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 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              10       $-563,747        $2,533     -0.45           37
  $     1  -  5000      72        $190,041        $2,319      1.22           38
  $  5001 -  10000      72        $533,860       $12,429      2.33           97
  $ 10001 -  15000      73        $919,881       $32,266      3.51          132
  $ 15001 -  20000      59      $1,025,126       $47,548      4.64          129
  $ 20001 -  25000      49      $1,101,226       $62,270      5.65          131
  $ 25001 -  30000      50      $1,360,377       $76,214      5.60          156
  $ 30001 -  35000      49      $1,598,532      $113,772      7.12          163
  $ 35001 -  40000      58      $2,191,259      $143,743      6.56          211
  $ 40001 -  45000      50      $2,134,847      $173,932      8.15          171
  $ 45001 -  50000      64      $3,048,156      $246,418      8.08          232
  $ 50001 -  75000     253     $15,624,550    $1,253,914      8.03         1123
  $ 75001 - 100000     208     $17,982,921    $1,731,412      9.63          998
  $100001 - 250000     226     $31,460,342    $4,403,979     14.00         1173
  OVER $250,000         42     $23,200,185    $5,600,369     24.14          214

                    ______________________________________________________________
  TOTAL               1335    $101,807,556   $13,903,118     13.66         5005
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.6           0.0                    0.7
  $     1  -  5000     5.4             0.2           0.0                    0.8
  $  5001 -  10000     5.4             0.5           0.1                    1.9
  $ 10001 -  15000     5.5             0.9           0.2                    2.6
  $ 15001 -  20000     4.4             1.0           0.3                    2.6
  $ 20001 -  25000     3.7             1.1           0.4                    2.6
  $ 25001 -  30000     3.7             1.3           0.5                    3.1
  $ 30001 -  35000     3.7             1.6           0.8                    3.3
  $ 35001 -  40000     4.3             2.2           1.0                    4.2
  $ 40001 -  45000     3.7             2.1           1.3                    3.4
  $ 45001 -  50000     4.8             3.0           1.8                    4.6
  $ 50001 -  75000    19.0            15.3           9.0                   22.4
  $ 75001 - 100000    15.6            17.7          12.5                   19.9
  $100001 - 250000    16.9            30.9          31.7                   23.4
  OVER $250,000        3.1            22.8          40.3                    4.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-56,375          $253                   3.70
  $     1  -  5000                  $2,639           $32                   0.53
  $  5001 -  10000                  $7,415          $173                   1.35
  $ 10001 -  15000                 $12,601          $442                   1.81
  $ 15001 -  20000                 $17,375          $806                   2.19
  $ 20001 -  25000                 $22,474        $1,271                   2.67
  $ 25001 -  30000                 $27,208        $1,524                   3.12
  $ 30001 -  35000                 $32,623        $2,322                   3.33
  $ 35001 -  40000                 $37,780        $2,478                   3.64
  $ 40001 -  45000                 $42,697        $3,479                   3.42
  $ 45001 -  50000                 $47,627        $3,850                   3.63
  $ 50001 -  75000                 $61,757        $4,956                   4.44
  $ 75001 - 100000                 $86,456        $8,324                   4.80
  $100001 - 250000                $139,205       $19,487                   5.19
  OVER $250,000                   $552,385      $133,342                   5.10

                    ______________________________________________________________
  TOTAL                            $76,260       $10,414                   3.75
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              25       $-758,576        $9,149     -1.21           64
  $     1  -  5000     223        $642,972        $4,233      0.66          228
  $  5001 -  10000     340      $2,624,827       $45,570      1.74          520
  $ 10001 -  15000     436      $5,446,934      $160,431      2.95          871
  $ 15001 -  20000     447      $7,836,723      $367,048      4.68         1030
  $ 20001 -  25000     438      $9,807,813      $542,993      5.54         1174
  $ 25001 -  30000     364     $10,016,227      $630,835      6.30         1060
  $ 30001 -  35000     374     $12,155,798      $854,669      7.03         1180
  $ 35001 -  40000     392     $14,739,657    $1,097,817      7.45         1374
  $ 40001 -  45000     364     $15,445,363    $1,161,488      7.52         1361
  $ 45001 -  50000     339     $16,069,892    $1,285,343      8.00         1313
  $ 50001 -  75000    1303     $79,080,164    $6,754,185      8.54         5612
  $ 75001 - 100000     511     $43,417,958    $4,697,784     10.82         2330
  $100001 - 250000     305     $40,221,311    $5,658,141     14.07         1543
  OVER $250,000         33     $23,110,262    $5,700,957     24.67          155

                    ______________________________________________________________
  TOTAL               5894    $279,857,325   $28,970,643     10.35        19815
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.3           0.0                    0.3
  $     1  -  5000     3.8             0.2           0.0                    1.2
  $  5001 -  10000     5.8             0.9           0.2                    2.6
  $ 10001 -  15000     7.4             1.9           0.6                    4.4
  $ 15001 -  20000     7.6             2.8           1.3                    5.2
  $ 20001 -  25000     7.4             3.5           1.9                    5.9
  $ 25001 -  30000     6.2             3.6           2.2                    5.3
  $ 30001 -  35000     6.3             4.3           3.0                    6.0
  $ 35001 -  40000     6.7             5.3           3.8                    6.9
  $ 40001 -  45000     6.2             5.5           4.0                    6.9
  $ 45001 -  50000     5.8             5.7           4.4                    6.6
  $ 50001 -  75000    22.1            28.3          23.3                   28.3
  $ 75001 - 100000     8.7            15.5          16.2                   11.8
  $100001 - 250000     5.2            14.4          19.5                    7.8
  OVER $250,000        0.6             8.3          19.7                    0.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-30,343          $366                   2.56
  $     1  -  5000                  $2,883           $19                   1.02
  $  5001 -  10000                  $7,720          $134                   1.53
  $ 10001 -  15000                 $12,493          $368                   2.00
  $ 15001 -  20000                 $17,532          $821                   2.30
  $ 20001 -  25000                 $22,392        $1,240                   2.68
  $ 25001 -  30000                 $27,517        $1,733                   2.91
  $ 30001 -  35000                 $32,502        $2,285                   3.16
  $ 35001 -  40000                 $37,601        $2,801                   3.51
  $ 40001 -  45000                 $42,432        $3,191                   3.74
  $ 45001 -  50000                 $47,404        $3,792                   3.87
  $ 50001 -  75000                 $60,691        $5,184                   4.31
  $ 75001 - 100000                 $84,967        $9,193                   4.56
  $100001 - 250000                $131,873       $18,551                   5.06
  OVER $250,000                   $700,311      $172,756                   4.70

                    ______________________________________________________________
  TOTAL                            $47,482        $4,915                   3.36
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              25     $-1,594,586        $1,401     -0.09           82
  $     1  -  5000      92        $254,445       $18,449      7.25           94
  $  5001 -  10000     116        $865,271       $14,272      1.65          179
  $ 10001 -  15000     120      $1,477,943       $38,903      2.63          236
  $ 15001 -  20000     126      $2,194,618       $94,107      4.29          300
  $ 20001 -  25000      94      $2,108,394      $101,936      4.83          286
  $ 25001 -  30000      76      $2,098,822      $122,977      5.86          269
  $ 30001 -  35000      66      $2,145,058      $147,418      6.87          224
  $ 35001 -  40000      51      $1,910,662      $136,178      7.13          185
  $ 40001 -  45000      43      $1,822,697      $152,644      8.37          145
  $ 45001 -  50000      36      $1,697,289      $138,238      8.14          143
  $ 50001 -  75000     123      $7,491,109      $733,706      9.79          461
  $ 75001 - 100000      27      $2,300,018      $258,126     11.22          117
  OVER $100,000         13      $1,896,228      $317,179     16.73           68

                    ______________________________________________________________
  TOTAL               1008     $26,667,968    $2,275,534      8.53         2789
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             2.5            -6.0           0.1                    2.9
  $     1  -  5000     9.1             1.0           0.8                    3.4
  $  5001 -  10000    11.5             3.2           0.6                    6.4
  $ 10001 -  15000    11.9             5.5           1.7                    8.5
  $ 15001 -  20000    12.5             8.2           4.1                   10.8
  $ 20001 -  25000     9.3             7.9           4.5                   10.3
  $ 25001 -  30000     7.5             7.9           5.4                    9.6
  $ 30001 -  35000     6.5             8.0           6.5                    8.0
  $ 35001 -  40000     5.1             7.2           6.0                    6.6
  $ 40001 -  45000     4.3             6.8           6.7                    5.2
  $ 45001 -  50000     3.6             6.4           6.1                    5.1
  $ 50001 -  75000    12.2            28.1          32.2                   16.5
  $ 75001 - 100000     2.7             8.6          11.3                    4.2
  OVER $100,000        1.3             7.1          13.9                    2.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-63,783           $56                   3.28
  $     1  -  5000                  $2,766          $201                   1.02
  $  5001 -  10000                  $7,459          $123                   1.54
  $ 10001 -  15000                 $12,316          $324                   1.97
  $ 15001 -  20000                 $17,418          $747                   2.38
  $ 20001 -  25000                 $22,430        $1,084                   3.04
  $ 25001 -  30000                 $27,616        $1,618                   3.54
  $ 30001 -  35000                 $32,501        $2,234                   3.39
  $ 35001 -  40000                 $37,464        $2,670                   3.63
  $ 40001 -  45000                 $42,388        $3,550                   3.37
  $ 45001 -  50000                 $47,147        $3,840                   3.97
  $ 50001 -  75000                 $60,903        $5,965                   3.75
  $ 75001 - 100000                 $85,186        $9,560                   4.33
  OVER $100,000                   $145,864       $24,398                   5.23

                    ______________________________________________________________
  TOTAL                            $26,456        $2,257                   2.77
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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         24         $27,392          $984      3.59           21
  $  5001 -  10000      43        $340,199        $6,779      1.99           74
  $ 10001 -  15000      43        $544,681       $19,983      3.67           98
  $ 15001 -  20000      41        $706,169       $29,403      4.16          102
  $ 20001 -  25000      59      $1,319,850       $64,076      4.85          176
  $ 25001 -  30000      56      $1,524,444       $94,211      6.18          157
  $ 30001 -  35000      48      $1,561,328      $113,172      7.25          143
  $ 35001 -  40000      58      $2,182,398      $143,624      6.58          218
  $ 40001 -  45000      81      $3,449,830      $263,665      7.64          296
  $ 45001 -  50000      80      $3,788,242      $321,883      8.50          270
  $ 50001 -  75000     279     $17,097,197    $1,582,294      9.25         1094
  $ 75001 - 100000     101      $8,669,133      $993,111     11.46          421
  OVER $100,000         57      $7,333,276    $1,103,539     15.05          274

                    ______________________________________________________________
  TOTAL                970     $48,544,139    $4,736,724      9.76         3344
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        2.5             0.1           0.0                    0.6
  $  5001 -  10000     4.4             0.7           0.1                    2.2
  $ 10001 -  15000     4.4             1.1           0.4                    2.9
  $ 15001 -  20000     4.2             1.5           0.6                    3.1
  $ 20001 -  25000     6.1             2.7           1.4                    5.3
  $ 25001 -  30000     5.8             3.1           2.0                    4.7
  $ 30001 -  35000     4.9             3.2           2.4                    4.3
  $ 35001 -  40000     6.0             4.5           3.0                    6.5
  $ 40001 -  45000     8.4             7.1           5.6                    8.9
  $ 45001 -  50000     8.2             7.8           6.8                    8.1
  $ 50001 -  75000    28.8            35.2          33.4                   32.7
  $ 75001 - 100000    10.4            17.9          21.0                   12.6
  OVER $100,000        5.9            15.1          23.3                    8.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,141           $41                   0.88
  $  5001 -  10000                  $7,912          $158                   1.72
  $ 10001 -  15000                 $12,667          $465                   2.28
  $ 15001 -  20000                 $17,224          $717                   2.49
  $ 20001 -  25000                 $22,370        $1,086                   2.98
  $ 25001 -  30000                 $27,222        $1,682                   2.80
  $ 30001 -  35000                 $32,528        $2,358                   2.98
  $ 35001 -  40000                 $37,628        $2,476                   3.76
  $ 40001 -  45000                 $42,590        $3,255                   3.65
  $ 45001 -  50000                 $47,353        $4,024                   3.38
  $ 50001 -  75000                 $61,280        $5,671                   3.92
  $ 75001 - 100000                 $85,833        $9,833                   4.17
  OVER $100,000                   $128,654       $19,360                   4.81

                    ______________________________________________________________
  TOTAL                            $50,046        $4,883                   3.45
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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       $-780,324          $589     -0.08           31
  $     1  -  5000     116        $322,191        $1,632      0.51          138
  $  5001 -  10000     103        $758,140        $9,033      1.19          206
  $ 10001 -  15000      93      $1,167,716       $25,598      2.19          229
  $ 15001 -  20000      73      $1,261,688       $43,206      3.42          210
  $ 20001 -  25000      88      $1,976,418       $79,457      4.02          337
  $ 25001 -  30000      77      $2,118,054      $111,141      5.25          296
  $ 30001 -  35000      61      $1,985,409      $126,763      6.38          230
  $ 35001 -  40000      65      $2,410,290      $174,410      7.24          264
  $ 40001 -  45000      47      $2,002,162      $144,950      7.24          208
  $ 45001 -  50000      41      $1,949,777      $182,948      9.38          168
  $ 50001 -  75000     132      $7,920,929      $760,469      9.60          547
  $ 75001 - 100000      54      $4,589,624      $508,848     11.09          241
  OVER $100,000         19      $4,101,362    $1,029,352     25.10           82

                    ______________________________________________________________
  TOTAL                983     $31,783,436    $3,198,396     10.06         3187
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.4            -2.5           0.0                    1.0
  $     1  -  5000    11.8             1.0           0.1                    4.3
  $  5001 -  10000    10.5             2.4           0.3                    6.5
  $ 10001 -  15000     9.5             3.7           0.8                    7.2
  $ 15001 -  20000     7.4             4.0           1.4                    6.6
  $ 20001 -  25000     9.0             6.2           2.5                   10.6
  $ 25001 -  30000     7.8             6.7           3.5                    9.3
  $ 30001 -  35000     6.2             6.2           4.0                    7.2
  $ 35001 -  40000     6.6             7.6           5.5                    8.3
  $ 40001 -  45000     4.8             6.3           4.5                    6.5
  $ 45001 -  50000     4.2             6.1           5.7                    5.3
  $ 50001 -  75000    13.4            24.9          23.8                   17.2
  $ 75001 - 100000     5.5            14.4          15.9                    7.6
  OVER $100,000        1.9            12.9          32.2                    2.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-55,737           $42                   2.21
  $     1  -  5000                  $2,778           $14                   1.19
  $  5001 -  10000                  $7,361           $88                   2.00
  $ 10001 -  15000                 $12,556          $275                   2.46
  $ 15001 -  20000                 $17,283          $592                   2.88
  $ 20001 -  25000                 $22,459          $903                   3.83
  $ 25001 -  30000                 $27,507        $1,443                   3.84
  $ 30001 -  35000                 $32,548        $2,078                   3.77
  $ 35001 -  40000                 $37,081        $2,683                   4.06
  $ 40001 -  45000                 $42,599        $3,084                   4.43
  $ 45001 -  50000                 $47,556        $4,462                   4.10
  $ 50001 -  75000                 $60,007        $5,761                   4.14
  $ 75001 - 100000                 $84,993        $9,423                   4.46
  OVER $100,000                   $215,861       $54,176                   4.32

                    ______________________________________________________________
  TOTAL                            $32,333        $3,254                   3.24
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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         55         $93,539          $597      0.64           36
  $  5001 -  10000      38        $287,654        $4,632      1.61           56
  $ 10001 -  15000      54        $665,372       $16,261      2.44          135
  $ 15001 -  20000      49        $860,868       $39,692      4.61          123
  $ 20001 -  25000      39        $882,499       $40,754      4.62          108
  $ 25001 -  30000      38      $1,044,065       $54,734      5.24          123
  $ 30001 -  35000      45      $1,441,025       $91,557      6.35          147
  $ 35001 -  40000      26        $973,094       $57,568      5.92          118
  $ 40001 -  45000      58      $2,474,620      $177,332      7.17          219
  $ 45001 -  50000      52      $2,479,903      $180,407      7.27          213
  $ 50001 -  75000     228     $14,160,139    $1,147,164      8.10         1031
  $ 75001 - 100000     135     $11,577,601    $1,172,118     10.12          651
  OVER $100,000         98     $15,420,634    $2,580,874     16.74          474

                    ______________________________________________________________
  TOTAL                915     $52,361,013    $5,563,690     10.63         3434
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        6.0             0.2           0.0                    1.0
  $  5001 -  10000     4.2             0.5           0.1                    1.6
  $ 10001 -  15000     5.9             1.3           0.3                    3.9
  $ 15001 -  20000     5.4             1.6           0.7                    3.6
  $ 20001 -  25000     4.3             1.7           0.7                    3.1
  $ 25001 -  30000     4.2             2.0           1.0                    3.6
  $ 30001 -  35000     4.9             2.8           1.6                    4.3
  $ 35001 -  40000     2.8             1.9           1.0                    3.4
  $ 40001 -  45000     6.3             4.7           3.2                    6.4
  $ 45001 -  50000     5.7             4.7           3.2                    6.2
  $ 50001 -  75000    24.9            27.0          20.6                   30.0
  $ 75001 - 100000    14.8            22.1          21.1                   19.0
  OVER $100,000       10.7            29.5          46.4                   13.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,701           $11                   0.65
  $  5001 -  10000                  $7,570          $122                   1.47
  $ 10001 -  15000                 $12,322          $301                   2.50
  $ 15001 -  20000                 $17,569          $810                   2.51
  $ 20001 -  25000                 $22,628        $1,045                   2.77
  $ 25001 -  30000                 $27,475        $1,440                   3.24
  $ 30001 -  35000                 $32,023        $2,035                   3.27
  $ 35001 -  40000                 $37,427        $2,214                   4.54
  $ 40001 -  45000                 $42,666        $3,057                   3.78
  $ 45001 -  50000                 $47,690        $3,469                   4.10
  $ 50001 -  75000                 $62,106        $5,031                   4.52
  $ 75001 - 100000                 $85,760        $8,682                   4.82
  OVER $100,000                   $157,353       $26,335                   4.84

                    ______________________________________________________________
  TOTAL                            $57,225        $6,081                   3.75
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              57     $-4,950,585       $13,693     -0.28          148
  $     1  -  5000     547      $1,492,947        $9,381      0.63          465
  $  5001 -  10000     681      $5,133,134       $93,953      1.83          916
  $ 10001 -  15000     921     $11,627,249      $447,286      3.85         1560
  $ 15001 -  20000     951     $16,660,072      $877,152      5.26         1817
  $ 20001 -  25000     978     $21,946,415    $1,447,028      6.59         2053
  $ 25001 -  30000     869     $23,919,444    $1,751,434      7.32         2070
  $ 30001 -  35000     866     $28,148,458    $2,230,281      7.92         2180
  $ 35001 -  40000     789     $29,604,821    $2,450,360      8.28         2256
  $ 40001 -  45000     713     $30,269,035    $2,668,532      8.82         2075
  $ 45001 -  50000     596     $28,291,816    $2,576,497      9.11         1813
  $ 50001 -  75000    2576    $157,850,297   $15,474,400      9.80         8911
  $ 75001 - 100000    1457    $124,778,979   $14,279,085     11.44         5646
  $100001 - 250000    1413    $196,564,034   $30,757,057     15.65         5926
  OVER $250,000        243    $131,614,847   $32,683,651     24.83          952

                    ______________________________________________________________
  TOTAL              13657    $802,950,963  $107,759,790     13.42        38788
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.6           0.0                    0.4
  $     1  -  5000     4.0             0.2           0.0                    1.2
  $  5001 -  10000     5.0             0.6           0.1                    2.4
  $ 10001 -  15000     6.7             1.4           0.4                    4.0
  $ 15001 -  20000     7.0             2.1           0.8                    4.7
  $ 20001 -  25000     7.2             2.7           1.3                    5.3
  $ 25001 -  30000     6.4             3.0           1.6                    5.3
  $ 30001 -  35000     6.3             3.5           2.1                    5.6
  $ 35001 -  40000     5.8             3.7           2.3                    5.8
  $ 40001 -  45000     5.2             3.8           2.5                    5.3
  $ 45001 -  50000     4.4             3.5           2.4                    4.7
  $ 50001 -  75000    18.9            19.7          14.4                   23.0
  $ 75001 - 100000    10.7            15.5          13.3                   14.6
  $100001 - 250000    10.3            24.5          28.5                   15.3
  OVER $250,000        1.8            16.4          30.3                    2.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-86,852          $240                   2.60
  $     1  -  5000                  $2,729           $17                   0.85
  $  5001 -  10000                  $7,538          $138                   1.35
  $ 10001 -  15000                 $12,625          $486                   1.69
  $ 15001 -  20000                 $17,518          $922                   1.91
  $ 20001 -  25000                 $22,440        $1,480                   2.10
  $ 25001 -  30000                 $27,525        $2,015                   2.38
  $ 30001 -  35000                 $32,504        $2,575                   2.52
  $ 35001 -  40000                 $37,522        $3,106                   2.86
  $ 40001 -  45000                 $42,453        $3,743                   2.91
  $ 45001 -  50000                 $47,469        $4,323                   3.04
  $ 50001 -  75000                 $61,277        $6,007                   3.46
  $ 75001 - 100000                 $85,641        $9,800                   3.88
  $100001 - 250000                $139,111       $21,767                   4.19
  OVER $250,000                   $541,625      $134,501                   3.92

                    ______________________________________________________________
  TOTAL                            $58,794        $7,890                   2.84
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              18       $-239,390        $2,440     -1.02           49
  $     1  -  5000     267        $740,748        $8,826      1.19          247
  $  5001 -  10000     338      $2,544,695       $42,753      1.68          520
  $ 10001 -  15000     400      $5,027,249      $161,871      3.22          721
  $ 15001 -  20000     483      $8,501,992      $405,550      4.77         1108
  $ 20001 -  25000     445      $9,970,652      $633,779      6.36         1012
  $ 25001 -  30000     396     $10,907,213      $796,848      7.31         1022
  $ 30001 -  35000     398     $12,942,218    $1,022,727      7.90         1124
  $ 35001 -  40000     387     $14,480,085    $1,169,373      8.08         1270
  $ 40001 -  45000     335     $14,249,097    $1,217,917      8.55         1155
  $ 45001 -  50000     328     $15,568,710    $1,405,050      9.02         1167
  $ 50001 -  75000    1199     $73,457,199    $7,243,283      9.86         4715
  $ 75001 - 100000     450     $38,376,461    $4,575,008     11.92         1915
  $100001 - 250000     238     $31,796,084    $5,013,493     15.77         1018
  OVER $250,000         23      $9,896,087    $2,460,877     24.87           84

                    ______________________________________________________________
  TOTAL               5705    $248,219,100   $26,159,795     10.54        17127
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.3            -0.1           0.0                    0.3
  $     1  -  5000     4.7             0.3           0.0                    1.4
  $  5001 -  10000     5.9             1.0           0.2                    3.0
  $ 10001 -  15000     7.0             2.0           0.6                    4.2
  $ 15001 -  20000     8.5             3.4           1.6                    6.5
  $ 20001 -  25000     7.8             4.0           2.4                    5.9
  $ 25001 -  30000     6.9             4.4           3.0                    6.0
  $ 30001 -  35000     7.0             5.2           3.9                    6.6
  $ 35001 -  40000     6.8             5.8           4.5                    7.4
  $ 40001 -  45000     5.9             5.7           4.7                    6.7
  $ 45001 -  50000     5.7             6.3           5.4                    6.8
  $ 50001 -  75000    21.0            29.6          27.7                   27.5
  $ 75001 - 100000     7.9            15.5          17.5                   11.2
  $100001 - 250000     4.2            12.8          19.2                    5.9
  OVER $250,000        0.4             4.0           9.4                    0.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-13,299          $136                   2.72
  $     1  -  5000                  $2,774           $33                   0.93
  $  5001 -  10000                  $7,529          $126                   1.54
  $ 10001 -  15000                 $12,568          $405                   1.80
  $ 15001 -  20000                 $17,602          $840                   2.29
  $ 20001 -  25000                 $22,406        $1,424                   2.27
  $ 25001 -  30000                 $27,543        $2,012                   2.58
  $ 30001 -  35000                 $32,518        $2,570                   2.82
  $ 35001 -  40000                 $37,416        $3,022                   3.28
  $ 40001 -  45000                 $42,535        $3,636                   3.45
  $ 45001 -  50000                 $47,466        $4,284                   3.56
  $ 50001 -  75000                 $61,265        $6,041                   3.93
  $ 75001 - 100000                 $85,281       $10,167                   4.26
  $100001 - 250000                $133,597       $21,065                   4.28
  OVER $250,000                   $430,265      $106,995                   3.65

                    ______________________________________________________________
  TOTAL                            $43,509        $4,585                   3.00
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              35       $-980,227        $1,174     -0.12          108
  $     1  -  5000     658      $1,884,697        $5,294      0.28          682
  $  5001 -  10000     845      $6,356,385      $105,032      1.65         1435
  $ 10001 -  15000     814     $10,155,055      $287,414      2.83         1737
  $ 15001 -  20000     726     $12,585,558      $524,941      4.17         1757
  $ 20001 -  25000     675     $15,119,125      $831,484      5.50         1811
  $ 25001 -  30000     500     $13,771,546      $912,155      6.62         1458
  $ 30001 -  35000     426     $13,841,343    $1,056,501      7.63         1297
  $ 35001 -  40000     426     $15,981,817    $1,226,375      7.67         1440
  $ 40001 -  45000     338     $14,324,969    $1,222,309      8.53         1137
  $ 45001 -  50000     305     $14,467,369    $1,248,741      8.63         1050
  $ 50001 -  75000     983     $59,702,348    $5,819,249      9.75         3644
  $ 75001 - 100000     342     $29,005,878    $3,403,901     11.74         1371
  $100001 - 250000     206     $27,672,568    $4,334,501     15.66          866
  OVER $250,000         19      $7,302,746    $2,017,007     27.62           81

                    ______________________________________________________________
  TOTAL               7298    $241,191,177   $22,996,078      9.53        19874
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.4           0.0                    0.5
  $     1  -  5000     9.0             0.8           0.0                    3.4
  $  5001 -  10000    11.6             2.6           0.5                    7.2
  $ 10001 -  15000    11.2             4.2           1.2                    8.7
  $ 15001 -  20000     9.9             5.2           2.3                    8.8
  $ 20001 -  25000     9.2             6.3           3.6                    9.1
  $ 25001 -  30000     6.9             5.7           4.0                    7.3
  $ 30001 -  35000     5.8             5.7           4.6                    6.5
  $ 35001 -  40000     5.8             6.6           5.3                    7.2
  $ 40001 -  45000     4.6             5.9           5.3                    5.7
  $ 45001 -  50000     4.2             6.0           5.4                    5.3
  $ 50001 -  75000    13.5            24.8          25.3                   18.3
  $ 75001 - 100000     4.7            12.0          14.8                    6.9
  $100001 - 250000     2.8            11.5          18.8                    4.4
  OVER $250,000        0.3             3.0           8.8                    0.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-28,006           $34                   3.09
  $     1  -  5000                  $2,864            $8                   1.04
  $  5001 -  10000                  $7,522          $124                   1.70
  $ 10001 -  15000                 $12,475          $353                   2.13
  $ 15001 -  20000                 $17,335          $723                   2.42
  $ 20001 -  25000                 $22,399        $1,232                   2.68
  $ 25001 -  30000                 $27,543        $1,824                   2.92
  $ 30001 -  35000                 $32,491        $2,480                   3.04
  $ 35001 -  40000                 $37,516        $2,879                   3.38
  $ 40001 -  45000                 $42,382        $3,616                   3.36
  $ 45001 -  50000                 $47,434        $4,094                   3.44
  $ 50001 -  75000                 $60,735        $5,920                   3.71
  $ 75001 - 100000                 $84,813        $9,953                   4.01
  $100001 - 250000                $134,333       $21,041                   4.20
  OVER $250,000                   $384,355      $106,158                   4.26

                    ______________________________________________________________
  TOTAL                            $33,049        $3,151                   2.72
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              13       $-451,694        $3,289     -0.73           34
  $     1  -  5000     162        $454,041        $3,199      0.70           97
  $  5001 -  10000     174      $1,303,334       $29,641      2.27          179
  $ 10001 -  15000     214      $2,680,075      $107,483      4.01          335
  $ 15001 -  20000     217      $3,811,418      $200,858      5.27          389
  $ 20001 -  25000     196      $4,431,536      $297,740      6.72          403
  $ 25001 -  30000     186      $5,088,851      $359,530      7.07          453
  $ 30001 -  35000     212      $6,898,999      $529,125      7.67          553
  $ 35001 -  40000     207      $7,800,109      $634,932      8.14          597
  $ 40001 -  45000     229      $9,728,572      $773,545      7.95          736
  $ 45001 -  50000     208      $9,845,366      $834,629      8.48          687
  $ 50001 -  75000     943     $58,953,210    $5,294,230      8.98         3737
  $ 75001 - 100000     625     $54,044,701    $5,881,083     10.88         2715
  $100001 - 250000     515     $68,719,257   $10,137,872     14.75         2428
  OVER $250,000         50     $28,599,533    $7,649,123     26.75          257

                    ______________________________________________________________
  TOTAL               4151    $261,907,308   $32,736,279     12.50        13600
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.3            -0.2           0.0                    0.3
  $     1  -  5000     3.9             0.2           0.0                    0.7
  $  5001 -  10000     4.2             0.5           0.1                    1.3
  $ 10001 -  15000     5.2             1.0           0.3                    2.5
  $ 15001 -  20000     5.2             1.5           0.6                    2.9
  $ 20001 -  25000     4.7             1.7           0.9                    3.0
  $ 25001 -  30000     4.5             1.9           1.1                    3.3
  $ 30001 -  35000     5.1             2.6           1.6                    4.1
  $ 35001 -  40000     5.0             3.0           1.9                    4.4
  $ 40001 -  45000     5.5             3.7           2.4                    5.4
  $ 45001 -  50000     5.0             3.8           2.5                    5.1
  $ 50001 -  75000    22.7            22.5          16.2                   27.5
  $ 75001 - 100000    15.1            20.6          18.0                   20.0
  $100001 - 250000    12.4            26.2          31.0                   17.9
  OVER $250,000        1.2            10.9          23.4                    1.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-34,746          $253                   2.62
  $     1  -  5000                  $2,803           $20                   0.60
  $  5001 -  10000                  $7,490          $170                   1.03
  $ 10001 -  15000                 $12,524          $502                   1.57
  $ 15001 -  20000                 $17,564          $926                   1.79
  $ 20001 -  25000                 $22,610        $1,519                   2.06
  $ 25001 -  30000                 $27,359        $1,933                   2.44
  $ 30001 -  35000                 $32,542        $2,496                   2.61
  $ 35001 -  40000                 $37,682        $3,067                   2.88
  $ 40001 -  45000                 $42,483        $3,378                   3.21
  $ 45001 -  50000                 $47,333        $4,013                   3.30
  $ 50001 -  75000                 $62,517        $5,614                   3.96
  $ 75001 - 100000                 $86,472        $9,410                   4.34
  $100001 - 250000                $133,435       $19,685                   4.71
  OVER $250,000                   $571,991      $152,982                   5.14

                    ______________________________________________________________
  TOTAL                            $63,095        $7,886                   3.28
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              15       $-142,044          $561     -0.39           27
  $     1  -  5000     460      $1,289,221        $5,103      0.40          566
  $  5001 -  10000     534      $4,065,597       $59,362      1.46          908
  $ 10001 -  15000     632      $7,930,411      $253,117      3.19         1304
  $ 15001 -  20000     652     $11,434,529      $594,362      5.20         1417
  $ 20001 -  25000     708     $15,889,008    $1,008,094      6.34         1670
  $ 25001 -  30000     634     $17,440,044    $1,253,033      7.18         1673
  $ 30001 -  35000     628     $20,454,659    $1,555,609      7.61         1850
  $ 35001 -  40000     539     $20,225,856    $1,635,940      8.09         1714
  $ 40001 -  45000     521     $22,108,423    $1,942,504      8.79         1661
  $ 45001 -  50000     408     $19,357,701    $1,740,157      8.99         1409
  $ 50001 -  75000    1224     $73,788,124    $7,352,548      9.96         4449
  $ 75001 - 100000     343     $29,088,453    $3,506,487     12.05         1366
  OVER $100,000        131     $15,975,306    $2,313,929     14.48          562

                    ______________________________________________________________
  TOTAL               7429    $258,905,288   $23,220,806      8.97        20576
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.2            -0.1           0.0                    0.1
  $     1  -  5000     6.2             0.5           0.0                    2.8
  $  5001 -  10000     7.2             1.6           0.3                    4.4
  $ 10001 -  15000     8.5             3.1           1.1                    6.3
  $ 15001 -  20000     8.8             4.4           2.6                    6.9
  $ 20001 -  25000     9.5             6.1           4.3                    8.1
  $ 25001 -  30000     8.5             6.7           5.4                    8.1
  $ 30001 -  35000     8.5             7.9           6.7                    9.0
  $ 35001 -  40000     7.3             7.8           7.0                    8.3
  $ 40001 -  45000     7.0             8.5           8.4                    8.1
  $ 45001 -  50000     5.5             7.5           7.5                    6.8
  $ 50001 -  75000    16.5            28.5          31.7                   21.6
  $ 75001 - 100000     4.6            11.2          15.1                    6.6
  OVER $100,000        1.8             6.2          10.0                    2.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-9,470           $37                   1.80
  $     1  -  5000                  $2,803           $11                   1.23
  $  5001 -  10000                  $7,613          $111                   1.70
  $ 10001 -  15000                 $12,548          $401                   2.06
  $ 15001 -  20000                 $17,538          $912                   2.17
  $ 20001 -  25000                 $22,442        $1,424                   2.36
  $ 25001 -  30000                 $27,508        $1,976                   2.64
  $ 30001 -  35000                 $32,571        $2,477                   2.95
  $ 35001 -  40000                 $37,525        $3,035                   3.18
  $ 40001 -  45000                 $42,435        $3,728                   3.19
  $ 45001 -  50000                 $47,445        $4,265                   3.45
  $ 50001 -  75000                 $60,284        $6,007                   3.63
  $ 75001 - 100000                 $84,806       $10,223                   3.98
  OVER $100,000                   $121,949       $17,664                   4.29

                    ______________________________________________________________
  TOTAL                            $34,851        $3,126                   2.77
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      CLINTON UT
                        _________________________________________________
  UNDER $ 5,000        103          $4,800        $2,564     53.42          101
  $  5001 -  10000     109        $845,646       $23,656      2.80          140
  $ 10001 -  15000     128      $1,614,215       $69,440      4.30          210
  $ 15001 -  20000     144      $2,513,797      $127,476      5.07          303
  $ 20001 -  25000     159      $3,594,832      $216,342      6.02          387
  $ 25001 -  30000     196      $5,427,082      $340,596      6.28          576
  $ 30001 -  35000     204      $6,644,541      $468,976      7.06          634
  $ 35001 -  40000     229      $8,601,751      $651,026      7.57          770
  $ 40001 -  45000     242     $10,314,870      $847,047      8.21          855
  $ 45001 -  50000     219     $10,427,792      $875,639      8.40          814
  $ 50001 -  75000     724     $43,816,181    $4,057,050      9.26         2871
  $ 75001 - 100000     251     $21,246,525    $2,390,917     11.25         1106
  OVER $100,000         88     $11,005,169    $1,590,038     14.45          410

                    ______________________________________________________________
  TOTAL               2796    $126,057,201   $11,660,767      9.25         9177
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        3.7             0.0           0.0                    1.1
  $  5001 -  10000     3.9             0.7           0.2                    1.5
  $ 10001 -  15000     4.6             1.3           0.6                    2.3
  $ 15001 -  20000     5.2             2.0           1.1                    3.3
  $ 20001 -  25000     5.7             2.9           1.9                    4.2
  $ 25001 -  30000     7.0             4.3           2.9                    6.3
  $ 30001 -  35000     7.3             5.3           4.0                    6.9
  $ 35001 -  40000     8.2             6.8           5.6                    8.4
  $ 40001 -  45000     8.7             8.2           7.3                    9.3
  $ 45001 -  50000     7.8             8.3           7.5                    8.9
  $ 50001 -  75000    25.9            34.8          34.8                   31.3
  $ 75001 - 100000     9.0            16.9          20.5                   12.1
  OVER $100,000        3.1             8.7          13.6                    4.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                        $47           $25                   0.98
  $  5001 -  10000                  $7,758          $217                   1.28
  $ 10001 -  15000                 $12,611          $543                   1.64
  $ 15001 -  20000                 $17,457          $885                   2.10
  $ 20001 -  25000                 $22,609        $1,361                   2.43
  $ 25001 -  30000                 $27,689        $1,738                   2.94
  $ 30001 -  35000                 $32,571        $2,299                   3.11
  $ 35001 -  40000                 $37,562        $2,843                   3.36
  $ 40001 -  45000                 $42,623        $3,500                   3.53
  $ 45001 -  50000                 $47,615        $3,998                   3.72
  $ 50001 -  75000                 $60,520        $5,604                   3.97
  $ 75001 - 100000                 $84,648        $9,526                   4.41
  OVER $100,000                   $125,059       $18,069                   4.66

                    ______________________________________________________________
  TOTAL                            $45,085        $4,171                   3.28
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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       $-738,054            $0      0.00           32
  $     1  -  5000      46        $130,248          $320      0.25           24
  $  5001 -  10000      56        $413,833        $8,743      2.11           58
  $ 10001 -  15000      64        $804,793       $24,500      3.04          114
  $ 15001 -  20000      51        $889,940       $37,997      4.27          113
  $ 20001 -  25000      60      $1,364,271       $74,844      5.49          164
  $ 25001 -  30000      63      $1,720,661      $112,614      6.54          175
  $ 30001 -  35000      58      $1,875,158      $152,524      8.13          162
  $ 35001 -  40000      50      $1,893,119      $155,642      8.22          155
  $ 40001 -  45000      48      $2,032,460      $166,464      8.19          171
  $ 45001 -  50000      45      $2,160,412      $185,972      8.61          157
  $ 50001 -  75000     179     $10,952,091    $1,057,936      9.66          663
  $ 75001 - 100000      48      $4,016,660      $463,590     11.54          197
  OVER $100,000         41      $7,826,417    $1,706,180     21.80          173

                    ______________________________________________________________
  TOTAL                821     $35,342,009    $4,147,326     11.73         2358
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.5            -2.1           0.0                    1.4
  $     1  -  5000     5.6             0.4           0.0                    1.0
  $  5001 -  10000     6.8             1.2           0.2                    2.5
  $ 10001 -  15000     7.8             2.3           0.6                    4.8
  $ 15001 -  20000     6.2             2.5           0.9                    4.8
  $ 20001 -  25000     7.3             3.9           1.8                    7.0
  $ 25001 -  30000     7.7             4.9           2.7                    7.4
  $ 30001 -  35000     7.1             5.3           3.7                    6.9
  $ 35001 -  40000     6.1             5.4           3.8                    6.6
  $ 40001 -  45000     5.8             5.8           4.0                    7.3
  $ 45001 -  50000     5.5             6.1           4.5                    6.7
  $ 50001 -  75000    21.8            31.0          25.5                   28.1
  $ 75001 - 100000     5.8            11.4          11.2                    8.4
  OVER $100,000        5.0            22.1          41.1                    7.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-61,505            $0                   2.67
  $     1  -  5000                  $2,831            $7                   0.52
  $  5001 -  10000                  $7,390          $156                   1.04
  $ 10001 -  15000                 $12,575          $383                   1.78
  $ 15001 -  20000                 $17,450          $745                   2.22
  $ 20001 -  25000                 $22,738        $1,247                   2.73
  $ 25001 -  30000                 $27,312        $1,788                   2.78
  $ 30001 -  35000                 $32,330        $2,630                   2.79
  $ 35001 -  40000                 $37,862        $3,113                   3.10
  $ 40001 -  45000                 $42,343        $3,468                   3.56
  $ 45001 -  50000                 $48,009        $4,133                   3.49
  $ 50001 -  75000                 $61,185        $5,910                   3.70
  $ 75001 - 100000                 $83,680        $9,658                   4.10
  OVER $100,000                   $190,888       $41,614                   4.22

                    ______________________________________________________________
  TOTAL                            $43,048        $5,052                   2.87
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              32     $-1,256,947            $9     -0.00           88
  $     1  -  5000      99        $319,429        $2,135      0.67          148
  $  5001 -  10000     128        $933,942       $13,677      1.46          236
  $ 10001 -  15000     134      $1,684,568       $46,804      2.78          266
  $ 15001 -  20000     115      $2,025,008       $72,719      3.59          324
  $ 20001 -  25000     101      $2,266,493      $110,572      4.88          304
  $ 25001 -  30000      94      $2,581,348      $158,180      6.13          315
  $ 30001 -  35000      84      $2,747,122      $187,261      6.82          290
  $ 35001 -  40000      73      $2,733,360      $202,370      7.40          289
  $ 40001 -  45000      66      $2,798,421      $230,387      8.23          262
  $ 45001 -  50000      81      $3,842,353      $331,625      8.63          322
  $ 50001 -  75000     312     $19,235,768    $1,790,314      9.31         1404
  $ 75001 - 100000      98      $8,284,415    $1,007,697     12.16          461
  OVER $100,000         35      $4,919,430      $780,515     15.87          180

                    ______________________________________________________________
  TOTAL               1452     $53,114,710    $4,934,265      9.29         4889
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             2.2            -2.4           0.0                    1.8
  $     1  -  5000     6.8             0.6           0.0                    3.0
  $  5001 -  10000     8.8             1.8           0.3                    4.8
  $ 10001 -  15000     9.2             3.2           0.9                    5.4
  $ 15001 -  20000     7.9             3.8           1.5                    6.6
  $ 20001 -  25000     7.0             4.3           2.2                    6.2
  $ 25001 -  30000     6.5             4.9           3.2                    6.4
  $ 30001 -  35000     5.8             5.2           3.8                    5.9
  $ 35001 -  40000     5.0             5.1           4.1                    5.9
  $ 40001 -  45000     4.5             5.3           4.7                    5.4
  $ 45001 -  50000     5.6             7.2           6.7                    6.6
  $ 50001 -  75000    21.5            36.2          36.3                   28.7
  $ 75001 - 100000     6.7            15.6          20.4                    9.4
  OVER $100,000        2.4             9.3          15.8                    3.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-39,280            $0                   2.75
  $     1  -  5000                  $3,227           $22                   1.49
  $  5001 -  10000                  $7,296          $107                   1.84
  $ 10001 -  15000                 $12,571          $349                   1.99
  $ 15001 -  20000                 $17,609          $632                   2.82
  $ 20001 -  25000                 $22,441        $1,095                   3.01
  $ 25001 -  30000                 $27,461        $1,683                   3.35
  $ 30001 -  35000                 $32,704        $2,229                   3.45
  $ 35001 -  40000                 $37,443        $2,772                   3.96
  $ 40001 -  45000                 $42,400        $3,491                   3.97
  $ 45001 -  50000                 $47,436        $4,094                   3.98
  $ 50001 -  75000                 $61,653        $5,738                   4.50
  $ 75001 - 100000                 $84,535       $10,283                   4.70
  OVER $100,000                   $140,555       $22,300                   5.14

                    ______________________________________________________________
  TOTAL                            $36,580        $3,398                   3.37
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              26       $-980,049       $22,531     -2.30           74
  $     1  -  5000     235        $601,510        $4,050      0.67          190
  $  5001 -  10000     228      $1,739,728       $39,296      2.26          271
  $ 10001 -  15000     220      $2,771,480      $113,614      4.10          374
  $ 15001 -  20000     192      $3,370,202      $185,675      5.51          354
  $ 20001 -  25000     226      $5,093,633      $312,739      6.14          516
  $ 25001 -  30000     217      $5,970,588      $447,314      7.49          485
  $ 30001 -  35000     209      $6,836,883      $516,616      7.56          541
  $ 35001 -  40000     201      $7,531,451      $569,506      7.56          589
  $ 40001 -  45000     217      $9,219,034      $702,244      7.62          702
  $ 45001 -  50000     202      $9,633,748      $784,378      8.14          636
  $ 50001 -  75000    1009     $62,686,661    $5,666,544      9.04         3669
  $ 75001 - 100000     719     $61,901,678    $6,918,889     11.18         2737
  $100001 - 250000     686     $93,484,188   $15,196,951     16.26         2748
  OVER $250,000         88     $46,077,801   $12,696,891     27.56          362

                    ______________________________________________________________
  TOTAL               4675    $315,938,536   $44,177,238     13.98        14248
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.3           0.1                    0.5
  $     1  -  5000     5.0             0.2           0.0                    1.3
  $  5001 -  10000     4.9             0.6           0.1                    1.9
  $ 10001 -  15000     4.7             0.9           0.3                    2.6
  $ 15001 -  20000     4.1             1.1           0.4                    2.5
  $ 20001 -  25000     4.8             1.6           0.7                    3.6
  $ 25001 -  30000     4.6             1.9           1.0                    3.4
  $ 30001 -  35000     4.5             2.2           1.2                    3.8
  $ 35001 -  40000     4.3             2.4           1.3                    4.1
  $ 40001 -  45000     4.6             2.9           1.6                    4.9
  $ 45001 -  50000     4.3             3.0           1.8                    4.5
  $ 50001 -  75000    21.6            19.8          12.8                   25.8
  $ 75001 - 100000    15.4            19.6          15.7                   19.2
  $100001 - 250000    14.7            29.6          34.4                   19.3
  OVER $250,000        1.9            14.6          28.7                    2.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-37,694          $867                   2.85
  $     1  -  5000                  $2,560           $17                   0.81
  $  5001 -  10000                  $7,630          $172                   1.19
  $ 10001 -  15000                 $12,598          $516                   1.70
  $ 15001 -  20000                 $17,553          $967                   1.84
  $ 20001 -  25000                 $22,538        $1,384                   2.28
  $ 25001 -  30000                 $27,514        $2,061                   2.24
  $ 30001 -  35000                 $32,712        $2,472                   2.59
  $ 35001 -  40000                 $37,470        $2,833                   2.93
  $ 40001 -  45000                 $42,484        $3,236                   3.24
  $ 45001 -  50000                 $47,692        $3,883                   3.15
  $ 50001 -  75000                 $62,128        $5,616                   3.64
  $ 75001 - 100000                 $86,094        $9,623                   3.81
  $100001 - 250000                $136,274       $22,153                   4.01
  OVER $250,000                   $523,611      $144,283                   4.11

                    ______________________________________________________________
  TOTAL                            $67,580        $9,450                   3.05
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      EPHRAIM UT
                        _________________________________________________
  UNDER $ 5,000        110        $142,862        $1,869      1.31           91
  $  5001 -  10000      94        $715,025        $9,376      1.31          172
  $ 10001 -  15000     109      $1,372,793       $37,674      2.74          248
  $ 15001 -  20000      80      $1,395,856       $49,905      3.58          235
  $ 20001 -  25000      69      $1,562,142       $71,691      4.59          238
  $ 25001 -  30000      53      $1,462,600       $94,252      6.44          163
  $ 30001 -  35000      50      $1,627,322      $109,533      6.73          176
  $ 35001 -  40000      36      $1,354,984       $92,741      6.84          149
  $ 40001 -  45000      33      $1,385,521      $104,206      7.52          143
  $ 45001 -  50000      38      $1,799,447      $136,583      7.59          161
  $ 50001 -  75000     138      $8,283,668      $717,812      8.67          651
  $ 75001 - 100000      39      $3,316,836      $320,616      9.67          227
  OVER $100,000         35      $5,727,915    $1,005,933     17.56          161

                    ______________________________________________________________
  TOTAL                884     $30,146,971    $2,752,191      9.13         2815
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       12.4             0.5           0.1                    3.2
  $  5001 -  10000    10.6             2.4           0.3                    6.1
  $ 10001 -  15000    12.3             4.6           1.4                    8.8
  $ 15001 -  20000     9.0             4.6           1.8                    8.3
  $ 20001 -  25000     7.8             5.2           2.6                    8.5
  $ 25001 -  30000     6.0             4.9           3.4                    5.8
  $ 30001 -  35000     5.7             5.4           4.0                    6.3
  $ 35001 -  40000     4.1             4.5           3.4                    5.3
  $ 40001 -  45000     3.7             4.6           3.8                    5.1
  $ 45001 -  50000     4.3             6.0           5.0                    5.7
  $ 50001 -  75000    15.6            27.5          26.1                   23.1
  $ 75001 - 100000     4.4            11.0          11.6                    8.1
  OVER $100,000        4.0            19.0          36.6                    5.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,299           $17                   0.83
  $  5001 -  10000                  $7,607          $100                   1.83
  $ 10001 -  15000                 $12,594          $346                   2.28
  $ 15001 -  20000                 $17,448          $624                   2.94
  $ 20001 -  25000                 $22,640        $1,039                   3.45
  $ 25001 -  30000                 $27,596        $1,778                   3.08
  $ 30001 -  35000                 $32,546        $2,191                   3.52
  $ 35001 -  40000                 $37,638        $2,576                   4.14
  $ 40001 -  45000                 $41,985        $3,158                   4.33
  $ 45001 -  50000                 $47,354        $3,594                   4.24
  $ 50001 -  75000                 $60,027        $5,202                   4.72
  $ 75001 - 100000                 $85,047        $8,221                   5.82
  OVER $100,000                   $163,655       $28,741                   4.60

                    ______________________________________________________________
  TOTAL                            $34,103        $3,113                   3.18
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              20       $-511,986        $1,361     -0.27           50
  $     1  -  5000     120        $336,630        $2,722      0.81           69
  $  5001 -  10000     138      $1,025,865       $26,817      2.61          157
  $ 10001 -  15000     132      $1,662,539       $76,119      4.58          195
  $ 15001 -  20000     155      $2,759,210      $142,060      5.15          312
  $ 20001 -  25000     149      $3,340,402      $213,185      6.38          323
  $ 25001 -  30000     146      $3,980,585      $272,685      6.85          375
  $ 30001 -  35000     140      $4,536,825      $314,643      6.94          433
  $ 35001 -  40000     113      $4,241,218      $321,386      7.58          354
  $ 40001 -  45000     145      $6,138,638      $457,577      7.45          515
  $ 45001 -  50000     139      $6,593,420      $532,810      8.08          506
  $ 50001 -  75000     691     $42,587,981    $3,765,642      8.84         2787
  $ 75001 - 100000     383     $33,083,691    $3,570,520     10.79         1651
  $100001 - 250000     418     $57,999,103    $8,873,003     15.30         1885
  OVER $250,000         72     $30,902,670    $7,939,243     25.69          384

                    ______________________________________________________________
  TOTAL               2961    $198,676,791   $26,509,773     13.34         9996
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.3           0.0                    0.5
  $     1  -  5000     4.1             0.2           0.0                    0.7
  $  5001 -  10000     4.7             0.5           0.1                    1.6
  $ 10001 -  15000     4.5             0.8           0.3                    2.0
  $ 15001 -  20000     5.2             1.4           0.5                    3.1
  $ 20001 -  25000     5.0             1.7           0.8                    3.2
  $ 25001 -  30000     4.9             2.0           1.0                    3.8
  $ 30001 -  35000     4.7             2.3           1.2                    4.3
  $ 35001 -  40000     3.8             2.1           1.2                    3.5
  $ 40001 -  45000     4.9             3.1           1.7                    5.2
  $ 45001 -  50000     4.7             3.3           2.0                    5.1
  $ 50001 -  75000    23.3            21.4          14.2                   27.9
  $ 75001 - 100000    12.9            16.7          13.5                   16.5
  $100001 - 250000    14.1            29.2          33.5                   18.9
  OVER $250,000        2.4            15.6          29.9                    3.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-25,599           $68                   2.50
  $     1  -  5000                  $2,805           $23                   0.58
  $  5001 -  10000                  $7,434          $194                   1.14
  $ 10001 -  15000                 $12,595          $577                   1.48
  $ 15001 -  20000                 $17,801          $917                   2.01
  $ 20001 -  25000                 $22,419        $1,431                   2.17
  $ 25001 -  30000                 $27,264        $1,868                   2.57
  $ 30001 -  35000                 $32,406        $2,247                   3.09
  $ 35001 -  40000                 $37,533        $2,844                   3.13
  $ 40001 -  45000                 $42,335        $3,156                   3.55
  $ 45001 -  50000                 $47,435        $3,833                   3.64
  $ 50001 -  75000                 $61,632        $5,450                   4.03
  $ 75001 - 100000                 $86,380        $9,323                   4.31
  $100001 - 250000                $138,754       $21,227                   4.51
  OVER $250,000                   $429,204      $110,267                   5.33

                    ______________________________________________________________
  TOTAL                            $67,098        $8,953                   3.38
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      FRUIT HEIGHTS UT
                        _________________________________________________
  UNDER $ 5,000         39         $59,579          $886      1.49           23
  $  5001 -  10000      43        $309,368        $9,172      2.96           33
  $ 10001 -  15000      47        $583,395       $28,693      4.92           63
  $ 15001 -  20000      35        $614,758       $27,532      4.48           78
  $ 20001 -  25000      36        $793,707       $44,493      5.61           92
  $ 25001 -  30000      47      $1,291,277       $91,008      7.05          116
  $ 30001 -  35000      44      $1,415,506      $101,770      7.19          113
  $ 35001 -  40000      38      $1,419,200      $112,502      7.93          116
  $ 40001 -  45000      40      $1,697,565      $131,909      7.77          121
  $ 45001 -  50000      43      $2,051,109      $153,294      7.47          165
  $ 50001 -  75000     213     $13,193,319    $1,119,127      8.48          869
  $ 75001 - 100000     209     $17,970,190    $1,814,330     10.10          946
  $100001 - 250000     199     $26,463,684    $3,889,054     14.70          956
  OVER $250,000         27     $14,333,107    $3,675,954     25.65          145

                    ______________________________________________________________
  TOTAL               1060     $82,195,764   $11,199,724     13.63         3836
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        3.7             0.1           0.0                    0.6
  $  5001 -  10000     4.1             0.4           0.1                    0.9
  $ 10001 -  15000     4.4             0.7           0.3                    1.6
  $ 15001 -  20000     3.3             0.7           0.2                    2.0
  $ 20001 -  25000     3.4             1.0           0.4                    2.4
  $ 25001 -  30000     4.4             1.6           0.8                    3.0
  $ 30001 -  35000     4.2             1.7           0.9                    2.9
  $ 35001 -  40000     3.6             1.7           1.0                    3.0
  $ 40001 -  45000     3.8             2.1           1.2                    3.2
  $ 45001 -  50000     4.1             2.5           1.4                    4.3
  $ 50001 -  75000    20.1            16.1          10.0                   22.7
  $ 75001 - 100000    19.7            21.9          16.2                   24.7
  $100001 - 250000    18.8            32.2          34.7                   24.9
  OVER $250,000        2.5            17.4          32.8                    3.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,528           $23                   0.59
  $  5001 -  10000                  $7,195          $213                   0.77
  $ 10001 -  15000                 $12,413          $610                   1.34
  $ 15001 -  20000                 $17,565          $787                   2.23
  $ 20001 -  25000                 $22,047        $1,236                   2.56
  $ 25001 -  30000                 $27,474        $1,936                   2.47
  $ 30001 -  35000                 $32,171        $2,313                   2.57
  $ 35001 -  40000                 $37,347        $2,961                   3.05
  $ 40001 -  45000                 $42,439        $3,298                   3.03
  $ 45001 -  50000                 $47,700        $3,565                   3.84
  $ 50001 -  75000                 $61,940        $5,254                   4.08
  $ 75001 - 100000                 $85,982        $8,681                   4.53
  $100001 - 250000                $132,983       $19,543                   4.80
  OVER $250,000                   $530,856      $136,146                   5.37

                    ______________________________________________________________
  TOTAL                            $77,543       $10,566                   3.62
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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         49       $-268,633        $1,186     -0.44           70
  $  5001 -  10000      68        $505,672        $9,691      1.92          122
  $ 10001 -  15000      60        $766,378       $26,817      3.50          103
  $ 15001 -  20000      56        $987,667       $38,188      3.87          155
  $ 20001 -  25000      82      $1,841,399      $113,108      6.14          217
  $ 25001 -  30000      80      $2,187,308      $139,243      6.37          246
  $ 30001 -  35000      76      $2,462,578      $179,583      7.29          249
  $ 35001 -  40000      69      $2,573,945      $186,950      7.26          272
  $ 40001 -  45000      65      $2,764,112      $227,076      8.22          249
  $ 45001 -  50000      51      $2,426,513      $211,650      8.72          210
  $ 50001 -  75000     183     $11,073,135    $1,081,795      9.77          792
  $ 75001 - 100000      52      $4,401,802      $518,757     11.79          213
  OVER $100,000         16      $2,340,757      $402,890     17.21           61

                    ______________________________________________________________
  TOTAL                907     $34,062,633    $3,136,934      9.21         2959
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        5.4            -0.8           0.0                    2.4
  $  5001 -  10000     7.5             1.5           0.3                    4.1
  $ 10001 -  15000     6.6             2.2           0.9                    3.5
  $ 15001 -  20000     6.2             2.9           1.2                    5.2
  $ 20001 -  25000     9.0             5.4           3.6                    7.3
  $ 25001 -  30000     8.8             6.4           4.4                    8.3
  $ 30001 -  35000     8.4             7.2           5.7                    8.4
  $ 35001 -  40000     7.6             7.6           6.0                    9.2
  $ 40001 -  45000     7.2             8.1           7.2                    8.4
  $ 45001 -  50000     5.6             7.1           6.7                    7.1
  $ 50001 -  75000    20.2            32.5          34.5                   26.8
  $ 75001 - 100000     5.7            12.9          16.5                    7.2
  OVER $100,000        1.8             6.9          12.8                    2.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                    $-5,482           $24                   1.43
  $  5001 -  10000                  $7,436          $143                   1.79
  $ 10001 -  15000                 $12,773          $447                   1.72
  $ 15001 -  20000                 $17,637          $682                   2.77
  $ 20001 -  25000                 $22,456        $1,379                   2.65
  $ 25001 -  30000                 $27,341        $1,741                   3.08
  $ 30001 -  35000                 $32,402        $2,363                   3.28
  $ 35001 -  40000                 $37,304        $2,709                   3.94
  $ 40001 -  45000                 $42,525        $3,493                   3.83
  $ 45001 -  50000                 $47,579        $4,150                   4.12
  $ 50001 -  75000                 $60,509        $5,911                   4.33
  $ 75001 - 100000                 $84,650        $9,976                   4.10
  OVER $100,000                   $146,297       $25,181                   3.81

                    ______________________________________________________________
  TOTAL                            $37,555        $3,459                   3.26
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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        134        $229,217       $10,854      4.74          109
  $  5001 -  10000     136      $1,050,453       $16,653      1.59          226
  $ 10001 -  15000     165      $2,046,373       $85,466      4.18          295
  $ 15001 -  20000     148      $2,606,894      $126,520      4.85          330
  $ 20001 -  25000     157      $3,531,025      $228,743      6.48          369
  $ 25001 -  30000     147      $4,060,281      $290,179      7.15          402
  $ 30001 -  35000     133      $4,313,012      $356,091      8.26          368
  $ 35001 -  40000     145      $5,411,328      $479,769      8.87          432
  $ 40001 -  45000     142      $6,018,566      $522,662      8.68          489
  $ 45001 -  50000     141      $6,705,251      $603,078      8.99          515
  $ 50001 -  75000     350     $21,216,127    $2,108,237      9.94         1316
  $ 75001 - 100000     127     $10,837,606    $1,313,319     12.12          522
  OVER $100,000         36      $5,740,245    $1,043,520     18.18          153

                    ______________________________________________________________
  TOTAL               1961     $73,766,378    $7,185,091      9.74         5526
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        6.8             0.3           0.2                    2.0
  $  5001 -  10000     6.9             1.4           0.2                    4.1
  $ 10001 -  15000     8.4             2.8           1.2                    5.3
  $ 15001 -  20000     7.5             3.5           1.8                    6.0
  $ 20001 -  25000     8.0             4.8           3.2                    6.7
  $ 25001 -  30000     7.5             5.5           4.0                    7.3
  $ 30001 -  35000     6.8             5.8           5.0                    6.7
  $ 35001 -  40000     7.4             7.3           6.7                    7.8
  $ 40001 -  45000     7.2             8.2           7.3                    8.8
  $ 45001 -  50000     7.2             9.1           8.4                    9.3
  $ 50001 -  75000    17.8            28.8          29.3                   23.8
  $ 75001 - 100000     6.5            14.7          18.3                    9.4
  OVER $100,000        1.8             7.8          14.5                    2.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,711           $81                   0.81
  $  5001 -  10000                  $7,724          $122                   1.66
  $ 10001 -  15000                 $12,402          $518                   1.79
  $ 15001 -  20000                 $17,614          $855                   2.23
  $ 20001 -  25000                 $22,491        $1,457                   2.35
  $ 25001 -  30000                 $27,621        $1,974                   2.73
  $ 30001 -  35000                 $32,429        $2,677                   2.77
  $ 35001 -  40000                 $37,320        $3,309                   2.98
  $ 40001 -  45000                 $42,384        $3,681                   3.44
  $ 45001 -  50000                 $47,555        $4,277                   3.65
  $ 50001 -  75000                 $60,618        $6,024                   3.76
  $ 75001 - 100000                 $85,335       $10,341                   4.11
  OVER $100,000                   $159,451       $28,987                   4.25

                    ______________________________________________________________
  TOTAL                            $37,617        $3,664                   2.82
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              18       $-636,029        $4,939     -0.78           55
  $     1  -  5000     166        $477,291        $2,159      0.45          152
  $  5001 -  10000     175      $1,380,484       $27,164      1.97          287
  $ 10001 -  15000     225      $2,818,483       $86,175      3.06          428
  $ 15001 -  20000     237      $4,168,141      $215,692      5.17          492
  $ 20001 -  25000     233      $5,239,276      $317,698      6.06          572
  $ 25001 -  30000     208      $5,732,566      $381,830      6.66          568
  $ 30001 -  35000     190      $6,170,370      $461,327      7.48          548
  $ 35001 -  40000     193      $7,228,650      $543,510      7.52          624
  $ 40001 -  45000     168      $7,142,284      $582,816      8.16          577
  $ 45001 -  50000     155      $7,371,385      $567,510      7.70          569
  $ 50001 -  75000     535     $32,434,032    $2,986,877      9.21         2117
  $ 75001 - 100000     187     $15,915,196    $1,775,935     11.16          791
  $100001 - 250000     137     $18,586,681    $2,868,068     15.43          562
  OVER $250,000         26     $11,128,174    $2,847,238     25.59          114

                    ______________________________________________________________
  TOTAL               2853    $125,156,984   $13,668,938     10.92         8456
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.5           0.0                    0.7
  $     1  -  5000     5.8             0.4           0.0                    1.8
  $  5001 -  10000     6.1             1.1           0.2                    3.4
  $ 10001 -  15000     7.9             2.3           0.6                    5.1
  $ 15001 -  20000     8.3             3.3           1.6                    5.8
  $ 20001 -  25000     8.2             4.2           2.3                    6.8
  $ 25001 -  30000     7.3             4.6           2.8                    6.7
  $ 30001 -  35000     6.7             4.9           3.4                    6.5
  $ 35001 -  40000     6.8             5.8           4.0                    7.4
  $ 40001 -  45000     5.9             5.7           4.3                    6.8
  $ 45001 -  50000     5.4             5.9           4.2                    6.7
  $ 50001 -  75000    18.8            25.9          21.9                   25.0
  $ 75001 - 100000     6.6            12.7          13.0                    9.4
  $100001 - 250000     4.8            14.9          21.0                    6.6
  OVER $250,000        0.9             8.9          20.8                    1.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-35,335          $274                   3.06
  $     1  -  5000                  $2,875           $13                   0.92
  $  5001 -  10000                  $7,888          $155                   1.64
  $ 10001 -  15000                 $12,527          $383                   1.90
  $ 15001 -  20000                 $17,587          $910                   2.08
  $ 20001 -  25000                 $22,486        $1,364                   2.45
  $ 25001 -  30000                 $27,560        $1,836                   2.73
  $ 30001 -  35000                 $32,476        $2,428                   2.88
  $ 35001 -  40000                 $37,454        $2,816                   3.23
  $ 40001 -  45000                 $42,514        $3,469                   3.43
  $ 45001 -  50000                 $47,557        $3,661                   3.67
  $ 50001 -  75000                 $60,624        $5,583                   3.96
  $ 75001 - 100000                 $85,108        $9,497                   4.23
  $100001 - 250000                $135,669       $20,935                   4.10
  OVER $250,000                   $428,007      $109,509                   4.38

                    ______________________________________________________________
  TOTAL                            $43,869        $4,791                   2.96
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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 $ 5,000        101        $135,090        $1,398      1.03          105
  $  5001 -  10000     116        $860,338       $11,403      1.33          188
  $ 10001 -  15000     131      $1,599,451       $49,222      3.08          237
  $ 15001 -  20000     116      $2,012,777       $94,869      4.71          251
  $ 20001 -  25000      84      $1,871,057      $122,513      6.55          202
  $ 25001 -  30000      77      $2,104,247      $151,404      7.20          206
  $ 30001 -  35000      87      $2,811,105      $228,256      8.12          238
  $ 35001 -  40000      63      $2,368,261      $222,460      9.39          183
  $ 40001 -  45000      71      $3,030,498      $294,372      9.71          210
  $ 45001 -  50000      74      $3,506,388      $357,243     10.19          223
  $ 50001 -  75000     247     $14,886,720    $1,640,676     11.02          860
  $ 75001 - 100000     101      $8,517,801    $1,221,123     14.34          354
  OVER $100,000         44      $5,819,225    $1,010,974     17.37          175

                    ______________________________________________________________
  TOTAL               1312     $49,522,958    $5,405,913     10.92         3432
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        7.7             0.3           0.0                    3.1
  $  5001 -  10000     8.8             1.7           0.2                    5.5
  $ 10001 -  15000    10.0             3.2           0.9                    6.9
  $ 15001 -  20000     8.8             4.1           1.8                    7.3
  $ 20001 -  25000     6.4             3.8           2.3                    5.9
  $ 25001 -  30000     5.9             4.2           2.8                    6.0
  $ 30001 -  35000     6.6             5.7           4.2                    6.9
  $ 35001 -  40000     4.8             4.8           4.1                    5.3
  $ 40001 -  45000     5.4             6.1           5.4                    6.1
  $ 45001 -  50000     5.6             7.1           6.6                    6.5
  $ 50001 -  75000    18.8            30.1          30.3                   25.1
  $ 75001 - 100000     7.7            17.2          22.6                   10.3
  OVER $100,000        3.4            11.8          18.7                    5.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,338           $14                   1.04
  $  5001 -  10000                  $7,417           $98                   1.62
  $ 10001 -  15000                 $12,210          $376                   1.81
  $ 15001 -  20000                 $17,352          $818                   2.16
  $ 20001 -  25000                 $22,274        $1,458                   2.40
  $ 25001 -  30000                 $27,328        $1,966                   2.68
  $ 30001 -  35000                 $32,312        $2,624                   2.74
  $ 35001 -  40000                 $37,591        $3,531                   2.90
  $ 40001 -  45000                 $42,683        $4,146                   2.96
  $ 45001 -  50000                 $47,384        $4,828                   3.01
  $ 50001 -  75000                 $60,270        $6,642                   3.48
  $ 75001 - 100000                 $84,335       $12,090                   3.50
  OVER $100,000                   $132,255       $22,977                   3.98

                    ______________________________________________________________
  TOTAL                            $37,746        $4,120                   2.62
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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 $ 5,000         98        $-74,040        $5,519     -7.45           98
  $  5001 -  10000      61        $450,239       $11,521      2.56          101
  $ 10001 -  15000      67        $848,738       $30,364      3.58          118
  $ 15001 -  20000      47        $823,689       $43,476      5.28           82
  $ 20001 -  25000      56      $1,275,859       $50,376      3.95          174
  $ 25001 -  30000      48      $1,316,913       $88,533      6.72          131
  $ 30001 -  35000      60      $1,949,464      $108,598      5.57          215
  $ 35001 -  40000      61      $2,283,903      $122,335      5.36          256
  $ 40001 -  45000      59      $2,509,197      $161,829      6.45          261
  $ 45001 -  50000      60      $2,868,101      $196,723      6.86          258
  $ 50001 -  75000     354     $21,991,283    $1,719,899      7.82         1659
  $ 75001 - 100000     252     $21,744,210    $2,146,312      9.87         1228
  $100001 - 250000     238     $32,250,975    $4,577,316     14.19         1274
  OVER $250,000         29     $11,203,175    $2,713,201     24.22          151

                    ______________________________________________________________
  TOTAL               1490    $101,441,706   $11,976,002     11.81         6006
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        6.6            -0.1           0.0                    1.6
  $  5001 -  10000     4.1             0.4           0.1                    1.7
  $ 10001 -  15000     4.5             0.8           0.3                    2.0
  $ 15001 -  20000     3.2             0.8           0.4                    1.4
  $ 20001 -  25000     3.8             1.3           0.4                    2.9
  $ 25001 -  30000     3.2             1.3           0.7                    2.2
  $ 30001 -  35000     4.0             1.9           0.9                    3.6
  $ 35001 -  40000     4.1             2.3           1.0                    4.3
  $ 40001 -  45000     4.0             2.5           1.4                    4.3
  $ 45001 -  50000     4.0             2.8           1.6                    4.3
  $ 50001 -  75000    23.8            21.7          14.4                   27.6
  $ 75001 - 100000    16.9            21.4          17.9                   20.4
  $100001 - 250000    16.0            31.8          38.2                   21.2
  OVER $250,000        1.9            11.0          22.7                    2.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                      $-756           $56                   1.00
  $  5001 -  10000                  $7,381          $189                   1.66
  $ 10001 -  15000                 $12,668          $453                   1.76
  $ 15001 -  20000                 $17,525          $925                   1.74
  $ 20001 -  25000                 $22,783          $900                   3.11
  $ 25001 -  30000                 $27,436        $1,844                   2.73
  $ 30001 -  35000                 $32,491        $1,810                   3.58
  $ 35001 -  40000                 $37,441        $2,005                   4.20
  $ 40001 -  45000                 $42,529        $2,743                   4.42
  $ 45001 -  50000                 $47,802        $3,279                   4.30
  $ 50001 -  75000                 $62,122        $4,858                   4.69
  $ 75001 - 100000                 $86,287        $8,517                   4.87
  $100001 - 250000                $135,508       $19,232                   5.35
  OVER $250,000                   $386,316       $93,559                   5.21

                    ______________________________________________________________
  TOTAL                            $68,082        $8,038                   4.03
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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      40        $107,074          $370      0.35           21
  $  5001 -  10000     183      $1,511,774       $47,743      3.16          182
  $ 10001 -  15000     373      $4,565,828      $232,314      5.09          537
  $ 15001 -  20000     218      $3,844,963      $124,581      3.24          645
  $ 20001 -  25000     219      $4,919,158      $220,685      4.49          725
  $ 25001 -  30000     156      $4,293,252      $245,481      5.72          566
  $ 30001 -  35000     136      $4,408,940      $303,149      6.88          492
  $ 35001 -  40000     111      $4,155,661      $323,154      7.78          418
  $ 40001 -  45000      78      $3,297,709      $294,207      8.92          285
  $ 45001 -  50000      46      $2,180,554      $191,734      8.79          186
  $ 50001 -  75000      82      $4,775,699      $500,836     10.49          303
  $ 75001 - 250000      21      $1,993,879      $310,587     15.58           82

                    ______________________________________________________________
  TOTAL               1663     $40,054,491    $2,794,841      6.98         4442
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  $     1  -  5000     2.4             0.3           0.0                    0.5
  $  5001 -  10000    11.0             3.8           1.7                    4.1
  $ 10001 -  15000    22.4            11.4           8.3                   12.1
  $ 15001 -  20000    13.1             9.6           4.5                   14.5
  $ 20001 -  25000    13.2            12.3           7.9                   16.3
  $ 25001 -  30000     9.4            10.7           8.8                   12.7
  $ 30001 -  35000     8.2            11.0          10.8                   11.1
  $ 35001 -  40000     6.7            10.4          11.6                    9.4
  $ 40001 -  45000     4.7             8.2          10.5                    6.4
  $ 45001 -  50000     2.8             5.4           6.9                    4.2
  $ 50001 -  75000     4.9            11.9          17.9                    6.8
  $ 75001 - 250000     1.3             5.0          11.1                    1.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  $     1  -  5000                  $2,677            $9                   0.53
  $  5001 -  10000                  $8,261          $261                   0.99
  $ 10001 -  15000                 $12,241          $623                   1.44
  $ 15001 -  20000                 $17,637          $571                   2.96
  $ 20001 -  25000                 $22,462        $1,008                   3.31
  $ 25001 -  30000                 $27,521        $1,574                   3.63
  $ 30001 -  35000                 $32,419        $2,229                   3.62
  $ 35001 -  40000                 $37,438        $2,911                   3.77
  $ 40001 -  45000                 $42,278        $3,772                   3.65
  $ 45001 -  50000                 $47,403        $4,168                   4.04
  $ 50001 -  75000                 $58,240        $6,108                   3.70
  $ 75001 - 250000                 $94,947       $14,790                   3.90

                    ______________________________________________________________
  TOTAL                            $24,086        $1,681                   2.67
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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         69       $-482,723        $4,520     -0.94           59
  $  5001 -  10000     113        $829,703       $15,215      1.83          160
  $ 10001 -  15000     119      $1,508,115       $71,207      4.72          174
  $ 15001 -  20000     128      $2,248,053      $155,723      6.93          206
  $ 20001 -  25000     127      $2,849,482      $218,210      7.66          239
  $ 25001 -  30000     109      $2,993,553      $265,751      8.88          201
  $ 30001 -  35000      92      $2,966,950      $270,959      9.13          196
  $ 35001 -  40000      69      $2,591,083      $242,035      9.34          176
  $ 40001 -  45000      70      $2,967,131      $300,042     10.11          182
  $ 45001 -  50000      55      $2,611,177      $257,284      9.85          152
  $ 50001 -  75000     148      $9,010,274      $976,874     10.84          421
  $ 75001 - 100000      69      $5,945,026      $734,162     12.35          239
  $100001 - 250000      70      $9,591,955    $1,610,095     16.79          256
  OVER $250,000         17     $17,137,534    $3,489,089     20.36           71

                    ______________________________________________________________
  TOTAL               1255     $62,767,313    $8,611,166     13.72         2732
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        5.5            -0.8           0.1                    2.2
  $  5001 -  10000     9.0             1.3           0.2                    5.9
  $ 10001 -  15000     9.5             2.4           0.8                    6.4
  $ 15001 -  20000    10.2             3.6           1.8                    7.5
  $ 20001 -  25000    10.1             4.5           2.5                    8.7
  $ 25001 -  30000     8.7             4.8           3.1                    7.4
  $ 30001 -  35000     7.3             4.7           3.1                    7.2
  $ 35001 -  40000     5.5             4.1           2.8                    6.4
  $ 40001 -  45000     5.6             4.7           3.5                    6.7
  $ 45001 -  50000     4.4             4.2           3.0                    5.6
  $ 50001 -  75000    11.8            14.4          11.3                   15.4
  $ 75001 - 100000     5.5             9.5           8.5                    8.7
  $100001 - 250000     5.6            15.3          18.7                    9.4
  OVER $250,000        1.4            27.3          40.5                    2.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                    $-6,996           $66                   0.86
  $  5001 -  10000                  $7,343          $135                   1.42
  $ 10001 -  15000                 $12,673          $598                   1.46
  $ 15001 -  20000                 $17,563        $1,217                   1.61
  $ 20001 -  25000                 $22,437        $1,718                   1.88
  $ 25001 -  30000                 $27,464        $2,438                   1.84
  $ 30001 -  35000                 $32,249        $2,945                   2.13
  $ 35001 -  40000                 $37,552        $3,508                   2.55
  $ 40001 -  45000                 $42,388        $4,286                   2.60
  $ 45001 -  50000                 $47,476        $4,678                   2.76
  $ 50001 -  75000                 $60,880        $6,601                   2.84
  $ 75001 - 100000                 $86,160       $10,640                   3.46
  $100001 - 250000                $137,028       $23,001                   3.66
  OVER $250,000                   $1008090      $205,241                   4.18

                    ______________________________________________________________
  TOTAL                            $50,014        $6,861                   2.18
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              12       $-210,853        $4,379     -2.08           32
  $     1  -  5000      62        $174,079          $444      0.26           35
  $  5001 -  10000      77        $591,359       $10,604      1.79          111
  $ 10001 -  15000      84      $1,044,239       $37,375      3.58          144
  $ 15001 -  20000      89      $1,568,888       $78,161      4.98          183
  $ 20001 -  25000     102      $2,299,564      $158,596      6.90          212
  $ 25001 -  30000      91      $2,500,984      $163,252      6.53          242
  $ 30001 -  35000     110      $3,579,519      $269,100      7.52          310
  $ 35001 -  40000     103      $3,870,768      $304,104      7.86          324
  $ 40001 -  45000     101      $4,289,986      $357,821      8.34          330
  $ 45001 -  50000      97      $4,605,459      $368,312      8.00          348
  $ 50001 -  75000     488     $29,865,232    $2,785,613      9.33         1850
  $ 75001 - 100000     202     $17,149,507    $1,977,677     11.53          824
  OVER $100,000         91     $13,689,009    $2,427,388     17.73          393

                    ______________________________________________________________
  TOTAL               1709     $85,017,740    $8,942,826     10.52         5338
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.2           0.0                    0.6
  $     1  -  5000     3.6             0.2           0.0                    0.7
  $  5001 -  10000     4.5             0.7           0.1                    2.1
  $ 10001 -  15000     4.9             1.2           0.4                    2.7
  $ 15001 -  20000     5.2             1.8           0.9                    3.4
  $ 20001 -  25000     6.0             2.7           1.8                    4.0
  $ 25001 -  30000     5.3             2.9           1.8                    4.5
  $ 30001 -  35000     6.4             4.2           3.0                    5.8
  $ 35001 -  40000     6.0             4.6           3.4                    6.1
  $ 40001 -  45000     5.9             5.0           4.0                    6.2
  $ 45001 -  50000     5.7             5.4           4.1                    6.5
  $ 50001 -  75000    28.6            35.1          31.1                   34.7
  $ 75001 - 100000    11.8            20.2          22.1                   15.4
  OVER $100,000        5.3            16.1          27.1                    7.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-17,571          $365                   2.67
  $     1  -  5000                  $2,808            $7                   0.56
  $  5001 -  10000                  $7,680          $138                   1.44
  $ 10001 -  15000                 $12,431          $445                   1.71
  $ 15001 -  20000                 $17,628          $878                   2.06
  $ 20001 -  25000                 $22,545        $1,555                   2.08
  $ 25001 -  30000                 $27,483        $1,794                   2.66
  $ 30001 -  35000                 $32,541        $2,446                   2.82
  $ 35001 -  40000                 $37,580        $2,952                   3.15
  $ 40001 -  45000                 $42,475        $3,543                   3.27
  $ 45001 -  50000                 $47,479        $3,797                   3.59
  $ 50001 -  75000                 $61,199        $5,708                   3.79
  $ 75001 - 100000                 $84,899        $9,790                   4.08
  OVER $100,000                   $150,429       $26,675                   4.32

                    ______________________________________________________________
  TOTAL                            $49,747        $5,233                   3.12
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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         66        $106,092          $257      0.24           84
  $  5001 -  10000      82        $604,029        $7,440      1.23          153
  $ 10001 -  15000      80        $984,157       $26,959      2.74          162
  $ 15001 -  20000      69      $1,211,031       $54,308      4.48          176
  $ 20001 -  25000      69      $1,562,296       $76,117      4.87          223
  $ 25001 -  30000      53      $1,448,275       $88,768      6.13          190
  $ 30001 -  35000      44      $1,423,529      $100,328      7.05          162
  $ 35001 -  40000      46      $1,723,366      $140,074      8.13          157
  $ 40001 -  45000      44      $1,865,228      $164,177      8.80          155
  $ 45001 -  50000      48      $2,269,123      $193,753      8.54          192
  $ 50001 -  75000     166     $10,200,160    $1,077,507     10.56          662
  $ 75001 - 100000      45      $3,786,514      $495,957     13.10          179
  $100001 - 250000      14      $1,895,052      $329,750     17.40           54

                    ______________________________________________________________
  TOTAL                826     $29,078,852    $2,755,395      9.48         2549
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        8.0             0.4           0.0                    3.3
  $  5001 -  10000     9.9             2.1           0.3                    6.0
  $ 10001 -  15000     9.7             3.4           1.0                    6.4
  $ 15001 -  20000     8.4             4.2           2.0                    6.9
  $ 20001 -  25000     8.4             5.4           2.8                    8.7
  $ 25001 -  30000     6.4             5.0           3.2                    7.5
  $ 30001 -  35000     5.3             4.9           3.6                    6.4
  $ 35001 -  40000     5.6             5.9           5.1                    6.2
  $ 40001 -  45000     5.3             6.4           6.0                    6.1
  $ 45001 -  50000     5.8             7.8           7.0                    7.5
  $ 50001 -  75000    20.1            35.1          39.1                   26.0
  $ 75001 - 100000     5.4            13.0          18.0                    7.0
  $100001 - 250000     1.7             6.5          12.0                    2.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,607            $4                   1.27
  $  5001 -  10000                  $7,366           $91                   1.87
  $ 10001 -  15000                 $12,302          $337                   2.03
  $ 15001 -  20000                 $17,551          $787                   2.55
  $ 20001 -  25000                 $22,642        $1,103                   3.23
  $ 25001 -  30000                 $27,326        $1,675                   3.58
  $ 30001 -  35000                 $32,353        $2,280                   3.68
  $ 35001 -  40000                 $37,464        $3,045                   3.41
  $ 40001 -  45000                 $42,392        $3,731                   3.52
  $ 45001 -  50000                 $47,273        $4,037                   4.00
  $ 50001 -  75000                 $61,447        $6,491                   3.99
  $ 75001 - 100000                 $84,145       $11,021                   3.98
  $100001 - 250000                $135,361       $23,554                   3.86

                    ______________________________________________________________
  TOTAL                            $35,204        $3,336                   3.09
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              29       $-827,029          $193     -0.02           64
  $     1  -  5000     142        $407,911        $1,152      0.28          159
  $  5001 -  10000     230      $1,721,579       $23,180      1.35          366
  $ 10001 -  15000     245      $3,044,439       $87,839      2.89          519
  $ 15001 -  20000     249      $4,319,296      $184,073      4.26          624
  $ 20001 -  25000     193      $4,340,178      $229,714      5.29          520
  $ 25001 -  30000     170      $4,643,826      $263,924      5.68          536
  $ 30001 -  35000     159      $5,170,704      $331,773      6.42          564
  $ 35001 -  40000     163      $6,117,698      $408,440      6.68          606
  $ 40001 -  45000     119      $5,060,323      $385,516      7.62          449
  $ 45001 -  50000     106      $5,028,140      $403,396      8.02          388
  $ 50001 -  75000     282     $16,917,775    $1,507,566      8.91         1091
  $ 75001 - 100000      85      $7,154,133      $758,324     10.60          364
  OVER $100,000         52      $9,381,285    $1,846,484     19.68          204

                    ______________________________________________________________
  TOTAL               2224     $72,480,258    $6,431,574      8.87         6454
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.3            -1.1           0.0                    1.0
  $     1  -  5000     6.4             0.6           0.0                    2.5
  $  5001 -  10000    10.3             2.4           0.4                    5.7
  $ 10001 -  15000    11.0             4.2           1.4                    8.0
  $ 15001 -  20000    11.2             6.0           2.9                    9.7
  $ 20001 -  25000     8.7             6.0           3.6                    8.1
  $ 25001 -  30000     7.6             6.4           4.1                    8.3
  $ 30001 -  35000     7.1             7.1           5.2                    8.7
  $ 35001 -  40000     7.3             8.4           6.4                    9.4
  $ 40001 -  45000     5.4             7.0           6.0                    7.0
  $ 45001 -  50000     4.8             6.9           6.3                    6.0
  $ 50001 -  75000    12.7            23.3          23.4                   16.9
  $ 75001 - 100000     3.8             9.9          11.8                    5.6
  OVER $100,000        2.3            12.9          28.7                    3.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-28,518            $7                   2.21
  $     1  -  5000                  $2,873            $8                   1.12
  $  5001 -  10000                  $7,485          $101                   1.59
  $ 10001 -  15000                 $12,426          $359                   2.12
  $ 15001 -  20000                 $17,347          $739                   2.51
  $ 20001 -  25000                 $22,488        $1,190                   2.69
  $ 25001 -  30000                 $27,317        $1,552                   3.15
  $ 30001 -  35000                 $32,520        $2,087                   3.55
  $ 35001 -  40000                 $37,532        $2,506                   3.72
  $ 40001 -  45000                 $42,524        $3,240                   3.77
  $ 45001 -  50000                 $47,435        $3,806                   3.66
  $ 50001 -  75000                 $59,992        $5,346                   3.87
  $ 75001 - 100000                 $84,166        $8,921                   4.28
  OVER $100,000                   $180,409       $35,509                   3.92

                    ______________________________________________________________
  TOTAL                            $32,590        $2,892                   2.90
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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         52        $-55,867          $796     -1.42           25
  $  5001 -  10000      62        $456,588       $12,782      2.80           70
  $ 10001 -  15000      55        $667,001       $26,084      3.91           96
  $ 15001 -  20000      50        $890,895       $48,774      5.47           95
  $ 20001 -  25000      34        $759,115       $41,431      5.46           93
  $ 25001 -  30000      41      $1,104,999       $68,392      6.19          113
  $ 30001 -  35000      43      $1,386,277       $81,322      5.87          152
  $ 35001 -  40000      45      $1,687,099      $107,407      6.37          182
  $ 40001 -  45000      55      $2,324,367      $164,932      7.10          234
  $ 45001 -  50000      60      $2,850,893      $218,473      7.66          248
  $ 50001 -  75000     185     $11,163,638      $937,688      8.40          841
  $ 75001 - 100000      77      $6,573,847      $708,391     10.78          365
  OVER $100,000         46      $7,662,827    $1,384,022     18.06          228

                    ______________________________________________________________
  TOTAL                805     $37,471,679    $3,800,494     10.14         2742
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        6.5            -0.1           0.0                    0.9
  $  5001 -  10000     7.7             1.2           0.3                    2.6
  $ 10001 -  15000     6.8             1.8           0.7                    3.5
  $ 15001 -  20000     6.2             2.4           1.3                    3.5
  $ 20001 -  25000     4.2             2.0           1.1                    3.4
  $ 25001 -  30000     5.1             2.9           1.8                    4.1
  $ 30001 -  35000     5.3             3.7           2.1                    5.5
  $ 35001 -  40000     5.6             4.5           2.8                    6.6
  $ 40001 -  45000     6.8             6.2           4.3                    8.5
  $ 45001 -  50000     7.5             7.6           5.7                    9.0
  $ 50001 -  75000    23.0            29.8          24.7                   30.7
  $ 75001 - 100000     9.6            17.5          18.6                   13.3
  OVER $100,000        5.7            20.4          36.4                    8.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                    $-1,074           $15                   0.48
  $  5001 -  10000                  $7,364          $206                   1.13
  $ 10001 -  15000                 $12,127          $474                   1.75
  $ 15001 -  20000                 $17,818          $975                   1.90
  $ 20001 -  25000                 $22,327        $1,219                   2.74
  $ 25001 -  30000                 $26,951        $1,668                   2.76
  $ 30001 -  35000                 $32,239        $1,891                   3.53
  $ 35001 -  40000                 $37,491        $2,387                   4.04
  $ 40001 -  45000                 $42,261        $2,999                   4.25
  $ 45001 -  50000                 $47,515        $3,641                   4.13
  $ 50001 -  75000                 $60,344        $5,069                   4.55
  $ 75001 - 100000                 $85,375        $9,200                   4.74
  OVER $100,000                   $166,583       $30,087                   4.96

                    ______________________________________________________________
  TOTAL                            $46,549        $4,721                   3.41
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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         78        $112,381        $2,065      1.84           87
  $  5001 -  10000     106        $794,854       $10,810      1.36          182
  $ 10001 -  15000     116      $1,456,644       $34,795      2.39          263
  $ 15001 -  20000     116      $2,018,235       $84,369      4.18          309
  $ 20001 -  25000     149      $3,333,367      $162,354      4.87          471
  $ 25001 -  30000     147      $4,030,453      $222,890      5.53          526
  $ 30001 -  35000     137      $4,460,737      $313,868      7.04          472
  $ 35001 -  40000     115      $4,331,517      $323,779      7.47          422
  $ 40001 -  45000     116      $4,913,387      $365,632      7.44          471
  $ 45001 -  50000     105      $4,991,146      $406,629      8.15          429
  $ 50001 -  75000     266     $15,976,459    $1,433,005      8.97         1141
  $ 75001 - 100000     105      $8,878,639    $1,028,844     11.59          452
  OVER $100,000         47      $8,240,080    $1,282,674     15.57          228

                    ______________________________________________________________
  TOTAL               1603     $63,537,899    $5,671,714      8.93         5453
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        4.9             0.2           0.0                    1.6
  $  5001 -  10000     6.6             1.3           0.2                    3.3
  $ 10001 -  15000     7.2             2.3           0.6                    4.8
  $ 15001 -  20000     7.2             3.2           1.5                    5.7
  $ 20001 -  25000     9.3             5.2           2.9                    8.6
  $ 25001 -  30000     9.2             6.3           3.9                    9.6
  $ 30001 -  35000     8.5             7.0           5.5                    8.7
  $ 35001 -  40000     7.2             6.8           5.7                    7.7
  $ 40001 -  45000     7.2             7.7           6.4                    8.6
  $ 45001 -  50000     6.6             7.9           7.2                    7.9
  $ 50001 -  75000    16.6            25.1          25.3                   20.9
  $ 75001 - 100000     6.6            14.0          18.1                    8.3
  OVER $100,000        2.9            13.0          22.6                    4.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,441           $26                   1.12
  $  5001 -  10000                  $7,499          $102                   1.72
  $ 10001 -  15000                 $12,557          $300                   2.27
  $ 15001 -  20000                 $17,399          $727                   2.66
  $ 20001 -  25000                 $22,372        $1,090                   3.16
  $ 25001 -  30000                 $27,418        $1,516                   3.58
  $ 30001 -  35000                 $32,560        $2,291                   3.45
  $ 35001 -  40000                 $37,665        $2,815                   3.67
  $ 40001 -  45000                 $42,357        $3,152                   4.06
  $ 45001 -  50000                 $47,535        $3,873                   4.09
  $ 50001 -  75000                 $60,062        $5,387                   4.29
  $ 75001 - 100000                 $84,558        $9,799                   4.30
  OVER $100,000                   $175,321       $27,291                   4.85

                    ______________________________________________________________
  TOTAL                            $39,637        $3,538                   3.40
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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      45        $111,963          $678      0.61           49
  $  5001 -  10000      83        $617,191        $5,800      0.94          147
  $ 10001 -  15000      83      $1,058,240       $21,790      2.06          195
  $ 15001 -  20000      94      $1,624,502       $63,964      3.94          217
  $ 20001 -  25000      94      $2,101,522      $108,059      5.14          245
  $ 25001 -  30000     110      $3,023,972      $190,707      6.31          305
  $ 30001 -  35000     111      $3,619,467      $258,720      7.15          333
  $ 35001 -  40000      92      $3,420,661      $245,425      7.17          309
  $ 40001 -  45000      78      $3,284,277      $271,791      8.28          249
  $ 45001 -  50000      64      $3,036,393      $252,213      8.31          227
  $ 50001 -  75000     134      $8,027,949      $768,852      9.58          489
  $ 75001 - 100000      40      $3,357,628      $429,661     12.80          140
  OVER $100,000         27      $4,784,627      $870,111     18.19           99

                    ______________________________________________________________
  TOTAL               1065     $37,798,347    $3,487,771      9.23         3024
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.9            -0.7           0.0                    0.7
  $     1  -  5000     4.2             0.3           0.0                    1.6
  $  5001 -  10000     7.8             1.6           0.2                    4.9
  $ 10001 -  15000     7.8             2.8           0.6                    6.4
  $ 15001 -  20000     8.8             4.3           1.8                    7.2
  $ 20001 -  25000     8.8             5.6           3.1                    8.1
  $ 25001 -  30000    10.3             8.0           5.5                   10.1
  $ 30001 -  35000    10.4             9.6           7.4                   11.0
  $ 35001 -  40000     8.6             9.0           7.0                   10.2
  $ 40001 -  45000     7.3             8.7           7.8                    8.2
  $ 45001 -  50000     6.0             8.0           7.2                    7.5
  $ 50001 -  75000    12.6            21.2          22.0                   16.2
  $ 75001 - 100000     3.8             8.9          12.3                    4.6
  OVER $100,000        2.5            12.7          24.9                    3.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-27,005            $0                   2.00
  $     1  -  5000                  $2,488           $15                   1.09
  $  5001 -  10000                  $7,436           $70                   1.77
  $ 10001 -  15000                 $12,750          $263                   2.35
  $ 15001 -  20000                 $17,282          $680                   2.31
  $ 20001 -  25000                 $22,357        $1,150                   2.61
  $ 25001 -  30000                 $27,491        $1,734                   2.77
  $ 30001 -  35000                 $32,608        $2,331                   3.00
  $ 35001 -  40000                 $37,181        $2,668                   3.36
  $ 40001 -  45000                 $42,106        $3,485                   3.19
  $ 45001 -  50000                 $47,444        $3,941                   3.55
  $ 50001 -  75000                 $59,910        $5,738                   3.65
  $ 75001 - 100000                 $83,941       $10,742                   3.50
  OVER $100,000                   $177,208       $32,226                   3.67

                    ______________________________________________________________
  TOTAL                            $35,491        $3,275                   2.84
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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         59        $-91,095          $663     -0.73           63
  $  5001 -  10000      69        $541,774        $8,621      1.59          120
  $ 10001 -  15000      77        $975,107       $34,346      3.52          139
  $ 15001 -  20000      88      $1,539,747       $80,470      5.23          192
  $ 20001 -  25000      70      $1,576,622      $113,384      7.19          141
  $ 25001 -  30000      80      $2,182,140      $155,960      7.15          218
  $ 30001 -  35000      59      $1,898,492      $147,593      7.77          155
  $ 35001 -  40000      58      $2,182,229      $184,461      8.45          171
  $ 40001 -  45000      48      $2,027,104      $144,102      7.11          190
  $ 45001 -  50000      44      $2,100,782      $189,668      9.03          154
  $ 50001 -  75000     142      $8,498,420      $788,407      9.28          552
  $ 75001 - 100000      39      $3,327,451      $384,950     11.57          149
  OVER $100,000         42      $7,110,517    $1,178,502     16.57          183

                    ______________________________________________________________
  TOTAL                875     $33,869,290    $3,411,127     10.07         2427
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        6.7            -0.3           0.0                    2.6
  $  5001 -  10000     7.9             1.6           0.3                    4.9
  $ 10001 -  15000     8.8             2.9           1.0                    5.7
  $ 15001 -  20000    10.1             4.5           2.4                    7.9
  $ 20001 -  25000     8.0             4.7           3.3                    5.8
  $ 25001 -  30000     9.1             6.4           4.6                    9.0
  $ 30001 -  35000     6.7             5.6           4.3                    6.4
  $ 35001 -  40000     6.6             6.4           5.4                    7.0
  $ 40001 -  45000     5.5             6.0           4.2                    7.8
  $ 45001 -  50000     5.0             6.2           5.6                    6.3
  $ 50001 -  75000    16.2            25.1          23.1                   22.7
  $ 75001 - 100000     4.5             9.8          11.3                    6.1
  OVER $100,000        4.8            21.0          34.5                    7.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                    $-1,544           $11                   1.07
  $  5001 -  10000                  $7,852          $125                   1.74
  $ 10001 -  15000                 $12,664          $446                   1.81
  $ 15001 -  20000                 $17,497          $914                   2.18
  $ 20001 -  25000                 $22,523        $1,620                   2.01
  $ 25001 -  30000                 $27,277        $1,950                   2.73
  $ 30001 -  35000                 $32,178        $2,502                   2.63
  $ 35001 -  40000                 $37,625        $3,180                   2.95
  $ 40001 -  45000                 $42,231        $3,002                   3.96
  $ 45001 -  50000                 $47,745        $4,311                   3.50
  $ 50001 -  75000                 $59,848        $5,552                   3.89
  $ 75001 - 100000                 $85,319        $9,871                   3.82
  OVER $100,000                   $169,298       $28,060                   4.36

                    ______________________________________________________________
  TOTAL                            $38,708        $3,898                   2.77
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              25       $-792,810        $6,315     -0.80           48
  $     1  -  5000     120        $331,367          $945      0.29          159
  $  5001 -  10000     134      $1,014,166       $16,666      1.64          202
  $ 10001 -  15000     143      $1,815,246       $53,524      2.95          287
  $ 15001 -  20000     156      $2,741,428      $124,604      4.55          361
  $ 20001 -  25000      97      $2,203,746      $129,690      5.88          242
  $ 25001 -  30000      85      $2,339,773      $159,952      6.84          229
  $ 30001 -  35000      85      $2,757,401      $196,946      7.14          254
  $ 35001 -  40000      90      $3,355,682      $252,074      7.51          289
  $ 40001 -  45000      61      $2,601,476      $211,269      8.12          220
  $ 45001 -  50000      53      $2,525,531      $205,031      8.12          200
  $ 50001 -  75000     164      $9,958,449      $973,833      9.78          615
  $ 75001 - 100000      55      $4,656,039      $533,279     11.45          227
  OVER $100,000         32      $5,880,644    $1,216,441     20.69          129

                    ______________________________________________________________
  TOTAL               1300     $41,388,138    $4,080,569      9.86         3462
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.9            -1.9           0.2                    1.4
  $     1  -  5000     9.2             0.8           0.0                    4.6
  $  5001 -  10000    10.3             2.5           0.4                    5.8
  $ 10001 -  15000    11.0             4.4           1.3                    8.3
  $ 15001 -  20000    12.0             6.6           3.1                   10.4
  $ 20001 -  25000     7.5             5.3           3.2                    7.0
  $ 25001 -  30000     6.5             5.7           3.9                    6.6
  $ 30001 -  35000     6.5             6.7           4.8                    7.3
  $ 35001 -  40000     6.9             8.1           6.2                    8.3
  $ 40001 -  45000     4.7             6.3           5.2                    6.4
  $ 45001 -  50000     4.1             6.1           5.0                    5.8
  $ 50001 -  75000    12.6            24.1          23.9                   17.8
  $ 75001 - 100000     4.2            11.2          13.1                    6.6
  OVER $100,000        2.5            14.2          29.8                    3.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-31,712          $253                   1.92
  $     1  -  5000                  $2,761            $8                   1.33
  $  5001 -  10000                  $7,568          $124                   1.51
  $ 10001 -  15000                 $12,694          $374                   2.01
  $ 15001 -  20000                 $17,573          $799                   2.31
  $ 20001 -  25000                 $22,719        $1,337                   2.49
  $ 25001 -  30000                 $27,527        $1,882                   2.69
  $ 30001 -  35000                 $32,440        $2,317                   2.99
  $ 35001 -  40000                 $37,285        $2,801                   3.21
  $ 40001 -  45000                 $42,647        $3,463                   3.61
  $ 45001 -  50000                 $47,652        $3,869                   3.77
  $ 50001 -  75000                 $60,722        $5,938                   3.75
  $ 75001 - 100000                 $84,655        $9,696                   4.13
  OVER $100,000                   $183,770       $38,014                   4.03

                    ______________________________________________________________
  TOTAL                            $31,837        $3,139                   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 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              22       $-622,626      $338,541     -54.4           56
  $     1  -  5000     195        $514,379        $2,171      0.42          126
  $  5001 -  10000     250      $1,866,890       $34,458      1.85          323
  $ 10001 -  15000     273      $3,462,305      $136,313      3.94          464
  $ 15001 -  20000     298      $5,261,781      $247,727      4.71          629
  $ 20001 -  25000     282      $6,369,908      $364,995      5.73          702
  $ 25001 -  30000     273      $7,507,931      $491,241      6.54          752
  $ 30001 -  35000     304      $9,901,958      $708,656      7.16          894
  $ 35001 -  40000     340     $12,778,685      $955,882      7.48         1093
  $ 40001 -  45000     332     $14,094,140    $1,068,434      7.58         1191
  $ 45001 -  50000     330     $15,685,495    $1,263,788      8.06         1262
  $ 50001 -  75000    1439     $88,533,144    $7,546,099      8.52         6115
  $ 75001 - 100000     707     $60,651,732    $6,564,891     10.82         3039
  $100001 - 250000     546     $73,074,519   $10,704,098     14.65         2587
  OVER $250,000         58     $29,868,024    $7,689,226     25.74          280

                    ______________________________________________________________
  TOTAL               5649    $328,948,265   $38,116,520     11.59        19513
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.2           0.9                    0.3
  $     1  -  5000     3.5             0.2           0.0                    0.6
  $  5001 -  10000     4.4             0.6           0.1                    1.7
  $ 10001 -  15000     4.8             1.1           0.4                    2.4
  $ 15001 -  20000     5.3             1.6           0.6                    3.2
  $ 20001 -  25000     5.0             1.9           1.0                    3.6
  $ 25001 -  30000     4.8             2.3           1.3                    3.9
  $ 30001 -  35000     5.4             3.0           1.9                    4.6
  $ 35001 -  40000     6.0             3.9           2.5                    5.6
  $ 40001 -  45000     5.9             4.3           2.8                    6.1
  $ 45001 -  50000     5.8             4.8           3.3                    6.5
  $ 50001 -  75000    25.5            26.9          19.8                   31.3
  $ 75001 - 100000    12.5            18.4          17.2                   15.6
  $100001 - 250000     9.7            22.2          28.1                   13.3
  OVER $250,000        1.0             9.1          20.2                    1.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-28,301       $15,388                   2.55
  $     1  -  5000                  $2,638           $11                   0.65
  $  5001 -  10000                  $7,468          $138                   1.29
  $ 10001 -  15000                 $12,682          $499                   1.70
  $ 15001 -  20000                 $17,657          $831                   2.11
  $ 20001 -  25000                 $22,588        $1,294                   2.49
  $ 25001 -  30000                 $27,502        $1,799                   2.75
  $ 30001 -  35000                 $32,572        $2,331                   2.94
  $ 35001 -  40000                 $37,584        $2,811                   3.21
  $ 40001 -  45000                 $42,452        $3,218                   3.59
  $ 45001 -  50000                 $47,532        $3,830                   3.82
  $ 50001 -  75000                 $61,524        $5,244                   4.25
  $ 75001 - 100000                 $85,787        $9,286                   4.30
  $100001 - 250000                $133,836       $19,605                   4.74
  OVER $250,000                   $514,966      $132,573                   4.83

                    ______________________________________________________________
  TOTAL                            $58,231        $6,747                   3.45
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              17       $-296,997            $0      0.00           41
  $     1  -  5000     465      $1,282,064        $2,380      0.19          536
  $  5001 -  10000     707      $5,379,417       $82,093      1.53         1228
  $ 10001 -  15000     822     $10,304,732      $322,315      3.13         1697
  $ 15001 -  20000     949     $16,588,041      $784,260      4.73         2210
  $ 20001 -  25000     862     $19,315,410    $1,168,034      6.05         2177
  $ 25001 -  30000     780     $21,417,237    $1,381,856      6.45         2316
  $ 30001 -  35000     740     $23,980,894    $1,647,660      6.87         2379
  $ 35001 -  40000     739     $27,701,479    $2,099,105      7.58         2553
  $ 40001 -  45000     707     $29,976,638    $2,401,295      8.01         2539
  $ 45001 -  50000     597     $28,303,170    $2,376,824      8.40         2207
  $ 50001 -  75000    1549     $92,717,139    $8,632,676      9.31         6195
  $ 75001 - 100000     378     $31,836,602    $3,450,591     10.84         1745
  OVER $100,000         98     $12,885,125    $1,962,678     15.23          487

                    ______________________________________________________________
  TOTAL               9410    $321,390,951   $26,311,767      8.19        28310
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.2            -0.1           0.0                    0.1
  $     1  -  5000     4.9             0.4           0.0                    1.9
  $  5001 -  10000     7.5             1.7           0.3                    4.3
  $ 10001 -  15000     8.7             3.2           1.2                    6.0
  $ 15001 -  20000    10.1             5.2           3.0                    7.8
  $ 20001 -  25000     9.2             6.0           4.4                    7.7
  $ 25001 -  30000     8.3             6.7           5.3                    8.2
  $ 30001 -  35000     7.9             7.5           6.3                    8.4
  $ 35001 -  40000     7.9             8.6           8.0                    9.0
  $ 40001 -  45000     7.5             9.3           9.1                    9.0
  $ 45001 -  50000     6.3             8.8           9.0                    7.8
  $ 50001 -  75000    16.5            28.8          32.8                   21.9
  $ 75001 - 100000     4.0             9.9          13.1                    6.2
  OVER $100,000        1.0             4.0           7.5                    1.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-17,470            $0                   2.41
  $     1  -  5000                  $2,757            $5                   1.15
  $  5001 -  10000                  $7,609          $116                   1.74
  $ 10001 -  15000                 $12,536          $392                   2.06
  $ 15001 -  20000                 $17,479          $826                   2.33
  $ 20001 -  25000                 $22,408        $1,355                   2.53
  $ 25001 -  30000                 $27,458        $1,772                   2.97
  $ 30001 -  35000                 $32,407        $2,227                   3.21
  $ 35001 -  40000                 $37,485        $2,840                   3.45
  $ 40001 -  45000                 $42,400        $3,396                   3.59
  $ 45001 -  50000                 $47,409        $3,981                   3.70
  $ 50001 -  75000                 $59,856        $5,573                   4.00
  $ 75001 - 100000                 $84,224        $9,129                   4.62
  OVER $100,000                   $131,481       $20,027                   4.97

                    ______________________________________________________________
  TOTAL                            $34,154        $2,796                   3.01
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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         84         $85,355        $1,519      1.78          129
  $  5001 -  10000     101        $784,285       $12,934      1.65          179
  $ 10001 -  15000      99      $1,239,986       $31,129      2.51          203
  $ 15001 -  20000     103      $1,798,809       $66,666      3.71          273
  $ 20001 -  25000      94      $2,118,665      $100,743      4.76          289
  $ 25001 -  30000      86      $2,361,562      $142,701      6.04          278
  $ 30001 -  35000      68      $2,193,380      $133,227      6.07          246
  $ 35001 -  40000      67      $2,510,082      $177,091      7.06          257
  $ 40001 -  45000      57      $2,416,483      $174,365      7.22          230
  $ 45001 -  50000      36      $1,699,636      $142,642      8.39          133
  $ 50001 -  75000      82      $4,900,555      $427,830      8.73          331
  $ 75001 - 100000      20      $1,719,572      $206,440     12.01           81
  OVER $100,000         11      $1,660,590      $259,942     15.65           35

                    ______________________________________________________________
  TOTAL                908     $25,488,960    $1,877,229      7.36         2664
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        9.3             0.3           0.1                    4.8
  $  5001 -  10000    11.1             3.1           0.7                    6.7
  $ 10001 -  15000    10.9             4.9           1.7                    7.6
  $ 15001 -  20000    11.3             7.1           3.6                   10.2
  $ 20001 -  25000    10.4             8.3           5.4                   10.8
  $ 25001 -  30000     9.5             9.3           7.6                   10.4
  $ 30001 -  35000     7.5             8.6           7.1                    9.2
  $ 35001 -  40000     7.4             9.8           9.4                    9.6
  $ 40001 -  45000     6.3             9.5           9.3                    8.6
  $ 45001 -  50000     4.0             6.7           7.6                    5.0
  $ 50001 -  75000     9.0            19.2          22.8                   12.4
  $ 75001 - 100000     2.2             6.7          11.0                    3.0
  OVER $100,000        1.2             6.5          13.8                    1.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,016           $18                   1.54
  $  5001 -  10000                  $7,765          $128                   1.77
  $ 10001 -  15000                 $12,525          $314                   2.05
  $ 15001 -  20000                 $17,464          $647                   2.65
  $ 20001 -  25000                 $22,539        $1,072                   3.07
  $ 25001 -  30000                 $27,460        $1,659                   3.23
  $ 30001 -  35000                 $32,256        $1,959                   3.62
  $ 35001 -  40000                 $37,464        $2,643                   3.84
  $ 40001 -  45000                 $42,394        $3,059                   4.04
  $ 45001 -  50000                 $47,212        $3,962                   3.69
  $ 50001 -  75000                 $59,763        $5,217                   4.04
  $ 75001 - 100000                 $85,979       $10,322                   4.05
  OVER $100,000                   $150,963       $23,631                   3.18

                    ______________________________________________________________
  TOTAL                            $28,072        $2,067                   2.93
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              45     $-1,752,424        $8,107     -0.46          132
  $     1  -  5000     788      $2,122,830        $6,590      0.31          810
  $  5001 -  10000     934      $7,151,444      $143,116      2.00         1360
  $ 10001 -  15000    1091     $13,689,480      $529,892      3.87         1952
  $ 15001 -  20000    1228     $21,446,613    $1,158,092      5.40         2485
  $ 20001 -  25000    1169     $26,287,700    $1,724,455      6.56         2653
  $ 25001 -  30000    1164     $32,044,527    $2,320,804      7.24         2949
  $ 30001 -  35000    1148     $37,227,857    $2,863,767      7.69         3102
  $ 35001 -  40000    1105     $41,481,890    $3,370,199      8.12         3389
  $ 40001 -  45000    1079     $45,855,305    $3,869,826      8.44         3466
  $ 45001 -  50000    1036     $49,119,031    $4,286,404      8.73         3550
  $ 50001 -  75000    3642    $222,830,298   $21,181,986      9.51        13662
  $ 75001 - 100000    1659    $141,988,785   $16,547,734     11.65         6616
  $100001 - 250000    1010    $131,564,769   $19,984,007     15.19         4380
  OVER $250,000         90     $57,763,950   $13,987,155     24.21          388

                    ______________________________________________________________
  TOTAL              17188    $828,822,055   $91,982,134     11.10        50894
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.3            -0.2           0.0                    0.3
  $     1  -  5000     4.6             0.3           0.0                    1.6
  $  5001 -  10000     5.4             0.9           0.2                    2.7
  $ 10001 -  15000     6.3             1.7           0.6                    3.8
  $ 15001 -  20000     7.1             2.6           1.3                    4.9
  $ 20001 -  25000     6.8             3.2           1.9                    5.2
  $ 25001 -  30000     6.8             3.9           2.5                    5.8
  $ 30001 -  35000     6.7             4.5           3.1                    6.1
  $ 35001 -  40000     6.4             5.0           3.7                    6.7
  $ 40001 -  45000     6.3             5.5           4.2                    6.8
  $ 45001 -  50000     6.0             5.9           4.7                    7.0
  $ 50001 -  75000    21.2            26.9          23.0                   26.8
  $ 75001 - 100000     9.7            17.1          18.0                   13.0
  $100001 - 250000     5.9            15.9          21.7                    8.6
  OVER $250,000        0.5             7.0          15.2                    0.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-38,943          $180                   2.93
  $     1  -  5000                  $2,694            $8                   1.03
  $  5001 -  10000                  $7,657          $153                   1.46
  $ 10001 -  15000                 $12,548          $486                   1.79
  $ 15001 -  20000                 $17,465          $943                   2.02
  $ 20001 -  25000                 $22,487        $1,475                   2.27
  $ 25001 -  30000                 $27,530        $1,994                   2.53
  $ 30001 -  35000                 $32,428        $2,495                   2.70
  $ 35001 -  40000                 $37,540        $3,050                   3.07
  $ 40001 -  45000                 $42,498        $3,586                   3.21
  $ 45001 -  50000                 $47,412        $4,137                   3.43
  $ 50001 -  75000                 $61,183        $5,816                   3.75
  $ 75001 - 100000                 $85,587        $9,975                   3.99
  $100001 - 250000                $130,262       $19,786                   4.34
  OVER $250,000                   $641,822      $155,413                   4.31

                    ______________________________________________________________
  TOTAL                            $48,221        $5,352                   2.96
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              24       $-375,973        $9,576     -2.55           65
  $     1  -  5000     192        $511,105        $1,256      0.25          192
  $  5001 -  10000     230      $1,739,989       $31,588      1.82          357
  $ 10001 -  15000     272      $3,366,494      $106,953      3.18          529
  $ 15001 -  20000     299      $5,234,042      $232,420      4.44          736
  $ 20001 -  25000     300      $6,786,251      $375,214      5.53          788
  $ 25001 -  30000     318      $8,736,046      $548,327      6.28          944
  $ 30001 -  35000     283      $9,241,790      $562,482      6.09         1020
  $ 35001 -  40000     344     $12,929,662      $914,833      7.08         1225
  $ 40001 -  45000     337     $14,324,668    $1,022,437      7.14         1297
  $ 45001 -  50000     274     $13,018,895    $1,003,021      7.70         1091
  $ 50001 -  75000    1060     $64,351,213    $5,576,726      8.67         4351
  $ 75001 - 100000     395     $33,354,713    $3,523,839     10.56         1779
  $100001 - 250000     170     $21,949,574    $3,194,757     14.55          836
  OVER $250,000         21     $11,366,007    $3,346,988     29.45           93

                    ______________________________________________________________
  TOTAL               4519    $206,534,476   $20,450,417      9.90        15303
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.2           0.0                    0.4
  $     1  -  5000     4.2             0.2           0.0                    1.3
  $  5001 -  10000     5.1             0.8           0.2                    2.3
  $ 10001 -  15000     6.0             1.6           0.5                    3.5
  $ 15001 -  20000     6.6             2.5           1.1                    4.8
  $ 20001 -  25000     6.6             3.3           1.8                    5.1
  $ 25001 -  30000     7.0             4.2           2.7                    6.2
  $ 30001 -  35000     6.3             4.5           2.8                    6.7
  $ 35001 -  40000     7.6             6.3           4.5                    8.0
  $ 40001 -  45000     7.5             6.9           5.0                    8.5
  $ 45001 -  50000     6.1             6.3           4.9                    7.1
  $ 50001 -  75000    23.5            31.2          27.3                   28.4
  $ 75001 - 100000     8.7            16.1          17.2                   11.6
  $100001 - 250000     3.8            10.6          15.6                    5.5
  OVER $250,000        0.5             5.5          16.4                    0.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-15,666          $399                   2.71
  $     1  -  5000                  $2,662            $7                   1.00
  $  5001 -  10000                  $7,565          $137                   1.55
  $ 10001 -  15000                 $12,377          $393                   1.94
  $ 15001 -  20000                 $17,505          $777                   2.46
  $ 20001 -  25000                 $22,621        $1,251                   2.63
  $ 25001 -  30000                 $27,472        $1,724                   2.97
  $ 30001 -  35000                 $32,657        $1,988                   3.60
  $ 35001 -  40000                 $37,586        $2,659                   3.56
  $ 40001 -  45000                 $42,506        $3,034                   3.85
  $ 45001 -  50000                 $47,514        $3,661                   3.98
  $ 50001 -  75000                 $60,709        $5,261                   4.10
  $ 75001 - 100000                 $84,442        $8,921                   4.50
  $100001 - 250000                $129,115       $18,793                   4.92
  OVER $250,000                   $541,238      $159,380                   4.43

                    ______________________________________________________________
  TOTAL                            $45,704        $4,525                   3.39
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      LINDON UT
                        _________________________________________________
  UNDER $1              12       $-769,409        $3,211     -0.42           33
  $     1  -  5000      74        $201,645          $747      0.37           58
  $  5001 -  10000      73        $544,540       $10,931      2.01          118
  $ 10001 -  15000      91      $1,138,924       $36,598      3.21          184
  $ 15001 -  20000      87      $1,522,008       $63,461      4.17          207
  $ 20001 -  25000      69      $1,552,866       $75,932      4.89          201
  $ 25001 -  30000      75      $2,034,862      $117,774      5.79          226
  $ 30001 -  35000      91      $2,945,502      $179,041      6.08          315
  $ 35001 -  40000      95      $3,569,152      $243,872      6.83          354
  $ 40001 -  45000      83      $3,510,523      $226,261      6.45          336
  $ 45001 -  50000      91      $4,324,401      $277,104      6.41          377
  $ 50001 -  75000     383     $23,585,406    $1,875,561      7.95         1740
  $ 75001 - 100000     231     $19,740,496    $1,946,591      9.86         1134
  $100001 - 250000     210     $29,248,315    $4,375,457     14.96         1024
  OVER $250,000         30     $11,051,070    $2,778,682     25.14          169

                    ______________________________________________________________
  TOTAL               1695    $104,200,301   $12,211,223     11.72         6476
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.7           0.0                    0.5
  $     1  -  5000     4.4             0.2           0.0                    0.9
  $  5001 -  10000     4.3             0.5           0.1                    1.8
  $ 10001 -  15000     5.4             1.1           0.3                    2.8
  $ 15001 -  20000     5.1             1.5           0.5                    3.2
  $ 20001 -  25000     4.1             1.5           0.6                    3.1
  $ 25001 -  30000     4.4             2.0           1.0                    3.5
  $ 30001 -  35000     5.4             2.8           1.5                    4.9
  $ 35001 -  40000     5.6             3.4           2.0                    5.5
  $ 40001 -  45000     4.9             3.4           1.9                    5.2
  $ 45001 -  50000     5.4             4.2           2.3                    5.8
  $ 50001 -  75000    22.6            22.6          15.4                   26.9
  $ 75001 - 100000    13.6            18.9          15.9                   17.5
  $100001 - 250000    12.4            28.1          35.8                   15.8
  OVER $250,000        1.8            10.6          22.8                    2.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-64,117          $268                   2.75
  $     1  -  5000                  $2,725           $10                   0.78
  $  5001 -  10000                  $7,459          $150                   1.62
  $ 10001 -  15000                 $12,516          $402                   2.02
  $ 15001 -  20000                 $17,494          $729                   2.38
  $ 20001 -  25000                 $22,505        $1,100                   2.91
  $ 25001 -  30000                 $27,131        $1,570                   3.01
  $ 30001 -  35000                 $32,368        $1,967                   3.46
  $ 35001 -  40000                 $37,570        $2,567                   3.73
  $ 40001 -  45000                 $42,295        $2,726                   4.05
  $ 45001 -  50000                 $47,521        $3,045                   4.14
  $ 50001 -  75000                 $61,581        $4,897                   4.54
  $ 75001 - 100000                 $85,457        $8,427                   4.91
  $100001 - 250000                $139,278       $20,836                   4.88
  OVER $250,000                   $368,369       $92,623                   5.63

                    ______________________________________________________________
  TOTAL                            $61,475        $7,204                   3.82
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              94       $-911,777        $1,545     -0.17          157
  $     1  -  5000    1343      $3,938,944       $23,300      0.59         1167
  $  5001 -  10000    1820     $13,698,351      $304,201      2.22         2212
  $ 10001 -  15000    1784     $22,322,235      $872,280      3.91         3096
  $ 15001 -  20000    1599     $28,037,635    $1,452,662      5.18         3354
  $ 20001 -  25000    1312     $29,441,888    $1,926,741      6.54         3039
  $ 25001 -  30000    1025     $28,121,765    $2,014,962      7.17         2714
  $ 30001 -  35000     872     $28,236,313    $2,256,624      7.99         2384
  $ 35001 -  40000     710     $26,563,451    $2,288,550      8.62         2038
  $ 40001 -  45000     582     $24,694,792    $2,204,426      8.93         1897
  $ 45001 -  50000     471     $22,368,947    $2,060,214      9.21         1543
  $ 50001 -  75000    1423     $86,533,650    $8,735,534     10.09         5220
  $ 75001 - 100000     568     $48,688,547    $5,954,695     12.23         2176
  $100001 - 250000     538     $73,943,627   $12,142,537     16.42         2099
  OVER $250,000         74     $41,925,813   $10,104,242     24.10          294

                    ______________________________________________________________
  TOTAL              14215    $477,604,181   $52,342,513     10.96        33390
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.2           0.0                    0.5
  $     1  -  5000     9.4             0.8           0.0                    3.5
  $  5001 -  10000    12.8             2.9           0.6                    6.6
  $ 10001 -  15000    12.6             4.7           1.7                    9.3
  $ 15001 -  20000    11.2             5.9           2.8                   10.0
  $ 20001 -  25000     9.2             6.2           3.7                    9.1
  $ 25001 -  30000     7.2             5.9           3.8                    8.1
  $ 30001 -  35000     6.1             5.9           4.3                    7.1
  $ 35001 -  40000     5.0             5.6           4.4                    6.1
  $ 40001 -  45000     4.1             5.2           4.2                    5.7
  $ 45001 -  50000     3.3             4.7           3.9                    4.6
  $ 50001 -  75000    10.0            18.1          16.7                   15.6
  $ 75001 - 100000     4.0            10.2          11.4                    6.5
  $100001 - 250000     3.8            15.5          23.2                    6.3
  OVER $250,000        0.5             8.8          19.3                    0.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-9,700           $16                   1.67
  $     1  -  5000                  $2,933           $17                   0.87
  $  5001 -  10000                  $7,527          $167                   1.22
  $ 10001 -  15000                 $12,512          $489                   1.74
  $ 15001 -  20000                 $17,534          $908                   2.10
  $ 20001 -  25000                 $22,440        $1,469                   2.32
  $ 25001 -  30000                 $27,436        $1,966                   2.65
  $ 30001 -  35000                 $32,381        $2,588                   2.73
  $ 35001 -  40000                 $37,413        $3,223                   2.87
  $ 40001 -  45000                 $42,431        $3,788                   3.26
  $ 45001 -  50000                 $47,492        $4,374                   3.28
  $ 50001 -  75000                 $60,811        $6,139                   3.67
  $ 75001 - 100000                 $85,719       $10,484                   3.83
  $100001 - 250000                $137,442       $22,570                   3.90
  OVER $250,000                   $566,565      $136,544                   3.97

                    ______________________________________________________________
  TOTAL                            $33,599        $3,682                   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 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              13       $-378,565          $433     -0.11           22
  $     1  -  5000     333        $970,807        $1,446      0.15          412
  $  5001 -  10000     440      $3,274,450       $44,967      1.37          746
  $ 10001 -  15000     516      $6,527,217      $216,391      3.32         1048
  $ 15001 -  20000     589     $10,237,573      $512,963      5.01         1321
  $ 20001 -  25000     614     $13,848,922      $817,911      5.91         1591
  $ 25001 -  30000     568     $15,625,853    $1,059,293      6.78         1644
  $ 30001 -  35000     554     $18,003,541    $1,325,114      7.36         1679
  $ 35001 -  40000     598     $22,388,879    $1,763,152      7.88         1989
  $ 40001 -  45000     517     $21,965,850    $1,836,264      8.36         1761
  $ 45001 -  50000     413     $19,596,435    $1,674,892      8.55         1464
  $ 50001 -  75000    1068     $64,186,270    $6,216,215      9.68         4082
  $ 75001 - 100000     263     $22,255,414    $2,524,426     11.34         1180
  $100001 - 250000      91     $10,993,788    $1,564,686     14.23          410

                    ______________________________________________________________
  TOTAL               6577    $229,496,434   $19,558,153      8.52        19349
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.2            -0.2           0.0                    0.1
  $     1  -  5000     5.1             0.4           0.0                    2.1
  $  5001 -  10000     6.7             1.4           0.2                    3.9
  $ 10001 -  15000     7.8             2.8           1.1                    5.4
  $ 15001 -  20000     9.0             4.5           2.6                    6.8
  $ 20001 -  25000     9.3             6.0           4.2                    8.2
  $ 25001 -  30000     8.6             6.8           5.4                    8.5
  $ 30001 -  35000     8.4             7.8           6.8                    8.7
  $ 35001 -  40000     9.1             9.8           9.0                   10.3
  $ 40001 -  45000     7.9             9.6           9.4                    9.1
  $ 45001 -  50000     6.3             8.5           8.6                    7.6
  $ 50001 -  75000    16.2            28.0          31.8                   21.1
  $ 75001 - 100000     4.0             9.7          12.9                    6.1
  $100001 - 250000     1.4             4.8           8.0                    2.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-29,120           $33                   1.69
  $     1  -  5000                  $2,915            $4                   1.24
  $  5001 -  10000                  $7,442          $102                   1.70
  $ 10001 -  15000                 $12,650          $419                   2.03
  $ 15001 -  20000                 $17,381          $871                   2.24
  $ 20001 -  25000                 $22,555        $1,332                   2.59
  $ 25001 -  30000                 $27,510        $1,865                   2.89
  $ 30001 -  35000                 $32,497        $2,392                   3.03
  $ 35001 -  40000                 $37,440        $2,948                   3.33
  $ 40001 -  45000                 $42,487        $3,552                   3.41
  $ 45001 -  50000                 $47,449        $4,055                   3.54
  $ 50001 -  75000                 $60,100        $5,820                   3.82
  $ 75001 - 100000                 $84,621        $9,599                   4.49
  $100001 - 250000                $120,811       $17,194                   4.51

                    ______________________________________________________________
  TOTAL                            $34,894        $2,974                   2.94
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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         73        $-40,306          $476     -1.18          104
  $  5001 -  10000      88        $651,915        $5,929      0.91          212
  $ 10001 -  15000      63        $779,946       $14,869      1.91          152
  $ 15001 -  20000      79      $1,367,529       $46,371      3.39          212
  $ 20001 -  25000      57      $1,281,863       $53,276      4.16          196
  $ 25001 -  30000      69      $1,900,773      $110,199      5.80          243
  $ 30001 -  35000      61      $1,968,314      $112,167      5.70          235
  $ 35001 -  40000      41      $1,541,854      $105,538      6.84          166
  $ 40001 -  45000      45      $1,900,537      $139,569      7.34          172
  $ 45001 -  50000      38      $1,801,317      $134,024      7.44          170
  $ 50001 -  75000      97      $5,810,815      $528,236      9.09          407
  $ 75001 - 100000      28      $2,294,388      $248,779     10.84          138
  OVER $100,000         19      $3,991,868      $720,046     18.04           87

                    ______________________________________________________________
  TOTAL                758     $25,250,813    $2,219,479      8.79         2494
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        9.6            -0.2           0.0                    4.2
  $  5001 -  10000    11.6             2.6           0.3                    8.5
  $ 10001 -  15000     8.3             3.1           0.7                    6.1
  $ 15001 -  20000    10.4             5.4           2.1                    8.5
  $ 20001 -  25000     7.5             5.1           2.4                    7.9
  $ 25001 -  30000     9.1             7.5           5.0                    9.7
  $ 30001 -  35000     8.0             7.8           5.1                    9.4
  $ 35001 -  40000     5.4             6.1           4.8                    6.7
  $ 40001 -  45000     5.9             7.5           6.3                    6.9
  $ 45001 -  50000     5.0             7.1           6.0                    6.8
  $ 50001 -  75000    12.8            23.0          23.8                   16.3
  $ 75001 - 100000     3.7             9.1          11.2                    5.5
  OVER $100,000        2.5            15.8          32.4                    3.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                      $-552            $7                   1.42
  $  5001 -  10000                  $7,408           $67                   2.41
  $ 10001 -  15000                 $12,380          $236                   2.41
  $ 15001 -  20000                 $17,310          $587                   2.68
  $ 20001 -  25000                 $22,489          $935                   3.44
  $ 25001 -  30000                 $27,547        $1,597                   3.52
  $ 30001 -  35000                 $32,267        $1,839                   3.85
  $ 35001 -  40000                 $37,606        $2,574                   4.05
  $ 40001 -  45000                 $42,234        $3,102                   3.82
  $ 45001 -  50000                 $47,403        $3,527                   4.47
  $ 50001 -  75000                 $59,905        $5,446                   4.20
  $ 75001 - 100000                 $81,942        $8,885                   4.93
  OVER $100,000                   $210,098       $37,897                   4.58

                    ______________________________________________________________
  TOTAL                            $33,312        $2,928                   3.29
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              10       $-244,648        $2,121     -0.87           30
  $     1  -  5000      67        $163,454        $1,187      0.73           46
  $  5001 -  10000      68        $506,698        $7,106      1.40          101
  $ 10001 -  15000      67        $836,489       $20,269      2.42          141
  $ 15001 -  20000      80      $1,399,800       $65,704      4.69          193
  $ 20001 -  25000      66      $1,477,416       $90,036      6.09          151
  $ 25001 -  30000      62      $1,704,212      $103,968      6.10          182
  $ 30001 -  35000      62      $2,013,359      $129,840      6.45          204
  $ 35001 -  40000      64      $2,403,883      $170,687      7.10          208
  $ 40001 -  45000      78      $3,323,468      $245,406      7.38          287
  $ 45001 -  50000      75      $3,556,680      $243,963      6.86          340
  $ 50001 -  75000     311     $19,151,895    $1,560,190      8.15         1392
  $ 75001 - 100000     132     $11,228,592    $1,128,183     10.05          632
  $100001 - 250000     132     $18,289,584    $2,770,169     15.15          654
  OVER $250,000         17     $10,083,136    $2,682,676     26.61           83

                    ______________________________________________________________
  TOTAL               1291     $75,894,018    $9,221,505     12.15         4644
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.8            -0.3           0.0                    0.6
  $     1  -  5000     5.2             0.2           0.0                    1.0
  $  5001 -  10000     5.3             0.7           0.1                    2.2
  $ 10001 -  15000     5.2             1.1           0.2                    3.0
  $ 15001 -  20000     6.2             1.8           0.7                    4.2
  $ 20001 -  25000     5.1             1.9           1.0                    3.3
  $ 25001 -  30000     4.8             2.2           1.1                    3.9
  $ 30001 -  35000     4.8             2.7           1.4                    4.4
  $ 35001 -  40000     5.0             3.2           1.9                    4.5
  $ 40001 -  45000     6.0             4.4           2.7                    6.2
  $ 45001 -  50000     5.8             4.7           2.6                    7.3
  $ 50001 -  75000    24.1            25.2          16.9                   30.0
  $ 75001 - 100000    10.2            14.8          12.2                   13.6
  $100001 - 250000    10.2            24.1          30.0                   14.1
  OVER $250,000        1.3            13.3          29.1                    1.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-24,465          $212                   3.00
  $     1  -  5000                  $2,440           $18                   0.69
  $  5001 -  10000                  $7,451          $105                   1.49
  $ 10001 -  15000                 $12,485          $303                   2.10
  $ 15001 -  20000                 $17,498          $821                   2.41
  $ 20001 -  25000                 $22,385        $1,364                   2.29
  $ 25001 -  30000                 $27,487        $1,677                   2.94
  $ 30001 -  35000                 $32,474        $2,094                   3.29
  $ 35001 -  40000                 $37,561        $2,667                   3.25
  $ 40001 -  45000                 $42,609        $3,146                   3.68
  $ 45001 -  50000                 $47,422        $3,253                   4.53
  $ 50001 -  75000                 $61,582        $5,017                   4.48
  $ 75001 - 100000                 $85,065        $8,547                   4.79
  $100001 - 250000                $138,557       $20,986                   4.95
  OVER $250,000                   $593,126      $157,804                   4.88

                    ______________________________________________________________
  TOTAL                            $58,787        $7,143                   3.60
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              31       $-285,461        $3,232     -1.13           49
  $     1  -  5000     476      $1,438,873        $2,344      0.16          577
  $  5001 -  10000     758      $5,836,046       $88,607      1.52         1240
  $ 10001 -  15000     984     $12,292,557      $438,521      3.57         1806
  $ 15001 -  20000     990     $17,379,643    $1,013,563      5.83         1896
  $ 20001 -  25000     977     $21,952,404    $1,624,689      7.40         1912
  $ 25001 -  30000     878     $24,141,295    $1,973,147      8.17         1869
  $ 30001 -  35000     761     $24,707,733    $2,225,498      9.01         1683
  $ 35001 -  40000     675     $25,321,690    $2,441,627      9.64         1581
  $ 40001 -  45000     563     $23,847,009    $2,371,475      9.94         1397
  $ 45001 -  50000     471     $22,283,378    $2,362,552     10.60         1223
  $ 50001 -  75000    1358     $82,276,718    $9,171,729     11.15         4010
  $ 75001 - 100000     502     $42,740,663    $5,453,680     12.76         1742
  $100001 - 250000     291     $37,871,325    $6,149,203     16.24         1020
  OVER $250,000         28     $12,078,226    $3,309,628     27.40           82

                    ______________________________________________________________
  TOTAL               9743    $353,882,099   $38,629,495     10.92        22087
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.3            -0.1           0.0                    0.2
  $     1  -  5000     4.9             0.4           0.0                    2.6
  $  5001 -  10000     7.8             1.6           0.2                    5.6
  $ 10001 -  15000    10.1             3.5           1.1                    8.2
  $ 15001 -  20000    10.2             4.9           2.6                    8.6
  $ 20001 -  25000    10.0             6.2           4.2                    8.7
  $ 25001 -  30000     9.0             6.8           5.1                    8.5
  $ 30001 -  35000     7.8             7.0           5.8                    7.6
  $ 35001 -  40000     6.9             7.2           6.3                    7.2
  $ 40001 -  45000     5.8             6.7           6.1                    6.3
  $ 45001 -  50000     4.8             6.3           6.1                    5.5
  $ 50001 -  75000    13.9            23.2          23.7                   18.2
  $ 75001 - 100000     5.2            12.1          14.1                    7.9
  $100001 - 250000     3.0            10.7          15.9                    4.6
  OVER $250,000        0.3             3.4           8.6                    0.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-9,208          $104                   1.58
  $     1  -  5000                  $3,023            $5                   1.21
  $  5001 -  10000                  $7,699          $117                   1.64
  $ 10001 -  15000                 $12,492          $446                   1.84
  $ 15001 -  20000                 $17,555        $1,024                   1.92
  $ 20001 -  25000                 $22,469        $1,663                   1.96
  $ 25001 -  30000                 $27,496        $2,247                   2.13
  $ 30001 -  35000                 $32,467        $2,924                   2.21
  $ 35001 -  40000                 $37,514        $3,617                   2.34
  $ 40001 -  45000                 $42,357        $4,212                   2.48
  $ 45001 -  50000                 $47,311        $5,016                   2.60
  $ 50001 -  75000                 $60,587        $6,754                   2.95
  $ 75001 - 100000                 $85,141       $10,864                   3.47
  $100001 - 250000                $130,142       $21,131                   3.51
  OVER $250,000                   $431,365      $118,201                   2.93

                    ______________________________________________________________
  TOTAL                            $36,322        $3,965                   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 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              14       $-701,830          $309     -0.04           33
  $     1  -  5000      55        $154,952        $2,164      1.40           32
  $  5001 -  10000      69        $532,922       $15,300      2.87           91
  $ 10001 -  15000      70        $885,086       $32,675      3.69          131
  $ 15001 -  20000      68      $1,196,329       $67,238      5.62          130
  $ 20001 -  25000      53      $1,196,038       $81,599      6.82          113
  $ 25001 -  30000      53      $1,459,607       $96,034      6.58          147
  $ 30001 -  35000      46      $1,496,353       $99,496      6.65          146
  $ 35001 -  40000      52      $1,927,315      $143,336      7.44          157
  $ 40001 -  45000      43      $1,814,527      $144,891      7.99          139
  $ 45001 -  50000      37      $1,751,651      $136,531      7.79          127
  $ 50001 -  75000     137      $8,344,509      $794,465      9.52          509
  $ 75001 - 100000      75      $6,416,540      $756,459     11.79          282
  $100001 - 250000      59      $8,663,690    $1,461,285     16.87          233
  OVER $250,000         10      $6,953,257    $1,839,084     26.45           35

                    ______________________________________________________________
  TOTAL                841     $42,090,946    $5,670,866     13.47         2305
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.7            -1.7           0.0                    1.4
  $     1  -  5000     6.5             0.4           0.0                    1.4
  $  5001 -  10000     8.2             1.3           0.3                    3.9
  $ 10001 -  15000     8.3             2.1           0.6                    5.7
  $ 15001 -  20000     8.1             2.8           1.2                    5.6
  $ 20001 -  25000     6.3             2.8           1.4                    4.9
  $ 25001 -  30000     6.3             3.5           1.7                    6.4
  $ 30001 -  35000     5.5             3.6           1.8                    6.3
  $ 35001 -  40000     6.2             4.6           2.5                    6.8
  $ 40001 -  45000     5.1             4.3           2.6                    6.0
  $ 45001 -  50000     4.4             4.2           2.4                    5.5
  $ 50001 -  75000    16.3            19.8          14.0                   22.1
  $ 75001 - 100000     8.9            15.2          13.3                   12.2
  $100001 - 250000     7.0            20.6          25.8                   10.1
  OVER $250,000        1.2            16.5          32.4                    1.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-50,131           $22                   2.36
  $     1  -  5000                  $2,817           $39                   0.58
  $  5001 -  10000                  $7,724          $222                   1.32
  $ 10001 -  15000                 $12,644          $467                   1.87
  $ 15001 -  20000                 $17,593          $989                   1.91
  $ 20001 -  25000                 $22,567        $1,540                   2.13
  $ 25001 -  30000                 $27,540        $1,812                   2.77
  $ 30001 -  35000                 $32,529        $2,163                   3.17
  $ 35001 -  40000                 $37,064        $2,756                   3.02
  $ 40001 -  45000                 $42,198        $3,370                   3.23
  $ 45001 -  50000                 $47,342        $3,690                   3.43
  $ 50001 -  75000                 $60,909        $5,799                   3.72
  $ 75001 - 100000                 $85,554       $10,086                   3.76
  $100001 - 250000                $146,842       $24,768                   3.95
  OVER $250,000                   $695,326      $183,908                   3.50

                    ______________________________________________________________
  TOTAL                            $50,049        $6,743                   2.74
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              32       $-712,195          $132     -0.02           60
  $     1  -  5000     261        $786,981        $6,364      0.81          335
  $  5001 -  10000     372      $2,801,022       $43,428      1.55          563
  $ 10001 -  15000     357      $4,433,065      $178,725      4.03          617
  $ 15001 -  20000     318      $5,571,623      $341,788      6.13          596
  $ 20001 -  25000     215      $4,816,081      $328,691      6.82          458
  $ 25001 -  30000     189      $5,208,776      $394,023      7.56          475
  $ 30001 -  35000     179      $5,804,944      $478,405      8.24          475
  $ 35001 -  40000     140      $5,233,567      $464,599      8.88          388
  $ 40001 -  45000     117      $4,969,266      $496,050      9.98          314
  $ 45001 -  50000     102      $4,873,390      $479,849      9.85          311
  $ 50001 -  75000     287     $17,339,426    $1,895,495     10.93          942
  $ 75001 - 100000      78      $6,550,698      $859,035     13.11          265
  OVER $100,000         78     $15,980,888    $3,672,399     22.98          275

                    ______________________________________________________________
  TOTAL               2725     $83,657,532    $9,638,983     11.52         6074
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.2            -0.9           0.0                    1.0
  $     1  -  5000     9.6             0.9           0.1                    5.5
  $  5001 -  10000    13.7             3.3           0.5                    9.3
  $ 10001 -  15000    13.1             5.3           1.9                   10.2
  $ 15001 -  20000    11.7             6.7           3.5                    9.8
  $ 20001 -  25000     7.9             5.8           3.4                    7.5
  $ 25001 -  30000     6.9             6.2           4.1                    7.8
  $ 30001 -  35000     6.6             6.9           5.0                    7.8
  $ 35001 -  40000     5.1             6.3           4.8                    6.4
  $ 40001 -  45000     4.3             5.9           5.1                    5.2
  $ 45001 -  50000     3.7             5.8           5.0                    5.1
  $ 50001 -  75000    10.5            20.7          19.7                   15.5
  $ 75001 - 100000     2.9             7.8           8.9                    4.4
  OVER $100,000        2.9            19.1          38.1                    4.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-22,256            $4                   1.88
  $     1  -  5000                  $3,015           $24                   1.28
  $  5001 -  10000                  $7,530          $117                   1.51
  $ 10001 -  15000                 $12,418          $501                   1.73
  $ 15001 -  20000                 $17,521        $1,075                   1.87
  $ 20001 -  25000                 $22,400        $1,529                   2.13
  $ 25001 -  30000                 $27,560        $2,085                   2.51
  $ 30001 -  35000                 $32,430        $2,673                   2.65
  $ 35001 -  40000                 $37,383        $3,319                   2.77
  $ 40001 -  45000                 $42,472        $4,240                   2.68
  $ 45001 -  50000                 $47,778        $4,704                   3.05
  $ 50001 -  75000                 $60,416        $6,605                   3.28
  $ 75001 - 100000                 $83,983       $11,013                   3.40
  OVER $100,000                   $204,883       $47,082                   3.53

                    ______________________________________________________________
  TOTAL                            $30,700        $3,537                   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 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              16       $-493,525        $8,787     -1.78           53
  $     1  -  5000     102        $280,498        $2,388      0.85           53
  $  5001 -  10000      79        $585,932       $13,841      2.36           97
  $ 10001 -  15000     125      $1,581,545       $53,910      3.41          233
  $ 15001 -  20000     106      $1,869,524      $102,315      5.47          206
  $ 20001 -  25000     103      $2,304,589      $129,002      5.60          261
  $ 25001 -  30000     104      $2,867,137      $220,229      7.68          252
  $ 30001 -  35000     106      $3,460,295      $269,379      7.78          301
  $ 35001 -  40000     112      $4,177,752      $322,872      7.73          368
  $ 40001 -  45000     117      $4,948,222      $399,165      8.07          404
  $ 45001 -  50000      94      $4,459,750      $371,715      8.33          375
  $ 50001 -  75000     371     $22,514,652    $2,130,433      9.46         1456
  $ 75001 - 100000     186     $15,925,010    $1,789,429     11.24          831
  $100001 - 250000      86     $11,638,981    $1,851,743     15.91          377
  OVER $250,000         12      $4,401,068    $1,063,121     24.16           60

                    ______________________________________________________________
  TOTAL               1719     $80,521,430    $8,728,329     10.84         5327
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.9            -0.6           0.1                    1.0
  $     1  -  5000     5.9             0.3           0.0                    1.0
  $  5001 -  10000     4.6             0.7           0.2                    1.8
  $ 10001 -  15000     7.3             2.0           0.6                    4.4
  $ 15001 -  20000     6.2             2.3           1.2                    3.9
  $ 20001 -  25000     6.0             2.9           1.5                    4.9
  $ 25001 -  30000     6.1             3.6           2.5                    4.7
  $ 30001 -  35000     6.2             4.3           3.1                    5.7
  $ 35001 -  40000     6.5             5.2           3.7                    6.9
  $ 40001 -  45000     6.8             6.1           4.6                    7.6
  $ 45001 -  50000     5.5             5.5           4.3                    7.0
  $ 50001 -  75000    21.6            28.0          24.4                   27.3
  $ 75001 - 100000    10.8            19.8          20.5                   15.6
  $100001 - 250000     5.0            14.5          21.2                    7.1
  OVER $250,000        0.7             5.5          12.2                    1.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-30,845          $549                   3.31
  $     1  -  5000                  $2,750           $23                   0.52
  $  5001 -  10000                  $7,417          $175                   1.23
  $ 10001 -  15000                 $12,652          $431                   1.86
  $ 15001 -  20000                 $17,637          $965                   1.94
  $ 20001 -  25000                 $22,375        $1,252                   2.53
  $ 25001 -  30000                 $27,569        $2,118                   2.42
  $ 30001 -  35000                 $32,644        $2,541                   2.84
  $ 35001 -  40000                 $37,301        $2,883                   3.29
  $ 40001 -  45000                 $42,292        $3,412                   3.45
  $ 45001 -  50000                 $47,444        $3,954                   3.99
  $ 50001 -  75000                 $60,686        $5,742                   3.92
  $ 75001 - 100000                 $85,618        $9,621                   4.47
  $100001 - 250000                $135,337       $21,532                   4.38
  OVER $250,000                   $366,756       $88,593                   5.00

                    ______________________________________________________________
  TOTAL                            $46,842        $5,078                   3.10
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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 $ 5,000         82        $-82,473        $4,656     -5.65          114
  $  5001 -  10000      77        $576,589        $5,292      0.92          167
  $ 10001 -  15000     112      $1,381,028       $31,203      2.26          278
  $ 15001 -  20000      95      $1,667,639       $66,117      3.96          277
  $ 20001 -  25000      75      $1,677,887       $87,915      5.24          231
  $ 25001 -  30000      54      $1,479,439       $89,241      6.03          167
  $ 30001 -  35000      68      $2,207,297      $140,171      6.35          254
  $ 35001 -  40000      45      $1,703,721      $129,502      7.60          153
  $ 40001 -  45000      47      $1,979,438      $160,118      8.09          179
  $ 45001 -  50000      35      $1,664,727      $142,993      8.59          136
  $ 50001 -  75000     110      $6,530,270      $604,883      9.26          492
  $ 75001 - 100000      37      $3,188,827      $361,611     11.34          173
  OVER $100,000         18      $3,592,640      $669,844     18.64           94

                    ______________________________________________________________
  TOTAL                855     $27,567,029    $2,493,546      9.05         2715
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        9.6            -0.3           0.2                    4.2
  $  5001 -  10000     9.0             2.1           0.2                    6.2
  $ 10001 -  15000    13.1             5.0           1.3                   10.2
  $ 15001 -  20000    11.1             6.0           2.7                   10.2
  $ 20001 -  25000     8.8             6.1           3.5                    8.5
  $ 25001 -  30000     6.3             5.4           3.6                    6.2
  $ 30001 -  35000     8.0             8.0           5.6                    9.4
  $ 35001 -  40000     5.3             6.2           5.2                    5.6
  $ 40001 -  45000     5.5             7.2           6.4                    6.6
  $ 45001 -  50000     4.1             6.0           5.7                    5.0
  $ 50001 -  75000    12.9            23.7          24.3                   18.1
  $ 75001 - 100000     4.3            11.6          14.5                    6.4
  OVER $100,000        2.1            13.0          26.9                    3.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                    $-1,006           $57                   1.39
  $  5001 -  10000                  $7,488           $69                   2.17
  $ 10001 -  15000                 $12,331          $279                   2.48
  $ 15001 -  20000                 $17,554          $696                   2.92
  $ 20001 -  25000                 $22,372        $1,172                   3.08
  $ 25001 -  30000                 $27,397        $1,653                   3.09
  $ 30001 -  35000                 $32,460        $2,061                   3.74
  $ 35001 -  40000                 $37,860        $2,878                   3.40
  $ 40001 -  45000                 $42,116        $3,407                   3.81
  $ 45001 -  50000                 $47,564        $4,086                   3.89
  $ 50001 -  75000                 $59,366        $5,499                   4.47
  $ 75001 - 100000                 $86,185        $9,773                   4.68
  OVER $100,000                   $199,591       $37,214                   5.22

                    ______________________________________________________________
  TOTAL                            $32,242        $2,916                   3.18
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              56       $-680,153          $535     -0.08          110
  $     1  -  5000     670      $1,910,159        $7,711      0.40          694
  $  5001 -  10000    1047      $7,924,164      $124,700      1.57         1534
  $ 10001 -  15000    1310     $16,490,393      $685,923      4.16         2113
  $ 15001 -  20000    1426     $25,032,260    $1,514,403      6.05         2557
  $ 20001 -  25000    1329     $29,891,280    $2,140,428      7.16         2669
  $ 25001 -  30000    1145     $31,423,155    $2,562,146      8.15         2366
  $ 30001 -  35000    1062     $34,492,683    $3,013,371      8.74         2393
  $ 35001 -  40000     953     $35,699,994    $3,333,309      9.34         2265
  $ 40001 -  45000     804     $34,145,341    $3,270,140      9.58         2170
  $ 45001 -  50000     659     $31,200,147    $3,104,263      9.95         1816
  $ 50001 -  75000    2156    $131,593,380   $13,813,201     10.50         7072
  $ 75001 - 100000     954     $81,824,780   $10,035,703     12.26         3627
  $100001 - 250000     702     $93,428,100   $14,695,224     15.73         2870
  OVER $250,000         85     $39,208,663   $10,425,433     26.59          380

                    ______________________________________________________________
  TOTAL              14358    $593,584,346   $68,726,490     11.58        34636
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.1           0.0                    0.3
  $     1  -  5000     4.7             0.3           0.0                    2.0
  $  5001 -  10000     7.3             1.3           0.2                    4.4
  $ 10001 -  15000     9.1             2.8           1.0                    6.1
  $ 15001 -  20000     9.9             4.2           2.2                    7.4
  $ 20001 -  25000     9.3             5.0           3.1                    7.7
  $ 25001 -  30000     8.0             5.3           3.7                    6.8
  $ 30001 -  35000     7.4             5.8           4.4                    6.9
  $ 35001 -  40000     6.6             6.0           4.9                    6.5
  $ 40001 -  45000     5.6             5.8           4.8                    6.3
  $ 45001 -  50000     4.6             5.3           4.5                    5.2
  $ 50001 -  75000    15.0            22.2          20.1                   20.4
  $ 75001 - 100000     6.6            13.8          14.6                   10.5
  $100001 - 250000     4.9            15.7          21.4                    8.3
  OVER $250,000        0.6             6.6          15.2                    1.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-12,146           $10                   1.96
  $     1  -  5000                  $2,851           $12                   1.04
  $  5001 -  10000                  $7,568          $119                   1.47
  $ 10001 -  15000                 $12,588          $524                   1.61
  $ 15001 -  20000                 $17,554        $1,062                   1.79
  $ 20001 -  25000                 $22,492        $1,611                   2.01
  $ 25001 -  30000                 $27,444        $2,238                   2.07
  $ 30001 -  35000                 $32,479        $2,837                   2.25
  $ 35001 -  40000                 $37,461        $3,498                   2.38
  $ 40001 -  45000                 $42,469        $4,067                   2.70
  $ 45001 -  50000                 $47,345        $4,711                   2.76
  $ 50001 -  75000                 $61,036        $6,407                   3.28
  $ 75001 - 100000                 $85,770       $10,520                   3.80
  $100001 - 250000                $133,088       $20,933                   4.09
  OVER $250,000                   $461,278      $122,652                   4.47

                    ______________________________________________________________
  TOTAL                            $41,342        $4,787                   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 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      NEPHI UT
                        _________________________________________________
  UNDER $1              12       $-334,486          $126     -0.04           27
  $     1  -  5000      83        $245,203          $648      0.26           95
  $  5001 -  10000      88        $668,171       $10,155      1.52          146
  $ 10001 -  15000     109      $1,336,139       $28,508      2.13          237
  $ 15001 -  20000     109      $1,909,374       $76,887      4.03          255
  $ 20001 -  25000     111      $2,505,672      $130,528      5.21          321
  $ 25001 -  30000     115      $3,172,474      $183,013      5.77          382
  $ 30001 -  35000     100      $3,270,732      $222,158      6.79          353
  $ 35001 -  40000      91      $3,404,961      $242,056      7.11          355
  $ 40001 -  45000      89      $3,769,550      $291,866      7.74          337
  $ 45001 -  50000      75      $3,556,358      $292,372      8.22          303
  $ 50001 -  75000     250     $14,940,654    $1,358,788      9.09         1017
  $ 75001 - 100000      63      $5,369,485      $576,486     10.74          295
  OVER $100,000         34      $5,008,097      $805,329     16.08          173

                    ______________________________________________________________
  TOTAL               1329     $48,822,384    $4,218,920      8.64         4296
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.9            -0.7           0.0                    0.6
  $     1  -  5000     6.2             0.5           0.0                    2.2
  $  5001 -  10000     6.6             1.4           0.2                    3.4
  $ 10001 -  15000     8.2             2.7           0.7                    5.5
  $ 15001 -  20000     8.2             3.9           1.8                    5.9
  $ 20001 -  25000     8.4             5.1           3.1                    7.5
  $ 25001 -  30000     8.7             6.5           4.3                    8.9
  $ 30001 -  35000     7.5             6.7           5.3                    8.2
  $ 35001 -  40000     6.8             7.0           5.7                    8.3
  $ 40001 -  45000     6.7             7.7           6.9                    7.8
  $ 45001 -  50000     5.6             7.3           6.9                    7.1
  $ 50001 -  75000    18.8            30.6          32.2                   23.7
  $ 75001 - 100000     4.7            11.0          13.7                    6.9
  OVER $100,000        2.6            10.3          19.1                    4.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-27,874           $11                   2.25
  $     1  -  5000                  $2,954            $8                   1.14
  $  5001 -  10000                  $7,593          $115                   1.66
  $ 10001 -  15000                 $12,258          $262                   2.17
  $ 15001 -  20000                 $17,517          $705                   2.34
  $ 20001 -  25000                 $22,574        $1,176                   2.89
  $ 25001 -  30000                 $27,587        $1,591                   3.32
  $ 30001 -  35000                 $32,707        $2,222                   3.53
  $ 35001 -  40000                 $37,417        $2,660                   3.90
  $ 40001 -  45000                 $42,354        $3,279                   3.79
  $ 45001 -  50000                 $47,418        $3,898                   4.04
  $ 50001 -  75000                 $59,763        $5,435                   4.07
  $ 75001 - 100000                 $85,230        $9,151                   4.68
  OVER $100,000                   $147,297       $23,686                   5.09

                    ______________________________________________________________
  TOTAL                            $36,736        $3,175                   3.23
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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         94        $-96,613        $1,495     -1.55           88
  $  5001 -  10000      72        $533,487       $11,646      2.18          102
  $ 10001 -  15000      84      $1,046,999       $39,542      3.78          152
  $ 15001 -  20000      94      $1,648,226       $79,401      4.82          195
  $ 20001 -  25000      71      $1,603,084       $97,670      6.09          182
  $ 25001 -  30000      75      $2,055,870      $123,213      5.99          226
  $ 30001 -  35000      69      $2,228,669      $143,538      6.44          238
  $ 35001 -  40000      71      $2,657,425      $177,704      6.69          268
  $ 40001 -  45000      74      $3,156,412      $237,249      7.52          285
  $ 45001 -  50000      63      $2,977,981      $221,388      7.43          269
  $ 50001 -  75000     213     $13,006,574    $1,147,070      8.82          930
  $ 75001 - 100000     106      $9,111,823    $1,044,545     11.46          452
  OVER $100,000         97     $16,290,071    $2,966,564     18.21          434

                    ______________________________________________________________
  TOTAL               1183     $56,220,008    $6,291,025     11.19         3821
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        7.9            -0.2           0.0                    2.3
  $  5001 -  10000     6.1             0.9           0.2                    2.7
  $ 10001 -  15000     7.1             1.9           0.6                    4.0
  $ 15001 -  20000     7.9             2.9           1.3                    5.1
  $ 20001 -  25000     6.0             2.9           1.6                    4.8
  $ 25001 -  30000     6.3             3.7           2.0                    5.9
  $ 30001 -  35000     5.8             4.0           2.3                    6.2
  $ 35001 -  40000     6.0             4.7           2.8                    7.0
  $ 40001 -  45000     6.3             5.6           3.8                    7.5
  $ 45001 -  50000     5.3             5.3           3.5                    7.0
  $ 50001 -  75000    18.0            23.1          18.2                   24.3
  $ 75001 - 100000     9.0            16.2          16.6                   11.8
  OVER $100,000        8.2            29.0          47.2                   11.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                    $-1,028           $16                   0.94
  $  5001 -  10000                  $7,410          $162                   1.42
  $ 10001 -  15000                 $12,464          $471                   1.81
  $ 15001 -  20000                 $17,534          $845                   2.07
  $ 20001 -  25000                 $22,579        $1,376                   2.56
  $ 25001 -  30000                 $27,412        $1,643                   3.01
  $ 30001 -  35000                 $32,300        $2,080                   3.45
  $ 35001 -  40000                 $37,429        $2,503                   3.77
  $ 40001 -  45000                 $42,654        $3,206                   3.85
  $ 45001 -  50000                 $47,270        $3,514                   4.27
  $ 50001 -  75000                 $61,064        $5,385                   4.37
  $ 75001 - 100000                 $85,961        $9,854                   4.26
  OVER $100,000                   $167,939       $30,583                   4.47

                    ______________________________________________________________
  TOTAL                            $47,523        $5,318                   3.23
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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 $ 5,000        113        $116,788        $2,107      1.80           83
  $  5001 -  10000     135      $1,029,669       $21,350      2.07          175
  $ 10001 -  15000     138      $1,730,476       $69,691      4.03          216
  $ 15001 -  20000     127      $2,209,564      $120,566      5.46          226
  $ 20001 -  25000     117      $2,627,854      $159,659      6.08          283
  $ 25001 -  30000     145      $3,974,477      $264,773      6.66          372
  $ 30001 -  35000     132      $4,271,727      $319,963      7.49          365
  $ 35001 -  40000     146      $5,518,126      $410,463      7.44          480
  $ 40001 -  45000     164      $6,981,212      $574,264      8.23          562
  $ 45001 -  50000     150      $7,106,731      $596,378      8.39          545
  $ 50001 -  75000     745     $45,986,459    $4,197,847      9.13         3042
  $ 75001 - 100000     375     $32,076,102    $3,731,571     11.63         1514
  $100001 - 250000     246     $32,522,004    $5,064,958     15.57         1008
  OVER $250,000         20      $8,083,327    $2,216,791     27.42           93

                    ______________________________________________________________
  TOTAL               2753    $154,234,516   $17,750,381     11.51         8964
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        4.1             0.1           0.0                    0.9
  $  5001 -  10000     4.9             0.7           0.1                    2.0
  $ 10001 -  15000     5.0             1.1           0.4                    2.4
  $ 15001 -  20000     4.6             1.4           0.7                    2.5
  $ 20001 -  25000     4.2             1.7           0.9                    3.2
  $ 25001 -  30000     5.3             2.6           1.5                    4.1
  $ 30001 -  35000     4.8             2.8           1.8                    4.1
  $ 35001 -  40000     5.3             3.6           2.3                    5.4
  $ 40001 -  45000     6.0             4.5           3.2                    6.3
  $ 45001 -  50000     5.4             4.6           3.4                    6.1
  $ 50001 -  75000    27.1            29.8          23.6                   33.9
  $ 75001 - 100000    13.6            20.8          21.0                   16.9
  $100001 - 250000     8.9            21.1          28.5                   11.2
  OVER $250,000        0.7             5.2          12.5                    1.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,034           $19                   0.73
  $  5001 -  10000                  $7,627          $158                   1.30
  $ 10001 -  15000                 $12,540          $505                   1.57
  $ 15001 -  20000                 $17,398          $949                   1.78
  $ 20001 -  25000                 $22,460        $1,365                   2.42
  $ 25001 -  30000                 $27,410        $1,826                   2.57
  $ 30001 -  35000                 $32,362        $2,424                   2.77
  $ 35001 -  40000                 $37,795        $2,811                   3.29
  $ 40001 -  45000                 $42,568        $3,502                   3.43
  $ 45001 -  50000                 $47,378        $3,976                   3.63
  $ 50001 -  75000                 $61,727        $5,635                   4.08
  $ 75001 - 100000                 $85,536        $9,951                   4.04
  $100001 - 250000                $132,203       $20,589                   4.10
  OVER $250,000                   $404,166      $110,840                   4.65

                    ______________________________________________________________
  TOTAL                            $56,024        $6,448                   3.26
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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 $ 5,000        112         $21,742       $17,378     79.93          109
  $  5001 -  10000     144      $1,099,411       $20,626      1.88          211
  $ 10001 -  15000     207      $2,599,661      $108,312      4.17          359
  $ 15001 -  20000     210      $3,666,609      $203,556      5.55          404
  $ 20001 -  25000     191      $4,304,024      $291,955      6.78          428
  $ 25001 -  30000     170      $4,685,902      $366,191      7.81          395
  $ 30001 -  35000     188      $6,106,358      $514,971      8.43          473
  $ 35001 -  40000     134      $5,015,195      $463,021      9.23          337
  $ 40001 -  45000     148      $6,279,731      $590,159      9.40          419
  $ 45001 -  50000     118      $5,602,962      $502,676      8.97          397
  $ 50001 -  75000     474     $29,066,256    $2,850,650      9.81         1694
  $ 75001 - 100000     229     $19,747,023    $2,305,319     11.67          866
  $100001 - 250000     225     $31,056,201    $4,736,760     15.25          942
  OVER $250,000         32     $21,709,814    $5,097,677     23.48          118

                    ______________________________________________________________
  TOTAL               2582    $140,960,889   $18,069,251     12.82         7152
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        4.3             0.0           0.1                    1.5
  $  5001 -  10000     5.6             0.8           0.1                    3.0
  $ 10001 -  15000     8.0             1.8           0.6                    5.0
  $ 15001 -  20000     8.1             2.6           1.1                    5.6
  $ 20001 -  25000     7.4             3.1           1.6                    6.0
  $ 25001 -  30000     6.6             3.3           2.0                    5.5
  $ 30001 -  35000     7.3             4.3           2.8                    6.6
  $ 35001 -  40000     5.2             3.6           2.6                    4.7
  $ 40001 -  45000     5.7             4.5           3.3                    5.9
  $ 45001 -  50000     4.6             4.0           2.8                    5.6
  $ 50001 -  75000    18.4            20.6          15.8                   23.7
  $ 75001 - 100000     8.9            14.0          12.8                   12.1
  $100001 - 250000     8.7            22.0          26.2                   13.2
  OVER $250,000        1.2            15.4          28.2                    1.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                       $194          $155                   0.97
  $  5001 -  10000                  $7,635          $143                   1.47
  $ 10001 -  15000                 $12,559          $523                   1.73
  $ 15001 -  20000                 $17,460          $969                   1.92
  $ 20001 -  25000                 $22,534        $1,529                   2.24
  $ 25001 -  30000                 $27,564        $2,154                   2.32
  $ 30001 -  35000                 $32,481        $2,739                   2.52
  $ 35001 -  40000                 $37,427        $3,455                   2.51
  $ 40001 -  45000                 $42,431        $3,988                   2.83
  $ 45001 -  50000                 $47,483        $4,260                   3.36
  $ 50001 -  75000                 $61,321        $6,014                   3.57
  $ 75001 - 100000                 $86,232       $10,067                   3.78
  $100001 - 250000                $138,028       $21,052                   4.19
  OVER $250,000                   $678,432      $159,302                   3.69

                    ______________________________________________________________
  TOTAL                            $54,594        $6,998                   2.77
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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             145     $-2,217,663       $10,041     -0.45          260
  $     1  -  5000    2555      $6,937,807       $27,527      0.40         3135
  $  5001 -  10000    3345     $25,313,605      $380,082      1.50         5496
  $ 10001 -  15000    3817     $47,803,730    $1,644,374      3.44         7067
  $ 15001 -  20000    3903     $68,351,437    $3,610,337      5.28         8018
  $ 20001 -  25000    3541     $79,559,387    $5,197,032      6.53         8064
  $ 25001 -  30000    3051     $83,672,415    $6,238,229      7.46         7501
  $ 30001 -  35000    2778     $89,928,574    $7,471,978      8.31         6910
  $ 35001 -  40000    2449     $91,659,534    $8,206,449      8.95         6564
  $ 40001 -  45000    2135     $90,665,482    $8,373,356      9.24         6181
  $ 45001 -  50000    1742     $82,608,513    $7,934,251      9.60         5255
  $ 50001 -  75000    5838    $355,128,005   $36,892,906     10.39        19633
  $ 75001 - 100000    2447    $209,590,217   $26,150,165     12.48         9003
  $100001 - 250000    1708    $230,257,619   $37,881,632     16.45         6390
  OVER $250,000        279    $184,748,724   $49,752,776     26.93         1015

                    ______________________________________________________________
  TOTAL              39733  $1,644,007,386  $199,771,135     12.15       100492
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.1           0.0                    0.3
  $     1  -  5000     6.4             0.4           0.0                    3.1
  $  5001 -  10000     8.4             1.5           0.2                    5.5
  $ 10001 -  15000     9.6             2.9           0.8                    7.0
  $ 15001 -  20000     9.8             4.2           1.8                    8.0
  $ 20001 -  25000     8.9             4.8           2.6                    8.0
  $ 25001 -  30000     7.7             5.1           3.1                    7.5
  $ 30001 -  35000     7.0             5.5           3.7                    6.9
  $ 35001 -  40000     6.2             5.6           4.1                    6.5
  $ 40001 -  45000     5.4             5.5           4.2                    6.2
  $ 45001 -  50000     4.4             5.0           4.0                    5.2
  $ 50001 -  75000    14.7            21.6          18.5                   19.5
  $ 75001 - 100000     6.2            12.7          13.1                    9.0
  $100001 - 250000     4.3            14.0          19.0                    6.4
  OVER $250,000        0.7            11.2          24.9                    1.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-15,294           $69                   1.79
  $     1  -  5000                  $2,715           $11                   1.23
  $  5001 -  10000                  $7,568          $114                   1.64
  $ 10001 -  15000                 $12,524          $431                   1.85
  $ 15001 -  20000                 $17,513          $925                   2.05
  $ 20001 -  25000                 $22,468        $1,468                   2.28
  $ 25001 -  30000                 $27,425        $2,045                   2.46
  $ 30001 -  35000                 $32,372        $2,690                   2.49
  $ 35001 -  40000                 $37,427        $3,351                   2.68
  $ 40001 -  45000                 $42,466        $3,922                   2.90
  $ 45001 -  50000                 $47,422        $4,555                   3.02
  $ 50001 -  75000                 $60,830        $6,319                   3.36
  $ 75001 - 100000                 $85,652       $10,687                   3.68
  $100001 - 250000                $134,811       $22,179                   3.74
  OVER $250,000                   $662,182      $178,325                   3.64

                    ______________________________________________________________
  TOTAL                            $41,376        $5,028                   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 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              96     $-5,624,812       $23,895     -0.42          288
  $     1  -  5000    1401      $3,966,721       $23,416      0.59         1243
  $  5001 -  10000    1848     $14,002,684      $263,263      1.88         2800
  $ 10001 -  15000    2018     $25,221,027      $855,183      3.39         3999
  $ 15001 -  20000    2004     $34,959,585    $1,580,679      4.52         4746
  $ 20001 -  25000    1749     $39,252,314    $2,250,443      5.73         4569
  $ 25001 -  30000    1578     $43,338,313    $2,821,911      6.51         4532
  $ 30001 -  35000    1451     $47,069,511    $3,446,718      7.32         4388
  $ 35001 -  40000    1324     $49,588,550    $3,810,843      7.68         4355
  $ 40001 -  45000    1164     $49,364,863    $3,945,110      7.99         4043
  $ 45001 -  50000    1052     $49,917,834    $4,023,839      8.06         4074
  $ 50001 -  75000    3665    $224,217,428   $19,677,470      8.78        15505
  $ 75001 - 100000    1712    $147,349,333   $15,596,463     10.58         8063
  $100001 - 250000    1341    $179,222,400   $25,965,512     14.49         6723
  OVER $250,000        171    $120,162,660   $31,175,228     25.94          831

                    ______________________________________________________________
  TOTAL              22574  $1,022,008,411  $115,459,973     11.30        70159
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.6           0.0                    0.4
  $     1  -  5000     6.2             0.4           0.0                    1.8
  $  5001 -  10000     8.2             1.4           0.2                    4.0
  $ 10001 -  15000     8.9             2.5           0.7                    5.7
  $ 15001 -  20000     8.9             3.4           1.4                    6.8
  $ 20001 -  25000     7.7             3.8           1.9                    6.5
  $ 25001 -  30000     7.0             4.2           2.4                    6.5
  $ 30001 -  35000     6.4             4.6           3.0                    6.3
  $ 35001 -  40000     5.9             4.9           3.3                    6.2
  $ 40001 -  45000     5.2             4.8           3.4                    5.8
  $ 45001 -  50000     4.7             4.9           3.5                    5.8
  $ 50001 -  75000    16.2            21.9          17.0                   22.1
  $ 75001 - 100000     7.6            14.4          13.5                   11.5
  $100001 - 250000     5.9            17.5          22.5                    9.6
  OVER $250,000        0.8            11.8          27.0                    1.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-58,592          $249                   3.00
  $     1  -  5000                  $2,831           $17                   0.89
  $  5001 -  10000                  $7,577          $142                   1.52
  $ 10001 -  15000                 $12,498          $424                   1.98
  $ 15001 -  20000                 $17,445          $789                   2.37
  $ 20001 -  25000                 $22,443        $1,287                   2.61
  $ 25001 -  30000                 $27,464        $1,788                   2.87
  $ 30001 -  35000                 $32,439        $2,375                   3.02
  $ 35001 -  40000                 $37,454        $2,878                   3.29
  $ 40001 -  45000                 $42,410        $3,389                   3.47
  $ 45001 -  50000                 $47,450        $3,825                   3.87
  $ 50001 -  75000                 $61,178        $5,369                   4.23
  $ 75001 - 100000                 $86,069        $9,110                   4.71
  $100001 - 250000                $133,648       $19,363                   5.01
  OVER $250,000                   $702,706      $182,311                   4.86

                    ______________________________________________________________
  TOTAL                            $45,274        $5,115                   3.11
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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             566    $-22,974,030       $24,303     -0.11         1428
  $     1  -  5000    3517      $9,448,094       $45,188      0.48         3543
  $  5001 -  10000    4005     $30,199,367      $508,655      1.68         6690
  $ 10001 -  15000    4250     $53,091,691    $1,599,234      3.01         9229
  $ 15001 -  20000    3908     $68,212,019    $3,015,829      4.42         9498
  $ 20001 -  25000    3493     $78,386,714    $4,248,134      5.42         9901
  $ 25001 -  30000    3289     $90,324,265    $5,677,501      6.29        10206
  $ 30001 -  35000    2916     $94,591,626    $6,641,585      7.02         9659
  $ 35001 -  40000    2865    $107,429,107    $8,186,523      7.62        10208
  $ 40001 -  45000    2675    $113,624,269    $9,320,706      8.20         9690
  $ 45001 -  50000    2323    $110,143,249    $9,314,155      8.46         8919
  $ 50001 -  75000    7866    $479,046,010   $45,940,807      9.59        31708
  $ 75001 - 100000    2762    $235,775,187   $27,835,531     11.81        11809
  $100001 - 250000    1593    $212,518,549   $33,462,784     15.75         7247
  OVER $250,000        185    $105,310,922   $27,876,689     26.47         1286

                    ______________________________________________________________
  TOTAL              46213  $1,765,127,039  $183,697,624     10.41       141021
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.2            -1.3           0.0                    1.0
  $     1  -  5000     7.6             0.5           0.0                    2.5
  $  5001 -  10000     8.7             1.7           0.3                    4.7
  $ 10001 -  15000     9.2             3.0           0.9                    6.5
  $ 15001 -  20000     8.5             3.9           1.6                    6.7
  $ 20001 -  25000     7.6             4.4           2.3                    7.0
  $ 25001 -  30000     7.1             5.1           3.1                    7.2
  $ 30001 -  35000     6.3             5.4           3.6                    6.8
  $ 35001 -  40000     6.2             6.1           4.5                    7.2
  $ 40001 -  45000     5.8             6.4           5.1                    6.9
  $ 45001 -  50000     5.0             6.2           5.1                    6.3
  $ 50001 -  75000    17.0            27.1          25.0                   22.5
  $ 75001 - 100000     6.0            13.4          15.2                    8.4
  $100001 - 250000     3.4            12.0          18.2                    5.1
  OVER $250,000        0.4             6.0          15.2                    0.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-40,590           $43                   2.52
  $     1  -  5000                  $2,686           $13                   1.01
  $  5001 -  10000                  $7,540          $127                   1.67
  $ 10001 -  15000                 $12,492          $376                   2.17
  $ 15001 -  20000                 $17,454          $772                   2.43
  $ 20001 -  25000                 $22,441        $1,216                   2.83
  $ 25001 -  30000                 $27,463        $1,726                   3.10
  $ 30001 -  35000                 $32,439        $2,278                   3.31
  $ 35001 -  40000                 $37,497        $2,857                   3.56
  $ 40001 -  45000                 $42,476        $3,484                   3.62
  $ 45001 -  50000                 $47,414        $4,010                   3.84
  $ 50001 -  75000                 $60,901        $5,840                   4.03
  $ 75001 - 100000                 $85,364       $10,078                   4.28
  $100001 - 250000                $133,408       $21,006                   4.55
  OVER $250,000                   $569,248      $150,685                   6.95

                    ______________________________________________________________
  TOTAL                            $38,195        $3,975                   3.05
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              72     $-3,818,744        $8,364     -0.22          120
  $     1  -  5000     372      $1,071,709       $15,381      1.44          248
  $  5001 -  10000     536      $4,040,677       $94,429      2.34          597
  $ 10001 -  15000     560      $7,021,358      $383,115      5.46          754
  $ 15001 -  20000     567      $9,852,587      $718,183      7.29          832
  $ 20001 -  25000     459     $10,257,453      $840,752      8.20          708
  $ 25001 -  30000     391     $10,668,762      $970,411      9.10          610
  $ 30001 -  35000     289      $9,336,384      $845,888      9.06          547
  $ 35001 -  40000     253      $9,455,848      $954,114     10.09          469
  $ 40001 -  45000     261     $11,082,410    $1,092,364      9.86          552
  $ 45001 -  50000     204      $9,678,252    $1,006,866     10.40          436
  $ 50001 -  75000     884     $54,720,670    $5,867,341     10.72         2334
  $ 75001 - 100000     644     $55,671,496    $6,863,888     12.33         1953
  $100001 - 250000    1228    $186,297,172   $32,278,633     17.33         3928
  OVER $250,000        276    $175,927,491   $47,897,160     27.23          847

                    ______________________________________________________________
  TOTAL               6996    $551,263,525   $99,836,889     18.11        14935
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.0            -0.7           0.0                    0.8
  $     1  -  5000     5.3             0.2           0.0                    1.7
  $  5001 -  10000     7.7             0.7           0.1                    4.0
  $ 10001 -  15000     8.0             1.3           0.4                    5.0
  $ 15001 -  20000     8.1             1.8           0.7                    5.6
  $ 20001 -  25000     6.6             1.9           0.8                    4.7
  $ 25001 -  30000     5.6             1.9           1.0                    4.1
  $ 30001 -  35000     4.1             1.7           0.8                    3.7
  $ 35001 -  40000     3.6             1.7           1.0                    3.1
  $ 40001 -  45000     3.7             2.0           1.1                    3.7
  $ 45001 -  50000     2.9             1.8           1.0                    2.9
  $ 50001 -  75000    12.6             9.9           5.9                   15.6
  $ 75001 - 100000     9.2            10.1           6.9                   13.1
  $100001 - 250000    17.6            33.8          32.3                   26.3
  OVER $250,000        3.9            31.9          48.0                    5.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-53,038          $116                   1.67
  $     1  -  5000                  $2,881           $41                   0.67
  $  5001 -  10000                  $7,539          $176                   1.11
  $ 10001 -  15000                 $12,538          $684                   1.35
  $ 15001 -  20000                 $17,377        $1,267                   1.47
  $ 20001 -  25000                 $22,347        $1,832                   1.54
  $ 25001 -  30000                 $27,286        $2,482                   1.56
  $ 30001 -  35000                 $32,306        $2,927                   1.89
  $ 35001 -  40000                 $37,375        $3,771                   1.85
  $ 40001 -  45000                 $42,461        $4,185                   2.11
  $ 45001 -  50000                 $47,442        $4,936                   2.14
  $ 50001 -  75000                 $61,901        $6,637                   2.64
  $ 75001 - 100000                 $86,446       $10,658                   3.03
  $100001 - 250000                $151,708       $26,286                   3.20
  OVER $250,000                   $637,418      $173,540                   3.07

                    ______________________________________________________________
  TOTAL                            $78,797       $14,271                   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 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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       $-265,251        $1,627     -0.61           37
  $     1  -  5000      71        $191,968          $894      0.47           71
  $  5001 -  10000      88        $657,065        $7,457      1.13          162
  $ 10001 -  15000     120      $1,525,725       $41,230      2.70          241
  $ 15001 -  20000     107      $1,845,958       $77,783      4.21          257
  $ 20001 -  25000      76      $1,719,418       $94,381      5.49          216
  $ 25001 -  30000      70      $1,934,377      $130,528      6.75          194
  $ 30001 -  35000      46      $1,484,528      $127,632      8.60          164
  $ 35001 -  40000      56      $2,098,305      $158,582      7.56          191
  $ 40001 -  45000      40      $1,711,226      $136,600      7.98          149
  $ 45001 -  50000      28      $1,331,344      $110,707      8.32          117
  $ 50001 -  75000      83      $5,007,278      $504,024     10.07          307
  $ 75001 - 100000      20      $1,700,020      $194,829     11.46           74
  OVER $100,000         13      $1,777,874      $328,970     18.50           42

                    ______________________________________________________________
  TOTAL                830     $22,719,835    $1,915,244      8.43         2222
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.4            -1.2           0.1                    1.7
  $     1  -  5000     8.6             0.8           0.0                    3.2
  $  5001 -  10000    10.6             2.9           0.4                    7.3
  $ 10001 -  15000    14.5             6.7           2.2                   10.8
  $ 15001 -  20000    12.9             8.1           4.1                   11.6
  $ 20001 -  25000     9.2             7.6           4.9                    9.7
  $ 25001 -  30000     8.4             8.5           6.8                    8.7
  $ 30001 -  35000     5.5             6.5           6.7                    7.4
  $ 35001 -  40000     6.7             9.2           8.3                    8.6
  $ 40001 -  45000     4.8             7.5           7.1                    6.7
  $ 45001 -  50000     3.4             5.9           5.8                    5.3
  $ 50001 -  75000    10.0            22.0          26.3                   13.8
  $ 75001 - 100000     2.4             7.5          10.2                    3.3
  OVER $100,000        1.6             7.8          17.2                    1.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-22,104          $136                   3.08
  $     1  -  5000                  $2,704           $13                   1.00
  $  5001 -  10000                  $7,467           $85                   1.84
  $ 10001 -  15000                 $12,714          $344                   2.01
  $ 15001 -  20000                 $17,252          $727                   2.40
  $ 20001 -  25000                 $22,624        $1,242                   2.84
  $ 25001 -  30000                 $27,634        $1,865                   2.77
  $ 30001 -  35000                 $32,272        $2,775                   3.57
  $ 35001 -  40000                 $37,470        $2,832                   3.41
  $ 40001 -  45000                 $42,781        $3,415                   3.73
  $ 45001 -  50000                 $47,548        $3,954                   4.18
  $ 50001 -  75000                 $60,329        $6,073                   3.70
  $ 75001 - 100000                 $85,001        $9,741                   3.70
  OVER $100,000                   $136,760       $25,305                   3.23

                    ______________________________________________________________
  TOTAL                            $27,373        $2,308                   2.68
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              18       $-420,563        $3,678     -0.87           50
  $     1  -  5000     213        $638,916        $1,928      0.30          240
  $  5001 -  10000     274      $2,104,568       $32,256      1.53          439
  $ 10001 -  15000     304      $3,833,797      $104,039      2.71          692
  $ 15001 -  20000     308      $5,389,840      $213,145      3.95          789
  $ 20001 -  25000     308      $6,921,714      $377,705      5.46          839
  $ 25001 -  30000     286      $7,862,537      $447,443      5.69          948
  $ 30001 -  35000     284      $9,235,629      $595,198      6.44          998
  $ 35001 -  40000     268     $10,046,357      $689,889      6.87         1039
  $ 40001 -  45000     272     $11,577,063      $882,906      7.63         1086
  $ 45001 -  50000     213     $10,094,363      $794,813      7.87          898
  $ 50001 -  75000     698     $42,213,229    $3,711,734      8.79         3042
  $ 75001 - 100000     240     $20,354,739    $2,155,072     10.59         1136
  OVER $100,000        117     $17,512,388    $2,983,054     17.03          609

                    ______________________________________________________________
  TOTAL               3803    $147,364,577   $12,992,860      8.82        12805
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.3           0.0                    0.4
  $     1  -  5000     5.6             0.4           0.0                    1.9
  $  5001 -  10000     7.2             1.4           0.2                    3.4
  $ 10001 -  15000     8.0             2.6           0.8                    5.4
  $ 15001 -  20000     8.1             3.7           1.6                    6.2
  $ 20001 -  25000     8.1             4.7           2.9                    6.6
  $ 25001 -  30000     7.5             5.3           3.4                    7.4
  $ 30001 -  35000     7.5             6.3           4.6                    7.8
  $ 35001 -  40000     7.0             6.8           5.3                    8.1
  $ 40001 -  45000     7.2             7.9           6.8                    8.5
  $ 45001 -  50000     5.6             6.8           6.1                    7.0
  $ 50001 -  75000    18.4            28.6          28.6                   23.8
  $ 75001 - 100000     6.3            13.8          16.6                    8.9
  OVER $100,000        3.1            11.9          23.0                    4.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-23,365          $204                   2.78
  $     1  -  5000                  $3,000            $9                   1.13
  $  5001 -  10000                  $7,681          $118                   1.60
  $ 10001 -  15000                 $12,611          $342                   2.28
  $ 15001 -  20000                 $17,499          $692                   2.56
  $ 20001 -  25000                 $22,473        $1,226                   2.72
  $ 25001 -  30000                 $27,491        $1,564                   3.31
  $ 30001 -  35000                 $32,520        $2,096                   3.51
  $ 35001 -  40000                 $37,486        $2,574                   3.88
  $ 40001 -  45000                 $42,563        $3,246                   3.99
  $ 45001 -  50000                 $47,391        $3,732                   4.22
  $ 50001 -  75000                 $60,477        $5,318                   4.36
  $ 75001 - 100000                 $84,811        $8,979                   4.73
  OVER $100,000                   $149,679       $25,496                   5.21

                    ______________________________________________________________
  TOTAL                            $38,750        $3,416                   3.37
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              27     $-5,559,165        $3,107     -0.06           68
  $     1  -  5000     250        $685,628        $2,463      0.36          221
  $  5001 -  10000     347      $2,642,063       $44,311      1.68          552
  $ 10001 -  15000     407      $5,173,229      $138,505      2.68          907
  $ 15001 -  20000     413      $7,229,852      $302,877      4.19          996
  $ 20001 -  25000     349      $7,856,617      $399,554      5.09         1021
  $ 25001 -  30000     342      $9,407,481      $587,170      6.24          997
  $ 30001 -  35000     364     $11,835,482      $754,086      6.37         1271
  $ 35001 -  40000     406     $15,242,273    $1,052,748      6.91         1502
  $ 40001 -  45000     385     $16,346,773    $1,211,382      7.41         1505
  $ 45001 -  50000     390     $18,508,747    $1,361,478      7.36         1575
  $ 50001 -  75000    1282     $78,162,309    $6,570,818      8.41         5584
  $ 75001 - 100000     498     $42,538,052    $4,515,310     10.61         2285
  $100001 - 250000     280     $35,983,612    $5,095,118     14.16         1392
  OVER $250,000         20      $7,594,014    $1,787,183     23.53           88

                    ______________________________________________________________
  TOTAL               5760    $253,646,967   $23,826,110      9.39        19964
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -2.2           0.0                    0.3
  $     1  -  5000     4.3             0.3           0.0                    1.1
  $  5001 -  10000     6.0             1.0           0.2                    2.8
  $ 10001 -  15000     7.1             2.0           0.6                    4.5
  $ 15001 -  20000     7.2             2.9           1.3                    5.0
  $ 20001 -  25000     6.1             3.1           1.7                    5.1
  $ 25001 -  30000     5.9             3.7           2.5                    5.0
  $ 30001 -  35000     6.3             4.7           3.2                    6.4
  $ 35001 -  40000     7.0             6.0           4.4                    7.5
  $ 40001 -  45000     6.7             6.4           5.1                    7.5
  $ 45001 -  50000     6.8             7.3           5.7                    7.9
  $ 50001 -  75000    22.3            30.8          27.6                   28.0
  $ 75001 - 100000     8.6            16.8          19.0                   11.4
  $100001 - 250000     4.9            14.2          21.4                    7.0
  OVER $250,000        0.3             3.0           7.5                    0.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-205895          $115                   2.52
  $     1  -  5000                  $2,743           $10                   0.88
  $  5001 -  10000                  $7,614          $128                   1.59
  $ 10001 -  15000                 $12,711          $340                   2.23
  $ 15001 -  20000                 $17,506          $733                   2.41
  $ 20001 -  25000                 $22,512        $1,145                   2.93
  $ 25001 -  30000                 $27,507        $1,717                   2.92
  $ 30001 -  35000                 $32,515        $2,072                   3.49
  $ 35001 -  40000                 $37,543        $2,593                   3.70
  $ 40001 -  45000                 $42,459        $3,146                   3.91
  $ 45001 -  50000                 $47,458        $3,491                   4.04
  $ 50001 -  75000                 $60,969        $5,125                   4.36
  $ 75001 - 100000                 $85,418        $9,067                   4.59
  $100001 - 250000                $128,513       $18,197                   4.97
  OVER $250,000                   $379,701       $89,359                   4.40

                    ______________________________________________________________
  TOTAL                            $44,036        $4,136                   3.47
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      PRICE UT
                        _________________________________________________
  UNDER $1              25       $-295,815           $67     -0.02           51
  $     1  -  5000     342        $895,459        $4,385      0.49          456
  $  5001 -  10000     404      $3,039,758       $37,170      1.22          715
  $ 10001 -  15000     366      $4,594,823      $136,499      2.97          720
  $ 15001 -  20000     310      $5,415,835      $256,718      4.74          667
  $ 20001 -  25000     273      $6,133,687      $398,225      6.49          642
  $ 25001 -  30000     232      $6,347,709      $452,762      7.13          611
  $ 30001 -  35000     254      $8,278,538      $670,279      8.10          692
  $ 35001 -  40000     230      $8,634,894      $744,349      8.62          715
  $ 40001 -  45000     205      $8,720,829      $805,721      9.24          671
  $ 45001 -  50000     196      $9,316,929      $877,355      9.42          685
  $ 50001 -  75000     745     $45,761,764    $4,908,602     10.73         2674
  $ 75001 - 100000     329     $27,973,383    $3,649,560     13.05         1270
  $100001 - 250000     165     $21,522,707    $3,664,091     17.02          665
  OVER $250,000         14      $5,050,887    $1,292,518     25.59           61

                    ______________________________________________________________
  TOTAL               4090    $161,391,387   $17,898,301     11.09        11295
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.2           0.0                    0.5
  $     1  -  5000     8.4             0.6           0.0                    4.0
  $  5001 -  10000     9.9             1.9           0.2                    6.3
  $ 10001 -  15000     8.9             2.8           0.8                    6.4
  $ 15001 -  20000     7.6             3.4           1.4                    5.9
  $ 20001 -  25000     6.7             3.8           2.2                    5.7
  $ 25001 -  30000     5.7             3.9           2.5                    5.4
  $ 30001 -  35000     6.2             5.1           3.7                    6.1
  $ 35001 -  40000     5.6             5.4           4.2                    6.3
  $ 40001 -  45000     5.0             5.4           4.5                    5.9
  $ 45001 -  50000     4.8             5.8           4.9                    6.1
  $ 50001 -  75000    18.2            28.4          27.4                   23.7
  $ 75001 - 100000     8.0            17.3          20.4                   11.2
  $100001 - 250000     4.0            13.3          20.5                    5.9
  OVER $250,000        0.3             3.1           7.2                    0.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-11,833            $3                   2.04
  $     1  -  5000                  $2,618           $13                   1.33
  $  5001 -  10000                  $7,524           $92                   1.77
  $ 10001 -  15000                 $12,554          $373                   1.97
  $ 15001 -  20000                 $17,470          $828                   2.15
  $ 20001 -  25000                 $22,468        $1,459                   2.35
  $ 25001 -  30000                 $27,361        $1,952                   2.63
  $ 30001 -  35000                 $32,593        $2,639                   2.72
  $ 35001 -  40000                 $37,543        $3,236                   3.11
  $ 40001 -  45000                 $42,541        $3,930                   3.27
  $ 45001 -  50000                 $47,535        $4,476                   3.49
  $ 50001 -  75000                 $61,425        $6,589                   3.59
  $ 75001 - 100000                 $85,025       $11,093                   3.86
  $100001 - 250000                $130,441       $22,207                   4.03
  OVER $250,000                   $360,778       $92,323                   4.36

                    ______________________________________________________________
  TOTAL                            $39,460        $4,376                   2.76
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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         56        $-11,088        $1,368     -12.3           51
  $  5001 -  10000      70        $524,889       $13,469      2.57           86
  $ 10001 -  15000      71        $876,092       $30,832      3.52          106
  $ 15001 -  20000      65      $1,143,881       $54,277      4.74          135
  $ 20001 -  25000      48      $1,083,728       $54,477      5.03          133
  $ 25001 -  30000      63      $1,727,488      $101,324      5.87          183
  $ 30001 -  35000      57      $1,879,581      $133,418      7.10          186
  $ 35001 -  40000      67      $2,525,398      $176,240      6.98          230
  $ 40001 -  45000      58      $2,466,901      $176,572      7.16          219
  $ 45001 -  50000      67      $3,186,540      $247,805      7.78          278
  $ 50001 -  75000     277     $17,029,795    $1,550,422      9.10         1140
  $ 75001 - 100000     117     $10,065,749    $1,122,834     11.15          504
  $100001 - 250000     117     $16,472,845    $2,619,885     15.90          514
  OVER $250,000         17      $7,631,463    $1,858,983     24.36           81

                    ______________________________________________________________
  TOTAL               1150     $66,603,262    $8,141,906     12.22         3846
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        4.9            -0.0           0.0                    1.3
  $  5001 -  10000     6.1             0.8           0.2                    2.2
  $ 10001 -  15000     6.2             1.3           0.4                    2.8
  $ 15001 -  20000     5.7             1.7           0.7                    3.5
  $ 20001 -  25000     4.2             1.6           0.7                    3.5
  $ 25001 -  30000     5.5             2.6           1.2                    4.8
  $ 30001 -  35000     5.0             2.8           1.6                    4.8
  $ 35001 -  40000     5.8             3.8           2.2                    6.0
  $ 40001 -  45000     5.0             3.7           2.2                    5.7
  $ 45001 -  50000     5.8             4.8           3.0                    7.2
  $ 50001 -  75000    24.1            25.6          19.0                   29.6
  $ 75001 - 100000    10.2            15.1          13.8                   13.1
  $100001 - 250000    10.2            24.7          32.2                   13.4
  OVER $250,000        1.5            11.5          22.8                    2.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                      $-198           $24                   0.91
  $  5001 -  10000                  $7,498          $192                   1.23
  $ 10001 -  15000                 $12,339          $434                   1.49
  $ 15001 -  20000                 $17,598          $835                   2.08
  $ 20001 -  25000                 $22,578        $1,135                   2.77
  $ 25001 -  30000                 $27,420        $1,608                   2.90
  $ 30001 -  35000                 $32,975        $2,341                   3.26
  $ 35001 -  40000                 $37,693        $2,630                   3.43
  $ 40001 -  45000                 $42,533        $3,044                   3.78
  $ 45001 -  50000                 $47,560        $3,699                   4.15
  $ 50001 -  75000                 $61,479        $5,597                   4.12
  $ 75001 - 100000                 $86,032        $9,597                   4.31
  $100001 - 250000                $140,794       $22,392                   4.39
  OVER $250,000                   $448,910      $109,352                   4.76

                    ______________________________________________________________
  TOTAL                            $57,916        $7,080                   3.34
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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             200     $-6,049,111       $41,960     -0.69          403
  $     1  -  5000    3029      $8,756,435       $43,446      0.50         2427
  $  5001 -  10000    4158     $31,039,160      $662,838      2.14         5449
  $ 10001 -  15000    3579     $44,531,478    $1,579,356      3.55         6647
  $ 15001 -  20000    3040     $52,987,488    $2,682,566      5.06         6520
  $ 20001 -  25000    2271     $50,950,802    $3,210,287      6.30         5444
  $ 25001 -  30000    1746     $47,865,535    $3,422,116      7.15         4569
  $ 30001 -  35000    1470     $47,625,907    $3,660,038      7.68         4143
  $ 35001 -  40000    1247     $46,589,859    $3,746,081      8.04         3874
  $ 40001 -  45000    1058     $44,923,200    $3,755,770      8.36         3477
  $ 45001 -  50000     853     $40,439,410    $3,530,046      8.73         2885
  $ 50001 -  75000    2461    $148,835,848   $14,059,687      9.45         9148
  $ 75001 - 100000    1143     $98,193,897   $10,984,465     11.19         4752
  $100001 - 250000     994    $135,980,894   $20,768,427     15.27         4258
  OVER $250,000        207    $111,599,942   $29,072,110     26.05          973

                    ______________________________________________________________
  TOTAL              27456    $904,270,744  $101,219,193     11.19        64969
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.7           0.0                    0.6
  $     1  -  5000    11.0             1.0           0.0                    3.7
  $  5001 -  10000    15.1             3.4           0.7                    8.4
  $ 10001 -  15000    13.0             4.9           1.6                   10.2
  $ 15001 -  20000    11.1             5.9           2.7                   10.0
  $ 20001 -  25000     8.3             5.6           3.2                    8.4
  $ 25001 -  30000     6.4             5.3           3.4                    7.0
  $ 30001 -  35000     5.4             5.3           3.6                    6.4
  $ 35001 -  40000     4.5             5.2           3.7                    6.0
  $ 40001 -  45000     3.9             5.0           3.7                    5.4
  $ 45001 -  50000     3.1             4.5           3.5                    4.4
  $ 50001 -  75000     9.0            16.5          13.9                   14.1
  $ 75001 - 100000     4.2            10.9          10.9                    7.3
  $100001 - 250000     3.6            15.0          20.5                    6.6
  OVER $250,000        0.8            12.3          28.7                    1.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-30,246          $210                   2.02
  $     1  -  5000                  $2,891           $14                   0.80
  $  5001 -  10000                  $7,465          $159                   1.31
  $ 10001 -  15000                 $12,442          $441                   1.86
  $ 15001 -  20000                 $17,430          $882                   2.14
  $ 20001 -  25000                 $22,435        $1,414                   2.40
  $ 25001 -  30000                 $27,414        $1,960                   2.62
  $ 30001 -  35000                 $32,399        $2,490                   2.82
  $ 35001 -  40000                 $37,362        $3,004                   3.11
  $ 40001 -  45000                 $42,460        $3,550                   3.29
  $ 45001 -  50000                 $47,408        $4,138                   3.38
  $ 50001 -  75000                 $60,478        $5,713                   3.72
  $ 75001 - 100000                 $85,909        $9,610                   4.16
  $100001 - 250000                $136,802       $20,894                   4.28
  OVER $250,000                   $539,130      $140,445                   4.70

                    ______________________________________________________________
  TOTAL                            $32,935        $3,687                   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 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              20       $-282,230        $3,138     -1.11           46
  $     1  -  5000     166        $457,979        $1,739      0.38          239
  $  5001 -  10000     183      $1,420,967       $17,411      1.23          361
  $ 10001 -  15000     208      $2,623,230       $75,104      2.86          428
  $ 15001 -  20000     164      $2,861,466      $109,276      3.82          404
  $ 20001 -  25000     163      $3,679,168      $206,610      5.62          443
  $ 25001 -  30000     140      $3,856,574      $252,417      6.55          417
  $ 30001 -  35000     118      $3,838,486      $267,129      6.96          391
  $ 35001 -  40000     111      $4,176,127      $325,165      7.79          360
  $ 40001 -  45000      83      $3,537,833      $302,820      8.56          295
  $ 45001 -  50000     122      $5,809,655      $549,526      9.46          408
  $ 50001 -  75000     314     $19,010,279    $1,805,498      9.50         1254
  $ 75001 - 100000     124     $10,577,703    $1,257,522     11.89          511
  OVER $100,000         89     $13,985,265    $2,480,061     17.73          439

                    ______________________________________________________________
  TOTAL               2005     $75,552,502    $7,653,416     10.13         5996
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.0            -0.4           0.0                    0.8
  $     1  -  5000     8.3             0.6           0.0                    4.0
  $  5001 -  10000     9.1             1.9           0.2                    6.0
  $ 10001 -  15000    10.4             3.5           1.0                    7.1
  $ 15001 -  20000     8.2             3.8           1.4                    6.7
  $ 20001 -  25000     8.1             4.9           2.7                    7.4
  $ 25001 -  30000     7.0             5.1           3.3                    7.0
  $ 30001 -  35000     5.9             5.1           3.5                    6.5
  $ 35001 -  40000     5.5             5.5           4.2                    6.0
  $ 40001 -  45000     4.1             4.7           4.0                    4.9
  $ 45001 -  50000     6.1             7.7           7.2                    6.8
  $ 50001 -  75000    15.7            25.2          23.6                   20.9
  $ 75001 - 100000     6.2            14.0          16.4                    8.5
  OVER $100,000        4.4            18.5          32.4                    7.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-14,112          $157                   2.30
  $     1  -  5000                  $2,759           $10                   1.44
  $  5001 -  10000                  $7,765           $95                   1.97
  $ 10001 -  15000                 $12,612          $361                   2.06
  $ 15001 -  20000                 $17,448          $666                   2.46
  $ 20001 -  25000                 $22,572        $1,268                   2.72
  $ 25001 -  30000                 $27,547        $1,803                   2.98
  $ 30001 -  35000                 $32,530        $2,264                   3.31
  $ 35001 -  40000                 $37,623        $2,929                   3.24
  $ 40001 -  45000                 $42,624        $3,648                   3.55
  $ 45001 -  50000                 $47,620        $4,504                   3.34
  $ 50001 -  75000                 $60,542        $5,750                   3.99
  $ 75001 - 100000                 $85,304       $10,141                   4.12
  OVER $100,000                   $157,138       $27,866                   4.93

                    ______________________________________________________________
  TOTAL                            $37,682        $3,817                   2.99
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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         78        $191,052          $386      0.20           65
  $  5001 -  10000      92        $700,634       $11,845      1.69          143
  $ 10001 -  15000     101      $1,291,936       $55,151      4.27          172
  $ 15001 -  20000     117      $2,030,987      $119,786      5.90          216
  $ 20001 -  25000     113      $2,534,072      $182,810      7.21          234
  $ 25001 -  30000     114      $3,139,011      $255,616      8.14          247
  $ 30001 -  35000     103      $3,324,830      $299,671      9.01          218
  $ 35001 -  40000     107      $4,010,790      $340,932      8.50          317
  $ 40001 -  45000      87      $3,665,986      $355,492      9.70          248
  $ 45001 -  50000      79      $3,739,813      $371,179      9.93          236
  $ 50001 -  75000     286     $17,471,380    $1,839,267     10.53          954
  $ 75001 - 100000     109      $9,267,444    $1,167,029     12.59          395
  OVER $100,000         37      $4,655,595      $734,609     15.78          135

                    ______________________________________________________________
  TOTAL               1423     $56,023,530    $5,733,773     10.23         3580
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        5.5             0.3           0.0                    1.8
  $  5001 -  10000     6.5             1.3           0.2                    4.0
  $ 10001 -  15000     7.1             2.3           1.0                    4.8
  $ 15001 -  20000     8.2             3.6           2.1                    6.0
  $ 20001 -  25000     7.9             4.5           3.2                    6.5
  $ 25001 -  30000     8.0             5.6           4.5                    6.9
  $ 30001 -  35000     7.2             5.9           5.2                    6.1
  $ 35001 -  40000     7.5             7.2           5.9                    8.9
  $ 40001 -  45000     6.1             6.5           6.2                    6.9
  $ 45001 -  50000     5.6             6.7           6.5                    6.6
  $ 50001 -  75000    20.1            31.2          32.1                   26.6
  $ 75001 - 100000     7.7            16.5          20.4                   11.0
  OVER $100,000        2.6             8.3          12.8                    3.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,449            $5                   0.83
  $  5001 -  10000                  $7,616          $129                   1.55
  $ 10001 -  15000                 $12,791          $546                   1.70
  $ 15001 -  20000                 $17,359        $1,024                   1.85
  $ 20001 -  25000                 $22,425        $1,618                   2.07
  $ 25001 -  30000                 $27,535        $2,242                   2.17
  $ 30001 -  35000                 $32,280        $2,909                   2.12
  $ 35001 -  40000                 $37,484        $3,186                   2.96
  $ 40001 -  45000                 $42,138        $4,086                   2.85
  $ 45001 -  50000                 $47,339        $4,698                   2.99
  $ 50001 -  75000                 $61,089        $6,431                   3.34
  $ 75001 - 100000                 $85,022       $10,707                   3.62
  OVER $100,000                   $125,827       $19,854                   3.65

                    ______________________________________________________________
  TOTAL                            $39,370        $4,029                   2.52
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              30       $-897,211        $1,653     -0.18           95
  $     1  -  5000     236        $597,186        $3,120      0.52          192
  $  5001 -  10000     234      $1,744,717       $33,613      1.93          335
  $ 10001 -  15000     287      $3,559,553      $108,293      3.04          563
  $ 15001 -  20000     280      $4,881,725      $248,299      5.09          591
  $ 20001 -  25000     280      $6,282,199      $336,337      5.35          726
  $ 25001 -  30000     301      $8,280,184      $516,506      6.24          858
  $ 30001 -  35000     342     $11,155,389      $672,398      6.03         1181
  $ 35001 -  40000     388     $14,551,254      $949,726      6.53         1410
  $ 40001 -  45000     459     $19,523,380    $1,382,789      7.08         1733
  $ 45001 -  50000     478     $22,793,931    $1,743,964      7.65         1874
  $ 50001 -  75000    1836    $112,173,761    $9,644,715      8.60         7462
  $ 75001 - 100000     749     $63,787,898    $6,907,697     10.83         3221
  $100001 - 250000     375     $48,255,510    $7,220,171     14.96         1644
  OVER $250,000         19     $10,410,343    $3,000,570     28.82           65

                    ______________________________________________________________
  TOTAL               6294    $327,099,819   $32,769,851     10.02        21950
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.3           0.0                    0.4
  $     1  -  5000     3.7             0.2           0.0                    0.9
  $  5001 -  10000     3.7             0.5           0.1                    1.5
  $ 10001 -  15000     4.6             1.1           0.3                    2.6
  $ 15001 -  20000     4.4             1.5           0.8                    2.7
  $ 20001 -  25000     4.4             1.9           1.0                    3.3
  $ 25001 -  30000     4.8             2.5           1.6                    3.9
  $ 30001 -  35000     5.4             3.4           2.1                    5.4
  $ 35001 -  40000     6.2             4.4           2.9                    6.4
  $ 40001 -  45000     7.3             6.0           4.2                    7.9
  $ 45001 -  50000     7.6             7.0           5.3                    8.5
  $ 50001 -  75000    29.2            34.3          29.4                   34.0
  $ 75001 - 100000    11.9            19.5          21.1                   14.7
  $100001 - 250000     6.0            14.8          22.0                    7.5
  OVER $250,000        0.3             3.2           9.2                    0.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-29,907           $55                   3.17
  $     1  -  5000                  $2,530           $13                   0.81
  $  5001 -  10000                  $7,456          $144                   1.43
  $ 10001 -  15000                 $12,403          $377                   1.96
  $ 15001 -  20000                 $17,435          $887                   2.11
  $ 20001 -  25000                 $22,436        $1,201                   2.59
  $ 25001 -  30000                 $27,509        $1,716                   2.85
  $ 30001 -  35000                 $32,618        $1,966                   3.45
  $ 35001 -  40000                 $37,503        $2,448                   3.63
  $ 40001 -  45000                 $42,535        $3,013                   3.78
  $ 45001 -  50000                 $47,686        $3,648                   3.92
  $ 50001 -  75000                 $61,097        $5,253                   4.06
  $ 75001 - 100000                 $85,164        $9,223                   4.30
  $100001 - 250000                $128,681       $19,254                   4.38
  OVER $250,000                   $547,913      $157,925                   3.42

                    ______________________________________________________________
  TOTAL                            $51,970        $5,207                   3.49
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              28       $-979,774          $561     -0.06           70
  $     1  -  5000     183        $463,478        $1,924      0.42          255
  $  5001 -  10000     220      $1,656,559       $17,537      1.06          453
  $ 10001 -  15000     190      $2,361,861       $58,967      2.50          473
  $ 15001 -  20000     179      $3,127,127      $115,501      3.69          534
  $ 20001 -  25000     178      $4,022,305      $203,490      5.06          567
  $ 25001 -  30000     155      $4,241,056      $256,886      6.06          540
  $ 30001 -  35000     147      $4,743,947      $348,925      7.36          484
  $ 35001 -  40000     135      $5,039,867      $396,999      7.88          485
  $ 40001 -  45000     122      $5,176,624      $431,401      8.33          475
  $ 45001 -  50000      80      $3,785,159      $317,035      8.38          333
  $ 50001 -  75000     272     $16,540,764    $1,605,791      9.71         1169
  $ 75001 - 100000      98      $8,305,296      $967,656     11.65          517
  $100001 - 250000      79     $11,226,457    $1,551,705     13.82          555
  OVER $250,000         10      $5,197,355    $1,130,766     21.76          104

                    ______________________________________________________________
  TOTAL               2076     $74,908,081    $7,405,144      9.89         7014
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.3            -1.3           0.0                    1.0
  $     1  -  5000     8.8             0.6           0.0                    3.6
  $  5001 -  10000    10.6             2.2           0.2                    6.5
  $ 10001 -  15000     9.2             3.2           0.8                    6.7
  $ 15001 -  20000     8.6             4.2           1.6                    7.6
  $ 20001 -  25000     8.6             5.4           2.7                    8.1
  $ 25001 -  30000     7.5             5.7           3.5                    7.7
  $ 30001 -  35000     7.1             6.3           4.7                    6.9
  $ 35001 -  40000     6.5             6.7           5.4                    6.9
  $ 40001 -  45000     5.9             6.9           5.8                    6.8
  $ 45001 -  50000     3.9             5.1           4.3                    4.7
  $ 50001 -  75000    13.1            22.1          21.7                   16.7
  $ 75001 - 100000     4.7            11.1          13.1                    7.4
  $100001 - 250000     3.8            15.0          21.0                    7.9
  OVER $250,000        0.5             6.9          15.3                    1.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-34,992           $20                   2.50
  $     1  -  5000                  $2,533           $11                   1.39
  $  5001 -  10000                  $7,530           $80                   2.06
  $ 10001 -  15000                 $12,431          $310                   2.49
  $ 15001 -  20000                 $17,470          $645                   2.98
  $ 20001 -  25000                 $22,597        $1,143                   3.19
  $ 25001 -  30000                 $27,362        $1,657                   3.48
  $ 30001 -  35000                 $32,272        $2,374                   3.29
  $ 35001 -  40000                 $37,332        $2,941                   3.59
  $ 40001 -  45000                 $42,431        $3,536                   3.89
  $ 45001 -  50000                 $47,314        $3,963                   4.16
  $ 50001 -  75000                 $60,812        $5,904                   4.30
  $ 75001 - 100000                 $84,748        $9,874                   5.28
  $100001 - 250000                $142,107       $19,642                   7.03
  OVER $250,000                   $519,736      $113,077                   10.4

                    ______________________________________________________________
  TOTAL                            $36,083        $3,567                   3.38
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              21       $-288,407        $7,711     -2.67           42
  $     1  -  5000     407      $1,155,350       $13,223      1.14          336
  $  5001 -  10000     551      $4,235,327       $74,942      1.77          776
  $ 10001 -  15000     668      $8,390,177      $310,402      3.70         1166
  $ 15001 -  20000     724     $12,671,767      $670,089      5.29         1432
  $ 20001 -  25000     803     $18,030,347    $1,202,142      6.67         1736
  $ 25001 -  30000     868     $23,857,340    $1,756,450      7.36         2157
  $ 30001 -  35000     767     $24,952,416    $1,951,350      7.82         2056
  $ 35001 -  40000     836     $31,376,490    $2,639,600      8.41         2420
  $ 40001 -  45000     778     $33,114,131    $2,914,447      8.80         2387
  $ 45001 -  50000     740     $35,178,629    $3,123,299      8.88         2521
  $ 50001 -  75000    2393    $145,790,717   $14,553,765      9.98         8547
  $ 75001 - 100000     780     $65,962,674    $7,924,652     12.01         3042
  $100001 - 250000     332     $41,664,594    $6,273,005     15.06         1385
  OVER $250,000         17     $10,014,241    $3,014,396     30.10           67

                    ______________________________________________________________
  TOTAL              10685    $456,105,793   $46,429,473     10.18        30070
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.2            -0.1           0.0                    0.1
  $     1  -  5000     3.8             0.3           0.0                    1.1
  $  5001 -  10000     5.2             0.9           0.2                    2.6
  $ 10001 -  15000     6.3             1.8           0.7                    3.9
  $ 15001 -  20000     6.8             2.8           1.4                    4.8
  $ 20001 -  25000     7.5             4.0           2.6                    5.8
  $ 25001 -  30000     8.1             5.2           3.8                    7.2
  $ 30001 -  35000     7.2             5.5           4.2                    6.8
  $ 35001 -  40000     7.8             6.9           5.7                    8.0
  $ 40001 -  45000     7.3             7.3           6.3                    7.9
  $ 45001 -  50000     6.9             7.7           6.7                    8.4
  $ 50001 -  75000    22.4            32.0          31.3                   28.4
  $ 75001 - 100000     7.3            14.5          17.1                   10.1
  $100001 - 250000     3.1             9.1          13.5                    4.6
  OVER $250,000        0.2             2.2           6.5                    0.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-13,734          $367                   2.00
  $     1  -  5000                  $2,839           $32                   0.83
  $  5001 -  10000                  $7,687          $136                   1.41
  $ 10001 -  15000                 $12,560          $465                   1.75
  $ 15001 -  20000                 $17,502          $926                   1.98
  $ 20001 -  25000                 $22,454        $1,497                   2.16
  $ 25001 -  30000                 $27,485        $2,024                   2.49
  $ 30001 -  35000                 $32,532        $2,544                   2.68
  $ 35001 -  40000                 $37,532        $3,157                   2.89
  $ 40001 -  45000                 $42,563        $3,746                   3.07
  $ 45001 -  50000                 $47,539        $4,221                   3.41
  $ 50001 -  75000                 $60,924        $6,082                   3.57
  $ 75001 - 100000                 $84,568       $10,160                   3.90
  $100001 - 250000                $125,496       $18,895                   4.17
  OVER $250,000                   $589,073      $177,317                   3.94

                    ______________________________________________________________
  TOTAL                            $42,687        $4,345                   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 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              13       $-246,868            $0      0.00           30
  $     1  -  5000      55        $160,259        $2,220      1.39           35
  $  5001 -  10000      74        $539,938       $10,920      2.02           94
  $ 10001 -  15000      82      $1,051,193       $35,878      3.41          143
  $ 15001 -  20000      71      $1,241,386       $53,708      4.33          177
  $ 20001 -  25000      65      $1,450,820       $70,648      4.87          185
  $ 25001 -  30000      73      $2,023,417      $122,436      6.05          220
  $ 30001 -  35000      70      $2,270,758      $145,914      6.43          245
  $ 35001 -  40000      62      $2,345,499      $167,185      7.13          240
  $ 40001 -  45000      59      $2,497,729      $184,923      7.40          220
  $ 45001 -  50000      80      $3,784,016      $280,218      7.41          333
  $ 50001 -  75000     272     $16,639,659    $1,447,853      8.70         1170
  $ 75001 - 100000     107      $9,261,913    $1,030,197     11.12          519
  $100001 - 250000      69     $10,263,590    $1,534,518     14.95          359
  OVER $250,000         11      $8,428,332    $2,266,608     26.89           72

                    ______________________________________________________________
  TOTAL               1163     $61,711,641    $7,353,226     11.92         4042
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.1            -0.4           0.0                    0.7
  $     1  -  5000     4.7             0.3           0.0                    0.9
  $  5001 -  10000     6.4             0.9           0.1                    2.3
  $ 10001 -  15000     7.1             1.7           0.5                    3.5
  $ 15001 -  20000     6.1             2.0           0.7                    4.4
  $ 20001 -  25000     5.6             2.4           1.0                    4.6
  $ 25001 -  30000     6.3             3.3           1.7                    5.4
  $ 30001 -  35000     6.0             3.7           2.0                    6.1
  $ 35001 -  40000     5.3             3.8           2.3                    5.9
  $ 40001 -  45000     5.1             4.0           2.5                    5.4
  $ 45001 -  50000     6.9             6.1           3.8                    8.2
  $ 50001 -  75000    23.4            27.0          19.7                   28.9
  $ 75001 - 100000     9.2            15.0          14.0                   12.8
  $100001 - 250000     5.9            16.6          20.9                    8.9
  OVER $250,000        0.9            13.7          30.8                    1.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-18,990            $0                   2.31
  $     1  -  5000                  $2,914           $40                   0.64
  $  5001 -  10000                  $7,296          $148                   1.27
  $ 10001 -  15000                 $12,819          $438                   1.74
  $ 15001 -  20000                 $17,484          $756                   2.49
  $ 20001 -  25000                 $22,320        $1,087                   2.85
  $ 25001 -  30000                 $27,718        $1,677                   3.01
  $ 30001 -  35000                 $32,439        $2,084                   3.50
  $ 35001 -  40000                 $37,831        $2,697                   3.87
  $ 40001 -  45000                 $42,334        $3,134                   3.73
  $ 45001 -  50000                 $47,300        $3,503                   4.16
  $ 50001 -  75000                 $61,175        $5,323                   4.30
  $ 75001 - 100000                 $86,560        $9,628                   4.85
  $100001 - 250000                $148,748       $22,239                   5.20
  OVER $250,000                   $766,212      $206,055                   6.55

                    ______________________________________________________________
  TOTAL                            $53,062        $6,323                   3.48
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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             744    $-26,670,092       $99,351     -0.37         1203
  $     1  -  5000    7312     $20,705,121      $129,682      0.63         7821
  $  5001 -  10000   11001     $83,596,630    $1,603,094      1.92        15185
  $ 10001 -  15000   12557    $157,681,246    $6,821,600      4.33        20240
  $ 15001 -  20000   13118    $229,017,629   $14,036,092      6.13        23336
  $ 20001 -  25000   11340    $254,243,402   $18,959,275      7.46        21637
  $ 25001 -  30000    9838    $270,121,813   $22,299,725      8.26        20001
  $ 30001 -  35000    8478    $275,086,774   $24,230,063      8.81        18673
  $ 35001 -  40000    7563    $283,122,173   $26,775,651      9.46        17929
  $ 40001 -  45000    6475    $274,622,025   $27,319,242      9.95        16071
  $ 45001 -  50000    5577    $264,664,572   $27,121,573     10.25        14699
  $ 50001 -  75000   18067  $1,101,337,939  $120,973,318     10.98        53551
  $ 75001 - 100000    8592    $738,393,594   $95,049,619     12.87        28653
  $100001 - 250000    8746  $1,241,186,376  $211,830,759     17.07        30621
  OVER $250,000       1879  $1,282,115,411  $414,699,639     32.34         6642

                    ______________________________________________________________
  TOTAL             131287  $6,449,224,613$1,011,948,683     15.69       296262
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.4           0.0                    0.4
  $     1  -  5000     5.6             0.3           0.0                    2.6
  $  5001 -  10000     8.4             1.3           0.2                    5.1
  $ 10001 -  15000     9.6             2.4           0.7                    6.8
  $ 15001 -  20000    10.0             3.6           1.4                    7.9
  $ 20001 -  25000     8.6             3.9           1.9                    7.3
  $ 25001 -  30000     7.5             4.2           2.2                    6.8
  $ 30001 -  35000     6.5             4.3           2.4                    6.3
  $ 35001 -  40000     5.8             4.4           2.6                    6.1
  $ 40001 -  45000     4.9             4.3           2.7                    5.4
  $ 45001 -  50000     4.2             4.1           2.7                    5.0
  $ 50001 -  75000    13.8            17.1          12.0                   18.1
  $ 75001 - 100000     6.5            11.4           9.4                    9.7
  $100001 - 250000     6.7            19.2          20.9                   10.3
  OVER $250,000        1.4            19.9          41.0                    2.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-35,847          $134                   1.62
  $     1  -  5000                  $2,832           $18                   1.07
  $  5001 -  10000                  $7,599          $146                   1.38
  $ 10001 -  15000                 $12,557          $543                   1.61
  $ 15001 -  20000                 $17,458        $1,070                   1.78
  $ 20001 -  25000                 $22,420        $1,672                   1.91
  $ 25001 -  30000                 $27,457        $2,267                   2.03
  $ 30001 -  35000                 $32,447        $2,858                   2.20
  $ 35001 -  40000                 $37,435        $3,540                   2.37
  $ 40001 -  45000                 $42,413        $4,219                   2.48
  $ 45001 -  50000                 $47,456        $4,863                   2.64
  $ 50001 -  75000                 $60,959        $6,696                   2.96
  $ 75001 - 100000                 $85,940       $11,063                   3.33
  $100001 - 250000                $141,915       $24,220                   3.50
  OVER $250,000                   $682,339      $220,702                   3.53

                    ______________________________________________________________
  TOTAL                            $49,123        $7,708                   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 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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             139    $-19,621,342       $26,142     -0.13          358
  $     1  -  5000    1388      $3,786,696       $36,883      0.97          965
  $  5001 -  10000    1560     $11,730,053      $254,877      2.17         2013
  $ 10001 -  15000    1718     $21,496,556      $890,951      4.14         2825
  $ 15001 -  20000    1826     $31,989,823    $1,753,845      5.48         3444
  $ 20001 -  25000    1595     $35,882,422    $2,332,791      6.50         3431
  $ 25001 -  30000    1575     $43,208,663    $3,054,250      7.07         3769
  $ 30001 -  35000    1589     $51,638,318    $3,925,411      7.60         4146
  $ 35001 -  40000    1544     $57,867,718    $4,621,061      7.99         4478
  $ 40001 -  45000    1557     $66,212,875    $5,642,162      8.52         4854
  $ 45001 -  50000    1487     $70,781,382    $6,026,767      8.51         4995
  $ 50001 -  75000    6587    $407,148,601   $38,621,635      9.49        23927
  $ 75001 - 100000    4109    $354,455,993   $41,106,049     11.60        16140
  $100001 - 250000    4086    $564,029,398   $88,526,431     15.70        17139
  OVER $250,000        558    $340,340,500   $94,695,588     27.82         2308

                    ______________________________________________________________
  TOTAL              31318  $2,040,947,656  $291,514,843     14.28        94792
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -1.0           0.0                    0.4
  $     1  -  5000     4.4             0.2           0.0                    1.0
  $  5001 -  10000     5.0             0.6           0.1                    2.1
  $ 10001 -  15000     5.5             1.1           0.3                    3.0
  $ 15001 -  20000     5.8             1.6           0.6                    3.6
  $ 20001 -  25000     5.1             1.8           0.8                    3.6
  $ 25001 -  30000     5.0             2.1           1.0                    4.0
  $ 30001 -  35000     5.1             2.5           1.3                    4.4
  $ 35001 -  40000     4.9             2.8           1.6                    4.7
  $ 40001 -  45000     5.0             3.2           1.9                    5.1
  $ 45001 -  50000     4.7             3.5           2.1                    5.3
  $ 50001 -  75000    21.0            19.9          13.2                   25.2
  $ 75001 - 100000    13.1            17.4          14.1                   17.0
  $100001 - 250000    13.0            27.6          30.4                   18.1
  OVER $250,000        1.8            16.7          32.5                    2.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-141161          $188                   2.58
  $     1  -  5000                  $2,728           $27                   0.70
  $  5001 -  10000                  $7,519          $163                   1.29
  $ 10001 -  15000                 $12,513          $519                   1.64
  $ 15001 -  20000                 $17,519          $960                   1.89
  $ 20001 -  25000                 $22,497        $1,463                   2.15
  $ 25001 -  30000                 $27,434        $1,939                   2.39
  $ 30001 -  35000                 $32,497        $2,470                   2.61
  $ 35001 -  40000                 $37,479        $2,993                   2.90
  $ 40001 -  45000                 $42,526        $3,624                   3.12
  $ 45001 -  50000                 $47,600        $4,053                   3.36
  $ 50001 -  75000                 $61,811        $5,863                   3.63
  $ 75001 - 100000                 $86,263       $10,004                   3.93
  $100001 - 250000                $138,040       $21,666                   4.19
  OVER $250,000                   $609,929      $169,705                   4.14

                    ______________________________________________________________
  TOTAL                            $65,169        $9,308                   3.03
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SANTA CLARA UT
                        _________________________________________________
  UNDER $ 5,000         82         $13,440        $4,286     31.89           94
  $  5001 -  10000      85        $613,505       $14,675      2.39          116
  $ 10001 -  15000      90      $1,138,988       $37,813      3.32          168
  $ 15001 -  20000      69      $1,214,106       $57,839      4.76          154
  $ 20001 -  25000      84      $1,891,423       $92,960      4.91          227
  $ 25001 -  30000      74      $2,015,090      $120,249      5.97          213
  $ 30001 -  35000      64      $2,076,798      $132,935      6.40          213
  $ 35001 -  40000      61      $2,284,067      $146,594      6.42          208
  $ 40001 -  45000      52      $2,204,119      $140,998      6.40          215
  $ 45001 -  50000      73      $3,480,237      $247,910      7.12          299
  $ 50001 -  75000     254     $15,444,256    $1,278,241      8.28         1094
  $ 75001 - 100000      95      $8,048,646      $827,632     10.28          448
  $100001 - 250000      52      $6,799,721    $1,054,010     15.50          222
  OVER $250,000         12      $4,416,418    $1,003,111     22.71           58

                    ______________________________________________________________
  TOTAL               1147     $51,640,814    $5,159,253      9.99         3729
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        7.1             0.0           0.1                    2.5
  $  5001 -  10000     7.4             1.2           0.3                    3.1
  $ 10001 -  15000     7.8             2.2           0.7                    4.5
  $ 15001 -  20000     6.0             2.4           1.1                    4.1
  $ 20001 -  25000     7.3             3.7           1.8                    6.1
  $ 25001 -  30000     6.5             3.9           2.3                    5.7
  $ 30001 -  35000     5.6             4.0           2.6                    5.7
  $ 35001 -  40000     5.3             4.4           2.8                    5.6
  $ 40001 -  45000     4.5             4.3           2.7                    5.8
  $ 45001 -  50000     6.4             6.7           4.8                    8.0
  $ 50001 -  75000    22.1            29.9          24.8                   29.3
  $ 75001 - 100000     8.3            15.6          16.0                   12.0
  $100001 - 250000     4.5            13.2          20.4                    6.0
  OVER $250,000        1.0             8.6          19.4                    1.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                       $164           $52                   1.15
  $  5001 -  10000                  $7,218          $173                   1.36
  $ 10001 -  15000                 $12,655          $420                   1.87
  $ 15001 -  20000                 $17,596          $838                   2.23
  $ 20001 -  25000                 $22,517        $1,107                   2.70
  $ 25001 -  30000                 $27,231        $1,625                   2.88
  $ 30001 -  35000                 $32,450        $2,077                   3.33
  $ 35001 -  40000                 $37,444        $2,403                   3.41
  $ 40001 -  45000                 $42,387        $2,712                   4.13
  $ 45001 -  50000                 $47,674        $3,396                   4.10
  $ 50001 -  75000                 $60,804        $5,032                   4.31
  $ 75001 - 100000                 $84,723        $8,712                   4.72
  $100001 - 250000                $130,764       $20,269                   4.27
  OVER $250,000                   $368,035       $83,593                   4.83

                    ______________________________________________________________
  TOTAL                            $45,023        $4,498                   3.25
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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         65       $-390,439          $838     -0.21           88
  $  5001 -  10000      72        $551,987        $8,175      1.48          128
  $ 10001 -  15000      94      $1,174,585       $25,572      2.18          245
  $ 15001 -  20000      83      $1,442,664       $64,901      4.50          199
  $ 20001 -  25000      75      $1,704,918       $83,879      4.92          238
  $ 25001 -  30000      95      $2,605,968      $148,083      5.68          351
  $ 30001 -  35000      92      $2,990,755      $199,206      6.66          325
  $ 35001 -  40000      90      $3,399,893      $235,125      6.92          351
  $ 40001 -  45000      62      $2,627,626      $200,832      7.64          257
  $ 45001 -  50000      62      $2,926,651      $223,189      7.63          273
  $ 50001 -  75000     191     $11,351,290    $1,012,198      8.92          821
  $ 75001 - 100000      47      $3,965,144      $446,178     11.25          229
  OVER $100,000         12      $1,663,554      $251,039     15.09           68

                    ______________________________________________________________
  TOTAL               1040     $36,014,596    $2,899,215      8.05         3573
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        6.3            -1.1           0.0                    2.5
  $  5001 -  10000     6.9             1.5           0.3                    3.6
  $ 10001 -  15000     9.0             3.3           0.9                    6.9
  $ 15001 -  20000     8.0             4.0           2.2                    5.6
  $ 20001 -  25000     7.2             4.7           2.9                    6.7
  $ 25001 -  30000     9.1             7.2           5.1                    9.8
  $ 30001 -  35000     8.8             8.3           6.9                    9.1
  $ 35001 -  40000     8.7             9.4           8.1                    9.8
  $ 40001 -  45000     6.0             7.3           6.9                    7.2
  $ 45001 -  50000     6.0             8.1           7.7                    7.6
  $ 50001 -  75000    18.4            31.5          34.9                   23.0
  $ 75001 - 100000     4.5            11.0          15.4                    6.4
  OVER $100,000        1.2             4.6           8.7                    1.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                    $-6,007           $13                   1.35
  $  5001 -  10000                  $7,666          $114                   1.78
  $ 10001 -  15000                 $12,496          $272                   2.61
  $ 15001 -  20000                 $17,381          $782                   2.40
  $ 20001 -  25000                 $22,732        $1,118                   3.17
  $ 25001 -  30000                 $27,431        $1,559                   3.69
  $ 30001 -  35000                 $32,508        $2,165                   3.53
  $ 35001 -  40000                 $37,777        $2,613                   3.90
  $ 40001 -  45000                 $42,381        $3,239                   4.15
  $ 45001 -  50000                 $47,204        $3,600                   4.40
  $ 50001 -  75000                 $59,431        $5,299                   4.30
  $ 75001 - 100000                 $84,365        $9,493                   4.87
  OVER $100,000                   $138,630       $20,920                   5.67

                    ______________________________________________________________
  TOTAL                            $34,629        $2,788                   3.44
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              11       $-462,363        $2,029     -0.44           31
  $     1  -  5000      91        $265,867          $806      0.30           78
  $  5001 -  10000     106        $790,442       $12,292      1.56          155
  $ 10001 -  15000     136      $1,712,918       $45,805      2.67          279
  $ 15001 -  20000     143      $2,502,756       $95,614      3.82          363
  $ 20001 -  25000     179      $4,030,042      $226,970      5.63          457
  $ 25001 -  30000     158      $4,339,523      $263,101      6.06          490
  $ 30001 -  35000     164      $5,339,098      $363,172      6.80          537
  $ 35001 -  40000     147      $5,515,314      $385,173      6.98          527
  $ 40001 -  45000     144      $6,127,812      $455,999      7.44          589
  $ 45001 -  50000     136      $6,439,202      $507,915      7.89          548
  $ 50001 -  75000     425     $25,710,886    $2,293,684      8.92         1780
  $ 75001 - 100000     140     $11,917,229    $1,287,148     10.80          664
  OVER $100,000         83     $12,622,595    $2,204,647     17.47          376

                    ______________________________________________________________
  TOTAL               2063     $86,851,321    $8,144,355      9.38         6874
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.5           0.0                    0.5
  $     1  -  5000     4.4             0.3           0.0                    1.1
  $  5001 -  10000     5.1             0.9           0.2                    2.3
  $ 10001 -  15000     6.6             2.0           0.6                    4.1
  $ 15001 -  20000     6.9             2.9           1.2                    5.3
  $ 20001 -  25000     8.7             4.6           2.8                    6.6
  $ 25001 -  30000     7.7             5.0           3.2                    7.1
  $ 30001 -  35000     7.9             6.1           4.5                    7.8
  $ 35001 -  40000     7.1             6.4           4.7                    7.7
  $ 40001 -  45000     7.0             7.1           5.6                    8.6
  $ 45001 -  50000     6.6             7.4           6.2                    8.0
  $ 50001 -  75000    20.6            29.6          28.2                   25.9
  $ 75001 - 100000     6.8            13.7          15.8                    9.7
  OVER $100,000        4.0            14.5          27.1                    5.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-42,033          $184                   2.82
  $     1  -  5000                  $2,922            $9                   0.86
  $  5001 -  10000                  $7,457          $116                   1.46
  $ 10001 -  15000                 $12,595          $337                   2.05
  $ 15001 -  20000                 $17,502          $669                   2.54
  $ 20001 -  25000                 $22,514        $1,268                   2.55
  $ 25001 -  30000                 $27,465        $1,665                   3.10
  $ 30001 -  35000                 $32,555        $2,214                   3.27
  $ 35001 -  40000                 $37,519        $2,620                   3.59
  $ 40001 -  45000                 $42,554        $3,167                   4.09
  $ 45001 -  50000                 $47,347        $3,735                   4.03
  $ 50001 -  75000                 $60,496        $5,397                   4.19
  $ 75001 - 100000                 $85,123        $9,194                   4.74
  OVER $100,000                   $152,079       $26,562                   4.53

                    ______________________________________________________________
  TOTAL                            $42,100        $3,948                   3.33
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              28     $-1,959,900        $1,350     -0.07           96
  $     1  -  5000     340        $910,467        $5,458      0.60          188
  $  5001 -  10000     312      $2,312,024       $60,511      2.62          307
  $ 10001 -  15000     347      $4,328,021      $190,960      4.41          539
  $ 15001 -  20000     304      $5,322,275      $309,160      5.81          535
  $ 20001 -  25000     271      $6,101,927      $342,168      5.61          641
  $ 25001 -  30000     229      $6,281,083      $391,658      6.24          602
  $ 30001 -  35000     240      $7,810,545      $537,700      6.88          694
  $ 35001 -  40000     275     $10,299,403      $688,101      6.68          937
  $ 40001 -  45000     270     $11,509,201      $838,775      7.29          953
  $ 45001 -  50000     318     $15,102,119    $1,119,261      7.41         1259
  $ 50001 -  75000    1745    $108,880,513    $9,075,700      8.34         7468
  $ 75001 - 100000    1177    $101,348,848   $10,527,146     10.39         5258
  $100001 - 250000     849    $112,362,123   $16,102,912     14.33         4041
  OVER $250,000         68     $33,009,093    $8,199,042     24.84          326

                    ______________________________________________________________
  TOTAL               6773    $423,617,742   $48,389,902     11.42        23844
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.5           0.0                    0.4
  $     1  -  5000     5.0             0.2           0.0                    0.8
  $  5001 -  10000     4.6             0.5           0.1                    1.3
  $ 10001 -  15000     5.1             1.0           0.4                    2.3
  $ 15001 -  20000     4.5             1.3           0.6                    2.2
  $ 20001 -  25000     4.0             1.4           0.7                    2.7
  $ 25001 -  30000     3.4             1.5           0.8                    2.5
  $ 30001 -  35000     3.5             1.8           1.1                    2.9
  $ 35001 -  40000     4.1             2.4           1.4                    3.9
  $ 40001 -  45000     4.0             2.7           1.7                    4.0
  $ 45001 -  50000     4.7             3.6           2.3                    5.3
  $ 50001 -  75000    25.8            25.7          18.8                   31.3
  $ 75001 - 100000    17.4            23.9          21.8                   22.1
  $100001 - 250000    12.5            26.5          33.3                   16.9
  OVER $250,000        1.0             7.8          16.9                    1.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-69,996           $48                   3.43
  $     1  -  5000                  $2,678           $16                   0.55
  $  5001 -  10000                  $7,410          $194                   0.98
  $ 10001 -  15000                 $12,473          $550                   1.55
  $ 15001 -  20000                 $17,507        $1,017                   1.76
  $ 20001 -  25000                 $22,516        $1,263                   2.37
  $ 25001 -  30000                 $27,428        $1,710                   2.63
  $ 30001 -  35000                 $32,544        $2,240                   2.89
  $ 35001 -  40000                 $37,452        $2,502                   3.41
  $ 40001 -  45000                 $42,627        $3,107                   3.53
  $ 45001 -  50000                 $47,491        $3,520                   3.96
  $ 50001 -  75000                 $62,396        $5,201                   4.28
  $ 75001 - 100000                 $86,108        $8,944                   4.47
  $100001 - 250000                $132,346       $18,967                   4.76
  OVER $250,000                   $485,428      $120,574                   4.79

                    ______________________________________________________________
  TOTAL                            $62,545        $7,145                   3.52
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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         66        $155,295        $2,185      1.41           58
  $  5001 -  10000      70        $515,544        $9,290      1.80          100
  $ 10001 -  15000      80        $993,992       $37,560      3.78          132
  $ 15001 -  20000      93      $1,608,016       $78,051      4.85          201
  $ 20001 -  25000      99      $2,224,064      $142,065      6.39          230
  $ 25001 -  30000      74      $2,029,836      $159,184      7.84          166
  $ 30001 -  35000      87      $2,839,029      $228,128      8.04          224
  $ 35001 -  40000      68      $2,563,576      $235,690      9.19          172
  $ 40001 -  45000      67      $2,844,751      $239,370      8.41          217
  $ 45001 -  50000      55      $2,630,685      $259,255      9.86          151
  $ 50001 -  75000     247     $15,155,553    $1,531,243     10.10          805
  $ 75001 - 100000     137     $11,848,683    $1,470,013     12.41          485
  OVER $100,000        122     $19,189,948    $3,782,013     19.71          432

                    ______________________________________________________________
  TOTAL               1265     $64,598,972    $8,174,047     12.65         3373
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        5.2             0.2           0.0                    1.7
  $  5001 -  10000     5.5             0.8           0.1                    3.0
  $ 10001 -  15000     6.3             1.5           0.5                    3.9
  $ 15001 -  20000     7.4             2.5           1.0                    6.0
  $ 20001 -  25000     7.8             3.4           1.7                    6.8
  $ 25001 -  30000     5.8             3.1           1.9                    4.9
  $ 30001 -  35000     6.9             4.4           2.8                    6.6
  $ 35001 -  40000     5.4             4.0           2.9                    5.1
  $ 40001 -  45000     5.3             4.4           2.9                    6.4
  $ 45001 -  50000     4.3             4.1           3.2                    4.5
  $ 50001 -  75000    19.5            23.5          18.7                   23.9
  $ 75001 - 100000    10.8            18.3          18.0                   14.4
  OVER $100,000        9.6            29.7          46.3                   12.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,353           $33                   0.88
  $  5001 -  10000                  $7,365          $133                   1.43
  $ 10001 -  15000                 $12,425          $470                   1.65
  $ 15001 -  20000                 $17,290          $839                   2.16
  $ 20001 -  25000                 $22,465        $1,435                   2.32
  $ 25001 -  30000                 $27,430        $2,151                   2.24
  $ 30001 -  35000                 $32,633        $2,622                   2.57
  $ 35001 -  40000                 $37,700        $3,466                   2.53
  $ 40001 -  45000                 $42,459        $3,573                   3.24
  $ 45001 -  50000                 $47,831        $4,714                   2.75
  $ 50001 -  75000                 $61,359        $6,199                   3.26
  $ 75001 - 100000                 $86,487       $10,730                   3.54
  OVER $100,000                   $157,295       $31,000                   3.54

                    ______________________________________________________________
  TOTAL                            $51,066        $6,462                   2.67
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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         98        $297,090          $209      0.07          160
  $  5001 -  10000     179      $1,328,568       $10,284      0.77          325
  $ 10001 -  15000     237      $2,966,562       $95,438      3.22          502
  $ 15001 -  20000     216      $3,753,740      $195,608      5.21          499
  $ 20001 -  25000     177      $3,930,718      $266,140      6.77          408
  $ 25001 -  30000     143      $3,906,770      $310,182      7.94          330
  $ 30001 -  35000     109      $3,508,149      $305,916      8.72          253
  $ 35001 -  40000      74      $2,761,639      $256,570      9.29          192
  $ 40001 -  45000      38      $1,587,195      $150,931      9.51          108
  $ 45001 -  50000      42      $1,991,722      $198,504      9.97          127
  $ 50001 -  75000      59      $3,447,367      $346,652     10.06          216
  OVER $ 75,000         18      $1,832,900      $255,708     13.95           76

                    ______________________________________________________________
  TOTAL               1390     $31,312,420    $2,392,142      7.64         3196
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        7.1             0.9           0.0                    5.0
  $  5001 -  10000    12.9             4.2           0.4                   10.2
  $ 10001 -  15000    17.1             9.5           4.0                   15.7
  $ 15001 -  20000    15.5            12.0           8.2                   15.6
  $ 20001 -  25000    12.7            12.6          11.1                   12.8
  $ 25001 -  30000    10.3            12.5          13.0                   10.3
  $ 30001 -  35000     7.8            11.2          12.8                    7.9
  $ 35001 -  40000     5.3             8.8          10.7                    6.0
  $ 40001 -  45000     2.7             5.1           6.3                    3.4
  $ 45001 -  50000     3.0             6.4           8.3                    4.0
  $ 50001 -  75000     4.2            11.0          14.5                    6.8
  OVER $ 75,000        1.3             5.9          10.7                    2.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $3,032            $2                   1.63
  $  5001 -  10000                  $7,422           $57                   1.82
  $ 10001 -  15000                 $12,517          $403                   2.12
  $ 15001 -  20000                 $17,378          $906                   2.31
  $ 20001 -  25000                 $22,207        $1,504                   2.31
  $ 25001 -  30000                 $27,320        $2,169                   2.31
  $ 30001 -  35000                 $32,185        $2,807                   2.32
  $ 35001 -  40000                 $37,319        $3,467                   2.59
  $ 40001 -  45000                 $41,768        $3,972                   2.84
  $ 45001 -  50000                 $47,422        $4,726                   3.02
  $ 50001 -  75000                 $58,430        $5,875                   3.66
  OVER $ 75,000                   $101,828       $14,206                   4.22

                    ______________________________________________________________
  TOTAL                            $22,527        $1,721                   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 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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
                        _________________________________________________
  $     1  -  5000      25         $69,969          $406      0.58           17
  $  5001 -  10000      28        $228,693        $8,690      3.80           24
  $ 10001 -  15000      18        $230,486        $8,732      3.79           31
  $ 15001 -  20000      29        $514,490       $27,420      5.33           57
  $ 20001 -  25000      34        $764,232       $50,620      6.62           73
  $ 25001 -  30000      40      $1,100,626       $70,887      6.44          102
  $ 30001 -  35000      34      $1,107,830       $77,221      6.97           99
  $ 35001 -  40000      30      $1,131,841       $75,898      6.71           98
  $ 40001 -  45000      38      $1,627,599      $128,578      7.90          129
  $ 45001 -  50000      62      $2,941,351      $230,065      7.82          228
  $ 50001 -  75000     250     $15,542,683    $1,351,639      8.70         1050
  $ 75001 - 100000     132     $11,327,024    $1,255,968     11.09          593
  OVER $100,000         64      $8,783,760    $1,319,380     15.02          304

                    ______________________________________________________________
  TOTAL                784     $45,370,584    $4,605,504     10.15         2805
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  $     1  -  5000     3.2             0.2           0.0                    0.6
  $  5001 -  10000     3.6             0.5           0.2                    0.9
  $ 10001 -  15000     2.3             0.5           0.2                    1.1
  $ 15001 -  20000     3.7             1.1           0.6                    2.0
  $ 20001 -  25000     4.3             1.7           1.1                    2.6
  $ 25001 -  30000     5.1             2.4           1.5                    3.6
  $ 30001 -  35000     4.3             2.4           1.7                    3.5
  $ 35001 -  40000     3.8             2.5           1.6                    3.5
  $ 40001 -  45000     4.8             3.6           2.8                    4.6
  $ 45001 -  50000     7.9             6.5           5.0                    8.1
  $ 50001 -  75000    31.9            34.3          29.3                   37.4
  $ 75001 - 100000    16.8            25.0          27.3                   21.1
  OVER $100,000        8.2            19.4          28.6                   10.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  $     1  -  5000                  $2,799           $16                   0.68
  $  5001 -  10000                  $8,168          $310                   0.86
  $ 10001 -  15000                 $12,805          $485                   1.72
  $ 15001 -  20000                 $17,741          $946                   1.97
  $ 20001 -  25000                 $22,477        $1,489                   2.15
  $ 25001 -  30000                 $27,516        $1,772                   2.55
  $ 30001 -  35000                 $32,583        $2,271                   2.91
  $ 35001 -  40000                 $37,728        $2,530                   3.27
  $ 40001 -  45000                 $42,832        $3,384                   3.39
  $ 45001 -  50000                 $47,441        $3,711                   3.68
  $ 50001 -  75000                 $62,171        $5,407                   4.20
  $ 75001 - 100000                 $85,811        $9,515                   4.49
  OVER $100,000                   $137,246       $20,615                   4.75

                    ______________________________________________________________
  TOTAL                            $57,871        $5,874                   3.58
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              40     $-1,814,013        $3,752     -0.21          129
  $     1  -  5000     239        $670,597        $2,901      0.43          257
  $  5001 -  10000     297      $2,269,264       $34,812      1.53          516
  $ 10001 -  15000     398      $4,974,343      $131,563      2.64          845
  $ 15001 -  20000     403      $7,048,930      $310,517      4.41          986
  $ 20001 -  25000     435      $9,858,936      $540,051      5.48         1186
  $ 25001 -  30000     419     $11,466,389      $652,391      5.69         1335
  $ 30001 -  35000     403     $13,086,510      $940,302      7.19         1285
  $ 35001 -  40000     450     $16,809,019    $1,215,626      7.23         1605
  $ 40001 -  45000     458     $19,474,797    $1,469,033      7.54         1745
  $ 45001 -  50000     374     $17,812,495    $1,409,673      7.91         1441
  $ 50001 -  75000    1261     $76,187,164    $6,698,711      8.79         5276
  $ 75001 - 100000     401     $34,319,559    $3,722,689     10.85         1801
  $100001 - 250000     218     $28,787,611    $4,226,560     14.68         1084
  OVER $250,000         29     $20,674,963    $5,979,287     28.92          136

                    ______________________________________________________________
  TOTAL               5825    $261,626,564   $27,337,868     10.45        19627
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.7           0.0                    0.7
  $     1  -  5000     4.1             0.3           0.0                    1.3
  $  5001 -  10000     5.1             0.9           0.1                    2.6
  $ 10001 -  15000     6.8             1.9           0.5                    4.3
  $ 15001 -  20000     6.9             2.7           1.1                    5.0
  $ 20001 -  25000     7.5             3.8           2.0                    6.0
  $ 25001 -  30000     7.2             4.4           2.4                    6.8
  $ 30001 -  35000     6.9             5.0           3.4                    6.5
  $ 35001 -  40000     7.7             6.4           4.4                    8.2
  $ 40001 -  45000     7.9             7.4           5.4                    8.9
  $ 45001 -  50000     6.4             6.8           5.2                    7.3
  $ 50001 -  75000    21.6            29.1          24.5                   26.9
  $ 75001 - 100000     6.9            13.1          13.6                    9.2
  $100001 - 250000     3.7            11.0          15.5                    5.5
  OVER $250,000        0.5             7.9          21.9                    0.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-45,350           $94                   3.23
  $     1  -  5000                  $2,806           $12                   1.08
  $  5001 -  10000                  $7,641          $117                   1.74
  $ 10001 -  15000                 $12,498          $331                   2.12
  $ 15001 -  20000                 $17,491          $771                   2.45
  $ 20001 -  25000                 $22,664        $1,241                   2.73
  $ 25001 -  30000                 $27,366        $1,557                   3.19
  $ 30001 -  35000                 $32,473        $2,333                   3.19
  $ 35001 -  40000                 $37,353        $2,701                   3.57
  $ 40001 -  45000                 $42,521        $3,207                   3.81
  $ 45001 -  50000                 $47,627        $3,769                   3.85
  $ 50001 -  75000                 $60,418        $5,312                   4.18
  $ 75001 - 100000                 $85,585        $9,284                   4.49
  $100001 - 250000                $132,053       $19,388                   4.97
  OVER $250,000                   $712,930      $206,182                   4.69

                    ______________________________________________________________
  TOTAL                            $44,914        $4,693                   3.37
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              20       $-386,630        $1,640     -0.42           55
  $     1  -  5000     268        $781,025        $3,474      0.44          300
  $  5001 -  10000     375      $2,920,310       $48,453      1.66          611
  $ 10001 -  15000     390      $4,880,888      $152,972      3.13          784
  $ 15001 -  20000     406      $7,090,971      $314,318      4.43          942
  $ 20001 -  25000     403      $9,081,830      $526,385      5.80         1046
  $ 25001 -  30000     399     $10,931,150      $726,466      6.65         1122
  $ 30001 -  35000     396     $12,866,388      $913,754      7.10         1232
  $ 35001 -  40000     381     $14,258,886    $1,104,068      7.74         1280
  $ 40001 -  45000     355     $15,040,964    $1,184,204      7.87         1266
  $ 45001 -  50000     298     $14,148,230    $1,155,467      8.17         1134
  $ 50001 -  75000     937     $56,851,749    $5,157,320      9.07         3725
  $ 75001 - 100000     374     $31,925,136    $3,479,610     10.90         1678
  $100001 - 250000     215     $28,604,255    $4,214,432     14.73         1008
  OVER $250,000         27     $13,039,429    $3,430,805     26.31          134

                    ______________________________________________________________
  TOTAL               5244    $222,034,581   $22,413,368     10.09        16317
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.2           0.0                    0.3
  $     1  -  5000     5.1             0.4           0.0                    1.8
  $  5001 -  10000     7.2             1.3           0.2                    3.7
  $ 10001 -  15000     7.4             2.2           0.7                    4.8
  $ 15001 -  20000     7.7             3.2           1.4                    5.8
  $ 20001 -  25000     7.7             4.1           2.3                    6.4
  $ 25001 -  30000     7.6             4.9           3.2                    6.9
  $ 30001 -  35000     7.6             5.8           4.1                    7.6
  $ 35001 -  40000     7.3             6.4           4.9                    7.8
  $ 40001 -  45000     6.8             6.8           5.3                    7.8
  $ 45001 -  50000     5.7             6.4           5.2                    6.9
  $ 50001 -  75000    17.9            25.6          23.0                   22.8
  $ 75001 - 100000     7.1            14.4          15.5                   10.3
  $100001 - 250000     4.1            12.9          18.8                    6.2
  OVER $250,000        0.5             5.9          15.3                    0.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-19,332           $82                   2.75
  $     1  -  5000                  $2,914           $13                   1.12
  $  5001 -  10000                  $7,787          $129                   1.63
  $ 10001 -  15000                 $12,515          $392                   2.01
  $ 15001 -  20000                 $17,465          $774                   2.32
  $ 20001 -  25000                 $22,536        $1,306                   2.60
  $ 25001 -  30000                 $27,396        $1,821                   2.81
  $ 30001 -  35000                 $32,491        $2,307                   3.11
  $ 35001 -  40000                 $37,425        $2,898                   3.36
  $ 40001 -  45000                 $42,369        $3,336                   3.57
  $ 45001 -  50000                 $47,477        $3,877                   3.81
  $ 50001 -  75000                 $60,674        $5,504                   3.98
  $ 75001 - 100000                 $85,361        $9,304                   4.49
  $100001 - 250000                $133,043       $19,602                   4.69
  OVER $250,000                   $482,942      $127,067                   4.96

                    ______________________________________________________________
  TOTAL                            $42,341        $4,274                   3.11
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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             126     $-5,936,127        $7,303     -0.12          320
  $     1  -  5000     959      $2,677,554       $10,600      0.40         1148
  $  5001 -  10000    1363     $10,330,827      $162,709      1.57         2170
  $ 10001 -  15000    1482     $18,548,801      $589,965      3.18         2725
  $ 15001 -  20000    1449     $25,315,437    $1,105,897      4.37         3267
  $ 20001 -  25000    1207     $27,146,804    $1,538,021      5.67         2916
  $ 25001 -  30000    1048     $28,833,964    $1,883,701      6.53         2753
  $ 30001 -  35000     916     $29,727,088    $2,118,579      7.13         2614
  $ 35001 -  40000     795     $29,739,574    $2,292,768      7.71         2395
  $ 40001 -  45000     674     $28,592,726    $2,334,204      8.16         2156
  $ 45001 -  50000     597     $28,382,402    $2,481,232      8.74         1931
  $ 50001 -  75000    1993    $121,402,096   $11,574,789      9.53         6876
  $ 75001 - 100000     722     $61,225,482    $7,209,595     11.78         2635
  $100001 - 250000     554     $77,474,110   $12,651,673     16.33         2043
  OVER $250,000        116     $58,630,224   $14,375,264     24.52          481

                    ______________________________________________________________
  TOTAL              14001    $542,090,962   $60,336,300     11.13        36430
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.9            -1.1           0.0                    0.9
  $     1  -  5000     6.8             0.5           0.0                    3.2
  $  5001 -  10000     9.7             1.9           0.3                    6.0
  $ 10001 -  15000    10.6             3.4           1.0                    7.5
  $ 15001 -  20000    10.3             4.7           1.8                    9.0
  $ 20001 -  25000     8.6             5.0           2.5                    8.0
  $ 25001 -  30000     7.5             5.3           3.1                    7.6
  $ 30001 -  35000     6.5             5.5           3.5                    7.2
  $ 35001 -  40000     5.7             5.5           3.8                    6.6
  $ 40001 -  45000     4.8             5.3           3.9                    5.9
  $ 45001 -  50000     4.3             5.2           4.1                    5.3
  $ 50001 -  75000    14.2            22.4          19.2                   18.9
  $ 75001 - 100000     5.2            11.3          11.9                    7.2
  $100001 - 250000     4.0            14.3          21.0                    5.6
  OVER $250,000        0.8            10.8          23.8                    1.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-47,112           $58                   2.54
  $     1  -  5000                  $2,792           $11                   1.20
  $  5001 -  10000                  $7,579          $119                   1.59
  $ 10001 -  15000                 $12,516          $398                   1.84
  $ 15001 -  20000                 $17,471          $763                   2.25
  $ 20001 -  25000                 $22,491        $1,274                   2.42
  $ 25001 -  30000                 $27,513        $1,797                   2.63
  $ 30001 -  35000                 $32,453        $2,313                   2.85
  $ 35001 -  40000                 $37,408        $2,884                   3.01
  $ 40001 -  45000                 $42,422        $3,463                   3.20
  $ 45001 -  50000                 $47,542        $4,156                   3.23
  $ 50001 -  75000                 $60,914        $5,808                   3.45
  $ 75001 - 100000                 $84,800        $9,986                   3.65
  $100001 - 250000                $139,845       $22,837                   3.69
  OVER $250,000                   $505,433      $123,925                   4.15

                    ______________________________________________________________
  TOTAL                            $38,718        $4,309                   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 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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         80        $139,518          $306      0.22           87
  $  5001 -  10000     119        $877,739       $13,055      1.49          200
  $ 10001 -  15000     119      $1,511,652       $54,140      3.58          217
  $ 15001 -  20000     164      $2,859,419      $152,068      5.32          335
  $ 20001 -  25000     146      $3,320,363      $199,535      6.01          353
  $ 25001 -  30000     159      $4,359,685      $332,475      7.63          376
  $ 30001 -  35000     141      $4,599,620      $375,276      8.16          380
  $ 35001 -  40000     109      $4,093,864      $367,223      8.97          286
  $ 40001 -  45000     106      $4,487,703      $424,364      9.46          306
  $ 45001 -  50000     105      $4,979,853      $491,941      9.88          312
  $ 50001 -  75000     274     $16,459,185    $1,699,081     10.32          907
  $ 75001 - 100000      58      $4,885,632      $594,131     12.16          205
  OVER $100,000         27      $3,653,004      $541,199     14.82          143

                    ______________________________________________________________
  TOTAL               1607     $56,227,237    $5,244,794      9.33         4107
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        5.0             0.2           0.0                    2.1
  $  5001 -  10000     7.4             1.6           0.2                    4.9
  $ 10001 -  15000     7.4             2.7           1.0                    5.3
  $ 15001 -  20000    10.2             5.1           2.9                    8.2
  $ 20001 -  25000     9.1             5.9           3.8                    8.6
  $ 25001 -  30000     9.9             7.8           6.3                    9.2
  $ 30001 -  35000     8.8             8.2           7.2                    9.3
  $ 35001 -  40000     6.8             7.3           7.0                    7.0
  $ 40001 -  45000     6.6             8.0           8.1                    7.5
  $ 45001 -  50000     6.5             8.9           9.4                    7.6
  $ 50001 -  75000    17.1            29.3          32.4                   22.1
  $ 75001 - 100000     3.6             8.7          11.3                    5.0
  OVER $100,000        1.7             6.5          10.3                    3.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,744            $4                   1.09
  $  5001 -  10000                  $7,376          $110                   1.68
  $ 10001 -  15000                 $12,703          $455                   1.82
  $ 15001 -  20000                 $17,435          $927                   2.04
  $ 20001 -  25000                 $22,742        $1,367                   2.42
  $ 25001 -  30000                 $27,419        $2,091                   2.36
  $ 30001 -  35000                 $32,621        $2,662                   2.70
  $ 35001 -  40000                 $37,558        $3,369                   2.62
  $ 40001 -  45000                 $42,337        $4,003                   2.89
  $ 45001 -  50000                 $47,427        $4,685                   2.97
  $ 50001 -  75000                 $60,070        $6,201                   3.31
  $ 75001 - 100000                 $84,235       $10,244                   3.53
  OVER $100,000                   $135,296       $20,044                   5.30

                    ______________________________________________________________
  TOTAL                            $34,989        $3,264                   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 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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         81        $110,177        $1,119      1.02           54
  $  5001 -  10000      93        $671,290       $11,836      1.76          125
  $ 10001 -  15000      88      $1,124,305       $42,386      3.77          173
  $ 15001 -  20000      98      $1,717,455       $76,954      4.48          230
  $ 20001 -  25000     101      $2,266,297      $132,458      5.84          238
  $ 25001 -  30000     129      $3,559,091      $221,818      6.23          381
  $ 30001 -  35000     134      $4,371,757      $294,960      6.75          418
  $ 35001 -  40000     141      $5,279,998      $401,072      7.60          475
  $ 40001 -  45000     155      $6,590,745      $505,132      7.66          589
  $ 45001 -  50000     165      $7,803,497      $616,938      7.91          634
  $ 50001 -  75000     608     $37,423,530    $3,370,211      9.01         2468
  $ 75001 - 100000     236     $20,303,005    $2,212,033     10.90         1046
  OVER $100,000        135     $22,068,338    $4,338,600     19.66          562

                    ______________________________________________________________
  TOTAL               2164    $113,289,485   $12,225,517     10.79         7393
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        3.7             0.1           0.0                    0.7
  $  5001 -  10000     4.3             0.6           0.1                    1.7
  $ 10001 -  15000     4.1             1.0           0.3                    2.3
  $ 15001 -  20000     4.5             1.5           0.6                    3.1
  $ 20001 -  25000     4.7             2.0           1.1                    3.2
  $ 25001 -  30000     6.0             3.1           1.8                    5.2
  $ 30001 -  35000     6.2             3.9           2.4                    5.7
  $ 35001 -  40000     6.5             4.7           3.3                    6.4
  $ 40001 -  45000     7.2             5.8           4.1                    8.0
  $ 45001 -  50000     7.6             6.9           5.0                    8.6
  $ 50001 -  75000    28.1            33.0          27.6                   33.4
  $ 75001 - 100000    10.9            17.9          18.1                   14.1
  OVER $100,000        6.2            19.5          35.5                    7.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,360           $14                   0.67
  $  5001 -  10000                  $7,218          $127                   1.34
  $ 10001 -  15000                 $12,776          $482                   1.97
  $ 15001 -  20000                 $17,525          $785                   2.35
  $ 20001 -  25000                 $22,439        $1,311                   2.36
  $ 25001 -  30000                 $27,590        $1,720                   2.95
  $ 30001 -  35000                 $32,625        $2,201                   3.12
  $ 35001 -  40000                 $37,447        $2,844                   3.37
  $ 40001 -  45000                 $42,521        $3,259                   3.80
  $ 45001 -  50000                 $47,294        $3,739                   3.84
  $ 50001 -  75000                 $61,552        $5,543                   4.06
  $ 75001 - 100000                 $86,030        $9,373                   4.43
  OVER $100,000                   $163,469       $32,138                   4.16

                    ______________________________________________________________
  TOTAL                            $52,352        $5,649                   3.42
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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 $ 5,000        329        $839,315        $2,418      0.29          280
  $  5001 -  10000     364      $2,803,459       $59,466      2.12          496
  $ 10001 -  15000     461      $5,750,172      $249,286      4.34          746
  $ 15001 -  20000     475      $8,330,306      $497,618      5.97          869
  $ 20001 -  25000     450     $10,076,654      $709,669      7.04          946
  $ 25001 -  30000     425     $11,670,557      $889,316      7.62          992
  $ 30001 -  35000     395     $12,844,437    $1,005,585      7.83         1063
  $ 35001 -  40000     328     $12,304,789    $1,049,703      8.53          938
  $ 40001 -  45000     326     $13,839,385    $1,216,660      8.79         1013
  $ 45001 -  50000     273     $12,923,293    $1,116,651      8.64          948
  $ 50001 -  75000     821     $49,747,894    $4,743,524      9.54         3050
  $ 75001 - 100000     312     $26,710,441    $3,056,055     11.44         1318
  OVER $100,000        144     $19,505,999    $3,060,515     15.69          705

                    ______________________________________________________________
  TOTAL               5103    $187,346,701   $17,656,466      9.42        13364
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        6.4             0.4           0.0                    2.1
  $  5001 -  10000     7.1             1.5           0.3                    3.7
  $ 10001 -  15000     9.0             3.1           1.4                    5.6
  $ 15001 -  20000     9.3             4.4           2.8                    6.5
  $ 20001 -  25000     8.8             5.4           4.0                    7.1
  $ 25001 -  30000     8.3             6.2           5.0                    7.4
  $ 30001 -  35000     7.7             6.9           5.7                    8.0
  $ 35001 -  40000     6.4             6.6           5.9                    7.0
  $ 40001 -  45000     6.4             7.4           6.9                    7.6
  $ 45001 -  50000     5.3             6.9           6.3                    7.1
  $ 50001 -  75000    16.1            26.6          26.9                   22.8
  $ 75001 - 100000     6.1            14.3          17.3                    9.9
  OVER $100,000        2.8            10.4          17.3                    5.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,551            $7                   0.85
  $  5001 -  10000                  $7,702          $163                   1.36
  $ 10001 -  15000                 $12,473          $541                   1.62
  $ 15001 -  20000                 $17,537        $1,048                   1.83
  $ 20001 -  25000                 $22,393        $1,577                   2.10
  $ 25001 -  30000                 $27,460        $2,093                   2.33
  $ 30001 -  35000                 $32,518        $2,546                   2.69
  $ 35001 -  40000                 $37,515        $3,200                   2.86
  $ 40001 -  45000                 $42,452        $3,732                   3.11
  $ 45001 -  50000                 $47,338        $4,090                   3.47
  $ 50001 -  75000                 $60,594        $5,778                   3.71
  $ 75001 - 100000                 $85,610        $9,795                   4.22
  OVER $100,000                   $135,458       $21,254                   4.90

                    ______________________________________________________________
  TOTAL                            $36,713        $3,460                   2.62
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              24       $-417,855        $2,261     -0.54           46
  $     1  -  5000     279        $751,308        $3,511      0.47          302
  $  5001 -  10000     389      $2,944,519       $48,318      1.64          550
  $ 10001 -  15000     438      $5,532,679      $200,062      3.62          755
  $ 15001 -  20000     513      $9,010,009      $493,868      5.48          996
  $ 20001 -  25000     502     $11,248,423      $759,104      6.75         1110
  $ 25001 -  30000     491     $13,508,372    $1,031,364      7.63         1173
  $ 30001 -  35000     498     $16,190,196    $1,302,970      8.05         1341
  $ 35001 -  40000     509     $19,068,626    $1,656,918      8.69         1450
  $ 40001 -  45000     429     $18,184,208    $1,674,596      9.21         1340
  $ 45001 -  50000     346     $16,418,090    $1,589,429      9.68         1064
  $ 50001 -  75000    1241     $75,272,734    $7,877,823     10.47         4291
  $ 75001 - 100000     448     $38,129,530    $4,818,491     12.64         1696
  $100001 - 250000     215     $27,458,063    $4,205,115     15.31          903
  OVER $250,000         10      $3,322,132      $850,461     25.60           38

                    ______________________________________________________________
  TOTAL               6332    $256,621,034   $26,514,291     10.33        17055
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.4            -0.2           0.0                    0.3
  $     1  -  5000     4.4             0.3           0.0                    1.8
  $  5001 -  10000     6.1             1.1           0.2                    3.2
  $ 10001 -  15000     6.9             2.2           0.8                    4.4
  $ 15001 -  20000     8.1             3.5           1.9                    5.8
  $ 20001 -  25000     7.9             4.4           2.9                    6.5
  $ 25001 -  30000     7.8             5.3           3.9                    6.9
  $ 30001 -  35000     7.9             6.3           4.9                    7.9
  $ 35001 -  40000     8.0             7.4           6.2                    8.5
  $ 40001 -  45000     6.8             7.1           6.3                    7.9
  $ 45001 -  50000     5.5             6.4           6.0                    6.2
  $ 50001 -  75000    19.6            29.3          29.7                   25.2
  $ 75001 - 100000     7.1            14.9          18.2                    9.9
  $100001 - 250000     3.4            10.7          15.9                    5.3
  OVER $250,000        0.2             1.3           3.2                    0.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-17,411           $94                   1.92
  $     1  -  5000                  $2,693           $13                   1.08
  $  5001 -  10000                  $7,569          $124                   1.41
  $ 10001 -  15000                 $12,632          $457                   1.72
  $ 15001 -  20000                 $17,563          $963                   1.94
  $ 20001 -  25000                 $22,407        $1,512                   2.21
  $ 25001 -  30000                 $27,512        $2,101                   2.39
  $ 30001 -  35000                 $32,510        $2,616                   2.69
  $ 35001 -  40000                 $37,463        $3,255                   2.85
  $ 40001 -  45000                 $42,387        $3,903                   3.12
  $ 45001 -  50000                 $47,451        $4,594                   3.08
  $ 50001 -  75000                 $60,655        $6,348                   3.46
  $ 75001 - 100000                 $85,111       $10,756                   3.79
  $100001 - 250000                $127,712       $19,559                   4.20
  OVER $250,000                   $332,213       $85,046                   3.80

                    ______________________________________________________________
  TOTAL                            $40,528        $4,187                   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 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      TREMONTON UT
                        _________________________________________________
  UNDER $1              19     $-1,427,881        $1,882     -0.13           57
  $     1  -  5000     112        $298,494        $1,102      0.37          118
  $  5001 -  10000     126        $942,397       $14,041      1.49          205
  $ 10001 -  15000     157      $1,987,655       $61,262      3.08          314
  $ 15001 -  20000     182      $3,185,720      $136,525      4.29          437
  $ 20001 -  25000     154      $3,446,644      $186,250      5.40          418
  $ 25001 -  30000     176      $4,875,125      $310,212      6.36          553
  $ 30001 -  35000     155      $5,036,405      $358,715      7.12          519
  $ 35001 -  40000     175      $6,585,768      $528,901      8.03          577
  $ 40001 -  45000     152      $6,437,091      $497,239      7.72          621
  $ 45001 -  50000     129      $6,129,580      $521,792      8.51          497
  $ 50001 -  75000     506     $31,019,594    $2,964,420      9.56         2099
  $ 75001 - 100000     175     $15,032,386    $1,788,715     11.90          734
  OVER $100,000        107     $14,634,263    $2,385,848     16.30          444

                    ______________________________________________________________
  TOTAL               2325     $98,183,241    $9,756,904      9.94         7593
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.8            -1.5           0.0                    0.8
  $     1  -  5000     4.8             0.3           0.0                    1.6
  $  5001 -  10000     5.4             1.0           0.1                    2.7
  $ 10001 -  15000     6.8             2.0           0.6                    4.1
  $ 15001 -  20000     7.8             3.2           1.4                    5.8
  $ 20001 -  25000     6.6             3.5           1.9                    5.5
  $ 25001 -  30000     7.6             5.0           3.2                    7.3
  $ 30001 -  35000     6.7             5.1           3.7                    6.8
  $ 35001 -  40000     7.5             6.7           5.4                    7.6
  $ 40001 -  45000     6.5             6.6           5.1                    8.2
  $ 45001 -  50000     5.5             6.2           5.3                    6.5
  $ 50001 -  75000    21.8            31.6          30.4                   27.6
  $ 75001 - 100000     7.5            15.3          18.3                    9.7
  OVER $100,000        4.6            14.9          24.5                    5.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-75,152           $99                   3.00
  $     1  -  5000                  $2,665           $10                   1.05
  $  5001 -  10000                  $7,479          $111                   1.63
  $ 10001 -  15000                 $12,660          $390                   2.00
  $ 15001 -  20000                 $17,504          $750                   2.40
  $ 20001 -  25000                 $22,381        $1,209                   2.71
  $ 25001 -  30000                 $27,700        $1,763                   3.14
  $ 30001 -  35000                 $32,493        $2,314                   3.35
  $ 35001 -  40000                 $37,633        $3,022                   3.30
  $ 40001 -  45000                 $42,349        $3,271                   4.09
  $ 45001 -  50000                 $47,516        $4,045                   3.85
  $ 50001 -  75000                 $61,304        $5,859                   4.15
  $ 75001 - 100000                 $85,899       $10,221                   4.19
  OVER $100,000                   $136,769       $22,298                   4.15

                    ______________________________________________________________
  TOTAL                            $42,229        $4,197                   3.27
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              59     $-1,769,240        $9,452     -0.53          159
  $     1  -  5000     437      $1,248,850        $4,522      0.36          589
  $  5001 -  10000     467      $3,558,271       $47,217      1.33          821
  $ 10001 -  15000     485      $6,031,336      $179,231      2.97         1047
  $ 15001 -  20000     465      $8,153,658      $339,230      4.16         1177
  $ 20001 -  25000     411      $9,253,075      $524,950      5.67         1113
  $ 25001 -  30000     369     $10,131,834      $673,180      6.64         1099
  $ 30001 -  35000     375     $12,219,187      $915,272      7.49         1242
  $ 35001 -  40000     367     $13,722,446    $1,108,151      8.08         1287
  $ 40001 -  45000     303     $12,841,634    $1,109,582      8.64         1092
  $ 45001 -  50000     271     $12,857,738    $1,127,806      8.77         1070
  $ 50001 -  75000     876     $53,232,885    $5,413,664     10.17         3401
  $ 75001 - 100000     296     $24,975,522    $3,227,395     12.92         1169
  $100001 - 250000     147     $19,576,447    $3,488,534     17.82          554
  OVER $250,000         22      $8,331,900    $2,288,398     27.47           87

                    ______________________________________________________________
  TOTAL               5350    $194,365,543   $20,456,584     10.52        15907
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.1            -0.9           0.0                    1.0
  $     1  -  5000     8.2             0.6           0.0                    3.7
  $  5001 -  10000     8.7             1.8           0.2                    5.2
  $ 10001 -  15000     9.1             3.1           0.9                    6.6
  $ 15001 -  20000     8.7             4.2           1.7                    7.4
  $ 20001 -  25000     7.7             4.8           2.6                    7.0
  $ 25001 -  30000     6.9             5.2           3.3                    6.9
  $ 30001 -  35000     7.0             6.3           4.5                    7.8
  $ 35001 -  40000     6.9             7.1           5.4                    8.1
  $ 40001 -  45000     5.7             6.6           5.4                    6.9
  $ 45001 -  50000     5.1             6.6           5.5                    6.7
  $ 50001 -  75000    16.4            27.4          26.5                   21.4
  $ 75001 - 100000     5.5            12.8          15.8                    7.3
  $100001 - 250000     2.7            10.1          17.1                    3.5
  OVER $250,000        0.4             4.3          11.2                    0.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-29,987          $160                   2.69
  $     1  -  5000                  $2,858           $10                   1.35
  $  5001 -  10000                  $7,619          $101                   1.76
  $ 10001 -  15000                 $12,436          $370                   2.16
  $ 15001 -  20000                 $17,535          $730                   2.53
  $ 20001 -  25000                 $22,514        $1,277                   2.71
  $ 25001 -  30000                 $27,458        $1,824                   2.98
  $ 30001 -  35000                 $32,584        $2,441                   3.31
  $ 35001 -  40000                 $37,391        $3,019                   3.51
  $ 40001 -  45000                 $42,382        $3,662                   3.60
  $ 45001 -  50000                 $47,446        $4,162                   3.95
  $ 50001 -  75000                 $60,768        $6,180                   3.88
  $ 75001 - 100000                 $84,377       $10,903                   3.95
  $100001 - 250000                $133,173       $23,732                   3.77
  OVER $250,000                   $378,723      $104,018                   3.95

                    ______________________________________________________________
  TOTAL                            $36,330        $3,824                   2.97
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      WASHINGTON UT
                        _________________________________________________
  UNDER $1              17     $-1,757,085        $4,433     -0.25           59
  $     1  -  5000     126        $376,903          $771      0.20          146
  $  5001 -  10000     187      $1,403,497       $21,283      1.52          309
  $ 10001 -  15000     203      $2,545,960       $78,723      3.09          411
  $ 15001 -  20000     231      $4,025,567      $173,985      4.32          536
  $ 20001 -  25000     184      $4,113,362      $223,893      5.44          495
  $ 25001 -  30000     172      $4,725,086      $285,683      6.05          516
  $ 30001 -  35000     162      $5,264,829      $351,052      6.67          536
  $ 35001 -  40000     126      $4,697,534      $340,903      7.26          424
  $ 40001 -  45000      89      $3,783,096      $311,709      8.24          307
  $ 45001 -  50000      94      $4,468,632      $355,167      7.95          370
  $ 50001 -  75000     276     $16,649,090    $1,481,119      8.90         1106
  $ 75001 - 100000      67      $5,718,475      $651,464     11.39          281
  OVER $100,000         58      $8,671,815    $1,370,843     15.81          242

                    ______________________________________________________________
  TOTAL               1992     $64,686,761    $5,651,028      8.74         5738
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.9            -2.7           0.1                    1.0
  $     1  -  5000     6.3             0.6           0.0                    2.5
  $  5001 -  10000     9.4             2.2           0.4                    5.4
  $ 10001 -  15000    10.2             3.9           1.4                    7.2
  $ 15001 -  20000    11.6             6.2           3.1                    9.3
  $ 20001 -  25000     9.2             6.4           4.0                    8.6
  $ 25001 -  30000     8.6             7.3           5.1                    9.0
  $ 30001 -  35000     8.1             8.1           6.2                    9.3
  $ 35001 -  40000     6.3             7.3           6.0                    7.4
  $ 40001 -  45000     4.5             5.8           5.5                    5.4
  $ 45001 -  50000     4.7             6.9           6.3                    6.4
  $ 50001 -  75000    13.9            25.7          26.2                   19.3
  $ 75001 - 100000     3.4             8.8          11.5                    4.9
  OVER $100,000        2.9            13.4          24.3                    4.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-103358          $261                   3.47
  $     1  -  5000                  $2,991            $6                   1.16
  $  5001 -  10000                  $7,505          $114                   1.65
  $ 10001 -  15000                 $12,542          $388                   2.02
  $ 15001 -  20000                 $17,427          $753                   2.32
  $ 20001 -  25000                 $22,355        $1,217                   2.69
  $ 25001 -  30000                 $27,471        $1,661                   3.00
  $ 30001 -  35000                 $32,499        $2,167                   3.31
  $ 35001 -  40000                 $37,282        $2,706                   3.37
  $ 40001 -  45000                 $42,507        $3,502                   3.45
  $ 45001 -  50000                 $47,539        $3,778                   3.94
  $ 50001 -  75000                 $60,323        $5,366                   4.01
  $ 75001 - 100000                 $85,350        $9,723                   4.19
  OVER $100,000                   $149,514       $23,635                   4.17

                    ______________________________________________________________
  TOTAL                            $32,473        $2,837                   2.88
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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         50         $33,602          $422      1.26           75
  $  5001 -  10000      53        $400,826       $11,195      2.79           61
  $ 10001 -  15000      73        $912,757       $24,511      2.69          144
  $ 15001 -  20000      63      $1,093,390       $42,831      3.92          154
  $ 20001 -  25000      63      $1,404,969       $73,045      5.20          184
  $ 25001 -  30000      85      $2,323,192      $141,730      6.10          261
  $ 30001 -  35000      68      $2,218,195      $147,110      6.63          236
  $ 35001 -  40000      68      $2,559,995      $191,549      7.48          250
  $ 40001 -  45000      91      $3,881,329      $325,894      8.40          344
  $ 45001 -  50000      65      $3,080,839      $236,685      7.68          261
  $ 50001 -  75000     187     $11,326,905    $1,026,477      9.06          799
  $ 75001 - 100000      65      $5,516,842      $637,967     11.56          272
  OVER $100,000         33      $4,339,956      $647,782     14.93          160

                    ______________________________________________________________
  TOTAL                964     $39,092,797    $3,507,198      8.97         3201
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        5.2             0.1           0.0                    2.3
  $  5001 -  10000     5.5             1.0           0.3                    1.9
  $ 10001 -  15000     7.6             2.3           0.7                    4.5
  $ 15001 -  20000     6.5             2.8           1.2                    4.8
  $ 20001 -  25000     6.5             3.6           2.1                    5.7
  $ 25001 -  30000     8.8             5.9           4.0                    8.2
  $ 30001 -  35000     7.1             5.7           4.2                    7.4
  $ 35001 -  40000     7.1             6.5           5.5                    7.8
  $ 40001 -  45000     9.4             9.9           9.3                   10.7
  $ 45001 -  50000     6.7             7.9           6.7                    8.2
  $ 50001 -  75000    19.4            29.0          29.3                   25.0
  $ 75001 - 100000     6.7            14.1          18.2                    8.5
  OVER $100,000        3.4            11.1          18.5                    5.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                       $672            $8                   1.50
  $  5001 -  10000                  $7,563          $211                   1.15
  $ 10001 -  15000                 $12,504          $336                   1.97
  $ 15001 -  20000                 $17,355          $680                   2.44
  $ 20001 -  25000                 $22,301        $1,159                   2.92
  $ 25001 -  30000                 $27,332        $1,667                   3.07
  $ 30001 -  35000                 $32,621        $2,163                   3.47
  $ 35001 -  40000                 $37,647        $2,817                   3.68
  $ 40001 -  45000                 $42,652        $3,581                   3.78
  $ 45001 -  50000                 $47,398        $3,641                   4.02
  $ 50001 -  75000                 $60,572        $5,489                   4.27
  $ 75001 - 100000                 $84,874        $9,815                   4.18
  OVER $100,000                   $131,514       $19,630                   4.85

                    ______________________________________________________________
  TOTAL                            $40,553        $3,638                   3.32
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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         58        $145,569          $647      0.44           71
  $  5001 -  10000      92        $681,345        $6,403      0.94          181
  $ 10001 -  15000     129      $1,634,341       $51,389      3.14          286
  $ 15001 -  20000     114      $1,978,624       $92,685      4.68          291
  $ 20001 -  25000     107      $2,411,315      $153,971      6.39          282
  $ 25001 -  30000      69      $1,910,997      $134,037      7.01          216
  $ 30001 -  35000      60      $1,952,261      $145,450      7.45          218
  $ 35001 -  40000      47      $1,758,864      $159,227      9.05          150
  $ 40001 -  45000      33      $1,403,515      $118,354      8.43          131
  $ 45001 -  50000      25      $1,191,869      $111,943      9.39          106
  $ 50001 -  75000      61      $3,745,919      $417,833     11.15          247
  OVER $ 75,000         23      $2,571,762      $441,909     17.18           89

                    ______________________________________________________________
  TOTAL                818     $21,386,381    $1,833,848      8.57         2268
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        7.1             0.7           0.0                    3.1
  $  5001 -  10000    11.2             3.2           0.3                    8.0
  $ 10001 -  15000    15.8             7.6           2.8                   12.6
  $ 15001 -  20000    13.9             9.3           5.1                   12.8
  $ 20001 -  25000    13.1            11.3           8.4                   12.4
  $ 25001 -  30000     8.4             8.9           7.3                    9.5
  $ 30001 -  35000     7.3             9.1           7.9                    9.6
  $ 35001 -  40000     5.7             8.2           8.7                    6.6
  $ 40001 -  45000     4.0             6.6           6.5                    5.8
  $ 45001 -  50000     3.1             5.6           6.1                    4.7
  $ 50001 -  75000     7.5            17.5          22.8                   10.9
  OVER $ 75,000        2.8            12.0          24.1                    3.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $2,510           $11                   1.22
  $  5001 -  10000                  $7,406           $70                   1.97
  $ 10001 -  15000                 $12,669          $398                   2.22
  $ 15001 -  20000                 $17,356          $813                   2.55
  $ 20001 -  25000                 $22,536        $1,439                   2.64
  $ 25001 -  30000                 $27,696        $1,943                   3.13
  $ 30001 -  35000                 $32,538        $2,424                   3.63
  $ 35001 -  40000                 $37,423        $3,388                   3.19
  $ 40001 -  45000                 $42,531        $3,586                   3.97
  $ 45001 -  50000                 $47,675        $4,478                   4.24
  $ 50001 -  75000                 $61,409        $6,850                   4.05
  OVER $ 75,000                   $111,816       $19,213                   3.87

                    ______________________________________________________________
  TOTAL                            $26,145        $2,242                   2.77
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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         48        $-21,671        $5,474     -25.3           34
  $  5001 -  10000      60        $436,357       $10,316      2.36           64
  $ 10001 -  15000      53        $672,372       $26,214      3.90           93
  $ 15001 -  20000      58      $1,026,782       $58,864      5.73          107
  $ 20001 -  25000      60      $1,354,844       $83,708      6.18          151
  $ 25001 -  30000      64      $1,756,552      $102,967      5.86          201
  $ 30001 -  35000      61      $1,983,479      $131,502      6.63          182
  $ 35001 -  40000      72      $2,699,302      $192,927      7.15          241
  $ 40001 -  45000      72      $3,074,416      $255,929      8.32          236
  $ 45001 -  50000      76      $3,582,428      $271,760      7.59          308
  $ 50001 -  75000     317     $19,431,442    $1,727,218      8.89         1264
  $ 75001 - 100000     158     $13,483,806    $1,486,971     11.03          677
  OVER $100,000         69      $9,373,763    $1,545,436     16.49          335

                    ______________________________________________________________
  TOTAL               1168     $58,853,872    $5,899,286     10.02         3893
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        4.1            -0.0           0.1                    0.9
  $  5001 -  10000     5.1             0.7           0.2                    1.6
  $ 10001 -  15000     4.5             1.1           0.4                    2.4
  $ 15001 -  20000     5.0             1.7           1.0                    2.7
  $ 20001 -  25000     5.1             2.3           1.4                    3.9
  $ 25001 -  30000     5.5             3.0           1.7                    5.2
  $ 30001 -  35000     5.2             3.4           2.2                    4.7
  $ 35001 -  40000     6.2             4.6           3.3                    6.2
  $ 40001 -  45000     6.2             5.2           4.3                    6.1
  $ 45001 -  50000     6.5             6.1           4.6                    7.9
  $ 50001 -  75000    27.1            33.0          29.3                   32.5
  $ 75001 - 100000    13.5            22.9          25.2                   17.4
  OVER $100,000        5.9            15.9          26.2                    8.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                      $-451          $114                   0.71
  $  5001 -  10000                  $7,273          $172                   1.07
  $ 10001 -  15000                 $12,686          $495                   1.75
  $ 15001 -  20000                 $17,703        $1,015                   1.84
  $ 20001 -  25000                 $22,581        $1,395                   2.52
  $ 25001 -  30000                 $27,446        $1,609                   3.14
  $ 30001 -  35000                 $32,516        $2,156                   2.98
  $ 35001 -  40000                 $37,490        $2,680                   3.35
  $ 40001 -  45000                 $42,700        $3,555                   3.28
  $ 45001 -  50000                 $47,137        $3,576                   4.05
  $ 50001 -  75000                 $61,298        $5,449                   3.99
  $ 75001 - 100000                 $85,341        $9,411                   4.28
  OVER $100,000                   $135,852       $22,398                   4.86

                    ______________________________________________________________
  TOTAL                            $50,389        $5,051                   3.33
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              49     $-1,044,852        $9,556     -0.91          132
  $     1  -  5000     858      $2,365,451       $11,266      0.48          726
  $  5001 -  10000    1099      $8,276,617      $155,712      1.88         1666
  $ 10001 -  15000    1180     $14,902,375      $580,089      3.89         2176
  $ 15001 -  20000    1432     $25,027,817    $1,261,199      5.04         3151
  $ 20001 -  25000    1396     $31,344,826    $1,907,015      6.08         3445
  $ 25001 -  30000    1393     $38,375,233    $2,454,665      6.40         3990
  $ 30001 -  35000    1434     $46,589,237    $3,234,361      6.94         4382
  $ 35001 -  40000    1583     $59,404,141    $4,456,178      7.50         5144
  $ 40001 -  45000    1560     $66,278,394    $5,136,311      7.75         5438
  $ 45001 -  50000    1486     $70,426,899    $5,762,724      8.18         5441
  $ 50001 -  75000    5542    $337,008,114   $30,422,173      9.03        21764
  $ 75001 - 100000    1897    $161,568,566   $18,066,565     11.18         8142
  $100001 - 250000     805    $100,719,754   $14,889,303     14.78         3574
  OVER $250,000         31     $17,454,699    $4,764,812     27.30          229

                    ______________________________________________________________
  TOTAL              21745    $978,697,271   $93,111,929      9.51        69400
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.2            -0.1           0.0                    0.2
  $     1  -  5000     3.9             0.2           0.0                    1.0
  $  5001 -  10000     5.1             0.8           0.2                    2.4
  $ 10001 -  15000     5.4             1.5           0.6                    3.1
  $ 15001 -  20000     6.6             2.6           1.4                    4.5
  $ 20001 -  25000     6.4             3.2           2.0                    5.0
  $ 25001 -  30000     6.4             3.9           2.6                    5.7
  $ 30001 -  35000     6.6             4.8           3.5                    6.3
  $ 35001 -  40000     7.3             6.1           4.8                    7.4
  $ 40001 -  45000     7.2             6.8           5.5                    7.8
  $ 45001 -  50000     6.8             7.2           6.2                    7.8
  $ 50001 -  75000    25.5            34.4          32.7                   31.4
  $ 75001 - 100000     8.7            16.5          19.4                   11.7
  $100001 - 250000     3.7            10.3          16.0                    5.1
  OVER $250,000        0.1             1.8           5.1                    0.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-21,324          $195                   2.69
  $     1  -  5000                  $2,757           $13                   0.85
  $  5001 -  10000                  $7,531          $142                   1.52
  $ 10001 -  15000                 $12,629          $492                   1.84
  $ 15001 -  20000                 $17,478          $881                   2.20
  $ 20001 -  25000                 $22,453        $1,366                   2.47
  $ 25001 -  30000                 $27,549        $1,762                   2.86
  $ 30001 -  35000                 $32,489        $2,255                   3.06
  $ 35001 -  40000                 $37,526        $2,815                   3.25
  $ 40001 -  45000                 $42,486        $3,293                   3.49
  $ 45001 -  50000                 $47,394        $3,878                   3.66
  $ 50001 -  75000                 $60,810        $5,489                   3.93
  $ 75001 - 100000                 $85,171        $9,524                   4.29
  $100001 - 250000                $125,118       $18,496                   4.44
  OVER $250,000                   $563,055      $153,704                   7.39

                    ______________________________________________________________
  TOTAL                            $45,008        $4,282                   3.19
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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         67         $-7,204          $805     -11.2           56
  $  5001 -  10000      42        $311,291        $7,419      2.38           58
  $ 10001 -  15000      62        $791,563       $32,251      4.07           97
  $ 15001 -  20000      53        $933,780       $42,385      4.54          120
  $ 20001 -  25000      75      $1,705,150       $95,605      5.61          182
  $ 25001 -  30000      59      $1,637,150      $103,321      6.31          164
  $ 30001 -  35000      74      $2,397,732      $168,221      7.02          225
  $ 35001 -  40000      94      $3,538,263      $255,602      7.22          314
  $ 40001 -  45000     108      $4,575,535      $344,527      7.53          384
  $ 45001 -  50000      84      $4,003,482      $302,199      7.55          344
  $ 50001 -  75000     444     $26,759,444    $2,387,882      8.92         1837
  $ 75001 - 100000     182     $15,602,643    $1,786,034     11.45          757
  OVER $100,000         97     $17,692,692    $3,763,845     21.27          419

                    ______________________________________________________________
  TOTAL               1441     $79,941,521    $9,290,096     11.62         4957
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        4.6            -0.0           0.0                    1.1
  $  5001 -  10000     2.9             0.4           0.1                    1.2
  $ 10001 -  15000     4.3             1.0           0.3                    2.0
  $ 15001 -  20000     3.7             1.2           0.5                    2.4
  $ 20001 -  25000     5.2             2.1           1.0                    3.7
  $ 25001 -  30000     4.1             2.0           1.1                    3.3
  $ 30001 -  35000     5.1             3.0           1.8                    4.5
  $ 35001 -  40000     6.5             4.4           2.8                    6.3
  $ 40001 -  45000     7.5             5.7           3.7                    7.7
  $ 45001 -  50000     5.8             5.0           3.3                    6.9
  $ 50001 -  75000    30.8            33.5          25.7                   37.1
  $ 75001 - 100000    12.6            19.5          19.2                   15.3
  OVER $100,000        6.7            22.1          40.5                    8.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                      $-108           $12                   0.84
  $  5001 -  10000                  $7,412          $177                   1.38
  $ 10001 -  15000                 $12,767          $520                   1.56
  $ 15001 -  20000                 $17,618          $800                   2.26
  $ 20001 -  25000                 $22,735        $1,275                   2.43
  $ 25001 -  30000                 $27,748        $1,751                   2.78
  $ 30001 -  35000                 $32,402        $2,273                   3.04
  $ 35001 -  40000                 $37,641        $2,719                   3.34
  $ 40001 -  45000                 $42,366        $3,190                   3.56
  $ 45001 -  50000                 $47,661        $3,598                   4.10
  $ 50001 -  75000                 $60,269        $5,378                   4.14
  $ 75001 - 100000                 $85,729        $9,813                   4.16
  OVER $100,000                   $182,399       $38,803                   4.32

                    ______________________________________________________________
  TOTAL                            $55,476        $6,447                   3.44
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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              67     $-1,260,318        $5,452     -0.43          129
  $     1  -  5000    1565      $4,398,448       $11,097      0.25         1754
  $  5001 -  10000    2081     $15,708,127      $249,790      1.59         3464
  $ 10001 -  15000    2467     $31,082,866    $1,109,837      3.57         4832
  $ 15001 -  20000    2838     $49,844,257    $2,642,618      5.30         6144
  $ 20001 -  25000    2562     $57,588,951    $3,747,200      6.51         6100
  $ 25001 -  30000    2379     $65,333,054    $4,665,994      7.14         6212
  $ 30001 -  35000    2279     $74,130,906    $5,726,869      7.73         6610
  $ 35001 -  40000    2113     $79,248,970    $6,486,314      8.18         6502
  $ 40001 -  45000    1909     $80,985,041    $6,808,192      8.41         6420
  $ 45001 -  50000    1646     $78,117,665    $6,879,511      8.81         5741
  $ 50001 -  75000    4979    $300,232,124   $28,998,900      9.66        18628
  $ 75001 - 100000    1360    $115,150,169   $13,095,391     11.37         5850
  $100001 - 250000     536     $65,658,536    $9,488,686     14.45         2467
  OVER $250,000         19     $17,215,063    $4,847,927     28.16           64

                    ______________________________________________________________
  TOTAL              28800  $1,033,433,859   $94,763,778      9.17        80917
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.2            -0.1           0.0                    0.2
  $     1  -  5000     5.4             0.4           0.0                    2.2
  $  5001 -  10000     7.2             1.5           0.3                    4.3
  $ 10001 -  15000     8.6             3.0           1.2                    6.0
  $ 15001 -  20000     9.9             4.8           2.8                    7.6
  $ 20001 -  25000     8.9             5.6           4.0                    7.5
  $ 25001 -  30000     8.3             6.3           4.9                    7.7
  $ 30001 -  35000     7.9             7.2           6.0                    8.2
  $ 35001 -  40000     7.3             7.7           6.8                    8.0
  $ 40001 -  45000     6.6             7.8           7.2                    7.9
  $ 45001 -  50000     5.7             7.6           7.3                    7.1
  $ 50001 -  75000    17.3            29.1          30.6                   23.0
  $ 75001 - 100000     4.7            11.1          13.8                    7.2
  $100001 - 250000     1.9             6.4          10.0                    3.0
  OVER $250,000        0.1             1.7           5.1                    0.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-18,811           $81                   1.93
  $     1  -  5000                  $2,811            $7                   1.12
  $  5001 -  10000                  $7,548          $120                   1.66
  $ 10001 -  15000                 $12,599          $450                   1.96
  $ 15001 -  20000                 $17,563          $931                   2.16
  $ 20001 -  25000                 $22,478        $1,463                   2.38
  $ 25001 -  30000                 $27,462        $1,961                   2.61
  $ 30001 -  35000                 $32,528        $2,513                   2.90
  $ 35001 -  40000                 $37,505        $3,070                   3.08
  $ 40001 -  45000                 $42,423        $3,566                   3.36
  $ 45001 -  50000                 $47,459        $4,180                   3.49
  $ 50001 -  75000                 $60,300        $5,824                   3.74
  $ 75001 - 100000                 $84,669        $9,629                   4.30
  $100001 - 250000                $122,497       $17,703                   4.60
  OVER $250,000                   $906,056      $255,154                   3.37

                    ______________________________________________________________
  TOTAL                            $35,883        $3,290                   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 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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         45         $76,428          $484      0.63           52
  $  5001 -  10000      58        $445,144        $6,677      1.50          103
  $ 10001 -  15000      64        $811,663       $27,724      3.42          114
  $ 15001 -  20000      63      $1,091,290       $51,768      4.74          149
  $ 20001 -  25000      72      $1,628,271       $97,465      5.99          184
  $ 25001 -  30000      54      $1,474,665      $107,201      7.27          129
  $ 30001 -  35000      51      $1,662,672      $133,930      8.06          121
  $ 35001 -  40000      44      $1,661,736      $131,968      7.94          144
  $ 40001 -  45000      36      $1,530,065      $147,868      9.66          100
  $ 45001 -  50000      36      $1,712,970      $169,533      9.90          106
  $ 50001 -  75000     164     $10,028,377    $1,015,343     10.12          633
  $ 75001 - 100000      39      $3,258,295      $412,361     12.66          131
  OVER $100,000         26      $4,008,802      $723,598     18.05          107

                    ______________________________________________________________
  TOTAL                752     $29,390,378    $3,025,920     10.30         2073
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        6.0             0.3           0.0                    2.5
  $  5001 -  10000     7.7             1.5           0.2                    5.0
  $ 10001 -  15000     8.5             2.8           0.9                    5.5
  $ 15001 -  20000     8.4             3.7           1.7                    7.2
  $ 20001 -  25000     9.6             5.5           3.2                    8.9
  $ 25001 -  30000     7.2             5.0           3.5                    6.2
  $ 30001 -  35000     6.8             5.7           4.4                    5.8
  $ 35001 -  40000     5.9             5.7           4.4                    6.9
  $ 40001 -  45000     4.8             5.2           4.9                    4.8
  $ 45001 -  50000     4.8             5.8           5.6                    5.1
  $ 50001 -  75000    21.8            34.1          33.6                   30.5
  $ 75001 - 100000     5.2            11.1          13.6                    6.3
  OVER $100,000        3.5            13.6          23.9                    5.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,698           $11                   1.16
  $  5001 -  10000                  $7,675          $115                   1.78
  $ 10001 -  15000                 $12,682          $433                   1.78
  $ 15001 -  20000                 $17,322          $822                   2.37
  $ 20001 -  25000                 $22,615        $1,354                   2.56
  $ 25001 -  30000                 $27,309        $1,985                   2.39
  $ 30001 -  35000                 $32,601        $2,626                   2.37
  $ 35001 -  40000                 $37,767        $2,999                   3.27
  $ 40001 -  45000                 $42,502        $4,107                   2.78
  $ 45001 -  50000                 $47,583        $4,709                   2.94
  $ 50001 -  75000                 $61,149        $6,191                   3.86
  $ 75001 - 100000                 $83,546       $10,573                   3.36
  OVER $100,000                   $154,185       $27,831                   4.12

                    ______________________________________________________________
  TOTAL                            $39,083        $4,024                   2.76
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 HOUSEHOLD INCOME***************************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* 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         76        $146,655          $460      0.31           63
  $  5001 -  10000      81        $621,682       $12,106      1.95          114
  $ 10001 -  15000      83      $1,046,449       $28,859      2.76          165
  $ 15001 -  20000      83      $1,467,187       $73,230      4.99          189
  $ 20001 -  25000     114      $2,596,311      $160,109      6.17          272
  $ 25001 -  30000      90      $2,484,071      $155,301      6.25          288
  $ 30001 -  35000     114      $3,738,943      $272,840      7.30          325
  $ 35001 -  40000     101      $3,765,742      $301,712      8.01          321
  $ 40001 -  45000     117      $4,976,321      $427,006      8.58          379
  $ 45001 -  50000     107      $5,088,218      $438,498      8.62          361
  $ 50001 -  75000     391     $23,672,288    $2,195,740      9.28         1511
  $ 75001 - 100000     147     $12,483,402    $1,402,544     11.24          637
  OVER $100,000         68     $10,827,776    $1,961,531     18.12          315

                    ______________________________________________________________
  TOTAL               1572     $72,915,045    $7,429,936     10.19         4940
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000        4.8             0.2           0.0                    1.3
  $  5001 -  10000     5.2             0.9           0.2                    2.3
  $ 10001 -  15000     5.3             1.4           0.4                    3.3
  $ 15001 -  20000     5.3             2.0           1.0                    3.8
  $ 20001 -  25000     7.3             3.6           2.2                    5.5
  $ 25001 -  30000     5.7             3.4           2.1                    5.8
  $ 30001 -  35000     7.3             5.1           3.7                    6.6
  $ 35001 -  40000     6.4             5.2           4.1                    6.5
  $ 40001 -  45000     7.4             6.8           5.7                    7.7
  $ 45001 -  50000     6.8             7.0           5.9                    7.3
  $ 50001 -  75000    24.9            32.5          29.6                   30.6
  $ 75001 - 100000     9.4            17.1          18.9                   12.9
  OVER $100,000        4.3            14.8          26.4                    6.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                     $1,930            $6                   0.83
  $  5001 -  10000                  $7,675          $149                   1.41
  $ 10001 -  15000                 $12,608          $348                   1.99
  $ 15001 -  20000                 $17,677          $882                   2.28
  $ 20001 -  25000                 $22,775        $1,404                   2.39
  $ 25001 -  30000                 $27,601        $1,726                   3.20
  $ 30001 -  35000                 $32,798        $2,393                   2.85
  $ 35001 -  40000                 $37,285        $2,987                   3.18
  $ 40001 -  45000                 $42,533        $3,650                   3.24
  $ 45001 -  50000                 $47,553        $4,098                   3.37
  $ 50001 -  75000                 $60,543        $5,616                   3.86
  $ 75001 - 100000                 $84,921        $9,541                   4.33
  OVER $100,000                   $159,232       $28,846                   4.63

                    ______________________________________________________________
  TOTAL                            $46,384        $4,726                   3.14
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION