TABLE OF CONTENTS (TOC)
COUNTY

BEAVER         
BOX ELDER      
CACHE          
CARBON         
DAGGETT        
DAVIS          
DUCHESNE       
EMERY          
GARFIELD       
GRAND          
IRON           
JUAB           
KANE           
MILLARD        
MORGAN         
PIUTE          
RICH           
SALT LAKE      
SAN JUAN       
SANPETE        
SEVIER         
SUMMIT         
TOOELE         
UINTAH         
UTAH           
WASATCH        
WASHINGTON     
WAYNE          
WEBER          
PRIOR YEAR     
STATE OF UTAH  



****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      BEAVER
                        _________________________________________________
  UNDER $1              41     $-2,634,838             .       .            110
  $     1  -  5000     299        $815,585       $23,453      2.88          141
  $  5001 -  10000     279      $2,058,912       $47,239      2.29          358
  $ 10001 -  15000     245      $3,043,982       $94,531      3.11          473
  $ 15001 -  20000     232      $4,054,849      $188,972      4.66          535
  $ 20001 -  25000     171      $3,827,007      $215,576      5.63          470
  $ 25001 -  30000     153      $4,194,271      $246,981      5.89          547
  $ 30001 -  35000     125      $4,058,783      $282,866      6.97          421
  $ 35001 -  40000      97      $3,634,506      $271,805      7.48          344
  $ 40001 -  45000      80      $3,377,649      $286,288      8.48          287
  $ 45001 -  50000      62      $2,932,562      $263,279      8.98          241
  $ 50001 -  75000     221     $13,635,142    $1,408,674     10.33          797
  $ 75001 - 100000      56      $4,754,404      $622,774     13.10          222
  OVER $100,000         23      $3,743,453      $730,179     19.51           74

                    ______________________________________________________________
  TOTAL               2084     $51,496,267    $4,682,617      9.09         5020
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             2.0            -5.1            .                     2.2
  $     1  -  5000    14.3             1.6           0.5                    2.8
  $  5001 -  10000    13.4             4.0           1.0                    7.1
  $ 10001 -  15000    11.8             5.9           2.0                    9.4
  $ 15001 -  20000    11.1             7.9           4.0                   10.7
  $ 20001 -  25000     8.2             7.4           4.6                    9.4
  $ 25001 -  30000     7.3             8.1           5.3                   10.9
  $ 30001 -  35000     6.0             7.9           6.0                    8.4
  $ 35001 -  40000     4.7             7.1           5.8                    6.9
  $ 40001 -  45000     3.8             6.6           6.1                    5.7
  $ 45001 -  50000     3.0             5.7           5.6                    4.8
  $ 50001 -  75000    10.6            26.5          30.1                   15.9
  $ 75001 - 100000     2.7             9.2          13.3                    4.4
  OVER $100,000        1.1             7.3          15.6                    1.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-64,264             .                   2.68
  $     1  -  5000                  $2,728           $78                   0.47
  $  5001 -  10000                  $7,380          $169                   1.28
  $ 10001 -  15000                 $12,424          $386                   1.93
  $ 15001 -  20000                 $17,478          $815                   2.31
  $ 20001 -  25000                 $22,380        $1,261                   2.75
  $ 25001 -  30000                 $27,414        $1,614                   3.58
  $ 30001 -  35000                 $32,470        $2,263                   3.37
  $ 35001 -  40000                 $37,469        $2,802                   3.55
  $ 40001 -  45000                 $42,221        $3,579                   3.59
  $ 45001 -  50000                 $47,299        $4,246                   3.89
  $ 50001 -  75000                 $61,697        $6,374                   3.61
  $ 75001 - 100000                 $84,900       $11,121                   3.96
  OVER $100,000                   $162,759       $31,747                   3.22

                    ______________________________________________________________
  TOTAL                            $24,710        $2,247                   2.41
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      BOX ELDER
                        _________________________________________________
  UNDER $1             104     $-4,528,912        $1,729     -0.04          237
  $     1  -  5000    2238      $5,923,664       $56,684      0.96          837
  $  5001 -  10000    1647     $12,087,340      $382,597      3.17         1670
  $ 10001 -  15000    1412     $17,728,568      $782,232      4.41         2288
  $ 15001 -  20000    1389     $24,275,583    $1,328,683      5.47         2844
  $ 20001 -  25000    1246     $27,912,812    $1,886,649      6.76         2814
  $ 25001 -  30000    1020     $27,981,094    $2,070,996      7.40         2636
  $ 30001 -  35000     965     $31,393,782    $2,473,072      7.88         2820
  $ 35001 -  40000     952     $35,712,338    $2,998,671      8.40         3036
  $ 40001 -  45000     838     $35,597,802    $3,066,102      8.61         2998
  $ 45001 -  50000     750     $35,621,999    $3,238,902      9.09         2761
  $ 50001 -  75000    2610    $158,674,783   $16,258,121     10.25         9993
  $ 75001 - 100000     715     $60,666,513    $8,050,211     13.27         2680
  $100001 - 250000     319     $43,092,756    $7,632,260     17.71         1126
  OVER $250,000         31     $13,796,457    $3,566,507     25.85          106

                    ______________________________________________________________
  TOTAL              16236    $525,936,579   $53,793,416     10.23        38846
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.9           0.0                    0.6
  $     1  -  5000    13.8             1.1           0.1                    2.2
  $  5001 -  10000    10.1             2.3           0.7                    4.3
  $ 10001 -  15000     8.7             3.4           1.5                    5.9
  $ 15001 -  20000     8.6             4.6           2.5                    7.3
  $ 20001 -  25000     7.7             5.3           3.5                    7.2
  $ 25001 -  30000     6.3             5.3           3.8                    6.8
  $ 30001 -  35000     5.9             6.0           4.6                    7.3
  $ 35001 -  40000     5.9             6.8           5.6                    7.8
  $ 40001 -  45000     5.2             6.8           5.7                    7.7
  $ 45001 -  50000     4.6             6.8           6.0                    7.1
  $ 50001 -  75000    16.1            30.2          30.2                   25.7
  $ 75001 - 100000     4.4            11.5          15.0                    6.9
  $100001 - 250000     2.0             8.2          14.2                    2.9
  OVER $250,000        0.2             2.6           6.6                    0.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-43,547           $17                   2.28
  $     1  -  5000                  $2,647           $25                   0.37
  $  5001 -  10000                  $7,339          $232                   1.01
  $ 10001 -  15000                 $12,556          $554                   1.62
  $ 15001 -  20000                 $17,477          $957                   2.05
  $ 20001 -  25000                 $22,402        $1,514                   2.26
  $ 25001 -  30000                 $27,432        $2,030                   2.58
  $ 30001 -  35000                 $32,532        $2,563                   2.92
  $ 35001 -  40000                 $37,513        $3,150                   3.19
  $ 40001 -  45000                 $42,479        $3,659                   3.58
  $ 45001 -  50000                 $47,496        $4,319                   3.68
  $ 50001 -  75000                 $60,795        $6,229                   3.83
  $ 75001 - 100000                 $84,848       $11,259                   3.75
  $100001 - 250000                $135,087       $23,926                   3.53
  OVER $250,000                   $445,047      $115,049                   3.42

                    ______________________________________________________________
  TOTAL                            $32,393        $3,313                   2.39
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      CACHE
                        _________________________________________________
  UNDER $1             193     $-3,150,206        $2,751     -0.09          385
  $     1  -  5000    4819     $13,004,465      $127,170      0.98         2205
  $  5001 -  10000    4261     $31,454,277      $932,213      2.96         4143
  $ 10001 -  15000    3500     $43,630,424    $1,962,107      4.50         5652
  $ 15001 -  20000    3127     $54,690,654    $2,972,679      5.44         6445
  $ 20001 -  25000    2556     $57,305,217    $3,684,186      6.43         6163
  $ 25001 -  30000    2098     $57,463,976    $4,022,765      7.00         5788
  $ 30001 -  35000    1825     $59,191,255    $4,471,250      7.55         5511
  $ 35001 -  40000    1599     $59,891,366    $4,773,705      7.97         5286
  $ 40001 -  45000    1451     $61,624,718    $5,151,023      8.36         5226
  $ 45001 -  50000    1282     $60,894,046    $5,246,759      8.62         4770
  $ 50001 -  75000    3584    $215,858,142   $21,345,789      9.89        13511
  $ 75001 - 100000    1163     $98,833,795   $12,589,929     12.74         4333
  $100001 - 250000     891    $122,954,160   $20,982,101     17.06         3305
  OVER $250,000        125     $70,781,908   $17,563,470     24.81          467

                    ______________________________________________________________
  TOTAL              32474  $1,004,428,197  $105,827,897     10.54        73190
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.3           0.0                    0.5
  $     1  -  5000    14.8             1.3           0.1                    3.0
  $  5001 -  10000    13.1             3.1           0.9                    5.7
  $ 10001 -  15000    10.8             4.3           1.9                    7.7
  $ 15001 -  20000     9.6             5.4           2.8                    8.8
  $ 20001 -  25000     7.9             5.7           3.5                    8.4
  $ 25001 -  30000     6.5             5.7           3.8                    7.9
  $ 30001 -  35000     5.6             5.9           4.2                    7.5
  $ 35001 -  40000     4.9             6.0           4.5                    7.2
  $ 40001 -  45000     4.5             6.1           4.9                    7.1
  $ 45001 -  50000     3.9             6.1           5.0                    6.5
  $ 50001 -  75000    11.0            21.5          20.2                   18.5
  $ 75001 - 100000     3.6             9.8          11.9                    5.9
  $100001 - 250000     2.7            12.2          19.8                    4.5
  OVER $250,000        0.4             7.0          16.6                    0.6

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-16,322           $14                   1.99
  $     1  -  5000                  $2,699           $26                   0.46
  $  5001 -  10000                  $7,382          $219                   0.97
  $ 10001 -  15000                 $12,466          $561                   1.61
  $ 15001 -  20000                 $17,490          $951                   2.06
  $ 20001 -  25000                 $22,420        $1,441                   2.41
  $ 25001 -  30000                 $27,390        $1,917                   2.76
  $ 30001 -  35000                 $32,434        $2,450                   3.02
  $ 35001 -  40000                 $37,456        $2,985                   3.31
  $ 40001 -  45000                 $42,471        $3,550                   3.60
  $ 45001 -  50000                 $47,499        $4,093                   3.72
  $ 50001 -  75000                 $60,228        $5,956                   3.77
  $ 75001 - 100000                 $84,982       $10,825                   3.73
  $100001 - 250000                $137,996       $23,549                   3.71
  OVER $250,000                   $566,255      $140,508                   3.74

                    ______________________________________________________________
  TOTAL                            $30,930        $3,259                   2.25
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      CARBON
                        _________________________________________________
  UNDER $1              46       $-624,522           $35     -0.01           75
  $     1  -  5000    1325      $3,330,875       $22,423      0.67          888
  $  5001 -  10000    1052      $7,750,818      $170,997      2.21         1441
  $ 10001 -  15000     853     $10,602,989      $418,568      3.95         1494
  $ 15001 -  20000     652     $11,335,138      $618,949      5.46         1291
  $ 20001 -  25000     538     $12,037,700      $811,853      6.74         1219
  $ 25001 -  30000     453     $12,425,997      $947,698      7.63         1136
  $ 30001 -  35000     443     $14,384,512    $1,213,309      8.43         1177
  $ 35001 -  40000     370     $13,864,998    $1,263,061      9.11         1106
  $ 40001 -  45000     356     $15,134,088    $1,474,828      9.75         1086
  $ 45001 -  50000     351     $16,659,668    $1,655,448      9.94         1151
  $ 50001 -  75000    1195     $73,035,209    $8,219,223     11.25         4120
  $ 75001 - 100000     396     $33,284,937    $4,779,035     14.36         1371
  $100001 - 250000     179     $23,659,724    $4,388,334     18.55          627
  OVER $250,000         15      $5,477,366    $1,423,795     25.99           57

                    ______________________________________________________________
  TOTAL               8224    $252,359,497   $27,407,556     10.86        18239
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.2           0.0                    0.4
  $     1  -  5000    16.1             1.3           0.1                    4.9
  $  5001 -  10000    12.8             3.1           0.6                    7.9
  $ 10001 -  15000    10.4             4.2           1.5                    8.2
  $ 15001 -  20000     7.9             4.5           2.3                    7.1
  $ 20001 -  25000     6.5             4.8           3.0                    6.7
  $ 25001 -  30000     5.5             4.9           3.5                    6.2
  $ 30001 -  35000     5.4             5.7           4.4                    6.5
  $ 35001 -  40000     4.5             5.5           4.6                    6.1
  $ 40001 -  45000     4.3             6.0           5.4                    6.0
  $ 45001 -  50000     4.3             6.6           6.0                    6.3
  $ 50001 -  75000    14.5            28.9          30.0                   22.6
  $ 75001 - 100000     4.8            13.2          17.4                    7.5
  $100001 - 250000     2.2             9.4          16.0                    3.4
  OVER $250,000        0.2             2.2           5.2                    0.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-13,577            $1                   1.63
  $     1  -  5000                  $2,514           $17                   0.67
  $  5001 -  10000                  $7,368          $163                   1.37
  $ 10001 -  15000                 $12,430          $491                   1.75
  $ 15001 -  20000                 $17,385          $949                   1.98
  $ 20001 -  25000                 $22,375        $1,509                   2.27
  $ 25001 -  30000                 $27,430        $2,092                   2.51
  $ 30001 -  35000                 $32,471        $2,739                   2.66
  $ 35001 -  40000                 $37,473        $3,414                   2.99
  $ 40001 -  45000                 $42,511        $4,143                   3.05
  $ 45001 -  50000                 $47,463        $4,716                   3.28
  $ 50001 -  75000                 $61,117        $6,878                   3.45
  $ 75001 - 100000                 $84,053       $12,068                   3.46
  $100001 - 250000                $132,177       $24,516                   3.50
  OVER $250,000                   $365,158       $94,920                   3.80

                    ______________________________________________________________
  TOTAL                            $30,686        $3,333                   2.22
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      DAGGETT
                        _________________________________________________
  UNDER $ 5,000         40       $-171,114          $247     -0.14           37
  $  5001 -  10000      20        $161,367        $3,898      2.42           23
  $ 10001 -  15000      23        $269,621        $9,207      3.41           40
  $ 15001 -  20000      24        $416,817       $23,992      5.76           41
  $ 20001 -  25000      23        $507,931       $34,920      6.87           53
  $ 25001 -  30000      30        $808,768       $66,491      8.22           69
  $ 30001 -  35000      18        $575,649       $48,417      8.41           54
  $ 35001 -  40000      19        $704,595       $66,980      9.51           59
  $ 40001 -  45000      16        $687,499       $73,026     10.62           43
  $ 45001 -  50000       8        $379,397       $44,427     11.71           18
  $ 50001 -  75000      39      $2,319,184      $255,289     11.01          142
  $ 75001 - 250000      23      $2,375,328      $385,586     16.23           83

                    ______________________________________________________________
  TOTAL                283      $9,035,042    $1,012,480     11.21          662
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $ 5,000       14.1            -1.9           0.0                    5.6
  $  5001 -  10000     7.1             1.8           0.4                    3.5
  $ 10001 -  15000     8.1             3.0           0.9                    6.0
  $ 15001 -  20000     8.5             4.6           2.4                    6.2
  $ 20001 -  25000     8.1             5.6           3.4                    8.0
  $ 25001 -  30000    10.6             9.0           6.6                   10.4
  $ 30001 -  35000     6.4             6.4           4.8                    8.2
  $ 35001 -  40000     6.7             7.8           6.6                    8.9
  $ 40001 -  45000     5.7             7.6           7.2                    6.5
  $ 45001 -  50000     2.8             4.2           4.4                    2.7
  $ 50001 -  75000    13.8            25.7          25.2                   21.5
  $ 75001 - 250000     8.1            26.3          38.1                   12.5

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $ 5,000                    $-4,278            $6                   0.93
  $  5001 -  10000                  $8,068          $195                   1.15
  $ 10001 -  15000                 $11,723          $400                   1.74
  $ 15001 -  20000                 $17,367        $1,000                   1.71
  $ 20001 -  25000                 $22,084        $1,518                   2.30
  $ 25001 -  30000                 $26,959        $2,216                   2.30
  $ 30001 -  35000                 $31,981        $2,690                   3.00
  $ 35001 -  40000                 $37,084        $3,525                   3.11
  $ 40001 -  45000                 $42,969        $4,564                   2.69
  $ 45001 -  50000                 $47,425        $5,553                   2.25
  $ 50001 -  75000                 $59,466        $6,546                   3.64
  $ 75001 - 250000                $103,275       $16,765                   3.61

                    ______________________________________________________________
  TOTAL                            $31,926        $3,578                   2.34
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      DAVIS
                        _________________________________________________
  UNDER $1             313    $-10,222,923      $376,441     -3.68          599
  $     1  -  5000   12794     $32,972,164      $340,040      1.03         4164
  $  5001 -  10000    9009     $66,583,224    $2,370,840      3.56         7479
  $ 10001 -  15000    7793     $97,275,492    $5,407,427      5.56        10718
  $ 15001 -  20000    6865    $119,794,532    $7,389,018      6.17        12275
  $ 20001 -  25000    6090    $136,616,834    $9,630,201      7.05        12631
  $ 25001 -  30000    5275    $144,931,359   $10,947,424      7.55        12679
  $ 30001 -  35000    4943    $160,448,818   $12,836,091      8.00        13061
  $ 35001 -  40000    4553    $170,822,881   $14,336,083      8.39        13486
  $ 40001 -  45000    4383    $186,168,140   $16,217,377      8.71        13705
  $ 45001 -  50000    3953    $187,453,524   $16,629,514      8.87        13493
  $ 50001 -  75000   14241    $868,193,853   $84,450,272      9.73        52004
  $ 75001 - 100000    5618    $478,423,435   $58,848,947     12.30        21011
  $100001 - 250000    3730    $510,360,580   $84,975,499     16.65        14666
  OVER $250,000        560    $314,336,608   $80,840,111     25.72         2176

                    ______________________________________________________________
  TOTAL              90120  $3,464,158,521  $405,595,285     11.71       204147
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.3            -0.3           0.1                    0.3
  $     1  -  5000    14.2             1.0           0.1                    2.0
  $  5001 -  10000    10.0             1.9           0.6                    3.7
  $ 10001 -  15000     8.6             2.8           1.3                    5.3
  $ 15001 -  20000     7.6             3.5           1.8                    6.0
  $ 20001 -  25000     6.8             3.9           2.4                    6.2
  $ 25001 -  30000     5.9             4.2           2.7                    6.2
  $ 30001 -  35000     5.5             4.6           3.2                    6.4
  $ 35001 -  40000     5.1             4.9           3.5                    6.6
  $ 40001 -  45000     4.9             5.4           4.0                    6.7
  $ 45001 -  50000     4.4             5.4           4.1                    6.6
  $ 50001 -  75000    15.8            25.1          20.8                   25.5
  $ 75001 - 100000     6.2            13.8          14.5                   10.3
  $100001 - 250000     4.1            14.7          21.0                    7.2
  OVER $250,000        0.6             9.1          19.9                    1.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-32,661        $1,203                   1.91
  $     1  -  5000                  $2,577           $27                   0.33
  $  5001 -  10000                  $7,391          $263                   0.83
  $ 10001 -  15000                 $12,482          $694                   1.38
  $ 15001 -  20000                 $17,450        $1,076                   1.79
  $ 20001 -  25000                 $22,433        $1,581                   2.07
  $ 25001 -  30000                 $27,475        $2,075                   2.40
  $ 30001 -  35000                 $32,460        $2,597                   2.64
  $ 35001 -  40000                 $37,519        $3,149                   2.96
  $ 40001 -  45000                 $42,475        $3,700                   3.13
  $ 45001 -  50000                 $47,421        $4,207                   3.41
  $ 50001 -  75000                 $60,964        $5,930                   3.65
  $ 75001 - 100000                 $85,159       $10,475                   3.74
  $100001 - 250000                $136,826       $22,782                   3.93
  OVER $250,000                   $561,315      $144,357                   3.89

                    ______________________________________________________________
  TOTAL                            $38,439        $4,501                   2.27
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      DUCHESNE
                        _________________________________________________
  UNDER $1              91     $-2,328,384        $2,805     -0.12          197
  $     1  -  5000     840      $2,042,220       $11,249      0.55          655
  $  5001 -  10000     678      $5,059,648       $89,568      1.77         1122
  $ 10001 -  15000     547      $6,851,434      $206,367      3.01         1231
  $ 15001 -  20000     440      $7,703,637      $328,492      4.26         1174
  $ 20001 -  25000     421      $9,421,268      $482,185      5.12         1313
  $ 25001 -  30000     398     $10,944,656      $691,175      6.32         1297
  $ 30001 -  35000     341     $11,039,227      $845,100      7.66         1106
  $ 35001 -  40000     309     $11,563,168      $939,386      8.12         1101
  $ 40001 -  45000     259     $10,982,161      $925,813      8.43          943
  $ 45001 -  50000     165      $7,821,507      $719,330      9.20          603
  $ 50001 -  75000     466     $27,745,012    $2,801,136     10.10         1769
  $ 75001 - 100000     106      $8,909,268    $1,194,814     13.41          432
  OVER $100,000         70     $13,205,097    $2,626,981     19.89          266

                    ______________________________________________________________
  TOTAL               5131    $130,959,919   $11,864,401      9.06        13209
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.8            -1.8           0.0                    1.5
  $     1  -  5000    16.4             1.6           0.1                    5.0
  $  5001 -  10000    13.2             3.9           0.8                    8.5
  $ 10001 -  15000    10.7             5.2           1.7                    9.3
  $ 15001 -  20000     8.6             5.9           2.8                    8.9
  $ 20001 -  25000     8.2             7.2           4.1                    9.9
  $ 25001 -  30000     7.8             8.4           5.8                    9.8
  $ 30001 -  35000     6.6             8.4           7.1                    8.4
  $ 35001 -  40000     6.0             8.8           7.9                    8.3
  $ 40001 -  45000     5.0             8.4           7.8                    7.1
  $ 45001 -  50000     3.2             6.0           6.1                    4.6
  $ 50001 -  75000     9.1            21.2          23.6                   13.4
  $ 75001 - 100000     2.1             6.8          10.1                    3.3
  OVER $100,000        1.4            10.1          22.1                    2.0

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-25,587           $31                   2.16
  $     1  -  5000                  $2,431           $13                   0.78
  $  5001 -  10000                  $7,463          $132                   1.65
  $ 10001 -  15000                 $12,525          $377                   2.25
  $ 15001 -  20000                 $17,508          $747                   2.67
  $ 20001 -  25000                 $22,378        $1,145                   3.12
  $ 25001 -  30000                 $27,499        $1,737                   3.26
  $ 30001 -  35000                 $32,373        $2,478                   3.24
  $ 35001 -  40000                 $37,421        $3,040                   3.56
  $ 40001 -  45000                 $42,402        $3,575                   3.64
  $ 45001 -  50000                 $47,403        $4,360                   3.65
  $ 50001 -  75000                 $59,539        $6,011                   3.80
  $ 75001 - 100000                 $84,050       $11,272                   4.08
  OVER $100,000                   $188,644       $37,528                   3.80

                    ______________________________________________________________
  TOTAL                            $25,523        $2,312                   2.57
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      EMERY
                        _________________________________________________
  UNDER $1              45     $-1,356,737          $156     -0.01          101
  $     1  -  5000     580      $1,552,031       $10,875      0.70          345
  $  5001 -  10000     444      $3,246,021       $71,597      2.21          606
  $ 10001 -  15000     371      $4,505,093      $156,885      3.48          696
  $ 15001 -  20000     298      $5,177,729      $238,056      4.60          711
  $ 20001 -  25000     253      $5,700,973      $325,703      5.71          713
  $ 25001 -  30000     216      $5,925,732      $404,891      6.83          654
  $ 30001 -  35000     209      $6,787,099      $499,478      7.36          715
  $ 35001 -  40000     194      $7,285,856      $607,810      8.34          665
  $ 40001 -  45000     189      $8,020,255      $697,565      8.70          680
  $ 45001 -  50000     186      $8,817,081      $792,752      8.99          722
  $ 50001 -  75000     671     $41,148,386    $4,318,352     10.49         2665
  $ 75001 - 100000     163     $13,606,525    $1,846,335     13.57          635
  OVER $100,000         53      $7,050,033    $1,248,608     17.71          214

                    ______________________________________________________________
  TOTAL               3872    $117,466,077   $11,219,063      9.55        10122
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.2            -1.2           0.0                    1.0
  $     1  -  5000    15.0             1.3           0.1                    3.4
  $  5001 -  10000    11.5             2.8           0.6                    6.0
  $ 10001 -  15000     9.6             3.8           1.4                    6.9
  $ 15001 -  20000     7.7             4.4           2.1                    7.0
  $ 20001 -  25000     6.5             4.9           2.9                    7.0
  $ 25001 -  30000     5.6             5.0           3.6                    6.5
  $ 30001 -  35000     5.4             5.8           4.5                    7.1
  $ 35001 -  40000     5.0             6.2           5.4                    6.6
  $ 40001 -  45000     4.9             6.8           6.2                    6.7
  $ 45001 -  50000     4.8             7.5           7.1                    7.1
  $ 50001 -  75000    17.3            35.0          38.5                   26.3
  $ 75001 - 100000     4.2            11.6          16.5                    6.3
  OVER $100,000        1.4             6.0          11.1                    2.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-30,150            $3                   2.24
  $     1  -  5000                  $2,676           $19                   0.59
  $  5001 -  10000                  $7,311          $161                   1.36
  $ 10001 -  15000                 $12,143          $423                   1.88
  $ 15001 -  20000                 $17,375          $799                   2.39
  $ 20001 -  25000                 $22,533        $1,287                   2.82
  $ 25001 -  30000                 $27,434        $1,874                   3.03
  $ 30001 -  35000                 $32,474        $2,390                   3.42
  $ 35001 -  40000                 $37,556        $3,133                   3.43
  $ 40001 -  45000                 $42,435        $3,691                   3.60
  $ 45001 -  50000                 $47,404        $4,262                   3.88
  $ 50001 -  75000                 $61,324        $6,436                   3.97
  $ 75001 - 100000                 $83,476       $11,327                   3.90
  OVER $100,000                   $133,019       $23,559                   4.04

                    ______________________________________________________________
  TOTAL                            $30,337        $2,897                   2.61
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      GARFIELD
                        _________________________________________________
  UNDER $1              30     $-2,017,529        $1,711     -0.08           76
  $     1  -  5000     320        $843,558        $3,596      0.43          116
  $  5001 -  10000     279      $2,085,321       $49,680      2.38          366
  $ 10001 -  15000     225      $2,813,000       $90,727      3.23          463
  $ 15001 -  20000     183      $3,201,196      $150,792      4.71          416
  $ 20001 -  25000     133      $2,986,985      $176,803      5.92          347
  $ 25001 -  30000     126      $3,448,605      $220,755      6.40          392
  $ 30001 -  35000      89      $2,899,503      $226,036      7.80          261
  $ 35001 -  40000      80      $3,000,992      $241,116      8.03          283
  $ 40001 -  45000      78      $3,316,164      $303,579      9.15          261
  $ 45001 -  50000      60      $2,845,921      $244,251      8.58          237
  $ 50001 -  75000     152      $9,068,724      $909,552     10.03          588
  $ 75001 - 100000      35      $2,974,284      $416,106     13.99          120
  OVER $100,000         26      $3,976,183      $805,465     20.26           84

                    ______________________________________________________________
  TOTAL               1816     $41,442,907    $3,840,169      9.27         4010
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.7            -4.9           0.0                    1.9
  $     1  -  5000    17.6             2.0           0.1                    2.9
  $  5001 -  10000    15.4             5.0           1.3                    9.1
  $ 10001 -  15000    12.4             6.8           2.4                   11.5
  $ 15001 -  20000    10.1             7.7           3.9                   10.4
  $ 20001 -  25000     7.3             7.2           4.6                    8.7
  $ 25001 -  30000     6.9             8.3           5.7                    9.8
  $ 30001 -  35000     4.9             7.0           5.9                    6.5
  $ 35001 -  40000     4.4             7.2           6.3                    7.1
  $ 40001 -  45000     4.3             8.0           7.9                    6.5
  $ 45001 -  50000     3.3             6.9           6.4                    5.9
  $ 50001 -  75000     8.4            21.9          23.7                   14.7
  $ 75001 - 100000     1.9             7.2          10.8                    3.0
  OVER $100,000        1.4             9.6          21.0                    2.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-67,251           $57                   2.53
  $     1  -  5000                  $2,636           $11                   0.36
  $  5001 -  10000                  $7,474          $178                   1.31
  $ 10001 -  15000                 $12,502          $403                   2.06
  $ 15001 -  20000                 $17,493          $824                   2.27
  $ 20001 -  25000                 $22,459        $1,329                   2.61
  $ 25001 -  30000                 $27,370        $1,752                   3.11
  $ 30001 -  35000                 $32,579        $2,540                   2.93
  $ 35001 -  40000                 $37,512        $3,014                   3.54
  $ 40001 -  45000                 $42,515        $3,892                   3.35
  $ 45001 -  50000                 $47,432        $4,071                   3.95
  $ 50001 -  75000                 $59,663        $5,984                   3.87
  $ 75001 - 100000                 $84,980       $11,889                   3.43
  OVER $100,000                   $152,930       $30,979                   3.23

                    ______________________________________________________________
  TOTAL                            $22,821        $2,115                   2.21
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      GRAND
                        _________________________________________________
  UNDER $1              39       $-772,322          $262     -0.03           71
  $     1  -  5000     501      $1,393,149        $7,170      0.51          388
  $  5001 -  10000     541      $4,039,847       $80,489      1.99          731
  $ 10001 -  15000     468      $5,785,716      $241,972      4.18          795
  $ 15001 -  20000     390      $6,815,392      $434,853      6.38          692
  $ 20001 -  25000     245      $5,491,644      $389,915      7.10          507
  $ 25001 -  30000     207      $5,676,917      $451,367      7.95          492
  $ 30001 -  35000     174      $5,647,760      $503,285      8.91          420
  $ 35001 -  40000     139      $5,196,163      $477,373      9.19          374
  $ 40001 -  45000     124      $5,252,053      $533,962     10.17          328
  $ 45001 -  50000     111      $5,307,416      $524,909      9.89          337
  $ 50001 -  75000     277     $16,723,247    $1,951,024     11.67          814
  $ 75001 - 100000      65      $5,530,824      $812,627     14.69          187
  OVER $100,000         69     $14,786,666    $3,569,667     24.14          200

                    ______________________________________________________________
  TOTAL               3350     $86,874,472    $9,978,875     11.49         6336
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.2            -0.9           0.0                    1.1
  $     1  -  5000    15.0             1.6           0.1                    6.1
  $  5001 -  10000    16.1             4.7           0.8                   11.5
  $ 10001 -  15000    14.0             6.7           2.4                   12.5
  $ 15001 -  20000    11.6             7.8           4.4                   10.9
  $ 20001 -  25000     7.3             6.3           3.9                    8.0
  $ 25001 -  30000     6.2             6.5           4.5                    7.8
  $ 30001 -  35000     5.2             6.5           5.0                    6.6
  $ 35001 -  40000     4.1             6.0           4.8                    5.9
  $ 40001 -  45000     3.7             6.0           5.4                    5.2
  $ 45001 -  50000     3.3             6.1           5.3                    5.3
  $ 50001 -  75000     8.3            19.2          19.6                   12.8
  $ 75001 - 100000     1.9             6.4           8.1                    3.0
  OVER $100,000        2.1            17.0          35.8                    3.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-19,803            $7                   1.82
  $     1  -  5000                  $2,781           $14                   0.77
  $  5001 -  10000                  $7,467          $149                   1.35
  $ 10001 -  15000                 $12,363          $517                   1.70
  $ 15001 -  20000                 $17,475        $1,115                   1.77
  $ 20001 -  25000                 $22,415        $1,591                   2.07
  $ 25001 -  30000                 $27,425        $2,181                   2.38
  $ 30001 -  35000                 $32,458        $2,892                   2.41
  $ 35001 -  40000                 $37,382        $3,434                   2.69
  $ 40001 -  45000                 $42,355        $4,306                   2.65
  $ 45001 -  50000                 $47,815        $4,729                   3.04
  $ 50001 -  75000                 $60,373        $7,043                   2.94
  $ 75001 - 100000                 $85,090       $12,502                   2.88
  OVER $100,000                   $214,300       $51,734                   2.90

                    ______________________________________________________________
  TOTAL                            $25,933        $2,979                   1.89
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      IRON
                        _________________________________________________
  UNDER $1              73     $-1,753,632        $3,378     -0.19          189
  $     1  -  5000    1742      $4,679,346       $66,439      1.42         1040
  $  5001 -  10000    1565     $11,596,042      $278,212      2.40         2158
  $ 10001 -  15000    1392     $17,378,938      $607,501      3.50         2734
  $ 15001 -  20000    1109     $19,239,271      $916,528      4.76         2471
  $ 20001 -  25000     885     $19,836,571    $1,185,516      5.98         2262
  $ 25001 -  30000     706     $19,416,050    $1,326,195      6.83         1969
  $ 30001 -  35000     595     $19,308,540    $1,498,410      7.76         1847
  $ 35001 -  40000     558     $20,935,136    $1,647,396      7.87         1865
  $ 40001 -  45000     464     $19,665,352    $1,685,815      8.57         1576
  $ 45001 -  50000     367     $17,419,019    $1,553,717      8.92         1243
  $ 50001 -  75000    1131     $68,249,976    $6,928,571     10.15         3953
  $ 75001 - 100000     323     $27,206,960    $3,487,977     12.82         1124
  $100001 - 250000     186     $25,217,895    $4,396,791     17.44          650
  OVER $250,000         21      $8,367,505    $2,302,707     27.52           78

                    ______________________________________________________________
  TOTAL              11117    $296,762,969   $27,885,153      9.40        25159
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.6           0.0                    0.8
  $     1  -  5000    15.7             1.6           0.2                    4.1
  $  5001 -  10000    14.1             3.9           1.0                    8.6
  $ 10001 -  15000    12.5             5.9           2.2                   10.9
  $ 15001 -  20000    10.0             6.5           3.3                    9.8
  $ 20001 -  25000     8.0             6.7           4.3                    9.0
  $ 25001 -  30000     6.4             6.5           4.8                    7.8
  $ 30001 -  35000     5.4             6.5           5.4                    7.3
  $ 35001 -  40000     5.0             7.1           5.9                    7.4
  $ 40001 -  45000     4.2             6.6           6.0                    6.3
  $ 45001 -  50000     3.3             5.9           5.6                    4.9
  $ 50001 -  75000    10.2            23.0          24.8                   15.7
  $ 75001 - 100000     2.9             9.2          12.5                    4.5
  $100001 - 250000     1.7             8.5          15.8                    2.6
  OVER $250,000        0.2             2.8           8.3                    0.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-24,022           $46                   2.59
  $     1  -  5000                  $2,686           $38                   0.60
  $  5001 -  10000                  $7,410          $178                   1.38
  $ 10001 -  15000                 $12,485          $436                   1.96
  $ 15001 -  20000                 $17,348          $826                   2.23
  $ 20001 -  25000                 $22,414        $1,340                   2.56
  $ 25001 -  30000                 $27,501        $1,878                   2.79
  $ 30001 -  35000                 $32,451        $2,518                   3.10
  $ 35001 -  40000                 $37,518        $2,952                   3.34
  $ 40001 -  45000                 $42,382        $3,633                   3.40
  $ 45001 -  50000                 $47,463        $4,234                   3.39
  $ 50001 -  75000                 $60,345        $6,126                   3.50
  $ 75001 - 100000                 $84,232       $10,799                   3.48
  $100001 - 250000                $135,580       $23,639                   3.49
  OVER $250,000                   $398,453      $109,653                   3.71

                    ______________________________________________________________
  TOTAL                            $26,695        $2,508                   2.26
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      JUAB
                        _________________________________________________
  UNDER $1              28       $-454,753          $402     -0.09           53
  $     1  -  5000     482      $1,328,877        $9,167      0.69          255
  $  5001 -  10000     334      $2,426,101       $72,346      2.98          355
  $ 10001 -  15000     248      $3,060,486      $104,234      3.41          453
  $ 15001 -  20000     237      $4,129,355      $200,446      4.85          555
  $ 20001 -  25000     216      $4,839,736      $287,192      5.93          572
  $ 25001 -  30000     199      $5,478,405      $360,329      6.58          623
  $ 30001 -  35000     168      $5,477,900      $408,327      7.45          527
  $ 35001 -  40000     171      $6,394,251      $493,892      7.72          631
  $ 40001 -  45000     157      $6,659,647      $554,364      8.32          568
  $ 45001 -  50000     142      $6,720,333      $598,783      8.91          566
  $ 50001 -  75000     331     $19,495,986    $1,885,165      9.67         1283
  $ 75001 - 100000      66      $5,580,480      $722,763     12.95          263
  OVER $100,000         27      $4,244,924      $770,737     18.16          117

                    ______________________________________________________________
  TOTAL               2806     $75,381,728    $6,468,147      8.58         6821
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.0            -0.6           0.0                    0.8
  $     1  -  5000    17.2             1.8           0.1                    3.7
  $  5001 -  10000    11.9             3.2           1.1                    5.2
  $ 10001 -  15000     8.8             4.1           1.6                    6.6
  $ 15001 -  20000     8.4             5.5           3.1                    8.1
  $ 20001 -  25000     7.7             6.4           4.4                    8.4
  $ 25001 -  30000     7.1             7.3           5.6                    9.1
  $ 30001 -  35000     6.0             7.3           6.3                    7.7
  $ 35001 -  40000     6.1             8.5           7.6                    9.3
  $ 40001 -  45000     5.6             8.8           8.6                    8.3
  $ 45001 -  50000     5.1             8.9           9.3                    8.3
  $ 50001 -  75000    11.8            25.9          29.1                   18.8
  $ 75001 - 100000     2.4             7.4          11.2                    3.9
  OVER $100,000        1.0             5.6          11.9                    1.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-16,241           $14                   1.89
  $     1  -  5000                  $2,757           $19                   0.53
  $  5001 -  10000                  $7,264          $217                   1.06
  $ 10001 -  15000                 $12,341          $420                   1.83
  $ 15001 -  20000                 $17,423          $846                   2.34
  $ 20001 -  25000                 $22,406        $1,330                   2.65
  $ 25001 -  30000                 $27,530        $1,811                   3.13
  $ 30001 -  35000                 $32,607        $2,431                   3.14
  $ 35001 -  40000                 $37,393        $2,888                   3.69
  $ 40001 -  45000                 $42,418        $3,531                   3.62
  $ 45001 -  50000                 $47,326        $4,217                   3.99
  $ 50001 -  75000                 $58,900        $5,695                   3.88
  $ 75001 - 100000                 $84,553       $10,951                   3.98
  OVER $100,000                   $157,219       $28,546                   4.33

                    ______________________________________________________________
  TOTAL                            $26,864        $2,305                   2.43
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      KANE
                        _________________________________________________
  UNDER $1              44       $-915,003        $7,144     -0.78           79
  $     1  -  5000     456      $1,220,240        $5,278      0.43          332
  $  5001 -  10000     412      $3,109,083       $63,958      2.06          645
  $ 10001 -  15000     382      $4,761,751      $151,284      3.18          895
  $ 15001 -  20000     296      $5,166,466      $246,889      4.78          711
  $ 20001 -  25000     214      $4,808,210      $253,957      5.28          683
  $ 25001 -  30000     169      $4,666,498      $301,508      6.46          564
  $ 30001 -  35000     145      $4,704,289      $366,320      7.79          429
  $ 35001 -  40000     140      $5,228,090      $415,225      7.94          459
  $ 40001 -  45000      93      $3,958,314      $343,102      8.67          318
  $ 45001 -  50000      72      $3,440,420      $281,599      8.19          284
  $ 50001 -  75000     204     $12,328,866    $1,271,607     10.31          742
  $ 75001 - 100000      44      $3,692,240      $473,102     12.81          175
  OVER $100,000         35      $6,264,013    $1,340,799     21.40          114

                    ______________________________________________________________
  TOTAL               2706     $62,433,477    $5,521,772      8.84         6430
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.6            -1.5           0.1                    1.2
  $     1  -  5000    16.9             2.0           0.1                    5.2
  $  5001 -  10000    15.2             5.0           1.2                   10.0
  $ 10001 -  15000    14.1             7.6           2.7                   13.9
  $ 15001 -  20000    10.9             8.3           4.5                   11.1
  $ 20001 -  25000     7.9             7.7           4.6                   10.6
  $ 25001 -  30000     6.2             7.5           5.5                    8.8
  $ 30001 -  35000     5.4             7.5           6.6                    6.7
  $ 35001 -  40000     5.2             8.4           7.5                    7.1
  $ 40001 -  45000     3.4             6.3           6.2                    4.9
  $ 45001 -  50000     2.7             5.5           5.1                    4.4
  $ 50001 -  75000     7.5            19.7          23.0                   11.5
  $ 75001 - 100000     1.6             5.9           8.6                    2.7
  OVER $100,000        1.3            10.0          24.3                    1.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-20,796          $162                   1.80
  $     1  -  5000                  $2,676           $12                   0.73
  $  5001 -  10000                  $7,546          $155                   1.57
  $ 10001 -  15000                 $12,465          $396                   2.34
  $ 15001 -  20000                 $17,454          $834                   2.40
  $ 20001 -  25000                 $22,468        $1,187                   3.19
  $ 25001 -  30000                 $27,612        $1,784                   3.34
  $ 30001 -  35000                 $32,443        $2,526                   2.96
  $ 35001 -  40000                 $37,344        $2,966                   3.28
  $ 40001 -  45000                 $42,563        $3,689                   3.42
  $ 45001 -  50000                 $47,784        $3,911                   3.94
  $ 50001 -  75000                 $60,436        $6,233                   3.64
  $ 75001 - 100000                 $83,915       $10,752                   3.98
  OVER $100,000                   $178,972       $38,309                   3.26

                    ______________________________________________________________
  TOTAL                            $23,072        $2,041                   2.38
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      MILLARD
                        _________________________________________________
  UNDER $1              83     $-2,772,117        $2,085     -0.08          214
  $     1  -  5000     670      $1,856,835       $12,615      0.68          406
  $  5001 -  10000     549      $3,973,965       $97,819      2.46          673
  $ 10001 -  15000     425      $5,317,538      $162,205      3.05          909
  $ 15001 -  20000     345      $5,998,997      $255,957      4.27          874
  $ 20001 -  25000     276      $6,172,353      $341,188      5.53          768
  $ 25001 -  30000     230      $6,310,196      $378,599      6.00          777
  $ 30001 -  35000     206      $6,652,290      $465,523      7.00          721
  $ 35001 -  40000     197      $7,371,330      $552,761      7.50          780
  $ 40001 -  45000     181      $7,706,653      $646,175      8.38          705
  $ 45001 -  50000     171      $8,094,100      $672,557      8.31          709
  $ 50001 -  75000     603     $36,406,096    $3,578,074      9.83         2544
  $ 75001 - 100000     137     $11,516,112    $1,562,600     13.57          551
  OVER $100,000         52      $7,796,263    $1,414,299     18.14          192

                    ______________________________________________________________
  TOTAL               4125    $112,400,611   $10,142,457      9.02        10823
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             2.0            -2.5           0.0                    2.0
  $     1  -  5000    16.2             1.7           0.1                    3.8
  $  5001 -  10000    13.3             3.5           1.0                    6.2
  $ 10001 -  15000    10.3             4.7           1.6                    8.4
  $ 15001 -  20000     8.4             5.3           2.5                    8.1
  $ 20001 -  25000     6.7             5.5           3.4                    7.1
  $ 25001 -  30000     5.6             5.6           3.7                    7.2
  $ 30001 -  35000     5.0             5.9           4.6                    6.7
  $ 35001 -  40000     4.8             6.6           5.4                    7.2
  $ 40001 -  45000     4.4             6.9           6.4                    6.5
  $ 45001 -  50000     4.1             7.2           6.6                    6.6
  $ 50001 -  75000    14.6            32.4          35.3                   23.5
  $ 75001 - 100000     3.3            10.2          15.4                    5.1
  OVER $100,000        1.3             6.9          13.9                    1.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-33,399           $25                   2.58
  $     1  -  5000                  $2,771           $19                   0.61
  $  5001 -  10000                  $7,239          $178                   1.23
  $ 10001 -  15000                 $12,512          $382                   2.14
  $ 15001 -  20000                 $17,388          $742                   2.53
  $ 20001 -  25000                 $22,364        $1,236                   2.78
  $ 25001 -  30000                 $27,436        $1,646                   3.38
  $ 30001 -  35000                 $32,293        $2,260                   3.50
  $ 35001 -  40000                 $37,418        $2,806                   3.96
  $ 40001 -  45000                 $42,578        $3,570                   3.90
  $ 45001 -  50000                 $47,334        $3,933                   4.15
  $ 50001 -  75000                 $60,375        $5,934                   4.22
  $ 75001 - 100000                 $84,059       $11,406                   4.02
  OVER $100,000                   $149,928       $27,198                   3.69

                    ______________________________________________________________
  TOTAL                            $27,249        $2,459                   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 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      MORGAN
                        _________________________________________________
  UNDER $1              22       $-660,107        $4,688     -0.71           64
  $     1  -  5000     417        $998,417        $8,231      0.82           92
  $  5001 -  10000     263      $1,913,509       $67,684      3.54          208
  $ 10001 -  15000     209      $2,611,216      $127,866      4.90          301
  $ 15001 -  20000     179      $3,128,782      $194,222      6.21          315
  $ 20001 -  25000     162      $3,614,261      $231,612      6.41          370
  $ 25001 -  30000     147      $4,024,965      $323,675      8.04          329
  $ 30001 -  35000     144      $4,686,026      $387,913      8.28          384
  $ 35001 -  40000     159      $5,936,202      $451,886      7.61          549
  $ 40001 -  45000     138      $5,857,986      $485,913      8.29          458
  $ 45001 -  50000     120      $5,704,781      $511,679      8.97          440
  $ 50001 -  75000     460     $27,833,517    $2,665,047      9.57         1810
  $ 75001 - 100000     189     $16,018,178    $1,961,433     12.25          773
  $100001 - 250000      94     $13,469,515    $2,340,897     17.38          384
  OVER $250,000         13      $4,314,418    $1,067,175     24.74           56

                    ______________________________________________________________
  TOTAL               2716     $99,451,666   $10,829,921     10.89         6533
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.8            -0.7           0.0                    1.0
  $     1  -  5000    15.4             1.0           0.1                    1.4
  $  5001 -  10000     9.7             1.9           0.6                    3.2
  $ 10001 -  15000     7.7             2.6           1.2                    4.6
  $ 15001 -  20000     6.6             3.1           1.8                    4.8
  $ 20001 -  25000     6.0             3.6           2.1                    5.7
  $ 25001 -  30000     5.4             4.0           3.0                    5.0
  $ 30001 -  35000     5.3             4.7           3.6                    5.9
  $ 35001 -  40000     5.9             6.0           4.2                    8.4
  $ 40001 -  45000     5.1             5.9           4.5                    7.0
  $ 45001 -  50000     4.4             5.7           4.7                    6.7
  $ 50001 -  75000    16.9            28.0          24.6                   27.7
  $ 75001 - 100000     7.0            16.1          18.1                   11.8
  $100001 - 250000     3.5            13.5          21.6                    5.9
  OVER $250,000        0.5             4.3           9.9                    0.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-30,005          $213                   2.91
  $     1  -  5000                  $2,394           $20                   0.22
  $  5001 -  10000                  $7,276          $257                   0.79
  $ 10001 -  15000                 $12,494          $612                   1.44
  $ 15001 -  20000                 $17,479        $1,085                   1.76
  $ 20001 -  25000                 $22,310        $1,430                   2.28
  $ 25001 -  30000                 $27,381        $2,202                   2.24
  $ 30001 -  35000                 $32,542        $2,694                   2.67
  $ 35001 -  40000                 $37,335        $2,842                   3.45
  $ 40001 -  45000                 $42,449        $3,521                   3.32
  $ 45001 -  50000                 $47,540        $4,264                   3.67
  $ 50001 -  75000                 $60,508        $5,794                   3.93
  $ 75001 - 100000                 $84,752       $10,378                   4.09
  $100001 - 250000                $143,293       $24,903                   4.09
  OVER $250,000                   $331,878       $82,090                   4.31

                    ______________________________________________________________
  TOTAL                            $36,617        $3,987                   2.41
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      PIUTE
                        _________________________________________________
  UNDER $1              14       $-116,407             .       .             32
  $     1  -  5000      70        $196,091        $1,353      0.69           50
  $  5001 -  10000      76        $563,525        $7,267      1.29          140
  $ 10001 -  15000      51        $641,109       $16,237      2.53          109
  $ 15001 -  20000      44        $764,467       $28,614      3.74          117
  $ 20001 -  25000      44      $1,000,956       $72,576      7.25          129
  $ 25001 -  30000      33        $891,902       $44,641      5.01          115
  $ 30001 -  35000      36      $1,179,955       $82,480      6.99          117
  $ 35001 -  40000      22        $825,728       $73,383      8.89           63
  $ 40001 -  45000      10        $425,392       $36,487      8.58           40
  $ 45001 - 100000      41      $2,634,575      $311,535     11.82          159

                    ______________________________________________________________
  TOTAL                441      $9,007,293      $674,573      7.49         1071
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             3.2            -1.3            .                     3.0
  $     1  -  5000    15.9             2.2           0.2                    4.7
  $  5001 -  10000    17.2             6.3           1.1                   13.1
  $ 10001 -  15000    11.6             7.1           2.4                   10.2
  $ 15001 -  20000    10.0             8.5           4.2                   10.9
  $ 20001 -  25000    10.0            11.1          10.8                   12.0
  $ 25001 -  30000     7.5             9.9           6.6                   10.7
  $ 30001 -  35000     8.2            13.1          12.2                   10.9
  $ 35001 -  40000     5.0             9.2          10.9                    5.9
  $ 40001 -  45000     2.3             4.7           5.4                    3.7
  $ 45001 - 100000     9.3            29.2          46.2                   14.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-8,315             .                   2.29
  $     1  -  5000                  $2,801           $19                   0.71
  $  5001 -  10000                  $7,415           $96                   1.84
  $ 10001 -  15000                 $12,571          $318                   2.14
  $ 15001 -  20000                 $17,374          $650                   2.66
  $ 20001 -  25000                 $22,749        $1,649                   2.93
  $ 25001 -  30000                 $27,027        $1,353                   3.48
  $ 30001 -  35000                 $32,777        $2,291                   3.25
  $ 35001 -  40000                 $37,533        $3,336                   2.86
  $ 40001 -  45000                 $42,539        $3,649                   4.00
  $ 45001 - 100000                 $64,258        $7,598                   3.88

                    ______________________________________________________________
  TOTAL                            $20,425        $1,530                   2.43
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      RICH
                        _________________________________________________
  UNDER $1              20       $-424,331             .       .             39
  $     1  -  5000     139        $345,159        $2,868      0.83           48
  $  5001 -  10000      85        $633,859       $16,312      2.57           94
  $ 10001 -  15000      55        $678,084       $15,950      2.35          128
  $ 15001 -  20000      50        $866,324       $36,444      4.21          129
  $ 20001 -  25000      44      $1,005,287       $59,217      5.89          120
  $ 25001 -  30000      41      $1,111,991       $65,221      5.87          128
  $ 30001 -  35000      38      $1,239,112       $84,174      6.79          126
  $ 35001 -  40000      44      $1,651,373      $126,214      7.64          160
  $ 40001 -  45000      30      $1,278,066      $103,844      8.13          119
  $ 45001 -  50000      26      $1,226,452      $105,560      8.61          101
  $ 50001 -  75000      89      $5,323,760      $528,412      9.93          343
  $ 75001 - 100000      10        $879,458      $126,872     14.43           35
  OVER $100,000         13      $1,898,157      $357,301     18.82           45

                    ______________________________________________________________
  TOTAL                684     $17,712,751    $1,628,389      9.19         1615
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             2.9            -2.4            .                     2.4
  $     1  -  5000    20.3             1.9           0.2                    3.0
  $  5001 -  10000    12.4             3.6           1.0                    5.8
  $ 10001 -  15000     8.0             3.8           1.0                    7.9
  $ 15001 -  20000     7.3             4.9           2.2                    8.0
  $ 20001 -  25000     6.4             5.7           3.6                    7.4
  $ 25001 -  30000     6.0             6.3           4.0                    7.9
  $ 30001 -  35000     5.6             7.0           5.2                    7.8
  $ 35001 -  40000     6.4             9.3           7.8                    9.9
  $ 40001 -  45000     4.4             7.2           6.4                    7.4
  $ 45001 -  50000     3.8             6.9           6.5                    6.3
  $ 50001 -  75000    13.0            30.1          32.4                   21.2
  $ 75001 - 100000     1.5             5.0           7.8                    2.2
  OVER $100,000        1.9            10.7          21.9                    2.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-21,217             .                   1.95
  $     1  -  5000                  $2,483           $21                   0.35
  $  5001 -  10000                  $7,457          $192                   1.11
  $ 10001 -  15000                 $12,329          $290                   2.33
  $ 15001 -  20000                 $17,326          $729                   2.58
  $ 20001 -  25000                 $22,847        $1,346                   2.73
  $ 25001 -  30000                 $27,122        $1,591                   3.12
  $ 30001 -  35000                 $32,608        $2,215                   3.32
  $ 35001 -  40000                 $37,531        $2,869                   3.64
  $ 40001 -  45000                 $42,602        $3,461                   3.97
  $ 45001 -  50000                 $47,171        $4,060                   3.88
  $ 50001 -  75000                 $59,818        $5,937                   3.85
  $ 75001 - 100000                 $87,946       $12,687                   3.50
  OVER $100,000                   $146,012       $27,485                   3.46

                    ______________________________________________________________
  TOTAL                            $25,896        $2,381                   2.36
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SALT LAKE
                        _________________________________________________
  UNDER $1            1613    $-57,540,429      $138,845     -0.24         2687
  $     1  -  5000   43433    $113,391,043    $1,293,517      1.14        20429
  $  5001 -  10000   37964    $282,395,307    $8,636,006      3.06        39128
  $ 10001 -  15000   35651    $445,968,790   $22,271,316      4.99        52371
  $ 15001 -  20000   34840    $607,914,885   $39,200,645      6.45        59900
  $ 20001 -  25000   28429    $636,804,544   $47,881,726      7.52        54630
  $ 25001 -  30000   23602    $647,666,417   $52,578,718      8.12        50400
  $ 30001 -  35000   20429    $663,068,419   $56,653,684      8.54        48550
  $ 35001 -  40000   18548    $694,514,616   $62,496,387      9.00        48652
  $ 40001 -  45000   16328    $693,135,776   $64,667,796      9.33        46248
  $ 45001 -  50000   14292    $678,269,993   $64,942,196      9.57        43078
  $ 50001 -  75000   46757  $2,840,349,114  $296,742,893     10.45       152482
  $ 75001 - 100000   17907  $1,529,662,533  $198,793,152     13.00        60801
  $100001 - 250000   14331  $2,007,983,390  $352,215,384     17.54        48772
  OVER $250,000       2680  $1,749,633,614  $549,648,755     31.42         8823

                    ______________________________________________________________
  TOTAL             356804 $13,533,218,012$1,818,161,020     13.43       736951
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.5            -0.4           0.0                    0.4
  $     1  -  5000    12.2             0.8           0.1                    2.8
  $  5001 -  10000    10.6             2.1           0.5                    5.3
  $ 10001 -  15000    10.0             3.3           1.2                    7.1
  $ 15001 -  20000     9.8             4.5           2.2                    8.1
  $ 20001 -  25000     8.0             4.7           2.6                    7.4
  $ 25001 -  30000     6.6             4.8           2.9                    6.8
  $ 30001 -  35000     5.7             4.9           3.1                    6.6
  $ 35001 -  40000     5.2             5.1           3.4                    6.6
  $ 40001 -  45000     4.6             5.1           3.6                    6.3
  $ 45001 -  50000     4.0             5.0           3.6                    5.8
  $ 50001 -  75000    13.1            21.0          16.3                   20.7
  $ 75001 - 100000     5.0            11.3          10.9                    8.3
  $100001 - 250000     4.0            14.8          19.4                    6.6
  OVER $250,000        0.8            12.9          30.2                    1.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-35,673           $86                   1.67
  $     1  -  5000                  $2,611           $30                   0.47
  $  5001 -  10000                  $7,439          $227                   1.03
  $ 10001 -  15000                 $12,509          $625                   1.47
  $ 15001 -  20000                 $17,449        $1,125                   1.72
  $ 20001 -  25000                 $22,400        $1,684                   1.92
  $ 25001 -  30000                 $27,441        $2,228                   2.14
  $ 30001 -  35000                 $32,457        $2,773                   2.38
  $ 35001 -  40000                 $37,444        $3,369                   2.62
  $ 40001 -  45000                 $42,451        $3,961                   2.83
  $ 45001 -  50000                 $47,458        $4,544                   3.01
  $ 50001 -  75000                 $60,747        $6,346                   3.26
  $ 75001 - 100000                 $85,423       $11,101                   3.40
  $100001 - 250000                $140,115       $24,577                   3.40
  OVER $250,000                   $652,848      $205,093                   3.29

                    ______________________________________________________________
  TOTAL                            $37,929        $5,096                   2.07
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SAN JUAN
                        _________________________________________________
  UNDER $1              41     $-1,323,916             .       .             85
  $     1  -  5000     617      $1,607,329        $6,761      0.42          546
  $  5001 -  10000     418      $3,060,826       $47,011      1.54          715
  $ 10001 -  15000     387      $4,790,628      $127,878      2.67          874
  $ 15001 -  20000     254      $4,401,991      $171,091      3.89          702
  $ 20001 -  25000     223      $4,956,183      $246,562      4.97          714
  $ 25001 -  30000     207      $5,686,944      $339,265      5.97          733
  $ 30001 -  35000     159      $5,139,397      $354,338      6.89          577
  $ 35001 -  40000     150      $5,612,035      $470,851      8.39          518
  $ 40001 -  45000     124      $5,258,058      $450,135      8.56          468
  $ 45001 -  50000     109      $5,184,921      $475,439      9.17          434
  $ 50001 -  75000     331     $19,812,630    $2,068,056     10.44         1316
  $ 75001 - 100000      87      $7,321,008      $968,027     13.22          330
  OVER $100,000         40      $7,437,702    $1,706,326     22.94          138

                    ______________________________________________________________
  TOTAL               3147     $78,945,736    $7,431,740      9.41         8150
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.3            -1.7            .                     1.0
  $     1  -  5000    19.6             2.0           0.1                    6.7
  $  5001 -  10000    13.3             3.9           0.6                    8.8
  $ 10001 -  15000    12.3             6.1           1.7                   10.7
  $ 15001 -  20000     8.1             5.6           2.3                    8.6
  $ 20001 -  25000     7.1             6.3           3.3                    8.8
  $ 25001 -  30000     6.6             7.2           4.6                    9.0
  $ 30001 -  35000     5.1             6.5           4.8                    7.1
  $ 35001 -  40000     4.8             7.1           6.3                    6.4
  $ 40001 -  45000     3.9             6.7           6.1                    5.7
  $ 45001 -  50000     3.5             6.6           6.4                    5.3
  $ 50001 -  75000    10.5            25.1          27.8                   16.1
  $ 75001 - 100000     2.8             9.3          13.0                    4.0
  OVER $100,000        1.3             9.4          23.0                    1.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-32,291             .                   2.07
  $     1  -  5000                  $2,605           $11                   0.88
  $  5001 -  10000                  $7,323          $112                   1.71
  $ 10001 -  15000                 $12,379          $330                   2.26
  $ 15001 -  20000                 $17,331          $674                   2.76
  $ 20001 -  25000                 $22,225        $1,106                   3.20
  $ 25001 -  30000                 $27,473        $1,639                   3.54
  $ 30001 -  35000                 $32,323        $2,229                   3.63
  $ 35001 -  40000                 $37,414        $3,139                   3.45
  $ 40001 -  45000                 $42,404        $3,630                   3.77
  $ 45001 -  50000                 $47,568        $4,362                   3.98
  $ 50001 -  75000                 $59,857        $6,248                   3.98
  $ 75001 - 100000                 $84,150       $11,127                   3.79
  OVER $100,000                   $185,943       $42,658                   3.45

                    ______________________________________________________________
  TOTAL                            $25,086        $2,362                   2.59
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SANPETE
                        _________________________________________________
  UNDER $1              92     $-2,330,389        $1,471     -0.06          225
  $     1  -  5000    1183      $3,035,437       $23,887      0.79          689
  $  5001 -  10000     882      $6,476,464      $136,977      2.11         1362
  $ 10001 -  15000     810     $10,129,079      $329,846      3.26         1814
  $ 15001 -  20000     636     $11,004,006      $470,301      4.27         1658
  $ 20001 -  25000     540     $12,147,216      $662,794      5.46         1555
  $ 25001 -  30000     443     $12,137,939      $719,278      5.93         1494
  $ 30001 -  35000     392     $12,707,479      $838,511      6.60         1390
  $ 35001 -  40000     305     $11,488,063      $850,442      7.40         1137
  $ 40001 -  45000     275     $11,671,495      $940,588      8.06         1054
  $ 45001 -  50000     262     $12,404,700    $1,064,064      8.58         1028
  $ 50001 -  75000     679     $40,419,576    $3,904,102      9.66         2837
  $ 75001 - 100000     152     $12,821,064    $1,618,123     12.62          641
  $100001 - 250000      82     $11,500,442    $1,942,703     16.89          348
  OVER $250,000         12      $6,426,279    $1,419,263     22.09           45

                    ______________________________________________________________
  TOTAL               6745    $172,038,850   $14,922,350      8.67        17277
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.4            -1.4           0.0                    1.3
  $     1  -  5000    17.5             1.8           0.2                    4.0
  $  5001 -  10000    13.1             3.8           0.9                    7.9
  $ 10001 -  15000    12.0             5.9           2.2                   10.5
  $ 15001 -  20000     9.4             6.4           3.2                    9.6
  $ 20001 -  25000     8.0             7.1           4.4                    9.0
  $ 25001 -  30000     6.6             7.1           4.8                    8.6
  $ 30001 -  35000     5.8             7.4           5.6                    8.0
  $ 35001 -  40000     4.5             6.7           5.7                    6.6
  $ 40001 -  45000     4.1             6.8           6.3                    6.1
  $ 45001 -  50000     3.9             7.2           7.1                    6.0
  $ 50001 -  75000    10.1            23.5          26.2                   16.4
  $ 75001 - 100000     2.3             7.5          10.8                    3.7
  $100001 - 250000     1.2             6.7          13.0                    2.0
  OVER $250,000        0.2             3.7           9.5                    0.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-25,330           $16                   2.45
  $     1  -  5000                  $2,566           $20                   0.58
  $  5001 -  10000                  $7,343          $155                   1.54
  $ 10001 -  15000                 $12,505          $407                   2.24
  $ 15001 -  20000                 $17,302          $739                   2.61
  $ 20001 -  25000                 $22,495        $1,227                   2.88
  $ 25001 -  30000                 $27,399        $1,624                   3.37
  $ 30001 -  35000                 $32,417        $2,139                   3.55
  $ 35001 -  40000                 $37,666        $2,788                   3.73
  $ 40001 -  45000                 $42,442        $3,420                   3.83
  $ 45001 -  50000                 $47,346        $4,061                   3.92
  $ 50001 -  75000                 $59,528        $5,750                   4.18
  $ 75001 - 100000                 $84,349       $10,646                   4.22
  $100001 - 250000                $140,249       $23,692                   4.24
  OVER $250,000                   $535,523      $118,272                   3.75

                    ______________________________________________________________
  TOTAL                            $25,506        $2,212                   2.56
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SEVIER
                        _________________________________________________
  UNDER $1              77     $-3,808,956          $342     -0.01          172
  $     1  -  5000    1139      $2,985,792       $28,630      0.96          686
  $  5001 -  10000     837      $6,218,549      $141,792      2.28         1153
  $ 10001 -  15000     678      $8,503,114      $294,633      3.47         1359
  $ 15001 -  20000     544      $9,489,927      $409,172      4.31         1305
  $ 20001 -  25000     491     $11,068,503      $612,989      5.54         1369
  $ 25001 -  30000     443     $12,115,766      $782,725      6.46         1363
  $ 30001 -  35000     342     $11,095,028      $819,997      7.39         1077
  $ 35001 -  40000     343     $12,820,070    $1,026,420      8.01         1172
  $ 40001 -  45000     254     $10,794,161      $910,269      8.43          906
  $ 45001 -  50000     289     $13,746,379    $1,258,165      9.15         1040
  $ 50001 -  75000     715     $42,991,411    $4,392,144     10.22         2684
  $ 75001 - 100000     190     $16,159,382    $2,142,206     13.26          705
  $100001 - 250000      95     $13,455,260    $2,391,570     17.77          375
  OVER $250,000         17     $10,048,867    $3,265,777     32.50           67

                    ______________________________________________________________
  TOTAL               6454    $177,683,253   $18,476,831     10.40        15433
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.2            -2.1           0.0                    1.1
  $     1  -  5000    17.6             1.7           0.2                    4.4
  $  5001 -  10000    13.0             3.5           0.8                    7.5
  $ 10001 -  15000    10.5             4.8           1.6                    8.8
  $ 15001 -  20000     8.4             5.3           2.2                    8.5
  $ 20001 -  25000     7.6             6.2           3.3                    8.9
  $ 25001 -  30000     6.9             6.8           4.2                    8.8
  $ 30001 -  35000     5.3             6.2           4.4                    7.0
  $ 35001 -  40000     5.3             7.2           5.6                    7.6
  $ 40001 -  45000     3.9             6.1           4.9                    5.9
  $ 45001 -  50000     4.5             7.7           6.8                    6.7
  $ 50001 -  75000    11.1            24.2          23.8                   17.4
  $ 75001 - 100000     2.9             9.1          11.6                    4.6
  $100001 - 250000     1.5             7.6          12.9                    2.4
  OVER $250,000        0.3             5.7          17.7                    0.4

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-49,467            $4                   2.23
  $     1  -  5000                  $2,621           $25                   0.60
  $  5001 -  10000                  $7,430          $169                   1.38
  $ 10001 -  15000                 $12,541          $435                   2.00
  $ 15001 -  20000                 $17,445          $752                   2.40
  $ 20001 -  25000                 $22,543        $1,248                   2.79
  $ 25001 -  30000                 $27,349        $1,767                   3.08
  $ 30001 -  35000                 $32,442        $2,398                   3.15
  $ 35001 -  40000                 $37,376        $2,992                   3.42
  $ 40001 -  45000                 $42,497        $3,584                   3.57
  $ 45001 -  50000                 $47,565        $4,354                   3.60
  $ 50001 -  75000                 $60,128        $6,143                   3.75
  $ 75001 - 100000                 $85,049       $11,275                   3.71
  $100001 - 250000                $141,634       $25,174                   3.95
  OVER $250,000                   $591,110      $192,105                   3.94

                    ______________________________________________________________
  TOTAL                            $27,531        $2,863                   2.39
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      SUMMIT
                        _________________________________________________
  UNDER $1             120     $-5,017,162        $5,658     -0.11          201
  $     1  -  5000    1496      $3,864,391       $88,432      2.29          486
  $  5001 -  10000    1183      $8,750,295      $311,594      3.56         1013
  $ 10001 -  15000    1006     $12,530,652      $687,280      5.48         1365
  $ 15001 -  20000     960     $16,705,633    $1,201,833      7.19         1476
  $ 20001 -  25000     752     $16,851,368    $1,329,945      7.89         1309
  $ 25001 -  30000     617     $16,855,876    $1,465,300      8.69         1143
  $ 30001 -  35000     497     $16,098,337    $1,435,451      8.92         1073
  $ 35001 -  40000     454     $17,020,909    $1,617,449      9.50         1046
  $ 40001 -  45000     446     $18,928,799    $1,760,260      9.30         1164
  $ 45001 -  50000     375     $17,820,391    $1,746,025      9.80         1021
  $ 50001 -  75000    1398     $85,502,751    $8,981,038     10.50         4135
  $ 75001 - 100000     776     $66,723,002    $8,396,753     12.58         2343
  $100001 - 250000    1326    $199,236,502   $34,993,197     17.56         4133
  OVER $250,000        294    $182,814,681   $49,918,054     27.31          837

                    ______________________________________________________________
  TOTAL              11700    $674,686,425  $113,938,269     16.89        22745
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.0            -0.7           0.0                    0.9
  $     1  -  5000    12.8             0.6           0.1                    2.1
  $  5001 -  10000    10.1             1.3           0.3                    4.5
  $ 10001 -  15000     8.6             1.9           0.6                    6.0
  $ 15001 -  20000     8.2             2.5           1.1                    6.5
  $ 20001 -  25000     6.4             2.5           1.2                    5.8
  $ 25001 -  30000     5.3             2.5           1.3                    5.0
  $ 30001 -  35000     4.2             2.4           1.3                    4.7
  $ 35001 -  40000     3.9             2.5           1.4                    4.6
  $ 40001 -  45000     3.8             2.8           1.5                    5.1
  $ 45001 -  50000     3.2             2.6           1.5                    4.5
  $ 50001 -  75000    11.9            12.7           7.9                   18.2
  $ 75001 - 100000     6.6             9.9           7.4                   10.3
  $100001 - 250000    11.3            29.5          30.7                   18.2
  OVER $250,000        2.5            27.1          43.8                    3.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-41,810           $47                   1.67
  $     1  -  5000                  $2,583           $59                   0.32
  $  5001 -  10000                  $7,397          $263                   0.86
  $ 10001 -  15000                 $12,456          $683                   1.36
  $ 15001 -  20000                 $17,402        $1,252                   1.54
  $ 20001 -  25000                 $22,409        $1,769                   1.74
  $ 25001 -  30000                 $27,319        $2,375                   1.85
  $ 30001 -  35000                 $32,391        $2,888                   2.16
  $ 35001 -  40000                 $37,491        $3,563                   2.30
  $ 40001 -  45000                 $42,441        $3,947                   2.61
  $ 45001 -  50000                 $47,521        $4,656                   2.72
  $ 50001 -  75000                 $61,161        $6,424                   2.96
  $ 75001 - 100000                 $85,983       $10,821                   3.02
  $100001 - 250000                $150,254       $26,390                   3.12
  OVER $250,000                   $621,819      $169,789                   2.85

                    ______________________________________________________________
  TOTAL                            $57,666        $9,738                   1.94
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      TOOELE
                        _________________________________________________
  UNDER $1              48       $-719,011       $11,167     -1.55           84
  $     1  -  5000    1627      $4,136,693       $29,959      0.72          776
  $  5001 -  10000    1265      $9,419,137      $241,199      2.56         1454
  $ 10001 -  15000    1245     $15,580,785      $726,239      4.66         1953
  $ 15001 -  20000    1253     $21,875,344    $1,285,424      5.88         2384
  $ 20001 -  25000    1090     $24,421,745    $1,716,869      7.03         2362
  $ 25001 -  30000     964     $26,490,571    $2,073,148      7.83         2301
  $ 30001 -  35000     926     $30,121,498    $2,548,328      8.46         2450
  $ 35001 -  40000     912     $34,169,632    $3,063,538      8.97         2614
  $ 40001 -  45000     790     $33,465,850    $3,094,920      9.25         2481
  $ 45001 -  50000     695     $32,983,170    $3,252,582      9.86         2175
  $ 50001 -  75000    2189    $132,661,617   $14,183,436     10.69         7423
  $ 75001 - 100000     670     $56,892,336    $7,681,018     13.50         2330
  $100001 - 250000     272     $35,280,703    $6,196,449     17.56          943
  OVER $250,000         21      $8,150,157    $2,138,023     26.23           56

                    ______________________________________________________________
  TOTAL              13967    $464,930,227   $48,242,299     10.38        31786
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.3            -0.2           0.0                    0.3
  $     1  -  5000    11.6             0.9           0.1                    2.4
  $  5001 -  10000     9.1             2.0           0.5                    4.6
  $ 10001 -  15000     8.9             3.4           1.5                    6.1
  $ 15001 -  20000     9.0             4.7           2.7                    7.5
  $ 20001 -  25000     7.8             5.3           3.6                    7.4
  $ 25001 -  30000     6.9             5.7           4.3                    7.2
  $ 30001 -  35000     6.6             6.5           5.3                    7.7
  $ 35001 -  40000     6.5             7.3           6.4                    8.2
  $ 40001 -  45000     5.7             7.2           6.4                    7.8
  $ 45001 -  50000     5.0             7.1           6.7                    6.8
  $ 50001 -  75000    15.7            28.5          29.4                   23.4
  $ 75001 - 100000     4.8            12.2          15.9                    7.3
  $100001 - 250000     1.9             7.6          12.8                    3.0
  OVER $250,000        0.2             1.8           4.4                    0.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-14,979          $233                   1.75
  $     1  -  5000                  $2,543           $18                   0.48
  $  5001 -  10000                  $7,446          $191                   1.15
  $ 10001 -  15000                 $12,515          $583                   1.57
  $ 15001 -  20000                 $17,458        $1,026                   1.90
  $ 20001 -  25000                 $22,405        $1,575                   2.17
  $ 25001 -  30000                 $27,480        $2,151                   2.39
  $ 30001 -  35000                 $32,529        $2,752                   2.65
  $ 35001 -  40000                 $37,467        $3,359                   2.87
  $ 40001 -  45000                 $42,362        $3,918                   3.14
  $ 45001 -  50000                 $47,458        $4,680                   3.13
  $ 50001 -  75000                 $60,604        $6,479                   3.39
  $ 75001 - 100000                 $84,914       $11,464                   3.48
  $100001 - 250000                $129,708       $22,781                   3.47
  OVER $250,000                   $388,103      $101,811                   2.67

                    ______________________________________________________________
  TOTAL                            $33,288        $3,454                   2.28
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      UINTAH
                        _________________________________________________
  UNDER $1              85     $-3,147,847          $210     -0.01          209
  $     1  -  5000    1416      $3,651,041       $29,453      0.81         1066
  $  5001 -  10000    1053      $7,816,618      $164,510      2.10         1556
  $ 10001 -  15000     803      $9,964,764      $354,972      3.56         1601
  $ 15001 -  20000     725     $12,675,841      $584,772      4.61         1776
  $ 20001 -  25000     589     $13,255,429      $771,634      5.82         1583
  $ 25001 -  30000     493     $13,506,674      $924,528      6.84         1463
  $ 30001 -  35000     468     $15,214,881    $1,197,863      7.87         1497
  $ 35001 -  40000     446     $16,683,741    $1,399,901      8.39         1524
  $ 40001 -  45000     369     $15,640,175    $1,406,054      8.99         1303
  $ 45001 -  50000     311     $14,750,186    $1,342,881      9.10         1163
  $ 50001 -  75000     904     $54,539,641    $5,862,113     10.75         3277
  $ 75001 - 100000     265     $22,338,225    $3,126,912     14.00          952
  $100001 - 250000     128     $17,388,314    $3,376,454     19.42          416
  OVER $250,000         21      $7,464,849    $2,088,526     27.98           68

                    ______________________________________________________________
  TOTAL               8076    $221,742,532   $22,630,783     10.21        19454
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.1            -1.4           0.0                    1.1
  $     1  -  5000    17.5             1.6           0.1                    5.5
  $  5001 -  10000    13.0             3.5           0.7                    8.0
  $ 10001 -  15000     9.9             4.5           1.6                    8.2
  $ 15001 -  20000     9.0             5.7           2.6                    9.1
  $ 20001 -  25000     7.3             6.0           3.4                    8.1
  $ 25001 -  30000     6.1             6.1           4.1                    7.5
  $ 30001 -  35000     5.8             6.9           5.3                    7.7
  $ 35001 -  40000     5.5             7.5           6.2                    7.8
  $ 40001 -  45000     4.6             7.1           6.2                    6.7
  $ 45001 -  50000     3.9             6.7           5.9                    6.0
  $ 50001 -  75000    11.2            24.6          25.9                   16.8
  $ 75001 - 100000     3.3            10.1          13.8                    4.9
  $100001 - 250000     1.6             7.8          14.9                    2.1
  OVER $250,000        0.3             3.4           9.2                    0.3

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-37,033            $2                   2.46
  $     1  -  5000                  $2,578           $21                   0.75
  $  5001 -  10000                  $7,423          $156                   1.48
  $ 10001 -  15000                 $12,409          $442                   1.99
  $ 15001 -  20000                 $17,484          $807                   2.45
  $ 20001 -  25000                 $22,505        $1,310                   2.69
  $ 25001 -  30000                 $27,397        $1,875                   2.97
  $ 30001 -  35000                 $32,510        $2,560                   3.20
  $ 35001 -  40000                 $37,407        $3,139                   3.42
  $ 40001 -  45000                 $42,385        $3,810                   3.53
  $ 45001 -  50000                 $47,428        $4,318                   3.74
  $ 50001 -  75000                 $60,331        $6,485                   3.63
  $ 75001 - 100000                 $84,295       $11,800                   3.59
  $100001 - 250000                $135,846       $26,379                   3.25
  OVER $250,000                   $355,469       $99,454                   3.24

                    ______________________________________________________________
  TOTAL                            $27,457        $2,802                   2.41
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      UTAH
                        _________________________________________________
  UNDER $1             695    $-25,887,598       $72,347     -0.28         1533
  $     1  -  5000   18614     $49,164,057      $487,697      0.99         7810
  $  5001 -  10000   15629    $115,350,454    $3,497,764      3.03        16325
  $ 10001 -  15000   12212    $151,637,277    $6,583,310      4.34        20504
  $ 15001 -  20000   10253    $178,530,460    $9,774,754      5.48        21168
  $ 20001 -  25000    8123    $182,341,086   $11,614,901      6.37        19549
  $ 25001 -  30000    6784    $186,119,703   $12,983,988      6.98        18396
  $ 30001 -  35000    6125    $198,833,747   $14,831,805      7.46        18255
  $ 35001 -  40000    5733    $214,820,006   $16,595,447      7.73        19042
  $ 40001 -  45000    5333    $226,402,973   $18,138,884      8.01        18933
  $ 45001 -  50000    4595    $218,136,661   $18,099,625      8.30        17206
  $ 50001 -  75000   14625    $885,324,940   $81,248,966      9.18        58065
  $ 75001 - 100000    5179    $442,596,669   $51,539,844     11.64        21474
  $100001 - 250000    3643    $499,692,459   $80,669,512     16.14        15548
  OVER $250,000        627    $361,268,218   $96,078,194     26.59         2603

                    ______________________________________________________________
  TOTAL             118170  $3,884,331,112  $422,217,038     10.87       276411
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.6            -0.7           0.0                    0.6
  $     1  -  5000    15.8             1.3           0.1                    2.8
  $  5001 -  10000    13.2             3.0           0.8                    5.9
  $ 10001 -  15000    10.3             3.9           1.6                    7.4
  $ 15001 -  20000     8.7             4.6           2.3                    7.7
  $ 20001 -  25000     6.9             4.7           2.8                    7.1
  $ 25001 -  30000     5.7             4.8           3.1                    6.7
  $ 30001 -  35000     5.2             5.1           3.5                    6.6
  $ 35001 -  40000     4.9             5.5           3.9                    6.9
  $ 40001 -  45000     4.5             5.8           4.3                    6.8
  $ 45001 -  50000     3.9             5.6           4.3                    6.2
  $ 50001 -  75000    12.4            22.8          19.2                   21.0
  $ 75001 - 100000     4.4            11.4          12.2                    7.8
  $100001 - 250000     3.1            12.9          19.1                    5.6
  OVER $250,000        0.5             9.3          22.8                    0.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-37,248          $104                   2.21
  $     1  -  5000                  $2,641           $26                   0.42
  $  5001 -  10000                  $7,381          $224                   1.04
  $ 10001 -  15000                 $12,417          $539                   1.68
  $ 15001 -  20000                 $17,413          $953                   2.06
  $ 20001 -  25000                 $22,448        $1,430                   2.41
  $ 25001 -  30000                 $27,435        $1,914                   2.71
  $ 30001 -  35000                 $32,463        $2,422                   2.98
  $ 35001 -  40000                 $37,471        $2,895                   3.32
  $ 40001 -  45000                 $42,453        $3,401                   3.55
  $ 45001 -  50000                 $47,473        $3,939                   3.74
  $ 50001 -  75000                 $60,535        $5,555                   3.97
  $ 75001 - 100000                 $85,460        $9,952                   4.15
  $100001 - 250000                $137,165       $22,144                   4.27
  OVER $250,000                   $576,185      $153,235                   4.15

                    ______________________________________________________________
  TOTAL                            $32,871        $3,573                   2.34
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      WASATCH
                        _________________________________________________
  UNDER $1              41     $-1,435,748        $4,417     -0.31          103
  $     1  -  5000     802      $2,248,578       $25,799      1.15          301
  $  5001 -  10000     543      $4,011,368      $149,985      3.74          502
  $ 10001 -  15000     477      $5,933,557      $253,113      4.27          764
  $ 15001 -  20000     439      $7,666,027      $454,320      5.93          816
  $ 20001 -  25000     380      $8,558,720      $555,587      6.49          885
  $ 25001 -  30000     319      $8,770,212      $639,758      7.29          807
  $ 30001 -  35000     291      $9,488,749      $705,839      7.44          841
  $ 35001 -  40000     270     $10,110,206      $784,953      7.76          840
  $ 40001 -  45000     236     $10,043,730      $827,989      8.24          825
  $ 45001 -  50000     208      $9,901,918      $801,699      8.10          730
  $ 50001 -  75000     695     $41,742,107    $4,078,746      9.77         2580
  $ 75001 - 100000     220     $18,777,228    $2,309,295     12.30          801
  $100001 - 250000     172     $24,482,212    $4,191,653     17.12          647
  OVER $250,000         36     $18,483,833    $4,889,344     26.45          138

                    ______________________________________________________________
  TOTAL               5129    $178,782,697   $20,672,497     11.56        11580
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.8            -0.8           0.0                    0.9
  $     1  -  5000    15.6             1.3           0.1                    2.6
  $  5001 -  10000    10.6             2.2           0.7                    4.3
  $ 10001 -  15000     9.3             3.3           1.2                    6.6
  $ 15001 -  20000     8.6             4.3           2.2                    7.0
  $ 20001 -  25000     7.4             4.8           2.7                    7.6
  $ 25001 -  30000     6.2             4.9           3.1                    7.0
  $ 30001 -  35000     5.7             5.3           3.4                    7.3
  $ 35001 -  40000     5.3             5.7           3.8                    7.3
  $ 40001 -  45000     4.6             5.6           4.0                    7.1
  $ 45001 -  50000     4.1             5.5           3.9                    6.3
  $ 50001 -  75000    13.6            23.3          19.7                   22.3
  $ 75001 - 100000     4.3            10.5          11.2                    6.9
  $100001 - 250000     3.4            13.7          20.3                    5.6
  OVER $250,000        0.7            10.3          23.7                    1.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-35,018          $108                   2.51
  $     1  -  5000                  $2,804           $32                   0.38
  $  5001 -  10000                  $7,387          $276                   0.92
  $ 10001 -  15000                 $12,439          $531                   1.60
  $ 15001 -  20000                 $17,462        $1,035                   1.86
  $ 20001 -  25000                 $22,523        $1,462                   2.33
  $ 25001 -  30000                 $27,493        $2,006                   2.53
  $ 30001 -  35000                 $32,607        $2,426                   2.89
  $ 35001 -  40000                 $37,445        $2,907                   3.11
  $ 40001 -  45000                 $42,558        $3,508                   3.50
  $ 45001 -  50000                 $47,605        $3,854                   3.51
  $ 50001 -  75000                 $60,061        $5,869                   3.71
  $ 75001 - 100000                 $85,351       $10,497                   3.64
  $100001 - 250000                $142,338       $24,370                   3.76
  OVER $250,000                   $513,440      $135,815                   3.83

                    ______________________________________________________________
  TOTAL                            $34,857        $4,031                   2.26
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      WASHINGTON
                        _________________________________________________
  UNDER $1             266    $-12,608,656       $20,299     -0.16          605
  $     1  -  5000    3684      $9,857,383       $87,720      0.89         2319
  $  5001 -  10000    3454     $25,776,991      $661,813      2.57         4415
  $ 10001 -  15000    3084     $38,445,421    $1,452,921      3.78         5444
  $ 15001 -  20000    2772     $48,322,031    $2,300,007      4.76         6040
  $ 20001 -  25000    2229     $49,982,709    $2,893,515      5.79         5436
  $ 25001 -  30000    1919     $52,678,194    $3,517,662      6.68         5083
  $ 30001 -  35000    1678     $54,457,794    $3,872,105      7.11         4988
  $ 35001 -  40000    1500     $56,113,661    $4,306,538      7.67         4706
  $ 40001 -  45000    1201     $50,858,634    $4,145,336      8.15         3977
  $ 45001 -  50000    1063     $50,505,617    $4,412,012      8.74         3521
  $ 50001 -  75000    3149    $190,269,176   $18,468,309      9.71        10818
  $ 75001 - 100000     975     $82,643,622   $10,329,957     12.50         3298
  $100001 - 250000     696     $97,781,040   $16,659,455     17.04         2329
  OVER $250,000        146     $79,902,954   $20,925,739     26.19          535

                    ______________________________________________________________
  TOTAL              27816    $874,986,571   $94,053,388     10.75        63514
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             1.0            -1.4           0.0                    1.0
  $     1  -  5000    13.2             1.1           0.1                    3.7
  $  5001 -  10000    12.4             2.9           0.7                    7.0
  $ 10001 -  15000    11.1             4.4           1.5                    8.6
  $ 15001 -  20000    10.0             5.5           2.4                    9.5
  $ 20001 -  25000     8.0             5.7           3.1                    8.6
  $ 25001 -  30000     6.9             6.0           3.7                    8.0
  $ 30001 -  35000     6.0             6.2           4.1                    7.9
  $ 35001 -  40000     5.4             6.4           4.6                    7.4
  $ 40001 -  45000     4.3             5.8           4.4                    6.3
  $ 45001 -  50000     3.8             5.8           4.7                    5.5
  $ 50001 -  75000    11.3            21.7          19.6                   17.0
  $ 75001 - 100000     3.5             9.4          11.0                    5.2
  $100001 - 250000     2.5            11.2          17.7                    3.7
  OVER $250,000        0.5             9.1          22.2                    0.8

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-47,401           $76                   2.27
  $     1  -  5000                  $2,676           $24                   0.63
  $  5001 -  10000                  $7,463          $192                   1.28
  $ 10001 -  15000                 $12,466          $471                   1.77
  $ 15001 -  20000                 $17,432          $830                   2.18
  $ 20001 -  25000                 $22,424        $1,298                   2.44
  $ 25001 -  30000                 $27,451        $1,833                   2.65
  $ 30001 -  35000                 $32,454        $2,308                   2.97
  $ 35001 -  40000                 $37,409        $2,871                   3.14
  $ 40001 -  45000                 $42,347        $3,452                   3.31
  $ 45001 -  50000                 $47,512        $4,151                   3.31
  $ 50001 -  75000                 $60,422        $5,865                   3.44
  $ 75001 - 100000                 $84,763       $10,595                   3.38
  $100001 - 250000                $140,490       $23,936                   3.35
  OVER $250,000                   $547,281      $143,327                   3.66

                    ______________________________________________________________
  TOTAL                            $31,456        $3,381                   2.28
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      WAYNE
                        _________________________________________________
  UNDER $1              18       $-151,207             .       .             35
  $     1  -  5000     139        $359,201        $1,277      0.36           81
  $  5001 -  10000     116        $876,942       $14,139      1.61          206
  $ 10001 -  15000     117      $1,451,603       $45,284      3.12          261
  $ 15001 -  20000     110      $1,928,918       $77,531      4.02          288
  $ 20001 -  25000      74      $1,660,882       $88,677      5.34          200
  $ 25001 -  30000      64      $1,762,995      $127,965      7.26          174
  $ 30001 -  35000      44      $1,433,318      $104,972      7.32          130
  $ 35001 -  40000      34      $1,279,234      $100,938      7.89          124
  $ 40001 -  45000      38      $1,613,660      $140,181      8.69          140
  $ 45001 -  50000      25      $1,194,122      $113,918      9.54           96
  $ 50001 -  75000      63      $3,819,362      $399,787     10.47          217
  $ 75001 - 250000      14      $1,390,162      $227,034     16.33           38

                    ______________________________________________________________
  TOTAL                856     $18,619,192    $1,441,703      7.74         1990
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             2.1            -0.8            .                     1.8
  $     1  -  5000    16.2             1.9           0.1                    4.1
  $  5001 -  10000    13.6             4.7           1.0                   10.4
  $ 10001 -  15000    13.7             7.8           3.1                   13.1
  $ 15001 -  20000    12.9            10.4           5.4                   14.5
  $ 20001 -  25000     8.6             8.9           6.2                   10.1
  $ 25001 -  30000     7.5             9.5           8.9                    8.7
  $ 30001 -  35000     5.1             7.7           7.3                    6.5
  $ 35001 -  40000     4.0             6.9           7.0                    6.2
  $ 40001 -  45000     4.4             8.7           9.7                    7.0
  $ 45001 -  50000     2.9             6.4           7.9                    4.8
  $ 50001 -  75000     7.4            20.5          27.7                   10.9
  $ 75001 - 250000     1.6             7.5          15.7                    1.9

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                         $-8,400             .                   1.94
  $     1  -  5000                  $2,584            $9                   0.58
  $  5001 -  10000                  $7,560          $122                   1.78
  $ 10001 -  15000                 $12,407          $387                   2.23
  $ 15001 -  20000                 $17,536          $705                   2.62
  $ 20001 -  25000                 $22,444        $1,198                   2.70
  $ 25001 -  30000                 $27,547        $1,999                   2.72
  $ 30001 -  35000                 $32,575        $2,386                   2.95
  $ 35001 -  40000                 $37,625        $2,969                   3.65
  $ 40001 -  45000                 $42,465        $3,689                   3.68
  $ 45001 -  50000                 $47,765        $4,557                   3.84
  $ 50001 -  75000                 $60,625        $6,346                   3.44
  $ 75001 - 250000                 $99,297       $16,217                   2.71

                    ______________________________________________________________
  TOTAL                            $21,751        $1,684                   2.32
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      WEBER
                        _________________________________________________
  UNDER $1             277     $-3,689,123       $17,482     -0.47          470
  $     1  -  5000    9771     $25,289,173      $249,135      0.99         5298
  $  5001 -  10000    8376     $62,488,979    $1,740,254      2.78         9444
  $ 10001 -  15000    7969     $99,476,012    $4,515,504      4.54        12263
  $ 15001 -  20000    7331    $128,118,329    $7,716,382      6.02        13472
  $ 20001 -  25000    6314    $141,594,087   $10,084,327      7.12        13066
  $ 25001 -  30000    5480    $150,288,005   $11,786,187      7.84        12554
  $ 30001 -  35000    4734    $153,352,396   $12,996,120      8.47        11468
  $ 35001 -  40000    4274    $160,144,944   $14,489,015      9.05        11318
  $ 40001 -  45000    3911    $166,118,823   $15,461,997      9.31        11308
  $ 45001 -  50000    3383    $160,662,729   $15,254,228      9.49        10510
  $ 50001 -  75000   11330    $688,645,019   $71,840,212     10.43        38186
  $ 75001 - 100000    3825    $324,813,704   $43,330,178     13.34        12762
  $100001 - 250000    2208    $297,956,975   $52,420,609     17.59         7347
  OVER $250,000        346    $223,600,530   $61,917,865     27.69         1157

                    ______________________________________________________________
  TOTAL              79529  $2,778,860,582  $323,819,495     11.65       170623
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.3            -0.1           0.0                    0.3
  $     1  -  5000    12.3             0.9           0.1                    3.1
  $  5001 -  10000    10.5             2.2           0.5                    5.5
  $ 10001 -  15000    10.0             3.6           1.4                    7.2
  $ 15001 -  20000     9.2             4.6           2.4                    7.9
  $ 20001 -  25000     7.9             5.1           3.1                    7.7
  $ 25001 -  30000     6.9             5.4           3.6                    7.4
  $ 30001 -  35000     6.0             5.5           4.0                    6.7
  $ 35001 -  40000     5.4             5.8           4.5                    6.6
  $ 40001 -  45000     4.9             6.0           4.8                    6.6
  $ 45001 -  50000     4.3             5.8           4.7                    6.2
  $ 50001 -  75000    14.2            24.8          22.2                   22.4
  $ 75001 - 100000     4.8            11.7          13.4                    7.5
  $100001 - 250000     2.8            10.7          16.2                    4.3
  OVER $250,000        0.4             8.0          19.1                    0.7

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-13,318           $63                   1.70
  $     1  -  5000                  $2,588           $25                   0.54
  $  5001 -  10000                  $7,460          $208                   1.13
  $ 10001 -  15000                 $12,483          $567                   1.54
  $ 15001 -  20000                 $17,476        $1,053                   1.84
  $ 20001 -  25000                 $22,425        $1,597                   2.07
  $ 25001 -  30000                 $27,425        $2,151                   2.29
  $ 30001 -  35000                 $32,394        $2,745                   2.42
  $ 35001 -  40000                 $37,470        $3,390                   2.65
  $ 40001 -  45000                 $42,475        $3,953                   2.89
  $ 45001 -  50000                 $47,491        $4,509                   3.11
  $ 50001 -  75000                 $60,781        $6,341                   3.37
  $ 75001 - 100000                 $84,919       $11,328                   3.34
  $100001 - 250000                $134,944       $23,741                   3.33
  OVER $250,000                   $646,244      $178,953                   3.34

                    ______________________________________________________________
  TOTAL                            $34,941        $4,072                   2.15
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      PRIOR YEAR
                        _________________________________________________
  UNDER $1            1749    $-97,602,030      $479,953     -0.49         4146
  $     1  -  5000    4876     $11,841,120      $230,201      1.94         4605
  $  5001 -  10000    3857     $28,601,477      $816,540      2.85         6373
  $ 10001 -  15000    3294     $41,082,775    $1,538,972      3.75         7266
  $ 15001 -  20000    3062     $53,373,423    $2,755,004      5.16         7578
  $ 20001 -  25000    2642     $59,410,908    $3,527,981      5.94         7194
  $ 25001 -  30000    2559     $70,227,229    $4,555,953      6.49         7842
  $ 30001 -  35000    2205     $71,562,699    $5,157,315      7.21         7187
  $ 35001 -  40000    1894     $71,007,490    $5,530,072      7.79         6538
  $ 40001 -  45000    1770     $75,110,118    $6,326,264      8.42         6271
  $ 45001 -  50000    1506     $71,409,196    $6,199,917      8.68         5580
  $ 50001 -  75000    5214    $317,687,404   $31,720,154      9.98        19859
  $ 75001 - 100000    2487    $214,028,309   $26,721,311     12.48         9864
  $100001 - 250000    3358    $497,721,127   $86,645,764     17.41        13655
  OVER $250,000       1232  $1,231,547,480  $321,506,787     26.11         4868

                    ______________________________________________________________
  TOTAL              41705  $2,717,008,725  $503,712,188     18.54       118826
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             4.2            -3.6           0.1                    3.5
  $     1  -  5000    11.7             0.4           0.0                    3.9
  $  5001 -  10000     9.2             1.1           0.2                    5.4
  $ 10001 -  15000     7.9             1.5           0.3                    6.1
  $ 15001 -  20000     7.3             2.0           0.5                    6.4
  $ 20001 -  25000     6.3             2.2           0.7                    6.1
  $ 25001 -  30000     6.1             2.6           0.9                    6.6
  $ 30001 -  35000     5.3             2.6           1.0                    6.0
  $ 35001 -  40000     4.5             2.6           1.1                    5.5
  $ 40001 -  45000     4.2             2.8           1.3                    5.3
  $ 45001 -  50000     3.6             2.6           1.2                    4.7
  $ 50001 -  75000    12.5            11.7           6.3                   16.7
  $ 75001 - 100000     6.0             7.9           5.3                    8.3
  $100001 - 250000     8.1            18.3          17.2                   11.5
  OVER $250,000        3.0            45.3          63.8                    4.1

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-55,804          $274                   2.37
  $     1  -  5000                  $2,428           $47                   0.94
  $  5001 -  10000                  $7,415          $212                   1.65
  $ 10001 -  15000                 $12,472          $467                   2.21
  $ 15001 -  20000                 $17,431          $900                   2.47
  $ 20001 -  25000                 $22,487        $1,335                   2.72
  $ 25001 -  30000                 $27,443        $1,780                   3.06
  $ 30001 -  35000                 $32,455        $2,339                   3.26
  $ 35001 -  40000                 $37,491        $2,920                   3.45
  $ 40001 -  45000                 $42,435        $3,574                   3.54
  $ 45001 -  50000                 $47,416        $4,117                   3.71
  $ 50001 -  75000                 $60,930        $6,084                   3.81
  $ 75001 - 100000                 $86,059       $10,744                   3.97
  $100001 - 250000                $148,220       $25,803                   4.07
  OVER $250,000                   $999,633      $260,963                   3.95

                    ______________________________________________________________
  TOTAL                            $65,148       $12,078                   2.85
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION




****************************SUMMARY OF 1997 INDIVIDUAL INCOME TAX RETURNS**************
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *
***************************************************************************************
 GO TO TOC      STATE OF UTAH
                        _________________________________________________
  UNDER $1            6322   $-250,267,088    $1,155,892     -0.46        13114
  $     1  -  5000  116545    $304,058,452    $3,292,743      1.08        57076
  $  5001 -  10000   97089    $720,123,790   $21,367,506      2.97       105872
  $ 10001 -  15000   85939  $1,072,532,967   $49,741,113      4.64       137224
  $ 15001 -  20000   79050  $1,378,955,960   $81,965,008      5.94       150182
  $ 20001 -  25000   65401  $1,466,320,495  $102,070,624      6.96       141000
  $ 25001 -  30000   55398  $1,520,088,386  $115,370,739      7.59       133954
  $ 30001 -  35000   48758  $1,582,375,056  $128,219,462      8.10       129184
  $ 35001 -  40000   44470  $1,665,953,991  $142,484,360      8.55       129490
  $ 40001 -  45000   39925  $1,694,880,743  $150,866,992      8.90       124430
  $ 45001 -  50000   34950  $1,658,827,352  $152,093,655      9.17       115294
  $ 50001 -  75000  114361  $6,942,020,865  $702,890,826     10.13       401084
  $ 75001 - 100000   41850  $3,569,327,991  $454,847,059     12.74       150311
  $100001 - 250000   32098  $4,494,815,439  $775,931,226     17.26       116675
  OVER $250,000       6237  $4,316,373,265   $1226187467     28.41        22253

                    ______________________________________________________________
  TOTAL             868393 $32,136,387,664$4,108,484,672     12.78      1927143
                    ______________________________________________________________
                                   B. PERCENTAGE DISTRIBUTION
  UNDER $1             0.7            -0.8           0.0                    0.7
  $     1  -  5000    13.4             0.9           0.1                    3.0
  $  5001 -  10000    11.2             2.2           0.5                    5.5
  $ 10001 -  15000     9.9             3.3           1.2                    7.1
  $ 15001 -  20000     9.1             4.3           2.0                    7.8
  $ 20001 -  25000     7.5             4.6           2.5                    7.3
  $ 25001 -  30000     6.4             4.7           2.8                    7.0
  $ 30001 -  35000     5.6             4.9           3.1                    6.7
  $ 35001 -  40000     5.1             5.2           3.5                    6.7
  $ 40001 -  45000     4.6             5.3           3.7                    6.5
  $ 45001 -  50000     4.0             5.2           3.7                    6.0
  $ 50001 -  75000    13.2            21.6          17.1                   20.8
  $ 75001 - 100000     4.8            11.1          11.1                    7.8
  $100001 - 250000     3.7            14.0          18.9                    6.1
  OVER $250,000        0.7            13.4          29.8                    1.2

                    ______________________________________________________________
  TOTAL              100.0           100.0         100.0                  100.0
                    ______________________________________________________________
                                   C. AVERAGE PER RETURN
  UNDER $1                        $-39,587          $183                   2.07
  $     1  -  5000                  $2,609           $28                   0.49
  $  5001 -  10000                  $7,417          $220                   1.09
  $ 10001 -  15000                 $12,480          $579                   1.60
  $ 15001 -  20000                 $17,444        $1,037                   1.90
  $ 20001 -  25000                 $22,420        $1,561                   2.16
  $ 25001 -  30000                 $27,439        $2,083                   2.42
  $ 30001 -  35000                 $32,454        $2,630                   2.65
  $ 35001 -  40000                 $37,462        $3,204                   2.91
  $ 40001 -  45000                 $42,452        $3,779                   3.12
  $ 45001 -  50000                 $47,463        $4,352                   3.30
  $ 50001 -  75000                 $60,703        $6,146                   3.51
  $ 75001 - 100000                 $85,289       $10,869                   3.59
  $100001 - 250000                $140,034       $24,174                   3.63
  OVER $250,000                   $692,059      $196,599                   3.57

                    ______________________________________________________________
  TOTAL                            $37,007        $4,731                   2.22
                    ______________________________________________________________
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS
          ## EXCLUDES OLD AGE AND BLIND EXEMPTIONS, PROXY FOR POPULATION