6             6.4           5.3                    6.6
  $ 40001 -  45000     4.6             5.9           5.0                    6.2
  $ 45001 -  50000     3.7             5.3           4.7                    5.1
  $ 50001 -  75000    11.8            21.7          20.5                   19.2
  $ 75001 - 100000     4.5            11.4          13.2                    7.9
  $100001 - 250000     3.0            12.0          18.1                    5.4
  OVER $250,000        0.4             5.9          14.1                    0.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-9,903            $5                   1.54
  $     1  -  5000                  $2,589           $27                   0.48
  $  5001 -  10000                  $7,463          $211                   1.08
  $ 10001 -  15000                 $12,508          $618                   1.41
  $ 15001 -  20000                 $17,513        $1,145                   1.64
  $ 20001 -  25000                 $22,451        $1,733                   1.81
  $ 25001 -  30000                 $27,393        $2,339                   1.94
  $ 30001 -  35000                 $32,447        $2,938                   2.16
  $ 35001 -  40000                 $37,407        $3,603                   2.28
  $ 40001 -  45000                 $42,450        $4,185                   2.61
  $ 45001 -  50000                 $47,418        $4,867                   2.68
  $ 50001 -  75000                 $61,008        $6,645                   3.15
  $ 75001 - 100000                 $85,256       $11,361                   3.44
  $100001 - 250000                $135,338       $23,449                   3.52
  OVER $250,000                   $467,765      $128,167                   3.76

                    ______________________________________________________________
  TOTAL                            $33,235        $3,838                   1.94
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      NEPHI UT
                        _________________________________________________
  UNDER $1              14       $-345,792          $126     -0.04           28
  $     1  -  5000     316        $863,405        $6,132      0.71          156
  $  5001 -  10000     205      $1,502,800       $50,115      3.33          199
  $ 10001 -  15000     162      $1,983,396       $64,507      3.25          294
  $ 15001 -  20000     139      $2,436,317      $119,040      4.89          301
  $ 20001 -  25000     131      $2,947,655      $175,324      5.95          345
  $ 25001 -  30000     133      $3,669,429      $234,326      6.39          409
  $ 30001 -  35000     107      $3,501,041      $256,869      7.34          345
  $ 35001 -  40000      98      $3,655,505      $270,430      7.40          376
  $ 40001 -  45000     111      $4,705,764      $387,163      8.23          402
  $ 45001 -  50000      92      $4,364,546      $390,026      8.94          352
  $ 50001 -  75000     215     $12,579,878    $1,182,428      9.40          831
  $ 75001 - 100000      39      $3,320,154      $420,453     12.66          157
  OVER $100,000         23      $3,657,576      $663,538     18.14          104

                    ______________________________________________________________
  TOTAL               1785     $48,841,674    $4,220,477      8.64         4299
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.8            -0.7           0.0                    0.7
  $     1  -  5000    17.7             1.8           0.1                    3.6
  $  5001 -  10000    11.5             3.1           1.2                    4.6
  $ 10001 -  15000     9.1             4.1           1.5                    6.8
  $ 15001 -  20000     7.8             5.0           2.8                    7.0
  $ 20001 -  25000     7.3             6.0           4.2                    8.0
  $ 25001 -  30000     7.5             7.5           5.6                    9.5
  $ 30001 -  35000     6.0             7.2           6.1                    8.0
  $ 35001 -  40000     5.5             7.5           6.4                    8.7
  $ 40001 -  45000     6.2             9.6           9.2                    9.4
  $ 45001 -  50000     5.2             8.9           9.2                    8.2
  $ 50001 -  75000    12.0            25.8          28.0                   19.3
  $ 75001 - 100000     2.2             6.8          10.0                    3.7
  OVER $100,000        1.3             7.5          15.7                    2.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-24,699            $9                   2.00
  $     1  -  5000                  $2,732           $19                   0.49
  $  5001 -  10000                  $7,331          $244                   0.97
  $ 10001 -  15000                 $12,243          $398                   1.81
  $ 15001 -  20000                 $17,527          $856                   2.17
  $ 20001 -  25000                 $22,501        $1,338                   2.63
  $ 25001 -  30000                 $27,590        $1,762                   3.08
  $ 30001 -  35000                 $32,720        $2,401                   3.22
  $ 35001 -  40000                 $37,301        $2,759                   3.84
  $ 40001 -  45000                 $42,394        $3,488                   3.62
  $ 45001 -  50000                 $47,441        $4,239                   3.83
  $ 50001 -  75000                 $58,511        $5,500                   3.87
  $ 75001 - 100000                 $85,132       $10,781                   4.03
  OVER $100,000                   $159,025       $28,849                   4.52

                    ______________________________________________________________
  TOTAL                            $27,362        $2,364                   2.41
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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        281        $366,872        $6,278      1.71          116
  $  5001 -  10000     162      $1,170,754       $44,221      3.78          123
  $ 10001 -  15000     129      $1,616,848       $76,993      4.76          207
  $ 15001 -  20000     111      $1,946,816      $108,459      5.57          218
  $ 20001 -  25000      89      $1,998,110      $131,725      6.59          213
  $ 25001 -  30000      80      $2,197,646      $142,038      6.46          232
  $ 30001 -  35000      69      $2,229,758      $146,863      6.59          230
  $ 35001 -  40000      72      $2,693,577      $184,480      6.85          285
  $ 40001 -  45000      77      $3,280,664      $250,436      7.63          303
  $ 45001 -  50000      58      $2,740,345      $228,084      8.32          225
  $ 50001 -  75000     216     $13,084,365    $1,196,516      9.14          907
  $ 75001 - 100000      97      $8,325,858    $1,024,033     12.30          392
  OVER $100,000         82     $14,176,734    $2,720,764     19.19          337

                    ______________________________________________________________
  TOTAL               1523     $55,828,347    $6,260,890     11.21         3788
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       18.5             0.7           0.1                    3.1
  $  5001 -  10000    10.6             2.1           0.7                    3.2
  $ 10001 -  15000     8.5             2.9           1.2                    5.5
  $ 15001 -  20000     7.3             3.5           1.7                    5.8
  $ 20001 -  25000     5.8             3.6           2.1                    5.6
  $ 25001 -  30000     5.3             3.9           2.3                    6.1
  $ 30001 -  35000     4.5             4.0           2.3                    6.1
  $ 35001 -  40000     4.7             4.8           2.9                    7.5
  $ 40001 -  45000     5.1             5.9           4.0                    8.0
  $ 45001 -  50000     3.8             4.9           3.6                    5.9
  $ 50001 -  75000    14.2            23.4          19.1                   23.9
  $ 75001 - 100000     6.4            14.9          16.4                   10.3
  OVER $100,000        5.4            25.4          43.5                    8.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,306           $22                   0.41
  $  5001 -  10000                  $7,227          $273                   0.76
  $ 10001 -  15000                 $12,534          $597                   1.60
  $ 15001 -  20000                 $17,539          $977                   1.96
  $ 20001 -  25000                 $22,451        $1,480                   2.39
  $ 25001 -  30000                 $27,471        $1,775                   2.90
  $ 30001 -  35000                 $32,315        $2,128                   3.33
  $ 35001 -  40000                 $37,411        $2,562                   3.96
  $ 40001 -  45000                 $42,606        $3,252                   3.94
  $ 45001 -  50000                 $47,247        $3,932                   3.88
  $ 50001 -  75000                 $60,576        $5,539                   4.20
  $ 75001 - 100000                 $85,834       $10,557                   4.04
  OVER $100,000                   $172,887       $33,180                   4.11

                    ______________________________________________________________
  TOTAL                            $36,657        $4,111                   2.49
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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       $-185,040            $0      0.00           28
  $     1  -  5000     657      $1,632,686       $17,116      1.05          118
  $  5001 -  10000     414      $3,024,932      $123,945      4.10          307
  $ 10001 -  15000     296      $3,672,382      $210,932      5.74          338
  $ 15001 -  20000     225      $3,909,647      $266,274      6.81          333
  $ 20001 -  25000     190      $4,247,755      $316,720      7.46          377
  $ 25001 -  30000     183      $5,023,291      $369,762      7.36          434
  $ 30001 -  35000     154      $4,970,522      $388,147      7.81          405
  $ 35001 -  40000     158      $5,960,391      $465,258      7.81          506
  $ 40001 -  45000     178      $7,594,189      $648,088      8.53          590
  $ 45001 -  50000     161      $7,638,402      $656,786      8.60          565
  $ 50001 -  75000     749     $45,908,662    $4,383,530      9.55         2931
  $ 75001 - 100000     316     $26,866,119    $3,385,550     12.60         1169
  $100001 - 250000     180     $23,937,409    $4,055,256     16.94          660
  OVER $250,000         17      $6,957,735    $1,988,546     28.58           67

                    ______________________________________________________________
  TOTAL               3893    $151,159,082   $17,275,910     11.43         8828
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.1           0.0                    0.3
  $     1  -  5000    16.9             1.1           0.1                    1.3
  $  5001 -  10000    10.6             2.0           0.7                    3.5
  $ 10001 -  15000     7.6             2.4           1.2                    3.8
  $ 15001 -  20000     5.8             2.6           1.5                    3.8
  $ 20001 -  25000     4.9             2.8           1.8                    4.3
  $ 25001 -  30000     4.7             3.3           2.1                    4.9
  $ 30001 -  35000     4.0             3.3           2.2                    4.6
  $ 35001 -  40000     4.1             3.9           2.7                    5.7
  $ 40001 -  45000     4.6             5.0           3.8                    6.7
  $ 45001 -  50000     4.1             5.1           3.8                    6.4
  $ 50001 -  75000    19.2            30.4          25.4                   33.2
  $ 75001 - 100000     8.1            17.8          19.6                   13.2
  $100001 - 250000     4.6            15.8          23.5                    7.5
  OVER $250,000        0.4             4.6          11.5                    0.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-12,336            $0                   1.87
  $     1  -  5000                  $2,485           $26                   0.18
  $  5001 -  10000                  $7,307          $299                   0.74
  $ 10001 -  15000                 $12,407          $713                   1.14
  $ 15001 -  20000                 $17,376        $1,183                   1.48
  $ 20001 -  25000                 $22,357        $1,667                   1.98
  $ 25001 -  30000                 $27,450        $2,021                   2.37
  $ 30001 -  35000                 $32,276        $2,520                   2.63
  $ 35001 -  40000                 $37,724        $2,945                   3.20
  $ 40001 -  45000                 $42,664        $3,641                   3.31
  $ 45001 -  50000                 $47,443        $4,079                   3.51
  $ 50001 -  75000                 $61,293        $5,853                   3.91
  $ 75001 - 100000                 $85,019       $10,714                   3.70
  $100001 - 250000                $132,986       $22,529                   3.67
  OVER $250,000                   $409,279      $116,973                   3.94

                    ______________________________________________________________
  TOTAL                            $38,828        $4,438                   2.27
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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       $-301,309       $15,623     -5.19           16
  $     1  -  5000     439      $1,105,063       $16,108      1.46          161
  $  5001 -  10000     328      $2,435,560       $81,391      3.34          292
  $ 10001 -  15000     331      $4,154,929      $213,759      5.14          485
  $ 15001 -  20000     302      $5,265,337      $330,506      6.28          521
  $ 20001 -  25000     241      $5,418,827      $408,510      7.54          473
  $ 25001 -  30000     198      $5,434,280      $437,401      8.05          437
  $ 30001 -  35000     203      $6,577,123      $586,828      8.92          474
  $ 35001 -  40000     160      $5,999,104      $554,388      9.24          407
  $ 40001 -  45000     154      $6,554,528      $638,715      9.74          426
  $ 45001 -  50000     115      $5,434,227      $491,450      9.04          391
  $ 50001 -  75000     465     $28,463,068    $2,902,954     10.20         1585
  $ 75001 - 100000     207     $17,674,414    $2,187,759     12.38          732
  $100001 - 250000     183     $25,460,652    $4,193,353     16.47          648
  OVER $250,000         31     $21,251,337    $5,008,718     23.57          108

                    ______________________________________________________________
  TOTAL               3369    $140,927,140   $18,067,463     12.82         7156
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.2           0.1                    0.2
  $     1  -  5000    13.0             0.8           0.1                    2.2
  $  5001 -  10000     9.7             1.7           0.5                    4.1
  $ 10001 -  15000     9.8             2.9           1.2                    6.8
  $ 15001 -  20000     9.0             3.7           1.8                    7.3
  $ 20001 -  25000     7.2             3.8           2.3                    6.6
  $ 25001 -  30000     5.9             3.9           2.4                    6.1
  $ 30001 -  35000     6.0             4.7           3.2                    6.6
  $ 35001 -  40000     4.7             4.3           3.1                    5.7
  $ 40001 -  45000     4.6             4.7           3.5                    6.0
  $ 45001 -  50000     3.4             3.9           2.7                    5.5
  $ 50001 -  75000    13.8            20.2          16.1                   22.1
  $ 75001 - 100000     6.1            12.5          12.1                   10.2
  $100001 - 250000     5.4            18.1          23.2                    9.1
  OVER $250,000        0.9            15.1          27.7                    1.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-25,109        $1,302                   1.33
  $     1  -  5000                  $2,517           $37                   0.37
  $  5001 -  10000                  $7,425          $248                   0.89
  $ 10001 -  15000                 $12,553          $646                   1.47
  $ 15001 -  20000                 $17,435        $1,094                   1.73
  $ 20001 -  25000                 $22,485        $1,695                   1.96
  $ 25001 -  30000                 $27,446        $2,209                   2.21
  $ 30001 -  35000                 $32,400        $2,891                   2.33
  $ 35001 -  40000                 $37,494        $3,465                   2.54
  $ 40001 -  45000                 $42,562        $4,148                   2.77
  $ 45001 -  50000                 $47,254        $4,273                   3.40
  $ 50001 -  75000                 $61,211        $6,243                   3.41
  $ 75001 - 100000                 $85,384       $10,569                   3.54
  $100001 - 250000                $139,129       $22,914                   3.54
  OVER $250,000                   $685,527      $161,572                   3.48

                    ______________________________________________________________
  TOTAL                            $41,831        $5,363                   2.12
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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             183     $-2,334,718       $17,075     -0.73          291
  $     1  -  5000    5842     $15,287,420      $160,387      1.05         4110
  $  5001 -  10000    5484     $41,117,360    $1,016,719      2.47         6934
  $ 10001 -  15000    5519     $68,927,914    $2,935,299      4.26         8935
  $ 15001 -  20000    5126     $89,575,941    $5,260,203      5.87         9711
  $ 20001 -  25000    4286     $96,145,723    $6,804,847      7.08         8977
  $ 25001 -  30000    3530     $96,784,711    $7,682,352      7.94         8027
  $ 30001 -  35000    3012     $97,477,263    $8,490,648      8.71         6999
  $ 35001 -  40000    2575     $96,352,705    $9,057,542      9.40         6438
  $ 40001 -  45000    2186     $92,759,864    $8,936,683      9.63         6001
  $ 45001 -  50000    1793     $85,089,568    $8,504,276      9.99         5167
  $ 50001 -  75000    5676    $344,102,240   $37,392,282     10.87        17898
  $ 75001 - 100000    1971    $167,888,645   $22,992,509     13.70         6210
  $100001 - 250000    1339    $183,357,992   $32,939,917     17.96         4284
  OVER $250,000        269    $178,392,102   $48,505,718     27.19          875

                    ______________________________________________________________
  TOTAL              48791  $1,650,924,730  $200,696,457     12.16       100857
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.1           0.0                    0.3
  $     1  -  5000    12.0             0.9           0.1                    4.1
  $  5001 -  10000    11.2             2.5           0.5                    6.9
  $ 10001 -  15000    11.3             4.2           1.5                    8.9
  $ 15001 -  20000    10.5             5.4           2.6                    9.6
  $ 20001 -  25000     8.8             5.8           3.4                    8.9
  $ 25001 -  30000     7.2             5.9           3.8                    8.0
  $ 30001 -  35000     6.2             5.9           4.2                    6.9
  $ 35001 -  40000     5.3             5.8           4.5                    6.4
  $ 40001 -  45000     4.5             5.6           4.5                    6.0
  $ 45001 -  50000     3.7             5.2           4.2                    5.1
  $ 50001 -  75000    11.6            20.8          18.6                   17.7
  $ 75001 - 100000     4.0            10.2          11.5                    6.2
  $100001 - 250000     2.7            11.1          16.4                    4.2
  OVER $250,000        0.6            10.8          24.2                    0.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-12,758           $93                   1.59
  $     1  -  5000                  $2,617           $27                   0.70
  $  5001 -  10000                  $7,498          $185                   1.26
  $ 10001 -  15000                 $12,489          $532                   1.62
  $ 15001 -  20000                 $17,475        $1,026                   1.89
  $ 20001 -  25000                 $22,433        $1,588                   2.09
  $ 25001 -  30000                 $27,418        $2,176                   2.27
  $ 30001 -  35000                 $32,363        $2,819                   2.32
  $ 35001 -  40000                 $37,419        $3,517                   2.50
  $ 40001 -  45000                 $42,434        $4,088                   2.75
  $ 45001 -  50000                 $47,457        $4,743                   2.88
  $ 50001 -  75000                 $60,624        $6,588                   3.15
  $ 75001 - 100000                 $85,179       $11,665                   3.15
  $100001 - 250000                $136,937       $24,600                   3.20
  OVER $250,000                   $663,168      $180,319                   3.25

                    ______________________________________________________________
  TOTAL                            $33,837        $4,113                   2.07
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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             146     $-6,002,948       $19,876     -0.33          330
  $     1  -  5000    4917     $12,598,014      $138,596      1.10         1826
  $  5001 -  10000    3831     $28,382,607      $896,435      3.16         3944
  $ 10001 -  15000    3072     $38,151,742    $1,712,025      4.49         5159
  $ 15001 -  20000    2638     $45,863,509    $2,470,203      5.39         5556
  $ 20001 -  25000    2105     $47,248,030    $2,994,920      6.34         5128
  $ 25001 -  30000    1765     $48,411,911    $3,383,705      6.99         4791
  $ 30001 -  35000    1530     $49,641,784    $3,772,593      7.60         4386
  $ 35001 -  40000    1397     $52,323,722    $4,175,517      7.98         4428
  $ 40001 -  45000    1262     $53,500,396    $4,339,889      8.11         4354
  $ 45001 -  50000    1110     $52,737,332    $4,428,999      8.40         4191
  $ 50001 -  75000    3603    $219,478,134   $20,177,624      9.19        14472
  $ 75001 - 100000    1454    $124,632,552   $14,357,533     11.52         6271
  $100001 - 250000    1031    $140,470,165   $22,472,583     16.00         4611
  OVER $250,000        161    $114,760,150   $30,128,352     26.25          709

                    ______________________________________________________________
  TOTAL              30022  $1,022,197,100  $115,468,850     11.30        70156
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.6           0.0                    0.5
  $     1  -  5000    16.4             1.2           0.1                    2.6
  $  5001 -  10000    12.8             2.8           0.8                    5.6
  $ 10001 -  15000    10.2             3.7           1.5                    7.4
  $ 15001 -  20000     8.8             4.5           2.1                    7.9
  $ 20001 -  25000     7.0             4.6           2.6                    7.3
  $ 25001 -  30000     5.9             4.7           2.9                    6.8
  $ 30001 -  35000     5.1             4.9           3.3                    6.3
  $ 35001 -  40000     4.7             5.1           3.6                    6.3
  $ 40001 -  45000     4.2             5.2           3.8                    6.2
  $ 45001 -  50000     3.7             5.2           3.8                    6.0
  $ 50001 -  75000    12.0            21.5          17.5                   20.6
  $ 75001 - 100000     4.8            12.2          12.4                    8.9
  $100001 - 250000     3.4            13.7          19.5                    6.6
  OVER $250,000        0.5            11.2          26.1                    1.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-41,116          $136                   2.26
  $     1  -  5000                  $2,562           $28                   0.37
  $  5001 -  10000                  $7,409          $234                   1.03
  $ 10001 -  15000                 $12,419          $557                   1.68
  $ 15001 -  20000                 $17,386          $936                   2.11
  $ 20001 -  25000                 $22,446        $1,423                   2.44
  $ 25001 -  30000                 $27,429        $1,917                   2.71
  $ 30001 -  35000                 $32,446        $2,466                   2.87
  $ 35001 -  40000                 $37,454        $2,989                   3.17
  $ 40001 -  45000                 $42,393        $3,439                   3.45
  $ 45001 -  50000                 $47,511        $3,990                   3.78
  $ 50001 -  75000                 $60,915        $5,600                   4.02
  $ 75001 - 100000                 $85,717        $9,875                   4.31
  $100001 - 250000                $136,247       $21,797                   4.47
  OVER $250,000                   $712,796      $187,133                   4.40

                    ______________________________________________________________
  TOTAL                            $34,048        $3,846                   2.34
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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             551    $-19,787,107        $9,627     -0.05         1284
  $     1  -  5000    7057     $18,335,126      $130,185      0.71         3823
  $  5001 -  10000    5537     $40,985,233    $1,050,915      2.56         7136
  $ 10001 -  15000    4729     $58,797,985    $2,261,703      3.85         9241
  $ 15001 -  20000    4076     $71,006,689    $3,563,744      5.02         9331
  $ 20001 -  25000    3321     $74,492,960    $4,417,185      5.93         8867
  $ 25001 -  30000    2978     $81,553,540    $5,439,788      6.67         8891
  $ 30001 -  35000    2640     $85,708,174    $6,203,736      7.24         8560
  $ 35001 -  40000    2507     $94,010,878    $7,467,297      7.94         8634
  $ 40001 -  45000    2254     $95,711,118    $8,081,417      8.44         7968
  $ 45001 -  50000    1916     $90,836,949    $7,907,473      8.71         7289
  $ 50001 -  75000    5984    $361,836,711   $36,120,389      9.98        22995
  $ 75001 - 100000    1670    $141,714,068   $18,395,042     12.98         6351
  $100001 - 250000     843    $114,972,321   $20,112,777     17.49         3076
  OVER $250,000        118     $74,320,132   $20,434,232     27.49          436

                    ______________________________________________________________
  TOTAL              46181  $1,384,494,777  $141,595,510     10.23       113882
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.2            -1.4           0.0                    1.1
  $     1  -  5000    15.3             1.3           0.1                    3.4
  $  5001 -  10000    12.0             3.0           0.7                    6.3
  $ 10001 -  15000    10.2             4.2           1.6                    8.1
  $ 15001 -  20000     8.8             5.1           2.5                    8.2
  $ 20001 -  25000     7.2             5.4           3.1                    7.8
  $ 25001 -  30000     6.4             5.9           3.8                    7.8
  $ 30001 -  35000     5.7             6.2           4.4                    7.5
  $ 35001 -  40000     5.4             6.8           5.3                    7.6
  $ 40001 -  45000     4.9             6.9           5.7                    7.0
  $ 45001 -  50000     4.1             6.6           5.6                    6.4
  $ 50001 -  75000    13.0            26.1          25.5                   20.2
  $ 75001 - 100000     3.6            10.2          13.0                    5.6
  $100001 - 250000     1.8             8.3          14.2                    2.7
  OVER $250,000        0.3             5.4          14.4                    0.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-35,911           $17                   2.33
  $     1  -  5000                  $2,598           $18                   0.54
  $  5001 -  10000                  $7,402          $190                   1.29
  $ 10001 -  15000                 $12,433          $478                   1.95
  $ 15001 -  20000                 $17,421          $874                   2.29
  $ 20001 -  25000                 $22,431        $1,330                   2.67
  $ 25001 -  30000                 $27,385        $1,827                   2.99
  $ 30001 -  35000                 $32,465        $2,350                   3.24
  $ 35001 -  40000                 $37,499        $2,979                   3.44
  $ 40001 -  45000                 $42,463        $3,585                   3.54
  $ 45001 -  50000                 $47,410        $4,127                   3.80
  $ 50001 -  75000                 $60,467        $6,036                   3.84
  $ 75001 - 100000                 $84,859       $11,015                   3.80
  $100001 - 250000                $136,385       $23,859                   3.65
  OVER $250,000                   $629,832      $173,171                   3.69

                    ______________________________________________________________
  TOTAL                            $29,980        $3,066                   2.47
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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 $1              11       $-313,606        $1,512     -0.48           26
  $     1  -  5000     157        $412,237        $1,802      0.44           66
  $  5001 -  10000     129        $959,815       $21,589      2.25          164
  $ 10001 -  15000      98      $1,238,155       $39,242      3.17          206
  $ 15001 -  20000      75      $1,304,865       $46,875      3.59          204
  $ 20001 -  25000      61      $1,383,773       $80,370      5.81          154
  $ 25001 -  30000      59      $1,622,921      $100,945      6.22          190
  $ 30001 -  35000      36      $1,174,539       $92,902      7.91           97
  $ 35001 -  40000      29      $1,096,475       $87,951      8.02          111
  $ 40001 -  45000      32      $1,354,420      $113,206      8.36          120
  $ 45001 -  50000      23      $1,085,980       $90,068      8.29           85
  $ 50001 -  75000      66      $3,980,374      $384,911      9.67          266
  $ 75001 - 100000      15      $1,281,508      $162,138     12.65           52
  $100001 - 250000      10      $1,297,844      $249,258     19.21           30

                    ______________________________________________________________
  TOTAL                801     $17,879,300    $1,472,769      8.24         1771
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.4            -1.8           0.1                    1.5
  $     1  -  5000    19.6             2.3           0.1                    3.7
  $  5001 -  10000    16.1             5.4           1.5                    9.3
  $ 10001 -  15000    12.2             6.9           2.7                   11.6
  $ 15001 -  20000     9.4             7.3           3.2                   11.5
  $ 20001 -  25000     7.6             7.7           5.5                    8.7
  $ 25001 -  30000     7.4             9.1           6.9                   10.7
  $ 30001 -  35000     4.5             6.6           6.3                    5.5
  $ 35001 -  40000     3.6             6.1           6.0                    6.3
  $ 40001 -  45000     4.0             7.6           7.7                    6.8
  $ 45001 -  50000     2.9             6.1           6.1                    4.8
  $ 50001 -  75000     8.2            22.3          26.1                   15.0
  $ 75001 - 100000     1.9             7.2          11.0                    2.9
  $100001 - 250000     1.2             7.3          16.9                    1.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-28,510          $137                   2.36
  $     1  -  5000                  $2,626           $11                   0.42
  $  5001 -  10000                  $7,440          $167                   1.27
  $ 10001 -  15000                 $12,634          $400                   2.10
  $ 15001 -  20000                 $17,398          $625                   2.72
  $ 20001 -  25000                 $22,685        $1,318                   2.52
  $ 25001 -  30000                 $27,507        $1,711                   3.22
  $ 30001 -  35000                 $32,626        $2,581                   2.69
  $ 35001 -  40000                 $37,809        $3,033                   3.83
  $ 40001 -  45000                 $42,326        $3,538                   3.75
  $ 45001 -  50000                 $47,217        $3,916                   3.70
  $ 50001 -  75000                 $60,309        $5,832                   4.03
  $ 75001 - 100000                 $85,434       $10,809                   3.47
  $100001 - 250000                $129,784       $24,926                   3.00

                    ______________________________________________________________
  TOTAL                            $22,321        $1,839                   2.21
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              90     $-3,835,155        $5,482     -0.14          119
  $     1  -  5000     997      $2,506,767       $77,092      3.08          313
  $  5001 -  10000     793      $5,886,687      $213,289      3.62          699
  $ 10001 -  15000     684      $8,540,763      $497,500      5.83          865
  $ 15001 -  20000     674     $11,718,062      $912,527      7.79          934
  $ 20001 -  25000     502     $11,227,947      $956,193      8.52          742
  $ 25001 -  30000     403     $11,001,063    $1,019,600      9.27          618
  $ 30001 -  35000     317     $10,257,498      $977,035      9.53          573
  $ 35001 -  40000     266      $9,934,668    $1,021,485     10.28          474
  $ 40001 -  45000     261     $11,076,491    $1,121,552     10.13          517
  $ 45001 -  50000     218     $10,345,618    $1,077,656     10.42          462
  $ 50001 -  75000     879     $54,289,316    $5,890,992     10.85         2262
  $ 75001 - 100000     635     $54,823,633    $6,916,366     12.62         1859
  $100001 - 250000    1212    $183,916,773   $32,446,629     17.64         3736
  OVER $250,000        266    $169,429,760   $46,686,072     27.55          750

                    ______________________________________________________________
  TOTAL               8197    $551,119,891   $99,819,470     18.11        14923
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.1            -0.7           0.0                    0.8
  $     1  -  5000    12.2             0.5           0.1                    2.1
  $  5001 -  10000     9.7             1.1           0.2                    4.7
  $ 10001 -  15000     8.3             1.5           0.5                    5.8
  $ 15001 -  20000     8.2             2.1           0.9                    6.3
  $ 20001 -  25000     6.1             2.0           1.0                    5.0
  $ 25001 -  30000     4.9             2.0           1.0                    4.1
  $ 30001 -  35000     3.9             1.9           1.0                    3.8
  $ 35001 -  40000     3.2             1.8           1.0                    3.2
  $ 40001 -  45000     3.2             2.0           1.1                    3.5
  $ 45001 -  50000     2.7             1.9           1.1                    3.1
  $ 50001 -  75000    10.7             9.9           5.9                   15.2
  $ 75001 - 100000     7.7             9.9           6.9                   12.5
  $100001 - 250000    14.8            33.4          32.5                   25.0
  OVER $250,000        3.2            30.7          46.8                    5.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-42,613           $61                   1.32
  $     1  -  5000                  $2,514           $77                   0.31
  $  5001 -  10000                  $7,423          $269                   0.88
  $ 10001 -  15000                 $12,486          $727                   1.26
  $ 15001 -  20000                 $17,386        $1,354                   1.39
  $ 20001 -  25000                 $22,366        $1,905                   1.48
  $ 25001 -  30000                 $27,298        $2,530                   1.53
  $ 30001 -  35000                 $32,358        $3,082                   1.81
  $ 35001 -  40000                 $37,348        $3,840                   1.78
  $ 40001 -  45000                 $42,439        $4,297                   1.98
  $ 45001 -  50000                 $47,457        $4,943                   2.12
  $ 50001 -  75000                 $61,763        $6,702                   2.57
  $ 75001 - 100000                 $86,336       $10,892                   2.93
  $100001 - 250000                $151,747       $26,771                   3.08
  OVER $250,000                   $636,954      $175,512                   2.82

                    ______________________________________________________________
  TOTAL                            $67,234       $12,178                   1.82
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      PAROWAN UT
                        _________________________________________________
  UNDER $1              12       $-280,594        $1,046     -0.37           35
  $     1  -  5000     116        $309,233        $1,404      0.45           80
  $  5001 -  10000     125        $926,147       $15,263      1.65          197
  $ 10001 -  15000     143      $1,806,597       $55,742      3.09          282
  $ 15001 -  20000     121      $2,089,854       $91,508      4.38          281
  $ 20001 -  25000      75      $1,689,145      $101,530      6.01          201
  $ 25001 -  30000      66      $1,814,286      $125,614      6.92          182
  $ 30001 -  35000      41      $1,317,152      $121,055      9.19          144
  $ 35001 -  40000      54      $2,025,289      $152,530      7.53          187
  $ 40001 -  45000      44      $1,876,366      $150,670      8.03          170
  $ 45001 -  50000      26      $1,241,588      $109,091      8.79           98
  $ 50001 -  75000      80      $4,802,147      $499,801     10.41          277
  $ 75001 - 100000      16      $1,364,059      $163,739     12.00           53
  OVER $100,000         13      $1,731,088      $324,386     18.74           41

                    ______________________________________________________________
  TOTAL                932     $22,712,357    $1,913,379      8.42         2228
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.3            -1.2           0.1                    1.6
  $     1  -  5000    12.4             1.4           0.1                    3.6
  $  5001 -  10000    13.4             4.1           0.8                    8.8
  $ 10001 -  15000    15.3             8.0           2.9                   12.7
  $ 15001 -  20000    13.0             9.2           4.8                   12.6
  $ 20001 -  25000     8.0             7.4           5.3                    9.0
  $ 25001 -  30000     7.1             8.0           6.6                    8.2
  $ 30001 -  35000     4.4             5.8           6.3                    6.5
  $ 35001 -  40000     5.8             8.9           8.0                    8.4
  $ 40001 -  45000     4.7             8.3           7.9                    7.6
  $ 45001 -  50000     2.8             5.5           5.7                    4.4
  $ 50001 -  75000     8.6            21.1          26.1                   12.4
  $ 75001 - 100000     1.7             6.0           8.6                    2.4
  OVER $100,000        1.4             7.6          17.0                    1.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-23,383           $87                   2.92
  $     1  -  5000                  $2,666           $12                   0.69
  $  5001 -  10000                  $7,409          $122                   1.58
  $ 10001 -  15000                 $12,634          $390                   1.97
  $ 15001 -  20000                 $17,272          $756                   2.32
  $ 20001 -  25000                 $22,522        $1,354                   2.68
  $ 25001 -  30000                 $27,489        $1,903                   2.76
  $ 30001 -  35000                 $32,126        $2,953                   3.51
  $ 35001 -  40000                 $37,505        $2,825                   3.46
  $ 40001 -  45000                 $42,645        $3,424                   3.86
  $ 45001 -  50000                 $47,753        $4,196                   3.77
  $ 50001 -  75000                 $60,027        $6,248                   3.46
  $ 75001 - 100000                 $85,254       $10,234                   3.31
  OVER $100,000                   $133,161       $24,953                   3.15

                    ______________________________________________________________
  TOTAL                            $24,369        $2,053                   2.39
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              26       $-445,013        $3,788     -0.85           59
  $     1  -  5000     803      $2,240,741       $25,544      1.14          350
  $  5001 -  10000     612      $4,509,528      $126,609      2.81          650
  $ 10001 -  15000     475      $5,895,003      $238,580      4.05          850
  $ 15001 -  20000     444      $7,733,612      $397,250      5.14          966
  $ 20001 -  25000     410      $9,193,729      $574,398      6.25         1005
  $ 25001 -  30000     334      $9,179,224      $583,403      6.36         1026
  $ 30001 -  35000     316     $10,291,798      $719,921      7.00         1068
  $ 35001 -  40000     284     $10,668,118      $774,253      7.26         1055
  $ 40001 -  45000     289     $12,282,680      $958,084      7.80         1150
  $ 45001 -  50000     229     $10,865,003      $888,537      8.18          931
  $ 50001 -  75000     676     $40,163,265    $3,739,882      9.31         2748
  $ 75001 - 100000     150     $12,815,594    $1,550,567     12.10          633
  OVER $100,000         71     $12,034,642    $2,412,988     20.05          322

                    ______________________________________________________________
  TOTAL               5119    $147,427,924   $12,993,804      8.81        12813
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.3           0.0                    0.5
  $     1  -  5000    15.7             1.5           0.2                    2.7
  $  5001 -  10000    12.0             3.1           1.0                    5.1
  $ 10001 -  15000     9.3             4.0           1.8                    6.6
  $ 15001 -  20000     8.7             5.2           3.1                    7.5
  $ 20001 -  25000     8.0             6.2           4.4                    7.8
  $ 25001 -  30000     6.5             6.2           4.5                    8.0
  $ 30001 -  35000     6.2             7.0           5.5                    8.3
  $ 35001 -  40000     5.5             7.2           6.0                    8.2
  $ 40001 -  45000     5.6             8.3           7.4                    9.0
  $ 45001 -  50000     4.5             7.4           6.8                    7.3
  $ 50001 -  75000    13.2            27.2          28.8                   21.4
  $ 75001 - 100000     2.9             8.7          11.9                    4.9
  OVER $100,000        1.4             8.2          18.6                    2.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-17,116          $146                   2.27
  $     1  -  5000                  $2,790           $32                   0.44
  $  5001 -  10000                  $7,369          $207                   1.06
  $ 10001 -  15000                 $12,411          $502                   1.79
  $ 15001 -  20000                 $17,418          $895                   2.18
  $ 20001 -  25000                 $22,424        $1,401                   2.45
  $ 25001 -  30000                 $27,483        $1,747                   3.07
  $ 30001 -  35000                 $32,569        $2,278                   3.38
  $ 35001 -  40000                 $37,564        $2,726                   3.71
  $ 40001 -  45000                 $42,501        $3,315                   3.98
  $ 45001 -  50000                 $47,445        $3,880                   4.07
  $ 50001 -  75000                 $59,413        $5,532                   4.07
  $ 75001 - 100000                 $85,437       $10,337                   4.22
  OVER $100,000                   $169,502       $33,986                   4.54

                    ______________________________________________________________
  TOTAL                            $28,800        $2,538                   2.50
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      PLAIN CITY UT
                        _________________________________________________
  UNDER $ 5,000        122        $249,435        $1,119      0.45           34
  $  5001 -  10000      76        $536,167       $19,137      3.57           56
  $ 10001 -  15000      54        $673,381       $41,534      6.17           64
  $ 15001 -  20000      49        $871,651       $59,543      6.83           79
  $ 20001 -  25000      47      $1,061,788       $79,790      7.51           92
  $ 25001 -  30000      39      $1,059,342       $72,822      6.87          106
  $ 30001 -  35000      39      $1,252,245       $95,208      7.60          110
  $ 35001 -  40000      37      $1,389,341      $102,474      7.38          119
  $ 40001 -  45000      48      $2,039,623      $168,098      8.24          159
  $ 45001 -  50000      39      $1,841,904      $149,409      8.11          157
  $ 50001 -  75000     147      $9,048,311      $882,558      9.75          580
  $ 75001 - 100000      38      $3,187,592      $404,840     12.70          152
  OVER $100,000         17      $2,513,415      $443,905     17.66           89

                    ______________________________________________________________
  TOTAL                752     $25,724,195    $2,520,437      9.80         1797
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       16.2             1.0           0.0                    1.9
  $  5001 -  10000    10.1             2.1           0.8                    3.1
  $ 10001 -  15000     7.2             2.6           1.6                    3.6
  $ 15001 -  20000     6.5             3.4           2.4                    4.4
  $ 20001 -  25000     6.3             4.1           3.2                    5.1
  $ 25001 -  30000     5.2             4.1           2.9                    5.9
  $ 30001 -  35000     5.2             4.9           3.8                    6.1
  $ 35001 -  40000     4.9             5.4           4.1                    6.6
  $ 40001 -  45000     6.4             7.9           6.7                    8.8
  $ 45001 -  50000     5.2             7.2           5.9                    8.7
  $ 50001 -  75000    19.5            35.2          35.0                   32.3
  $ 75001 - 100000     5.1            12.4          16.1                    8.5
  OVER $100,000        2.3             9.8          17.6                    5.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,045            $9                   0.28
  $  5001 -  10000                  $7,055          $252                   0.74
  $ 10001 -  15000                 $12,470          $769                   1.19
  $ 15001 -  20000                 $17,789        $1,215                   1.61
  $ 20001 -  25000                 $22,591        $1,698                   1.96
  $ 25001 -  30000                 $27,163        $1,867                   2.72
  $ 30001 -  35000                 $32,109        $2,441                   2.82
  $ 35001 -  40000                 $37,550        $2,770                   3.22
  $ 40001 -  45000                 $42,492        $3,502                   3.31
  $ 45001 -  50000                 $47,228        $3,831                   4.03
  $ 50001 -  75000                 $61,553        $6,004                   3.95
  $ 75001 - 100000                 $83,884       $10,654                   4.00
  OVER $100,000                   $147,848       $26,112                   5.24

                    ______________________________________________________________
  TOTAL                            $34,208        $3,352                   2.39
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              37     $-5,616,906        $1,653     -0.03           78
  $     1  -  5000    1041      $2,642,648       $16,094      0.61          371
  $  5001 -  10000     855      $6,293,187      $194,949      3.10          878
  $ 10001 -  15000     748      $9,379,554      $420,099      4.48         1225
  $ 15001 -  20000     592     $10,355,535      $556,172      5.37         1250
  $ 20001 -  25000     477     $10,676,263      $634,525      5.94         1227
  $ 25001 -  30000     407     $11,173,677      $759,527      6.80         1102
  $ 30001 -  35000     416     $13,507,948      $926,230      6.86         1357
  $ 35001 -  40000     438     $16,402,581    $1,184,671      7.22         1573
  $ 40001 -  45000     419     $17,815,396    $1,338,104      7.51         1627
  $ 45001 -  50000     397     $18,830,602    $1,421,505      7.55         1584
  $ 50001 -  75000    1281     $77,473,333    $6,865,663      8.86         5244
  $ 75001 - 100000     384     $32,811,429    $3,824,086     11.65         1590
  $100001 - 250000     193     $25,077,589    $4,012,263     16.00          810
  OVER $250,000         18      $6,715,495    $1,643,309     24.47           61

                    ______________________________________________________________
  TOTAL               7703    $253,538,331   $23,798,850      9.39        19977
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -2.2           0.0                    0.4
  $     1  -  5000    13.5             1.0           0.1                    1.9
  $  5001 -  10000    11.1             2.5           0.8                    4.4
  $ 10001 -  15000     9.7             3.7           1.8                    6.1
  $ 15001 -  20000     7.7             4.1           2.3                    6.3
  $ 20001 -  25000     6.2             4.2           2.7                    6.1
  $ 25001 -  30000     5.3             4.4           3.2                    5.5
  $ 30001 -  35000     5.4             5.3           3.9                    6.8
  $ 35001 -  40000     5.7             6.5           5.0                    7.9
  $ 40001 -  45000     5.4             7.0           5.6                    8.1
  $ 45001 -  50000     5.2             7.4           6.0                    7.9
  $ 50001 -  75000    16.6            30.6          28.8                   26.3
  $ 75001 - 100000     5.0            12.9          16.1                    8.0
  $100001 - 250000     2.5             9.9          16.9                    4.1
  OVER $250,000        0.2             2.6           6.9                    0.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-151808           $45                   2.11
  $     1  -  5000                  $2,539           $15                   0.36
  $  5001 -  10000                  $7,360          $228                   1.03
  $ 10001 -  15000                 $12,540          $562                   1.64
  $ 15001 -  20000                 $17,492          $939                   2.11
  $ 20001 -  25000                 $22,382        $1,330                   2.57
  $ 25001 -  30000                 $27,454        $1,866                   2.71
  $ 30001 -  35000                 $32,471        $2,227                   3.26
  $ 35001 -  40000                 $37,449        $2,705                   3.59
  $ 40001 -  45000                 $42,519        $3,194                   3.88
  $ 45001 -  50000                 $47,432        $3,581                   3.99
  $ 50001 -  75000                 $60,479        $5,360                   4.09
  $ 75001 - 100000                 $85,446        $9,959                   4.14
  $100001 - 250000                $129,936       $20,789                   4.20
  OVER $250,000                   $373,083       $91,295                   3.39

                    ______________________________________________________________
  TOTAL                            $32,914        $3,090                   2.59
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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        191        $444,336        $6,392      1.44           60
  $  5001 -  10000      81        $572,069       $22,388      3.91           41
  $ 10001 -  15000      71        $869,969       $55,888      6.42           72
  $ 15001 -  20000      52        $908,528       $53,550      5.89           88
  $ 20001 -  25000      42        $917,816       $66,409      7.24           79
  $ 25001 -  30000      43      $1,163,943       $87,706      7.54          106
  $ 30001 -  35000      30        $952,243       $79,104      8.31           75
  $ 35001 -  40000      27      $1,002,865       $86,068      8.58           76
  $ 40001 -  45000      39      $1,667,516      $145,676      8.74          118
  $ 45001 -  50000      45      $2,143,259      $158,225      7.38          169
  $ 50001 -  75000     204     $12,672,626    $1,174,179      9.27          767
  $ 75001 - 100000     106      $9,067,469    $1,062,528     11.72          418
  OVER $100,000         89     $14,138,569    $2,569,508     18.17          312

                    ______________________________________________________________
  TOTAL               1020     $46,521,208    $5,567,621     11.97         2381
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       18.7             1.0           0.1                    2.5
  $  5001 -  10000     7.9             1.2           0.4                    1.7
  $ 10001 -  15000     7.0             1.9           1.0                    3.0
  $ 15001 -  20000     5.1             2.0           1.0                    3.7
  $ 20001 -  25000     4.1             2.0           1.2                    3.3
  $ 25001 -  30000     4.2             2.5           1.6                    4.5
  $ 30001 -  35000     2.9             2.0           1.4                    3.1
  $ 35001 -  40000     2.6             2.2           1.5                    3.2
  $ 40001 -  45000     3.8             3.6           2.6                    5.0
  $ 45001 -  50000     4.4             4.6           2.8                    7.1
  $ 50001 -  75000    20.0            27.2          21.1                   32.2
  $ 75001 - 100000    10.4            19.5          19.1                   17.6
  OVER $100,000        8.7            30.4          46.2                   13.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,326           $33                   0.31
  $  5001 -  10000                  $7,063          $276                   0.51
  $ 10001 -  15000                 $12,253          $787                   1.01
  $ 15001 -  20000                 $17,472        $1,030                   1.69
  $ 20001 -  25000                 $21,853        $1,581                   1.88
  $ 25001 -  30000                 $27,068        $2,040                   2.47
  $ 30001 -  35000                 $31,741        $2,637                   2.50
  $ 35001 -  40000                 $37,143        $3,188                   2.81
  $ 40001 -  45000                 $42,757        $3,735                   3.03
  $ 45001 -  50000                 $47,628        $3,516                   3.76
  $ 50001 -  75000                 $62,121        $5,756                   3.76
  $ 75001 - 100000                 $85,542       $10,024                   3.94
  OVER $100,000                   $158,860       $28,871                   3.51

                    ______________________________________________________________
  TOTAL                            $45,609        $5,458                   2.33
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              30       $-300,931           $35     -0.01           54
  $     1  -  5000     881      $2,209,595       $17,188      0.78          571
  $  5001 -  10000     663      $4,846,292      $107,607      2.22          868
  $ 10001 -  15000     498      $6,229,056      $261,281      4.19          875
  $ 15001 -  20000     377      $6,572,406      $367,028      5.58          718
  $ 20001 -  25000     304      $6,821,047      $471,937      6.92          666
  $ 25001 -  30000     264      $7,238,229      $553,299      7.64          646
  $ 30001 -  35000     276      $8,988,697      $763,542      8.49          718
  $ 35001 -  40000     229      $8,591,870      $765,211      8.91          692
  $ 40001 -  45000     207      $8,780,567      $860,390      9.80          629
  $ 45001 -  50000     219     $10,406,820    $1,010,353      9.71          743
  $ 50001 -  75000     763     $46,827,442    $5,204,001     11.11         2652
  $ 75001 - 100000     277     $23,308,528    $3,269,526     14.03          982
  $100001 - 250000     125     $16,751,666    $3,102,208     18.52          450
  OVER $250,000         12      $4,399,392    $1,177,179     26.76           45

                    ______________________________________________________________
  TOTAL               5125    $161,670,676   $17,930,785     11.09        11309
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.2           0.0                    0.5
  $     1  -  5000    17.2             1.4           0.1                    5.0
  $  5001 -  10000    12.9             3.0           0.6                    7.7
  $ 10001 -  15000     9.7             3.9           1.5                    7.7
  $ 15001 -  20000     7.4             4.1           2.0                    6.3
  $ 20001 -  25000     5.9             4.2           2.6                    5.9
  $ 25001 -  30000     5.2             4.5           3.1                    5.7
  $ 30001 -  35000     5.4             5.6           4.3                    6.3
  $ 35001 -  40000     4.5             5.3           4.3                    6.1
  $ 40001 -  45000     4.0             5.4           4.8                    5.6
  $ 45001 -  50000     4.3             6.4           5.6                    6.6
  $ 50001 -  75000    14.9            29.0          29.0                   23.5
  $ 75001 - 100000     5.4            14.4          18.2                    8.7
  $100001 - 250000     2.4            10.4          17.3                    4.0
  OVER $250,000        0.2             2.7           6.6                    0.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-10,031            $1                   1.80
  $     1  -  5000                  $2,508           $20                   0.65
  $  5001 -  10000                  $7,310          $162                   1.31
  $ 10001 -  15000                 $12,508          $525                   1.76
  $ 15001 -  20000                 $17,433          $974                   1.90
  $ 20001 -  25000                 $22,438        $1,552                   2.19
  $ 25001 -  30000                 $27,418        $2,096                   2.45
  $ 30001 -  35000                 $32,568        $2,766                   2.60
  $ 35001 -  40000                 $37,519        $3,342                   3.02
  $ 40001 -  45000                 $42,418        $4,156                   3.04
  $ 45001 -  50000                 $47,520        $4,613                   3.39
  $ 50001 -  75000                 $61,373        $6,820                   3.48
  $ 75001 - 100000                 $84,146       $11,803                   3.55
  $100001 - 250000                $134,013       $24,818                   3.60
  OVER $250,000                   $366,616       $98,098                   3.75

                    ______________________________________________________________
  TOTAL                            $31,545        $3,499                   2.21
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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        277        $498,364       $11,625      2.33           78
  $  5001 -  10000     162      $1,179,345       $44,964      3.81          120
  $ 10001 -  15000     128      $1,559,249       $87,924      5.64          141
  $ 15001 -  20000     102      $1,769,122       $97,979      5.54          189
  $ 20001 -  25000      70      $1,568,859       $97,680      6.23          163
  $ 25001 -  30000      71      $1,944,115      $125,447      6.45          183
  $ 30001 -  35000      76      $2,486,389      $185,385      7.46          235
  $ 35001 -  40000      81      $3,038,851      $223,512      7.36          268
  $ 40001 -  45000      66      $2,797,591      $214,375      7.66          254
  $ 45001 -  50000      66      $3,142,690      $258,924      8.24          256
  $ 50001 -  75000     276     $16,784,156    $1,572,533      9.37         1097
  $ 75001 - 100000     101      $8,619,733    $1,040,138     12.07          396
  $100001 - 250000      98     $13,713,646    $2,328,820     16.98          394
  OVER $250,000         17      $7,389,310    $1,836,311     24.85           70

                    ______________________________________________________________
  TOTAL               1591     $66,491,420    $8,125,617     12.22         3844
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       17.4             0.7           0.1                    2.0
  $  5001 -  10000    10.2             1.8           0.6                    3.1
  $ 10001 -  15000     8.0             2.3           1.1                    3.7
  $ 15001 -  20000     6.4             2.7           1.2                    4.9
  $ 20001 -  25000     4.4             2.4           1.2                    4.2
  $ 25001 -  30000     4.5             2.9           1.5                    4.8
  $ 30001 -  35000     4.8             3.7           2.3                    6.1
  $ 35001 -  40000     5.1             4.6           2.8                    7.0
  $ 40001 -  45000     4.1             4.2           2.6                    6.6
  $ 45001 -  50000     4.1             4.7           3.2                    6.7
  $ 50001 -  75000    17.3            25.2          19.4                   28.5
  $ 75001 - 100000     6.3            13.0          12.8                   10.3
  $100001 - 250000     6.2            20.6          28.7                   10.2
  OVER $250,000        1.1            11.1          22.6                    1.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,799           $42                   0.28
  $  5001 -  10000                  $7,280          $278                   0.74
  $ 10001 -  15000                 $12,182          $687                   1.10
  $ 15001 -  20000                 $17,344          $961                   1.85
  $ 20001 -  25000                 $22,412        $1,395                   2.33
  $ 25001 -  30000                 $27,382        $1,767                   2.58
  $ 30001 -  35000                 $32,716        $2,439                   3.09
  $ 35001 -  40000                 $37,517        $2,759                   3.31
  $ 40001 -  45000                 $42,388        $3,248                   3.85
  $ 45001 -  50000                 $47,617        $3,923                   3.88
  $ 50001 -  75000                 $60,812        $5,698                   3.97
  $ 75001 - 100000                 $85,344       $10,298                   3.92
  $100001 - 250000                $139,935       $23,763                   4.02
  OVER $250,000                   $434,665      $108,018                   4.12

                    ______________________________________________________________
  TOTAL                            $41,792        $5,107                   2.42
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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             238     $-6,298,224       $29,991     -0.48          418
  $     1  -  5000    5502     $15,183,845      $125,022      0.82         3062
  $  5001 -  10000    5728     $42,352,501    $1,129,644      2.67         6498
  $ 10001 -  15000    4281     $53,123,123    $2,167,762      4.08         7426
  $ 15001 -  20000    3484     $60,666,041    $3,321,645      5.48         7107
  $ 20001 -  25000    2542     $56,957,346    $3,805,211      6.68         5821
  $ 25001 -  30000    1884     $51,616,289    $3,831,442      7.42         4755
  $ 30001 -  35000    1559     $50,498,325    $4,041,943      8.00         4192
  $ 35001 -  40000    1304     $48,712,554    $4,004,554      8.22         3923
  $ 40001 -  45000    1095     $46,452,224    $4,085,501      8.80         3394
  $ 45001 -  50000     864     $40,952,136    $3,689,752      9.01         2820
  $ 50001 -  75000    2387    $143,924,635   $14,255,505      9.90         8270
  $ 75001 - 100000     948     $81,219,152    $9,868,931     12.15         3479
  $100001 - 250000     831    $115,530,304   $19,220,886     16.64         3044
  OVER $250,000        199    $103,297,430   $27,655,630     26.77          767

                    ______________________________________________________________
  TOTAL              32846    $904,187,681  $101,233,419     11.20        64976
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.7           0.0                    0.6
  $     1  -  5000    16.8             1.7           0.1                    4.7
  $  5001 -  10000    17.4             4.7           1.1                   10.0
  $ 10001 -  15000    13.0             5.9           2.1                   11.4
  $ 15001 -  20000    10.6             6.7           3.3                   10.9
  $ 20001 -  25000     7.7             6.3           3.8                    9.0
  $ 25001 -  30000     5.7             5.7           3.8                    7.3
  $ 30001 -  35000     4.7             5.6           4.0                    6.5
  $ 35001 -  40000     4.0             5.4           4.0                    6.0
  $ 40001 -  45000     3.3             5.1           4.0                    5.2
  $ 45001 -  50000     2.6             4.5           3.6                    4.3
  $ 50001 -  75000     7.3            15.9          14.1                   12.7
  $ 75001 - 100000     2.9             9.0           9.7                    5.4
  $100001 - 250000     2.5            12.8          19.0                    4.7
  OVER $250,000        0.6            11.4          27.3                    1.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-26,463          $126                   1.76
  $     1  -  5000                  $2,760           $23                   0.56
  $  5001 -  10000                  $7,394          $197                   1.13
  $ 10001 -  15000                 $12,409          $506                   1.73
  $ 15001 -  20000                 $17,413          $953                   2.04
  $ 20001 -  25000                 $22,407        $1,497                   2.29
  $ 25001 -  30000                 $27,397        $2,034                   2.52
  $ 30001 -  35000                 $32,391        $2,593                   2.69
  $ 35001 -  40000                 $37,356        $3,071                   3.01
  $ 40001 -  45000                 $42,422        $3,731                   3.10
  $ 45001 -  50000                 $47,398        $4,271                   3.26
  $ 50001 -  75000                 $60,295        $5,972                   3.46
  $ 75001 - 100000                 $85,674       $10,410                   3.67
  $100001 - 250000                $139,026       $23,130                   3.66
  OVER $250,000                   $519,083      $138,973                   3.85

                    ______________________________________________________________
  TOTAL                            $27,528        $3,082                   1.98
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              23       $-323,471            $0      0.00           46
  $     1  -  5000     502      $1,328,719       $18,926      1.42          297
  $  5001 -  10000     339      $2,538,527       $61,565      2.43          470
  $ 10001 -  15000     272      $3,401,863      $127,696      3.75          494
  $ 15001 -  20000     198      $3,463,336      $162,869      4.70          440
  $ 20001 -  25000     181      $4,075,555      $237,649      5.83          477
  $ 25001 -  30000     152      $4,189,005      $281,417      6.72          450
  $ 30001 -  35000     129      $4,182,009      $311,334      7.44          403
  $ 35001 -  40000     120      $4,498,221      $373,116      8.29          374
  $ 40001 -  45000      93      $3,958,338      $334,775      8.46          351
  $ 45001 -  50000     126      $6,003,092      $579,962      9.66          422
  $ 50001 -  75000     306     $18,486,301    $1,881,111     10.18         1102
  $ 75001 - 100000     103      $8,794,530    $1,138,650     12.95          382
  OVER $100,000         69     $11,052,229    $2,155,274     19.50          295

                    ______________________________________________________________
  TOTAL               2613     $75,648,254    $7,664,344     10.13         6003
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.9            -0.4           0.0                    0.8
  $     1  -  5000    19.2             1.8           0.2                    4.9
  $  5001 -  10000    13.0             3.4           0.8                    7.8
  $ 10001 -  15000    10.4             4.5           1.7                    8.2
  $ 15001 -  20000     7.6             4.6           2.1                    7.3
  $ 20001 -  25000     6.9             5.4           3.1                    7.9
  $ 25001 -  30000     5.8             5.5           3.7                    7.5
  $ 30001 -  35000     4.9             5.5           4.1                    6.7
  $ 35001 -  40000     4.6             5.9           4.9                    6.2
  $ 40001 -  45000     3.6             5.2           4.4                    5.8
  $ 45001 -  50000     4.8             7.9           7.6                    7.0
  $ 50001 -  75000    11.7            24.4          24.5                   18.4
  $ 75001 - 100000     3.9            11.6          14.9                    6.4
  OVER $100,000        2.6            14.6          28.1                    4.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-14,064            $0                   2.00
  $     1  -  5000                  $2,647           $38                   0.59
  $  5001 -  10000                  $7,488          $182                   1.39
  $ 10001 -  15000                 $12,507          $469                   1.82
  $ 15001 -  20000                 $17,492          $823                   2.22
  $ 20001 -  25000                 $22,517        $1,313                   2.64
  $ 25001 -  30000                 $27,559        $1,851                   2.96
  $ 30001 -  35000                 $32,419        $2,413                   3.12
  $ 35001 -  40000                 $37,485        $3,109                   3.12
  $ 40001 -  45000                 $42,563        $3,600                   3.77
  $ 45001 -  50000                 $47,644        $4,603                   3.35
  $ 50001 -  75000                 $60,413        $6,147                   3.60
  $ 75001 - 100000                 $85,384       $11,055                   3.71
  OVER $100,000                   $160,177       $31,236                   4.28

                    ______________________________________________________________
  TOTAL                            $28,951        $2,933                   2.30
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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        123        $281,590        $1,475      0.52           49
  $  5001 -  10000      78        $567,310       $21,987      3.88           53
  $ 10001 -  15000      84      $1,064,734       $46,053      4.33          144
  $ 15001 -  20000      81      $1,406,763       $80,043      5.69          154
  $ 20001 -  25000      62      $1,386,497       $84,223      6.07          161
  $ 25001 -  30000      76      $2,094,516      $124,808      5.96          256
  $ 30001 -  35000      74      $2,412,363      $174,399      7.23          242
  $ 35001 -  40000      49      $1,849,546      $139,437      7.54          186
  $ 40001 -  45000      47      $1,992,945      $170,434      8.55          171
  $ 45001 -  50000      48      $2,283,181      $197,344      8.64          189
  $ 50001 -  75000     103      $6,079,273      $601,399      9.89          379
  $ 75001 - 100000      26      $2,153,121      $291,574     13.54           93
  OVER $100,000         14      $2,041,145      $384,424     18.83           43

                    ______________________________________________________________
  TOTAL                865     $25,612,984    $2,317,600      9.05         2120
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       14.2             1.1           0.1                    2.3
  $  5001 -  10000     9.0             2.2           0.9                    2.5
  $ 10001 -  15000     9.7             4.2           2.0                    6.8
  $ 15001 -  20000     9.4             5.5           3.5                    7.3
  $ 20001 -  25000     7.2             5.4           3.6                    7.6
  $ 25001 -  30000     8.8             8.2           5.4                   12.1
  $ 30001 -  35000     8.6             9.4           7.5                   11.4
  $ 35001 -  40000     5.7             7.2           6.0                    8.8
  $ 40001 -  45000     5.4             7.8           7.4                    8.1
  $ 45001 -  50000     5.5             8.9           8.5                    8.9
  $ 50001 -  75000    11.9            23.7          25.9                   17.9
  $ 75001 - 100000     3.0             8.4          12.6                    4.4
  OVER $100,000        1.6             8.0          16.6                    2.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,289           $12                   0.40
  $  5001 -  10000                  $7,273          $282                   0.68
  $ 10001 -  15000                 $12,675          $548                   1.71
  $ 15001 -  20000                 $17,367          $988                   1.90
  $ 20001 -  25000                 $22,363        $1,358                   2.60
  $ 25001 -  30000                 $27,559        $1,642                   3.37
  $ 30001 -  35000                 $32,600        $2,357                   3.27
  $ 35001 -  40000                 $37,746        $2,846                   3.80
  $ 40001 -  45000                 $42,403        $3,626                   3.64
  $ 45001 -  50000                 $47,566        $4,111                   3.94
  $ 50001 -  75000                 $59,022        $5,839                   3.68
  $ 75001 - 100000                 $82,812       $11,214                   3.58
  OVER $100,000                   $145,796       $27,459                   3.07

                    ______________________________________________________________
  TOTAL                            $29,610        $2,679                   2.45
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      RIVERDALE UT
                        _________________________________________________
  UNDER $ 5,000        221        $565,408        $3,671      0.65           96
  $  5001 -  10000     186      $1,364,535       $42,363      3.10          185
  $ 10001 -  15000     161      $2,041,005      $106,812      5.23          230
  $ 15001 -  20000     151      $2,631,513      $170,451      6.48          257
  $ 20001 -  25000     143      $3,221,642      $242,316      7.52          280
  $ 25001 -  30000     137      $3,767,151      $314,165      8.34          288
  $ 30001 -  35000      99      $3,201,465      $297,726      9.30          198
  $ 35001 -  40000     116      $4,351,679      $379,969      8.73          340
  $ 40001 -  45000      97      $4,084,592      $408,301     10.00          263
  $ 45001 -  50000      83      $3,943,144      $400,056     10.15          242
  $ 50001 -  75000     279     $16,929,611    $1,866,520     11.03          875
  $ 75001 - 100000      84      $7,042,781      $961,580     13.65          282
  OVER $100,000         23      $3,075,372      $547,757     17.81           67

                    ______________________________________________________________
  TOTAL               1780     $56,219,898    $5,741,687     10.21         3603
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       12.4             1.0           0.1                    2.7
  $  5001 -  10000    10.4             2.4           0.7                    5.1
  $ 10001 -  15000     9.0             3.6           1.9                    6.4
  $ 15001 -  20000     8.5             4.7           3.0                    7.1
  $ 20001 -  25000     8.0             5.7           4.2                    7.8
  $ 25001 -  30000     7.7             6.7           5.5                    8.0
  $ 30001 -  35000     5.6             5.7           5.2                    5.5
  $ 35001 -  40000     6.5             7.7           6.6                    9.4
  $ 40001 -  45000     5.4             7.3           7.1                    7.3
  $ 45001 -  50000     4.7             7.0           7.0                    6.7
  $ 50001 -  75000    15.7            30.1          32.5                   24.3
  $ 75001 - 100000     4.7            12.5          16.7                    7.8
  OVER $100,000        1.3             5.5           9.5                    1.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,558           $17                   0.43
  $  5001 -  10000                  $7,336          $228                   0.99
  $ 10001 -  15000                 $12,677          $663                   1.43
  $ 15001 -  20000                 $17,427        $1,129                   1.70
  $ 20001 -  25000                 $22,529        $1,695                   1.96
  $ 25001 -  30000                 $27,497        $2,293                   2.10
  $ 30001 -  35000                 $32,338        $3,007                   2.00
  $ 35001 -  40000                 $37,514        $3,276                   2.93
  $ 40001 -  45000                 $42,109        $4,209                   2.71
  $ 45001 -  50000                 $47,508        $4,820                   2.92
  $ 50001 -  75000                 $60,680        $6,690                   3.14
  $ 75001 - 100000                 $83,843       $11,447                   3.36
  OVER $100,000                   $133,712       $23,816                   2.91

                    ______________________________________________________________
  TOTAL                            $31,584        $3,226                   2.02
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              37       $-929,351        $1,653     -0.18          101
  $     1  -  5000    1104      $2,712,013       $22,171      0.82          296
  $  5001 -  10000     676      $4,925,515      $174,631      3.55          546
  $ 10001 -  15000     542      $6,731,086      $331,177      4.92          815
  $ 15001 -  20000     511      $8,909,073      $579,500      6.50          874
  $ 20001 -  25000     400      $8,942,382      $581,928      6.51          896
  $ 25001 -  30000     377     $10,373,315      $721,281      6.95          976
  $ 30001 -  35000     390     $12,718,369      $823,727      6.48         1251
  $ 35001 -  40000     430     $16,106,122    $1,077,286      6.69         1561
  $ 40001 -  45000     498     $21,210,302    $1,547,901      7.30         1860
  $ 45001 -  50000     515     $24,518,667    $1,926,950      7.86         1948
  $ 50001 -  75000    1885    $114,657,957   $10,182,805      8.88         7396
  $ 75001 - 100000     597     $50,394,599    $5,903,770     11.72         2361
  $100001 - 250000     285     $37,534,712    $6,149,934     16.38         1079
  OVER $250,000         17      $9,340,741    $2,831,495     30.31           51

                    ______________________________________________________________
  TOTAL               8264    $328,145,502   $32,856,209     10.01        22011
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.3           0.0                    0.5
  $     1  -  5000    13.4             0.8           0.1                    1.3
  $  5001 -  10000     8.2             1.5           0.5                    2.5
  $ 10001 -  15000     6.6             2.1           1.0                    3.7
  $ 15001 -  20000     6.2             2.7           1.8                    4.0
  $ 20001 -  25000     4.8             2.7           1.8                    4.1
  $ 25001 -  30000     4.6             3.2           2.2                    4.4
  $ 30001 -  35000     4.7             3.9           2.5                    5.7
  $ 35001 -  40000     5.2             4.9           3.3                    7.1
  $ 40001 -  45000     6.0             6.5           4.7                    8.5
  $ 45001 -  50000     6.2             7.5           5.9                    8.9
  $ 50001 -  75000    22.8            34.9          31.0                   33.6
  $ 75001 - 100000     7.2            15.4          18.0                   10.7
  $100001 - 250000     3.4            11.4          18.7                    4.9
  OVER $250,000        0.2             2.8           8.6                    0.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-25,118           $45                   2.73
  $     1  -  5000                  $2,457           $20                   0.27
  $  5001 -  10000                  $7,286          $258                   0.81
  $ 10001 -  15000                 $12,419          $611                   1.50
  $ 15001 -  20000                 $17,435        $1,134                   1.71
  $ 20001 -  25000                 $22,356        $1,455                   2.24
  $ 25001 -  30000                 $27,515        $1,913                   2.59
  $ 30001 -  35000                 $32,611        $2,112                   3.21
  $ 35001 -  40000                 $37,456        $2,505                   3.63
  $ 40001 -  45000                 $42,591        $3,108                   3.73
  $ 45001 -  50000                 $47,609        $3,742                   3.78
  $ 50001 -  75000                 $60,827        $5,402                   3.92
  $ 75001 - 100000                 $84,413        $9,889                   3.95
  $100001 - 250000                $131,701       $21,579                   3.79
  OVER $250,000                   $549,455      $166,559                   3.00

                    ______________________________________________________________
  TOTAL                            $39,708        $3,976                   2.66
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              37     $-1,177,920          $559     -0.05           76
  $     1  -  5000     461      $1,106,779        $7,006      0.63          357
  $  5001 -  10000     350      $2,605,878       $46,141      1.77          600
  $ 10001 -  15000     251      $3,147,731      $101,388      3.22          573
  $ 15001 -  20000     220      $3,857,350      $172,126      4.46          583
  $ 20001 -  25000     215      $4,835,770      $252,361      5.22          673
  $ 25001 -  30000     188      $5,156,511      $330,172      6.40          607
  $ 30001 -  35000     189      $6,117,162      $472,567      7.73          591
  $ 35001 -  40000     165      $6,173,088      $507,486      8.22          571
  $ 40001 -  45000     138      $5,850,146      $495,476      8.47          524
  $ 45001 -  50000      83      $3,923,923      $347,336      8.85          326
  $ 50001 -  75000     281     $16,738,201    $1,700,348     10.16         1044
  $ 75001 - 100000      73      $6,105,438      $821,730     13.46          296
  OVER $100,000         55     $10,899,093    $2,199,963     20.18          224

                    ______________________________________________________________
  TOTAL               2706     $75,339,150    $7,454,659      9.89         7045
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.4            -1.6           0.0                    1.1
  $     1  -  5000    17.0             1.5           0.1                    5.1
  $  5001 -  10000    12.9             3.5           0.6                    8.5
  $ 10001 -  15000     9.3             4.2           1.4                    8.1
  $ 15001 -  20000     8.1             5.1           2.3                    8.3
  $ 20001 -  25000     7.9             6.4           3.4                    9.6
  $ 25001 -  30000     6.9             6.8           4.4                    8.6
  $ 30001 -  35000     7.0             8.1           6.3                    8.4
  $ 35001 -  40000     6.1             8.2           6.8                    8.1
  $ 40001 -  45000     5.1             7.8           6.6                    7.4
  $ 45001 -  50000     3.1             5.2           4.7                    4.6
  $ 50001 -  75000    10.4            22.2          22.8                   14.8
  $ 75001 - 100000     2.7             8.1          11.0                    4.2
  OVER $100,000        2.0            14.5          29.5                    3.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-31,836           $15                   2.05
  $     1  -  5000                  $2,401           $15                   0.77
  $  5001 -  10000                  $7,445          $132                   1.71
  $ 10001 -  15000                 $12,541          $404                   2.28
  $ 15001 -  20000                 $17,533          $782                   2.65
  $ 20001 -  25000                 $22,492        $1,174                   3.13
  $ 25001 -  30000                 $27,428        $1,756                   3.23
  $ 30001 -  35000                 $32,366        $2,500                   3.13
  $ 35001 -  40000                 $37,413        $3,076                   3.46
  $ 40001 -  45000                 $42,392        $3,590                   3.80
  $ 45001 -  50000                 $47,276        $4,185                   3.93
  $ 50001 -  75000                 $59,567        $6,051                   3.72
  $ 75001 - 100000                 $83,636       $11,257                   4.05
  OVER $100,000                   $198,165       $39,999                   4.07

                    ______________________________________________________________
  TOTAL                            $27,842        $2,755                   2.60
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              28       $-334,013            $0      0.00           48
  $     1  -  5000    1374      $3,580,016       $31,602      0.88          514
  $  5001 -  10000    1200      $8,936,463      $265,723      2.97         1152
  $ 10001 -  15000    1131     $14,135,213      $694,199      4.91         1602
  $ 15001 -  20000    1063     $18,590,562    $1,159,418      6.24         1856
  $ 20001 -  25000    1031     $23,141,624    $1,670,518      7.22         2079
  $ 25001 -  30000    1006     $27,622,550    $2,151,069      7.79         2320
  $ 30001 -  35000     895     $29,058,535    $2,353,399      8.10         2338
  $ 35001 -  40000     880     $33,021,426    $2,894,200      8.76         2423
  $ 40001 -  45000     857     $36,457,457    $3,311,557      9.08         2576
  $ 45001 -  50000     766     $36,439,227    $3,363,373      9.23         2485
  $ 50001 -  75000    2362    $142,863,613   $14,791,595     10.35         8080
  $ 75001 - 100000     575     $48,240,502    $6,538,667     13.55         1899
  $100001 - 250000     193     $25,122,082    $4,383,666     17.45          635
  OVER $250,000         15      $9,057,093    $2,804,967     30.97           54

                    ______________________________________________________________
  TOTAL              13376    $455,932,350   $46,413,953     10.18        30061
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.2            -0.1           0.0                    0.2
  $     1  -  5000    10.3             0.8           0.1                    1.7
  $  5001 -  10000     9.0             2.0           0.6                    3.8
  $ 10001 -  15000     8.5             3.1           1.5                    5.3
  $ 15001 -  20000     7.9             4.1           2.5                    6.2
  $ 20001 -  25000     7.7             5.1           3.6                    6.9
  $ 25001 -  30000     7.5             6.1           4.6                    7.7
  $ 30001 -  35000     6.7             6.4           5.1                    7.8
  $ 35001 -  40000     6.6             7.2           6.2                    8.1
  $ 40001 -  45000     6.4             8.0           7.1                    8.6
  $ 45001 -  50000     5.7             8.0           7.2                    8.3
  $ 50001 -  75000    17.7            31.3          31.9                   26.9
  $ 75001 - 100000     4.3            10.6          14.1                    6.3
  $100001 - 250000     1.4             5.5           9.4                    2.1
  OVER $250,000        0.1             2.0           6.0                    0.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-11,929            $0                   1.71
  $     1  -  5000                  $2,606           $23                   0.37
  $  5001 -  10000                  $7,447          $221                   0.96
  $ 10001 -  15000                 $12,498          $614                   1.42
  $ 15001 -  20000                 $17,489        $1,091                   1.75
  $ 20001 -  25000                 $22,446        $1,620                   2.02
  $ 25001 -  30000                 $27,458        $2,138                   2.31
  $ 30001 -  35000                 $32,468        $2,629                   2.61
  $ 35001 -  40000                 $37,524        $3,289                   2.75
  $ 40001 -  45000                 $42,541        $3,864                   3.01
  $ 45001 -  50000                 $47,571        $4,391                   3.24
  $ 50001 -  75000                 $60,484        $6,262                   3.42
  $ 75001 - 100000                 $83,897       $11,372                   3.30
  $100001 - 250000                $130,166       $22,713                   3.29
  OVER $250,000                   $603,806      $186,998                   3.60

                    ______________________________________________________________
  TOTAL                            $34,086        $3,470                   2.25
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              16       $-253,052            $0      0.00           34
  $     1  -  5000     254        $689,619       $13,866      2.01           64
  $  5001 -  10000     183      $1,328,464       $53,284      4.01          148
  $ 10001 -  15000     138      $1,734,784       $89,415      5.15          184
  $ 15001 -  20000     104      $1,802,380       $91,960      5.10          228
  $ 20001 -  25000      76      $1,698,639       $99,964      5.88          195
  $ 25001 -  30000      86      $2,368,522      $150,236      6.34          253
  $ 30001 -  35000      80      $2,589,681      $188,915      7.29          246
  $ 35001 -  40000      58      $2,188,505      $148,593      6.79          230
  $ 40001 -  45000      81      $3,447,131      $251,706      7.30          314
  $ 45001 -  50000      80      $3,781,786      $297,528      7.87          322
  $ 50001 -  75000     262     $15,909,131    $1,444,164      9.08         1096
  $ 75001 - 100000      96      $8,286,463      $986,140     11.90          431
  OVER $100,000         70     $16,261,096    $3,547,066     21.81          309

                    ______________________________________________________________
  TOTAL               1584     $61,833,149    $7,362,837     11.91         4054
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.0            -0.4           0.0                    0.8
  $     1  -  5000    16.0             1.1           0.2                    1.6
  $  5001 -  10000    11.6             2.1           0.7                    3.7
  $ 10001 -  15000     8.7             2.8           1.2                    4.5
  $ 15001 -  20000     6.6             2.9           1.2                    5.6
  $ 20001 -  25000     4.8             2.7           1.4                    4.8
  $ 25001 -  30000     5.4             3.8           2.0                    6.2
  $ 30001 -  35000     5.1             4.2           2.6                    6.1
  $ 35001 -  40000     3.7             3.5           2.0                    5.7
  $ 40001 -  45000     5.1             5.6           3.4                    7.7
  $ 45001 -  50000     5.1             6.1           4.0                    7.9
  $ 50001 -  75000    16.5            25.7          19.6                   27.0
  $ 75001 - 100000     6.1            13.4          13.4                   10.6
  OVER $100,000        4.4            26.3          48.2                    7.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-15,816            $0                   2.13
  $     1  -  5000                  $2,715           $55                   0.25
  $  5001 -  10000                  $7,259          $291                   0.81
  $ 10001 -  15000                 $12,571          $648                   1.33
  $ 15001 -  20000                 $17,331          $884                   2.19
  $ 20001 -  25000                 $22,351        $1,315                   2.57
  $ 25001 -  30000                 $27,541        $1,747                   2.94
  $ 30001 -  35000                 $32,371        $2,361                   3.08
  $ 35001 -  40000                 $37,733        $2,562                   3.97
  $ 40001 -  45000                 $42,557        $3,107                   3.88
  $ 45001 -  50000                 $47,272        $3,719                   4.03
  $ 50001 -  75000                 $60,722        $5,512                   4.18
  $ 75001 - 100000                 $86,317       $10,272                   4.49
  OVER $100,000                   $232,301       $50,672                   4.41

                    ______________________________________________________________
  TOTAL                            $39,036        $4,648                   2.56
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              15     $-1,488,541            $0      0.00           39
  $     1  -  5000     162        $400,903          $915      0.23          126
  $  5001 -  10000     112        $837,491       $16,932      2.02          149
  $ 10001 -  15000      92      $1,154,975       $33,747      2.92          204
  $ 15001 -  20000      76      $1,332,154       $62,663      4.70          158
  $ 20001 -  25000      66      $1,488,471       $79,430      5.34          191
  $ 25001 -  30000      73      $1,975,811      $133,255      6.74          209
  $ 30001 -  35000      37      $1,186,129       $83,517      7.04          135
  $ 35001 -  40000      46      $1,722,692      $125,723      7.30          180
  $ 40001 -  45000      36      $1,521,245      $133,643      8.79          120
  $ 45001 -  50000      37      $1,766,002      $162,574      9.21          131
  $ 50001 -  75000     103      $6,019,861      $610,092     10.13          396
  $ 75001 - 100000      22      $1,872,227      $266,797     14.25           82
  OVER $100,000         17      $8,218,123    $2,695,706     32.80           56

                    ______________________________________________________________
  TOTAL                894     $28,007,543    $4,404,994     15.73         2176
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.7            -5.3           0.0                    1.8
  $     1  -  5000    18.1             1.4           0.0                    5.8
  $  5001 -  10000    12.5             3.0           0.4                    6.8
  $ 10001 -  15000    10.3             4.1           0.8                    9.4
  $ 15001 -  20000     8.5             4.8           1.4                    7.3
  $ 20001 -  25000     7.4             5.3           1.8                    8.8
  $ 25001 -  30000     8.2             7.1           3.0                    9.6
  $ 30001 -  35000     4.1             4.2           1.9                    6.2
  $ 35001 -  40000     5.1             6.2           2.9                    8.3
  $ 40001 -  45000     4.0             5.4           3.0                    5.5
  $ 45001 -  50000     4.1             6.3           3.7                    6.0
  $ 50001 -  75000    11.5            21.5          13.9                   18.2
  $ 75001 - 100000     2.5             6.7           6.1                    3.8
  OVER $100,000        1.9            29.3          61.2                    2.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-99,236            $0                   2.60
  $     1  -  5000                  $2,475            $6                   0.78
  $  5001 -  10000                  $7,478          $151                   1.33
  $ 10001 -  15000                 $12,554          $367                   2.22
  $ 15001 -  20000                 $17,528          $825                   2.08
  $ 20001 -  25000                 $22,553        $1,203                   2.89
  $ 25001 -  30000                 $27,066        $1,825                   2.86
  $ 30001 -  35000                 $32,058        $2,257                   3.65
  $ 35001 -  40000                 $37,450        $2,733                   3.91
  $ 40001 -  45000                 $42,257        $3,712                   3.33
  $ 45001 -  50000                 $47,730        $4,394                   3.54
  $ 50001 -  75000                 $58,445        $5,923                   3.84
  $ 75001 - 100000                 $85,101       $12,127                   3.73
  OVER $100,000                   $483,419      $158,571                   3.29

                    ______________________________________________________________
  TOTAL                            $31,328        $4,927                   2.43
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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             938    $-28,200,712       $80,897     -0.29         1385
  $     1  -  5000   17773     $46,808,384      $721,580      1.54        10140
  $  5001 -  10000   17789    $133,158,539    $3,858,419      2.90        19306
  $ 10001 -  15000   17332    $217,035,351   $10,799,535      4.98        25101
  $ 15001 -  20000   16865    $294,216,691   $19,319,145      6.57        27946
  $ 20001 -  25000   13651    $305,630,992   $23,923,500      7.83        24387
  $ 25001 -  30000   11239    $308,332,260   $26,481,773      8.59        21576
  $ 30001 -  35000    9254    $300,188,271   $27,369,411      9.12        19268
  $ 35001 -  40000    7993    $298,997,761   $29,375,796      9.82        17769
  $ 40001 -  45000    6602    $280,031,119   $28,820,996     10.29        15652
  $ 45001 -  50000    5634    $267,314,155   $28,313,859     10.59        14193
  $ 50001 -  75000   17714  $1,076,449,517  $123,120,026     11.44        49097
  $ 75001 - 100000    7568    $648,722,981   $89,422,393     13.78        22650
  $100001 - 250000    7591  $1,089,599,107  $196,791,680     18.06        23632
  OVER $250,000       1798  $1,242,749,226  $407,522,131     32.79         5625

                    ______________________________________________________________
  TOTAL             159741  $6,481,033,642$1,015,921,141     15.68       297727
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.4           0.0                    0.5
  $     1  -  5000    11.1             0.7           0.1                    3.4
  $  5001 -  10000    11.1             2.1           0.4                    6.5
  $ 10001 -  15000    10.9             3.3           1.1                    8.4
  $ 15001 -  20000    10.6             4.5           1.9                    9.4
  $ 20001 -  25000     8.5             4.7           2.4                    8.2
  $ 25001 -  30000     7.0             4.8           2.6                    7.2
  $ 30001 -  35000     5.8             4.6           2.7                    6.5
  $ 35001 -  40000     5.0             4.6           2.9                    6.0
  $ 40001 -  45000     4.1             4.3           2.8                    5.3
  $ 45001 -  50000     3.5             4.1           2.8                    4.8
  $ 50001 -  75000    11.1            16.6          12.1                   16.5
  $ 75001 - 100000     4.7            10.0           8.8                    7.6
  $100001 - 250000     4.8            16.8          19.4                    7.9
  OVER $250,000        1.1            19.2          40.1                    1.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-30,065           $86                   1.48
  $     1  -  5000                  $2,634           $41                   0.57
  $  5001 -  10000                  $7,485          $217                   1.09
  $ 10001 -  15000                 $12,522          $623                   1.45
  $ 15001 -  20000                 $17,445        $1,146                   1.66
  $ 20001 -  25000                 $22,389        $1,753                   1.79
  $ 25001 -  30000                 $27,434        $2,356                   1.92
  $ 30001 -  35000                 $32,439        $2,958                   2.08
  $ 35001 -  40000                 $37,407        $3,675                   2.22
  $ 40001 -  45000                 $42,416        $4,365                   2.37
  $ 45001 -  50000                 $47,447        $5,026                   2.52
  $ 50001 -  75000                 $60,768        $6,950                   2.77
  $ 75001 - 100000                 $85,719       $11,816                   2.99
  $100001 - 250000                $143,538       $25,924                   3.11
  OVER $250,000                   $691,184      $226,653                   3.13

                    ______________________________________________________________
  TOTAL                            $40,572        $6,360                   1.86
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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             207    $-20,033,381       $16,514     -0.08          404
  $     1  -  5000    6927     $17,537,163      $248,203      1.42         1736
  $  5001 -  10000    4503     $32,934,294    $1,328,028      4.03         3211
  $ 10001 -  15000    3471     $43,145,376    $2,617,585      6.07         4194
  $ 15001 -  20000    3086     $53,729,127    $3,629,907      6.76         4873
  $ 20001 -  25000    2365     $53,022,864    $4,044,402      7.63         4347
  $ 25001 -  30000    2014     $55,223,927    $4,287,669      7.76         4331
  $ 30001 -  35000    1899     $61,702,100    $4,996,228      8.10         4642
  $ 35001 -  40000    1760     $66,007,834    $5,529,294      8.38         4936
  $ 40001 -  45000    1734     $73,721,205    $6,453,988      8.75         5209
  $ 45001 -  50000    1595     $75,860,839    $6,731,718      8.87         5174
  $ 50001 -  75000    6757    $415,955,875   $41,093,041      9.88        23581
  $ 75001 - 100000    3657    $314,397,478   $39,096,268     12.44        13307
  $100001 - 250000    3394    $473,648,844   $79,901,690     16.87        12911
  OVER $250,000        526    $323,370,791   $91,441,224     28.28         1915

                    ______________________________________________________________
  TOTAL              43895  $2,040,224,336  $291,415,759     14.28        94771
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -1.0           0.0                    0.4
  $     1  -  5000    15.8             0.9           0.1                    1.8
  $  5001 -  10000    10.3             1.6           0.5                    3.4
  $ 10001 -  15000     7.9             2.1           0.9                    4.4
  $ 15001 -  20000     7.0             2.6           1.2                    5.1
  $ 20001 -  25000     5.4             2.6           1.4                    4.6
  $ 25001 -  30000     4.6             2.7           1.5                    4.6
  $ 30001 -  35000     4.3             3.0           1.7                    4.9
  $ 35001 -  40000     4.0             3.2           1.9                    5.2
  $ 40001 -  45000     4.0             3.6           2.2                    5.5
  $ 45001 -  50000     3.6             3.7           2.3                    5.5
  $ 50001 -  75000    15.4            20.4          14.1                   24.9
  $ 75001 - 100000     8.3            15.4          13.4                   14.0
  $100001 - 250000     7.7            23.2          27.4                   13.6
  OVER $250,000        1.2            15.8          31.4                    2.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-96,780           $80                   1.95
  $     1  -  5000                  $2,532           $36                   0.25
  $  5001 -  10000                  $7,314          $295                   0.71
  $ 10001 -  15000                 $12,430          $754                   1.21
  $ 15001 -  20000                 $17,411        $1,176                   1.58
  $ 20001 -  25000                 $22,420        $1,710                   1.84
  $ 25001 -  30000                 $27,420        $2,129                   2.15
  $ 30001 -  35000                 $32,492        $2,631                   2.44
  $ 35001 -  40000                 $37,504        $3,142                   2.80
  $ 40001 -  45000                 $42,515        $3,722                   3.00
  $ 45001 -  50000                 $47,562        $4,221                   3.24
  $ 50001 -  75000                 $61,559        $6,082                   3.49
  $ 75001 - 100000                 $85,971       $10,691                   3.64
  $100001 - 250000                $139,555       $23,542                   3.80
  OVER $250,000                   $614,773      $173,843                   3.64

                    ______________________________________________________________
  TOTAL                            $46,480        $6,639                   2.16
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              12       $-275,803        $3,086     -1.12           40
  $     1  -  5000     271        $712,915        $5,469      0.77           88
  $  5001 -  10000     183      $1,305,622       $53,896      4.13          153
  $ 10001 -  15000     123      $1,533,798       $67,952      4.43          199
  $ 15001 -  20000      97      $1,704,188       $95,382      5.60          203
  $ 20001 -  25000      91      $2,037,477      $103,926      5.10          241
  $ 25001 -  30000      74      $2,016,596      $128,882      6.39          205
  $ 30001 -  35000      68      $2,220,445      $139,934      6.30          214
  $ 35001 -  40000      74      $2,777,519      $175,813      6.33          271
  $ 40001 -  45000      56      $2,376,269      $165,178      6.95          225
  $ 45001 -  50000      73      $3,480,163      $275,082      7.90          278
  $ 50001 -  75000     255     $15,347,699    $1,297,652      8.46         1069
  $ 75001 - 100000      69      $5,860,342      $667,956     11.40          289
  $100001 - 250000      48      $6,407,970    $1,025,768     16.01          206
  OVER $250,000         13      $4,697,854    $1,080,008     22.99           60

                    ______________________________________________________________
  TOTAL               1507     $52,203,054    $5,285,984     10.13         3741
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.8            -0.5           0.1                    1.1
  $     1  -  5000    18.0             1.4           0.1                    2.4
  $  5001 -  10000    12.1             2.5           1.0                    4.1
  $ 10001 -  15000     8.2             2.9           1.3                    5.3
  $ 15001 -  20000     6.4             3.3           1.8                    5.4
  $ 20001 -  25000     6.0             3.9           2.0                    6.4
  $ 25001 -  30000     4.9             3.9           2.4                    5.5
  $ 30001 -  35000     4.5             4.3           2.6                    5.7
  $ 35001 -  40000     4.9             5.3           3.3                    7.2
  $ 40001 -  45000     3.7             4.6           3.1                    6.0
  $ 45001 -  50000     4.8             6.7           5.2                    7.4
  $ 50001 -  75000    16.9            29.4          24.5                   28.6
  $ 75001 - 100000     4.6            11.2          12.6                    7.7
  $100001 - 250000     3.2            12.3          19.4                    5.5
  OVER $250,000        0.9             9.0          20.4                    1.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-22,984          $257                   3.33
  $     1  -  5000                  $2,631           $20                   0.32
  $  5001 -  10000                  $7,135          $295                   0.84
  $ 10001 -  15000                 $12,470          $552                   1.62
  $ 15001 -  20000                 $17,569          $983                   2.09
  $ 20001 -  25000                 $22,390        $1,142                   2.65
  $ 25001 -  30000                 $27,251        $1,742                   2.77
  $ 30001 -  35000                 $32,654        $2,058                   3.15
  $ 35001 -  40000                 $37,534        $2,376                   3.66
  $ 40001 -  45000                 $42,433        $2,950                   4.02
  $ 45001 -  50000                 $47,673        $3,768                   3.81
  $ 50001 -  75000                 $60,187        $5,089                   4.19
  $ 75001 - 100000                 $84,932        $9,681                   4.19
  $100001 - 250000                $133,499       $21,370                   4.29
  OVER $250,000                   $361,373       $83,078                   4.62

                    ______________________________________________________________
  TOTAL                            $34,640        $3,508                   2.48
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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        169       $-144,827        $1,761     -1.22          118
  $  5001 -  10000     132        $954,207       $23,890      2.50          158
  $ 10001 -  15000     123      $1,522,457       $48,821      3.21          276
  $ 15001 -  20000     110      $1,910,041       $99,191      5.19          248
  $ 20001 -  25000      86      $1,949,610      $106,501      5.46          253
  $ 25001 -  30000     101      $2,766,160      $163,969      5.93          359
  $ 30001 -  35000     101      $3,291,233      $224,923      6.83          352
  $ 35001 -  40000      98      $3,699,400      $264,652      7.15          365
  $ 40001 -  45000      72      $3,050,842      $233,471      7.65          291
  $ 45001 -  50000      73      $3,454,151      $272,886      7.90          311
  $ 50001 -  75000     170      $9,972,913      $941,149      9.44          677
  OVER $ 75,000         43      $4,037,301      $557,371     13.81          187

                    ______________________________________________________________
  TOTAL               1278     $36,463,488    $2,938,585      8.06         3595
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       13.2            -0.4           0.1                    3.3
  $  5001 -  10000    10.3             2.6           0.8                    4.4
  $ 10001 -  15000     9.6             4.2           1.7                    7.7
  $ 15001 -  20000     8.6             5.2           3.4                    6.9
  $ 20001 -  25000     6.7             5.3           3.6                    7.0
  $ 25001 -  30000     7.9             7.6           5.6                   10.0
  $ 30001 -  35000     7.9             9.0           7.7                    9.8
  $ 35001 -  40000     7.7            10.1           9.0                   10.2
  $ 40001 -  45000     5.6             8.4           7.9                    8.1
  $ 45001 -  50000     5.7             9.5           9.3                    8.7
  $ 50001 -  75000    13.3            27.4          32.0                   18.8
  OVER $ 75,000        3.4            11.1          19.0                    5.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                      $-857           $10                   0.70
  $  5001 -  10000                  $7,229          $181                   1.20
  $ 10001 -  15000                 $12,378          $397                   2.24
  $ 15001 -  20000                 $17,364          $902                   2.25
  $ 20001 -  25000                 $22,670        $1,238                   2.94
  $ 25001 -  30000                 $27,388        $1,623                   3.55
  $ 30001 -  35000                 $32,586        $2,227                   3.49
  $ 35001 -  40000                 $37,749        $2,701                   3.72
  $ 40001 -  45000                 $42,373        $3,243                   4.04
  $ 45001 -  50000                 $47,317        $3,738                   4.26
  $ 50001 -  75000                 $58,664        $5,536                   3.98
  OVER $ 75,000                    $93,891       $12,962                   4.35

                    ______________________________________________________________
  TOTAL                            $28,532        $2,299                   2.81
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              15       $-494,477        $1,684     -0.34           35
  $     1  -  5000     403      $1,020,041        $7,895      0.77          126
  $  5001 -  10000     315      $2,297,660       $73,075      3.18          273
  $ 10001 -  15000     233      $2,916,234      $131,236      4.50          364
  $ 15001 -  20000     206      $3,603,757      $183,682      5.10          434
  $ 20001 -  25000     221      $4,983,382      $311,278      6.25          534
  $ 25001 -  30000     169      $4,630,240      $292,574      6.32          523
  $ 30001 -  35000     179      $5,821,213      $408,717      7.02          575
  $ 35001 -  40000     171      $6,425,555      $463,901      7.22          605
  $ 40001 -  45000     155      $6,574,993      $499,144      7.59          635
  $ 45001 -  50000     147      $6,997,239      $580,396      8.29          576
  $ 50001 -  75000     408     $24,363,217    $2,301,274      9.45         1581
  $ 75001 - 100000      90      $7,531,225      $917,500     12.18          376
  OVER $100,000         63     $10,246,091    $1,977,977     19.30          243

                    ______________________________________________________________
  TOTAL               2775     $86,916,370    $8,150,333      9.38         6880
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.6           0.0                    0.5
  $     1  -  5000    14.5             1.2           0.1                    1.8
  $  5001 -  10000    11.4             2.6           0.9                    4.0
  $ 10001 -  15000     8.4             3.4           1.6                    5.3
  $ 15001 -  20000     7.4             4.1           2.3                    6.3
  $ 20001 -  25000     8.0             5.7           3.8                    7.8
  $ 25001 -  30000     6.1             5.3           3.6                    7.6
  $ 30001 -  35000     6.5             6.7           5.0                    8.4
  $ 35001 -  40000     6.2             7.4           5.7                    8.8
  $ 40001 -  45000     5.6             7.6           6.1                    9.2
  $ 45001 -  50000     5.3             8.1           7.1                    8.4
  $ 50001 -  75000    14.7            28.0          28.2                   23.0
  $ 75001 - 100000     3.2             8.7          11.3                    5.5
  OVER $100,000        2.3            11.8          24.3                    3.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-32,965          $112                   2.33
  $     1  -  5000                  $2,531           $20                   0.31
  $  5001 -  10000                  $7,294          $232                   0.87
  $ 10001 -  15000                 $12,516          $563                   1.56
  $ 15001 -  20000                 $17,494          $892                   2.11
  $ 20001 -  25000                 $22,549        $1,408                   2.42
  $ 25001 -  30000                 $27,398        $1,731                   3.09
  $ 30001 -  35000                 $32,521        $2,283                   3.21
  $ 35001 -  40000                 $37,576        $2,713                   3.54
  $ 40001 -  45000                 $42,419        $3,220                   4.10
  $ 45001 -  50000                 $47,600        $3,948                   3.92
  $ 50001 -  75000                 $59,714        $5,640                   3.88
  $ 75001 - 100000                 $83,680       $10,194                   4.18
  OVER $100,000                   $162,636       $31,396                   3.86

                    ______________________________________________________________
  TOTAL                            $31,321        $2,937                   2.48
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              37     $-2,024,252          $231     -0.01           98
  $     1  -  5000    1890      $4,761,558       $47,165      0.99          367
  $  5001 -  10000    1021      $7,425,793      $341,210      4.59          562
  $ 10001 -  15000     710      $8,805,853      $546,246      6.20          800
  $ 15001 -  20000     565      $9,859,014      $700,738      7.11          828
  $ 20001 -  25000     436      $9,758,386      $677,104      6.94          876
  $ 25001 -  30000     298      $8,183,067      $586,936      7.17          710
  $ 30001 -  35000     300      $9,736,846      $736,994      7.57          810
  $ 35001 -  40000     318     $11,916,844      $848,050      7.12         1039
  $ 40001 -  45000     314     $13,358,116    $1,010,191      7.56         1073
  $ 45001 -  50000     387     $18,387,842    $1,357,752      7.38         1564
  $ 50001 -  75000    1836    $114,488,960    $9,920,825      8.67         7582
  $ 75001 - 100000    1061     $90,946,588   $10,024,363     11.02         4496
  $100001 - 250000     651     $87,097,125   $13,837,835     15.89         2751
  OVER $250,000         61     $30,464,403    $7,724,597     25.36          248

                    ______________________________________________________________
  TOTAL               9885    $423,166,143   $48,360,237     11.43        23804
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.5           0.0                    0.4
  $     1  -  5000    19.1             1.1           0.1                    1.5
  $  5001 -  10000    10.3             1.8           0.7                    2.4
  $ 10001 -  15000     7.2             2.1           1.1                    3.4
  $ 15001 -  20000     5.7             2.3           1.4                    3.5
  $ 20001 -  25000     4.4             2.3           1.4                    3.7
  $ 25001 -  30000     3.0             1.9           1.2                    3.0
  $ 30001 -  35000     3.0             2.3           1.5                    3.4
  $ 35001 -  40000     3.2             2.8           1.8                    4.4
  $ 40001 -  45000     3.2             3.2           2.1                    4.5
  $ 45001 -  50000     3.9             4.3           2.8                    6.6
  $ 50001 -  75000    18.6            27.1          20.5                   31.9
  $ 75001 - 100000    10.7            21.5          20.7                   18.9
  $100001 - 250000     6.6            20.6          28.6                   11.6
  OVER $250,000        0.6             7.2          16.0                    1.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-54,710            $6                   2.65
  $     1  -  5000                  $2,519           $25                   0.19
  $  5001 -  10000                  $7,273          $334                   0.55
  $ 10001 -  15000                 $12,403          $769                   1.13
  $ 15001 -  20000                 $17,450        $1,240                   1.47
  $ 20001 -  25000                 $22,382        $1,553                   2.01
  $ 25001 -  30000                 $27,460        $1,970                   2.38
  $ 30001 -  35000                 $32,456        $2,457                   2.70
  $ 35001 -  40000                 $37,474        $2,667                   3.27
  $ 40001 -  45000                 $42,542        $3,217                   3.42
  $ 45001 -  50000                 $47,514        $3,508                   4.04
  $ 50001 -  75000                 $62,358        $5,403                   4.13
  $ 75001 - 100000                 $85,718        $9,448                   4.24
  $100001 - 250000                $133,790       $21,256                   4.23
  OVER $250,000                   $499,416      $126,633                   4.07

                    ______________________________________________________________
  TOTAL                            $42,809        $4,892                   2.41
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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        183        $459,638        $5,837      1.27           79
  $  5001 -  10000     143      $1,045,916       $35,208      3.37          133
  $ 10001 -  15000     137      $1,696,700       $82,579      4.87          192
  $ 15001 -  20000     129      $2,239,798      $135,376      6.04          235
  $ 20001 -  25000     118      $2,652,845      $187,635      7.07          246
  $ 25001 -  30000      86      $2,355,976      $204,787      8.69          163
  $ 30001 -  35000      95      $3,100,118      $266,261      8.59          225
  $ 35001 -  40000      73      $2,746,074      $257,048      9.36          180
  $ 40001 -  45000      64      $2,724,129      $244,564      8.98          199
  $ 45001 -  50000      55      $2,626,290      $248,755      9.47          154
  $ 50001 -  75000     242     $14,936,229    $1,547,934     10.36          772
  $ 75001 - 100000     126     $10,814,830    $1,448,915     13.40          400
  OVER $100,000        101     $16,649,269    $3,500,374     21.02          335

                    ______________________________________________________________
  TOTAL               1552     $64,047,812    $8,165,273     12.75         3313
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       11.8             0.7           0.1                    2.4
  $  5001 -  10000     9.2             1.6           0.4                    4.0
  $ 10001 -  15000     8.8             2.6           1.0                    5.8
  $ 15001 -  20000     8.3             3.5           1.7                    7.1
  $ 20001 -  25000     7.6             4.1           2.3                    7.4
  $ 25001 -  30000     5.5             3.7           2.5                    4.9
  $ 30001 -  35000     6.1             4.8           3.3                    6.8
  $ 35001 -  40000     4.7             4.3           3.1                    5.4
  $ 40001 -  45000     4.1             4.3           3.0                    6.0
  $ 45001 -  50000     3.5             4.1           3.0                    4.6
  $ 50001 -  75000    15.6            23.3          19.0                   23.3
  $ 75001 - 100000     8.1            16.9          17.7                   12.1
  OVER $100,000        6.5            26.0          42.9                   10.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,512           $32                   0.43
  $  5001 -  10000                  $7,314          $246                   0.93
  $ 10001 -  15000                 $12,385          $603                   1.40
  $ 15001 -  20000                 $17,363        $1,049                   1.82
  $ 20001 -  25000                 $22,482        $1,590                   2.08
  $ 25001 -  30000                 $27,395        $2,381                   1.90
  $ 30001 -  35000                 $32,633        $2,803                   2.37
  $ 35001 -  40000                 $37,617        $3,521                   2.47
  $ 40001 -  45000                 $42,565        $3,821                   3.11
  $ 45001 -  50000                 $47,751        $4,523                   2.80
  $ 50001 -  75000                 $61,720        $6,396                   3.19
  $ 75001 - 100000                 $85,832       $11,499                   3.17
  OVER $100,000                   $164,844       $34,657                   3.32

                    ______________________________________________________________
  TOTAL                            $41,268        $5,261                   2.13
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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        136        $370,703          $654      0.18          192
  $  5001 -  10000     224      $1,662,649       $16,984      1.02          377
  $ 10001 -  15000     277      $3,471,868      $119,384      3.44          568
  $ 15001 -  20000     269      $4,658,871      $262,699      5.64          579
  $ 20001 -  25000     192      $4,263,668      $292,821      6.87          420
  $ 25001 -  30000     137      $3,741,212      $313,106      8.37          292
  $ 30001 -  35000     102      $3,274,312      $302,628      9.24          218
  $ 35001 -  40000      72      $2,688,595      $255,337      9.50          186
  $ 40001 -  45000      42      $1,755,645      $172,009      9.80          115
  $ 45001 -  50000      37      $1,751,409      $179,162     10.23          104
  OVER $ 50,000         54      $3,575,544      $450,764     12.61          150

                    ______________________________________________________________
  TOTAL               1542     $31,214,476    $2,365,548      7.58         3201
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        8.8             1.2           0.0                    6.0
  $  5001 -  10000    14.5             5.3           0.7                   11.8
  $ 10001 -  15000    18.0            11.1           5.0                   17.7
  $ 15001 -  20000    17.4            14.9          11.1                   18.1
  $ 20001 -  25000    12.5            13.7          12.4                   13.1
  $ 25001 -  30000     8.9            12.0          13.2                    9.1
  $ 30001 -  35000     6.6            10.5          12.8                    6.8
  $ 35001 -  40000     4.7             8.6          10.8                    5.8
  $ 40001 -  45000     2.7             5.6           7.3                    3.6
  $ 45001 -  50000     2.4             5.6           7.6                    3.2
  OVER $ 50,000        3.5            11.5          19.1                    4.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,726            $5                   1.41
  $  5001 -  10000                  $7,423           $76                   1.68
  $ 10001 -  15000                 $12,534          $431                   2.05
  $ 15001 -  20000                 $17,319          $977                   2.15
  $ 20001 -  25000                 $22,207        $1,525                   2.19
  $ 25001 -  30000                 $27,308        $2,285                   2.13
  $ 30001 -  35000                 $32,101        $2,967                   2.14
  $ 35001 -  40000                 $37,342        $3,546                   2.58
  $ 40001 -  45000                 $41,801        $4,095                   2.74
  $ 45001 -  50000                 $47,335        $4,842                   2.81
  OVER $ 50,000                    $66,214        $8,347                   2.78

                    ______________________________________________________________
  TOTAL                            $20,243        $1,534                   2.08
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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        172        $443,629        $3,710      0.84           36
  $  5001 -  10000     113        $840,864       $38,643      4.60           53
  $ 10001 -  15000      70        $857,498       $55,586      6.48           69
  $ 15001 -  20000      63      $1,097,132       $81,034      7.39           89
  $ 20001 -  25000      49      $1,090,138       $81,472      7.47           88
  $ 25001 -  30000      53      $1,452,906      $104,698      7.21          126
  $ 30001 -  35000      41      $1,333,267      $103,368      7.75          103
  $ 35001 -  40000      36      $1,350,870       $92,375      6.84          124
  $ 40001 -  45000      44      $1,880,953      $156,161      8.30          144
  $ 45001 -  50000      68      $3,236,025      $259,304      8.01          250
  $ 50001 -  75000     259     $15,967,459    $1,421,027      8.90         1061
  $ 75001 - 100000     112      $9,612,739    $1,149,461     11.96          471
  OVER $100,000         34      $4,973,781      $873,113     17.55          132

                    ______________________________________________________________
  TOTAL               1114     $44,137,261    $4,419,952     10.01         2746
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       15.4             1.0           0.1                    1.3
  $  5001 -  10000    10.1             1.9           0.9                    1.9
  $ 10001 -  15000     6.3             1.9           1.3                    2.5
  $ 15001 -  20000     5.7             2.5           1.8                    3.2
  $ 20001 -  25000     4.4             2.5           1.8                    3.2
  $ 25001 -  30000     4.8             3.3           2.4                    4.6
  $ 30001 -  35000     3.7             3.0           2.3                    3.8
  $ 35001 -  40000     3.2             3.1           2.1                    4.5
  $ 40001 -  45000     3.9             4.3           3.5                    5.2
  $ 45001 -  50000     6.1             7.3           5.9                    9.1
  $ 50001 -  75000    23.2            36.2          32.2                   38.6
  $ 75001 - 100000    10.1            21.8          26.0                   17.2
  OVER $100,000        3.1            11.3          19.8                    4.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,579           $22                   0.21
  $  5001 -  10000                  $7,441          $342                   0.47
  $ 10001 -  15000                 $12,250          $794                   0.99
  $ 15001 -  20000                 $17,415        $1,286                   1.41
  $ 20001 -  25000                 $22,248        $1,663                   1.80
  $ 25001 -  30000                 $27,413        $1,975                   2.38
  $ 30001 -  35000                 $32,519        $2,521                   2.51
  $ 35001 -  40000                 $37,524        $2,566                   3.44
  $ 40001 -  45000                 $42,749        $3,549                   3.27
  $ 45001 -  50000                 $47,589        $3,813                   3.68
  $ 50001 -  75000                 $61,650        $5,487                   4.10
  $ 75001 - 100000                 $85,828       $10,263                   4.21
  OVER $100,000                   $146,288       $25,680                   3.88

                    ______________________________________________________________
  TOTAL                            $39,621        $3,968                   2.46
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              50     $-1,897,252          $917     -0.05          151
  $     1  -  5000    1042      $2,743,020       $27,841      1.01          392
  $  5001 -  10000     782      $5,785,853      $206,355      3.57          761
  $ 10001 -  15000     646      $7,980,275      $351,659      4.41         1065
  $ 15001 -  20000     577     $10,046,709      $543,975      5.41         1203
  $ 20001 -  25000     527     $11,905,384      $741,190      6.23         1302
  $ 25001 -  30000     515     $14,134,274      $921,523      6.52         1498
  $ 30001 -  35000     469     $15,243,592    $1,147,030      7.52         1427
  $ 35001 -  40000     486     $18,161,964    $1,362,681      7.50         1680
  $ 40001 -  45000     494     $21,018,984    $1,626,881      7.74         1857
  $ 45001 -  50000     409     $19,478,688    $1,626,549      8.35         1538
  $ 50001 -  75000    1229     $73,883,467    $6,843,274      9.26         4914
  $ 75001 - 100000     277     $23,580,832    $2,908,644     12.33         1069
  $100001 - 250000     153     $20,662,294    $3,427,787     16.59          639
  OVER $250,000         26     $18,815,351    $5,625,005     29.90          100

                    ______________________________________________________________
  TOTAL               7682    $261,543,435   $27,361,311     10.46        19596
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.7           0.0                    0.8
  $     1  -  5000    13.6             1.0           0.1                    2.0
  $  5001 -  10000    10.2             2.2           0.8                    3.9
  $ 10001 -  15000     8.4             3.1           1.3                    5.4
  $ 15001 -  20000     7.5             3.8           2.0                    6.1
  $ 20001 -  25000     6.9             4.6           2.7                    6.6
  $ 25001 -  30000     6.7             5.4           3.4                    7.6
  $ 30001 -  35000     6.1             5.8           4.2                    7.3
  $ 35001 -  40000     6.3             6.9           5.0                    8.6
  $ 40001 -  45000     6.4             8.0           5.9                    9.5
  $ 45001 -  50000     5.3             7.4           5.9                    7.8
  $ 50001 -  75000    16.0            28.2          25.0                   25.1
  $ 75001 - 100000     3.6             9.0          10.6                    5.5
  $100001 - 250000     2.0             7.9          12.5                    3.3
  OVER $250,000        0.3             7.2          20.6                    0.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-37,945           $18                   3.02
  $     1  -  5000                  $2,632           $27                   0.38
  $  5001 -  10000                  $7,399          $264                   0.97
  $ 10001 -  15000                 $12,353          $544                   1.65
  $ 15001 -  20000                 $17,412          $943                   2.08
  $ 20001 -  25000                 $22,591        $1,406                   2.47
  $ 25001 -  30000                 $27,445        $1,789                   2.91
  $ 30001 -  35000                 $32,502        $2,446                   3.04
  $ 35001 -  40000                 $37,370        $2,804                   3.46
  $ 40001 -  45000                 $42,549        $3,293                   3.76
  $ 45001 -  50000                 $47,625        $3,977                   3.76
  $ 50001 -  75000                 $60,117        $5,568                   4.00
  $ 75001 - 100000                 $85,129       $10,501                   3.86
  $100001 - 250000                $135,048       $22,404                   4.18
  OVER $250,000                   $723,667      $216,346                   3.85

                    ______________________________________________________________
  TOTAL                            $34,046        $3,562                   2.55
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              29       $-423,418        $1,814     -0.43           67
  $     1  -  5000     925      $2,470,464       $19,650      0.80          407
  $  5001 -  10000     762      $5,690,686      $164,395      2.89          826
  $ 10001 -  15000     634      $7,873,356      $335,002      4.25         1071
  $ 15001 -  20000     543      $9,457,557      $503,863      5.33         1118
  $ 20001 -  25000     482     $10,823,605      $666,467      6.16         1193
  $ 25001 -  30000     448     $12,282,512      $865,727      7.05         1199
  $ 30001 -  35000     426     $13,839,672    $1,031,103      7.45         1263
  $ 35001 -  40000     402     $15,052,884    $1,208,956      8.03         1305
  $ 40001 -  45000     374     $15,849,188    $1,300,366      8.20         1303
  $ 45001 -  50000     316     $14,987,513    $1,244,280      8.30         1191
  $ 50001 -  75000     901     $54,511,884    $5,148,362      9.44         3426
  $ 75001 - 100000     289     $24,471,242    $2,929,273     11.97         1129
  $100001 - 250000     178     $24,326,567    $3,993,229     16.42          738
  OVER $250,000         22     $10,951,931    $3,008,243     27.47           80

                    ______________________________________________________________
  TOTAL               6731    $222,165,643   $22,420,730     10.09        16316
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.2           0.0                    0.4
  $     1  -  5000    13.7             1.1           0.1                    2.5
  $  5001 -  10000    11.3             2.6           0.7                    5.1
  $ 10001 -  15000     9.4             3.5           1.5                    6.6
  $ 15001 -  20000     8.1             4.3           2.2                    6.9
  $ 20001 -  25000     7.2             4.9           3.0                    7.3
  $ 25001 -  30000     6.7             5.5           3.9                    7.3
  $ 30001 -  35000     6.3             6.2           4.6                    7.7
  $ 35001 -  40000     6.0             6.8           5.4                    8.0
  $ 40001 -  45000     5.6             7.1           5.8                    8.0
  $ 45001 -  50000     4.7             6.7           5.5                    7.3
  $ 50001 -  75000    13.4            24.5          23.0                   21.0
  $ 75001 - 100000     4.3            11.0          13.1                    6.9
  $100001 - 250000     2.6            10.9          17.8                    4.5
  OVER $250,000        0.3             4.9          13.4                    0.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-14,601           $63                   2.31
  $     1  -  5000                  $2,671           $21                   0.44
  $  5001 -  10000                  $7,468          $216                   1.08
  $ 10001 -  15000                 $12,419          $528                   1.69
  $ 15001 -  20000                 $17,417          $928                   2.06
  $ 20001 -  25000                 $22,456        $1,383                   2.48
  $ 25001 -  30000                 $27,416        $1,932                   2.68
  $ 30001 -  35000                 $32,487        $2,420                   2.96
  $ 35001 -  40000                 $37,445        $3,007                   3.25
  $ 40001 -  45000                 $42,378        $3,477                   3.48
  $ 45001 -  50000                 $47,429        $3,938                   3.77
  $ 50001 -  75000                 $60,502        $5,714                   3.80
  $ 75001 - 100000                 $84,676       $10,136                   3.91
  $100001 - 250000                $136,666       $22,434                   4.15
  OVER $250,000                   $497,815      $136,738                   3.64

                    ______________________________________________________________
  TOTAL                            $33,006        $3,331                   2.42
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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             145     $-6,095,842        $6,114     -0.10          323
  $     1  -  5000    2190      $5,849,868       $66,945      1.14         1415
  $  5001 -  10000    2039     $15,233,154      $392,671      2.58         2613
  $ 10001 -  15000    1876     $23,427,132      $902,696      3.85         3189
  $ 15001 -  20000    1631     $28,466,626    $1,356,113      4.76         3487
  $ 20001 -  25000    1326     $29,760,310    $1,776,461      5.97         3075
  $ 25001 -  30000    1126     $30,936,717    $2,125,058      6.87         2833
  $ 30001 -  35000     936     $30,361,826    $2,214,962      7.30         2600
  $ 35001 -  40000     827     $30,949,620    $2,438,294      7.88         2443
  $ 40001 -  45000     668     $28,297,904    $2,370,583      8.38         2065
  $ 45001 -  50000     618     $29,398,077    $2,638,224      8.97         1921
  $ 50001 -  75000    1909    $115,795,620   $11,433,236      9.87         6300
  $ 75001 - 100000     645     $54,512,012    $6,808,869     12.49         2134
  $100001 - 250000     488     $69,022,875   $11,848,421     17.17         1613
  OVER $250,000        109     $55,787,728   $13,880,174     24.88          404

                    ______________________________________________________________
  TOTAL              16533    $541,703,627   $60,258,821     11.12        36415
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.9            -1.1           0.0                    0.9
  $     1  -  5000    13.2             1.1           0.1                    3.9
  $  5001 -  10000    12.3             2.8           0.7                    7.2
  $ 10001 -  15000    11.3             4.3           1.5                    8.8
  $ 15001 -  20000     9.9             5.3           2.3                    9.6
  $ 20001 -  25000     8.0             5.5           2.9                    8.4
  $ 25001 -  30000     6.8             5.7           3.5                    7.8
  $ 30001 -  35000     5.7             5.6           3.7                    7.1
  $ 35001 -  40000     5.0             5.7           4.0                    6.7
  $ 40001 -  45000     4.0             5.2           3.9                    5.7
  $ 45001 -  50000     3.7             5.4           4.4                    5.3
  $ 50001 -  75000    11.5            21.4          19.0                   17.3
  $ 75001 - 100000     3.9            10.1          11.3                    5.9
  $100001 - 250000     3.0            12.7          19.7                    4.4
  OVER $250,000        0.7            10.3          23.0                    1.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-42,040           $42                   2.23
  $     1  -  5000                  $2,671           $31                   0.65
  $  5001 -  10000                  $7,471          $193                   1.28
  $ 10001 -  15000                 $12,488          $481                   1.70
  $ 15001 -  20000                 $17,453          $831                   2.14
  $ 20001 -  25000                 $22,444        $1,340                   2.32
  $ 25001 -  30000                 $27,475        $1,887                   2.52
  $ 30001 -  35000                 $32,438        $2,366                   2.78
  $ 35001 -  40000                 $37,424        $2,948                   2.95
  $ 40001 -  45000                 $42,362        $3,549                   3.09
  $ 45001 -  50000                 $47,570        $4,269                   3.11
  $ 50001 -  75000                 $60,658        $5,989                   3.30
  $ 75001 - 100000                 $84,515       $10,556                   3.31
  $100001 - 250000                $141,440       $24,280                   3.31
  OVER $250,000                   $511,814      $127,341                   3.71

                    ______________________________________________________________
  TOTAL                            $32,765        $3,645                   2.20
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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        120        $220,141        $3,933      1.79           19
  $  5001 -  10000      51        $359,569       $14,185      3.95           34
  $ 10001 -  15000      49        $604,703       $38,033      6.29           52
  $ 15001 -  20000      48        $842,145       $57,615      6.84           73
  $ 20001 -  25000      28        $624,207       $44,686      7.16           56
  $ 25001 -  30000      31        $860,371       $62,786      7.30           74
  $ 30001 -  35000      37      $1,201,569       $97,096      8.08           90
  $ 35001 -  40000      45      $1,701,476      $131,062      7.70          144
  $ 40001 -  45000      55      $2,335,419      $174,543      7.47          196
  $ 45001 -  50000      54      $2,556,467      $220,360      8.62          184
  $ 50001 -  75000     239     $14,840,451    $1,507,338     10.16          802
  $ 75001 - 100000     104      $8,911,394    $1,115,178     12.51          378
  OVER $100,000         69     $10,609,332    $2,021,214     19.05          235

                    ______________________________________________________________
  TOTAL                930     $45,667,244    $5,488,029     12.02         2337
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       12.9             0.5           0.1                    0.8
  $  5001 -  10000     5.5             0.8           0.3                    1.5
  $ 10001 -  15000     5.3             1.3           0.7                    2.2
  $ 15001 -  20000     5.2             1.8           1.0                    3.1
  $ 20001 -  25000     3.0             1.4           0.8                    2.4
  $ 25001 -  30000     3.3             1.9           1.1                    3.2
  $ 30001 -  35000     4.0             2.6           1.8                    3.9
  $ 35001 -  40000     4.8             3.7           2.4                    6.2
  $ 40001 -  45000     5.9             5.1           3.2                    8.4
  $ 45001 -  50000     5.8             5.6           4.0                    7.9
  $ 50001 -  75000    25.7            32.5          27.5                   34.3
  $ 75001 - 100000    11.2            19.5          20.3                   16.2
  OVER $100,000        7.4            23.2          36.8                   10.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,835           $33                   0.16
  $  5001 -  10000                  $7,050          $278                   0.67
  $ 10001 -  15000                 $12,341          $776                   1.06
  $ 15001 -  20000                 $17,545        $1,200                   1.52
  $ 20001 -  25000                 $22,293        $1,596                   2.00
  $ 25001 -  30000                 $27,754        $2,025                   2.39
  $ 30001 -  35000                 $32,475        $2,624                   2.43
  $ 35001 -  40000                 $37,811        $2,912                   3.20
  $ 40001 -  45000                 $42,462        $3,174                   3.56
  $ 45001 -  50000                 $47,342        $4,081                   3.41
  $ 50001 -  75000                 $62,094        $6,307                   3.36
  $ 75001 - 100000                 $85,686       $10,723                   3.63
  OVER $100,000                   $153,758       $29,293                   3.41

                    ______________________________________________________________
  TOTAL                            $49,105        $5,901                   2.51
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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        223        $478,669        $1,699      0.35          124
  $  5001 -  10000     211      $1,564,872       $38,062      2.43          263
  $ 10001 -  15000     195      $2,430,711      $116,102      4.78          284
  $ 15001 -  20000     218      $3,810,072      $226,728      5.95          400
  $ 20001 -  25000     185      $4,224,673      $282,685      6.69          415
  $ 25001 -  30000     190      $5,207,323      $428,831      8.24          404
  $ 30001 -  35000     162      $5,279,633      $449,735      8.52          405
  $ 35001 -  40000     123      $4,603,988      $437,973      9.51          302
  $ 40001 -  45000     111      $4,707,858      $457,930      9.73          306
  $ 45001 -  50000     112      $5,316,124      $540,815     10.17          335
  $ 50001 -  75000     234     $13,907,005    $1,519,389     10.93          720
  OVER $ 75,000         44      $4,239,644      $686,292     16.19          123

                    ______________________________________________________________
  TOTAL               2008     $55,770,572    $5,186,241      9.30         4081
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       11.1             0.9           0.0                    3.0
  $  5001 -  10000    10.5             2.8           0.7                    6.4
  $ 10001 -  15000     9.7             4.4           2.2                    7.0
  $ 15001 -  20000    10.9             6.8           4.4                    9.8
  $ 20001 -  25000     9.2             7.6           5.5                   10.2
  $ 25001 -  30000     9.5             9.3           8.3                    9.9
  $ 30001 -  35000     8.1             9.5           8.7                    9.9
  $ 35001 -  40000     6.1             8.3           8.4                    7.4
  $ 40001 -  45000     5.5             8.4           8.8                    7.5
  $ 45001 -  50000     5.6             9.5          10.4                    8.2
  $ 50001 -  75000    11.7            24.9          29.3                   17.6
  OVER $ 75,000        2.2             7.6          13.2                    3.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,146            $8                   0.56
  $  5001 -  10000                  $7,416          $180                   1.25
  $ 10001 -  15000                 $12,465          $595                   1.46
  $ 15001 -  20000                 $17,477        $1,040                   1.83
  $ 20001 -  25000                 $22,836        $1,528                   2.24
  $ 25001 -  30000                 $27,407        $2,257                   2.13
  $ 30001 -  35000                 $32,590        $2,776                   2.50
  $ 35001 -  40000                 $37,431        $3,561                   2.46
  $ 40001 -  45000                 $42,413        $4,125                   2.76
  $ 45001 -  50000                 $47,465        $4,829                   2.99
  $ 50001 -  75000                 $59,432        $6,493                   3.08
  OVER $ 75,000                    $96,356       $15,598                   2.80

                    ______________________________________________________________
  TOTAL                            $27,774        $2,583                   2.03
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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        401        $891,564        $8,028      0.90          101
  $  5001 -  10000     274      $1,985,542       $71,624      3.61          205
  $ 10001 -  15000     202      $2,555,292      $142,904      5.59          280
  $ 15001 -  20000     185      $3,201,269      $198,070      6.19          328
  $ 20001 -  25000     148      $3,309,082      $228,702      6.91          309
  $ 25001 -  30000     159      $4,360,533      $310,301      7.12          410
  $ 30001 -  35000     145      $4,722,997      $335,346      7.10          433
  $ 35001 -  40000     167      $6,258,535      $481,224      7.69          555
  $ 40001 -  45000     175      $7,431,970      $576,958      7.76          659
  $ 45001 -  50000     177      $8,391,908      $677,881      8.08          692
  $ 50001 -  75000     612     $37,349,145    $3,498,037      9.37         2352
  $ 75001 - 100000     195     $16,540,767    $2,013,750     12.17          749
  OVER $100,000         89     $16,358,956    $3,687,835     22.54          324

                    ______________________________________________________________
  TOTAL               2929    $113,357,560   $12,230,660     10.79         7397
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       13.7             0.8           0.1                    1.4
  $  5001 -  10000     9.4             1.8           0.6                    2.8
  $ 10001 -  15000     6.9             2.3           1.2                    3.8
  $ 15001 -  20000     6.3             2.8           1.6                    4.4
  $ 20001 -  25000     5.1             2.9           1.9                    4.2
  $ 25001 -  30000     5.4             3.8           2.5                    5.5
  $ 30001 -  35000     5.0             4.2           2.7                    5.9
  $ 35001 -  40000     5.7             5.5           3.9                    7.5
  $ 40001 -  45000     6.0             6.6           4.7                    8.9
  $ 45001 -  50000     6.0             7.4           5.5                    9.4
  $ 50001 -  75000    20.9            32.9          28.6                   31.8
  $ 75001 - 100000     6.7            14.6          16.5                   10.1
  OVER $100,000        3.0            14.4          30.2                    4.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,223           $20                   0.25
  $  5001 -  10000                  $7,247          $261                   0.75
  $ 10001 -  15000                 $12,650          $707                   1.39
  $ 15001 -  20000                 $17,304        $1,071                   1.77
  $ 20001 -  25000                 $22,359        $1,545                   2.09
  $ 25001 -  30000                 $27,425        $1,952                   2.58
  $ 30001 -  35000                 $32,572        $2,313                   2.99
  $ 35001 -  40000                 $37,476        $2,882                   3.32
  $ 40001 -  45000                 $42,468        $3,297                   3.77
  $ 45001 -  50000                 $47,412        $3,830                   3.91
  $ 50001 -  75000                 $61,028        $5,716                   3.84
  $ 75001 - 100000                 $84,824       $10,327                   3.84
  OVER $100,000                   $183,808       $41,436                   3.64

                    ______________________________________________________________
  TOTAL                            $38,702        $4,176                   2.53
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              12       $-103,177            $0      0.00           17
  $     1  -  5000    1126      $2,894,504       $17,363      0.60          376
  $  5001 -  10000     740      $5,474,953      $173,088      3.16          698
  $ 10001 -  15000     738      $9,174,352      $471,833      5.14         1038
  $ 15001 -  20000     677     $11,853,101      $783,748      6.61         1126
  $ 20001 -  25000     558     $12,482,475      $934,284      7.48         1107
  $ 25001 -  30000     466     $12,785,559    $1,035,316      8.10         1007
  $ 30001 -  35000     420     $13,635,619    $1,124,158      8.24         1055
  $ 35001 -  40000     336     $12,592,581    $1,111,649      8.83          920
  $ 40001 -  45000     330     $13,998,583    $1,268,585      9.06          967
  $ 45001 -  50000     269     $12,740,885    $1,128,207      8.86          898
  $ 50001 -  75000     726     $43,412,462    $4,343,269     10.00         2523
  $ 75001 - 100000     199     $16,956,485    $2,251,508     13.28          703
  OVER $100,000         69     $10,378,631    $2,053,077     19.78          252

                    ______________________________________________________________
  TOTAL               6666    $178,277,013   $16,696,085      9.37        12687
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.2            -0.1           0.0                    0.1
  $     1  -  5000    16.9             1.6           0.1                    3.0
  $  5001 -  10000    11.1             3.1           1.0                    5.5
  $ 10001 -  15000    11.1             5.1           2.8                    8.2
  $ 15001 -  20000    10.2             6.6           4.7                    8.9
  $ 20001 -  25000     8.4             7.0           5.6                    8.7
  $ 25001 -  30000     7.0             7.2           6.2                    7.9
  $ 30001 -  35000     6.3             7.6           6.7                    8.3
  $ 35001 -  40000     5.0             7.1           6.7                    7.3
  $ 40001 -  45000     5.0             7.9           7.6                    7.6
  $ 45001 -  50000     4.0             7.1           6.8                    7.1
  $ 50001 -  75000    10.9            24.4          26.0                   19.9
  $ 75001 - 100000     3.0             9.5          13.5                    5.5
  OVER $100,000        1.0             5.8          12.3                    2.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-8,598            $0                   1.42
  $     1  -  5000                  $2,571           $15                   0.33
  $  5001 -  10000                  $7,399          $234                   0.94
  $ 10001 -  15000                 $12,431          $639                   1.41
  $ 15001 -  20000                 $17,508        $1,158                   1.66
  $ 20001 -  25000                 $22,370        $1,674                   1.98
  $ 25001 -  30000                 $27,437        $2,222                   2.16
  $ 30001 -  35000                 $32,466        $2,677                   2.51
  $ 35001 -  40000                 $37,478        $3,308                   2.74
  $ 40001 -  45000                 $42,420        $3,844                   2.93
  $ 45001 -  50000                 $47,364        $4,194                   3.34
  $ 50001 -  75000                 $59,797        $5,982                   3.48
  $ 75001 - 100000                 $85,208       $11,314                   3.53
  OVER $100,000                   $150,415       $29,755                   3.65

                    ______________________________________________________________
  TOTAL                            $26,744        $2,505                   1.90
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              31       $-496,340            $0      0.00           48
  $     1  -  5000     842      $2,170,441       $15,432      0.71          439
  $  5001 -  10000     677      $5,073,452      $125,967      2.48          761
  $ 10001 -  15000     669      $8,407,617      $400,470      4.76          984
  $ 15001 -  20000     714     $12,498,478      $763,958      6.11         1265
  $ 20001 -  25000     640     $14,321,217    $1,041,602      7.27         1288
  $ 25001 -  30000     568     $15,601,644    $1,258,842      8.07         1267
  $ 30001 -  35000     557     $18,121,427    $1,548,723      8.55         1399
  $ 35001 -  40000     537     $20,117,490    $1,807,905      8.99         1473
  $ 40001 -  45000     454     $19,239,883    $1,828,277      9.50         1377
  $ 45001 -  50000     374     $17,752,789    $1,788,836     10.08         1109
  $ 50001 -  75000    1185     $71,562,212    $7,777,343     10.87         3875
  $ 75001 - 100000     355     $30,065,179    $4,127,488     13.73         1208
  OVER $100,000        156     $21,635,925    $3,978,279     18.39          537

                    ______________________________________________________________
  TOTAL               7759    $256,071,414   $26,463,122     10.33        17030
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.2           0.0                    0.3
  $     1  -  5000    10.9             0.8           0.1                    2.6
  $  5001 -  10000     8.7             2.0           0.5                    4.5
  $ 10001 -  15000     8.6             3.3           1.5                    5.8
  $ 15001 -  20000     9.2             4.9           2.9                    7.4
  $ 20001 -  25000     8.2             5.6           3.9                    7.6
  $ 25001 -  30000     7.3             6.1           4.8                    7.4
  $ 30001 -  35000     7.2             7.1           5.9                    8.2
  $ 35001 -  40000     6.9             7.9           6.8                    8.6
  $ 40001 -  45000     5.9             7.5           6.9                    8.1
  $ 45001 -  50000     4.8             6.9           6.8                    6.5
  $ 50001 -  75000    15.3            27.9          29.4                   22.8
  $ 75001 - 100000     4.6            11.7          15.6                    7.1
  OVER $100,000        2.0             8.4          15.0                    3.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-16,011            $0                   1.55
  $     1  -  5000                  $2,578           $18                   0.52
  $  5001 -  10000                  $7,494          $186                   1.12
  $ 10001 -  15000                 $12,567          $599                   1.47
  $ 15001 -  20000                 $17,505        $1,070                   1.77
  $ 20001 -  25000                 $22,377        $1,628                   2.01
  $ 25001 -  30000                 $27,468        $2,216                   2.23
  $ 30001 -  35000                 $32,534        $2,780                   2.51
  $ 35001 -  40000                 $37,463        $3,367                   2.74
  $ 40001 -  45000                 $42,379        $4,027                   3.03
  $ 45001 -  50000                 $47,467        $4,783                   2.97
  $ 50001 -  75000                 $60,390        $6,563                   3.27
  $ 75001 - 100000                 $84,691       $11,627                   3.40
  OVER $100,000                   $138,692       $25,502                   3.44

                    ______________________________________________________________
  TOTAL                            $33,003        $3,411                   2.19
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              21     $-1,464,874          $105     -0.01           60
  $     1  -  5000     419      $1,088,686       $12,377      1.14          156
  $  5001 -  10000     302      $2,166,708       $67,847      3.13          269
  $ 10001 -  15000     252      $3,152,889      $134,967      4.28          440
  $ 15001 -  20000     252      $4,400,369      $223,042      5.07          535
  $ 20001 -  25000     217      $4,863,829      $317,047      6.52          508
  $ 25001 -  30000     200      $5,510,861      $385,771      7.00          588
  $ 30001 -  35000     179      $5,800,701      $438,220      7.55          561
  $ 35001 -  40000     196      $7,352,196      $617,858      8.40          609
  $ 40001 -  45000     160      $6,784,522      $542,745      8.00          650
  $ 45001 -  50000     138      $6,556,799      $588,050      8.97          517
  $ 50001 -  75000     500     $30,469,702    $3,078,812     10.10         1964
  $ 75001 - 100000     133     $11,335,119    $1,498,499     13.22          489
  OVER $100,000         73     $10,332,764    $1,864,469     18.04          263

                    ______________________________________________________________
  TOTAL               3042     $98,350,271    $9,769,809      9.93         7609
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -1.5           0.0                    0.8
  $     1  -  5000    13.8             1.1           0.1                    2.1
  $  5001 -  10000     9.9             2.2           0.7                    3.5
  $ 10001 -  15000     8.3             3.2           1.4                    5.8
  $ 15001 -  20000     8.3             4.5           2.3                    7.0
  $ 20001 -  25000     7.1             4.9           3.2                    6.7
  $ 25001 -  30000     6.6             5.6           3.9                    7.7
  $ 30001 -  35000     5.9             5.9           4.5                    7.4
  $ 35001 -  40000     6.4             7.5           6.3                    8.0
  $ 40001 -  45000     5.3             6.9           5.6                    8.5
  $ 45001 -  50000     4.5             6.7           6.0                    6.8
  $ 50001 -  75000    16.4            31.0          31.5                   25.8
  $ 75001 - 100000     4.4            11.5          15.3                    6.4
  OVER $100,000        2.4            10.5          19.1                    3.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-69,756            $5                   2.86
  $     1  -  5000                  $2,598           $30                   0.37
  $  5001 -  10000                  $7,175          $225                   0.89
  $ 10001 -  15000                 $12,511          $536                   1.75
  $ 15001 -  20000                 $17,462          $885                   2.12
  $ 20001 -  25000                 $22,414        $1,461                   2.34
  $ 25001 -  30000                 $27,554        $1,929                   2.94
  $ 30001 -  35000                 $32,406        $2,448                   3.13
  $ 35001 -  40000                 $37,511        $3,152                   3.11
  $ 40001 -  45000                 $42,403        $3,392                   4.06
  $ 45001 -  50000                 $47,513        $4,261                   3.75
  $ 50001 -  75000                 $60,939        $6,158                   3.93
  $ 75001 - 100000                 $85,226       $11,267                   3.68
  OVER $100,000                   $141,545       $25,541                   3.60

                    ______________________________________________________________
  TOTAL                            $32,331        $3,212                   2.50
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              66     $-1,927,132          $210     -0.01          151
  $     1  -  5000    1084      $2,842,729       $19,081      0.67          747
  $  5001 -  10000     806      $5,983,732      $143,740      2.40         1053
  $ 10001 -  15000     627      $7,768,436      $294,345      3.79         1179
  $ 15001 -  20000     565      $9,894,354      $476,539      4.82         1325
  $ 20001 -  25000     476     $10,739,874      $626,568      5.83         1266
  $ 25001 -  30000     400     $10,978,561      $768,869      7.00         1128
  $ 30001 -  35000     408     $13,270,380    $1,053,233      7.94         1291
  $ 35001 -  40000     374     $13,991,311    $1,170,578      8.37         1278
  $ 40001 -  45000     310     $13,149,835    $1,179,891      8.97         1093
  $ 45001 -  50000     285     $13,523,404    $1,225,017      9.06         1069
  $ 50001 -  75000     829     $49,997,470    $5,359,463     10.72         3012
  $ 75001 - 100000     244     $20,550,973    $2,881,437     14.02          861
  $100001 - 250000     120     $16,215,138    $3,173,592     19.57          394
  OVER $250,000         21      $7,464,849    $2,088,526     27.98           68

                    ______________________________________________________________
  TOTAL               6615    $194,443,914   $20,461,089     10.52        15915
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.0            -1.0           0.0                    0.9
  $     1  -  5000    16.4             1.5           0.1                    4.7
  $  5001 -  10000    12.2             3.1           0.7                    6.6
  $ 10001 -  15000     9.5             4.0           1.4                    7.4
  $ 15001 -  20000     8.5             5.1           2.3                    8.3
  $ 20001 -  25000     7.2             5.5           3.1                    8.0
  $ 25001 -  30000     6.0             5.6           3.8                    7.1
  $ 30001 -  35000     6.2             6.8           5.1                    8.1
  $ 35001 -  40000     5.7             7.2           5.7                    8.0
  $ 40001 -  45000     4.7             6.8           5.8                    6.9
  $ 45001 -  50000     4.3             7.0           6.0                    6.7
  $ 50001 -  75000    12.5            25.7          26.2                   18.9
  $ 75001 - 100000     3.7            10.6          14.1                    5.4
  $100001 - 250000     1.8             8.3          15.5                    2.5
  OVER $250,000        0.3             3.8          10.2                    0.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-29,199            $3                   2.29
  $     1  -  5000                  $2,622           $18                   0.69
  $  5001 -  10000                  $7,424          $178                   1.31
  $ 10001 -  15000                 $12,390          $469                   1.88
  $ 15001 -  20000                 $17,512          $843                   2.35
  $ 20001 -  25000                 $22,563        $1,316                   2.66
  $ 25001 -  30000                 $27,446        $1,922                   2.82
  $ 30001 -  35000                 $32,525        $2,581                   3.16
  $ 35001 -  40000                 $37,410        $3,130                   3.42
  $ 40001 -  45000                 $42,419        $3,806                   3.53
  $ 45001 -  50000                 $47,451        $4,298                   3.75
  $ 50001 -  75000                 $60,311        $6,465                   3.63
  $ 75001 - 100000                 $84,225       $11,809                   3.53
  $100001 - 250000                $135,126       $26,447                   3.28
  OVER $250,000                   $355,469       $99,454                   3.24

                    ______________________________________________________________
  TOTAL                            $29,394        $3,093                   2.41
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              21     $-1,787,594       $11,099     -0.62           60
  $     1  -  5000     305        $876,659        $4,079      0.47          204
  $  5001 -  10000     317      $2,356,679       $57,610      2.44          404
  $ 10001 -  15000     268      $3,333,437      $130,855      3.93          465
  $ 15001 -  20000     277      $4,827,753      $220,478      4.57          631
  $ 20001 -  25000     207      $4,620,221      $264,737      5.73          548
  $ 25001 -  30000     179      $4,902,924      $317,289      6.47          506
  $ 30001 -  35000     153      $4,969,791      $347,076      6.98          486
  $ 35001 -  40000     135      $5,025,250      $388,197      7.72          434
  $ 40001 -  45000      96      $4,066,828      $326,716      8.03          343
  $ 45001 -  50000      93      $4,411,474      $357,883      8.11          351
  $ 50001 -  75000     262     $15,697,321    $1,477,769      9.41          976
  $ 75001 - 100000      55      $4,703,770      $591,019     12.56          197
  OVER $100,000         46      $7,527,390    $1,287,256     17.10          163

                    ______________________________________________________________
  TOTAL               2414     $65,531,903    $5,782,063      8.82         5768
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.9            -2.7           0.2                    1.0
  $     1  -  5000    12.6             1.3           0.1                    3.5
  $  5001 -  10000    13.1             3.6           1.0                    7.0
  $ 10001 -  15000    11.1             5.1           2.3                    8.1
  $ 15001 -  20000    11.5             7.4           3.8                   10.9
  $ 20001 -  25000     8.6             7.1           4.6                    9.5
  $ 25001 -  30000     7.4             7.5           5.5                    8.8
  $ 30001 -  35000     6.3             7.6           6.0                    8.4
  $ 35001 -  40000     5.6             7.7           6.7                    7.5
  $ 40001 -  45000     4.0             6.2           5.7                    5.9
  $ 45001 -  50000     3.9             6.7           6.2                    6.1
  $ 50001 -  75000    10.9            24.0          25.6                   16.9
  $ 75001 - 100000     2.3             7.2          10.2                    3.4
  OVER $100,000        1.9            11.5          22.3                    2.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-85,124          $529                   2.86
  $     1  -  5000                  $2,874           $13                   0.67
  $  5001 -  10000                  $7,434          $182                   1.27
  $ 10001 -  15000                 $12,438          $488                   1.74
  $ 15001 -  20000                 $17,429          $796                   2.28
  $ 20001 -  25000                 $22,320        $1,279                   2.65
  $ 25001 -  30000                 $27,391        $1,773                   2.83
  $ 30001 -  35000                 $32,482        $2,268                   3.18
  $ 35001 -  40000                 $37,224        $2,876                   3.21
  $ 40001 -  45000                 $42,363        $3,403                   3.57
  $ 45001 -  50000                 $47,435        $3,848                   3.77
  $ 50001 -  75000                 $59,913        $5,640                   3.73
  $ 75001 - 100000                 $85,523       $10,746                   3.58
  OVER $100,000                   $163,639       $27,984                   3.54

                    ______________________________________________________________
  TOTAL                            $27,147        $2,395                   2.39
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      WELLINGTON UT
                        _________________________________________________
  UNDER $ 5,000        123        $228,076        $2,118      0.93           89
  $  5001 -  10000      93        $689,231       $11,788      1.71          164
  $ 10001 -  15000      74        $911,704       $40,083      4.40          122
  $ 15001 -  20000      64      $1,092,560       $54,520      4.99          143
  $ 20001 -  25000      61      $1,352,597       $89,117      6.59          141
  $ 25001 -  30000      43      $1,179,120       $88,145      7.48          114
  $ 30001 -  35000      43      $1,399,172      $115,951      8.29          119
  $ 35001 -  40000      38      $1,415,028      $128,494      9.08          116
  $ 40001 -  45000      35      $1,496,370      $135,057      9.03          117
  $ 45001 -  50000      33      $1,563,161      $153,851      9.84          111
  $ 50001 -  75000     104      $6,298,929      $692,857     11.00          373
  $ 75001 - 100000      24      $2,001,655      $275,533     13.77           92
  OVER $100,000         23      $3,499,779      $655,130     18.72           83

                    ______________________________________________________________
  TOTAL                758     $23,127,382    $2,442,644     10.56         1784
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       16.2             1.0           0.1                    5.0
  $  5001 -  10000    12.3             3.0           0.5                    9.2
  $ 10001 -  15000     9.8             3.9           1.6                    6.8
  $ 15001 -  20000     8.4             4.7           2.2                    8.0
  $ 20001 -  25000     8.0             5.8           3.6                    7.9
  $ 25001 -  30000     5.7             5.1           3.6                    6.4
  $ 30001 -  35000     5.7             6.0           4.7                    6.7
  $ 35001 -  40000     5.0             6.1           5.3                    6.5
  $ 40001 -  45000     4.6             6.5           5.5                    6.6
  $ 45001 -  50000     4.4             6.8           6.3                    6.2
  $ 50001 -  75000    13.7            27.2          28.4                   20.9
  $ 75001 - 100000     3.2             8.7          11.3                    5.2
  OVER $100,000        3.0            15.1          26.8                    4.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,854           $17                   0.72
  $  5001 -  10000                  $7,411          $127                   1.76
  $ 10001 -  15000                 $12,320          $542                   1.65
  $ 15001 -  20000                 $17,071          $852                   2.23
  $ 20001 -  25000                 $22,174        $1,461                   2.31
  $ 25001 -  30000                 $27,421        $2,050                   2.65
  $ 30001 -  35000                 $32,539        $2,697                   2.77
  $ 35001 -  40000                 $37,238        $3,381                   3.05
  $ 40001 -  45000                 $42,753        $3,859                   3.34
  $ 45001 -  50000                 $47,369        $4,662                   3.36
  $ 50001 -  75000                 $60,567        $6,662                   3.59
  $ 75001 - 100000                 $83,402       $11,481                   3.83
  OVER $100,000                   $152,164       $28,484                   3.61

                    ______________________________________________________________
  TOTAL                            $30,511        $3,222                   2.35
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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        187        $391,019        $4,431      1.13           95
  $  5001 -  10000     122        $897,203       $29,139      3.25          100
  $ 10001 -  15000     113      $1,398,725       $57,690      4.12          185
  $ 15001 -  20000      98      $1,717,340       $93,799      5.46          198
  $ 20001 -  25000      85      $1,895,821      $109,476      5.77          230
  $ 25001 -  30000      93      $2,544,898      $165,213      6.49          274
  $ 30001 -  35000      79      $2,579,784      $174,659      6.77          282
  $ 35001 -  40000      85      $3,182,620      $266,457      8.37          283
  $ 40001 -  45000      95      $4,043,536      $338,696      8.38          367
  $ 45001 -  50000      65      $3,091,220      $244,688      7.92          259
  $ 50001 -  75000     188     $11,253,560    $1,098,884      9.76          726
  $ 75001 - 100000      45      $3,744,842      $493,201     13.17          155
  $100001 - 250000      20      $2,803,895      $463,685     16.54           87

                    ______________________________________________________________
  TOTAL               1275     $39,544,463    $3,540,018      8.95         3241
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       14.7             1.0           0.1                    2.9
  $  5001 -  10000     9.6             2.3           0.8                    3.1
  $ 10001 -  15000     8.9             3.5           1.6                    5.7
  $ 15001 -  20000     7.7             4.3           2.6                    6.1
  $ 20001 -  25000     6.7             4.8           3.1                    7.1
  $ 25001 -  30000     7.3             6.4           4.7                    8.5
  $ 30001 -  35000     6.2             6.5           4.9                    8.7
  $ 35001 -  40000     6.7             8.0           7.5                    8.7
  $ 40001 -  45000     7.5            10.2           9.6                   11.3
  $ 45001 -  50000     5.1             7.8           6.9                    8.0
  $ 50001 -  75000    14.7            28.5          31.0                   22.4
  $ 75001 - 100000     3.5             9.5          13.9                    4.8
  $100001 - 250000     1.6             7.1          13.1                    2.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,091           $24                   0.51
  $  5001 -  10000                  $7,354          $239                   0.82
  $ 10001 -  15000                 $12,378          $511                   1.64
  $ 15001 -  20000                 $17,524          $957                   2.02
  $ 20001 -  25000                 $22,304        $1,288                   2.71
  $ 25001 -  30000                 $27,364        $1,776                   2.95
  $ 30001 -  35000                 $32,655        $2,211                   3.57
  $ 35001 -  40000                 $37,443        $3,135                   3.33
  $ 40001 -  45000                 $42,564        $3,565                   3.86
  $ 45001 -  50000                 $47,557        $3,764                   3.98
  $ 50001 -  75000                 $59,859        $5,845                   3.86
  $ 75001 - 100000                 $83,219       $10,960                   3.44
  $100001 - 250000                $140,195       $23,184                   4.35

                    ______________________________________________________________
  TOTAL                            $31,015        $2,776                   2.54
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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         88        $223,825          $847      0.38           80
  $  5001 -  10000     127        $938,201       $16,587      1.77          209
  $ 10001 -  15000     157      $1,973,997       $66,987      3.39          346
  $ 15001 -  20000     142      $2,452,439      $116,685      4.76          355
  $ 20001 -  25000     111      $2,499,735      $158,283      6.33          300
  $ 25001 -  30000      77      $2,121,895      $146,854      6.92          246
  $ 30001 -  35000      59      $1,907,226      $151,204      7.93          195
  $ 35001 -  40000      47      $1,765,310      $169,631      9.61          148
  $ 40001 -  45000      26      $1,103,702       $98,727      8.95           93
  $ 45001 -  50000      19        $909,368      $104,378     11.48           61
  $ 50001 -  75000      56      $3,454,660      $422,306     12.22          176
  OVER $ 75,000         17      $1,971,541      $377,091     19.13           50

                    ______________________________________________________________
  TOTAL                926     $21,321,899    $1,829,580      8.58         2259
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        9.5             1.0           0.0                    3.5
  $  5001 -  10000    13.7             4.4           0.9                    9.3
  $ 10001 -  15000    17.0             9.3           3.7                   15.3
  $ 15001 -  20000    15.3            11.5           6.4                   15.7
  $ 20001 -  25000    12.0            11.7           8.7                   13.3
  $ 25001 -  30000     8.3            10.0           8.0                   10.9
  $ 30001 -  35000     6.4             8.9           8.3                    8.6
  $ 35001 -  40000     5.1             8.3           9.3                    6.6
  $ 40001 -  45000     2.8             5.2           5.4                    4.1
  $ 45001 -  50000     2.1             4.3           5.7                    2.7
  $ 50001 -  75000     6.0            16.2          23.1                    7.8
  OVER $ 75,000        1.8             9.2          20.6                    2.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,543           $10                   0.91
  $  5001 -  10000                  $7,387          $131                   1.65
  $ 10001 -  15000                 $12,573          $427                   2.20
  $ 15001 -  20000                 $17,271          $822                   2.50
  $ 20001 -  25000                 $22,520        $1,426                   2.70
  $ 25001 -  30000                 $27,557        $1,907                   3.19
  $ 30001 -  35000                 $32,326        $2,563                   3.31
  $ 35001 -  40000                 $37,560        $3,609                   3.15
  $ 40001 -  45000                 $42,450        $3,797                   3.58
  $ 45001 -  50000                 $47,861        $5,494                   3.21
  $ 50001 -  75000                 $61,690        $7,541                   3.14
  OVER $ 75,000                   $115,973       $22,182                   2.94

                    ______________________________________________________________
  TOTAL                            $23,026        $1,976                   2.44
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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        294        $620,260        $9,127      1.47           77
  $  5001 -  10000     210      $1,527,855       $66,468      4.35          114
  $ 10001 -  15000     161      $2,002,427      $122,181      6.10          184
  $ 15001 -  20000     113      $1,954,745      $140,554      7.19          168
  $ 20001 -  25000      95      $2,123,538      $162,813      7.67          187
  $ 25001 -  30000      73      $1,995,910      $126,691      6.35          215
  $ 30001 -  35000      72      $2,333,539      $159,841      6.85          207
  $ 35001 -  40000      87      $3,265,100      $248,460      7.61          284
  $ 40001 -  45000      84      $3,570,120      $294,105      8.24          288
  $ 45001 -  50000      84      $3,961,055      $307,710      7.77          340
  $ 50001 -  75000     319     $19,540,457    $1,827,203      9.35         1218
  $ 75001 - 100000     112      $9,398,473    $1,199,010     12.76          426
  OVER $100,000         44      $6,390,755    $1,220,491     19.10          177

                    ______________________________________________________________
  TOTAL               1748     $58,684,234    $5,884,654     10.03         3885
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       16.8             1.1           0.2                    2.0
  $  5001 -  10000    12.0             2.6           1.1                    2.9
  $ 10001 -  15000     9.2             3.4           2.1                    4.7
  $ 15001 -  20000     6.5             3.3           2.4                    4.3
  $ 20001 -  25000     5.4             3.6           2.8                    4.8
  $ 25001 -  30000     4.2             3.4           2.2                    5.5
  $ 30001 -  35000     4.1             4.0           2.7                    5.3
  $ 35001 -  40000     5.0             5.6           4.2                    7.3
  $ 40001 -  45000     4.8             6.1           5.0                    7.4
  $ 45001 -  50000     4.8             6.7           5.2                    8.8
  $ 50001 -  75000    18.2            33.3          31.1                   31.4
  $ 75001 - 100000     6.4            16.0          20.4                   11.0
  OVER $100,000        2.5            10.9          20.7                    4.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,110           $31                   0.26
  $  5001 -  10000                  $7,276          $317                   0.54
  $ 10001 -  15000                 $12,437          $759                   1.14
  $ 15001 -  20000                 $17,299        $1,244                   1.49
  $ 20001 -  25000                 $22,353        $1,714                   1.97
  $ 25001 -  30000                 $27,341        $1,735                   2.95
  $ 30001 -  35000                 $32,410        $2,220                   2.88
  $ 35001 -  40000                 $37,530        $2,856                   3.26
  $ 40001 -  45000                 $42,501        $3,501                   3.43
  $ 45001 -  50000                 $47,155        $3,663                   4.05
  $ 50001 -  75000                 $61,255        $5,728                   3.82
  $ 75001 - 100000                 $83,915       $10,705                   3.80
  OVER $100,000                   $145,244       $27,738                   4.02

                    ______________________________________________________________
  TOTAL                            $33,572        $3,367                   2.22
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              73     $-1,190,132        $2,985     -0.25          154
  $     1  -  5000    3479      $9,128,759       $69,109      0.76         1209
  $  5001 -  10000    2678     $19,768,411      $687,670      3.48         2435
  $ 10001 -  15000    2253     $28,230,684    $1,456,542      5.16         3288
  $ 15001 -  20000    2351     $40,887,635    $2,514,118      6.15         4346
  $ 20001 -  25000    1938     $43,429,241    $2,965,556      6.83         4271
  $ 25001 -  30000    1689     $46,501,959    $3,240,115      6.97         4428
  $ 30001 -  35000    1635     $53,125,950    $3,919,757      7.38         4790
  $ 35001 -  40000    1719     $64,457,863    $5,017,591      7.78         5430
  $ 40001 -  45000    1664     $70,729,147    $5,677,194      8.03         5667
  $ 45001 -  50000    1562     $74,024,976    $6,223,288      8.41         5638
  $ 50001 -  75000    5474    $331,474,465   $31,153,951      9.40        20588
  $ 75001 - 100000    1437    $121,414,083   $15,049,608     12.40         5423
  $100001 - 250000     486     $62,865,316   $10,836,388     17.24         1753
  OVER $250,000         28     $15,069,140    $4,389,656     29.13           92

                    ______________________________________________________________
  TOTAL              28466    $979,917,497   $93,203,528      9.51        69512
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.3            -0.1           0.0                    0.2
  $     1  -  5000    12.2             0.9           0.1                    1.7
  $  5001 -  10000     9.4             2.0           0.7                    3.5
  $ 10001 -  15000     7.9             2.9           1.6                    4.7
  $ 15001 -  20000     8.3             4.2           2.7                    6.3
  $ 20001 -  25000     6.8             4.4           3.2                    6.1
  $ 25001 -  30000     5.9             4.7           3.5                    6.4
  $ 30001 -  35000     5.7             5.4           4.2                    6.9
  $ 35001 -  40000     6.0             6.6           5.4                    7.8
  $ 40001 -  45000     5.8             7.2           6.1                    8.2
  $ 45001 -  50000     5.5             7.6           6.7                    8.1
  $ 50001 -  75000    19.2            33.8          33.4                   29.6
  $ 75001 - 100000     5.0            12.4          16.1                    7.8
  $100001 - 250000     1.7             6.4          11.6                    2.5
  OVER $250,000        0.1             1.5           4.7                    0.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-16,303           $41                   2.11
  $     1  -  5000                  $2,624           $20                   0.35
  $  5001 -  10000                  $7,382          $257                   0.91
  $ 10001 -  15000                 $12,530          $646                   1.46
  $ 15001 -  20000                 $17,392        $1,069                   1.85
  $ 20001 -  25000                 $22,409        $1,530                   2.20
  $ 25001 -  30000                 $27,532        $1,918                   2.62
  $ 30001 -  35000                 $32,493        $2,397                   2.93
  $ 35001 -  40000                 $37,497        $2,919                   3.16
  $ 40001 -  45000                 $42,505        $3,412                   3.41
  $ 45001 -  50000                 $47,391        $3,984                   3.61
  $ 50001 -  75000                 $60,554        $5,691                   3.76
  $ 75001 - 100000                 $84,491       $10,473                   3.77
  $100001 - 250000                $129,353       $22,297                   3.61
  OVER $250,000                   $538,184      $156,773                   3.29

                    ______________________________________________________________
  TOTAL                            $34,424        $3,274                   2.44
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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        302        $604,419        $5,728      0.95           94
  $  5001 -  10000     171      $1,273,099       $50,007      3.93          121
  $ 10001 -  15000     139      $1,748,925      $104,118      5.95          158
  $ 15001 -  20000     109      $1,903,815      $113,549      5.96          203
  $ 20001 -  25000     104      $2,342,733      $160,788      6.86          212
  $ 25001 -  30000      80      $2,212,061      $158,567      7.17          201
  $ 30001 -  35000      95      $3,080,601      $226,628      7.36          265
  $ 35001 -  40000     104      $3,916,398      $299,996      7.66          345
  $ 40001 -  45000     122      $5,190,041      $412,111      7.94          422
  $ 45001 -  50000     101      $4,810,081      $367,807      7.65          413
  $ 50001 -  75000     434     $26,115,875    $2,432,362      9.31         1719
  $ 75001 - 100000     150     $12,817,866    $1,631,203     12.73          536
  OVER $100,000         67     $13,719,419    $3,300,667     24.06          256

                    ______________________________________________________________
  TOTAL               1978     $79,735,333    $9,263,531     11.62         4945
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       15.3             0.8           0.1                    1.9
  $  5001 -  10000     8.6             1.6           0.5                    2.4
  $ 10001 -  15000     7.0             2.2           1.1                    3.2
  $ 15001 -  20000     5.5             2.4           1.2                    4.1
  $ 20001 -  25000     5.3             2.9           1.7                    4.3
  $ 25001 -  30000     4.0             2.8           1.7                    4.1
  $ 30001 -  35000     4.8             3.9           2.4                    5.4
  $ 35001 -  40000     5.3             4.9           3.2                    7.0
  $ 40001 -  45000     6.2             6.5           4.4                    8.5
  $ 45001 -  50000     5.1             6.0           4.0                    8.4
  $ 50001 -  75000    21.9            32.8          26.3                   34.8
  $ 75001 - 100000     7.6            16.1          17.6                   10.8
  OVER $100,000        3.4            17.2          35.6                    5.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,001           $19                   0.31
  $  5001 -  10000                  $7,445          $292                   0.71
  $ 10001 -  15000                 $12,582          $749                   1.14
  $ 15001 -  20000                 $17,466        $1,042                   1.86
  $ 20001 -  25000                 $22,526        $1,546                   2.04
  $ 25001 -  30000                 $27,651        $1,982                   2.51
  $ 30001 -  35000                 $32,427        $2,386                   2.79
  $ 35001 -  40000                 $37,658        $2,885                   3.32
  $ 40001 -  45000                 $42,541        $3,378                   3.46
  $ 45001 -  50000                 $47,625        $3,642                   4.09
  $ 50001 -  75000                 $60,175        $5,605                   3.96
  $ 75001 - 100000                 $85,452       $10,875                   3.57
  OVER $100,000                   $204,767       $49,264                   3.82

                    ______________________________________________________________
  TOTAL                            $40,311        $4,683                   2.50
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              88     $-1,322,820        $5,780     -0.44          145
  $     1  -  5000    4170     $11,099,016       $47,474      0.43         2490
  $  5001 -  10000    3911     $29,144,427      $768,006      2.64         4659
  $ 10001 -  15000    3970     $49,897,294    $2,267,247      4.54         6546
  $ 15001 -  20000    4215     $73,734,766    $4,563,354      6.19         7921
  $ 20001 -  25000    3426     $76,777,730    $5,527,879      7.20         7298
  $ 25001 -  30000    2818     $77,290,642    $5,928,872      7.67         6796
  $ 30001 -  35000    2470     $80,230,362    $6,519,637      8.13         6754
  $ 35001 -  40000    2232     $83,748,113    $7,107,199      8.49         6622
  $ 40001 -  45000    1929     $81,861,299    $7,190,515      8.78         6179
  $ 45001 -  50000    1631     $77,416,962    $7,104,465      9.18         5387
  $ 50001 -  75000    4531    $270,383,414   $27,590,169     10.20        15715
  $ 75001 - 100000     769     $64,230,589    $8,584,222     13.36         2706
  $100001 - 250000     235     $29,947,089    $5,355,836     17.88          794
  OVER $250,000         19     $17,067,210    $4,851,616     28.43           57

                    ______________________________________________________________
  TOTAL              36414  $1,021,506,093   $93,412,271      9.14        80069
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.2            -0.1           0.0                    0.2
  $     1  -  5000    11.5             1.1           0.1                    3.1
  $  5001 -  10000    10.7             2.9           0.8                    5.8
  $ 10001 -  15000    10.9             4.9           2.4                    8.2
  $ 15001 -  20000    11.6             7.2           4.9                    9.9
  $ 20001 -  25000     9.4             7.5           5.9                    9.1
  $ 25001 -  30000     7.7             7.6           6.3                    8.5
  $ 30001 -  35000     6.8             7.9           7.0                    8.4
  $ 35001 -  40000     6.1             8.2           7.6                    8.3
  $ 40001 -  45000     5.3             8.0           7.7                    7.7
  $ 45001 -  50000     4.5             7.6           7.6                    6.7
  $ 50001 -  75000    12.4            26.5          29.5                   19.6
  $ 75001 - 100000     2.1             6.3           9.2                    3.4
  $100001 - 250000     0.6             2.9           5.7                    1.0
  OVER $250,000        0.1             1.7           5.2                    0.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-15,032           $66                   1.65
  $     1  -  5000                  $2,662           $11                   0.60
  $  5001 -  10000                  $7,452          $196                   1.19
  $ 10001 -  15000                 $12,569          $571                   1.65
  $ 15001 -  20000                 $17,493        $1,083                   1.88
  $ 20001 -  25000                 $22,410        $1,614                   2.13
  $ 25001 -  30000                 $27,427        $2,104                   2.41
  $ 30001 -  35000                 $32,482        $2,640                   2.73
  $ 35001 -  40000                 $37,522        $3,184                   2.97
  $ 40001 -  45000                 $42,437        $3,728                   3.20
  $ 45001 -  50000                 $47,466        $4,356                   3.30
  $ 50001 -  75000                 $59,674        $6,089                   3.47
  $ 75001 - 100000                 $83,525       $11,163                   3.52
  $100001 - 250000                $127,434       $22,791                   3.38
  OVER $250,000                   $898,274      $255,348                   3.00

                    ______________________________________________________________
  TOTAL                            $28,053        $2,565                   2.20
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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        122        $270,849        $1,880      0.69           70
  $  5001 -  10000      98        $735,267       $16,624      2.26          137
  $ 10001 -  15000      96      $1,219,056       $50,465      4.14          158
  $ 15001 -  20000      83      $1,449,858       $81,784      5.64          164
  $ 20001 -  25000      76      $1,701,646      $116,055      6.82          170
  $ 25001 -  30000      61      $1,658,175      $122,668      7.40          143
  $ 30001 -  35000      54      $1,767,175      $152,798      8.65          118
  $ 35001 -  40000      47      $1,773,655      $147,918      8.34          144
  $ 40001 -  45000      36      $1,535,255      $152,716      9.95          100
  $ 45001 -  50000      37      $1,755,189      $169,080      9.63          121
  $ 50001 -  75000     168     $10,233,933    $1,098,622     10.74          597
  $ 75001 - 100000      32      $2,742,236      $368,928     13.45          108
  OVER $100,000         14      $2,606,780      $557,212     21.38           43

                    ______________________________________________________________
  TOTAL                924     $29,449,074    $3,036,750     10.31         2073
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       13.2             0.9           0.1                    3.4
  $  5001 -  10000    10.6             2.5           0.5                    6.6
  $ 10001 -  15000    10.4             4.1           1.7                    7.6
  $ 15001 -  20000     9.0             4.9           2.7                    7.9
  $ 20001 -  25000     8.2             5.8           3.8                    8.2
  $ 25001 -  30000     6.6             5.6           4.0                    6.9
  $ 30001 -  35000     5.8             6.0           5.0                    5.7
  $ 35001 -  40000     5.1             6.0           4.9                    6.9
  $ 40001 -  45000     3.9             5.2           5.0                    4.8
  $ 45001 -  50000     4.0             6.0           5.6                    5.8
  $ 50001 -  75000    18.2            34.8          36.2                   28.8
  $ 75001 - 100000     3.5             9.3          12.1                    5.2
  OVER $100,000        1.5             8.9          18.3                    2.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,220           $15                   0.57
  $  5001 -  10000                  $7,503          $170                   1.40
  $ 10001 -  15000                 $12,699          $526                   1.65
  $ 15001 -  20000                 $17,468          $985                   1.98
  $ 20001 -  25000                 $22,390        $1,527                   2.24
  $ 25001 -  30000                 $27,183        $2,011                   2.34
  $ 30001 -  35000                 $32,725        $2,830                   2.19
  $ 35001 -  40000                 $37,737        $3,147                   3.06
  $ 40001 -  45000                 $42,646        $4,242                   2.78
  $ 45001 -  50000                 $47,438        $4,570                   3.27
  $ 50001 -  75000                 $60,916        $6,539                   3.55
  $ 75001 - 100000                 $85,695       $11,529                   3.38
  OVER $100,000                   $186,199       $39,801                   3.07

                    ______________________________________________________________
  TOTAL                            $31,871        $3,287                   2.24
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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        307        $742,638        $3,569      0.48          105
  $  5001 -  10000     236      $1,752,663       $59,125      3.37          200
  $ 10001 -  15000     186      $2,298,822      $109,208      4.75          268
  $ 15001 -  20000     154      $2,709,104      $183,483      6.77          260
  $ 20001 -  25000     172      $3,907,639      $280,558      7.18          360
  $ 25001 -  30000     127      $3,501,270      $260,237      7.43          328
  $ 30001 -  35000     125      $4,080,816      $326,999      8.01          336
  $ 35001 -  40000     120      $4,473,939      $386,008      8.63          359
  $ 40001 -  45000     122      $5,177,358      $463,280      8.95          374
  $ 45001 -  50000     122      $5,797,326      $503,019      8.68          419
  $ 50001 -  75000     379     $22,956,446    $2,233,606      9.73         1427
  $ 75001 - 100000      95      $8,016,369    $1,008,670     12.58          363
  OVER $100,000         42      $7,555,886    $1,611,395     21.33          150

                    ______________________________________________________________
  TOTAL               2187     $72,970,276    $7,429,157     10.18         4949
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       14.0             1.0           0.0                    2.1
  $  5001 -  10000    10.8             2.4           0.8                    4.0
  $ 10001 -  15000     8.5             3.2           1.5                    5.4
  $ 15001 -  20000     7.0             3.7           2.5                    5.3
  $ 20001 -  25000     7.9             5.4           3.8                    7.3
  $ 25001 -  30000     5.8             4.8           3.5                    6.6
  $ 30001 -  35000     5.7             5.6           4.4                    6.8
  $ 35001 -  40000     5.5             6.1           5.2                    7.3
  $ 40001 -  45000     5.6             7.1           6.2                    7.6
  $ 45001 -  50000     5.6             7.9           6.8                    8.5
  $ 50001 -  75000    17.3            31.5          30.1                   28.8
  $ 75001 - 100000     4.3            11.0          13.6                    7.3
  OVER $100,000        1.9            10.4          21.7                    3.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,419           $12                   0.34
  $  5001 -  10000                  $7,427          $251                   0.85
  $ 10001 -  15000                 $12,359          $587                   1.44
  $ 15001 -  20000                 $17,592        $1,191                   1.69
  $ 20001 -  25000                 $22,719        $1,631                   2.09
  $ 25001 -  30000                 $27,569        $2,049                   2.58
  $ 30001 -  35000                 $32,647        $2,616                   2.69
  $ 35001 -  40000                 $37,283        $3,217                   2.99
  $ 40001 -  45000                 $42,437        $3,797                   3.07
  $ 45001 -  50000                 $47,519        $4,123                   3.43
  $ 50001 -  75000                 $60,571        $5,893                   3.77
  $ 75001 - 100000                 $84,383       $10,618                   3.82
  OVER $100,000                   $179,902       $38,367                   3.57

                    ______________________________________________________________
  TOTAL                            $33,365        $3,397                   2.26
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION