TABLE OF CONTENTS (TOC)                                                           
CITY                                                                                                
                                                                                                    
ALPINE UT                                                                  
AMERICAN FORK UT                                                    
BEAVER UT                                                                  
BLANDING UT                                                              
BLUFFDALE UT                                                            
BOUNTIFUL UT                                                            
BRIGHAM CITY UT                                                      
CEDAR CITY UT                                                          
CEDAR HILLS UT                                                        
CENTERVILLE UT                                                        
CLEARFIELD UT                                                          
CLINTON UT                                                                
COALVILLE UT                                                            
DELTA UT                                                                    
DRAPER UT                                                                  
DUCHESNE UT                                                              
EDEN UT                                                                      
EPHRAIM UT                                                                
FAIRVIEW UT                                                              
FARMINGTON UT                                                          
FILLMORE UT                                                              
FRUIT HEIGHTS UT                                                    
GARLAND UT                                                                
GRANTSVILLE                                                              
HEBER CITY UT                                                          
HELPER UT                                                                  
HERRIMAN UT                                                              
HIGHLAND UT                                                              
HILL AFB UT                                                              
HOLLADAY UT                                                              
HOOPER UT                                                                  
HUNTINGTON UT                                                          
HUNTSVILLE UT                                                          
HURRICANE UT                                                            
HYDE PARK UT                                                            
HYRUM UT                                                                    
IVINS UT                                                                    
KAMAS UT                                                                    
KANAB UT                                                                    
KAYSVILLE UT                                                            
KEARNS UT                                                                  
LAVERKIN UT                                                              
LAYTON UT                                                                  
LEHI UT                                                                      
LINDON UT                                                                  
LOGAN UT                                                                    
MAGNA UT                                                                    
MANTI UT                                                                    
MAPLETON UT                                                              
MIDVALE UT                                                                
MIDWAY UT                                                                  
MOAB UT                                                                      
MONROE UT                                                                  
MONTICELLO UT                                                          
MORGAN UT                                                                  
MOUNT PLEASANT UT                                                  
MURRAY UT                                                                  
NEPHI UT                                                                    
NORTH LOGAN UT                                                        
NORTH SALT LAKE UT                                                
OGDEN UT                                                                    
OREM UT                                                                      
OTHER TOWNS                                                              
PANGIUTCH UT                                                            
PARK CITY UT                                                            
PAROWAN UT                                                                
PAYSON UT                                                                  
PERRY UT                                                                    
PLEASANT GROVE UT                                                  
PRICE UT                                                                    
PROVIDENCE UT                                                          
PROVO UT                                                                    
RICHFIELD UT                                                            
RICHMOND UT                                                              
RIVERDALE UT                                                            
RIVERTON UT                                                              
ROOSEVELT UT                                                            
ROY UT                                                                        
SALEM UT                                                                    
SALINA UT                                                                  
SALT LAKE CITY UT                                                  
SANDY UT                                                                    
SANTA CLARA UT                                                        
SANTAQUIN UT                                                            
SMITHFIELD UT                                                          
SOUTH JORDAN UT                                                      
SOUTH SALT LAKE UT                                                
SOUTH WEBER UT                                                        
SPANISH FORK UT                                                      
SPRINGVILLE UT                                                        
ST GEORGE UT                                                            
STANSBURY PARK UT                                                  
SUNSET UT                                                                  
SYRACUSE UT                                                              
TAYLORSVILLE UT                                                      
TOOELE UT                                                                  
TREMONTON UT                                                            
VERNAL UT                                                                  
WASHINGTON UT                                                          
WELLINGTON UT                                                          
WELLSVILLE UT                                                          
WENDOVER UT                                                              
WEST BOUNTIFUL UT                                                  
WEST JORDAN UT                                                        
WEST POINT UT                                                          
WEST VALLEY UT                                                        
WILLARD UT                                                                
WOODS CROSS UT                                                        
                                                                            
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   ALPINE UT                                                        
                        _________________________________________________                           
  UNDER $1               24    $-1,337,885            $0      0.00          52                      
  $     1  -  5000      452     $1,128,779       $18,376      1.63          84                      
  $  5001 -  10000      291     $2,091,071       $74,460      3.56         189                      
  $ 10001 -  15000      190     $2,352,837      $118,728      5.05         230                      
  $ 15001 -  20000      118     $2,025,941      $107,830      5.32         198                      
  $ 20001 -  25000       73     $1,623,094       $89,611      5.52         143                      
  $ 25001 -  30000       68     $1,849,051      $107,472      5.81         181                      
  $ 30001 -  35000       61     $2,000,015      $110,282      5.51         167                      
  $ 35001 -  40000       66     $2,460,209      $142,247      5.78         203                      
  $ 40001 -  45000       94     $4,005,557      $237,926      5.94         337                      
  $ 45001 -  50000       64     $3,036,011      $154,364      5.08         252                      
  $ 50001 -  75000      295    $18,164,461    $1,275,177      7.02       1,180                      
  $ 75001 - 100000      211    $18,274,408    $1,647,449      9.02         902                      
  $100001 - 250000      349    $51,412,305    $7,556,380     14.70       1,659                      
  OVER $250,000          93    $61,213,915   $17,729,640     28.96         400                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,449    $170,299,769   $29,369,942     17.25        6,177                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.0            -0.8           0.0                    0.8                     
  $     1  -  5000    18.5             0.7           0.1                    1.4                     
  $  5001 -  10000    11.9             1.2           0.3                    3.1                     
  $ 10001 -  15000     7.8             1.4           0.4                    3.7                     
  $ 15001 -  20000     4.8             1.2           0.4                    3.2                     
  $ 20001 -  25000     3.0             1.0           0.3                    2.3                     
  $ 25001 -  30000     2.8             1.1           0.4                    2.9                     
  $ 30001 -  35000     2.5             1.2           0.4                    2.7                     
  $ 35001 -  40000     2.7             1.4           0.5                    3.3                     
  $ 40001 -  45000     3.8             2.4           0.8                    5.5                     
  $ 45001 -  50000     2.6             1.8           0.5                    4.1                     
  $ 50001 -  75000    12.0            10.7           4.3                   19.1                     
  $ 75001 - 100000     8.6            10.7           5.6                   14.6                     
  $100001 - 250000    14.3            30.2          25.7                   26.9                     
  OVER $250,000        3.8            35.9          60.4                    6.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-55,745            $0                   2.17                     
  $     1  -  5000                  $2,497           $41                   0.19                     
  $  5001 -  10000                  $7,186          $256                   0.65                     
  $ 10001 -  15000                 $12,383          $625                   1.21                     
  $ 15001 -  20000                 $17,169          $914                   1.68                     
  $ 20001 -  25000                 $22,234        $1,228                   1.96                     
  $ 25001 -  30000                 $27,192        $1,580                   2.66                     
  $ 30001 -  35000                 $32,787        $1,808                   2.74                     
  $ 35001 -  40000                 $37,276        $2,155                   3.08                     
  $ 40001 -  45000                 $42,612        $2,531                   3.59                     
  $ 45001 -  50000                 $47,438        $2,412                   3.94                     
  $ 50001 -  75000                 $61,574        $4,323                   4.00                     
  $ 75001 - 100000                 $86,609        $7,808                   4.27                     
  $100001 - 250000                $147,313       $21,652                   4.75                     
  OVER $250,000                   $658,214      $190,641                   4.30                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $69,538       $11,993                   2.52                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                     
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   AMERICAN FORK UT                                                 
                        _________________________________________________                           
  UNDER $1               38      $-997,961        $3,193     -0.32          94                      
  $     1  -  5000      981     $2,576,795       $15,961      0.62         356                      
  $  5001 -  10000      894     $6,592,098      $199,839      3.03         798                      
  $ 10001 -  15000      746     $9,329,551      $393,549      4.22       1,035                      
  $ 15001 -  20000      654    $11,429,230      $553,470      4.84       1,220                      
  $ 20001 -  25000      553    $12,415,509      $709,449      5.71       1,219                      
  $ 25001 -  30000      488    $13,393,023      $777,187      5.80       1,269                      
  $ 30001 -  35000      416    $13,497,785      $782,042      5.79       1,209                      
  $ 35001 -  40000      438    $16,411,287      $983,233      5.99       1,446                      
  $ 40001 -  45000      429    $18,185,142    $1,173,006      6.45       1,472                      
  $ 45001 -  50000      367    $17,429,050    $1,172,902      6.73       1,311                      
  $ 50001 -  75000    1,464    $88,853,977    $6,670,722      7.51       5,701                      
  $ 75001 - 100000      552    $47,224,704    $4,752,181     10.06       2,356                      
  $100001 - 250000      342    $46,068,289    $6,934,931     15.05       1,467                      
  OVER $250,000          41    $17,298,189    $4,094,779     23.67         135                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,403    $319,706,668   $29,216,444      9.14       21,088                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.5            -0.3           0.0                    0.4                     
  $     1  -  5000    11.7             0.8           0.1                    1.7                     
  $  5001 -  10000    10.6             2.1           0.7                    3.8                     
  $ 10001 -  15000     8.9             2.9           1.3                    4.9                     
  $ 15001 -  20000     7.8             3.6           1.9                    5.8                     
  $ 20001 -  25000     6.6             3.9           2.4                    5.8                     
  $ 25001 -  30000     5.8             4.2           2.7                    6.0                     
  $ 30001 -  35000     5.0             4.2           2.7                    5.7                     
  $ 35001 -  40000     5.2             5.1           3.4                    6.9                     
  $ 40001 -  45000     5.1             5.7           4.0                    7.0                     
  $ 45001 -  50000     4.4             5.5           4.0                    6.2                     
  $ 50001 -  75000    17.4            27.8          22.8                   27.0                     
  $ 75001 - 100000     6.6            14.8          16.3                   11.2                     
  $100001 - 250000     4.1            14.4          23.7                    7.0                     
  OVER $250,000        0.5             5.4          14.0                    0.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-26,262           $84                   2.47                     
  $     1  -  5000                  $2,627           $16                   0.36                     
  $  5001 -  10000                  $7,374          $224                   0.89                     
  $ 10001 -  15000                 $12,506          $528                   1.39                     
  $ 15001 -  20000                 $17,476          $846                   1.87                     
  $ 20001 -  25000                 $22,451        $1,283                   2.20                     
  $ 25001 -  30000                 $27,445        $1,593                   2.60                     
  $ 30001 -  35000                 $32,447        $1,880                   2.91                     
  $ 35001 -  40000                 $37,469        $2,245                   3.30                     
  $ 40001 -  45000                 $42,390        $2,734                   3.43                     
  $ 45001 -  50000                 $47,491        $3,196                   3.57                     
  $ 50001 -  75000                 $60,693        $4,557                   3.89                     
  $ 75001 - 100000                 $85,552        $8,609                   4.27                     
  $100001 - 250000                $134,703       $20,278                   4.29                     
  OVER $250,000                   $421,907       $99,873                   3.29                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $38,047        $3,477                   2.51                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   BEAVER UT                                                        
                        _________________________________________________                           
  UNDER $1               21    $-1,285,067        $2,658     -0.21          38                      
  $     1  -  5000      183       $509,190        $3,471      0.68          82                      
  $  5001 -  10000      152     $1,115,216       $28,068      2.52         177                      
  $ 10001 -  15000      152     $1,889,574       $60,767      3.22         267                      
  $ 15001 -  20000      133     $2,330,236       $95,696      4.11         275                      
  $ 20001 -  25000      105     $2,348,148      $116,920      4.98         257                      
  $ 25001 -  30000       83     $2,271,515      $121,995      5.37         235                      
  $ 30001 -  35000       76     $2,449,895      $137,359      5.61         239                      
  $ 35001 -  40000       66     $2,469,566      $139,511      5.65         235                      
  $ 40001 -  45000       57     $2,400,872      $169,366      7.05         193                      
  $ 45001 -  50000       38     $1,804,726      $142,248      7.88         127                      
  $ 50001 -  75000      144     $8,798,276      $728,066      8.28         567                      
  $ 75001 - 100000       39     $3,292,589      $385,088     11.70         133                      
  OVER $100,000          17     $2,388,329      $422,651     17.70          60                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,266     $32,783,065    $2,553,864      7.79        2,885                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.7            -3.9           0.1                    1.3                     
  $     1  -  5000    14.5             1.6           0.1                    2.8                     
  $  5001 -  10000    12.0             3.4           1.1                    6.1                     
  $ 10001 -  15000    12.0             5.8           2.4                    9.3                     
  $ 15001 -  20000    10.5             7.1           3.7                    9.5                     
  $ 20001 -  25000     8.3             7.2           4.6                    8.9                     
  $ 25001 -  30000     6.6             6.9           4.8                    8.1                     
  $ 30001 -  35000     6.0             7.5           5.4                    8.3                     
  $ 35001 -  40000     5.2             7.5           5.5                    8.1                     
  $ 40001 -  45000     4.5             7.3           6.6                    6.7                     
  $ 45001 -  50000     3.0             5.5           5.6                    4.4                     
  $ 50001 -  75000    11.4            26.8          28.5                   19.7                     
  $ 75001 - 100000     3.1            10.0          15.1                    4.6                     
  OVER $100,000        1.3             7.3          16.5                    2.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-61,194          $127                   1.81                     
  $     1  -  5000                  $2,782           $19                   0.45                     
  $  5001 -  10000                  $7,337          $185                   1.16                     
  $ 10001 -  15000                 $12,431          $400                   1.76                     
  $ 15001 -  20000                 $17,521          $720                   2.07                     
  $ 20001 -  25000                 $22,363        $1,114                   2.45                     
  $ 25001 -  30000                 $27,368        $1,470                   2.83                     
  $ 30001 -  35000                 $32,235        $1,807                   3.14                     
  $ 35001 -  40000                 $37,418        $2,114                   3.56                     
  $ 40001 -  45000                 $42,121        $2,971                   3.39                     
  $ 45001 -  50000                 $47,493        $3,743                   3.34                     
  $ 50001 -  75000                 $61,099        $5,056                   3.94                     
  $ 75001 - 100000                 $84,425        $9,874                   3.41                     
  OVER $100,000                   $140,490       $24,862                   3.53                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $25,895        $2,017                   2.28                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   BLANDING UT                                                      
                        _________________________________________________                           
  UNDER $1               10      $-733,427            $0      0.00          16                      
  $     1  -  5000      217       $560,705        $1,382      0.25         131                      
  $  5001 -  10000      157     $1,148,917       $21,517      1.87         227                      
  $ 10001 -  15000      132     $1,649,705       $43,785      2.65         290                      
  $ 15001 -  20000       88     $1,519,542       $46,731      3.08         229                      
  $ 20001 -  25000       82     $1,872,091       $74,355      3.97         241                      
  $ 25001 -  30000       91     $2,490,449      $112,132      4.50         321                      
  $ 30001 -  35000       57     $1,833,127       $84,002      4.58         199                      
  $ 35001 -  40000       72     $2,691,560      $151,994      5.65         257                      
  $ 40001 -  45000       60     $2,555,015      $158,482      6.20         229                      
  $ 45001 -  50000       56     $2,673,773      $184,344      6.89         212                      
  $ 50001 -  75000      163     $9,731,495      $788,945      8.11         666                      
  $ 75001 - 100000       38     $3,343,404      $382,862     11.45         148                      
  OVER $100,000          33     $7,205,554    $1,857,082     25.77          93                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,256     $38,541,910    $3,907,613     10.14        3,259                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -1.9           0.0                    0.5                     
  $     1  -  5000    17.3             1.5           0.0                    4.0                     
  $  5001 -  10000    12.5             3.0           0.6                    7.0                     
  $ 10001 -  15000    10.5             4.3           1.1                    8.9                     
  $ 15001 -  20000     7.0             3.9           1.2                    7.0                     
  $ 20001 -  25000     6.5             4.9           1.9                    7.4                     
  $ 25001 -  30000     7.2             6.5           2.9                    9.8                     
  $ 30001 -  35000     4.5             4.8           2.1                    6.1                     
  $ 35001 -  40000     5.7             7.0           3.9                    7.9                     
  $ 40001 -  45000     4.8             6.6           4.1                    7.0                     
  $ 45001 -  50000     4.5             6.9           4.7                    6.5                     
  $ 50001 -  75000    13.0            25.2          20.2                   20.4                     
  $ 75001 - 100000     3.0             8.7           9.8                    4.5                     
  OVER $100,000        2.6            18.7          47.5                    2.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-73,343            $0                   1.60                     
  $     1  -  5000                  $2,584            $6                   0.60                     
  $  5001 -  10000                  $7,318          $137                   1.45                     
  $ 10001 -  15000                 $12,498          $332                   2.20                     
  $ 15001 -  20000                 $17,268          $531                   2.60                     
  $ 20001 -  25000                 $22,830          $907                   2.94                     
  $ 25001 -  30000                 $27,368        $1,232                   3.53                     
  $ 30001 -  35000                 $32,160        $1,474                   3.49                     
  $ 35001 -  40000                 $37,383        $2,111                   3.57                     
  $ 40001 -  45000                 $42,584        $2,641                   3.82                     
  $ 45001 -  50000                 $47,746        $3,292                   3.79                     
  $ 50001 -  75000                 $59,702        $4,840                   4.09                     
  $ 75001 - 100000                 $87,984       $10,075                   3.89                     
  OVER $100,000                   $218,350       $56,275                   2.82                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,686        $3,111                   2.59                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   BLUFFDALE UT                                                     
                        _________________________________________________                           
  UNDER $1               10      $-142,303        $1,585     -1.11          24                      
  $     1  -  5000      225       $615,652        $3,931      0.64          87                      
  $  5001 -  10000      168     $1,230,097       $48,426      3.94         114                      
  $ 10001 -  15000      130     $1,596,403       $71,405      4.47         183                      
  $ 15001 -  20000       87     $1,519,812       $96,130      6.33         138                      
  $ 20001 -  25000       92     $2,054,109      $119,031      5.79         189                      
  $ 25001 -  30000       73     $1,990,792      $109,936      5.52         203                      
  $ 30001 -  35000       49     $1,608,405      $111,541      6.93         117                      
  $ 35001 -  40000       56     $2,102,359      $109,166      5.19         205                      
  $ 40001 -  45000       53     $2,218,840      $183,259      8.26         144                      
  $ 45001 -  50000       54     $2,565,870      $142,219      5.54         227                      
  $ 50001 -  75000      259    $16,148,893    $1,068,306      6.62       1,110                      
  $ 75001 - 100000      150    $12,916,888    $1,309,566     10.14         604                      
  $100001 - 250000      116    $15,746,739    $2,417,122     15.35         468                      
  OVER $250,000          17    $12,148,698    $2,729,271     22.47          71                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,539     $74,321,254    $8,520,894     11.46        3,884                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.6            -0.2           0.0                    0.6                     
  $     1  -  5000    14.6             0.8           0.0                    2.2                     
  $  5001 -  10000    10.9             1.7           0.6                    2.9                     
  $ 10001 -  15000     8.4             2.1           0.8                    4.7                     
  $ 15001 -  20000     5.7             2.0           1.1                    3.6                     
  $ 20001 -  25000     6.0             2.8           1.4                    4.9                     
  $ 25001 -  30000     4.7             2.7           1.3                    5.2                     
  $ 30001 -  35000     3.2             2.2           1.3                    3.0                     
  $ 35001 -  40000     3.6             2.8           1.3                    5.3                     
  $ 40001 -  45000     3.4             3.0           2.2                    3.7                     
  $ 45001 -  50000     3.5             3.5           1.7                    5.8                     
  $ 50001 -  75000    16.8            21.7          12.5                   28.6                     
  $ 75001 - 100000     9.7            17.4          15.4                   15.6                     
  $100001 - 250000     7.5            21.2          28.4                   12.0                     
  OVER $250,000        1.1            16.3          32.0                    1.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-14,230          $159                   2.40                     
  $     1  -  5000                  $2,736           $17                   0.39                     
  $  5001 -  10000                  $7,322          $288                   0.68                     
  $ 10001 -  15000                 $12,280          $549                   1.41                     
  $ 15001 -  20000                 $17,469        $1,105                   1.59                     
  $ 20001 -  25000                 $22,327        $1,294                   2.05                     
  $ 25001 -  30000                 $27,271        $1,506                   2.78                     
  $ 30001 -  35000                 $32,825        $2,276                   2.39                     
  $ 35001 -  40000                 $37,542        $1,949                   3.66                     
  $ 40001 -  45000                 $41,865        $3,458                   2.72                     
  $ 45001 -  50000                 $47,516        $2,634                   4.20                     
  $ 50001 -  75000                 $62,351        $4,125                   4.29                     
  $ 75001 - 100000                 $86,113        $8,730                   4.03                     
  $100001 - 250000                $135,748       $20,837                   4.03                     
  OVER $250,000                   $714,629      $160,545                   4.18                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $48,292        $5,537                   2.52                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   BOUNTIFUL UT                                                     
                        _________________________________________________                           
  UNDER $1               74    $-6,425,798       $16,097     -0.25         155                      
  $     1  -  5000    2,386     $6,203,926       $71,044      1.15         708                      
  $  5001 -  10000    1,785    $13,211,883      $441,417      3.34       1,379                      
  $ 10001 -  15000    1,491    $18,556,766      $870,124      4.69       1,871                      
  $ 15001 -  20000    1,459    $25,464,036    $1,376,134      5.40       2,351                      
  $ 20001 -  25000    1,305    $29,320,915    $1,908,239      6.51       2,367                      
  $ 25001 -  30000    1,066    $29,262,252    $2,075,917      7.09       2,143                      
  $ 30001 -  35000    1,009    $32,702,281    $2,439,639      7.46       2,206                      
  $ 35001 -  40000      916    $34,286,646    $2,707,198      7.90       2,195                      
  $ 40001 -  45000      824    $35,000,311    $2,958,013      8.45       2,099                      
  $ 45001 -  50000      697    $33,124,576    $2,719,184      8.21       2,041                      
  $ 50001 -  75000    2,726   $167,814,547   $15,551,684      9.27       8,560                      
  $ 75001 - 100000    1,398   $119,713,370   $13,732,055     11.47       4,765                      
  $100001 - 250000    1,341   $190,030,591   $31,517,352     16.59       4,683                      
  OVER $250,000         274   $156,594,186   $40,233,241     25.69         959                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             18,751    $884,860,488  $118,617,338     13.41       38,482                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.7           0.0                    0.4                     
  $     1  -  5000    12.7             0.7           0.1                    1.8                     
  $  5001 -  10000     9.5             1.5           0.4                    3.6                     
  $ 10001 -  15000     8.0             2.1           0.7                    4.9                     
  $ 15001 -  20000     7.8             2.9           1.2                    6.1                     
  $ 20001 -  25000     7.0             3.3           1.6                    6.2                     
  $ 25001 -  30000     5.7             3.3           1.8                    5.6                     
  $ 30001 -  35000     5.4             3.7           2.1                    5.7                     
  $ 35001 -  40000     4.9             3.9           2.3                    5.7                     
  $ 40001 -  45000     4.4             4.0           2.5                    5.5                     
  $ 45001 -  50000     3.7             3.7           2.3                    5.3                     
  $ 50001 -  75000    14.5            19.0          13.1                   22.2                     
  $ 75001 - 100000     7.5            13.5          11.6                   12.4                     
  $100001 - 250000     7.2            21.5          26.6                   12.2                     
  OVER $250,000        1.5            17.7          33.9                    2.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-86,835          $218                   2.09                     
  $     1  -  5000                  $2,600           $30                   0.30                     
  $  5001 -  10000                  $7,402          $247                   0.77                     
  $ 10001 -  15000                 $12,446          $584                   1.25                     
  $ 15001 -  20000                 $17,453          $943                   1.61                     
  $ 20001 -  25000                 $22,468        $1,462                   1.81                     
  $ 25001 -  30000                 $27,451        $1,947                   2.01                     
  $ 30001 -  35000                 $32,411        $2,418                   2.19                     
  $ 35001 -  40000                 $37,431        $2,955                   2.40                     
  $ 40001 -  45000                 $42,476        $3,590                   2.55                     
  $ 45001 -  50000                 $47,524        $3,901                   2.93                     
  $ 50001 -  75000                 $61,561        $5,705                   3.14                     
  $ 75001 - 100000                 $85,632        $9,823                   3.41                     
  $100001 - 250000                $141,708       $23,503                   3.49                     
  OVER $250,000                   $571,512      $146,837                   3.50                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $47,190        $6,326                   2.05                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                      
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   BRIGHAM CITY UT                                                  
                        _________________________________________________                           
  UNDER $1               27      $-990,038            $0      0.00          67                      
  $     1  -  5000      998     $2,677,695       $16,429      0.61         372                      
  $  5001 -  10000      756     $5,590,797      $163,968      2.93         713                      
  $ 10001 -  15000      605     $7,542,297      $317,376      4.21         878                      
  $ 15001 -  20000      624    $10,852,279      $520,081      4.79       1,191                      
  $ 20001 -  25000      615    $13,774,370      $816,781      5.93       1,291                      
  $ 25001 -  30000      501    $13,687,030      $957,815      7.00       1,107                      
  $ 30001 -  35000      471    $15,262,348    $1,044,083      6.84       1,237                      
  $ 35001 -  40000      398    $14,924,630    $1,084,505      7.27       1,139                      
  $ 40001 -  45000      401    $16,989,033    $1,241,578      7.31       1,279                      
  $ 45001 -  50000      349    $16,565,254    $1,227,118      7.41       1,221                      
  $ 50001 -  75000    1,236    $75,537,550    $6,619,647      8.76       4,521                      
  $ 75001 - 100000      415    $35,407,935    $4,121,627     11.64       1,585                      
  $100001 - 250000      222    $30,869,988    $5,348,547     17.33         726                      
  OVER $250,000          18    $10,002,255    $2,554,291     25.54          57                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              7,636    $268,693,423   $26,033,846      9.69       17,384                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.4           0.0                    0.4                     
  $     1  -  5000    13.1             1.0           0.1                    2.1                     
  $  5001 -  10000     9.9             2.1           0.6                    4.1                     
  $ 10001 -  15000     7.9             2.8           1.2                    5.1                     
  $ 15001 -  20000     8.2             4.0           2.0                    6.9                     
  $ 20001 -  25000     8.1             5.1           3.1                    7.4                     
  $ 25001 -  30000     6.6             5.1           3.7                    6.4                     
  $ 30001 -  35000     6.2             5.7           4.0                    7.1                     
  $ 35001 -  40000     5.2             5.6           4.2                    6.6                     
  $ 40001 -  45000     5.3             6.3           4.8                    7.4                     
  $ 45001 -  50000     4.6             6.2           4.7                    7.0                     
  $ 50001 -  75000    16.2            28.1          25.4                   26.0                     
  $ 75001 - 100000     5.4            13.2          15.8                    9.1                     
  $100001 - 250000     2.9            11.5          20.5                    4.2                     
  OVER $250,000        0.2             3.7           9.8                    0.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-36,668            $0                   2.48                     
  $     1  -  5000                  $2,683           $16                   0.37                     
  $  5001 -  10000                  $7,395          $217                   0.94                     
  $ 10001 -  15000                 $12,467          $525                   1.45                     
  $ 15001 -  20000                 $17,391          $833                   1.91                     
  $ 20001 -  25000                 $22,397        $1,328                   2.10                     
  $ 25001 -  30000                 $27,319        $1,912                   2.21                     
  $ 30001 -  35000                 $32,404        $2,217                   2.63                     
  $ 35001 -  40000                 $37,499        $2,725                   2.86                     
  $ 40001 -  45000                 $42,367        $3,096                   3.19                     
  $ 45001 -  50000                 $47,465        $3,516                   3.50                     
  $ 50001 -  75000                 $61,115        $5,356                   3.66                     
  $ 75001 - 100000                 $85,320        $9,932                   3.82                     
  $100001 - 250000                $139,054       $24,093                   3.27                     
  OVER $250,000                   $555,681      $141,905                   3.17                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $35,188        $3,409                   2.28                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   CEDAR CITY UT                                                    
                        _________________________________________________                           
  UNDER $1               77    $-1,953,817       $12,082     -0.62         184                      
  $     1  -  5000    1,299     $3,529,136       $16,301      0.46         758                      
  $  5001 -  10000    1,364    $10,110,310      $228,250      2.26       1,722                      
  $ 10001 -  15000    1,060    $13,136,536      $431,104      3.28       1,895                      
  $ 15001 -  20000      930    $16,285,912      $642,376      3.94       2,033                      
  $ 20001 -  25000      723    $16,258,866      $771,467      4.74       1,762                      
  $ 25001 -  30000      613    $16,831,885      $887,706      5.27       1,687                      
  $ 30001 -  35000      470    $15,250,951      $886,013      5.81       1,394                      
  $ 35001 -  40000      473    $17,742,091    $1,139,941      6.43       1,487                      
  $ 40001 -  45000      421    $17,889,491    $1,309,136      7.32       1,305                      
  $ 45001 -  50000      306    $14,538,760    $1,055,468      7.26       1,058                      
  $ 50001 -  75000    1,091    $66,094,812    $5,889,574      8.91       3,727                      
  $ 75001 - 100000      373    $31,517,733    $3,625,258     11.50       1,290                      
  $100001 - 250000      204    $27,886,684    $4,686,859     16.81         753                      
  OVER $250,000          39    $21,576,968    $5,395,088     25.00         131                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              9,443    $286,696,318   $26,976,623      9.41       21,186                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -0.7           0.0                    0.9                     
  $     1  -  5000    13.8             1.2           0.1                    3.6                     
  $  5001 -  10000    14.4             3.5           0.8                    8.1                     
  $ 10001 -  15000    11.2             4.6           1.6                    8.9                     
  $ 15001 -  20000     9.8             5.7           2.4                    9.6                     
  $ 20001 -  25000     7.7             5.7           2.9                    8.3                     
  $ 25001 -  30000     6.5             5.9           3.3                    8.0                     
  $ 30001 -  35000     5.0             5.3           3.3                    6.6                     
  $ 35001 -  40000     5.0             6.2           4.2                    7.0                     
  $ 40001 -  45000     4.5             6.2           4.9                    6.2                     
  $ 45001 -  50000     3.2             5.1           3.9                    5.0                     
  $ 50001 -  75000    11.6            23.1          21.8                   17.6                     
  $ 75001 - 100000     4.0            11.0          13.4                    6.1                     
  $100001 - 250000     2.2             9.7          17.4                    3.6                     
  OVER $250,000        0.4             7.5          20.0                    0.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-25,374          $157                   2.39                     
  $     1  -  5000                  $2,717           $13                   0.58                     
  $  5001 -  10000                  $7,412          $167                   1.26                     
  $ 10001 -  15000                 $12,393          $407                   1.79                     
  $ 15001 -  20000                 $17,512          $691                   2.19                     
  $ 20001 -  25000                 $22,488        $1,067                   2.44                     
  $ 25001 -  30000                 $27,458        $1,448                   2.75                     
  $ 30001 -  35000                 $32,449        $1,885                   2.97                     
  $ 35001 -  40000                 $37,510        $2,410                   3.14                     
  $ 40001 -  45000                 $42,493        $3,110                   3.10                     
  $ 45001 -  50000                 $47,512        $3,449                   3.46                     
  $ 50001 -  75000                 $60,582        $5,398                   3.42                     
  $ 75001 - 100000                 $84,498        $9,719                   3.46                     
  $100001 - 250000                $136,699       $22,975                   3.69                     
  OVER $250,000                   $553,256      $138,336                   3.36                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,361        $2,857                   2.24                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   CEDAR HILLS UT                                                   
                        _________________________________________________                           
  UNDER $ 5,000         108      $-111,440        $1,319     -1.18          37                      
  $  5001 -  10000       76       $540,412       $20,714      3.83          52                      
  $ 10001 -  15000       34       $418,711       $14,039      3.35          53                      
  $ 15001 -  20000       35       $610,631       $24,520      4.02          85                      
  $ 20001 -  25000       23       $502,256       $27,799      5.53          50                      
  $ 25001 -  30000       17       $468,050       $21,837      4.67          45                      
  $ 30001 -  35000       30       $988,304       $45,016      4.55         104                      
  $ 35001 -  40000       38     $1,431,115       $53,504      3.74         155                      
  $ 40001 -  45000       30     $1,274,019       $72,676      5.70         111                      
  $ 45001 -  50000       40     $1,907,450       $94,241      4.94         168                      
  $ 50001 -  75000      195    $12,049,917      $694,774      5.77         888                      
  $ 75001 - 100000      119    $10,212,737      $905,301      8.86         524                      
  OVER $100,000          76    $11,662,752    $1,981,159     16.99         332                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                821     $41,954,914    $3,956,899      9.43        2,604                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       13.2            -0.3           0.0                    1.4                     
  $  5001 -  10000     9.3             1.3           0.5                    2.0                     
  $ 10001 -  15000     4.1             1.0           0.4                    2.0                     
  $ 15001 -  20000     4.3             1.5           0.6                    3.3                     
  $ 20001 -  25000     2.8             1.2           0.7                    1.9                     
  $ 25001 -  30000     2.1             1.1           0.6                    1.7                     
  $ 30001 -  35000     3.7             2.4           1.1                    4.0                     
  $ 35001 -  40000     4.6             3.4           1.4                    6.0                     
  $ 40001 -  45000     3.7             3.0           1.8                    4.3                     
  $ 45001 -  50000     4.9             4.5           2.4                    6.5                     
  $ 50001 -  75000    23.8            28.7          17.6                   34.1                     
  $ 75001 - 100000    14.5            24.3          22.9                   20.1                     
  OVER $100,000        9.3            27.8          50.1                   12.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                    $-1,032           $12                   0.34                     
  $  5001 -  10000                  $7,111          $273                   0.68                     
  $ 10001 -  15000                 $12,315          $413                   1.56                     
  $ 15001 -  20000                 $17,447          $701                   2.43                     
  $ 20001 -  25000                 $21,837        $1,209                   2.17                     
  $ 25001 -  30000                 $27,532        $1,285                   2.65                     
  $ 30001 -  35000                 $32,943        $1,501                   3.47                     
  $ 35001 -  40000                 $37,661        $1,408                   4.08                     
  $ 40001 -  45000                 $42,467        $2,423                   3.70                     
  $ 45001 -  50000                 $47,686        $2,356                   4.20                     
  $ 50001 -  75000                 $61,794        $3,563                   4.55                     
  $ 75001 - 100000                 $85,821        $7,608                   4.40                     
  OVER $100,000                   $153,457       $26,068                   4.37                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $51,102        $4,820                   3.17                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   CENTERVILLE UT                                                   
                        _________________________________________________                           
  UNDER $1               23      $-430,657        $4,204     -0.98          58                      
  $     1  -  5000    1,026     $2,701,334       $37,469      1.39         204                      
  $  5001 -  10000      672     $4,906,157      $237,362      4.84         344                      
  $ 10001 -  15000      472     $5,826,266      $303,499      5.21         478                      
  $ 15001 -  20000      384     $6,678,483      $419,756      6.29         530                      
  $ 20001 -  25000      325     $7,261,052      $534,220      7.36         509                      
  $ 25001 -  30000      239     $6,597,366      $465,193      7.05         458                      
  $ 30001 -  35000      247     $8,010,792      $577,811      7.21         575                      
  $ 35001 -  40000      220     $8,262,758      $597,538      7.23         551                      
  $ 40001 -  45000      217     $9,220,897      $699,156      7.58         615                      
  $ 45001 -  50000      219    $10,370,147      $800,216      7.72         646                      
  $ 50001 -  75000    1,020    $63,700,398    $5,111,008      8.02       3,804                      
  $ 75001 - 100000      661    $56,336,669    $5,950,857     10.56       2,562                      
  $100001 - 250000      520    $69,753,626   $10,866,385     15.58       2,148                      
  OVER $250,000          58    $31,856,504    $8,697,912     27.30         243                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              6,303    $291,051,792   $35,302,586     12.13       13,725                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.1           0.0                    0.4                     
  $     1  -  5000    16.3             0.9           0.1                    1.5                     
  $  5001 -  10000    10.7             1.7           0.7                    2.5                     
  $ 10001 -  15000     7.5             2.0           0.9                    3.5                     
  $ 15001 -  20000     6.1             2.3           1.2                    3.9                     
  $ 20001 -  25000     5.2             2.5           1.5                    3.7                     
  $ 25001 -  30000     3.8             2.3           1.3                    3.3                     
  $ 30001 -  35000     3.9             2.8           1.6                    4.2                     
  $ 35001 -  40000     3.5             2.8           1.7                    4.0                     
  $ 40001 -  45000     3.4             3.2           2.0                    4.5                     
  $ 45001 -  50000     3.5             3.6           2.3                    4.7                     
  $ 50001 -  75000    16.2            21.9          14.5                   27.7                     
  $ 75001 - 100000    10.5            19.4          16.9                   18.7                     
  $100001 - 250000     8.3            24.0          30.8                   15.7                     
  OVER $250,000        0.9            10.9          24.6                    1.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-18,724          $183                   2.52                     
  $     1  -  5000                  $2,633           $37                   0.20                     
  $  5001 -  10000                  $7,301          $353                   0.51                     
  $ 10001 -  15000                 $12,344          $643                   1.01                     
  $ 15001 -  20000                 $17,392        $1,093                   1.38                     
  $ 20001 -  25000                 $22,342        $1,644                   1.57                     
  $ 25001 -  30000                 $27,604        $1,946                   1.92                     
  $ 30001 -  35000                 $32,432        $2,339                   2.33                     
  $ 35001 -  40000                 $37,558        $2,716                   2.50                     
  $ 40001 -  45000                 $42,493        $3,222                   2.83                     
  $ 45001 -  50000                 $47,352        $3,654                   2.95                     
  $ 50001 -  75000                 $62,451        $5,011                   3.73                     
  $ 75001 - 100000                 $85,229        $9,003                   3.88                     
  $100001 - 250000                $134,142       $20,897                   4.13                     
  OVER $250,000                   $549,250      $149,964                   4.19                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $46,177        $5,601                   2.18                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   CLEARFIELD UT                                                    
                        _________________________________________________                           
  UNDER $1               27      $-641,298        $3,602     -0.56          57                      
  $     1  -  5000      930     $2,490,435        $7,452      0.30         643                      
  $  5001 -  10000      894     $6,689,512      $137,799      2.06       1,134                      
  $ 10001 -  15000      958    $11,925,840      $444,511      3.73       1,590                      
  $ 15001 -  20000      930    $16,248,071      $797,533      4.91       1,792                      
  $ 20001 -  25000      951    $21,354,573    $1,230,227      5.76       2,001                      
  $ 25001 -  30000      771    $21,176,621    $1,348,199      6.37       1,779                      
  $ 30001 -  35000      640    $20,856,193    $1,415,730      6.79       1,684                      
  $ 35001 -  40000      665    $24,952,676    $1,738,989      6.97       1,909                      
  $ 40001 -  45000      578    $24,560,875    $1,923,368      7.83       1,688                      
  $ 45001 -  50000      484    $22,955,845    $1,918,119      8.36       1,446                      
  $ 50001 -  75000    1,385    $83,076,510    $7,648,437      9.21       4,536                      
  $ 75001 - 100000      347    $29,198,565    $3,725,729     12.76       1,104                      
  OVER $100,000         121    $15,771,017    $2,631,119     16.68         362                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              9,681    $300,615,435   $24,970,814      8.31       21,725                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.3            -0.2           0.0                    0.3                     
  $     1  -  5000     9.6             0.8           0.0                    3.0                     
  $  5001 -  10000     9.2             2.2           0.6                    5.2                     
  $ 10001 -  15000     9.9             4.0           1.8                    7.3                     
  $ 15001 -  20000     9.6             5.4           3.2                    8.2                     
  $ 20001 -  25000     9.8             7.1           4.9                    9.2                     
  $ 25001 -  30000     8.0             7.0           5.4                    8.2                     
  $ 30001 -  35000     6.6             6.9           5.7                    7.8                     
  $ 35001 -  40000     6.9             8.3           7.0                    8.8                     
  $ 40001 -  45000     6.0             8.2           7.7                    7.8                     
  $ 45001 -  50000     5.0             7.6           7.7                    6.7                     
  $ 50001 -  75000    14.3            27.6          30.6                   20.9                     
  $ 75001 - 100000     3.6             9.7          14.9                    5.1                     
  OVER $100,000        1.2             5.2          10.5                    1.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-23,752          $133                   2.11                     
  $     1  -  5000                  $2,678            $8                   0.69                     
  $  5001 -  10000                  $7,483          $154                   1.27                     
  $ 10001 -  15000                 $12,449          $464                   1.66                     
  $ 15001 -  20000                 $17,471          $858                   1.93                     
  $ 20001 -  25000                 $22,455        $1,294                   2.10                     
  $ 25001 -  30000                 $27,466        $1,749                   2.31                     
  $ 30001 -  35000                 $32,588        $2,212                   2.63                     
  $ 35001 -  40000                 $37,523        $2,615                   2.87                     
  $ 40001 -  45000                 $42,493        $3,328                   2.92                     
  $ 45001 -  50000                 $47,429        $3,963                   2.99                     
  $ 50001 -  75000                 $59,983        $5,522                   3.28                     
  $ 75001 - 100000                 $84,146       $10,737                   3.18                     
  OVER $100,000                   $130,339       $21,745                   2.99                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $31,052        $2,579                   2.24                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   CLINTON UT                                                       
                        _________________________________________________                           
  UNDER $ 5,000         512     $1,093,243        $7,018      0.64         153                      
  $  5001 -  10000      417     $3,108,195      $125,073      4.02         293                      
  $ 10001 -  15000      314     $3,864,298      $192,454      4.98         401                      
  $ 15001 -  20000      307     $5,358,951      $325,456      6.07         476                      
  $ 20001 -  25000      262     $5,908,635      $362,451      6.13         513                      
  $ 25001 -  30000      247     $6,809,812      $415,975      6.11         609                      
  $ 30001 -  35000      264     $8,613,046      $501,589      5.82         747                      
  $ 35001 -  40000      303    $11,389,626      $741,084      6.51         929                      
  $ 40001 -  45000      310    $13,181,235      $852,687      6.47       1,024                      
  $ 45001 -  50000      298    $14,115,193    $1,012,943      7.18         990                      
  $ 50001 -  75000      979    $58,907,059    $4,919,205      8.35       3,523                      
  $ 75001 - 100000      290    $24,626,102    $2,943,735     11.95       1,037                      
  OVER $100,000          86    $14,080,536    $2,494,138     17.71         320                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              4,589    $171,055,931   $14,893,808      8.71       11,015                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       11.2             0.6           0.0                    1.4                     
  $  5001 -  10000     9.1             1.8           0.8                    2.7                     
  $ 10001 -  15000     6.8             2.3           1.3                    3.6                     
  $ 15001 -  20000     6.7             3.1           2.2                    4.3                     
  $ 20001 -  25000     5.7             3.5           2.4                    4.7                     
  $ 25001 -  30000     5.4             4.0           2.8                    5.5                     
  $ 30001 -  35000     5.8             5.0           3.4                    6.8                     
  $ 35001 -  40000     6.6             6.7           5.0                    8.4                     
  $ 40001 -  45000     6.8             7.7           5.7                    9.3                     
  $ 45001 -  50000     6.5             8.3           6.8                    9.0                     
  $ 50001 -  75000    21.3            34.4          33.0                   32.0                     
  $ 75001 - 100000     6.3            14.4          19.8                    9.4                     
  OVER $100,000        1.9             8.2          16.7                    2.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,135           $14                   0.30                     
  $  5001 -  10000                  $7,454          $300                   0.70                     
  $ 10001 -  15000                 $12,307          $613                   1.28                     
  $ 15001 -  20000                 $17,456        $1,060                   1.55                     
  $ 20001 -  25000                 $22,552        $1,383                   1.96                     
  $ 25001 -  30000                 $27,570        $1,684                   2.47                     
  $ 30001 -  35000                 $32,625        $1,900                   2.83                     
  $ 35001 -  40000                 $37,590        $2,446                   3.07                     
  $ 40001 -  45000                 $42,520        $2,751                   3.30                     
  $ 45001 -  50000                 $47,366        $3,399                   3.32                     
  $ 50001 -  75000                 $60,171        $5,025                   3.60                     
  $ 75001 - 100000                 $84,918       $10,151                   3.58                     
  OVER $100,000                   $163,727       $29,002                   3.72                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $37,275        $3,246                   2.40                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   COALVILLE UT                                                     
                        _________________________________________________                           
  UNDER $1               19      $-388,695            $0      0.00          43                      
  $     1  -  5000      116       $339,251        $3,621      1.07          28                      
  $  5001 -  10000      111       $809,335       $25,344      3.13          80                      
  $ 10001 -  15000       88     $1,079,014       $45,870      4.25         137                      
  $ 15001 -  20000       91     $1,588,359       $83,378      5.25         167                      
  $ 20001 -  25000       79     $1,770,543      $105,560      5.96         166                      
  $ 25001 -  30000       78     $2,143,263      $152,185      7.10         159                      
  $ 30001 -  35000       50     $1,609,369       $90,501      5.62         146                      
  $ 35001 -  40000       51     $1,890,165      $133,177      7.05         150                      
  $ 40001 -  45000       50     $2,108,534      $135,234      6.41         166                      
  $ 45001 -  50000       52     $2,463,592      $186,853      7.58         179                      
  $ 50001 -  75000      198    $12,113,454    $1,069,394      8.83         694                      
  $ 75001 - 100000       49     $4,147,179      $503,432     12.14         180                      
  OVER $100,000          41     $8,687,838    $1,926,622     22.18         136                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,073     $40,361,201    $4,461,171     11.05        2,431                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.8            -1.0           0.0                    1.8                     
  $     1  -  5000    10.8             0.8           0.1                    1.2                     
  $  5001 -  10000    10.3             2.0           0.6                    3.3                     
  $ 10001 -  15000     8.2             2.7           1.0                    5.6                     
  $ 15001 -  20000     8.5             3.9           1.9                    6.9                     
  $ 20001 -  25000     7.4             4.4           2.4                    6.8                     
  $ 25001 -  30000     7.3             5.3           3.4                    6.5                     
  $ 30001 -  35000     4.7             4.0           2.0                    6.0                     
  $ 35001 -  40000     4.8             4.7           3.0                    6.2                     
  $ 40001 -  45000     4.7             5.2           3.0                    6.8                     
  $ 45001 -  50000     4.8             6.1           4.2                    7.4                     
  $ 50001 -  75000    18.5            30.0          24.0                   28.5                     
  $ 75001 - 100000     4.6            10.3          11.3                    7.4                     
  OVER $100,000        3.8            21.5          43.2                    5.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-20,458            $0                   2.26                     
  $     1  -  5000                  $2,925           $31                   0.24                     
  $  5001 -  10000                  $7,291          $228                   0.72                     
  $ 10001 -  15000                 $12,262          $521                   1.56                     
  $ 15001 -  20000                 $17,454          $916                   1.84                     
  $ 20001 -  25000                 $22,412        $1,336                   2.10                     
  $ 25001 -  30000                 $27,478        $1,951                   2.04                     
  $ 30001 -  35000                 $32,187        $1,810                   2.92                     
  $ 35001 -  40000                 $37,062        $2,611                   2.94                     
  $ 40001 -  45000                 $42,171        $2,705                   3.32                     
  $ 45001 -  50000                 $47,377        $3,593                   3.44                     
  $ 50001 -  75000                 $61,179        $5,401                   3.51                     
  $ 75001 - 100000                 $84,636       $10,274                   3.67                     
  OVER $100,000                   $211,898       $46,991                   3.32                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $37,615        $4,158                   2.27                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   DELTA UT                                                         
                        _________________________________________________                           
  UNDER $1               46    $-4,078,109           $60     -0.00         107                      
  $     1  -  5000      289       $778,773        $8,668      1.11         169                      
  $  5001 -  10000      224     $1,636,179       $41,272      2.52         250                      
  $ 10001 -  15000      195     $2,395,207       $89,391      3.73         364                      
  $ 15001 -  20000      110     $1,925,174       $81,383      4.23         254                      
  $ 20001 -  25000      129     $2,890,243      $132,307      4.58         356                      
  $ 25001 -  30000      114     $3,143,837      $147,002      4.68         351                      
  $ 30001 -  35000       88     $2,820,811      $142,981      5.07         284                      
  $ 35001 -  40000       70     $2,612,331      $138,448      5.30         260                      
  $ 40001 -  45000       78     $3,323,893      $242,228      7.29         273                      
  $ 45001 -  50000       82     $3,911,480      $294,990      7.54         300                      
  $ 50001 -  75000      317    $19,638,604    $1,620,183      8.25       1,319                      
  $ 75001 - 100000      101     $8,490,008      $985,684     11.61         414                      
  OVER $100,000          32     $5,233,449      $936,339     17.89         131                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,875     $54,721,880    $4,860,936      8.88        4,832                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             2.5            -7.5           0.0                    2.2                     
  $     1  -  5000    15.4             1.4           0.2                    3.5                     
  $  5001 -  10000    11.9             3.0           0.8                    5.2                     
  $ 10001 -  15000    10.4             4.4           1.8                    7.5                     
  $ 15001 -  20000     5.9             3.5           1.7                    5.3                     
  $ 20001 -  25000     6.9             5.3           2.7                    7.4                     
  $ 25001 -  30000     6.1             5.7           3.0                    7.3                     
  $ 30001 -  35000     4.7             5.2           2.9                    5.9                     
  $ 35001 -  40000     3.7             4.8           2.8                    5.4                     
  $ 40001 -  45000     4.2             6.1           5.0                    5.6                     
  $ 45001 -  50000     4.4             7.1           6.1                    6.2                     
  $ 50001 -  75000    16.9            35.9          33.3                   27.3                     
  $ 75001 - 100000     5.4            15.5          20.3                    8.6                     
  OVER $100,000        1.7             9.6          19.3                    2.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-88,655            $1                   2.33                     
  $     1  -  5000                  $2,695           $30                   0.58                     
  $  5001 -  10000                  $7,304          $184                   1.12                     
  $ 10001 -  15000                 $12,283          $458                   1.87                     
  $ 15001 -  20000                 $17,502          $740                   2.31                     
  $ 20001 -  25000                 $22,405        $1,026                   2.76                     
  $ 25001 -  30000                 $27,578        $1,289                   3.08                     
  $ 30001 -  35000                 $32,055        $1,625                   3.23                     
  $ 35001 -  40000                 $37,319        $1,978                   3.71                     
  $ 40001 -  45000                 $42,614        $3,105                   3.50                     
  $ 45001 -  50000                 $47,701        $3,597                   3.66                     
  $ 50001 -  75000                 $61,951        $5,111                   4.16                     
  $ 75001 - 100000                 $84,059        $9,759                   4.10                     
  OVER $100,000                   $163,545       $29,261                   4.09                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $29,185        $2,592                   2.58                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   DRAPER UT                                                        
                        _________________________________________________                           
  UNDER $1               71    $-1,564,451          $132     -0.01         127                      
  $     1  -  5000      913     $2,349,725       $26,734      1.14         291                      
  $  5001 -  10000      641     $4,715,766      $169,405      3.59         496                      
  $ 10001 -  15000      445     $5,574,145      $281,365      5.05         544                      
  $ 15001 -  20000      426     $7,377,664      $427,079      5.79         657                      
  $ 20001 -  25000      364     $8,182,631      $522,133      6.38         655                      
  $ 25001 -  30000      315     $8,659,712      $619,464      7.15         628                      
  $ 30001 -  35000      345    $11,200,206      $775,368      6.92         760                      
  $ 35001 -  40000      312    $11,688,272      $841,287      7.20         745                      
  $ 40001 -  45000      329    $13,987,608    $1,043,482      7.46         881                      
  $ 45001 -  50000      315    $14,949,040    $1,165,411      7.80         903                      
  $ 50001 -  75000    1,353    $83,636,682    $6,827,873      8.16       4,430                      
  $ 75001 - 100000      943    $81,367,813    $8,403,801     10.33       3,461                      
  $100001 - 250000    1,022   $141,674,965   $22,422,736     15.83       3,749                      
  OVER $250,000         159   $105,365,196   $27,217,835     25.83         574                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              7,953    $499,164,974   $70,744,105     14.17       18,901                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.9            -0.3           0.0                    0.7                     
  $     1  -  5000    11.5             0.5           0.0                    1.5                     
  $  5001 -  10000     8.1             0.9           0.2                    2.6                     
  $ 10001 -  15000     5.6             1.1           0.4                    2.9                     
  $ 15001 -  20000     5.4             1.5           0.6                    3.5                     
  $ 20001 -  25000     4.6             1.6           0.7                    3.5                     
  $ 25001 -  30000     4.0             1.7           0.9                    3.3                     
  $ 30001 -  35000     4.3             2.2           1.1                    4.0                     
  $ 35001 -  40000     3.9             2.3           1.2                    3.9                     
  $ 40001 -  45000     4.1             2.8           1.5                    4.7                     
  $ 45001 -  50000     4.0             3.0           1.6                    4.8                     
  $ 50001 -  75000    17.0            16.8           9.7                   23.4                     
  $ 75001 - 100000    11.9            16.3          11.9                   18.3                     
  $100001 - 250000    12.9            28.4          31.7                   19.8                     
  OVER $250,000        2.0            21.1          38.5                    3.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-22,035            $2                   1.79                     
  $     1  -  5000                  $2,574           $29                   0.32                     
  $  5001 -  10000                  $7,357          $264                   0.77                     
  $ 10001 -  15000                 $12,526          $632                   1.22                     
  $ 15001 -  20000                 $17,318        $1,003                   1.54                     
  $ 20001 -  25000                 $22,480        $1,434                   1.80                     
  $ 25001 -  30000                 $27,491        $1,967                   1.99                     
  $ 30001 -  35000                 $32,464        $2,247                   2.20                     
  $ 35001 -  40000                 $37,462        $2,696                   2.39                     
  $ 40001 -  45000                 $42,516        $3,172                   2.68                     
  $ 45001 -  50000                 $47,457        $3,700                   2.87                     
  $ 50001 -  75000                 $61,816        $5,046                   3.27                     
  $ 75001 - 100000                 $86,286        $8,912                   3.67                     
  $100001 - 250000                $138,625       $21,940                   3.67                     
  OVER $250,000                   $662,674      $171,181                   3.61                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $62,764        $8,895                   2.38                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   DUCHESNE UT                                                      
                        _________________________________________________                           
  UNDER $1               13      $-275,751          $541     -0.20          34                      
  $     1  -  5000      116       $283,585          $537      0.19          91                      
  $  5001 -  10000       95       $732,855       $10,331      1.41         165                      
  $ 10001 -  15000       96     $1,197,638       $26,677      2.23         227                      
  $ 15001 -  20000       62     $1,091,805       $39,966      3.66         156                      
  $ 20001 -  25000       67     $1,503,604       $61,998      4.12         185                      
  $ 25001 -  30000       65     $1,769,691      $108,304      6.12         172                      
  $ 30001 -  35000       50     $1,616,216       $94,017      5.82         156                      
  $ 35001 -  40000       55     $2,054,885      $123,408      6.01         194                      
  $ 40001 -  45000       48     $2,033,881      $142,604      7.01         165                      
  $ 45001 -  50000       28     $1,317,037       $94,743      7.19          93                      
  $ 50001 -  75000       79     $4,681,049      $453,046      9.68         268                      
  OVER $ 75,000          21     $2,421,090      $383,765     15.85          62                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                795     $20,427,585    $1,539,937      7.54        1,968                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.6            -1.3           0.0                    1.7                     
  $     1  -  5000    14.6             1.4           0.0                    4.6                     
  $  5001 -  10000    11.9             3.6           0.7                    8.4                     
  $ 10001 -  15000    12.1             5.9           1.7                   11.5                     
  $ 15001 -  20000     7.8             5.3           2.6                    7.9                     
  $ 20001 -  25000     8.4             7.4           4.0                    9.4                     
  $ 25001 -  30000     8.2             8.7           7.0                    8.7                     
  $ 30001 -  35000     6.3             7.9           6.1                    7.9                     
  $ 35001 -  40000     6.9            10.1           8.0                    9.9                     
  $ 40001 -  45000     6.0            10.0           9.3                    8.4                     
  $ 45001 -  50000     3.5             6.4           6.2                    4.7                     
  $ 50001 -  75000     9.9            22.9          29.4                   13.6                     
  OVER $ 75,000        2.6            11.9          24.9                    3.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-21,212           $42                   2.62                     
  $     1  -  5000                  $2,445            $5                   0.78                     
  $  5001 -  10000                  $7,714          $109                   1.74                     
  $ 10001 -  15000                 $12,475          $278                   2.36                     
  $ 15001 -  20000                 $17,610          $645                   2.52                     
  $ 20001 -  25000                 $22,442          $925                   2.76                     
  $ 25001 -  30000                 $27,226        $1,666                   2.65                     
  $ 30001 -  35000                 $32,324        $1,880                   3.12                     
  $ 35001 -  40000                 $37,362        $2,244                   3.53                     
  $ 40001 -  45000                 $42,373        $2,971                   3.44                     
  $ 45001 -  50000                 $47,037        $3,384                   3.32                     
  $ 50001 -  75000                 $59,254        $5,735                   3.39                     
  OVER $ 75,000                   $115,290       $18,275                   2.95                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $25,695        $1,937                   2.48                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                              
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   EDEN UT                                                          
                        _________________________________________________                           
  UNDER $ 5,000         116       $201,953        $1,242      0.61          61                      
  $  5001 -  10000       78       $563,536       $17,366      3.08          54                      
  $ 10001 -  15000       58       $715,422       $30,871      4.32          76                      
  $ 15001 -  20000       61     $1,064,033       $65,996      6.20          88                      
  $ 20001 -  25000       57     $1,294,340       $94,721      7.32          99                      
  $ 25001 -  30000       39     $1,073,693       $76,976      7.17          93                      
  $ 30001 -  35000       41     $1,323,818       $78,913      5.96         110                      
  $ 35001 -  40000       40     $1,494,611      $110,843      7.42         105                      
  $ 40001 -  45000       37     $1,574,754      $125,227      7.95          93                      
  $ 45001 -  50000       39     $1,850,312      $129,658      7.01         130                      
  $ 50001 -  75000      184    $11,464,273    $1,068,143      9.32         575                      
  $ 75001 - 100000      109     $9,394,056    $1,106,697     11.78         361                      
  OVER $100,000         108    $18,504,478    $3,380,867     18.27         328                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                967     $50,519,279    $6,287,520     12.45        2,173                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       12.0             0.4           0.0                    2.8                     
  $  5001 -  10000     8.1             1.1           0.3                    2.5                     
  $ 10001 -  15000     6.0             1.4           0.5                    3.5                     
  $ 15001 -  20000     6.3             2.1           1.0                    4.0                     
  $ 20001 -  25000     5.9             2.6           1.5                    4.6                     
  $ 25001 -  30000     4.0             2.1           1.2                    4.3                     
  $ 30001 -  35000     4.2             2.6           1.3                    5.1                     
  $ 35001 -  40000     4.1             3.0           1.8                    4.8                     
  $ 40001 -  45000     3.8             3.1           2.0                    4.3                     
  $ 45001 -  50000     4.0             3.7           2.1                    6.0                     
  $ 50001 -  75000    19.0            22.7          17.0                   26.5                     
  $ 75001 - 100000    11.3            18.6          17.6                   16.6                     
  OVER $100,000       11.2            36.6          53.8                   15.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $1,741           $11                   0.53                     
  $  5001 -  10000                  $7,225          $223                   0.69                     
  $ 10001 -  15000                 $12,335          $532                   1.31                     
  $ 15001 -  20000                 $17,443        $1,082                   1.44                     
  $ 20001 -  25000                 $22,708        $1,662                   1.74                     
  $ 25001 -  30000                 $27,531        $1,974                   2.38                     
  $ 30001 -  35000                 $32,288        $1,925                   2.68                     
  $ 35001 -  40000                 $37,365        $2,771                   2.63                     
  $ 40001 -  45000                 $42,561        $3,385                   2.51                     
  $ 45001 -  50000                 $47,444        $3,325                   3.33                     
  $ 50001 -  75000                 $62,306        $5,805                   3.13                     
  $ 75001 - 100000                 $86,184       $10,153                   3.31                     
  OVER $100,000                   $171,338       $31,304                   3.04                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $52,243        $6,502                   2.25                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   EPHRAIM UT                                                       
                        _________________________________________________                           
  UNDER $1               13      $-409,274            $0      0.00          25                      
  $     1  -  5000      225       $634,258        $5,056      0.80          86                      
  $  5001 -  10000      164     $1,181,477       $26,806      2.27         207                      
  $ 10001 -  15000      113     $1,419,684       $38,171      2.69         243                      
  $ 15001 -  20000       95     $1,652,946       $59,172      3.58         223                      
  $ 20001 -  25000       75     $1,694,653       $75,936      4.48         207                      
  $ 25001 -  30000       72     $1,975,841      $100,891      5.11         214                      
  $ 30001 -  35000       63     $2,026,988      $111,608      5.51         211                      
  $ 35001 -  40000       39     $1,460,610       $75,826      5.19         145                      
  $ 40001 -  45000       40     $1,701,443      $116,993      6.88         144                      
  $ 45001 -  50000       28     $1,338,792       $65,706      4.91         138                      
  $ 50001 -  75000      144     $8,749,897      $711,794      8.13         572                      
  $ 75001 - 100000       36     $3,113,343      $322,823     10.37         151                      
  OVER $100,000          37     $6,600,755    $1,340,875     20.31         143                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,144     $33,141,413    $3,051,657      9.21        2,709                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -1.2           0.0                    0.9                     
  $     1  -  5000    19.7             1.9           0.2                    3.2                     
  $  5001 -  10000    14.3             3.6           0.9                    7.6                     
  $ 10001 -  15000     9.9             4.3           1.3                    9.0                     
  $ 15001 -  20000     8.3             5.0           1.9                    8.2                     
  $ 20001 -  25000     6.6             5.1           2.5                    7.6                     
  $ 25001 -  30000     6.3             6.0           3.3                    7.9                     
  $ 30001 -  35000     5.5             6.1           3.7                    7.8                     
  $ 35001 -  40000     3.4             4.4           2.5                    5.4                     
  $ 40001 -  45000     3.5             5.1           3.8                    5.3                     
  $ 45001 -  50000     2.4             4.0           2.2                    5.1                     
  $ 50001 -  75000    12.6            26.4          23.3                   21.1                     
  $ 75001 - 100000     3.1             9.4          10.6                    5.6                     
  OVER $100,000        3.2            19.9          43.9                    5.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-31,483            $0                   1.92                     
  $     1  -  5000                  $2,819           $22                   0.38                     
  $  5001 -  10000                  $7,204          $163                   1.26                     
  $ 10001 -  15000                 $12,564          $338                   2.15                     
  $ 15001 -  20000                 $17,399          $623                   2.35                     
  $ 20001 -  25000                 $22,595        $1,012                   2.76                     
  $ 25001 -  30000                 $27,442        $1,401                   2.97                     
  $ 30001 -  35000                 $32,174        $1,772                   3.35                     
  $ 35001 -  40000                 $37,452        $1,944                   3.72                     
  $ 40001 -  45000                 $42,536        $2,925                   3.60                     
  $ 45001 -  50000                 $47,814        $2,347                   4.93                     
  $ 50001 -  75000                 $60,763        $4,943                   3.97                     
  $ 75001 - 100000                 $86,482        $8,967                   4.19                     
  OVER $100,000                   $178,399       $36,240                   3.86                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $28,970        $2,668                   2.37                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   FAIRVIEW UT                                                      
                        _________________________________________________                           
  UNDER $1               13      $-434,911            $0      0.00          25                      
  $     1  -  5000      100       $281,808        $1,127      0.40          77                      
  $  5001 -  10000       83       $606,091       $13,539      2.23          89                      
  $ 10001 -  15000       66       $834,581       $28,285      3.39         131                      
  $ 15001 -  20000       74     $1,296,791       $54,662      4.22         160                      
  $ 20001 -  25000       46     $1,042,040       $49,119      4.71         121                      
  $ 25001 -  30000       55     $1,501,291       $70,079      4.67         169                      
  $ 30001 -  35000       51     $1,658,170       $87,335      5.27         173                      
  $ 35001 -  40000       41     $1,535,135       $93,699      6.10         135                      
  $ 40001 -  45000       37     $1,558,038      $101,356      6.51         131                      
  $ 45001 -  50000       32     $1,532,565      $104,688      6.83         116                      
  $ 50001 -  75000      137     $8,222,983      $687,739      8.36         525                      
  $ 75001 - 100000       20     $1,711,275      $189,833     11.09          78                      
  OVER $100,000          14     $2,053,456      $374,971     18.26          54                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                769     $23,399,313    $1,856,432      7.93        1,984                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.7            -1.9           0.0                    1.3                     
  $     1  -  5000    13.0             1.2           0.1                    3.9                     
  $  5001 -  10000    10.8             2.6           0.7                    4.5                     
  $ 10001 -  15000     8.6             3.6           1.5                    6.6                     
  $ 15001 -  20000     9.6             5.5           2.9                    8.1                     
  $ 20001 -  25000     6.0             4.5           2.6                    6.1                     
  $ 25001 -  30000     7.2             6.4           3.8                    8.5                     
  $ 30001 -  35000     6.6             7.1           4.7                    8.7                     
  $ 35001 -  40000     5.3             6.6           5.0                    6.8                     
  $ 40001 -  45000     4.8             6.7           5.5                    6.6                     
  $ 45001 -  50000     4.2             6.5           5.6                    5.8                     
  $ 50001 -  75000    17.8            35.1          37.0                   26.5                     
  $ 75001 - 100000     2.6             7.3          10.2                    3.9                     
  OVER $100,000        1.8             8.8          20.2                    2.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-33,455            $0                   1.92                     
  $     1  -  5000                  $2,818           $11                   0.77                     
  $  5001 -  10000                  $7,302          $163                   1.07                     
  $ 10001 -  15000                 $12,645          $429                   1.98                     
  $ 15001 -  20000                 $17,524          $739                   2.16                     
  $ 20001 -  25000                 $22,653        $1,068                   2.63                     
  $ 25001 -  30000                 $27,296        $1,274                   3.07                     
  $ 30001 -  35000                 $32,513        $1,712                   3.39                     
  $ 35001 -  40000                 $37,442        $2,285                   3.29                     
  $ 40001 -  45000                 $42,109        $2,739                   3.54                     
  $ 45001 -  50000                 $47,893        $3,272                   3.63                     
  $ 50001 -  75000                 $60,022        $5,020                   3.83                     
  $ 75001 - 100000                 $85,564        $9,492                   3.90                     
  OVER $100,000                   $146,675       $26,784                   3.86                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,428        $2,414                   2.58                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   FARMINGTON UT                                                    
                        _________________________________________________                           
  UNDER $1               20      $-802,111            $0      0.00          37                      
  $     1  -  5000      766     $1,985,161       $28,772      1.45         128                      
  $  5001 -  10000      447     $3,314,670      $138,525      4.18         240                      
  $ 10001 -  15000      317     $3,923,176      $211,697      5.40         341                      
  $ 15001 -  20000      268     $4,665,983      $276,282      5.92         407                      
  $ 20001 -  25000      200     $4,509,938      $293,988      6.52         354                      
  $ 25001 -  30000      161     $4,430,651      $308,435      6.96         334                      
  $ 30001 -  35000      168     $5,458,804      $358,151      6.56         429                      
  $ 35001 -  40000      158     $5,942,814      $422,782      7.11         428                      
  $ 40001 -  45000      173     $7,348,835      $409,423      5.57         596                      
  $ 45001 -  50000      150     $7,096,191      $504,720      7.11         489                      
  $ 50001 -  75000      763    $47,260,019    $3,680,796      7.79       2,857                      
  $ 75001 - 100000      472    $40,732,840    $4,290,973     10.53       1,841                      
  $100001 - 250000      448    $63,032,973    $9,847,183     15.62       1,835                      
  OVER $250,000          79    $52,978,336   $14,254,926     26.91         353                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              4,590    $251,878,280   $35,026,653     13.91       10,669                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.3           0.0                    0.3                     
  $     1  -  5000    16.7             0.8           0.1                    1.2                     
  $  5001 -  10000     9.7             1.3           0.4                    2.2                     
  $ 10001 -  15000     6.9             1.6           0.6                    3.2                     
  $ 15001 -  20000     5.8             1.9           0.8                    3.8                     
  $ 20001 -  25000     4.4             1.8           0.8                    3.3                     
  $ 25001 -  30000     3.5             1.8           0.9                    3.1                     
  $ 30001 -  35000     3.7             2.2           1.0                    4.0                     
  $ 35001 -  40000     3.4             2.4           1.2                    4.0                     
  $ 40001 -  45000     3.8             2.9           1.2                    5.6                     
  $ 45001 -  50000     3.3             2.8           1.4                    4.6                     
  $ 50001 -  75000    16.6            18.8          10.5                   26.8                     
  $ 75001 - 100000    10.3            16.2          12.3                   17.3                     
  $100001 - 250000     9.8            25.0          28.1                   17.2                     
  OVER $250,000        1.7            21.0          40.7                    3.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-40,106            $0                   1.85                     
  $     1  -  5000                  $2,592           $38                   0.17                     
  $  5001 -  10000                  $7,415          $310                   0.54                     
  $ 10001 -  15000                 $12,376          $668                   1.08                     
  $ 15001 -  20000                 $17,410        $1,031                   1.52                     
  $ 20001 -  25000                 $22,550        $1,470                   1.77                     
  $ 25001 -  30000                 $27,520        $1,916                   2.07                     
  $ 30001 -  35000                 $32,493        $2,132                   2.55                     
  $ 35001 -  40000                 $37,613        $2,676                   2.71                     
  $ 40001 -  45000                 $42,479        $2,367                   3.45                     
  $ 45001 -  50000                 $47,308        $3,365                   3.26                     
  $ 50001 -  75000                 $61,940        $4,824                   3.74                     
  $ 75001 - 100000                 $86,298        $9,091                   3.90                     
  $100001 - 250000                $140,699       $21,980                   4.10                     
  OVER $250,000                   $670,612      $180,442                   4.47                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $54,875        $7,631                   2.32                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   FILLMORE UT                                                      
                        _________________________________________________                           
  UNDER $1               19      $-320,243            $0      0.00          54                      
  $     1  -  5000      129       $367,202        $2,854      0.78          94                      
  $  5001 -  10000      126       $915,621       $20,804      2.27         148                      
  $ 10001 -  15000      101     $1,273,153       $38,458      3.02         201                      
  $ 15001 -  20000       81     $1,412,437       $51,907      3.67         195                      
  $ 20001 -  25000       75     $1,691,225       $83,113      4.91         208                      
  $ 25001 -  30000       62     $1,686,278       $61,619      3.65         224                      
  $ 30001 -  35000       53     $1,726,314      $100,013      5.79         169                      
  $ 35001 -  40000       45     $1,704,817       $83,923      4.92         180                      
  $ 40001 -  45000       57     $2,420,273      $141,971      5.87         206                      
  $ 45001 -  50000       45     $2,141,061      $160,946      7.52         159                      
  $ 50001 -  75000      122     $7,386,473      $653,457      8.85         457                      
  $ 75001 - 100000       29     $2,465,091      $290,739     11.79         101                      
  $100001 - 250000       12     $1,694,096      $260,636     15.38          48                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                956     $26,563,798    $1,950,440      7.34        2,444                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             2.0            -1.2           0.0                    2.2                     
  $     1  -  5000    13.5             1.4           0.1                    3.8                     
  $  5001 -  10000    13.2             3.4           1.1                    6.1                     
  $ 10001 -  15000    10.6             4.8           2.0                    8.2                     
  $ 15001 -  20000     8.5             5.3           2.7                    8.0                     
  $ 20001 -  25000     7.8             6.4           4.3                    8.5                     
  $ 25001 -  30000     6.5             6.3           3.2                    9.2                     
  $ 30001 -  35000     5.5             6.5           5.1                    6.9                     
  $ 35001 -  40000     4.7             6.4           4.3                    7.4                     
  $ 40001 -  45000     6.0             9.1           7.3                    8.4                     
  $ 45001 -  50000     4.7             8.1           8.3                    6.5                     
  $ 50001 -  75000    12.8            27.8          33.5                   18.7                     
  $ 75001 - 100000     3.0             9.3          14.9                    4.1                     
  $100001 - 250000     1.3             6.4          13.4                    2.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-16,855            $0                   2.84                     
  $     1  -  5000                  $2,847           $22                   0.73                     
  $  5001 -  10000                  $7,267          $165                   1.17                     
  $ 10001 -  15000                 $12,605          $381                   1.99                     
  $ 15001 -  20000                 $17,437          $641                   2.41                     
  $ 20001 -  25000                 $22,550        $1,108                   2.77                     
  $ 25001 -  30000                 $27,198          $994                   3.61                     
  $ 30001 -  35000                 $32,572        $1,887                   3.19                     
  $ 35001 -  40000                 $37,885        $1,865                   4.00                     
  $ 40001 -  45000                 $42,461        $2,491                   3.61                     
  $ 45001 -  50000                 $47,579        $3,577                   3.53                     
  $ 50001 -  75000                 $60,545        $5,356                   3.75                     
  $ 75001 - 100000                 $85,003       $10,025                   3.48                     
  $100001 - 250000                $141,175       $21,720                   4.00                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $27,786        $2,040                   2.56                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                     
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   FRUIT HEIGHTS UT                                                 
                        _________________________________________________                           
  UNDER $1               14      $-240,484        $1,346     -0.56          20                      
  $     1  -  5000      344       $875,826        $8,267      0.94          58                      
  $  5001 -  10000      199     $1,452,174       $63,216      4.35          94                      
  $ 10001 -  15000      130     $1,612,098       $91,297      5.66         125                      
  $ 15001 -  20000       96     $1,648,365      $112,705      6.84         121                      
  $ 20001 -  25000       76     $1,696,708      $118,370      6.98         131                      
  $ 25001 -  30000       60     $1,651,604      $125,030      7.57         109                      
  $ 30001 -  35000       64     $2,052,034      $140,712      6.86         142                      
  $ 35001 -  40000       40     $1,503,896      $111,877      7.44          89                      
  $ 40001 -  45000       50     $2,132,188      $162,542      7.62         130                      
  $ 45001 -  50000       49     $2,333,231      $166,595      7.14         143                      
  $ 50001 -  75000      233    $14,576,497    $1,143,169      7.84         862                      
  $ 75001 - 100000      190    $16,306,381    $1,634,350     10.02         764                      
  $100001 - 250000      217    $30,053,523    $4,797,737     15.96         912                      
  OVER $250,000          32    $13,963,801    $3,797,353     27.19         130                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,794     $91,617,842   $12,474,566     13.62        3,830                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -0.3           0.0                    0.5                     
  $     1  -  5000    19.2             1.0           0.1                    1.5                     
  $  5001 -  10000    11.1             1.6           0.5                    2.5                     
  $ 10001 -  15000     7.2             1.8           0.7                    3.3                     
  $ 15001 -  20000     5.4             1.8           0.9                    3.2                     
  $ 20001 -  25000     4.2             1.9           0.9                    3.4                     
  $ 25001 -  30000     3.3             1.8           1.0                    2.8                     
  $ 30001 -  35000     3.6             2.2           1.1                    3.7                     
  $ 35001 -  40000     2.2             1.6           0.9                    2.3                     
  $ 40001 -  45000     2.8             2.3           1.3                    3.4                     
  $ 45001 -  50000     2.7             2.5           1.3                    3.7                     
  $ 50001 -  75000    13.0            15.9           9.2                   22.5                     
  $ 75001 - 100000    10.6            17.8          13.1                   19.9                     
  $100001 - 250000    12.1            32.8          38.5                   23.8                     
  OVER $250,000        1.8            15.2          30.4                    3.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-17,177           $96                   1.43                     
  $     1  -  5000                  $2,546           $24                   0.17                     
  $  5001 -  10000                  $7,297          $318                   0.47                     
  $ 10001 -  15000                 $12,401          $702                   0.96                     
  $ 15001 -  20000                 $17,170        $1,174                   1.26                     
  $ 20001 -  25000                 $22,325        $1,558                   1.72                     
  $ 25001 -  30000                 $27,527        $2,084                   1.82                     
  $ 30001 -  35000                 $32,063        $2,199                   2.22                     
  $ 35001 -  40000                 $37,597        $2,797                   2.23                     
  $ 40001 -  45000                 $42,644        $3,251                   2.60                     
  $ 45001 -  50000                 $47,617        $3,400                   2.92                     
  $ 50001 -  75000                 $62,560        $4,906                   3.70                     
  $ 75001 - 100000                 $85,823        $8,602                   4.02                     
  $100001 - 250000                $138,495       $22,109                   4.20                     
  OVER $250,000                   $436,369      $118,667                   4.06                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $51,069        $6,953                   2.13                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   GARLAND UT                                                       
                        _________________________________________________                           
  UNDER $ 5,000         155      $-146,333        $2,366     -1.62          79                      
  $  5001 -  10000      104       $762,193       $22,196      2.91          95                      
  $ 10001 -  15000       82     $1,041,641       $34,318      3.29         142                      
  $ 15001 -  20000       84     $1,465,395       $68,887      4.70         176                      
  $ 20001 -  25000      102     $2,321,990      $114,951      4.95         247                      
  $ 25001 -  30000       88     $2,437,806      $123,173      5.05         267                      
  $ 30001 -  35000       74     $2,404,898      $153,568      6.39         201                      
  $ 35001 -  40000       92     $3,457,381      $198,583      5.74         328                      
  $ 40001 -  45000       64     $2,726,948      $172,717      6.33         233                      
  $ 45001 -  50000       62     $2,936,110      $189,624      6.46         244                      
  $ 50001 -  75000      207    $12,329,674    $1,000,823      8.12         830                      
  $ 75001 - 100000       59     $4,941,592      $611,120     12.37         219                      
  $100001 - 250000       19     $2,511,298      $391,104     15.57          79                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,192     $39,190,593    $3,083,430      7.87        3,140                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       13.0            -0.4           0.1                    2.5                     
  $  5001 -  10000     8.7             1.9           0.7                    3.0                     
  $ 10001 -  15000     6.9             2.7           1.1                    4.5                     
  $ 15001 -  20000     7.0             3.7           2.2                    5.6                     
  $ 20001 -  25000     8.6             5.9           3.7                    7.9                     
  $ 25001 -  30000     7.4             6.2           4.0                    8.5                     
  $ 30001 -  35000     6.2             6.1           5.0                    6.4                     
  $ 35001 -  40000     7.7             8.8           6.4                   10.4                     
  $ 40001 -  45000     5.4             7.0           5.6                    7.4                     
  $ 45001 -  50000     5.2             7.5           6.1                    7.8                     
  $ 50001 -  75000    17.4            31.5          32.5                   26.4                     
  $ 75001 - 100000     4.9            12.6          19.8                    7.0                     
  $100001 - 250000     1.6             6.4          12.7                    2.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                      $-944           $15                   0.51                     
  $  5001 -  10000                  $7,329          $213                   0.91                     
  $ 10001 -  15000                 $12,703          $419                   1.73                     
  $ 15001 -  20000                 $17,445          $820                   2.10                     
  $ 20001 -  25000                 $22,765        $1,127                   2.42                     
  $ 25001 -  30000                 $27,702        $1,400                   3.03                     
  $ 30001 -  35000                 $32,499        $2,075                   2.72                     
  $ 35001 -  40000                 $37,580        $2,159                   3.57                     
  $ 40001 -  45000                 $42,609        $2,699                   3.64                     
  $ 45001 -  50000                 $47,357        $3,058                   3.94                     
  $ 50001 -  75000                 $59,564        $4,835                   4.01                     
  $ 75001 - 100000                 $83,756       $10,358                   3.71                     
  $100001 - 250000                $132,174       $20,584                   4.16                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $32,878        $2,587                   2.63                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   GRANTSVILLE                                                      
                        _________________________________________________                           
  UNDER $ 5,000         303       $682,556        $4,762      0.70         126                      
  $  5001 -  10000      238     $1,769,957       $40,327      2.28         272                      
  $ 10001 -  15000      179     $2,217,575       $90,289      4.07         273                      
  $ 15001 -  20000      209     $3,639,853      $180,536      4.96         400                      
  $ 20001 -  25000      183     $4,102,353      $237,075      5.78         401                      
  $ 25001 -  30000      156     $4,317,455      $269,069      6.23         375                      
  $ 30001 -  35000      160     $5,174,970      $356,202      6.88         431                      
  $ 35001 -  40000      190     $7,123,923      $487,727      6.85         571                      
  $ 40001 -  45000      138     $5,865,058      $420,612      7.17         459                      
  $ 45001 -  50000      129     $6,152,554      $485,090      7.88         426                      
  $ 50001 -  75000      455    $27,692,983    $2,399,371      8.66       1,602                      
  $ 75001 - 100000      137    $11,602,784    $1,402,751     12.09         494                      
  OVER $100,000          55     $7,195,405    $1,105,267     15.36         209                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,532     $87,537,426    $7,479,078      8.54        6,039                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       12.0             0.8           0.1                    2.1                     
  $  5001 -  10000     9.4             2.0           0.5                    4.5                     
  $ 10001 -  15000     7.1             2.5           1.2                    4.5                     
  $ 15001 -  20000     8.3             4.2           2.4                    6.6                     
  $ 20001 -  25000     7.2             4.7           3.2                    6.6                     
  $ 25001 -  30000     6.2             4.9           3.6                    6.2                     
  $ 30001 -  35000     6.3             5.9           4.8                    7.1                     
  $ 35001 -  40000     7.5             8.1           6.5                    9.5                     
  $ 40001 -  45000     5.5             6.7           5.6                    7.6                     
  $ 45001 -  50000     5.1             7.0           6.5                    7.1                     
  $ 50001 -  75000    18.0            31.6          32.1                   26.5                     
  $ 75001 - 100000     5.4            13.3          18.8                    8.2                     
  OVER $100,000        2.2             8.2          14.8                    3.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,253           $16                   0.42                     
  $  5001 -  10000                  $7,437          $169                   1.14                     
  $ 10001 -  15000                 $12,389          $504                   1.53                     
  $ 15001 -  20000                 $17,416          $864                   1.91                     
  $ 20001 -  25000                 $22,417        $1,295                   2.19                     
  $ 25001 -  30000                 $27,676        $1,725                   2.40                     
  $ 30001 -  35000                 $32,344        $2,226                   2.69                     
  $ 35001 -  40000                 $37,494        $2,567                   3.01                     
  $ 40001 -  45000                 $42,500        $3,048                   3.33                     
  $ 45001 -  50000                 $47,694        $3,760                   3.30                     
  $ 50001 -  75000                 $60,864        $5,273                   3.52                     
  $ 75001 - 100000                 $84,692       $10,239                   3.61                     
  OVER $100,000                   $130,826       $20,096                   3.80                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $34,572        $2,954                   2.39                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   HEBER CITY UT                                                    
                        _________________________________________________                           
  UNDER $1               28      $-331,187          $200     -0.06          54                      
  $     1  -  5000      540     $1,523,306       $12,193      0.80         187                      
  $  5001 -  10000      426     $3,164,233       $95,350      3.01         409                      
  $ 10001 -  15000      373     $4,664,161      $187,349      4.02         556                      
  $ 15001 -  20000      350     $6,089,747      $327,270      5.37         625                      
  $ 20001 -  25000      277     $6,269,666      $382,384      6.10         571                      
  $ 25001 -  30000      273     $7,530,369      $463,826      6.16         658                      
  $ 30001 -  35000      246     $7,993,242      $541,990      6.78         648                      
  $ 35001 -  40000      226     $8,447,157      $567,360      6.72         615                      
  $ 40001 -  45000      202     $8,552,506      $557,278      6.52         696                      
  $ 45001 -  50000      197     $9,345,740      $708,874      7.58         645                      
  $ 50001 -  75000      657    $39,639,924    $3,286,582      8.29       2,297                      
  $ 75001 - 100000      209    $17,925,974    $1,907,983     10.64         781                      
  $100001 - 250000      170    $24,113,582    $3,829,197     15.88         608                      
  OVER $250,000          41    $24,749,073    $5,693,461     23.00         127                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              4,215    $169,677,493   $18,561,297     10.94        9,477                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.7            -0.2           0.0                    0.6                     
  $     1  -  5000    12.8             0.9           0.1                    2.0                     
  $  5001 -  10000    10.1             1.9           0.5                    4.3                     
  $ 10001 -  15000     8.8             2.7           1.0                    5.9                     
  $ 15001 -  20000     8.3             3.6           1.8                    6.6                     
  $ 20001 -  25000     6.6             3.7           2.1                    6.0                     
  $ 25001 -  30000     6.5             4.4           2.5                    6.9                     
  $ 30001 -  35000     5.8             4.7           2.9                    6.8                     
  $ 35001 -  40000     5.4             5.0           3.1                    6.5                     
  $ 40001 -  45000     4.8             5.0           3.0                    7.3                     
  $ 45001 -  50000     4.7             5.5           3.8                    6.8                     
  $ 50001 -  75000    15.6            23.4          17.7                   24.2                     
  $ 75001 - 100000     5.0            10.6          10.3                    8.2                     
  $100001 - 250000     4.0            14.2          20.6                    6.4                     
  OVER $250,000        1.0            14.6          30.7                    1.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-11,828            $7                   1.93                     
  $     1  -  5000                  $2,821           $23                   0.35                     
  $  5001 -  10000                  $7,428          $224                   0.96                     
  $ 10001 -  15000                 $12,504          $502                   1.49                     
  $ 15001 -  20000                 $17,399          $935                   1.79                     
  $ 20001 -  25000                 $22,634        $1,380                   2.06                     
  $ 25001 -  30000                 $27,584        $1,699                   2.41                     
  $ 30001 -  35000                 $32,493        $2,203                   2.63                     
  $ 35001 -  40000                 $37,377        $2,510                   2.72                     
  $ 40001 -  45000                 $42,339        $2,759                   3.45                     
  $ 45001 -  50000                 $47,440        $3,598                   3.27                     
  $ 50001 -  75000                 $60,335        $5,002                   3.50                     
  $ 75001 - 100000                 $85,770        $9,129                   3.74                     
  $100001 - 250000                $141,845       $22,525                   3.58                     
  OVER $250,000                   $603,636      $138,865                   3.10                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $40,256        $4,404                   2.25                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   HELPER UT                                                        
                        _________________________________________________                           
  UNDER $1               12      $-450,223            $0      0.00          16                      
  $     1  -  5000      192       $539,805        $3,001      0.56         107                      
  $  5001 -  10000      184     $1,406,879       $30,715      2.18         244                      
  $ 10001 -  15000      156     $1,954,339       $79,691      4.08         243                      
  $ 15001 -  20000      157     $2,729,622      $134,069      4.91         298                      
  $ 20001 -  25000      100     $2,239,235      $119,153      5.32         236                      
  $ 25001 -  30000       96     $2,656,920      $183,735      6.92         219                      
  $ 30001 -  35000       64     $2,082,776      $145,300      6.98         167                      
  $ 35001 -  40000       75     $2,803,823      $241,990      8.63         187                      
  $ 40001 -  45000       78     $3,314,838      $288,579      8.71         214                      
  $ 45001 -  50000       67     $3,181,742      $296,219      9.31         186                      
  $ 50001 -  75000      265    $16,221,334    $1,736,556     10.71         826                      
  $ 75001 - 100000      107     $8,978,621    $1,247,375     13.89         348                      
  OVER $100,000          38     $5,516,255    $1,149,288     20.83         110                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,591     $53,175,966    $5,655,671     10.64        3,401                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -0.8           0.0                    0.5                     
  $     1  -  5000    12.1             1.0           0.1                    3.1                     
  $  5001 -  10000    11.6             2.6           0.5                    7.2                     
  $ 10001 -  15000     9.8             3.7           1.4                    7.1                     
  $ 15001 -  20000     9.9             5.1           2.4                    8.8                     
  $ 20001 -  25000     6.3             4.2           2.1                    6.9                     
  $ 25001 -  30000     6.0             5.0           3.2                    6.4                     
  $ 30001 -  35000     4.0             3.9           2.6                    4.9                     
  $ 35001 -  40000     4.7             5.3           4.3                    5.5                     
  $ 40001 -  45000     4.9             6.2           5.1                    6.3                     
  $ 45001 -  50000     4.2             6.0           5.2                    5.5                     
  $ 50001 -  75000    16.7            30.5          30.7                   24.3                     
  $ 75001 - 100000     6.7            16.9          22.1                   10.2                     
  OVER $100,000        2.4            10.4          20.3                    3.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-37,519            $0                   1.33                     
  $     1  -  5000                  $2,811           $16                   0.56                     
  $  5001 -  10000                  $7,646          $167                   1.33                     
  $ 10001 -  15000                 $12,528          $511                   1.56                     
  $ 15001 -  20000                 $17,386          $854                   1.90                     
  $ 20001 -  25000                 $22,392        $1,192                   2.36                     
  $ 25001 -  30000                 $27,676        $1,914                   2.28                     
  $ 30001 -  35000                 $32,543        $2,270                   2.61                     
  $ 35001 -  40000                 $37,384        $3,227                   2.49                     
  $ 40001 -  45000                 $42,498        $3,700                   2.74                     
  $ 45001 -  50000                 $47,489        $4,421                   2.78                     
  $ 50001 -  75000                 $61,213        $6,553                   3.12                     
  $ 75001 - 100000                 $83,912       $11,658                   3.25                     
  OVER $100,000                   $145,165       $30,244                   2.89                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $33,423        $3,555                   2.14                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   HERRIMAN UT                                                      
                        _________________________________________________                           
  UNDER $ 5,000         106       $213,927          $823      0.38          37                      
  $  5001 -  10000       77       $575,133       $18,581      3.23          55                      
  $ 10001 -  15000       75       $945,149       $42,932      4.54         132                      
  $ 15001 -  20000       72     $1,241,267       $75,558      6.09         114                      
  $ 20001 -  25000       52     $1,156,403       $67,382      5.83         118                      
  $ 25001 -  30000       57     $1,550,779       $91,226      5.88         145                      
  $ 30001 -  35000       58     $1,893,874      $100,799      5.32         174                      
  $ 35001 -  40000       55     $2,057,560      $117,708      5.72         161                      
  $ 40001 -  45000       48     $2,038,046      $118,417      5.81         158                      
  $ 45001 -  50000       41     $1,965,347      $127,310      6.48         138                      
  $ 50001 -  75000      239    $14,508,018    $1,159,738      7.99         842                      
  $ 75001 - 100000       81     $6,830,137      $770,841     11.29         271                      
  OVER $100,000          51     $7,458,752    $1,225,159     16.43         183                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,012     $42,434,392    $3,916,474      9.23        2,528                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       10.5             0.5           0.0                    1.5                     
  $  5001 -  10000     7.6             1.4           0.5                    2.2                     
  $ 10001 -  15000     7.4             2.2           1.1                    5.2                     
  $ 15001 -  20000     7.1             2.9           1.9                    4.5                     
  $ 20001 -  25000     5.1             2.7           1.7                    4.7                     
  $ 25001 -  30000     5.6             3.7           2.3                    5.7                     
  $ 30001 -  35000     5.7             4.5           2.6                    6.9                     
  $ 35001 -  40000     5.4             4.8           3.0                    6.4                     
  $ 40001 -  45000     4.7             4.8           3.0                    6.3                     
  $ 45001 -  50000     4.1             4.6           3.3                    5.5                     
  $ 50001 -  75000    23.6            34.2          29.6                   33.3                     
  $ 75001 - 100000     8.0            16.1          19.7                   10.7                     
  OVER $100,000        5.0            17.6          31.3                    7.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,018            $8                   0.35                     
  $  5001 -  10000                  $7,469          $241                   0.71                     
  $ 10001 -  15000                 $12,602          $572                   1.76                     
  $ 15001 -  20000                 $17,240        $1,049                   1.58                     
  $ 20001 -  25000                 $22,239        $1,296                   2.27                     
  $ 25001 -  30000                 $27,207        $1,600                   2.54                     
  $ 30001 -  35000                 $32,653        $1,738                   3.00                     
  $ 35001 -  40000                 $37,410        $2,140                   2.93                     
  $ 40001 -  45000                 $42,459        $2,467                   3.29                     
  $ 45001 -  50000                 $47,935        $3,105                   3.37                     
  $ 50001 -  75000                 $60,703        $4,852                   3.52                     
  $ 75001 - 100000                 $84,323        $9,517                   3.35                     
  OVER $100,000                   $146,250       $24,023                   3.59                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $41,931        $3,870                   2.50                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   HIGHLAND UT                                                      
                        _________________________________________________                           
  UNDER $1               19      $-284,335          $852     -0.30          43                      
  $     1  -  5000      462     $1,155,166       $11,480      0.99          81                      
  $  5001 -  10000      335     $2,445,863       $98,165      4.01         214                      
  $ 10001 -  15000      212     $2,614,306      $155,034      5.93         241                      
  $ 15001 -  20000      146     $2,537,982      $141,576      5.58         241                      
  $ 20001 -  25000       91     $2,022,196      $111,909      5.53         194                      
  $ 25001 -  30000       76     $2,080,374      $117,844      5.66         190                      
  $ 30001 -  35000       74     $2,392,307      $142,829      5.97         195                      
  $ 35001 -  40000       57     $2,137,640       $95,804      4.48         217                      
  $ 40001 -  45000       67     $2,854,646      $128,740      4.51         278                      
  $ 45001 -  50000       76     $3,608,422      $197,784      5.48         315                      
  $ 50001 -  75000      382    $23,918,547    $1,511,293      6.32       1,685                      
  $ 75001 - 100000      273    $23,661,790    $2,023,056      8.55       1,270                      
  $100001 - 250000      327    $46,464,415    $6,868,594     14.78       1,528                      
  OVER $250,000          45    $25,690,650    $6,857,829     26.69         214                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,642    $143,299,969   $18,462,789     12.88        6,906                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.7            -0.2           0.0                    0.6                     
  $     1  -  5000    17.5             0.8           0.1                    1.2                     
  $  5001 -  10000    12.7             1.7           0.5                    3.1                     
  $ 10001 -  15000     8.0             1.8           0.8                    3.5                     
  $ 15001 -  20000     5.5             1.8           0.8                    3.5                     
  $ 20001 -  25000     3.4             1.4           0.6                    2.8                     
  $ 25001 -  30000     2.9             1.5           0.6                    2.8                     
  $ 30001 -  35000     2.8             1.7           0.8                    2.8                     
  $ 35001 -  40000     2.2             1.5           0.5                    3.1                     
  $ 40001 -  45000     2.5             2.0           0.7                    4.0                     
  $ 45001 -  50000     2.9             2.5           1.1                    4.6                     
  $ 50001 -  75000    14.5            16.7           8.2                   24.4                     
  $ 75001 - 100000    10.3            16.5          11.0                   18.4                     
  $100001 - 250000    12.4            32.4          37.2                   22.1                     
  OVER $250,000        1.7            17.9          37.1                    3.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-14,965           $45                   2.26                     
  $     1  -  5000                  $2,500           $25                   0.18                     
  $  5001 -  10000                  $7,301          $293                   0.64                     
  $ 10001 -  15000                 $12,332          $731                   1.14                     
  $ 15001 -  20000                 $17,383          $970                   1.65                     
  $ 20001 -  25000                 $22,222        $1,230                   2.13                     
  $ 25001 -  30000                 $27,373        $1,551                   2.50                     
  $ 30001 -  35000                 $32,328        $1,930                   2.64                     
  $ 35001 -  40000                 $37,502        $1,681                   3.81                     
  $ 40001 -  45000                 $42,607        $1,921                   4.15                     
  $ 45001 -  50000                 $47,479        $2,602                   4.14                     
  $ 50001 -  75000                 $62,614        $3,956                   4.41                     
  $ 75001 - 100000                 $86,673        $7,410                   4.65                     
  $100001 - 250000                $142,093       $21,005                   4.67                     
  OVER $250,000                   $570,903      $152,396                   4.76                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $54,239        $6,988                   2.61                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   HILL AFB UT                                                      
                        _________________________________________________                           
  UNDER $ 5,000         108       $299,316        $3,408      1.14          22                      
  $  5001 -  10000      179     $1,422,928       $38,026      2.67         164                      
  $ 10001 -  15000      381     $4,822,936      $263,879      5.47         518                      
  $ 15001 -  20000      218     $3,778,016      $135,268      3.58         525                      
  $ 20001 -  25000      221     $4,961,141      $118,773      2.39         717                      
  $ 25001 -  30000      170     $4,651,652      $151,350      3.25         598                      
  $ 30001 -  35000      137     $4,430,528      $191,647      4.33         478                      
  $ 35001 -  40000      108     $4,039,886      $193,563      4.79         406                      
  $ 40001 -  45000       87     $3,679,013      $237,133      6.45         319                      
  $ 45001 -  50000       59     $2,773,301      $192,767      6.95         224                      
  $ 50001 -  75000      111     $6,496,268      $578,577      8.91         422                      
  $ 75001 - 250000       30     $2,830,138      $420,988     14.88         107                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,809     $44,185,123    $2,525,379      5.72        4,500                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000        6.0             0.7           0.1                    0.5                     
  $  5001 -  10000     9.9             3.2           1.5                    3.6                     
  $ 10001 -  15000    21.1            10.9          10.4                   11.5                     
  $ 15001 -  20000    12.1             8.6           5.4                   11.7                     
  $ 20001 -  25000    12.2            11.2           4.7                   15.9                     
  $ 25001 -  30000     9.4            10.5           6.0                   13.3                     
  $ 30001 -  35000     7.6            10.0           7.6                   10.6                     
  $ 35001 -  40000     6.0             9.1           7.7                    9.0                     
  $ 40001 -  45000     4.8             8.3           9.4                    7.1                     
  $ 45001 -  50000     3.3             6.3           7.6                    5.0                     
  $ 50001 -  75000     6.1            14.7          22.9                    9.4                     
  $ 75001 - 250000     1.7             6.4          16.7                    2.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,771           $32                   0.20                     
  $  5001 -  10000                  $7,949          $212                   0.92                     
  $ 10001 -  15000                 $12,659          $693                   1.36                     
  $ 15001 -  20000                 $17,330          $620                   2.41                     
  $ 20001 -  25000                 $22,449          $537                   3.24                     
  $ 25001 -  30000                 $27,363          $890                   3.52                     
  $ 30001 -  35000                 $32,340        $1,399                   3.49                     
  $ 35001 -  40000                 $37,406        $1,792                   3.76                     
  $ 40001 -  45000                 $42,288        $2,726                   3.67                     
  $ 45001 -  50000                 $47,005        $3,267                   3.80                     
  $ 50001 -  75000                 $58,525        $5,212                   3.80                     
  $ 75001 - 250000                 $94,338       $14,033                   3.57                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $24,425        $1,396                   2.49                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   HOLLADAY UT                                                      
                        _________________________________________________                           
  UNDER $1               14      $-156,631            $0      0.00          22                      
  $     1  -  5000      145       $394,076        $2,451      0.62          94                      
  $  5001 -  10000      199     $1,475,622       $36,042      2.44         203                      
  $ 10001 -  15000      172     $2,156,044      $104,550      4.85         211                      
  $ 15001 -  20000      163     $2,884,886      $168,152      5.83         257                      
  $ 20001 -  25000      153     $3,432,568      $242,615      7.07         260                      
  $ 25001 -  30000      151     $4,130,728      $309,555      7.49         275                      
  $ 30001 -  35000      128     $4,111,438      $327,154      7.96         255                      
  $ 35001 -  40000       92     $3,446,867      $293,849      8.53         206                      
  $ 40001 -  45000       84     $3,557,689      $328,108      9.22         187                      
  $ 45001 -  50000       54     $2,554,921      $261,214     10.22         114                      
  $ 50001 -  75000      186    $11,336,252    $1,142,856     10.08         522                      
  $ 75001 - 100000       86     $7,365,864      $911,956     12.38         250                      
  $100001 - 250000       84    $12,144,724    $2,065,517     17.01         293                      
  OVER $250,000          19    $12,835,962    $3,729,483     29.05          63                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,730     $71,671,010    $9,923,502     13.85        3,212                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -0.2           0.0                    0.7                     
  $     1  -  5000     8.4             0.5           0.0                    2.9                     
  $  5001 -  10000    11.5             2.1           0.4                    6.3                     
  $ 10001 -  15000     9.9             3.0           1.1                    6.6                     
  $ 15001 -  20000     9.4             4.0           1.7                    8.0                     
  $ 20001 -  25000     8.8             4.8           2.4                    8.1                     
  $ 25001 -  30000     8.7             5.8           3.1                    8.6                     
  $ 30001 -  35000     7.4             5.7           3.3                    7.9                     
  $ 35001 -  40000     5.3             4.8           3.0                    6.4                     
  $ 40001 -  45000     4.9             5.0           3.3                    5.8                     
  $ 45001 -  50000     3.1             3.6           2.6                    3.5                     
  $ 50001 -  75000    10.8            15.8          11.5                   16.3                     
  $ 75001 - 100000     5.0            10.3           9.2                    7.8                     
  $100001 - 250000     4.9            16.9          20.8                    9.1                     
  OVER $250,000        1.1            17.9          37.6                    2.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-11,188            $0                   1.57                     
  $     1  -  5000                  $2,718           $17                   0.65                     
  $  5001 -  10000                  $7,415          $181                   1.02                     
  $ 10001 -  15000                 $12,535          $608                   1.23                     
  $ 15001 -  20000                 $17,699        $1,032                   1.58                     
  $ 20001 -  25000                 $22,435        $1,586                   1.70                     
  $ 25001 -  30000                 $27,356        $2,050                   1.82                     
  $ 30001 -  35000                 $32,121        $2,556                   1.99                     
  $ 35001 -  40000                 $37,466        $3,194                   2.24                     
  $ 40001 -  45000                 $42,353        $3,906                   2.23                     
  $ 45001 -  50000                 $47,313        $4,837                   2.11                     
  $ 50001 -  75000                 $60,948        $6,144                   2.81                     
  $ 75001 - 100000                 $85,650       $10,604                   2.91                     
  $100001 - 250000                $144,580       $24,589                   3.49                     
  OVER $250,000                   $675,577      $196,289                   3.32                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $41,428        $5,736                   1.86                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   HOOPER UT                                                        
                        _________________________________________________                           
  UNDER $1               15    $-2,026,745            $0      0.00          36                      
  $     1  -  5000      303       $759,713        $7,140      0.94          86                      
  $  5001 -  10000      247     $1,776,004       $63,421      3.57         175                      
  $ 10001 -  15000      198     $2,464,711      $117,087      4.75         274                      
  $ 15001 -  20000      168     $2,934,904      $161,558      5.50         275                      
  $ 20001 -  25000      160     $3,597,465      $250,611      6.97         281                      
  $ 25001 -  30000      119     $3,265,891      $237,560      7.27         229                      
  $ 30001 -  35000      122     $3,949,524      $262,751      6.65         309                      
  $ 35001 -  40000      129     $4,861,862      $361,180      7.43         341                      
  $ 40001 -  45000      128     $5,418,945      $369,388      6.82         412                      
  $ 45001 -  50000      121     $5,756,037      $413,282      7.18         400                      
  $ 50001 -  75000      597    $36,981,985    $3,060,815      8.28       2,133                      
  $ 75001 - 100000      267    $22,635,901    $2,500,021     11.04       1,007                      
  OVER $100,000         127    $17,710,767    $2,970,553     16.77         456                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,701    $110,086,964   $10,775,367      9.79        6,414                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.6            -1.8           0.0                    0.6                     
  $     1  -  5000    11.2             0.7           0.1                    1.3                     
  $  5001 -  10000     9.1             1.6           0.6                    2.7                     
  $ 10001 -  15000     7.3             2.2           1.1                    4.3                     
  $ 15001 -  20000     6.2             2.7           1.5                    4.3                     
  $ 20001 -  25000     5.9             3.3           2.3                    4.4                     
  $ 25001 -  30000     4.4             3.0           2.2                    3.6                     
  $ 30001 -  35000     4.5             3.6           2.4                    4.8                     
  $ 35001 -  40000     4.8             4.4           3.4                    5.3                     
  $ 40001 -  45000     4.7             4.9           3.4                    6.4                     
  $ 45001 -  50000     4.5             5.2           3.8                    6.2                     
  $ 50001 -  75000    22.1            33.6          28.4                   33.3                     
  $ 75001 - 100000     9.9            20.6          23.2                   15.7                     
  OVER $100,000        4.7            16.1          27.6                    7.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-135116            $0                   2.40                     
  $     1  -  5000                  $2,507           $24                   0.28                     
  $  5001 -  10000                  $7,190          $257                   0.71                     
  $ 10001 -  15000                 $12,448          $591                   1.38                     
  $ 15001 -  20000                 $17,470          $962                   1.64                     
  $ 20001 -  25000                 $22,484        $1,566                   1.76                     
  $ 25001 -  30000                 $27,444        $1,996                   1.92                     
  $ 30001 -  35000                 $32,373        $2,154                   2.53                     
  $ 35001 -  40000                 $37,689        $2,800                   2.64                     
  $ 40001 -  45000                 $42,336        $2,886                   3.22                     
  $ 45001 -  50000                 $47,571        $3,416                   3.31                     
  $ 50001 -  75000                 $61,946        $5,127                   3.57                     
  $ 75001 - 100000                 $84,779        $9,363                   3.77                     
  OVER $100,000                   $139,455       $23,390                   3.59                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $40,758        $3,989                   2.37                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   HUNTINGTON UT                                                    
                        _________________________________________________                           
  UNDER $ 5,000         127       $276,526        $1,786      0.65          69                      
  $  5001 -  10000      115       $855,628       $17,950      2.10         166                      
  $ 10001 -  15000       95     $1,174,732       $37,246      3.17         175                      
  $ 15001 -  20000       73     $1,281,186       $45,504      3.55         185                      
  $ 20001 -  25000       63     $1,424,128       $57,794      4.06         206                      
  $ 25001 -  30000       61     $1,678,661       $75,926      4.52         191                      
  $ 30001 -  35000       51     $1,637,169       $89,169      5.45         179                      
  $ 35001 -  40000       52     $1,951,734      $122,505      6.28         170                      
  $ 40001 -  45000       55     $2,341,744      $171,857      7.34         178                      
  $ 45001 -  50000       42     $1,993,331      $143,993      7.22         164                      
  $ 50001 -  75000      169    $10,241,278      $934,064      9.12         626                      
  $ 75001 - 100000       44     $3,723,144      $479,586     12.88         157                      
  OVER $100,000          17     $2,650,821      $503,805     19.01          63                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                964     $31,230,082    $2,681,185      8.59        2,529                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       13.2             0.9           0.1                    2.7                     
  $  5001 -  10000    11.9             2.7           0.7                    6.6                     
  $ 10001 -  15000     9.9             3.8           1.4                    6.9                     
  $ 15001 -  20000     7.6             4.1           1.7                    7.3                     
  $ 20001 -  25000     6.5             4.6           2.2                    8.1                     
  $ 25001 -  30000     6.3             5.4           2.8                    7.6                     
  $ 30001 -  35000     5.3             5.2           3.3                    7.1                     
  $ 35001 -  40000     5.4             6.2           4.6                    6.7                     
  $ 40001 -  45000     5.7             7.5           6.4                    7.0                     
  $ 45001 -  50000     4.4             6.4           5.4                    6.5                     
  $ 50001 -  75000    17.5            32.8          34.8                   24.8                     
  $ 75001 - 100000     4.6            11.9          17.9                    6.2                     
  OVER $100,000        1.8             8.5          18.8                    2.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,177           $14                   0.54                     
  $  5001 -  10000                  $7,440          $156                   1.44                     
  $ 10001 -  15000                 $12,366          $392                   1.84                     
  $ 15001 -  20000                 $17,550          $623                   2.53                     
  $ 20001 -  25000                 $22,605          $917                   3.27                     
  $ 25001 -  30000                 $27,519        $1,245                   3.13                     
  $ 30001 -  35000                 $32,101        $1,748                   3.51                     
  $ 35001 -  40000                 $37,533        $2,356                   3.27                     
  $ 40001 -  45000                 $42,577        $3,125                   3.24                     
  $ 45001 -  50000                 $47,460        $3,428                   3.90                     
  $ 50001 -  75000                 $60,599        $5,527                   3.70                     
  $ 75001 - 100000                 $84,617       $10,900                   3.57                     
  OVER $100,000                   $155,931       $29,636                   3.71                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $32,396        $2,781                   2.62                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   HUNTSVILLE UT                                                    
                        _________________________________________________                           
  UNDER $ 5,000         127      $-460,157        $2,531     -0.55          58                      
  $  5001 -  10000       81       $575,443       $14,681      2.55          79                      
  $ 10001 -  15000       71       $908,887       $37,149      4.09         112                      
  $ 15001 -  20000       54       $933,979       $43,221      4.63          92                      
  $ 20001 -  25000       54     $1,218,217       $71,282      5.85         123                      
  $ 25001 -  30000       38     $1,042,864       $71,135      6.82          76                      
  $ 30001 -  35000       34     $1,095,537       $78,251      7.14          72                      
  $ 35001 -  40000       35     $1,306,051      $102,245      7.83          84                      
  $ 40001 -  45000       30     $1,270,890      $108,314      8.52          80                      
  $ 45001 -  50000       29     $1,388,185      $103,944      7.49          94                      
  $ 50001 -  75000      129     $7,910,755      $707,211      8.94         442                      
  $ 75001 - 100000       67     $5,651,257      $613,564     10.86         260                      
  $100001 - 250000       62     $8,797,296    $1,446,096     16.44         232                      
  OVER $250,000          12     $5,023,041    $1,301,098     25.90          47                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                823     $36,662,245    $4,700,722     12.82        1,851                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       15.4            -1.3           0.1                    3.1                     
  $  5001 -  10000     9.8             1.6           0.3                    4.3                     
  $ 10001 -  15000     8.6             2.5           0.8                    6.1                     
  $ 15001 -  20000     6.6             2.5           0.9                    5.0                     
  $ 20001 -  25000     6.6             3.3           1.5                    6.6                     
  $ 25001 -  30000     4.6             2.8           1.5                    4.1                     
  $ 30001 -  35000     4.1             3.0           1.7                    3.9                     
  $ 35001 -  40000     4.3             3.6           2.2                    4.5                     
  $ 40001 -  45000     3.6             3.5           2.3                    4.3                     
  $ 45001 -  50000     3.5             3.8           2.2                    5.1                     
  $ 50001 -  75000    15.7            21.6          15.0                   23.9                     
  $ 75001 - 100000     8.1            15.4          13.1                   14.0                     
  $100001 - 250000     7.5            24.0          30.8                   12.5                     
  OVER $250,000        1.5            13.7          27.7                    2.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                    $-3,623           $20                   0.46                     
  $  5001 -  10000                  $7,104          $181                   0.98                     
  $ 10001 -  15000                 $12,801          $523                   1.58                     
  $ 15001 -  20000                 $17,296          $800                   1.70                     
  $ 20001 -  25000                 $22,560        $1,320                   2.28                     
  $ 25001 -  30000                 $27,444        $1,872                   2.00                     
  $ 30001 -  35000                 $32,222        $2,302                   2.12                     
  $ 35001 -  40000                 $37,316        $2,921                   2.40                     
  $ 40001 -  45000                 $42,363        $3,610                   2.67                     
  $ 45001 -  50000                 $47,868        $3,584                   3.24                     
  $ 50001 -  75000                 $61,324        $5,482                   3.43                     
  $ 75001 - 100000                 $84,347        $9,158                   3.88                     
  $100001 - 250000                $141,892       $23,324                   3.74                     
  OVER $250,000                   $418,587      $108,425                   3.92                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $44,547        $5,712                   2.25                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   HURRICANE UT                                                     
                        _________________________________________________                           
  UNDER $1               31    $-1,047,709            $0      0.00          85                      
  $     1  -  5000      376     $1,050,468        $4,054      0.39         256                      
  $  5001 -  10000      352     $2,655,617       $60,550      2.28         477                      
  $ 10001 -  15000      347     $4,348,425      $128,055      2.94         691                      
  $ 15001 -  20000      278     $4,892,595      $181,002      3.70         654                      
  $ 20001 -  25000      267     $5,956,189      $270,350      4.54         660                      
  $ 25001 -  30000      211     $5,765,379      $317,515      5.51         564                      
  $ 30001 -  35000      202     $6,512,300      $329,226      5.06         640                      
  $ 35001 -  40000      164     $6,156,693      $345,430      5.61         563                      
  $ 40001 -  45000      147     $6,250,397      $423,610      6.78         482                      
  $ 45001 -  50000      120     $5,685,728      $394,174      6.93         419                      
  $ 50001 -  75000      363    $21,863,177    $1,796,893      8.22       1,258                      
  $ 75001 - 100000       95     $8,093,785      $894,897     11.06         311                      
  OVER $100,000          63    $12,828,854    $2,666,835     20.79         201                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,016     $91,011,898    $7,812,591      8.58        7,261                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.0            -1.2           0.0                    1.2                     
  $     1  -  5000    12.5             1.2           0.1                    3.5                     
  $  5001 -  10000    11.7             2.9           0.8                    6.6                     
  $ 10001 -  15000    11.5             4.8           1.6                    9.5                     
  $ 15001 -  20000     9.2             5.4           2.3                    9.0                     
  $ 20001 -  25000     8.9             6.5           3.5                    9.1                     
  $ 25001 -  30000     7.0             6.3           4.1                    7.8                     
  $ 30001 -  35000     6.7             7.2           4.2                    8.8                     
  $ 35001 -  40000     5.4             6.8           4.4                    7.8                     
  $ 40001 -  45000     4.9             6.9           5.4                    6.6                     
  $ 45001 -  50000     4.0             6.2           5.0                    5.8                     
  $ 50001 -  75000    12.0            24.0          23.0                   17.3                     
  $ 75001 - 100000     3.1             8.9          11.5                    4.3                     
  OVER $100,000        2.1            14.1          34.1                    2.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-33,797            $0                   2.74                     
  $     1  -  5000                  $2,794           $11                   0.68                     
  $  5001 -  10000                  $7,544          $172                   1.36                     
  $ 10001 -  15000                 $12,531          $369                   1.99                     
  $ 15001 -  20000                 $17,599          $651                   2.35                     
  $ 20001 -  25000                 $22,308        $1,013                   2.47                     
  $ 25001 -  30000                 $27,324        $1,505                   2.67                     
  $ 30001 -  35000                 $32,239        $1,630                   3.17                     
  $ 35001 -  40000                 $37,541        $2,106                   3.43                     
  $ 40001 -  45000                 $42,520        $2,882                   3.28                     
  $ 45001 -  50000                 $47,381        $3,285                   3.49                     
  $ 50001 -  75000                 $60,229        $4,950                   3.47                     
  $ 75001 - 100000                 $85,198        $9,420                   3.27                     
  OVER $100,000                   $203,633       $42,331                   3.19                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,176        $2,590                   2.41                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   HYDE PARK UT                                                     
                        _________________________________________________                           
  UNDER $ 5,000         178       $388,486        $5,899      1.52          35                      
  $  5001 -  10000      143     $1,055,908       $36,859      3.49         100                      
  $ 10001 -  15000       91     $1,140,987       $52,808      4.63         118                      
  $ 15001 -  20000       70     $1,219,822       $60,713      4.98         123                      
  $ 20001 -  25000       59     $1,333,660       $64,981      4.87         160                      
  $ 25001 -  30000       54     $1,482,540       $91,465      6.17         127                      
  $ 30001 -  35000       56     $1,819,482      $118,768      6.53         148                      
  $ 35001 -  40000       61     $2,301,306      $109,377      4.75         222                      
  $ 40001 -  45000       55     $2,327,946      $137,325      5.90         209                      
  $ 45001 -  50000       48     $2,281,721      $149,166      6.54         189                      
  $ 50001 -  75000      201    $12,231,580      $910,623      7.44         829                      
  $ 75001 - 100000       94     $8,089,879      $871,430     10.77         389                      
  OVER $100,000          59     $9,400,895    $1,660,152     17.66         241                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,169     $45,074,212    $4,269,566      9.47        2,890                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       15.2             0.9           0.1                    1.2                     
  $  5001 -  10000    12.2             2.3           0.9                    3.5                     
  $ 10001 -  15000     7.8             2.5           1.2                    4.1                     
  $ 15001 -  20000     6.0             2.7           1.4                    4.3                     
  $ 20001 -  25000     5.0             3.0           1.5                    5.5                     
  $ 25001 -  30000     4.6             3.3           2.1                    4.4                     
  $ 30001 -  35000     4.8             4.0           2.8                    5.1                     
  $ 35001 -  40000     5.2             5.1           2.6                    7.7                     
  $ 40001 -  45000     4.7             5.2           3.2                    7.2                     
  $ 45001 -  50000     4.1             5.1           3.5                    6.5                     
  $ 50001 -  75000    17.2            27.1          21.3                   28.7                     
  $ 75001 - 100000     8.0            17.9          20.4                   13.5                     
  OVER $100,000        5.0            20.9          38.9                    8.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,183           $33                   0.20                     
  $  5001 -  10000                  $7,384          $258                   0.70                     
  $ 10001 -  15000                 $12,538          $580                   1.30                     
  $ 15001 -  20000                 $17,426          $867                   1.76                     
  $ 20001 -  25000                 $22,604        $1,101                   2.71                     
  $ 25001 -  30000                 $27,454        $1,694                   2.35                     
  $ 30001 -  35000                 $32,491        $2,121                   2.64                     
  $ 35001 -  40000                 $37,726        $1,793                   3.64                     
  $ 40001 -  45000                 $42,326        $2,497                   3.80                     
  $ 45001 -  50000                 $47,536        $3,108                   3.94                     
  $ 50001 -  75000                 $60,854        $4,530                   4.12                     
  $ 75001 - 100000                 $86,063        $9,271                   4.14                     
  OVER $100,000                   $159,337       $28,138                   4.08                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $38,558        $3,652                   2.47                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   HYRUM UT                                                         
                        _________________________________________________                           
  UNDER $1               10      $-432,801        $9,850     -2.28          24                      
  $     1  -  5000      277       $786,083        $5,391      0.69         106                      
  $  5001 -  10000      220     $1,612,063       $43,600      2.70         210                      
  $ 10001 -  15000      215     $2,660,794      $116,248      4.37         333                      
  $ 15001 -  20000      199     $3,472,090      $149,668      4.31         434                      
  $ 20001 -  25000      170     $3,813,921      $185,598      4.87         438                      
  $ 25001 -  30000      161     $4,459,526      $187,934      4.21         517                      
  $ 30001 -  35000      154     $5,013,731      $249,292      4.97         523                      
  $ 35001 -  40000      148     $5,550,166      $271,065      4.88         563                      
  $ 40001 -  45000      158     $6,689,273      $389,889      5.83         623                      
  $ 45001 -  50000      108     $5,119,635      $335,904      6.56         406                      
  $ 50001 -  75000      359    $21,358,652    $1,682,139      7.88       1,406                      
  $ 75001 - 100000       80     $6,695,717      $807,228     12.06         286                      
  OVER $100,000          49    $10,723,422    $1,835,241     17.11         186                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,308     $77,522,272    $6,269,047      8.09        6,055                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.6           0.2                    0.4                     
  $     1  -  5000    12.0             1.0           0.1                    1.8                     
  $  5001 -  10000     9.5             2.1           0.7                    3.5                     
  $ 10001 -  15000     9.3             3.4           1.9                    5.5                     
  $ 15001 -  20000     8.6             4.5           2.4                    7.2                     
  $ 20001 -  25000     7.4             4.9           3.0                    7.2                     
  $ 25001 -  30000     7.0             5.8           3.0                    8.5                     
  $ 30001 -  35000     6.7             6.5           4.0                    8.6                     
  $ 35001 -  40000     6.4             7.2           4.3                    9.3                     
  $ 40001 -  45000     6.8             8.6           6.2                   10.3                     
  $ 45001 -  50000     4.7             6.6           5.4                    6.7                     
  $ 50001 -  75000    15.6            27.6          26.8                   23.2                     
  $ 75001 - 100000     3.5             8.6          12.9                    4.7                     
  OVER $100,000        2.1            13.8          29.3                    3.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-43,280          $985                   2.40                     
  $     1  -  5000                  $2,838           $19                   0.38                     
  $  5001 -  10000                  $7,328          $198                   0.95                     
  $ 10001 -  15000                 $12,376          $541                   1.55                     
  $ 15001 -  20000                 $17,448          $752                   2.18                     
  $ 20001 -  25000                 $22,435        $1,092                   2.58                     
  $ 25001 -  30000                 $27,699        $1,167                   3.21                     
  $ 30001 -  35000                 $32,557        $1,619                   3.40                     
  $ 35001 -  40000                 $37,501        $1,832                   3.80                     
  $ 40001 -  45000                 $42,337        $2,468                   3.94                     
  $ 45001 -  50000                 $47,404        $3,110                   3.76                     
  $ 50001 -  75000                 $59,495        $4,686                   3.92                     
  $ 75001 - 100000                 $83,696       $10,090                   3.58                     
  OVER $100,000                   $218,845       $37,454                   3.80                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $33,589        $2,716                   2.62                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   IVINS UT                                                         
                        _________________________________________________                           
  UNDER $1               18      $-347,022        $1,504     -0.43          40                      
  $     1  -  5000      153       $404,058        $1,135      0.28          92                      
  $  5001 -  10000      157     $1,179,540       $23,486      1.99         198                      
  $ 10001 -  15000      163     $2,026,201       $61,964      3.06         293                      
  $ 15001 -  20000      153     $2,675,374      $110,939      4.15         312                      
  $ 20001 -  25000      116     $2,606,256      $130,010      4.99         256                      
  $ 25001 -  30000      104     $2,850,571      $140,644      4.93         305                      
  $ 30001 -  35000      118     $3,847,125      $237,734      6.18         314                      
  $ 35001 -  40000      124     $4,634,520      $249,469      5.38         412                      
  $ 40001 -  45000      105     $4,465,144      $298,349      6.68         328                      
  $ 45001 -  50000       81     $3,819,865      $254,970      6.67         272                      
  $ 50001 -  75000      227    $13,564,234    $1,157,187      8.53         765                      
  $ 75001 - 100000       84     $7,235,102      $964,365     13.33         220                      
  OVER $100,000          51     $9,548,995    $2,094,684     21.94         140                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,654     $58,509,963    $5,726,440      9.79        3,947                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -0.6           0.0                    1.0                     
  $     1  -  5000     9.3             0.7           0.0                    2.3                     
  $  5001 -  10000     9.5             2.0           0.4                    5.0                     
  $ 10001 -  15000     9.9             3.5           1.1                    7.4                     
  $ 15001 -  20000     9.3             4.6           1.9                    7.9                     
  $ 20001 -  25000     7.0             4.5           2.3                    6.5                     
  $ 25001 -  30000     6.3             4.9           2.5                    7.7                     
  $ 30001 -  35000     7.1             6.6           4.2                    8.0                     
  $ 35001 -  40000     7.5             7.9           4.4                   10.4                     
  $ 40001 -  45000     6.3             7.6           5.2                    8.3                     
  $ 45001 -  50000     4.9             6.5           4.5                    6.9                     
  $ 50001 -  75000    13.7            23.2          20.2                   19.4                     
  $ 75001 - 100000     5.1            12.4          16.8                    5.6                     
  OVER $100,000        3.1            16.3          36.6                    3.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-19,279           $84                   2.22                     
  $     1  -  5000                  $2,641            $7                   0.60                     
  $  5001 -  10000                  $7,513          $150                   1.26                     
  $ 10001 -  15000                 $12,431          $380                   1.80                     
  $ 15001 -  20000                 $17,486          $725                   2.04                     
  $ 20001 -  25000                 $22,468        $1,121                   2.21                     
  $ 25001 -  30000                 $27,409        $1,352                   2.93                     
  $ 30001 -  35000                 $32,603        $2,015                   2.66                     
  $ 35001 -  40000                 $37,375        $2,012                   3.32                     
  $ 40001 -  45000                 $42,525        $2,841                   3.12                     
  $ 45001 -  50000                 $47,159        $3,148                   3.36                     
  $ 50001 -  75000                 $59,754        $5,098                   3.37                     
  $ 75001 - 100000                 $86,132       $11,481                   2.62                     
  OVER $100,000                   $187,235       $41,072                   2.75                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $35,375        $3,462                   2.39                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   KAMAS UT                                                         
                        _________________________________________________                           
  UNDER $1               13      $-179,299            $0      0.00          30                      
  $     1  -  5000      181       $507,648        $4,273      0.84          69                      
  $  5001 -  10000      153     $1,123,049       $34,720      3.09         136                      
  $ 10001 -  15000      118     $1,472,759       $60,418      4.10         180                      
  $ 15001 -  20000      119     $2,070,714      $113,204      5.47         225                      
  $ 20001 -  25000      127     $2,867,078      $158,838      5.54         275                      
  $ 25001 -  30000       93     $2,525,464      $167,334      6.63         203                      
  $ 30001 -  35000       86     $2,796,402      $184,543      6.60         229                      
  $ 35001 -  40000       70     $2,635,007      $175,722      6.67         201                      
  $ 40001 -  45000       73     $3,073,500      $208,322      6.78         239                      
  $ 45001 -  50000       69     $3,283,113      $194,995      5.94         261                      
  $ 50001 -  75000      224    $13,563,977    $1,166,196      8.60         763                      
  $ 75001 - 100000       69     $5,773,916      $603,730     10.46         228                      
  OVER $100,000          42     $6,298,260    $1,051,968     16.70         142                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,437     $47,811,588    $4,124,263      8.63        3,181                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.9            -0.4           0.0                    0.9                     
  $     1  -  5000    12.6             1.1           0.1                    2.2                     
  $  5001 -  10000    10.6             2.3           0.8                    4.3                     
  $ 10001 -  15000     8.2             3.1           1.5                    5.7                     
  $ 15001 -  20000     8.3             4.3           2.7                    7.1                     
  $ 20001 -  25000     8.8             6.0           3.9                    8.6                     
  $ 25001 -  30000     6.5             5.3           4.1                    6.4                     
  $ 30001 -  35000     6.0             5.8           4.5                    7.2                     
  $ 35001 -  40000     4.9             5.5           4.3                    6.3                     
  $ 40001 -  45000     5.1             6.4           5.1                    7.5                     
  $ 45001 -  50000     4.8             6.9           4.7                    8.2                     
  $ 50001 -  75000    15.6            28.4          28.3                   24.0                     
  $ 75001 - 100000     4.8            12.1          14.6                    7.2                     
  OVER $100,000        2.9            13.2          25.5                    4.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-13,792            $0                   2.31                     
  $     1  -  5000                  $2,805           $24                   0.38                     
  $  5001 -  10000                  $7,340          $227                   0.89                     
  $ 10001 -  15000                 $12,481          $512                   1.53                     
  $ 15001 -  20000                 $17,401          $951                   1.89                     
  $ 20001 -  25000                 $22,575        $1,251                   2.17                     
  $ 25001 -  30000                 $27,156        $1,799                   2.18                     
  $ 30001 -  35000                 $32,516        $2,146                   2.66                     
  $ 35001 -  40000                 $37,643        $2,510                   2.87                     
  $ 40001 -  45000                 $42,103        $2,854                   3.27                     
  $ 45001 -  50000                 $47,581        $2,826                   3.78                     
  $ 50001 -  75000                 $60,553        $5,206                   3.41                     
  $ 75001 - 100000                 $83,680        $8,750                   3.30                     
  OVER $100,000                   $149,959       $25,047                   3.38                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $33,272        $2,870                   2.21                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   KANAB UT                                                         
                        _________________________________________________                           
  UNDER $1               30      $-961,544        $1,255     -0.13          62                      
  $     1  -  5000      241       $620,003        $2,479      0.40         120                      
  $  5001 -  10000      188     $1,396,496       $30,062      2.15         216                      
  $ 10001 -  15000      186     $2,304,085       $72,897      3.16         364                      
  $ 15001 -  20000      187     $3,258,422      $140,427      4.31         382                      
  $ 20001 -  25000      138     $3,085,331      $172,409      5.59         289                      
  $ 25001 -  30000      110     $3,030,806      $168,771      5.57         288                      
  $ 30001 -  35000       85     $2,727,772      $168,160      6.16         214                      
  $ 35001 -  40000       69     $2,596,121      $192,847      7.43         197                      
  $ 40001 -  45000       76     $3,231,897      $232,313      7.19         236                      
  $ 45001 -  50000       62     $2,948,142      $229,796      7.79         191                      
  $ 50001 -  75000      195    $11,868,550    $1,091,831      9.20         655                      
  $ 75001 - 100000       56     $4,789,261      $603,690     12.61         183                      
  OVER $100,000          35     $5,886,843    $1,168,230     19.84         117                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,658     $46,782,185    $4,275,167      9.14        3,514                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.8            -2.1           0.0                    1.8                     
  $     1  -  5000    14.5             1.3           0.1                    3.4                     
  $  5001 -  10000    11.3             3.0           0.7                    6.1                     
  $ 10001 -  15000    11.2             4.9           1.7                   10.4                     
  $ 15001 -  20000    11.3             7.0           3.3                   10.9                     
  $ 20001 -  25000     8.3             6.6           4.0                    8.2                     
  $ 25001 -  30000     6.6             6.5           3.9                    8.2                     
  $ 30001 -  35000     5.1             5.8           3.9                    6.1                     
  $ 35001 -  40000     4.2             5.5           4.5                    5.6                     
  $ 40001 -  45000     4.6             6.9           5.4                    6.7                     
  $ 45001 -  50000     3.7             6.3           5.4                    5.4                     
  $ 50001 -  75000    11.8            25.4          25.5                   18.6                     
  $ 75001 - 100000     3.4            10.2          14.1                    5.2                     
  OVER $100,000        2.1            12.6          27.3                    3.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-32,051           $42                   2.07                     
  $     1  -  5000                  $2,573           $10                   0.50                     
  $  5001 -  10000                  $7,428          $160                   1.15                     
  $ 10001 -  15000                 $12,388          $392                   1.96                     
  $ 15001 -  20000                 $17,425          $751                   2.04                     
  $ 20001 -  25000                 $22,357        $1,249                   2.09                     
  $ 25001 -  30000                 $27,553        $1,534                   2.62                     
  $ 30001 -  35000                 $32,091        $1,978                   2.52                     
  $ 35001 -  40000                 $37,625        $2,795                   2.86                     
  $ 40001 -  45000                 $42,525        $3,057                   3.11                     
  $ 45001 -  50000                 $47,551        $3,706                   3.08                     
  $ 50001 -  75000                 $60,864        $5,599                   3.36                     
  $ 75001 - 100000                 $85,523       $10,780                   3.27                     
  OVER $100,000                   $168,196       $33,378                   3.34                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $28,216        $2,579                   2.12                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   KAYSVILLE UT                                                     
                        _________________________________________________                           
  UNDER $1               20    $-1,953,723            $0      0.00          45                      
  $     1  -  5000    1,240     $3,263,468       $26,028      0.80         305                      
  $  5001 -  10000      817     $5,998,323      $240,829      4.01         479                      
  $ 10001 -  15000      538     $6,677,485      $352,467      5.28         634                      
  $ 15001 -  20000      477     $8,361,589      $490,731      5.87         741                      
  $ 20001 -  25000      375     $8,381,679      $510,439      6.09         737                      
  $ 25001 -  30000      368    $10,112,803      $693,664      6.86         770                      
  $ 30001 -  35000      340    $11,052,966      $739,455      6.69         853                      
  $ 35001 -  40000      323    $12,133,928      $813,973      6.71         940                      
  $ 40001 -  45000      353    $15,029,532    $1,013,475      6.74       1,130                      
  $ 45001 -  50000      306    $14,541,810      $999,386      6.87       1,044                      
  $ 50001 -  75000    1,597    $98,497,127    $7,174,711      7.28       6,350                      
  $ 75001 - 100000      824    $70,554,619    $7,083,118     10.04       3,350                      
  $100001 - 250000      590    $78,106,331   $11,708,630     14.99       2,500                      
  OVER $250,000          61    $36,782,216    $9,263,928     25.19         247                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,229    $377,540,153   $41,110,834     10.89       20,125                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.2            -0.5           0.0                    0.2                     
  $     1  -  5000    15.1             0.9           0.1                    1.5                     
  $  5001 -  10000     9.9             1.6           0.6                    2.4                     
  $ 10001 -  15000     6.5             1.8           0.9                    3.2                     
  $ 15001 -  20000     5.8             2.2           1.2                    3.7                     
  $ 20001 -  25000     4.6             2.2           1.2                    3.7                     
  $ 25001 -  30000     4.5             2.7           1.7                    3.8                     
  $ 30001 -  35000     4.1             2.9           1.8                    4.2                     
  $ 35001 -  40000     3.9             3.2           2.0                    4.7                     
  $ 40001 -  45000     4.3             4.0           2.5                    5.6                     
  $ 45001 -  50000     3.7             3.9           2.4                    5.2                     
  $ 50001 -  75000    19.4            26.1          17.5                   31.6                     
  $ 75001 - 100000    10.0            18.7          17.2                   16.6                     
  $100001 - 250000     7.2            20.7          28.5                   12.4                     
  OVER $250,000        0.7             9.7          22.5                    1.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-97,686            $0                   2.25                     
  $     1  -  5000                  $2,632           $21                   0.25                     
  $  5001 -  10000                  $7,342          $295                   0.59                     
  $ 10001 -  15000                 $12,412          $655                   1.18                     
  $ 15001 -  20000                 $17,530        $1,029                   1.55                     
  $ 20001 -  25000                 $22,351        $1,361                   1.97                     
  $ 25001 -  30000                 $27,480        $1,885                   2.09                     
  $ 30001 -  35000                 $32,509        $2,175                   2.51                     
  $ 35001 -  40000                 $37,566        $2,520                   2.91                     
  $ 40001 -  45000                 $42,577        $2,871                   3.20                     
  $ 45001 -  50000                 $47,522        $3,266                   3.41                     
  $ 50001 -  75000                 $61,676        $4,493                   3.98                     
  $ 75001 - 100000                 $85,625        $8,596                   4.07                     
  $100001 - 250000                $132,384       $19,845                   4.24                     
  OVER $250,000                   $602,987      $151,868                   4.05                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $45,879        $4,996                   2.45                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   KEARNS UT                                                        
                        _________________________________________________                           
  UNDER $1               25      $-261,274        $1,219     -0.47          44                      
  $     1  -  5000    1,115     $3,084,828        $7,735      0.25         715                      
  $  5001 -  10000    1,304     $9,684,035      $219,315      2.26       1,580                      
  $ 10001 -  15000    1,257    $15,770,703      $591,302      3.75       2,155                      
  $ 15001 -  20000    1,346    $23,548,113    $1,053,865      4.48       2,744                      
  $ 20001 -  25000    1,186    $26,636,670    $1,436,171      5.39       2,670                      
  $ 25001 -  30000      951    $26,060,023    $1,530,581      5.87       2,447                      
  $ 30001 -  35000      827    $26,781,526    $1,591,121      5.94       2,407                      
  $ 35001 -  40000      749    $28,071,262    $1,787,820      6.37       2,361                      
  $ 40001 -  45000      676    $28,679,688    $1,890,363      6.59       2,298                      
  $ 45001 -  50000      574    $27,158,423    $1,944,409      7.16       2,033                      
  $ 50001 -  75000    1,601    $95,834,292    $8,235,638      8.59       5,720                      
  $ 75001 - 100000      298    $24,979,537    $3,025,002     12.11       1,066                      
  OVER $100,000          71    $10,883,480    $1,913,417     17.58         232                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             11,980    $346,911,306   $25,227,958      7.27       28,472                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.2            -0.1           0.0                    0.2                     
  $     1  -  5000     9.3             0.9           0.0                    2.5                     
  $  5001 -  10000    10.9             2.8           0.9                    5.5                     
  $ 10001 -  15000    10.5             4.5           2.3                    7.6                     
  $ 15001 -  20000    11.2             6.8           4.2                    9.6                     
  $ 20001 -  25000     9.9             7.7           5.7                    9.4                     
  $ 25001 -  30000     7.9             7.5           6.1                    8.6                     
  $ 30001 -  35000     6.9             7.7           6.3                    8.5                     
  $ 35001 -  40000     6.3             8.1           7.1                    8.3                     
  $ 40001 -  45000     5.6             8.3           7.5                    8.1                     
  $ 45001 -  50000     4.8             7.8           7.7                    7.1                     
  $ 50001 -  75000    13.4            27.6          32.6                   20.1                     
  $ 75001 - 100000     2.5             7.2          12.0                    3.7                     
  OVER $100,000        0.6             3.1           7.6                    0.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-10,451           $49                   1.76                     
  $     1  -  5000                  $2,767            $7                   0.64                     
  $  5001 -  10000                  $7,426          $168                   1.21                     
  $ 10001 -  15000                 $12,546          $470                   1.71                     
  $ 15001 -  20000                 $17,495          $783                   2.04                     
  $ 20001 -  25000                 $22,459        $1,211                   2.25                     
  $ 25001 -  30000                 $27,403        $1,609                   2.57                     
  $ 30001 -  35000                 $32,384        $1,924                   2.91                     
  $ 35001 -  40000                 $37,478        $2,387                   3.15                     
  $ 40001 -  45000                 $42,426        $2,796                   3.40                     
  $ 45001 -  50000                 $47,314        $3,387                   3.54                     
  $ 50001 -  75000                 $59,859        $5,144                   3.57                     
  $ 75001 - 100000                 $83,824       $10,151                   3.58                     
  OVER $100,000                   $153,288       $26,950                   3.27                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $28,958        $2,106                   2.38                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   LAVERKIN UT                                                      
                        _________________________________________________                           
  UNDER $ 5,000         152       $237,489        $2,886      1.22         138                      
  $  5001 -  10000      139     $1,018,201       $20,330      2.00         199                      
  $ 10001 -  15000      135     $1,668,496       $58,921      3.53         234                      
  $ 15001 -  20000      129     $2,229,512       $85,016      3.81         311                      
  $ 20001 -  25000      109     $2,439,915      $116,088      4.76         273                      
  $ 25001 -  30000       83     $2,302,372      $119,136      5.17         249                      
  $ 30001 -  35000       77     $2,500,175      $101,825      4.07         279                      
  $ 35001 -  40000       74     $2,780,321      $150,520      5.41         255                      
  $ 40001 -  45000       63     $2,677,346      $180,442      6.74         215                      
  $ 45001 -  50000       44     $2,068,027      $147,440      7.13         158                      
  $ 50001 -  75000      101     $5,873,155      $455,831      7.76         371                      
  $ 75001 - 100000       24     $2,007,435      $222,076     11.06          84                      
  OVER $100,000          30     $5,969,797    $1,015,830     17.02          74                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,160     $33,772,241    $2,676,341      7.92        2,840                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       13.1             0.7           0.1                    4.9                     
  $  5001 -  10000    12.0             3.0           0.8                    7.0                     
  $ 10001 -  15000    11.6             4.9           2.2                    8.2                     
  $ 15001 -  20000    11.1             6.6           3.2                   11.0                     
  $ 20001 -  25000     9.4             7.2           4.3                    9.6                     
  $ 25001 -  30000     7.2             6.8           4.5                    8.8                     
  $ 30001 -  35000     6.6             7.4           3.8                    9.8                     
  $ 35001 -  40000     6.4             8.2           5.6                    9.0                     
  $ 40001 -  45000     5.4             7.9           6.7                    7.6                     
  $ 45001 -  50000     3.8             6.1           5.5                    5.6                     
  $ 50001 -  75000     8.7            17.4          17.0                   13.1                     
  $ 75001 - 100000     2.1             5.9           8.3                    3.0                     
  OVER $100,000        2.6            17.7          38.0                    2.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $1,562           $19                   0.91                     
  $  5001 -  10000                  $7,325          $146                   1.43                     
  $ 10001 -  15000                 $12,359          $436                   1.73                     
  $ 15001 -  20000                 $17,283          $659                   2.41                     
  $ 20001 -  25000                 $22,385        $1,065                   2.50                     
  $ 25001 -  30000                 $27,739        $1,435                   3.00                     
  $ 30001 -  35000                 $32,470        $1,322                   3.62                     
  $ 35001 -  40000                 $37,572        $2,034                   3.45                     
  $ 40001 -  45000                 $42,498        $2,864                   3.41                     
  $ 45001 -  50000                 $47,001        $3,351                   3.59                     
  $ 50001 -  75000                 $58,150        $4,513                   3.67                     
  $ 75001 - 100000                 $83,643        $9,253                   3.50                     
  OVER $100,000                   $198,993       $33,861                   2.47                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $29,114        $2,307                   2.45                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   LAYTON UT                                                        
                        _________________________________________________                           
  UNDER $1               93    $-2,032,168        $7,172     -0.35         188                      
  $     1  -  5000    2,650     $6,887,618       $56,076      0.81       1,011                      
  $  5001 -  10000    2,153    $15,967,357      $524,079      3.28       1,878                      
  $ 10001 -  15000    1,909    $23,765,940    $1,075,431      4.53       2,619                      
  $ 15001 -  20000    1,677    $29,310,769    $1,625,374      5.55       2,798                      
  $ 20001 -  25000    1,554    $34,901,645    $2,183,268      6.26       3,041                      
  $ 25001 -  30000    1,407    $38,607,497    $2,568,068      6.65       3,103                      
  $ 30001 -  35000    1,352    $43,912,192    $3,009,527      6.85       3,351                      
  $ 35001 -  40000    1,274    $47,829,956    $3,387,810      7.08       3,538                      
  $ 40001 -  45000    1,189    $50,535,607    $3,792,258      7.50       3,457                      
  $ 45001 -  50000    1,147    $54,424,916    $4,331,968      7.96       3,497                      
  $ 50001 -  75000    4,095   $251,096,053   $21,806,214      8.68      13,988                      
  $ 75001 - 100000    1,889   $161,228,439   $18,446,733     11.44       6,868                      
  $100001 - 250000    1,178   $155,869,734   $24,918,653     15.99       4,348                      
  OVER $250,000         115    $58,431,245   $14,679,637     25.12         437                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             23,682    $970,736,800  $102,412,268     10.55       54,122                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.2           0.0                    0.3                     
  $     1  -  5000    11.2             0.7           0.1                    1.9                     
  $  5001 -  10000     9.1             1.6           0.5                    3.5                     
  $ 10001 -  15000     8.1             2.4           1.1                    4.8                     
  $ 15001 -  20000     7.1             3.0           1.6                    5.2                     
  $ 20001 -  25000     6.6             3.6           2.1                    5.6                     
  $ 25001 -  30000     5.9             4.0           2.5                    5.7                     
  $ 30001 -  35000     5.7             4.5           2.9                    6.2                     
  $ 35001 -  40000     5.4             4.9           3.3                    6.5                     
  $ 40001 -  45000     5.0             5.2           3.7                    6.4                     
  $ 45001 -  50000     4.8             5.6           4.2                    6.5                     
  $ 50001 -  75000    17.3            25.9          21.3                   25.8                     
  $ 75001 - 100000     8.0            16.6          18.0                   12.7                     
  $100001 - 250000     5.0            16.1          24.3                    8.0                     
  OVER $250,000        0.5             6.0          14.3                    0.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-21,851           $77                   2.02                     
  $     1  -  5000                  $2,599           $21                   0.38                     
  $  5001 -  10000                  $7,416          $243                   0.87                     
  $ 10001 -  15000                 $12,449          $563                   1.37                     
  $ 15001 -  20000                 $17,478          $969                   1.67                     
  $ 20001 -  25000                 $22,459        $1,405                   1.96                     
  $ 25001 -  30000                 $27,440        $1,825                   2.21                     
  $ 30001 -  35000                 $32,479        $2,226                   2.48                     
  $ 35001 -  40000                 $37,543        $2,659                   2.78                     
  $ 40001 -  45000                 $42,503        $3,189                   2.91                     
  $ 45001 -  50000                 $47,450        $3,777                   3.05                     
  $ 50001 -  75000                 $61,318        $5,325                   3.42                     
  $ 75001 - 100000                 $85,351        $9,765                   3.64                     
  $100001 - 250000                $132,317       $21,153                   3.69                     
  OVER $250,000                   $508,098      $127,649                   3.80                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $40,990        $4,324                   2.29                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                              
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   LEHI UT                                                          
                        _________________________________________________                           
  UNDER $1               40      $-824,722            $0      0.00         101                      
  $     1  -  5000      726     $1,986,840       $14,779      0.74         284                      
  $  5001 -  10000      646     $4,819,019      $148,672      3.09         633                      
  $ 10001 -  15000      549     $6,885,975      $264,923      3.85         909                      
  $ 15001 -  20000      496     $8,726,235      $409,259      4.69         986                      
  $ 20001 -  25000      419     $9,367,600      $488,786      5.22         962                      
  $ 25001 -  30000      423    $11,646,503      $654,856      5.62       1,132                      
  $ 30001 -  35000      379    $12,342,800      $700,293      5.67       1,114                      
  $ 35001 -  40000      443    $16,635,345      $979,945      5.89       1,440                      
  $ 40001 -  45000      399    $16,927,950    $1,056,899      6.24       1,353                      
  $ 45001 -  50000      369    $17,539,518    $1,102,924      6.29       1,343                      
  $ 50001 -  75000    1,344    $81,573,427    $6,056,872      7.43       5,208                      
  $ 75001 - 100000      485    $41,318,264    $4,292,738     10.39       1,936                      
  $100001 - 250000      224    $29,400,102    $4,485,872     15.26         950                      
  OVER $250,000          39    $23,505,027    $6,022,761     25.62         127                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              6,981    $281,849,883   $26,679,579      9.47       18,478                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.6            -0.3           0.0                    0.5                     
  $     1  -  5000    10.4             0.7           0.1                    1.5                     
  $  5001 -  10000     9.3             1.7           0.6                    3.4                     
  $ 10001 -  15000     7.9             2.4           1.0                    4.9                     
  $ 15001 -  20000     7.1             3.1           1.5                    5.3                     
  $ 20001 -  25000     6.0             3.3           1.8                    5.2                     
  $ 25001 -  30000     6.1             4.1           2.5                    6.1                     
  $ 30001 -  35000     5.4             4.4           2.6                    6.0                     
  $ 35001 -  40000     6.3             5.9           3.7                    7.8                     
  $ 40001 -  45000     5.7             6.0           4.0                    7.3                     
  $ 45001 -  50000     5.3             6.2           4.1                    7.3                     
  $ 50001 -  75000    19.3            28.9          22.7                   28.2                     
  $ 75001 - 100000     6.9            14.7          16.1                   10.5                     
  $100001 - 250000     3.2            10.4          16.8                    5.1                     
  OVER $250,000        0.6             8.3          22.6                    0.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-20,618            $0                   2.53                     
  $     1  -  5000                  $2,737           $20                   0.39                     
  $  5001 -  10000                  $7,460          $230                   0.98                     
  $ 10001 -  15000                 $12,543          $483                   1.66                     
  $ 15001 -  20000                 $17,593          $825                   1.99                     
  $ 20001 -  25000                 $22,357        $1,167                   2.30                     
  $ 25001 -  30000                 $27,533        $1,548                   2.68                     
  $ 30001 -  35000                 $32,567        $1,848                   2.94                     
  $ 35001 -  40000                 $37,552        $2,212                   3.25                     
  $ 40001 -  45000                 $42,426        $2,649                   3.39                     
  $ 45001 -  50000                 $47,533        $2,989                   3.64                     
  $ 50001 -  75000                 $60,695        $4,507                   3.88                     
  $ 75001 - 100000                 $85,192        $8,851                   3.99                     
  $100001 - 250000                $131,250       $20,026                   4.24                     
  OVER $250,000                   $602,693      $154,430                   3.26                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $40,374        $3,822                   2.65                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   LINDON UT                                                        
                        _________________________________________________                           
  UNDER $1               13      $-371,590            $0      0.00          30                      
  $     1  -  5000      433     $1,123,296       $15,790      1.41         142                      
  $  5001 -  10000      329     $2,335,640       $97,519      4.18         221                      
  $ 10001 -  15000      221     $2,741,499      $132,920      4.85         291                      
  $ 15001 -  20000      154     $2,663,474      $154,352      5.80         260                      
  $ 20001 -  25000      134     $2,969,326      $152,301      5.13         311                      
  $ 25001 -  30000      112     $3,059,968      $167,852      5.49         284                      
  $ 30001 -  35000      102     $3,295,507      $173,010      5.25         297                      
  $ 35001 -  40000       95     $3,572,133      $209,615      5.87         310                      
  $ 40001 -  45000      104     $4,409,538      $260,086      5.90         376                      
  $ 45001 -  50000      106     $5,004,461      $310,191      6.20         377                      
  $ 50001 -  75000      416    $25,516,706    $1,640,342      6.43       1,743                      
  $ 75001 - 100000      255    $21,908,214    $1,981,788      9.05       1,150                      
  $100001 - 250000      257    $37,299,797    $5,777,081     15.49       1,195                      
  OVER $250,000          64    $30,091,781    $8,169,500     27.15         281                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,795    $145,619,750   $19,242,347     13.21        7,268                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.5            -0.3           0.0                    0.4                     
  $     1  -  5000    15.5             0.8           0.1                    2.0                     
  $  5001 -  10000    11.8             1.6           0.5                    3.0                     
  $ 10001 -  15000     7.9             1.9           0.7                    4.0                     
  $ 15001 -  20000     5.5             1.8           0.8                    3.6                     
  $ 20001 -  25000     4.8             2.0           0.8                    4.3                     
  $ 25001 -  30000     4.0             2.1           0.9                    3.9                     
  $ 30001 -  35000     3.6             2.3           0.9                    4.1                     
  $ 35001 -  40000     3.4             2.5           1.1                    4.3                     
  $ 40001 -  45000     3.7             3.0           1.4                    5.2                     
  $ 45001 -  50000     3.8             3.4           1.6                    5.2                     
  $ 50001 -  75000    14.9            17.5           8.5                   24.0                     
  $ 75001 - 100000     9.1            15.0          10.3                   15.8                     
  $100001 - 250000     9.2            25.6          30.0                   16.4                     
  OVER $250,000        2.3            20.7          42.5                    3.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-28,584            $0                   2.31                     
  $     1  -  5000                  $2,594           $36                   0.33                     
  $  5001 -  10000                  $7,099          $296                   0.67                     
  $ 10001 -  15000                 $12,405          $601                   1.32                     
  $ 15001 -  20000                 $17,295        $1,002                   1.69                     
  $ 20001 -  25000                 $22,159        $1,137                   2.32                     
  $ 25001 -  30000                 $27,321        $1,499                   2.54                     
  $ 30001 -  35000                 $32,309        $1,696                   2.91                     
  $ 35001 -  40000                 $37,601        $2,206                   3.26                     
  $ 40001 -  45000                 $42,399        $2,501                   3.62                     
  $ 45001 -  50000                 $47,212        $2,926                   3.56                     
  $ 50001 -  75000                 $61,338        $3,943                   4.19                     
  $ 75001 - 100000                 $85,915        $7,772                   4.51                     
  $100001 - 250000                $145,135       $22,479                   4.65                     
  OVER $250,000                   $470,184      $127,648                   4.39                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $52,100        $6,885                   2.60                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   LOGAN UT                                                         
                        _________________________________________________                           
  UNDER $1              108    $-8,167,070        $1,094     -0.01         171                      
  $     1  -  5000    2,174     $5,974,567       $53,660      0.90       1,143                      
  $  5001 -  10000    2,389    $17,838,622      $458,762      2.57       2,409                      
  $ 10001 -  15000    2,045    $25,513,871      $967,267      3.79       3,090                      
  $ 15001 -  20000    1,843    $32,189,801    $1,460,839      4.54       3,468                      
  $ 20001 -  25000    1,578    $35,294,583    $1,877,083      5.32       3,369                      
  $ 25001 -  30000    1,311    $35,803,254    $2,104,226      5.88       3,209                      
  $ 30001 -  35000      977    $31,647,356    $2,016,057      6.37       2,534                      
  $ 35001 -  40000      816    $30,571,480    $2,148,189      7.03       2,289                      
  $ 40001 -  45000      647    $27,458,251    $1,989,815      7.25       1,992                      
  $ 45001 -  50000      564    $26,726,919    $2,093,370      7.83       1,824                      
  $ 50001 -  75000    1,795   $109,456,386    $9,930,820      9.07       6,039                      
  $ 75001 - 100000      673    $57,465,471    $6,961,724     12.11       2,300                      
  $100001 - 250000      605    $85,703,797   $14,617,957     17.06       1,995                      
  OVER $250,000          91    $47,089,083   $11,266,237     23.93         298                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             17,616    $560,566,371   $57,947,100     10.34       36,130                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.6            -1.5           0.0                    0.5                     
  $     1  -  5000    12.3             1.1           0.1                    3.2                     
  $  5001 -  10000    13.6             3.2           0.8                    6.7                     
  $ 10001 -  15000    11.6             4.6           1.7                    8.6                     
  $ 15001 -  20000    10.5             5.7           2.5                    9.6                     
  $ 20001 -  25000     9.0             6.3           3.2                    9.3                     
  $ 25001 -  30000     7.4             6.4           3.6                    8.9                     
  $ 30001 -  35000     5.5             5.6           3.5                    7.0                     
  $ 35001 -  40000     4.6             5.5           3.7                    6.3                     
  $ 40001 -  45000     3.7             4.9           3.4                    5.5                     
  $ 45001 -  50000     3.2             4.8           3.6                    5.0                     
  $ 50001 -  75000    10.2            19.5          17.1                   16.7                     
  $ 75001 - 100000     3.8            10.3          12.0                    6.4                     
  $100001 - 250000     3.4            15.3          25.2                    5.5                     
  OVER $250,000        0.5             8.4          19.4                    0.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-75,621           $10                   1.58                     
  $     1  -  5000                  $2,748           $25                   0.53                     
  $  5001 -  10000                  $7,467          $192                   1.01                     
  $ 10001 -  15000                 $12,476          $473                   1.51                     
  $ 15001 -  20000                 $17,466          $793                   1.88                     
  $ 20001 -  25000                 $22,367        $1,190                   2.13                     
  $ 25001 -  30000                 $27,310        $1,605                   2.45                     
  $ 30001 -  35000                 $32,392        $2,064                   2.59                     
  $ 35001 -  40000                 $37,465        $2,633                   2.81                     
  $ 40001 -  45000                 $42,439        $3,075                   3.08                     
  $ 45001 -  50000                 $47,388        $3,712                   3.23                     
  $ 50001 -  75000                 $60,978        $5,532                   3.36                     
  $ 75001 - 100000                 $85,387       $10,344                   3.42                     
  $100001 - 250000                $141,659       $24,162                   3.30                     
  OVER $250,000                   $517,462      $123,805                   3.27                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $31,821        $3,289                   2.05                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   MAGNA UT                                                         
                        _________________________________________________                           
  UNDER $1               16   $-15,107,904        $3,558     -0.02          33                      
  $     1  -  5000      859     $2,295,508       $16,053      0.70         494                      
  $  5001 -  10000      860     $6,474,780      $159,270      2.46       1,008                      
  $ 10001 -  15000      835    $10,484,734      $400,203      3.82       1,384                      
  $ 15001 -  20000      882    $15,451,586      $762,769      4.94       1,763                      
  $ 20001 -  25000      810    $18,139,176    $1,054,962      5.82       1,782                      
  $ 25001 -  30000      727    $19,968,164    $1,222,941      6.12       1,784                      
  $ 30001 -  35000      633    $20,529,081    $1,295,378      6.31       1,733                      
  $ 35001 -  40000      615    $23,015,227    $1,471,942      6.40       1,916                      
  $ 40001 -  45000      580    $24,601,574    $1,672,390      6.80       1,933                      
  $ 45001 -  50000      422    $19,976,471    $1,468,982      7.35       1,433                      
  $ 50001 -  75000    1,361    $81,213,813    $7,144,773      8.80       4,631                      
  $ 75001 - 100000      238    $19,889,135    $2,385,555     11.99         803                      
  $100001 - 250000       63     $7,924,479    $1,279,667     16.15         193                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,901    $254,855,824   $20,338,443      7.98       20,890                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.2            -5.9           0.0                    0.2                     
  $     1  -  5000     9.7             0.9           0.1                    2.4                     
  $  5001 -  10000     9.7             2.5           0.8                    4.8                     
  $ 10001 -  15000     9.4             4.1           2.0                    6.6                     
  $ 15001 -  20000     9.9             6.1           3.8                    8.4                     
  $ 20001 -  25000     9.1             7.1           5.2                    8.5                     
  $ 25001 -  30000     8.2             7.8           6.0                    8.5                     
  $ 30001 -  35000     7.1             8.1           6.4                    8.3                     
  $ 35001 -  40000     6.9             9.0           7.2                    9.2                     
  $ 40001 -  45000     6.5             9.7           8.2                    9.3                     
  $ 45001 -  50000     4.7             7.8           7.2                    6.9                     
  $ 50001 -  75000    15.3            31.9          35.1                   22.2                     
  $ 75001 - 100000     2.7             7.8          11.7                    3.8                     
  $100001 - 250000     0.7             3.1           6.3                    0.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-944244          $222                   2.06                     
  $     1  -  5000                  $2,672           $19                   0.58                     
  $  5001 -  10000                  $7,529          $185                   1.17                     
  $ 10001 -  15000                 $12,557          $479                   1.66                     
  $ 15001 -  20000                 $17,519          $865                   2.00                     
  $ 20001 -  25000                 $22,394        $1,302                   2.20                     
  $ 25001 -  30000                 $27,467        $1,682                   2.45                     
  $ 30001 -  35000                 $32,431        $2,046                   2.74                     
  $ 35001 -  40000                 $37,423        $2,393                   3.12                     
  $ 40001 -  45000                 $42,417        $2,883                   3.33                     
  $ 45001 -  50000                 $47,338        $3,481                   3.40                     
  $ 50001 -  75000                 $59,672        $5,250                   3.40                     
  $ 75001 - 100000                 $83,568       $10,023                   3.37                     
  $100001 - 250000                $125,785       $20,312                   3.06                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $28,632        $2,285                   2.35                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   MANTI UT                                                         
                        _________________________________________________                           
  UNDER $1               11      $-302,102            $0      0.00          19                      
  $     1  -  5000      155       $404,517        $1,467      0.36         112                      
  $  5001 -  10000      144     $1,059,822       $25,490      2.41         193                      
  $ 10001 -  15000      128     $1,590,372       $35,683      2.24         308                      
  $ 15001 -  20000       83     $1,443,868       $49,459      3.43         202                      
  $ 20001 -  25000       56     $1,271,003       $55,486      4.37         150                      
  $ 25001 -  30000       56     $1,518,544       $78,143      5.15         168                      
  $ 30001 -  35000       58     $1,896,807       $83,005      4.38         216                      
  $ 35001 -  40000       51     $1,914,811       $94,675      4.94         196                      
  $ 40001 -  45000       52     $2,207,298      $136,231      6.17         202                      
  $ 45001 -  50000       42     $1,993,488      $133,531      6.70         153                      
  $ 50001 -  75000      115     $6,912,911      $546,099      7.90         450                      
  $ 75001 - 100000       26     $2,205,565      $264,762     12.00          93                      
  OVER $100,000          24     $4,569,908      $697,384     15.26          96                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,001     $28,686,812    $2,201,415      7.67        2,558                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -1.1           0.0                    0.7                     
  $     1  -  5000    15.5             1.4           0.1                    4.4                     
  $  5001 -  10000    14.4             3.7           1.2                    7.5                     
  $ 10001 -  15000    12.8             5.5           1.6                   12.0                     
  $ 15001 -  20000     8.3             5.0           2.2                    7.9                     
  $ 20001 -  25000     5.6             4.4           2.5                    5.9                     
  $ 25001 -  30000     5.6             5.3           3.5                    6.6                     
  $ 30001 -  35000     5.8             6.6           3.8                    8.4                     
  $ 35001 -  40000     5.1             6.7           4.3                    7.7                     
  $ 40001 -  45000     5.2             7.7           6.2                    7.9                     
  $ 45001 -  50000     4.2             6.9           6.1                    6.0                     
  $ 50001 -  75000    11.5            24.1          24.8                   17.6                     
  $ 75001 - 100000     2.6             7.7          12.0                    3.6                     
  OVER $100,000        2.4            15.9          31.7                    3.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-27,464            $0                   1.73                     
  $     1  -  5000                  $2,610            $9                   0.72                     
  $  5001 -  10000                  $7,360          $177                   1.34                     
  $ 10001 -  15000                 $12,425          $279                   2.41                     
  $ 15001 -  20000                 $17,396          $596                   2.43                     
  $ 20001 -  25000                 $22,696          $991                   2.68                     
  $ 25001 -  30000                 $27,117        $1,395                   3.00                     
  $ 30001 -  35000                 $32,704        $1,431                   3.72                     
  $ 35001 -  40000                 $37,545        $1,856                   3.84                     
  $ 40001 -  45000                 $42,448        $2,620                   3.88                     
  $ 45001 -  50000                 $47,464        $3,179                   3.64                     
  $ 50001 -  75000                 $60,112        $4,749                   3.91                     
  $ 75001 - 100000                 $84,829       $10,183                   3.58                     
  OVER $100,000                   $190,413       $29,058                   4.00                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $28,658        $2,199                   2.56                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   MAPLETON UT                                                      
                        _________________________________________________                           
  UNDER $1               13    $-1,116,938            $0      0.00          31                      
  $     1  -  5000      317       $898,113       $12,776      1.42         111                      
  $  5001 -  10000      256     $1,855,574       $77,192      4.16         180                      
  $ 10001 -  15000      151     $1,855,234       $78,193      4.21         232                      
  $ 15001 -  20000      128     $2,244,233      $110,117      4.91         220                      
  $ 20001 -  25000      121     $2,749,802      $164,857      6.00         258                      
  $ 25001 -  30000       93     $2,566,177      $141,926      5.53         235                      
  $ 30001 -  35000       95     $3,063,866      $209,447      6.84         219                      
  $ 35001 -  40000       81     $3,055,996      $190,532      6.23         260                      
  $ 40001 -  45000       96     $4,078,891      $271,873      6.67         317                      
  $ 45001 -  50000       77     $3,657,372      $226,517      6.19         287                      
  $ 50001 -  75000      350    $21,584,126    $1,529,989      7.09       1,454                      
  $ 75001 - 100000      169    $14,410,991    $1,375,764      9.55         695                      
  $100001 - 250000      140    $19,711,669    $2,999,802     15.22         601                      
  OVER $250,000          41    $21,406,907    $6,015,791     28.10         165                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,128    $102,022,013   $13,404,776     13.14        5,265                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.6            -1.1           0.0                    0.6                     
  $     1  -  5000    14.9             0.9           0.1                    2.1                     
  $  5001 -  10000    12.0             1.8           0.6                    3.4                     
  $ 10001 -  15000     7.1             1.8           0.6                    4.4                     
  $ 15001 -  20000     6.0             2.2           0.8                    4.2                     
  $ 20001 -  25000     5.7             2.7           1.2                    4.9                     
  $ 25001 -  30000     4.4             2.5           1.1                    4.5                     
  $ 30001 -  35000     4.5             3.0           1.6                    4.2                     
  $ 35001 -  40000     3.8             3.0           1.4                    4.9                     
  $ 40001 -  45000     4.5             4.0           2.0                    6.0                     
  $ 45001 -  50000     3.6             3.6           1.7                    5.5                     
  $ 50001 -  75000    16.4            21.2          11.4                   27.6                     
  $ 75001 - 100000     7.9            14.1          10.3                   13.2                     
  $100001 - 250000     6.6            19.3          22.4                   11.4                     
  OVER $250,000        1.9            21.0          44.9                    3.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-85,918            $0                   2.38                     
  $     1  -  5000                  $2,833           $40                   0.35                     
  $  5001 -  10000                  $7,248          $302                   0.70                     
  $ 10001 -  15000                 $12,286          $518                   1.54                     
  $ 15001 -  20000                 $17,533          $860                   1.72                     
  $ 20001 -  25000                 $22,726        $1,362                   2.13                     
  $ 25001 -  30000                 $27,593        $1,526                   2.53                     
  $ 30001 -  35000                 $32,251        $2,205                   2.31                     
  $ 35001 -  40000                 $37,728        $2,352                   3.21                     
  $ 40001 -  45000                 $42,488        $2,832                   3.30                     
  $ 45001 -  50000                 $47,498        $2,942                   3.73                     
  $ 50001 -  75000                 $61,669        $4,371                   4.15                     
  $ 75001 - 100000                 $85,272        $8,141                   4.11                     
  $100001 - 250000                $140,798       $21,427                   4.29                     
  OVER $250,000                   $522,120      $146,727                   4.02                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $47,943        $6,299                   2.47                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   MIDVALE UT                                                       
                        _________________________________________________                           
  UNDER $1               43      $-628,012        $1,842     -0.29          72                      
  $     1  -  5000      937     $2,561,678        $9,014      0.35         736                      
  $  5001 -  10000    1,132     $8,449,084      $168,024      1.99       1,418                      
  $ 10001 -  15000    1,254    $15,688,914      $616,955      3.93       1,992                      
  $ 15001 -  20000    1,298    $22,730,973    $1,168,878      5.14       2,301                      
  $ 20001 -  25000    1,151    $25,838,723    $1,738,118      6.73       2,085                      
  $ 25001 -  30000    1,000    $27,395,298    $2,110,957      7.71       1,869                      
  $ 30001 -  35000      810    $26,204,806    $2,129,184      8.13       1,656                      
  $ 35001 -  40000      756    $28,302,895    $2,482,178      8.77       1,638                      
  $ 40001 -  45000      647    $27,453,107    $2,580,708      9.40       1,439                      
  $ 45001 -  50000      510    $24,138,096    $2,371,212      9.82       1,232                      
  $ 50001 -  75000    1,447    $87,650,644    $9,393,414     10.72       3,838                      
  $ 75001 - 100000      488    $41,553,219    $5,532,338     13.31       1,345                      
  $100001 - 250000      261    $34,887,751    $6,261,290     17.95         698                      
  OVER $250,000          31    $13,966,339    $3,730,996     26.71          81                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             11,765    $386,193,515   $40,295,108     10.43       22,400                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.2           0.0                    0.3                     
  $     1  -  5000     8.0             0.7           0.0                    3.3                     
  $  5001 -  10000     9.6             2.2           0.4                    6.3                     
  $ 10001 -  15000    10.7             4.1           1.5                    8.9                     
  $ 15001 -  20000    11.0             5.9           2.9                   10.3                     
  $ 20001 -  25000     9.8             6.7           4.3                    9.3                     
  $ 25001 -  30000     8.5             7.1           5.2                    8.3                     
  $ 30001 -  35000     6.9             6.8           5.3                    7.4                     
  $ 35001 -  40000     6.4             7.3           6.2                    7.3                     
  $ 40001 -  45000     5.5             7.1           6.4                    6.4                     
  $ 45001 -  50000     4.3             6.3           5.9                    5.5                     
  $ 50001 -  75000    12.3            22.7          23.3                   17.1                     
  $ 75001 - 100000     4.1            10.8          13.7                    6.0                     
  $100001 - 250000     2.2             9.0          15.5                    3.1                     
  OVER $250,000        0.3             3.6           9.3                    0.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-14,605           $43                   1.67                     
  $     1  -  5000                  $2,734           $10                   0.79                     
  $  5001 -  10000                  $7,464          $148                   1.25                     
  $ 10001 -  15000                 $12,511          $492                   1.59                     
  $ 15001 -  20000                 $17,512          $901                   1.77                     
  $ 20001 -  25000                 $22,449        $1,510                   1.81                     
  $ 25001 -  30000                 $27,395        $2,111                   1.87                     
  $ 30001 -  35000                 $32,352        $2,629                   2.04                     
  $ 35001 -  40000                 $37,438        $3,283                   2.17                     
  $ 40001 -  45000                 $42,431        $3,989                   2.22                     
  $ 45001 -  50000                 $47,330        $4,649                   2.42                     
  $ 50001 -  75000                 $60,574        $6,492                   2.65                     
  $ 75001 - 100000                 $85,150       $11,337                   2.76                     
  $100001 - 250000                $133,670       $23,990                   2.67                     
  OVER $250,000                   $450,527      $120,355                   2.61                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $32,826        $3,425                   1.90                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   MIDWAY UT                                                        
                        _________________________________________________                           
  UNDER $ 5,000         153      $-215,370        $5,301     -2.46          76                      
  $  5001 -  10000      130       $951,340       $28,791      3.03         119                      
  $ 10001 -  15000       90     $1,134,470       $40,693      3.59         156                      
  $ 15001 -  20000       80     $1,397,177       $68,496      4.90         140                      
  $ 20001 -  25000       68     $1,503,449       $94,701      6.30         123                      
  $ 25001 -  30000       68     $1,867,215      $126,865      6.79         143                      
  $ 30001 -  35000       52     $1,695,802      $109,431      6.45         132                      
  $ 35001 -  40000       54     $2,035,004      $145,573      7.15         146                      
  $ 40001 -  45000       50     $2,114,059      $149,245      7.06         153                      
  $ 45001 -  50000       32     $1,522,318      $107,632      7.07         100                      
  $ 50001 -  75000      177    $10,849,839      $957,393      8.82         608                      
  $ 75001 - 100000       65     $5,616,881      $602,894     10.73         250                      
  $100001 - 250000       78    $11,302,747    $1,810,025     16.01         266                      
  OVER $250,000          15     $9,337,993    $2,160,144     23.13          50                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,112     $51,112,924    $6,407,184     12.54        2,462                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       13.8            -0.4           0.1                    3.1                     
  $  5001 -  10000    11.7             1.9           0.4                    4.8                     
  $ 10001 -  15000     8.1             2.2           0.6                    6.3                     
  $ 15001 -  20000     7.2             2.7           1.1                    5.7                     
  $ 20001 -  25000     6.1             2.9           1.5                    5.0                     
  $ 25001 -  30000     6.1             3.7           2.0                    5.8                     
  $ 30001 -  35000     4.7             3.3           1.7                    5.4                     
  $ 35001 -  40000     4.9             4.0           2.3                    5.9                     
  $ 40001 -  45000     4.5             4.1           2.3                    6.2                     
  $ 45001 -  50000     2.9             3.0           1.7                    4.1                     
  $ 50001 -  75000    15.9            21.2          14.9                   24.7                     
  $ 75001 - 100000     5.8            11.0           9.4                   10.2                     
  $100001 - 250000     7.0            22.1          28.2                   10.8                     
  OVER $250,000        1.3            18.3          33.7                    2.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                    $-1,408           $35                   0.50                     
  $  5001 -  10000                  $7,318          $221                   0.92                     
  $ 10001 -  15000                 $12,605          $452                   1.73                     
  $ 15001 -  20000                 $17,465          $856                   1.75                     
  $ 20001 -  25000                 $22,110        $1,393                   1.81                     
  $ 25001 -  30000                 $27,459        $1,866                   2.10                     
  $ 30001 -  35000                 $32,612        $2,104                   2.54                     
  $ 35001 -  40000                 $37,685        $2,696                   2.70                     
  $ 40001 -  45000                 $42,281        $2,985                   3.06                     
  $ 45001 -  50000                 $47,572        $3,364                   3.13                     
  $ 50001 -  75000                 $61,299        $5,409                   3.44                     
  $ 75001 - 100000                 $86,414        $9,275                   3.85                     
  $100001 - 250000                $144,907       $23,205                   3.41                     
  OVER $250,000                   $622,533      $144,010                   3.33                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $45,965        $5,762                   2.21                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                              
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   MOAB UT                                                          
                        _________________________________________________                           
  UNDER $1               32      $-784,531        $1,384     -0.18          43                      
  $     1  -  5000      448     $1,249,042        $4,228      0.34         327                      
  $  5001 -  10000      509     $3,795,176       $67,808      1.79         631                      
  $ 10001 -  15000      454     $5,670,341      $221,228      3.90         709                      
  $ 15001 -  20000      372     $6,468,983      $350,210      5.41         663                      
  $ 20001 -  25000      288     $6,428,261      $408,998      6.36         568                      
  $ 25001 -  30000      233     $6,390,465      $453,663      7.10         492                      
  $ 30001 -  35000      187     $6,044,344      $470,044      7.78         416                      
  $ 35001 -  40000      163     $6,078,675      $497,084      8.18         423                      
  $ 40001 -  45000      106     $4,504,134      $381,769      8.48         313                      
  $ 45001 -  50000      122     $5,779,976      $545,030      9.43         346                      
  $ 50001 -  75000      310    $18,773,498    $1,957,268     10.43         890                      
  $ 75001 - 100000       81     $6,922,172      $915,675     13.23         244                      
  $100001 - 250000       86    $11,955,048    $2,228,076     18.64         235                      
  OVER $250,000          13     $6,349,989    $1,461,964     23.02          29                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,404     $95,625,573    $9,964,429     10.42        6,329                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.9            -0.8           0.0                    0.7                     
  $     1  -  5000    13.2             1.3           0.0                    5.2                     
  $  5001 -  10000    15.0             4.0           0.7                   10.0                     
  $ 10001 -  15000    13.3             5.9           2.2                   11.2                     
  $ 15001 -  20000    10.9             6.8           3.5                   10.5                     
  $ 20001 -  25000     8.5             6.7           4.1                    9.0                     
  $ 25001 -  30000     6.8             6.7           4.6                    7.8                     
  $ 30001 -  35000     5.5             6.3           4.7                    6.6                     
  $ 35001 -  40000     4.8             6.4           5.0                    6.7                     
  $ 40001 -  45000     3.1             4.7           3.8                    4.9                     
  $ 45001 -  50000     3.6             6.0           5.5                    5.5                     
  $ 50001 -  75000     9.1            19.6          19.6                   14.1                     
  $ 75001 - 100000     2.4             7.2           9.2                    3.9                     
  $100001 - 250000     2.5            12.5          22.4                    3.7                     
  OVER $250,000        0.4             6.6          14.7                    0.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-24,517           $43                   1.34                     
  $     1  -  5000                  $2,788            $9                   0.73                     
  $  5001 -  10000                  $7,456          $133                   1.24                     
  $ 10001 -  15000                 $12,490          $487                   1.56                     
  $ 15001 -  20000                 $17,390          $941                   1.78                     
  $ 20001 -  25000                 $22,320        $1,420                   1.97                     
  $ 25001 -  30000                 $27,427        $1,947                   2.11                     
  $ 30001 -  35000                 $32,323        $2,514                   2.22                     
  $ 35001 -  40000                 $37,292        $3,050                   2.60                     
  $ 40001 -  45000                 $42,492        $3,602                   2.95                     
  $ 45001 -  50000                 $47,377        $4,467                   2.84                     
  $ 50001 -  75000                 $60,560        $6,314                   2.87                     
  $ 75001 - 100000                 $85,459       $11,305                   3.01                     
  $100001 - 250000                $139,012       $25,908                   2.73                     
  OVER $250,000                   $488,461      $112,459                   2.23                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $28,092        $2,927                   1.86                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   MONROE UT                                                        
                        _________________________________________________                           
  UNDER $1               10      $-407,932        $2,671     -0.65          19                      
  $     1  -  5000      132       $345,958        $1,197      0.35          75                      
  $  5001 -  10000      110       $832,444       $15,196      1.83         138                      
  $ 10001 -  15000       98     $1,215,713       $33,621      2.77         194                      
  $ 15001 -  20000       98     $1,699,293       $59,473      3.50         231                      
  $ 20001 -  25000       68     $1,534,588       $65,890      4.29         181                      
  $ 25001 -  30000       66     $1,804,967       $83,814      4.64         204                      
  $ 30001 -  35000       58     $1,880,084      $115,737      6.16         173                      
  $ 35001 -  40000       52     $1,924,070      $121,050      6.29         162                      
  $ 40001 -  45000       53     $2,251,680      $168,955      7.50         175                      
  $ 45001 -  50000       36     $1,693,347      $117,543      6.94         127                      
  $ 50001 -  75000      121     $7,291,002      $630,884      8.65         433                      
  $ 75001 - 100000       24     $2,021,118      $231,606     11.46          89                      
  OVER $100,000          16     $2,399,834      $439,558     18.32          68                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                942     $26,486,166    $2,087,195      7.88        2,269                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -1.5           0.1                    0.8                     
  $     1  -  5000    14.0             1.3           0.1                    3.3                     
  $  5001 -  10000    11.7             3.1           0.7                    6.1                     
  $ 10001 -  15000    10.4             4.6           1.6                    8.6                     
  $ 15001 -  20000    10.4             6.4           2.8                   10.2                     
  $ 20001 -  25000     7.2             5.8           3.2                    8.0                     
  $ 25001 -  30000     7.0             6.8           4.0                    9.0                     
  $ 30001 -  35000     6.2             7.1           5.5                    7.6                     
  $ 35001 -  40000     5.5             7.3           5.8                    7.1                     
  $ 40001 -  45000     5.6             8.5           8.1                    7.7                     
  $ 45001 -  50000     3.8             6.4           5.6                    5.6                     
  $ 50001 -  75000    12.8            27.5          30.2                   19.1                     
  $ 75001 - 100000     2.5             7.6          11.1                    3.9                     
  OVER $100,000        1.7             9.1          21.1                    3.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-40,793          $267                   1.90                     
  $     1  -  5000                  $2,621            $9                   0.57                     
  $  5001 -  10000                  $7,568          $138                   1.25                     
  $ 10001 -  15000                 $12,405          $343                   1.98                     
  $ 15001 -  20000                 $17,340          $607                   2.36                     
  $ 20001 -  25000                 $22,567          $969                   2.66                     
  $ 25001 -  30000                 $27,348        $1,270                   3.09                     
  $ 30001 -  35000                 $32,415        $1,995                   2.98                     
  $ 35001 -  40000                 $37,001        $2,328                   3.12                     
  $ 40001 -  45000                 $42,485        $3,188                   3.30                     
  $ 45001 -  50000                 $47,037        $3,265                   3.53                     
  $ 50001 -  75000                 $60,256        $5,214                   3.58                     
  $ 75001 - 100000                 $84,213        $9,650                   3.71                     
  OVER $100,000                   $149,990       $27,472                   4.25                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $28,117        $2,216                   2.41                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   MONTICELLO UT                                                    
                        _________________________________________________                           
  UNDER $1               15      $-343,947            $0      0.00          38                      
  $     1  -  5000      126       $350,543        $2,079      0.59          55                      
  $  5001 -  10000       88       $634,471       $14,639      2.31         100                      
  $ 10001 -  15000       83     $1,043,845       $34,114      3.27         148                      
  $ 15001 -  20000       77     $1,345,847       $47,295      3.51         176                      
  $ 20001 -  25000       55     $1,231,846       $52,305      4.25         149                      
  $ 25001 -  30000       61     $1,684,746       $82,794      4.91         204                      
  $ 30001 -  35000       54     $1,750,861      $112,413      6.42         163                      
  $ 35001 -  40000       57     $2,124,031      $115,639      5.44         215                      
  $ 40001 -  45000       36     $1,536,624      $128,639      8.37         103                      
  $ 45001 -  50000       43     $2,021,146      $153,237      7.58         150                      
  $ 50001 -  75000      105     $6,415,795      $578,858      9.02         378                      
  $ 75001 - 100000       33     $2,859,320      $347,759     12.16         136                      
  OVER $100,000          23     $3,534,090      $599,725     16.97          74                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                856     $26,189,218    $2,269,496      8.67        2,089                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.8            -1.3           0.0                    1.8                     
  $     1  -  5000    14.7             1.3           0.1                    2.6                     
  $  5001 -  10000    10.3             2.4           0.6                    4.8                     
  $ 10001 -  15000     9.7             4.0           1.5                    7.1                     
  $ 15001 -  20000     9.0             5.1           2.1                    8.4                     
  $ 20001 -  25000     6.4             4.7           2.3                    7.1                     
  $ 25001 -  30000     7.1             6.4           3.6                    9.8                     
  $ 30001 -  35000     6.3             6.7           5.0                    7.8                     
  $ 35001 -  40000     6.7             8.1           5.1                   10.3                     
  $ 40001 -  45000     4.2             5.9           5.7                    4.9                     
  $ 45001 -  50000     5.0             7.7           6.8                    7.2                     
  $ 50001 -  75000    12.3            24.5          25.5                   18.1                     
  $ 75001 - 100000     3.9            10.9          15.3                    6.5                     
  OVER $100,000        2.7            13.5          26.4                    3.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-22,930            $0                   2.53                     
  $     1  -  5000                  $2,782           $17                   0.44                     
  $  5001 -  10000                  $7,210          $166                   1.14                     
  $ 10001 -  15000                 $12,576          $411                   1.78                     
  $ 15001 -  20000                 $17,479          $614                   2.29                     
  $ 20001 -  25000                 $22,397          $951                   2.71                     
  $ 25001 -  30000                 $27,619        $1,357                   3.34                     
  $ 30001 -  35000                 $32,423        $2,082                   3.02                     
  $ 35001 -  40000                 $37,264        $2,029                   3.77                     
  $ 40001 -  45000                 $42,684        $3,573                   2.86                     
  $ 45001 -  50000                 $47,003        $3,564                   3.49                     
  $ 50001 -  75000                 $61,103        $5,513                   3.60                     
  $ 75001 - 100000                 $86,646       $10,538                   4.12                     
  OVER $100,000                   $153,656       $26,075                   3.22                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,595        $2,651                   2.44                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   MORGAN UT                                                        
                        _________________________________________________                           
  UNDER $1               18      $-462,523        $1,863     -0.40          38                      
  $     1  -  5000      333       $835,338        $5,192      0.62          70                      
  $  5001 -  10000      209     $1,513,368       $55,125      3.64         117                      
  $ 10001 -  15000      187     $2,292,930      $102,264      4.46         242                      
  $ 15001 -  20000      173     $2,992,349      $166,383      5.56         292                      
  $ 20001 -  25000      155     $3,483,955      $233,340      6.70         300                      
  $ 25001 -  30000      136     $3,701,309      $248,341      6.71         298                      
  $ 30001 -  35000      134     $4,368,663      $291,660      6.68         358                      
  $ 35001 -  40000      131     $4,886,437      $325,041      6.65         391                      
  $ 40001 -  45000      132     $5,624,762      $424,269      7.54         408                      
  $ 45001 -  50000      105     $5,000,977      $390,790      7.81         325                      
  $ 50001 -  75000      403    $24,566,672    $2,053,910      8.36       1,545                      
  $ 75001 - 100000      178    $15,178,026    $1,704,299     11.23         673                      
  $100001 - 250000      113    $15,250,640    $2,380,201     15.61         465                      
  OVER $250,000          14     $7,582,454    $1,854,454     24.46          46                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,421     $96,815,357   $10,237,132     10.57        5,568                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.7            -0.5           0.0                    0.7                     
  $     1  -  5000    13.8             0.9           0.1                    1.3                     
  $  5001 -  10000     8.6             1.6           0.5                    2.1                     
  $ 10001 -  15000     7.7             2.4           1.0                    4.3                     
  $ 15001 -  20000     7.1             3.1           1.6                    5.2                     
  $ 20001 -  25000     6.4             3.6           2.3                    5.4                     
  $ 25001 -  30000     5.6             3.8           2.4                    5.4                     
  $ 30001 -  35000     5.5             4.5           2.8                    6.4                     
  $ 35001 -  40000     5.4             5.0           3.2                    7.0                     
  $ 40001 -  45000     5.5             5.8           4.1                    7.3                     
  $ 45001 -  50000     4.3             5.2           3.8                    5.8                     
  $ 50001 -  75000    16.6            25.4          20.1                   27.7                     
  $ 75001 - 100000     7.4            15.7          16.6                   12.1                     
  $100001 - 250000     4.7            15.8          23.3                    8.4                     
  OVER $250,000        0.6             7.8          18.1                    0.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-25,696          $104                   2.11                     
  $     1  -  5000                  $2,509           $16                   0.21                     
  $  5001 -  10000                  $7,241          $264                   0.56                     
  $ 10001 -  15000                 $12,262          $547                   1.29                     
  $ 15001 -  20000                 $17,297          $962                   1.69                     
  $ 20001 -  25000                 $22,477        $1,505                   1.94                     
  $ 25001 -  30000                 $27,216        $1,826                   2.19                     
  $ 30001 -  35000                 $32,602        $2,177                   2.67                     
  $ 35001 -  40000                 $37,301        $2,481                   2.98                     
  $ 40001 -  45000                 $42,612        $3,214                   3.09                     
  $ 45001 -  50000                 $47,628        $3,722                   3.10                     
  $ 50001 -  75000                 $60,959        $5,097                   3.83                     
  $ 75001 - 100000                 $85,270        $9,575                   3.78                     
  $100001 - 250000                $134,961       $21,064                   4.12                     
  OVER $250,000                   $541,604      $132,461                   3.29                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,990        $4,228                   2.30                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                    
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   MOUNT PLEASANT UT                                                
                        _________________________________________________                           
  UNDER $1               16      $-488,117            $0      0.00          35                      
  $     1  -  5000      167       $453,877        $4,579      1.01         114                      
  $  5001 -  10000      150     $1,140,568       $23,685      2.08         236                      
  $ 10001 -  15000      146     $1,826,704       $52,915      2.90         302                      
  $ 15001 -  20000       95     $1,650,619       $79,487      4.82         193                      
  $ 20001 -  25000       86     $1,937,413       $98,864      5.10         221                      
  $ 25001 -  30000       76     $2,089,138       $98,236      4.70         229                      
  $ 30001 -  35000       71     $2,307,517      $140,055      6.07         221                      
  $ 35001 -  40000       48     $1,795,701       $95,852      5.34         186                      
  $ 40001 -  45000       42     $1,796,981      $131,106      7.30         126                      
  $ 45001 -  50000       38     $1,791,725      $132,858      7.42         134                      
  $ 50001 -  75000      151     $9,013,525      $743,439      8.25         587                      
  $ 75001 - 100000       32     $2,785,973      $329,187     11.82         125                      
  OVER $100,000          25     $5,058,336    $1,157,200     22.88          87                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,143     $33,159,960    $3,087,463      9.31        2,796                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.4            -1.5           0.0                    1.3                     
  $     1  -  5000    14.6             1.4           0.1                    4.1                     
  $  5001 -  10000    13.1             3.4           0.8                    8.4                     
  $ 10001 -  15000    12.8             5.5           1.7                   10.8                     
  $ 15001 -  20000     8.3             5.0           2.6                    6.9                     
  $ 20001 -  25000     7.5             5.8           3.2                    7.9                     
  $ 25001 -  30000     6.6             6.3           3.2                    8.2                     
  $ 30001 -  35000     6.2             7.0           4.5                    7.9                     
  $ 35001 -  40000     4.2             5.4           3.1                    6.7                     
  $ 40001 -  45000     3.7             5.4           4.2                    4.5                     
  $ 45001 -  50000     3.3             5.4           4.3                    4.8                     
  $ 50001 -  75000    13.2            27.2          24.1                   21.0                     
  $ 75001 - 100000     2.8             8.4          10.7                    4.5                     
  OVER $100,000        2.2            15.3          37.5                    3.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-30,507            $0                   2.19                     
  $     1  -  5000                  $2,718           $27                   0.68                     
  $  5001 -  10000                  $7,604          $158                   1.57                     
  $ 10001 -  15000                 $12,512          $362                   2.07                     
  $ 15001 -  20000                 $17,375          $837                   2.03                     
  $ 20001 -  25000                 $22,528        $1,150                   2.57                     
  $ 25001 -  30000                 $27,489        $1,293                   3.01                     
  $ 30001 -  35000                 $32,500        $1,973                   3.11                     
  $ 35001 -  40000                 $37,410        $1,997                   3.88                     
  $ 40001 -  45000                 $42,785        $3,122                   3.00                     
  $ 45001 -  50000                 $47,151        $3,496                   3.53                     
  $ 50001 -  75000                 $59,692        $4,923                   3.89                     
  $ 75001 - 100000                 $87,062       $10,287                   3.91                     
  OVER $100,000                   $202,333       $46,288                   3.48                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $29,011        $2,701                   2.45                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   MURRAY UT                                                        
                        _________________________________________________                           
  UNDER $1               66    $-1,793,606       $19,459     -1.08         103                      
  $     1  -  5000    1,720     $4,617,223       $37,478      0.81         875                      
  $  5001 -  10000    1,620    $12,222,361      $308,979      2.53       1,667                      
  $ 10001 -  15000    1,664    $20,781,340      $869,530      4.18       2,347                      
  $ 15001 -  20000    1,770    $30,959,826    $1,690,434      5.46       2,854                      
  $ 20001 -  25000    1,598    $35,816,834    $2,464,596      6.88       2,761                      
  $ 25001 -  30000    1,347    $36,952,063    $2,881,006      7.80       2,466                      
  $ 30001 -  35000    1,106    $35,827,185    $2,919,232      8.15       2,189                      
  $ 35001 -  40000    1,000    $37,423,681    $3,229,502      8.63       2,199                      
  $ 40001 -  45000      797    $33,793,440    $3,100,782      9.18       1,823                      
  $ 45001 -  50000      699    $33,172,690    $3,017,678      9.10       1,867                      
  $ 50001 -  75000    2,185   $132,650,103   $13,383,257     10.09       6,387                      
  $ 75001 - 100000      973    $82,915,079   $10,041,163     12.11       3,230                      
  $100001 - 250000      663    $89,776,057   $15,052,092     16.77       2,211                      
  OVER $250,000         112    $52,425,055   $13,854,514     26.43         405                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             17,320    $637,539,331   $72,869,702     11.43       33,384                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.3           0.0                    0.3                     
  $     1  -  5000     9.9             0.7           0.1                    2.6                     
  $  5001 -  10000     9.4             1.9           0.4                    5.0                     
  $ 10001 -  15000     9.6             3.3           1.2                    7.0                     
  $ 15001 -  20000    10.2             4.9           2.3                    8.5                     
  $ 20001 -  25000     9.2             5.6           3.4                    8.3                     
  $ 25001 -  30000     7.8             5.8           4.0                    7.4                     
  $ 30001 -  35000     6.4             5.6           4.0                    6.6                     
  $ 35001 -  40000     5.8             5.9           4.4                    6.6                     
  $ 40001 -  45000     4.6             5.3           4.3                    5.5                     
  $ 45001 -  50000     4.0             5.2           4.1                    5.6                     
  $ 50001 -  75000    12.6            20.8          18.4                   19.1                     
  $ 75001 - 100000     5.6            13.0          13.8                    9.7                     
  $100001 - 250000     3.8            14.1          20.7                    6.6                     
  OVER $250,000        0.6             8.2          19.0                    1.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-27,176          $295                   1.56                     
  $     1  -  5000                  $2,684           $22                   0.51                     
  $  5001 -  10000                  $7,545          $191                   1.03                     
  $ 10001 -  15000                 $12,489          $523                   1.41                     
  $ 15001 -  20000                 $17,491          $955                   1.61                     
  $ 20001 -  25000                 $22,414        $1,542                   1.73                     
  $ 25001 -  30000                 $27,433        $2,139                   1.83                     
  $ 30001 -  35000                 $32,393        $2,639                   1.98                     
  $ 35001 -  40000                 $37,424        $3,230                   2.20                     
  $ 40001 -  45000                 $42,401        $3,891                   2.29                     
  $ 45001 -  50000                 $47,457        $4,317                   2.67                     
  $ 50001 -  75000                 $60,709        $6,125                   2.92                     
  $ 75001 - 100000                 $85,216       $10,320                   3.32                     
  $100001 - 250000                $135,409       $22,703                   3.33                     
  OVER $250,000                   $468,081      $123,701                   3.62                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $36,809        $4,207                   1.93                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   NEPHI UT                                                         
                        _________________________________________________                           
  UNDER $1               11      $-552,722          $322     -0.06          17                      
  $     1  -  5000      260       $727,793        $5,001      0.69          93                      
  $  5001 -  10000      208     $1,529,565       $39,662      2.59         224                      
  $ 10001 -  15000      181     $2,245,679       $73,227      3.26         323                      
  $ 15001 -  20000      137     $2,407,063      $111,673      4.64         284                      
  $ 20001 -  25000      136     $3,048,149      $154,450      5.07         323                      
  $ 25001 -  30000      120     $3,310,511      $158,904      4.80         366                      
  $ 30001 -  35000      104     $3,371,999      $178,365      5.29         325                      
  $ 35001 -  40000      106     $3,983,437      $242,792      6.10         350                      
  $ 40001 -  45000      107     $4,539,236      $275,339      6.07         394                      
  $ 45001 -  50000       92     $4,363,663      $263,062      6.03         364                      
  $ 50001 -  75000      274    $16,333,486    $1,332,157      8.16       1,027                      
  $ 75001 - 100000       59     $4,981,316      $529,423     10.63         256                      
  OVER $100,000          44     $8,059,833    $1,688,414     20.95         187                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,839     $58,349,008    $5,052,791      8.66        4,533                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.6            -0.9           0.0                    0.4                     
  $     1  -  5000    14.1             1.2           0.1                    2.1                     
  $  5001 -  10000    11.3             2.6           0.8                    4.9                     
  $ 10001 -  15000     9.8             3.8           1.4                    7.1                     
  $ 15001 -  20000     7.4             4.1           2.2                    6.3                     
  $ 20001 -  25000     7.4             5.2           3.1                    7.1                     
  $ 25001 -  30000     6.5             5.7           3.1                    8.1                     
  $ 30001 -  35000     5.7             5.8           3.5                    7.2                     
  $ 35001 -  40000     5.8             6.8           4.8                    7.7                     
  $ 40001 -  45000     5.8             7.8           5.4                    8.7                     
  $ 45001 -  50000     5.0             7.5           5.2                    8.0                     
  $ 50001 -  75000    14.9            28.0          26.4                   22.7                     
  $ 75001 - 100000     3.2             8.5          10.5                    5.6                     
  OVER $100,000        2.4            13.8          33.4                    4.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-50,247           $29                   1.55                     
  $     1  -  5000                  $2,799           $19                   0.36                     
  $  5001 -  10000                  $7,354          $191                   1.08                     
  $ 10001 -  15000                 $12,407          $405                   1.78                     
  $ 15001 -  20000                 $17,570          $815                   2.07                     
  $ 20001 -  25000                 $22,413        $1,136                   2.38                     
  $ 25001 -  30000                 $27,588        $1,324                   3.05                     
  $ 30001 -  35000                 $32,423        $1,715                   3.13                     
  $ 35001 -  40000                 $37,580        $2,290                   3.30                     
  $ 40001 -  45000                 $42,423        $2,573                   3.68                     
  $ 45001 -  50000                 $47,431        $2,859                   3.96                     
  $ 50001 -  75000                 $59,611        $4,862                   3.75                     
  $ 75001 - 100000                 $84,429        $8,973                   4.34                     
  OVER $100,000                   $183,178       $38,373                   4.25                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $31,729        $2,748                   2.46                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   NORTH LOGAN UT                                                   
                        _________________________________________________                           
  UNDER $ 5,000         263       $433,679        $4,002      0.92         120                      
  $  5001 -  10000      175     $1,261,072       $46,253      3.67         106                      
  $ 10001 -  15000      129     $1,608,847       $74,009      4.60         169                      
  $ 15001 -  20000       95     $1,679,031       $89,684      5.34         172                      
  $ 20001 -  25000       98     $2,204,823      $129,440      5.87         195                      
  $ 25001 -  30000       96     $2,624,688      $156,378      5.96         225                      
  $ 30001 -  35000       85     $2,761,646      $149,139      5.40         266                      
  $ 35001 -  40000       74     $2,782,100      $144,542      5.20         247                      
  $ 40001 -  45000       62     $2,619,302      $139,891      5.34         216                      
  $ 45001 -  50000       64     $3,039,795      $195,942      6.45         250                      
  $ 50001 -  75000      254    $15,505,987    $1,181,303      7.62         988                      
  $ 75001 - 100000      128    $10,922,871    $1,148,558     10.52         516                      
  OVER $100,000         111    $18,851,931    $3,352,374     17.78         426                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,634     $66,295,772    $6,811,515     10.27        3,896                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       16.1             0.7           0.1                    3.1                     
  $  5001 -  10000    10.7             1.9           0.7                    2.7                     
  $ 10001 -  15000     7.9             2.4           1.1                    4.3                     
  $ 15001 -  20000     5.8             2.5           1.3                    4.4                     
  $ 20001 -  25000     6.0             3.3           1.9                    5.0                     
  $ 25001 -  30000     5.9             4.0           2.3                    5.8                     
  $ 30001 -  35000     5.2             4.2           2.2                    6.8                     
  $ 35001 -  40000     4.5             4.2           2.1                    6.3                     
  $ 40001 -  45000     3.8             4.0           2.1                    5.5                     
  $ 45001 -  50000     3.9             4.6           2.9                    6.4                     
  $ 50001 -  75000    15.5            23.4          17.3                   25.4                     
  $ 75001 - 100000     7.8            16.5          16.9                   13.2                     
  OVER $100,000        6.8            28.4          49.2                   10.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $1,649           $15                   0.46                     
  $  5001 -  10000                  $7,206          $264                   0.61                     
  $ 10001 -  15000                 $12,472          $574                   1.31                     
  $ 15001 -  20000                 $17,674          $944                   1.81                     
  $ 20001 -  25000                 $22,498        $1,321                   1.99                     
  $ 25001 -  30000                 $27,341        $1,629                   2.34                     
  $ 30001 -  35000                 $32,490        $1,755                   3.13                     
  $ 35001 -  40000                 $37,596        $1,953                   3.34                     
  $ 40001 -  45000                 $42,247        $2,256                   3.48                     
  $ 45001 -  50000                 $47,497        $3,062                   3.91                     
  $ 50001 -  75000                 $61,047        $4,651                   3.89                     
  $ 75001 - 100000                 $85,335        $8,973                   4.03                     
  OVER $100,000                   $169,837       $30,202                   3.84                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $40,573        $4,169                   2.38                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                   
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   NORTH SALT LAKE U                                                
                        _________________________________________________                           
  UNDER $1               16      $-149,552            $0      0.00          15                      
  $     1  -  5000      443     $1,162,772       $16,532      1.42         140                      
  $  5001 -  10000      354     $2,632,556       $95,028      3.61         279                      
  $ 10001 -  15000      290     $3,661,704      $174,192      4.76         378                      
  $ 15001 -  20000      303     $5,276,015      $279,065      5.29         505                      
  $ 20001 -  25000      280     $6,283,627      $401,254      6.39         533                      
  $ 25001 -  30000      232     $6,336,405      $454,105      7.17         472                      
  $ 30001 -  35000      191     $6,179,361      $465,994      7.54         435                      
  $ 35001 -  40000      157     $5,862,942      $469,918      8.02         372                      
  $ 40001 -  45000      167     $7,086,087      $596,042      8.41         432                      
  $ 45001 -  50000      139     $6,577,962      $564,483      8.58         382                      
  $ 50001 -  75000      458    $28,374,145    $2,535,094      8.93       1,553                      
  $ 75001 - 100000      236    $20,223,881    $2,259,100     11.17         821                      
  $100001 - 250000      298    $41,981,664    $6,645,433     15.83       1,097                      
  OVER $250,000          50    $27,878,842    $7,120,163     25.54         179                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,614    $169,368,411   $22,076,403     13.03        7,593                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.1           0.0                    0.2                     
  $     1  -  5000    12.3             0.7           0.1                    1.8                     
  $  5001 -  10000     9.8             1.6           0.4                    3.7                     
  $ 10001 -  15000     8.0             2.2           0.8                    5.0                     
  $ 15001 -  20000     8.4             3.1           1.3                    6.7                     
  $ 20001 -  25000     7.7             3.7           1.8                    7.0                     
  $ 25001 -  30000     6.4             3.7           2.1                    6.2                     
  $ 30001 -  35000     5.3             3.6           2.1                    5.7                     
  $ 35001 -  40000     4.3             3.5           2.1                    4.9                     
  $ 40001 -  45000     4.6             4.2           2.7                    5.7                     
  $ 45001 -  50000     3.8             3.9           2.6                    5.0                     
  $ 50001 -  75000    12.7            16.8          11.5                   20.5                     
  $ 75001 - 100000     6.5            11.9          10.2                   10.8                     
  $100001 - 250000     8.2            24.8          30.1                   14.4                     
  OVER $250,000        1.4            16.5          32.3                    2.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                         $-9,347            $0                   0.94                     
  $     1  -  5000                  $2,625           $37                   0.32                     
  $  5001 -  10000                  $7,437          $268                   0.79                     
  $ 10001 -  15000                 $12,627          $601                   1.30                     
  $ 15001 -  20000                 $17,413          $921                   1.67                     
  $ 20001 -  25000                 $22,442        $1,433                   1.90                     
  $ 25001 -  30000                 $27,312        $1,957                   2.03                     
  $ 30001 -  35000                 $32,353        $2,440                   2.28                     
  $ 35001 -  40000                 $37,344        $2,993                   2.37                     
  $ 40001 -  45000                 $42,432        $3,569                   2.59                     
  $ 45001 -  50000                 $47,323        $4,061                   2.75                     
  $ 50001 -  75000                 $61,952        $5,535                   3.39                     
  $ 75001 - 100000                 $85,694        $9,572                   3.48                     
  $100001 - 250000                $140,878       $22,300                   3.68                     
  OVER $250,000                   $557,577      $142,403                   3.58                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $46,865        $6,109                   2.10                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   OGDEN UT                                                         
                        _________________________________________________                           
  UNDER $1              223    $-3,718,958       $13,471     -0.36         383                      
  $     1  -  5000    6,368    $16,717,827      $142,919      0.85       3,949                      
  $  5001 -  10000    6,221    $46,601,428    $1,176,836      2.53       7,111                      
  $ 10001 -  15000    5,794    $72,212,144    $2,777,814      3.85       9,027                      
  $ 15001 -  20000    5,469    $95,741,624    $4,831,109      5.05       9,910                      
  $ 20001 -  25000    4,787   $107,518,155    $6,493,760      6.04       9,645                      
  $ 25001 -  30000    4,022   $110,357,191    $7,506,262      6.80       8,717                      
  $ 30001 -  35000    3,394   $110,034,138    $8,035,271      7.30       7,948                      
  $ 35001 -  40000    3,170   $118,779,382    $9,397,226      7.91       7,984                      
  $ 40001 -  45000    2,693   $114,204,215    $9,427,555      8.25       7,316                      
  $ 45001 -  50000    2,342   $111,113,173    $9,575,987      8.62       6,732                      
  $ 50001 -  75000    7,764   $473,171,219   $44,929,815      9.50      24,589                      
  $ 75001 - 100000    3,299   $281,471,671   $34,545,782     12.27      10,690                      
  $100001 - 250000    2,122   $289,511,914   $48,925,190     16.90       6,733                      
  OVER $250,000         315   $178,986,749   $49,710,969     27.77         993                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             57,983  $2,122,701,872  $237,489,966     11.19      121,727                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.2           0.0                    0.3                     
  $     1  -  5000    11.0             0.8           0.1                    3.2                     
  $  5001 -  10000    10.7             2.2           0.5                    5.8                     
  $ 10001 -  15000    10.0             3.4           1.2                    7.4                     
  $ 15001 -  20000     9.4             4.5           2.0                    8.1                     
  $ 20001 -  25000     8.3             5.1           2.7                    7.9                     
  $ 25001 -  30000     6.9             5.2           3.2                    7.2                     
  $ 30001 -  35000     5.9             5.2           3.4                    6.5                     
  $ 35001 -  40000     5.5             5.6           4.0                    6.6                     
  $ 40001 -  45000     4.6             5.4           4.0                    6.0                     
  $ 45001 -  50000     4.0             5.2           4.0                    5.5                     
  $ 50001 -  75000    13.4            22.3          18.9                   20.2                     
  $ 75001 - 100000     5.7            13.3          14.5                    8.8                     
  $100001 - 250000     3.7            13.6          20.6                    5.5                     
  OVER $250,000        0.5             8.4          20.9                    0.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-16,677           $60                   1.72                     
  $     1  -  5000                  $2,625           $22                   0.62                     
  $  5001 -  10000                  $7,491          $189                   1.14                     
  $ 10001 -  15000                 $12,463          $479                   1.56                     
  $ 15001 -  20000                 $17,506          $883                   1.81                     
  $ 20001 -  25000                 $22,460        $1,357                   2.01                     
  $ 25001 -  30000                 $27,438        $1,866                   2.17                     
  $ 30001 -  35000                 $32,420        $2,367                   2.34                     
  $ 35001 -  40000                 $37,470        $2,964                   2.52                     
  $ 40001 -  45000                 $42,408        $3,501                   2.72                     
  $ 45001 -  50000                 $47,444        $4,089                   2.87                     
  $ 50001 -  75000                 $60,944        $5,787                   3.17                     
  $ 75001 - 100000                 $85,320       $10,472                   3.24                     
  $100001 - 250000                $136,434       $23,056                   3.17                     
  OVER $250,000                   $568,212      $157,813                   3.15                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $36,609        $4,096                   2.10                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                              
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   OREM UT                                                          
                        _________________________________________________                           
  UNDER $1              183   $-15,220,548        $5,771     -0.04         406                      
  $     1  -  5000    4,519    $12,126,877      $104,472      0.86       1,820                      
  $  5001 -  10000    3,964    $29,343,372      $844,767      2.88       3,886                      
  $ 10001 -  15000    3,200    $39,803,726    $1,544,591      3.88       5,125                      
  $ 15001 -  20000    2,725    $47,376,451    $2,205,446      4.66       5,276                      
  $ 20001 -  25000    2,263    $50,693,799    $2,602,854      5.13       5,145                      
  $ 25001 -  30000    1,912    $52,518,998    $2,926,788      5.57       4,877                      
  $ 30001 -  35000    1,664    $53,994,708    $3,272,350      6.06       4,623                      
  $ 35001 -  40000    1,497    $56,116,473    $3,779,004      6.73       4,423                      
  $ 40001 -  45000    1,285    $54,570,719    $3,830,288      7.02       4,049                      
  $ 45001 -  50000    1,143    $54,344,286    $3,827,842      7.04       3,985                      
  $ 50001 -  75000    3,794   $231,423,243   $18,233,114      7.88      14,305                      
  $ 75001 - 100000    1,718   $147,144,903   $15,066,419     10.24       7,017                      
  $100001 - 250000    1,418   $197,517,735   $30,684,765     15.54       6,128                      
  OVER $250,000         266   $169,750,934   $41,101,217     24.21       1,227                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             31,551  $1,181,505,676  $130,029,688     11.01       72,292                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.6            -1.3           0.0                    0.6                     
  $     1  -  5000    14.3             1.0           0.1                    2.5                     
  $  5001 -  10000    12.6             2.5           0.6                    5.4                     
  $ 10001 -  15000    10.1             3.4           1.2                    7.1                     
  $ 15001 -  20000     8.6             4.0           1.7                    7.3                     
  $ 20001 -  25000     7.2             4.3           2.0                    7.1                     
  $ 25001 -  30000     6.1             4.4           2.3                    6.7                     
  $ 30001 -  35000     5.3             4.6           2.5                    6.4                     
  $ 35001 -  40000     4.7             4.7           2.9                    6.1                     
  $ 40001 -  45000     4.1             4.6           2.9                    5.6                     
  $ 45001 -  50000     3.6             4.6           2.9                    5.5                     
  $ 50001 -  75000    12.0            19.6          14.0                   19.8                     
  $ 75001 - 100000     5.4            12.5          11.6                    9.7                     
  $100001 - 250000     4.5            16.7          23.6                    8.5                     
  OVER $250,000        0.8            14.4          31.6                    1.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-83,172           $32                   2.22                     
  $     1  -  5000                  $2,684           $23                   0.40                     
  $  5001 -  10000                  $7,402          $213                   0.98                     
  $ 10001 -  15000                 $12,439          $483                   1.60                     
  $ 15001 -  20000                 $17,386          $809                   1.94                     
  $ 20001 -  25000                 $22,401        $1,150                   2.27                     
  $ 25001 -  30000                 $27,468        $1,531                   2.55                     
  $ 30001 -  35000                 $32,449        $1,967                   2.78                     
  $ 35001 -  40000                 $37,486        $2,524                   2.95                     
  $ 40001 -  45000                 $42,467        $2,981                   3.15                     
  $ 45001 -  50000                 $47,545        $3,349                   3.49                     
  $ 50001 -  75000                 $60,997        $4,806                   3.77                     
  $ 75001 - 100000                 $85,649        $8,770                   4.08                     
  $100001 - 250000                $139,293       $21,639                   4.32                     
  OVER $250,000                   $638,161      $154,516                   4.61                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $37,447        $4,121                   2.29                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   OTHER TOWNS                                                      
                        _________________________________________________                           
  UNDER $1              568   $-20,259,761       $22,255     -0.11       1,361                      
  $     1  -  5000    5,928    $15,862,498      $102,815      0.65       3,262                      
  $  5001 -  10000    5,053    $37,564,727      $867,822      2.31       6,319                      
  $ 10001 -  15000    4,412    $55,063,792    $1,954,587      3.55       8,115                      
  $ 15001 -  20000    3,642    $63,375,666    $2,732,977      4.31       7,986                      
  $ 20001 -  25000    3,129    $70,209,400    $3,570,619      5.09       7,817                      
  $ 25001 -  30000    2,765    $75,973,634    $4,139,982      5.45       7,864                      
  $ 30001 -  35000    2,446    $79,497,963    $4,622,574      5.81       7,605                      
  $ 35001 -  40000    2,313    $86,671,285    $5,360,027      6.18       7,728                      
  $ 40001 -  45000    2,115    $89,788,848    $6,077,839      6.77       7,340                      
  $ 45001 -  50000    1,788    $84,738,945    $6,069,351      7.16       6,419                      
  $ 50001 -  75000    5,757   $347,434,485   $29,492,333      8.49      21,413                      
  $ 75001 - 100000    1,999   $169,574,090   $19,436,417     11.46       7,341                      
  $100001 - 250000    1,124   $151,126,070   $24,563,341     16.25       4,081                      
  OVER $250,000         136    $94,374,313   $25,408,182     26.92         441                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             43,175  $1,400,995,955  $134,421,121      9.59      105,092                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.3            -1.4           0.0                    1.3                     
  $     1  -  5000    13.7             1.1           0.1                    3.1                     
  $  5001 -  10000    11.7             2.7           0.6                    6.0                     
  $ 10001 -  15000    10.2             3.9           1.5                    7.7                     
  $ 15001 -  20000     8.4             4.5           2.0                    7.6                     
  $ 20001 -  25000     7.2             5.0           2.7                    7.4                     
  $ 25001 -  30000     6.4             5.4           3.1                    7.5                     
  $ 30001 -  35000     5.7             5.7           3.4                    7.2                     
  $ 35001 -  40000     5.4             6.2           4.0                    7.4                     
  $ 40001 -  45000     4.9             6.4           4.5                    7.0                     
  $ 45001 -  50000     4.1             6.0           4.5                    6.1                     
  $ 50001 -  75000    13.3            24.8          21.9                   20.4                     
  $ 75001 - 100000     4.6            12.1          14.5                    7.0                     
  $100001 - 250000     2.6            10.8          18.3                    3.9                     
  OVER $250,000        0.3             6.7          18.9                    0.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-35,669           $39                   2.40                     
  $     1  -  5000                  $2,676           $17                   0.55                     
  $  5001 -  10000                  $7,434          $172                   1.25                     
  $ 10001 -  15000                 $12,480          $443                   1.84                     
  $ 15001 -  20000                 $17,401          $750                   2.19                     
  $ 20001 -  25000                 $22,438        $1,141                   2.50                     
  $ 25001 -  30000                 $27,477        $1,497                   2.84                     
  $ 30001 -  35000                 $32,501        $1,890                   3.11                     
  $ 35001 -  40000                 $37,471        $2,317                   3.34                     
  $ 40001 -  45000                 $42,453        $2,874                   3.47                     
  $ 45001 -  50000                 $47,393        $3,394                   3.59                     
  $ 50001 -  75000                 $60,350        $5,123                   3.72                     
  $ 75001 - 100000                 $84,829        $9,723                   3.67                     
  $100001 - 250000                $134,454       $21,854                   3.63                     
  OVER $250,000                   $693,929      $186,825                   3.24                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $32,449        $3,113                   2.43                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   PANGIUTCH UT                                                     
                        _________________________________________________                           
  UNDER $ 5,000         139       $299,578          $424      0.14          66                      
  $  5001 -  10000      122       $875,390       $20,053      2.29         129                      
  $ 10001 -  15000      104     $1,297,247       $39,330      3.03         208                      
  $ 15001 -  20000       87     $1,493,428       $55,474      3.71         202                      
  $ 20001 -  25000       55     $1,238,818       $65,774      5.31         136                      
  $ 25001 -  30000       54     $1,480,057       $83,778      5.66         150                      
  $ 30001 -  35000       51     $1,642,667       $80,427      4.90         171                      
  $ 35001 -  40000       44     $1,644,728      $114,902      6.99         132                      
  $ 40001 -  45000       33     $1,389,740       $84,784      6.10         131                      
  $ 45001 -  50000       20       $945,602       $67,137      7.10          72                      
  $ 50001 -  75000       62     $3,814,749      $342,013      8.97         248                      
  $ 75001 - 100000       20     $1,651,211      $182,562     11.06          81                      
  $100001 - 250000       13     $1,630,381      $292,851     17.96          46                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                804     $19,403,596    $1,429,509      7.37        1,772                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       17.3             1.5           0.0                    3.7                     
  $  5001 -  10000    15.2             4.5           1.4                    7.3                     
  $ 10001 -  15000    12.9             6.7           2.8                   11.7                     
  $ 15001 -  20000    10.8             7.7           3.9                   11.4                     
  $ 20001 -  25000     6.8             6.4           4.6                    7.7                     
  $ 25001 -  30000     6.7             7.6           5.9                    8.5                     
  $ 30001 -  35000     6.3             8.5           5.6                    9.7                     
  $ 35001 -  40000     5.5             8.5           8.0                    7.4                     
  $ 40001 -  45000     4.1             7.2           5.9                    7.4                     
  $ 45001 -  50000     2.5             4.9           4.7                    4.1                     
  $ 50001 -  75000     7.7            19.7          23.9                   14.0                     
  $ 75001 - 100000     2.5             8.5          12.8                    4.6                     
  $100001 - 250000     1.6             8.4          20.5                    2.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,155            $3                   0.47                     
  $  5001 -  10000                  $7,175          $164                   1.06                     
  $ 10001 -  15000                 $12,474          $378                   2.00                     
  $ 15001 -  20000                 $17,166          $638                   2.32                     
  $ 20001 -  25000                 $22,524        $1,196                   2.47                     
  $ 25001 -  30000                 $27,408        $1,551                   2.78                     
  $ 30001 -  35000                 $32,209        $1,577                   3.35                     
  $ 35001 -  40000                 $37,380        $2,611                   3.00                     
  $ 40001 -  45000                 $42,113        $2,569                   3.97                     
  $ 45001 -  50000                 $47,280        $3,357                   3.60                     
  $ 50001 -  75000                 $61,528        $5,516                   4.00                     
  $ 75001 - 100000                 $82,561        $9,128                   4.05                     
  $100001 - 250000                $125,414       $22,527                   3.54                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $24,134        $1,778                   2.20                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   PARK CITY UT                                                     
                        _________________________________________________                           
  UNDER $1              110    $-7,085,209       $54,569     -0.77         155                      
  $     1  -  5000    1,037     $2,544,260       $74,333      2.92         322                      
  $  5001 -  10000      750     $5,602,429      $218,044      3.89         606                      
  $ 10001 -  15000      668     $8,306,012      $438,563      5.28         824                      
  $ 15001 -  20000      653    $11,435,645      $780,231      6.82         895                      
  $ 20001 -  25000      530    $11,953,643      $963,112      8.06         752                      
  $ 25001 -  30000      448    $12,311,697    $1,061,569      8.62         678                      
  $ 30001 -  35000      382    $12,374,803    $1,145,703      9.26         585                      
  $ 35001 -  40000      317    $11,897,746    $1,089,636      9.16         578                      
  $ 40001 -  45000      241    $10,223,531      $932,570      9.12         482                      
  $ 45001 -  50000      256    $12,190,264    $1,134,955      9.31         534                      
  $ 50001 -  75000      975    $60,699,266    $6,322,185     10.42       2,353                      
  $ 75001 - 100000      720    $62,623,542    $7,634,673     12.19       2,039                      
  $100001 - 250000    1,497   $224,539,769   $38,197,459     17.01       4,482                      
  OVER $250,000         393   $235,860,402   $65,309,400     27.69       1,158                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,977    $675,477,800  $125,357,002     18.56       16,443                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.2            -1.0           0.0                    0.9                     
  $     1  -  5000    11.6             0.4           0.1                    2.0                     
  $  5001 -  10000     8.4             0.8           0.2                    3.7                     
  $ 10001 -  15000     7.4             1.2           0.3                    5.0                     
  $ 15001 -  20000     7.3             1.7           0.6                    5.4                     
  $ 20001 -  25000     5.9             1.8           0.8                    4.6                     
  $ 25001 -  30000     5.0             1.8           0.8                    4.1                     
  $ 30001 -  35000     4.3             1.8           0.9                    3.6                     
  $ 35001 -  40000     3.5             1.8           0.9                    3.5                     
  $ 40001 -  45000     2.7             1.5           0.7                    2.9                     
  $ 45001 -  50000     2.9             1.8           0.9                    3.2                     
  $ 50001 -  75000    10.9             9.0           5.0                   14.3                     
  $ 75001 - 100000     8.0             9.3           6.1                   12.4                     
  $100001 - 250000    16.7            33.2          30.5                   27.3                     
  OVER $250,000        4.4            34.9          52.1                    7.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-64,411          $496                   1.41                     
  $     1  -  5000                  $2,453           $72                   0.31                     
  $  5001 -  10000                  $7,470          $291                   0.81                     
  $ 10001 -  15000                 $12,434          $657                   1.23                     
  $ 15001 -  20000                 $17,512        $1,195                   1.37                     
  $ 20001 -  25000                 $22,554        $1,817                   1.42                     
  $ 25001 -  30000                 $27,481        $2,370                   1.51                     
  $ 30001 -  35000                 $32,395        $2,999                   1.53                     
  $ 35001 -  40000                 $37,532        $3,437                   1.82                     
  $ 40001 -  45000                 $42,421        $3,870                   2.00                     
  $ 45001 -  50000                 $47,618        $4,433                   2.09                     
  $ 50001 -  75000                 $62,256        $6,484                   2.41                     
  $ 75001 - 100000                 $86,977       $10,604                   2.83                     
  $100001 - 250000                $149,993       $25,516                   2.99                     
  OVER $250,000                   $600,154      $166,182                   2.95                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $75,245       $13,964                   1.83                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   PAROWAN UT                                                       
                        _________________________________________________                           
  UNDER $1               12      $-365,487            $0      0.00          29                      
  $     1  -  5000      103       $287,464          $-24     -0.01          92                      
  $  5001 -  10000      124       $937,301       $20,840      2.22         162                      
  $ 10001 -  15000      148     $1,851,220       $62,767      3.39         274                      
  $ 15001 -  20000      130     $2,273,683       $73,091      3.21         295                      
  $ 20001 -  25000       82     $1,863,173       $89,220      4.79         211                      
  $ 25001 -  30000       66     $1,823,797      $105,485      5.78         180                      
  $ 30001 -  35000       56     $1,824,163      $111,457      6.11         193                      
  $ 35001 -  40000       63     $2,355,508      $156,253      6.63         207                      
  $ 40001 -  45000       35     $1,482,055      $104,397      7.04         118                      
  $ 45001 -  50000       40     $1,889,394      $133,345      7.06         147                      
  $ 50001 -  75000      106     $6,485,281      $573,229      8.84         371                      
  $ 75001 - 100000       25     $2,150,804      $247,539     11.51          88                      
  OVER $100,000          14     $3,315,847      $680,006     20.51          37                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,004     $28,174,203    $2,357,605      8.37        2,404                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.2            -1.3           0.0                    1.2                     
  $     1  -  5000    10.3             1.0          -0.0                    3.8                     
  $  5001 -  10000    12.4             3.3           0.9                    6.7                     
  $ 10001 -  15000    14.7             6.6           2.7                   11.4                     
  $ 15001 -  20000    12.9             8.1           3.1                   12.3                     
  $ 20001 -  25000     8.2             6.6           3.8                    8.8                     
  $ 25001 -  30000     6.6             6.5           4.5                    7.5                     
  $ 30001 -  35000     5.6             6.5           4.7                    8.0                     
  $ 35001 -  40000     6.3             8.4           6.6                    8.6                     
  $ 40001 -  45000     3.5             5.3           4.4                    4.9                     
  $ 45001 -  50000     4.0             6.7           5.7                    6.1                     
  $ 50001 -  75000    10.6            23.0          24.3                   15.4                     
  $ 75001 - 100000     2.5             7.6          10.5                    3.7                     
  OVER $100,000        1.4            11.8          28.8                    1.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-30,457            $0                   2.42                     
  $     1  -  5000                  $2,791           $-0                   0.89                     
  $  5001 -  10000                  $7,559          $168                   1.31                     
  $ 10001 -  15000                 $12,508          $424                   1.85                     
  $ 15001 -  20000                 $17,490          $562                   2.27                     
  $ 20001 -  25000                 $22,722        $1,088                   2.57                     
  $ 25001 -  30000                 $27,633        $1,598                   2.73                     
  $ 30001 -  35000                 $32,574        $1,990                   3.45                     
  $ 35001 -  40000                 $37,389        $2,480                   3.29                     
  $ 40001 -  45000                 $42,344        $2,983                   3.37                     
  $ 45001 -  50000                 $47,235        $3,334                   3.68                     
  $ 50001 -  75000                 $61,182        $5,408                   3.50                     
  $ 75001 - 100000                 $86,032        $9,902                   3.52                     
  OVER $100,000                   $236,846       $48,572                   2.64                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $28,062        $2,348                   2.39                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   PAYSON UT                                                        
                        _________________________________________________                           
  UNDER $1               23      $-742,841            $0      0.00          67                      
  $     1  -  5000      644     $1,741,993       $10,457      0.60         284                      
  $  5001 -  10000      633     $4,718,393      $151,268      3.21         609                      
  $ 10001 -  15000      527     $6,576,792      $266,437      4.05         828                      
  $ 15001 -  20000      496     $8,663,478      $473,603      5.47         927                      
  $ 20001 -  25000      426     $9,568,653      $514,820      5.38         971                      
  $ 25001 -  30000      396    $10,888,890      $594,218      5.46       1,086                      
  $ 30001 -  35000      332    $10,802,615      $564,778      5.23       1,061                      
  $ 35001 -  40000      336    $12,582,621      $695,614      5.53       1,217                      
  $ 40001 -  45000      318    $13,500,016      $761,224      5.64       1,183                      
  $ 45001 -  50000      270    $12,806,780      $820,009      6.40       1,044                      
  $ 50001 -  75000      831    $49,782,964    $3,877,513      7.79       3,245                      
  $ 75001 - 100000      203    $17,195,052    $1,877,669     10.92         782                      
  $100001 - 250000      116    $16,385,007    $2,674,277     16.32         483                      
  OVER $250,000          16     $7,574,370    $2,188,678     28.90          63                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              5,567    $182,044,783   $15,470,565      8.50       13,850                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.4           0.0                    0.5                     
  $     1  -  5000    11.6             1.0           0.1                    2.1                     
  $  5001 -  10000    11.4             2.6           1.0                    4.4                     
  $ 10001 -  15000     9.5             3.6           1.7                    6.0                     
  $ 15001 -  20000     8.9             4.8           3.1                    6.7                     
  $ 20001 -  25000     7.7             5.3           3.3                    7.0                     
  $ 25001 -  30000     7.1             6.0           3.8                    7.8                     
  $ 30001 -  35000     6.0             5.9           3.7                    7.7                     
  $ 35001 -  40000     6.0             6.9           4.5                    8.8                     
  $ 40001 -  45000     5.7             7.4           4.9                    8.5                     
  $ 45001 -  50000     4.9             7.0           5.3                    7.5                     
  $ 50001 -  75000    14.9            27.3          25.1                   23.4                     
  $ 75001 - 100000     3.6             9.4          12.1                    5.6                     
  $100001 - 250000     2.1             9.0          17.3                    3.5                     
  OVER $250,000        0.3             4.2          14.1                    0.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-32,297            $0                   2.91                     
  $     1  -  5000                  $2,705           $16                   0.44                     
  $  5001 -  10000                  $7,454          $239                   0.96                     
  $ 10001 -  15000                 $12,480          $506                   1.57                     
  $ 15001 -  20000                 $17,467          $955                   1.87                     
  $ 20001 -  25000                 $22,462        $1,208                   2.28                     
  $ 25001 -  30000                 $27,497        $1,501                   2.74                     
  $ 30001 -  35000                 $32,538        $1,701                   3.20                     
  $ 35001 -  40000                 $37,448        $2,070                   3.62                     
  $ 40001 -  45000                 $42,453        $2,394                   3.72                     
  $ 45001 -  50000                 $47,433        $3,037                   3.87                     
  $ 50001 -  75000                 $59,907        $4,666                   3.90                     
  $ 75001 - 100000                 $84,705        $9,250                   3.85                     
  $100001 - 250000                $141,250       $23,054                   4.16                     
  OVER $250,000                   $473,398      $136,792                   3.94                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $32,701        $2,779                   2.49                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   PERRY UT                                                         
                        _________________________________________________                           
  UNDER $ 5,000         100        $25,788        $1,015      3.94          50                      
  $  5001 -  10000       69       $495,110       $15,289      3.09          43                      
  $ 10001 -  15000       58       $733,527       $27,760      3.78          81                      
  $ 15001 -  20000       43       $750,237       $37,955      5.06          80                      
  $ 20001 -  25000       47     $1,049,981       $63,144      6.01          96                      
  $ 25001 -  30000       44     $1,197,047       $66,974      5.59         103                      
  $ 30001 -  35000       43     $1,400,779       $93,709      6.69          99                      
  $ 35001 -  40000       46     $1,735,735      $110,853      6.39         141                      
  $ 40001 -  45000       55     $2,347,023      $154,297      6.57         188                      
  $ 45001 -  50000       50     $2,377,409      $180,751      7.60         158                      
  $ 50001 -  75000      178    $11,119,998      $956,126      8.60         623                      
  $ 75001 - 100000       76     $6,463,688      $719,325     11.13         285                      
  OVER $100,000          43     $7,087,128    $1,342,813     18.95         141                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                852     $36,783,450    $3,770,011     10.25        2,088                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       11.7             0.1           0.0                    2.4                     
  $  5001 -  10000     8.1             1.3           0.4                    2.1                     
  $ 10001 -  15000     6.8             2.0           0.7                    3.9                     
  $ 15001 -  20000     5.0             2.0           1.0                    3.8                     
  $ 20001 -  25000     5.5             2.9           1.7                    4.6                     
  $ 25001 -  30000     5.2             3.3           1.8                    4.9                     
  $ 30001 -  35000     5.0             3.8           2.5                    4.7                     
  $ 35001 -  40000     5.4             4.7           2.9                    6.8                     
  $ 40001 -  45000     6.5             6.4           4.1                    9.0                     
  $ 45001 -  50000     5.9             6.5           4.8                    7.6                     
  $ 50001 -  75000    20.9            30.2          25.4                   29.8                     
  $ 75001 - 100000     8.9            17.6          19.1                   13.6                     
  OVER $100,000        5.0            19.3          35.6                    6.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                       $258           $10                   0.50                     
  $  5001 -  10000                  $7,176          $222                   0.62                     
  $ 10001 -  15000                 $12,647          $479                   1.40                     
  $ 15001 -  20000                 $17,447          $883                   1.86                     
  $ 20001 -  25000                 $22,340        $1,343                   2.04                     
  $ 25001 -  30000                 $27,206        $1,522                   2.34                     
  $ 30001 -  35000                 $32,576        $2,179                   2.30                     
  $ 35001 -  40000                 $37,733        $2,410                   3.07                     
  $ 40001 -  45000                 $42,673        $2,805                   3.42                     
  $ 45001 -  50000                 $47,548        $3,615                   3.16                     
  $ 50001 -  75000                 $62,472        $5,371                   3.50                     
  $ 75001 - 100000                 $85,049        $9,465                   3.75                     
  OVER $100,000                   $164,817       $31,228                   3.28                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $43,173        $4,425                   2.45                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                    
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   PLEASANT GROVE UT                                                
                        _________________________________________________                           
  UNDER $1               46    $-2,342,305        $2,096     -0.09         121                      
  $     1  -  5000    1,002     $2,723,839       $14,601      0.54         403                      
  $  5001 -  10000      858     $6,415,512      $184,861      2.88         842                      
  $ 10001 -  15000      727     $9,060,407      $348,511      3.85       1,182                      
  $ 15001 -  20000      616    $10,691,341      $499,318      4.67       1,203                      
  $ 20001 -  25000      485    $10,891,290      $598,175      5.49       1,041                      
  $ 25001 -  30000      487    $13,376,710      $758,137      5.67       1,302                      
  $ 30001 -  35000      434    $14,077,631      $789,618      5.61       1,270                      
  $ 35001 -  40000      400    $15,001,145      $795,480      5.30       1,382                      
  $ 40001 -  45000      424    $17,998,312    $1,029,066      5.72       1,555                      
  $ 45001 -  50000      388    $18,470,373    $1,108,400      6.00       1,467                      
  $ 50001 -  75000    1,447    $88,332,114    $6,443,169      7.29       5,800                      
  $ 75001 - 100000      532    $45,222,647    $4,501,512      9.95       2,153                      
  $100001 - 250000      396    $53,843,398    $8,484,068     15.76       1,631                      
  OVER $250,000          43    $19,414,434    $5,022,187     25.87         176                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,285    $323,176,848   $30,579,199      9.46       21,528                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.6            -0.7           0.0                    0.6                     
  $     1  -  5000    12.1             0.8           0.0                    1.9                     
  $  5001 -  10000    10.4             2.0           0.6                    3.9                     
  $ 10001 -  15000     8.8             2.8           1.1                    5.5                     
  $ 15001 -  20000     7.4             3.3           1.6                    5.6                     
  $ 20001 -  25000     5.9             3.4           2.0                    4.8                     
  $ 25001 -  30000     5.9             4.1           2.5                    6.0                     
  $ 30001 -  35000     5.2             4.4           2.6                    5.9                     
  $ 35001 -  40000     4.8             4.6           2.6                    6.4                     
  $ 40001 -  45000     5.1             5.6           3.4                    7.2                     
  $ 45001 -  50000     4.7             5.7           3.6                    6.8                     
  $ 50001 -  75000    17.5            27.3          21.1                   26.9                     
  $ 75001 - 100000     6.4            14.0          14.7                   10.0                     
  $100001 - 250000     4.8            16.7          27.7                    7.6                     
  OVER $250,000        0.5             6.0          16.4                    0.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-50,920           $46                   2.63                     
  $     1  -  5000                  $2,718           $15                   0.40                     
  $  5001 -  10000                  $7,477          $215                   0.98                     
  $ 10001 -  15000                 $12,463          $479                   1.63                     
  $ 15001 -  20000                 $17,356          $811                   1.95                     
  $ 20001 -  25000                 $22,456        $1,233                   2.15                     
  $ 25001 -  30000                 $27,468        $1,557                   2.67                     
  $ 30001 -  35000                 $32,437        $1,819                   2.93                     
  $ 35001 -  40000                 $37,503        $1,989                   3.46                     
  $ 40001 -  45000                 $42,449        $2,427                   3.67                     
  $ 45001 -  50000                 $47,604        $2,857                   3.78                     
  $ 50001 -  75000                 $61,045        $4,453                   4.01                     
  $ 75001 - 100000                 $85,005        $8,461                   4.05                     
  $100001 - 250000                $135,968       $21,424                   4.12                     
  OVER $250,000                   $451,498      $116,795                   4.09                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,007        $3,691                   2.60                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   PRICE UT                                                         
                        _________________________________________________                           
  UNDER $1               25    $-2,618,336        $9,859     -0.38          42                      
  $     1  -  5000      755     $2,021,106       $17,029      0.84         485                      
  $  5001 -  10000      657     $4,881,572      $111,981      2.29         793                      
  $ 10001 -  15000      515     $6,420,672      $229,437      3.57         836                      
  $ 15001 -  20000      367     $6,362,241      $296,076      4.65         703                      
  $ 20001 -  25000      326     $7,365,642      $449,633      6.10         670                      
  $ 25001 -  30000      293     $8,035,253      $503,312      6.26         703                      
  $ 30001 -  35000      272     $8,838,090      $607,789      6.88         715                      
  $ 35001 -  40000      263     $9,866,777      $719,020      7.29         768                      
  $ 40001 -  45000      220     $9,362,576      $754,317      8.06         655                      
  $ 45001 -  50000      207     $9,860,734      $864,620      8.77         651                      
  $ 50001 -  75000      743    $45,443,515    $4,405,914      9.70       2,518                      
  $ 75001 - 100000      324    $27,503,203    $3,559,284     12.94       1,116                      
  $100001 - 250000      153    $19,970,918    $3,542,624     17.74         507                      
  OVER $250,000          21     $9,317,281    $2,735,855     29.36          65                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              5,141    $172,631,244   $18,806,750     10.89       11,227                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.5            -1.5           0.1                    0.4                     
  $     1  -  5000    14.7             1.2           0.1                    4.3                     
  $  5001 -  10000    12.8             2.8           0.6                    7.1                     
  $ 10001 -  15000    10.0             3.7           1.2                    7.4                     
  $ 15001 -  20000     7.1             3.7           1.6                    6.3                     
  $ 20001 -  25000     6.3             4.3           2.4                    6.0                     
  $ 25001 -  30000     5.7             4.7           2.7                    6.3                     
  $ 30001 -  35000     5.3             5.1           3.2                    6.4                     
  $ 35001 -  40000     5.1             5.7           3.8                    6.8                     
  $ 40001 -  45000     4.3             5.4           4.0                    5.8                     
  $ 45001 -  50000     4.0             5.7           4.6                    5.8                     
  $ 50001 -  75000    14.5            26.3          23.4                   22.4                     
  $ 75001 - 100000     6.3            15.9          18.9                    9.9                     
  $100001 - 250000     3.0            11.6          18.8                    4.5                     
  OVER $250,000        0.4             5.4          14.5                    0.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-104733          $394                   1.68                     
  $     1  -  5000                  $2,677           $23                   0.64                     
  $  5001 -  10000                  $7,430          $170                   1.21                     
  $ 10001 -  15000                 $12,467          $446                   1.62                     
  $ 15001 -  20000                 $17,336          $807                   1.92                     
  $ 20001 -  25000                 $22,594        $1,379                   2.06                     
  $ 25001 -  30000                 $27,424        $1,718                   2.40                     
  $ 30001 -  35000                 $32,493        $2,235                   2.63                     
  $ 35001 -  40000                 $37,516        $2,734                   2.92                     
  $ 40001 -  45000                 $42,557        $3,429                   2.98                     
  $ 45001 -  50000                 $47,636        $4,177                   3.14                     
  $ 50001 -  75000                 $61,162        $5,930                   3.39                     
  $ 75001 - 100000                 $84,886       $10,985                   3.44                     
  $100001 - 250000                $130,529       $23,154                   3.31                     
  OVER $250,000                   $443,680      $130,279                   3.10                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $33,579        $3,658                   2.18                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   PROVIDENCE UT                                                    
                        _________________________________________________                           
  UNDER $1               13      $-297,118        $8,275     -2.79          37                      
  $     1  -  5000      241       $675,636       $12,467      1.85          61                      
  $  5001 -  10000      173     $1,248,356       $41,112      3.29         108                      
  $ 10001 -  15000      111     $1,407,209       $55,945      3.98         153                      
  $ 15001 -  20000      103     $1,787,881       $76,848      4.30         177                      
  $ 20001 -  25000       93     $2,075,517      $132,966      6.41         187                      
  $ 25001 -  30000       67     $1,854,053      $128,190      6.91         140                      
  $ 30001 -  35000       76     $2,468,497      $141,672      5.74         218                      
  $ 35001 -  40000       75     $2,809,334      $176,213      6.27         248                      
  $ 40001 -  45000       73     $3,103,516      $182,045      5.87         245                      
  $ 45001 -  50000       70     $3,298,341      $216,159      6.55         246                      
  $ 50001 -  75000      299    $18,245,272    $1,416,143      7.76       1,139                      
  $ 75001 - 100000      138    $11,901,569    $1,315,134     11.05         536                      
  $100001 - 250000      123    $16,182,907    $2,571,158     15.89         470                      
  OVER $250,000          26    $18,011,328    $4,994,743     27.73          98                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,681     $84,772,298   $11,469,070     13.53        4,063                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -0.4           0.1                    0.9                     
  $     1  -  5000    14.3             0.8           0.1                    1.5                     
  $  5001 -  10000    10.3             1.5           0.4                    2.7                     
  $ 10001 -  15000     6.6             1.7           0.5                    3.8                     
  $ 15001 -  20000     6.1             2.1           0.7                    4.4                     
  $ 20001 -  25000     5.5             2.4           1.2                    4.6                     
  $ 25001 -  30000     4.0             2.2           1.1                    3.4                     
  $ 30001 -  35000     4.5             2.9           1.2                    5.4                     
  $ 35001 -  40000     4.5             3.3           1.5                    6.1                     
  $ 40001 -  45000     4.3             3.7           1.6                    6.0                     
  $ 45001 -  50000     4.2             3.9           1.9                    6.1                     
  $ 50001 -  75000    17.8            21.5          12.3                   28.0                     
  $ 75001 - 100000     8.2            14.0          11.5                   13.2                     
  $100001 - 250000     7.3            19.1          22.4                   11.6                     
  OVER $250,000        1.5            21.2          43.5                    2.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-22,855          $637                   2.85                     
  $     1  -  5000                  $2,803           $52                   0.25                     
  $  5001 -  10000                  $7,216          $238                   0.62                     
  $ 10001 -  15000                 $12,678          $504                   1.38                     
  $ 15001 -  20000                 $17,358          $746                   1.72                     
  $ 20001 -  25000                 $22,317        $1,430                   2.01                     
  $ 25001 -  30000                 $27,672        $1,913                   2.09                     
  $ 30001 -  35000                 $32,480        $1,864                   2.87                     
  $ 35001 -  40000                 $37,458        $2,350                   3.31                     
  $ 40001 -  45000                 $42,514        $2,494                   3.36                     
  $ 45001 -  50000                 $47,119        $3,088                   3.51                     
  $ 50001 -  75000                 $61,021        $4,736                   3.81                     
  $ 75001 - 100000                 $86,243        $9,530                   3.88                     
  $100001 - 250000                $131,568       $20,904                   3.82                     
  OVER $250,000                   $692,743      $192,106                   3.77                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $50,430        $6,823                   2.42                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   PROVO UT                                                         
                        _________________________________________________                           
  UNDER $1              219    $-8,221,386        $7,598     -0.09         418                      
  $     1  -  5000    4,877    $13,572,355       $95,709      0.71       2,661                      
  $  5001 -  10000    5,712    $42,389,424    $1,014,548      2.39       6,012                      
  $ 10001 -  15000    4,431    $55,035,319    $1,970,976      3.58       7,063                      
  $ 15001 -  20000    3,654    $63,603,811    $2,659,544      4.18       7,124                      
  $ 20001 -  25000    2,765    $61,768,787    $3,165,480      5.12       5,993                      
  $ 25001 -  30000    2,160    $59,296,696    $3,582,768      6.04       5,091                      
  $ 30001 -  35000    1,660    $53,898,527    $3,510,896      6.51       4,221                      
  $ 35001 -  40000    1,362    $50,990,357    $3,462,923      6.79       3,852                      
  $ 40001 -  45000    1,096    $46,515,119    $3,333,088      7.17       3,373                      
  $ 45001 -  50000      966    $45,804,031    $3,552,359      7.76       3,082                      
  $ 50001 -  75000    2,714   $164,677,125   $13,876,357      8.43       9,357                      
  $ 75001 - 100000    1,121    $96,402,529   $10,679,200     11.08       3,966                      
  $100001 - 250000    1,035   $143,116,399   $22,345,993     15.61       3,732                      
  OVER $250,000         236   $134,521,925   $35,162,947     26.14         872                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             34,008  $1,023,371,018  $108,420,386     10.59       66,817                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.6            -0.8           0.0                    0.6                     
  $     1  -  5000    14.3             1.3           0.1                    4.0                     
  $  5001 -  10000    16.8             4.1           0.9                    9.0                     
  $ 10001 -  15000    13.0             5.4           1.8                   10.6                     
  $ 15001 -  20000    10.7             6.2           2.5                   10.7                     
  $ 20001 -  25000     8.1             6.0           2.9                    9.0                     
  $ 25001 -  30000     6.4             5.8           3.3                    7.6                     
  $ 30001 -  35000     4.9             5.3           3.2                    6.3                     
  $ 35001 -  40000     4.0             5.0           3.2                    5.8                     
  $ 40001 -  45000     3.2             4.5           3.1                    5.0                     
  $ 45001 -  50000     2.8             4.5           3.3                    4.6                     
  $ 50001 -  75000     8.0            16.1          12.8                   14.0                     
  $ 75001 - 100000     3.3             9.4           9.8                    5.9                     
  $100001 - 250000     3.0            14.0          20.6                    5.6                     
  OVER $250,000        0.7            13.1          32.4                    1.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-37,541           $35                   1.91                     
  $     1  -  5000                  $2,783           $20                   0.55                     
  $  5001 -  10000                  $7,421          $178                   1.05                     
  $ 10001 -  15000                 $12,421          $445                   1.59                     
  $ 15001 -  20000                 $17,407          $728                   1.95                     
  $ 20001 -  25000                 $22,340        $1,145                   2.17                     
  $ 25001 -  30000                 $27,452        $1,659                   2.36                     
  $ 30001 -  35000                 $32,469        $2,115                   2.54                     
  $ 35001 -  40000                 $37,438        $2,543                   2.83                     
  $ 40001 -  45000                 $42,441        $3,041                   3.08                     
  $ 45001 -  50000                 $47,416        $3,677                   3.19                     
  $ 50001 -  75000                 $60,677        $5,113                   3.45                     
  $ 75001 - 100000                 $85,997        $9,526                   3.54                     
  $100001 - 250000                $138,277       $21,590                   3.61                     
  OVER $250,000                   $570,008      $148,996                   3.69                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,092        $3,188                   1.96                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   RICHFIELD UT                                                     
                        _________________________________________________                           
  UNDER $1               18      $-542,171            $0      0.00          50                      
  $     1  -  5000      422     $1,163,743       $11,725      1.01         245                      
  $  5001 -  10000      353     $2,651,748       $72,153      2.72         412                      
  $ 10001 -  15000      276     $3,437,981      $130,075      3.78         490                      
  $ 15001 -  20000      202     $3,514,096      $143,555      4.09         423                      
  $ 20001 -  25000      193     $4,365,960      $238,298      5.46         455                      
  $ 25001 -  30000      172     $4,710,112      $252,686      5.36         482                      
  $ 30001 -  35000      168     $5,450,707      $319,320      5.86         520                      
  $ 35001 -  40000      111     $4,169,314      $267,868      6.42         371                      
  $ 40001 -  45000      118     $4,990,835      $363,693      7.29         387                      
  $ 45001 -  50000      116     $5,526,976      $428,602      7.75         382                      
  $ 50001 -  75000      327    $19,769,495    $1,736,080      8.78       1,162                      
  $ 75001 - 100000      131    $11,161,979    $1,302,293     11.67         482                      
  OVER $100,000          89    $14,256,401    $2,588,808     18.16         368                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,696     $84,627,176    $7,855,156      9.28        6,229                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.7            -0.6           0.0                    0.8                     
  $     1  -  5000    15.7             1.4           0.1                    3.9                     
  $  5001 -  10000    13.1             3.1           0.9                    6.6                     
  $ 10001 -  15000    10.2             4.1           1.7                    7.9                     
  $ 15001 -  20000     7.5             4.2           1.8                    6.8                     
  $ 20001 -  25000     7.2             5.2           3.0                    7.3                     
  $ 25001 -  30000     6.4             5.6           3.2                    7.7                     
  $ 30001 -  35000     6.2             6.4           4.1                    8.3                     
  $ 35001 -  40000     4.1             4.9           3.4                    6.0                     
  $ 40001 -  45000     4.4             5.9           4.6                    6.2                     
  $ 45001 -  50000     4.3             6.5           5.5                    6.1                     
  $ 50001 -  75000    12.1            23.4          22.1                   18.7                     
  $ 75001 - 100000     4.9            13.2          16.6                    7.7                     
  OVER $100,000        3.3            16.8          33.0                    5.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-30,121            $0                   2.78                     
  $     1  -  5000                  $2,758           $28                   0.58                     
  $  5001 -  10000                  $7,512          $204                   1.17                     
  $ 10001 -  15000                 $12,456          $471                   1.78                     
  $ 15001 -  20000                 $17,397          $711                   2.09                     
  $ 20001 -  25000                 $22,622        $1,235                   2.36                     
  $ 25001 -  30000                 $27,384        $1,469                   2.80                     
  $ 30001 -  35000                 $32,445        $1,901                   3.10                     
  $ 35001 -  40000                 $37,561        $2,413                   3.34                     
  $ 40001 -  45000                 $42,295        $3,082                   3.28                     
  $ 45001 -  50000                 $47,646        $3,695                   3.29                     
  $ 50001 -  75000                 $60,457        $5,309                   3.55                     
  $ 75001 - 100000                 $85,206        $9,941                   3.68                     
  OVER $100,000                   $160,184       $29,088                   4.13                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $31,390        $2,914                   2.31                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   RICHMOND UT                                                      
                        _________________________________________________                           
  UNDER $ 5,000          97       $236,127          $831      0.35          38                      
  $  5001 -  10000       83       $629,924       $20,239      3.21          70                      
  $ 10001 -  15000       72       $891,565       $35,653      4.00         107                      
  $ 15001 -  20000       74     $1,301,520       $54,173      4.16         159                      
  $ 20001 -  25000       71     $1,586,647       $73,253      4.62         192                      
  $ 25001 -  30000       65     $1,777,574       $98,895      5.56         174                      
  $ 30001 -  35000       55     $1,785,368      $105,458      5.91         183                      
  $ 35001 -  40000       63     $2,358,243      $149,197      6.33         201                      
  $ 40001 -  45000       48     $2,025,508      $116,723      5.76         176                      
  $ 45001 -  50000       59     $2,790,606      $205,277      7.36         212                      
  $ 50001 -  75000      133     $7,951,251      $663,941      8.35         490                      
  $ 75001 - 100000       29     $2,450,508      $290,479     11.85         102                      
  OVER $100,000          22     $3,192,498      $576,620     18.06          64                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                871     $28,977,339    $2,390,739      8.25        2,168                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       11.1             0.8           0.0                    1.8                     
  $  5001 -  10000     9.5             2.2           0.8                    3.2                     
  $ 10001 -  15000     8.3             3.1           1.5                    4.9                     
  $ 15001 -  20000     8.5             4.5           2.3                    7.3                     
  $ 20001 -  25000     8.2             5.5           3.1                    8.9                     
  $ 25001 -  30000     7.5             6.1           4.1                    8.0                     
  $ 30001 -  35000     6.3             6.2           4.4                    8.4                     
  $ 35001 -  40000     7.2             8.1           6.2                    9.3                     
  $ 40001 -  45000     5.5             7.0           4.9                    8.1                     
  $ 45001 -  50000     6.8             9.6           8.6                    9.8                     
  $ 50001 -  75000    15.3            27.4          27.8                   22.6                     
  $ 75001 - 100000     3.3             8.5          12.2                    4.7                     
  OVER $100,000        2.5            11.0          24.1                    3.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,434            $9                   0.39                     
  $  5001 -  10000                  $7,589          $244                   0.84                     
  $ 10001 -  15000                 $12,383          $495                   1.49                     
  $ 15001 -  20000                 $17,588          $732                   2.15                     
  $ 20001 -  25000                 $22,347        $1,032                   2.70                     
  $ 25001 -  30000                 $27,347        $1,521                   2.68                     
  $ 30001 -  35000                 $32,461        $1,917                   3.33                     
  $ 35001 -  40000                 $37,432        $2,368                   3.19                     
  $ 40001 -  45000                 $42,198        $2,432                   3.67                     
  $ 45001 -  50000                 $47,298        $3,479                   3.59                     
  $ 50001 -  75000                 $59,784        $4,992                   3.68                     
  $ 75001 - 100000                 $84,500       $10,017                   3.52                     
  OVER $100,000                   $145,114       $26,210                   2.91                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $33,269        $2,745                   2.49                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   RIVERDALE UT                                                     
                        _________________________________________________                           
  UNDER $ 5,000         213       $471,868        $1,998      0.42         110                      
  $  5001 -  10000      196     $1,438,973       $38,743      2.69         216                      
  $ 10001 -  15000      177     $2,182,249       $95,223      4.36         273                      
  $ 15001 -  20000      165     $2,876,633      $159,895      5.56         272                      
  $ 20001 -  25000      152     $3,420,653      $231,251      6.76         279                      
  $ 25001 -  30000      143     $3,916,364      $281,920      7.20         284                      
  $ 30001 -  35000      121     $3,944,674      $283,976      7.20         278                      
  $ 35001 -  40000      116     $4,352,786      $368,043      8.46         276                      
  $ 40001 -  45000      116     $4,921,453      $366,225      7.44         335                      
  $ 45001 -  50000       82     $3,910,950      $289,605      7.40         272                      
  $ 50001 -  75000      340    $20,723,745    $2,011,068      9.70       1,056                      
  $ 75001 - 100000      130    $11,147,810    $1,438,704     12.91         386                      
  OVER $100,000          53     $7,458,449    $1,256,728     16.85         183                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,004     $70,766,607    $6,823,379      9.64        4,220                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       10.6             0.7           0.0                    2.6                     
  $  5001 -  10000     9.8             2.0           0.6                    5.1                     
  $ 10001 -  15000     8.8             3.1           1.4                    6.5                     
  $ 15001 -  20000     8.2             4.1           2.3                    6.4                     
  $ 20001 -  25000     7.6             4.8           3.4                    6.6                     
  $ 25001 -  30000     7.1             5.5           4.1                    6.7                     
  $ 30001 -  35000     6.0             5.6           4.2                    6.6                     
  $ 35001 -  40000     5.8             6.2           5.4                    6.5                     
  $ 40001 -  45000     5.8             7.0           5.4                    7.9                     
  $ 45001 -  50000     4.1             5.5           4.2                    6.4                     
  $ 50001 -  75000    17.0            29.3          29.5                   25.0                     
  $ 75001 - 100000     6.5            15.8          21.1                    9.1                     
  OVER $100,000        2.6            10.5          18.4                    4.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,215            $9                   0.52                     
  $  5001 -  10000                  $7,342          $198                   1.10                     
  $ 10001 -  15000                 $12,329          $538                   1.54                     
  $ 15001 -  20000                 $17,434          $969                   1.65                     
  $ 20001 -  25000                 $22,504        $1,521                   1.84                     
  $ 25001 -  30000                 $27,387        $1,971                   1.99                     
  $ 30001 -  35000                 $32,601        $2,347                   2.30                     
  $ 35001 -  40000                 $37,524        $3,173                   2.38                     
  $ 40001 -  45000                 $42,426        $3,157                   2.89                     
  $ 45001 -  50000                 $47,695        $3,532                   3.32                     
  $ 50001 -  75000                 $60,952        $5,915                   3.11                     
  $ 75001 - 100000                 $85,752       $11,067                   2.97                     
  OVER $100,000                   $140,725       $23,712                   3.45                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $35,313        $3,405                   2.11                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   RIVERTON UT                                                      
                        _________________________________________________                           
  UNDER $1               27      $-657,328           $31     -0.00          44                      
  $     1  -  5000    1,162     $2,884,486       $21,731      0.75         302                      
  $  5001 -  10000      771     $5,672,918      $203,231      3.58         546                      
  $ 10001 -  15000      616     $7,638,287      $372,840      4.88         834                      
  $ 15001 -  20000      589    $10,301,121      $599,695      5.82         959                      
  $ 20001 -  25000      429     $9,619,728      $594,653      6.18         880                      
  $ 25001 -  30000      425    $11,692,376      $721,877      6.17       1,039                      
  $ 30001 -  35000      401    $13,053,356      $750,015      5.75       1,098                      
  $ 35001 -  40000      408    $15,372,190      $822,147      5.35       1,322                      
  $ 40001 -  45000      472    $20,044,238    $1,162,344      5.80       1,640                      
  $ 45001 -  50000      479    $22,747,536    $1,335,680      5.87       1,811                      
  $ 50001 -  75000    2,259   $138,340,892   $10,013,453      7.24       8,758                      
  $ 75001 - 100000      937    $79,964,591    $8,378,417     10.48       3,622                      
  $100001 - 250000      475    $61,792,838   $10,110,409     16.36       1,865                      
  OVER $250,000          22     $9,869,782    $2,654,272     26.89          74                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              9,472    $408,337,011   $37,740,795      9.24       24,794                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.3            -0.2           0.0                    0.2                     
  $     1  -  5000    12.3             0.7           0.1                    1.2                     
  $  5001 -  10000     8.1             1.4           0.5                    2.2                     
  $ 10001 -  15000     6.5             1.9           1.0                    3.4                     
  $ 15001 -  20000     6.2             2.5           1.6                    3.9                     
  $ 20001 -  25000     4.5             2.4           1.6                    3.5                     
  $ 25001 -  30000     4.5             2.9           1.9                    4.2                     
  $ 30001 -  35000     4.2             3.2           2.0                    4.4                     
  $ 35001 -  40000     4.3             3.8           2.2                    5.3                     
  $ 40001 -  45000     5.0             4.9           3.1                    6.6                     
  $ 45001 -  50000     5.1             5.6           3.5                    7.3                     
  $ 50001 -  75000    23.8            33.9          26.5                   35.3                     
  $ 75001 - 100000     9.9            19.6          22.2                   14.6                     
  $100001 - 250000     5.0            15.1          26.8                    7.5                     
  OVER $250,000        0.2             2.4           7.0                    0.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-24,345            $1                   1.63                     
  $     1  -  5000                  $2,482           $19                   0.26                     
  $  5001 -  10000                  $7,358          $264                   0.71                     
  $ 10001 -  15000                 $12,400          $605                   1.35                     
  $ 15001 -  20000                 $17,489        $1,018                   1.63                     
  $ 20001 -  25000                 $22,424        $1,386                   2.05                     
  $ 25001 -  30000                 $27,511        $1,699                   2.44                     
  $ 30001 -  35000                 $32,552        $1,870                   2.74                     
  $ 35001 -  40000                 $37,677        $2,015                   3.24                     
  $ 40001 -  45000                 $42,467        $2,463                   3.47                     
  $ 45001 -  50000                 $47,490        $2,788                   3.78                     
  $ 50001 -  75000                 $61,240        $4,433                   3.88                     
  $ 75001 - 100000                 $85,341        $8,942                   3.87                     
  $100001 - 250000                $130,090       $21,285                   3.93                     
  OVER $250,000                   $448,626      $120,649                   3.36                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $43,110        $3,984                   2.62                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   ROOSEVELT UT                                                     
                        _________________________________________________                           
  UNDER $1               39      $-869,465            $0      0.00          87                      
  $     1  -  5000      442     $1,198,479        $4,884      0.41         399                      
  $  5001 -  10000      407     $2,981,494       $61,079      2.05         574                      
  $ 10001 -  15000      288     $3,570,589       $90,727      2.54         647                      
  $ 15001 -  20000      227     $3,981,454      $164,962      4.14         500                      
  $ 20001 -  25000      223     $5,005,209      $203,717      4.07         653                      
  $ 25001 -  30000      203     $5,609,283      $279,893      4.99         612                      
  $ 30001 -  35000      178     $5,758,495      $274,702      4.77         625                      
  $ 35001 -  40000      168     $6,304,725      $385,258      6.11         559                      
  $ 40001 -  45000      141     $5,957,385      $405,676      6.81         515                      
  $ 45001 -  50000      110     $5,231,501      $393,442      7.52         399                      
  $ 50001 -  75000      312    $18,908,330    $1,753,963      9.28       1,147                      
  $ 75001 - 100000       92     $7,831,731      $965,522     12.33         324                      
  OVER $100,000          62     $9,575,706    $1,854,248     19.36         239                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,892     $81,044,916    $6,838,073      8.44        7,280                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.3            -1.1           0.0                    1.2                     
  $     1  -  5000    15.3             1.5           0.1                    5.5                     
  $  5001 -  10000    14.1             3.7           0.9                    7.9                     
  $ 10001 -  15000    10.0             4.4           1.3                    8.9                     
  $ 15001 -  20000     7.8             4.9           2.4                    6.9                     
  $ 20001 -  25000     7.7             6.2           3.0                    9.0                     
  $ 25001 -  30000     7.0             6.9           4.1                    8.4                     
  $ 30001 -  35000     6.2             7.1           4.0                    8.6                     
  $ 35001 -  40000     5.8             7.8           5.6                    7.7                     
  $ 40001 -  45000     4.9             7.4           5.9                    7.1                     
  $ 45001 -  50000     3.8             6.5           5.8                    5.5                     
  $ 50001 -  75000    10.8            23.3          25.6                   15.8                     
  $ 75001 - 100000     3.2             9.7          14.1                    4.5                     
  OVER $100,000        2.1            11.8          27.1                    3.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-22,294            $0                   2.23                     
  $     1  -  5000                  $2,711           $11                   0.90                     
  $  5001 -  10000                  $7,326          $150                   1.41                     
  $ 10001 -  15000                 $12,398          $315                   2.25                     
  $ 15001 -  20000                 $17,539          $727                   2.20                     
  $ 20001 -  25000                 $22,445          $914                   2.93                     
  $ 25001 -  30000                 $27,632        $1,379                   3.01                     
  $ 30001 -  35000                 $32,351        $1,543                   3.51                     
  $ 35001 -  40000                 $37,528        $2,293                   3.33                     
  $ 40001 -  45000                 $42,251        $2,877                   3.65                     
  $ 45001 -  50000                 $47,559        $3,577                   3.63                     
  $ 50001 -  75000                 $60,604        $5,622                   3.68                     
  $ 75001 - 100000                 $85,128       $10,495                   3.52                     
  OVER $100,000                   $154,447       $29,907                   3.85                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $28,024        $2,364                   2.52                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                               
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   ROY UT                                                           
                        _________________________________________________                           
  UNDER $1               27      $-416,691        $2,891     -0.69          50                      
  $     1  -  5000    1,315     $3,494,405       $19,182      0.55         536                      
  $  5001 -  10000    1,227     $9,201,562      $270,843      2.94       1,091                      
  $ 10001 -  15000    1,131    $14,172,309      $606,673      4.28       1,585                      
  $ 15001 -  20000    1,160    $20,290,057    $1,108,054      5.46       1,918                      
  $ 20001 -  25000    1,074    $24,148,950    $1,481,363      6.13       2,096                      
  $ 25001 -  30000    1,022    $28,076,774    $1,905,226      6.79       2,169                      
  $ 30001 -  35000      901    $29,299,477    $1,963,273      6.70       2,291                      
  $ 35001 -  40000      988    $37,050,022    $2,723,037      7.35       2,644                      
  $ 40001 -  45000      884    $37,559,082    $2,916,522      7.77       2,511                      
  $ 45001 -  50000      782    $37,122,886    $2,969,503      8.00       2,399                      
  $ 50001 -  75000    2,779   $168,167,660   $15,189,239      9.03       9,171                      
  $ 75001 - 100000      852    $71,933,742    $8,935,858     12.42       2,793                      
  $100001 - 250000      298    $37,774,319    $6,367,784     16.86         946                      
  OVER $250,000          25    $25,013,255    $4,970,942     19.87          75                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             14,465    $542,887,809   $51,430,390      9.47       32,275                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.2            -0.1           0.0                    0.2                     
  $     1  -  5000     9.1             0.6           0.0                    1.7                     
  $  5001 -  10000     8.5             1.7           0.5                    3.4                     
  $ 10001 -  15000     7.8             2.6           1.2                    4.9                     
  $ 15001 -  20000     8.0             3.7           2.2                    5.9                     
  $ 20001 -  25000     7.4             4.4           2.9                    6.5                     
  $ 25001 -  30000     7.1             5.2           3.7                    6.7                     
  $ 30001 -  35000     6.2             5.4           3.8                    7.1                     
  $ 35001 -  40000     6.8             6.8           5.3                    8.2                     
  $ 40001 -  45000     6.1             6.9           5.7                    7.8                     
  $ 45001 -  50000     5.4             6.8           5.8                    7.4                     
  $ 50001 -  75000    19.2            31.0          29.5                   28.4                     
  $ 75001 - 100000     5.9            13.3          17.4                    8.7                     
  $100001 - 250000     2.1             7.0          12.4                    2.9                     
  OVER $250,000        0.2             4.6           9.7                    0.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-15,433          $107                   1.85                     
  $     1  -  5000                  $2,657           $15                   0.41                     
  $  5001 -  10000                  $7,499          $221                   0.89                     
  $ 10001 -  15000                 $12,531          $536                   1.40                     
  $ 15001 -  20000                 $17,491          $955                   1.65                     
  $ 20001 -  25000                 $22,485        $1,379                   1.95                     
  $ 25001 -  30000                 $27,472        $1,864                   2.12                     
  $ 30001 -  35000                 $32,519        $2,179                   2.54                     
  $ 35001 -  40000                 $37,500        $2,756                   2.68                     
  $ 40001 -  45000                 $42,488        $3,299                   2.84                     
  $ 45001 -  50000                 $47,472        $3,797                   3.07                     
  $ 50001 -  75000                 $60,514        $5,466                   3.30                     
  $ 75001 - 100000                 $84,429       $10,488                   3.28                     
  $100001 - 250000                $126,759       $21,368                   3.17                     
  OVER $250,000                   $1000530      $198,838                   3.00                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $37,531        $3,556                   2.23                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   SALEM UT                                                         
                        _________________________________________________                           
  UNDER $1               17      $-462,012        $2,961     -0.64          40                      
  $     1  -  5000      259       $689,892        $7,833      1.14          81                      
  $  5001 -  10000      190     $1,387,714       $50,628      3.65         152                      
  $ 10001 -  15000      148     $1,831,767       $85,854      4.69         228                      
  $ 15001 -  20000      131     $2,305,951      $111,356      4.83         240                      
  $ 20001 -  25000       91     $2,009,653      $115,029      5.72         188                      
  $ 25001 -  30000      107     $2,905,884      $175,694      6.05         268                      
  $ 30001 -  35000       70     $2,282,322      $134,984      5.91         198                      
  $ 35001 -  40000       76     $2,850,385      $163,941      5.75         253                      
  $ 40001 -  45000       78     $3,346,132      $150,514      4.50         316                      
  $ 45001 -  50000       84     $4,003,673      $258,243      6.45         321                      
  $ 50001 -  75000      304    $18,656,424    $1,341,995      7.19       1,252                      
  $ 75001 - 100000      109     $9,245,114      $938,798     10.15         436                      
  $100001 - 250000       76    $11,082,854    $1,732,916     15.64         350                      
  OVER $250,000          25    $12,379,323    $3,392,165     27.40         126                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,765     $74,515,076    $8,662,911     11.63        4,449                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.0            -0.6           0.0                    0.9                     
  $     1  -  5000    14.7             0.9           0.1                    1.8                     
  $  5001 -  10000    10.8             1.9           0.6                    3.4                     
  $ 10001 -  15000     8.4             2.5           1.0                    5.1                     
  $ 15001 -  20000     7.4             3.1           1.3                    5.4                     
  $ 20001 -  25000     5.2             2.7           1.3                    4.2                     
  $ 25001 -  30000     6.1             3.9           2.0                    6.0                     
  $ 30001 -  35000     4.0             3.1           1.6                    4.5                     
  $ 35001 -  40000     4.3             3.8           1.9                    5.7                     
  $ 40001 -  45000     4.4             4.5           1.7                    7.1                     
  $ 45001 -  50000     4.8             5.4           3.0                    7.2                     
  $ 50001 -  75000    17.2            25.0          15.5                   28.1                     
  $ 75001 - 100000     6.2            12.4          10.8                    9.8                     
  $100001 - 250000     4.3            14.9          20.0                    7.9                     
  OVER $250,000        1.4            16.6          39.2                    2.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-27,177          $174                   2.35                     
  $     1  -  5000                  $2,664           $30                   0.31                     
  $  5001 -  10000                  $7,304          $266                   0.80                     
  $ 10001 -  15000                 $12,377          $580                   1.54                     
  $ 15001 -  20000                 $17,603          $850                   1.83                     
  $ 20001 -  25000                 $22,084        $1,264                   2.07                     
  $ 25001 -  30000                 $27,158        $1,642                   2.50                     
  $ 30001 -  35000                 $32,605        $1,928                   2.83                     
  $ 35001 -  40000                 $37,505        $2,157                   3.33                     
  $ 40001 -  45000                 $42,899        $1,930                   4.05                     
  $ 45001 -  50000                 $47,663        $3,074                   3.82                     
  $ 50001 -  75000                 $61,370        $4,414                   4.12                     
  $ 75001 - 100000                 $84,818        $8,613                   4.00                     
  $100001 - 250000                $145,827       $22,802                   4.61                     
  OVER $250,000                   $495,173      $135,687                   5.04                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $42,218        $4,908                   2.52                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   SALINA UT                                                        
                        _________________________________________________                           
  UNDER $1               18    $-1,698,435            $0      0.00          42                      
  $     1  -  5000      143       $353,973          $837      0.24          80                      
  $  5001 -  10000      136     $1,001,063       $17,484      1.75         179                      
  $ 10001 -  15000       97     $1,226,618       $38,536      3.14         186                      
  $ 15001 -  20000       78     $1,361,555       $60,142      4.42         165                      
  $ 20001 -  25000       77     $1,718,610       $77,832      4.53         198                      
  $ 25001 -  30000       73     $2,030,326       $97,838      4.82         227                      
  $ 30001 -  35000       48     $1,546,388       $96,813      6.26         143                      
  $ 35001 -  40000       53     $1,971,767      $115,692      5.87         196                      
  $ 40001 -  45000       45     $1,909,267      $129,634      6.79         153                      
  $ 45001 -  50000       35     $1,666,497      $131,757      7.91         122                      
  $ 50001 -  75000      117     $6,900,349      $629,833      9.13         415                      
  $ 75001 - 100000       23     $1,900,554      $231,128     12.16          76                      
  OVER $100,000          20     $7,325,746    $2,250,324     30.72          61                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                963     $29,214,278    $3,877,850     13.27        2,243                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.9            -5.8           0.0                    1.9                     
  $     1  -  5000    14.8             1.2           0.0                    3.6                     
  $  5001 -  10000    14.1             3.4           0.5                    8.0                     
  $ 10001 -  15000    10.1             4.2           1.0                    8.3                     
  $ 15001 -  20000     8.1             4.7           1.6                    7.4                     
  $ 20001 -  25000     8.0             5.9           2.0                    8.8                     
  $ 25001 -  30000     7.6             6.9           2.5                   10.1                     
  $ 30001 -  35000     5.0             5.3           2.5                    6.4                     
  $ 35001 -  40000     5.5             6.7           3.0                    8.7                     
  $ 40001 -  45000     4.7             6.5           3.3                    6.8                     
  $ 45001 -  50000     3.6             5.7           3.4                    5.4                     
  $ 50001 -  75000    12.1            23.6          16.2                   18.5                     
  $ 75001 - 100000     2.4             6.5           6.0                    3.4                     
  OVER $100,000        2.1            25.1          58.0                    2.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-94,358            $0                   2.33                     
  $     1  -  5000                  $2,475            $6                   0.56                     
  $  5001 -  10000                  $7,361          $129                   1.32                     
  $ 10001 -  15000                 $12,646          $397                   1.92                     
  $ 15001 -  20000                 $17,456          $771                   2.12                     
  $ 20001 -  25000                 $22,320        $1,011                   2.57                     
  $ 25001 -  30000                 $27,813        $1,340                   3.11                     
  $ 30001 -  35000                 $32,216        $2,017                   2.98                     
  $ 35001 -  40000                 $37,203        $2,183                   3.70                     
  $ 40001 -  45000                 $42,428        $2,881                   3.40                     
  $ 45001 -  50000                 $47,614        $3,764                   3.49                     
  $ 50001 -  75000                 $58,977        $5,383                   3.55                     
  $ 75001 - 100000                 $82,633       $10,049                   3.30                     
  OVER $100,000                   $366,287      $112,516                   3.05                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,337        $4,027                   2.33                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                    
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   SALT LAKE CITY UT                                                
                        _________________________________________________                           
  UNDER $1              977   $-66,407,804      $250,559     -0.38       1,434                      
  $     1  -  5000   15,474    $41,446,138      $572,553      1.38       9,287                      
  $  5001 -  10000   16,367   $122,776,160    $3,206,132      2.61      17,809                      
  $ 10001 -  15000   15,936   $199,372,563    $8,469,359      4.25      22,975                      
  $ 15001 -  20000   16,282   $284,461,770   $16,062,536      5.65      26,692                      
  $ 20001 -  25000   13,776   $308,721,360   $20,929,470      6.78      24,456                      
  $ 25001 -  30000   11,266   $308,470,617   $23,525,432      7.63      20,978                      
  $ 30001 -  35000    9,368   $303,494,108   $25,024,543      8.25      18,316                      
  $ 35001 -  40000    8,070   $302,209,252   $26,464,893      8.76      17,365                      
  $ 40001 -  45000    7,046   $298,898,846   $27,874,421      9.33      16,099                      
  $ 45001 -  50000    5,937   $281,747,667   $27,387,990      9.72      14,039                      
  $ 50001 -  75000   18,888 $1,150,952,031  $121,369,851     10.55      50,036                      
  $ 75001 - 100000    8,735   $750,169,782   $97,584,632     13.01      25,233                      
  $100001 - 250000    9,245 $1,326,127,011  $233,189,721     17.58      27,738                      
  OVER $250,000       2,120 $1,336,227,801  $350,362,564     26.22       6,429                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL            159,487  $6,948,667,302  $982,274,656     14.14      298,886                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.6            -1.0           0.0                    0.5                     
  $     1  -  5000     9.7             0.6           0.1                    3.1                     
  $  5001 -  10000    10.3             1.8           0.3                    6.0                     
  $ 10001 -  15000    10.0             2.9           0.9                    7.7                     
  $ 15001 -  20000    10.2             4.1           1.6                    8.9                     
  $ 20001 -  25000     8.6             4.4           2.1                    8.2                     
  $ 25001 -  30000     7.1             4.4           2.4                    7.0                     
  $ 30001 -  35000     5.9             4.4           2.5                    6.1                     
  $ 35001 -  40000     5.1             4.3           2.7                    5.8                     
  $ 40001 -  45000     4.4             4.3           2.8                    5.4                     
  $ 45001 -  50000     3.7             4.1           2.8                    4.7                     
  $ 50001 -  75000    11.8            16.6          12.4                   16.7                     
  $ 75001 - 100000     5.5            10.8           9.9                    8.4                     
  $100001 - 250000     5.8            19.1          23.7                    9.3                     
  OVER $250,000        1.3            19.2          35.7                    2.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-67,971          $256                   1.47                     
  $     1  -  5000                  $2,678           $37                   0.60                     
  $  5001 -  10000                  $7,501          $196                   1.09                     
  $ 10001 -  15000                 $12,511          $531                   1.44                     
  $ 15001 -  20000                 $17,471          $987                   1.64                     
  $ 20001 -  25000                 $22,410        $1,519                   1.78                     
  $ 25001 -  30000                 $27,381        $2,088                   1.86                     
  $ 30001 -  35000                 $32,397        $2,671                   1.96                     
  $ 35001 -  40000                 $37,448        $3,279                   2.15                     
  $ 40001 -  45000                 $42,421        $3,956                   2.28                     
  $ 45001 -  50000                 $47,456        $4,613                   2.36                     
  $ 50001 -  75000                 $60,936        $6,426                   2.65                     
  $ 75001 - 100000                 $85,881       $11,172                   2.89                     
  $100001 - 250000                $143,443       $25,223                   3.00                     
  OVER $250,000                   $630,296      $165,265                   3.03                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $43,569        $6,159                   1.87                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   SANDY UT                                                         
                        _________________________________________________                           
  UNDER $1              212   $-20,509,468       $14,932     -0.07         375                      
  $     1  -  5000    6,050    $15,667,659      $185,714      1.19       1,504                      
  $  5001 -  10000    4,415    $32,557,732    $1,181,540      3.63       3,142                      
  $ 10001 -  15000    3,340    $41,510,890    $2,101,440      5.06       3,823                      
  $ 15001 -  20000    3,173    $55,431,210    $3,329,281      6.01       4,748                      
  $ 20001 -  25000    2,590    $58,055,611    $3,924,360      6.76       4,510                      
  $ 25001 -  30000    2,100    $57,616,773    $3,996,178      6.94       4,268                      
  $ 30001 -  35000    1,873    $60,751,121    $4,321,325      7.11       4,286                      
  $ 35001 -  40000    1,760    $66,059,637    $4,877,810      7.38       4,458                      
  $ 40001 -  45000    1,688    $71,770,274    $5,554,676      7.74       4,727                      
  $ 45001 -  50000    1,543    $73,287,785    $5,670,040      7.74       4,675                      
  $ 50001 -  75000    6,657   $411,055,549   $36,600,632      8.90      21,869                      
  $ 75001 - 100000    4,058   $349,742,061   $40,001,868     11.44      14,354                      
  $100001 - 250000    4,065   $567,093,060   $92,833,623     16.37      14,884                      
  OVER $250,000         675   $388,325,750  $106,793,543     27.50       2,476                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             44,199  $2,228,415,644  $311,386,962     13.97       94,099                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.5            -0.9           0.0                    0.4                     
  $     1  -  5000    13.7             0.7           0.1                    1.6                     
  $  5001 -  10000    10.0             1.5           0.4                    3.3                     
  $ 10001 -  15000     7.6             1.9           0.7                    4.1                     
  $ 15001 -  20000     7.2             2.5           1.1                    5.0                     
  $ 20001 -  25000     5.9             2.6           1.3                    4.8                     
  $ 25001 -  30000     4.8             2.6           1.3                    4.5                     
  $ 30001 -  35000     4.2             2.7           1.4                    4.6                     
  $ 35001 -  40000     4.0             3.0           1.6                    4.7                     
  $ 40001 -  45000     3.8             3.2           1.8                    5.0                     
  $ 45001 -  50000     3.5             3.3           1.8                    5.0                     
  $ 50001 -  75000    15.1            18.4          11.8                   23.2                     
  $ 75001 - 100000     9.2            15.7          12.8                   15.3                     
  $100001 - 250000     9.2            25.4          29.8                   15.8                     
  OVER $250,000        1.5            17.4          34.3                    2.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-96,743           $70                   1.77                     
  $     1  -  5000                  $2,590           $31                   0.25                     
  $  5001 -  10000                  $7,374          $268                   0.71                     
  $ 10001 -  15000                 $12,428          $629                   1.14                     
  $ 15001 -  20000                 $17,470        $1,049                   1.50                     
  $ 20001 -  25000                 $22,415        $1,515                   1.74                     
  $ 25001 -  30000                 $27,437        $1,903                   2.03                     
  $ 30001 -  35000                 $32,435        $2,307                   2.29                     
  $ 35001 -  40000                 $37,534        $2,771                   2.53                     
  $ 40001 -  45000                 $42,518        $3,291                   2.80                     
  $ 45001 -  50000                 $47,497        $3,675                   3.03                     
  $ 50001 -  75000                 $61,748        $5,498                   3.29                     
  $ 75001 - 100000                 $86,186        $9,858                   3.54                     
  $100001 - 250000                $139,506       $22,837                   3.66                     
  OVER $250,000                   $575,297      $158,213                   3.67                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $50,418        $7,045                   2.13                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   SANTA CLARA UT                                                   
                        _________________________________________________                           
  UNDER $ 5,000         284       $631,651       $24,121      3.82          94                      
  $  5001 -  10000      188     $1,347,384       $42,533      3.16         138                      
  $ 10001 -  15000      136     $1,693,461       $77,350      4.57         214                      
  $ 15001 -  20000       96     $1,687,185       $79,667      4.72         192                      
  $ 20001 -  25000      101     $2,260,908      $109,876      4.86         246                      
  $ 25001 -  30000       75     $2,057,145       $98,594      4.79         205                      
  $ 30001 -  35000       62     $2,008,067      $102,397      5.10         196                      
  $ 35001 -  40000       80     $2,979,195      $170,554      5.72         264                      
  $ 40001 -  45000       63     $2,681,499      $178,664      6.66         207                      
  $ 45001 -  50000       67     $3,187,216      $170,398      5.35         259                      
  $ 50001 -  75000      283    $17,259,129    $1,223,575      7.09       1,148                      
  $ 75001 - 100000      121    $10,360,107      $973,562      9.40         527                      
  $100001 - 250000       69     $9,016,884    $1,333,391     14.79         265                      
  OVER $250,000          17     $6,881,372    $1,717,093     24.95          74                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,642     $64,051,203    $6,301,775      9.84        4,029                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       17.3             1.0           0.4                    2.3                     
  $  5001 -  10000    11.4             2.1           0.7                    3.4                     
  $ 10001 -  15000     8.3             2.6           1.2                    5.3                     
  $ 15001 -  20000     5.8             2.6           1.3                    4.8                     
  $ 20001 -  25000     6.2             3.5           1.7                    6.1                     
  $ 25001 -  30000     4.6             3.2           1.6                    5.1                     
  $ 30001 -  35000     3.8             3.1           1.6                    4.9                     
  $ 35001 -  40000     4.9             4.7           2.7                    6.6                     
  $ 40001 -  45000     3.8             4.2           2.8                    5.1                     
  $ 45001 -  50000     4.1             5.0           2.7                    6.4                     
  $ 50001 -  75000    17.2            26.9          19.4                   28.5                     
  $ 75001 - 100000     7.4            16.2          15.4                   13.1                     
  $100001 - 250000     4.2            14.1          21.2                    6.6                     
  OVER $250,000        1.0            10.7          27.2                    1.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,224           $85                   0.33                     
  $  5001 -  10000                  $7,167          $226                   0.73                     
  $ 10001 -  15000                 $12,452          $569                   1.57                     
  $ 15001 -  20000                 $17,575          $830                   2.00                     
  $ 20001 -  25000                 $22,385        $1,088                   2.44                     
  $ 25001 -  30000                 $27,429        $1,315                   2.73                     
  $ 30001 -  35000                 $32,388        $1,652                   3.16                     
  $ 35001 -  40000                 $37,240        $2,132                   3.30                     
  $ 40001 -  45000                 $42,563        $2,836                   3.29                     
  $ 45001 -  50000                 $47,570        $2,543                   3.87                     
  $ 50001 -  75000                 $60,986        $4,324                   4.06                     
  $ 75001 - 100000                 $85,621        $8,046                   4.36                     
  $100001 - 250000                $130,679       $19,325                   3.84                     
  OVER $250,000                   $404,787      $101,005                   4.35                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,008        $3,838                   2.45                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   SANTAQUIN UT                                                     
                        _________________________________________________                           
  UNDER $1               18      $-936,186          $147     -0.02          52                      
  $     1  -  5000      175       $485,852        $1,220      0.25          89                      
  $  5001 -  10000      159     $1,184,968       $30,183      2.55         180                      
  $ 10001 -  15000      133     $1,664,389       $58,435      3.51         271                      
  $ 15001 -  20000      147     $2,514,427       $97,696      3.89         326                      
  $ 20001 -  25000      113     $2,527,535      $118,683      4.70         287                      
  $ 25001 -  30000      124     $3,434,769      $178,384      5.19         365                      
  $ 30001 -  35000      123     $4,026,099      $196,341      4.88         412                      
  $ 35001 -  40000      145     $5,443,142      $286,912      5.27         518                      
  $ 40001 -  45000      127     $5,407,587      $324,783      6.01         469                      
  $ 45001 -  50000       98     $4,665,167      $303,675      6.51         366                      
  $ 50001 -  75000      283    $16,890,344    $1,299,744      7.70       1,118                      
  $ 75001 - 100000       53     $4,365,236      $457,767     10.49         225                      
  OVER $100,000          21     $3,872,255      $704,379     18.19          72                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,719     $55,545,584    $4,058,349      7.31        4,750                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.0            -1.7           0.0                    1.1                     
  $     1  -  5000    10.2             0.9           0.0                    1.9                     
  $  5001 -  10000     9.2             2.1           0.7                    3.8                     
  $ 10001 -  15000     7.7             3.0           1.4                    5.7                     
  $ 15001 -  20000     8.6             4.5           2.4                    6.9                     
  $ 20001 -  25000     6.6             4.6           2.9                    6.0                     
  $ 25001 -  30000     7.2             6.2           4.4                    7.7                     
  $ 30001 -  35000     7.2             7.2           4.8                    8.7                     
  $ 35001 -  40000     8.4             9.8           7.1                   10.9                     
  $ 40001 -  45000     7.4             9.7           8.0                    9.9                     
  $ 45001 -  50000     5.7             8.4           7.5                    7.7                     
  $ 50001 -  75000    16.5            30.4          32.0                   23.5                     
  $ 75001 - 100000     3.1             7.9          11.3                    4.7                     
  OVER $100,000        1.2             7.0          17.4                    1.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-52,010            $8                   2.89                     
  $     1  -  5000                  $2,776            $7                   0.51                     
  $  5001 -  10000                  $7,453          $190                   1.13                     
  $ 10001 -  15000                 $12,514          $439                   2.04                     
  $ 15001 -  20000                 $17,105          $665                   2.22                     
  $ 20001 -  25000                 $22,368        $1,050                   2.54                     
  $ 25001 -  30000                 $27,700        $1,439                   2.94                     
  $ 30001 -  35000                 $32,733        $1,596                   3.35                     
  $ 35001 -  40000                 $37,539        $1,979                   3.57                     
  $ 40001 -  45000                 $42,579        $2,557                   3.69                     
  $ 45001 -  50000                 $47,604        $3,099                   3.73                     
  $ 50001 -  75000                 $59,683        $4,593                   3.95                     
  $ 75001 - 100000                 $82,363        $8,637                   4.25                     
  OVER $100,000                   $184,393       $33,542                   3.43                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $32,313        $2,361                   2.76                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   SMITHFIELD UT                                                    
                        _________________________________________________                           
  UNDER $1               14       $-99,201            $0      0.00          29                      
  $     1  -  5000      360       $933,868        $5,317      0.57         119                      
  $  5001 -  10000      293     $2,175,127       $80,652      3.71         208                      
  $ 10001 -  15000      229     $2,838,663      $124,127      4.37         325                      
  $ 15001 -  20000      214     $3,739,545      $182,190      4.87         393                      
  $ 20001 -  25000      188     $4,231,073      $213,327      5.04         440                      
  $ 25001 -  30000      199     $5,481,345      $301,743      5.50         538                      
  $ 30001 -  35000      160     $5,233,208      $315,895      6.04         474                      
  $ 35001 -  40000      185     $6,931,698      $403,887      5.83         633                      
  $ 40001 -  45000      154     $6,537,723      $363,007      5.55         590                      
  $ 45001 -  50000      157     $7,438,273      $475,824      6.40         620                      
  $ 50001 -  75000      495    $29,863,725    $2,406,488      8.06       1,852                      
  $ 75001 - 100000      146    $12,368,878    $1,334,489     10.79         600                      
  $100001 - 250000       91    $11,917,859    $1,826,902     15.33         348                      
  OVER $250,000          13     $6,028,051    $1,406,885     23.34          54                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,898    $105,619,835    $9,440,733      8.94        7,223                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.5            -0.1           0.0                    0.4                     
  $     1  -  5000    12.4             0.9           0.1                    1.6                     
  $  5001 -  10000    10.1             2.1           0.9                    2.9                     
  $ 10001 -  15000     7.9             2.7           1.3                    4.5                     
  $ 15001 -  20000     7.4             3.5           1.9                    5.4                     
  $ 20001 -  25000     6.5             4.0           2.3                    6.1                     
  $ 25001 -  30000     6.9             5.2           3.2                    7.4                     
  $ 30001 -  35000     5.5             5.0           3.3                    6.6                     
  $ 35001 -  40000     6.4             6.6           4.3                    8.8                     
  $ 40001 -  45000     5.3             6.2           3.8                    8.2                     
  $ 45001 -  50000     5.4             7.0           5.0                    8.6                     
  $ 50001 -  75000    17.1            28.3          25.5                   25.6                     
  $ 75001 - 100000     5.0            11.7          14.1                    8.3                     
  $100001 - 250000     3.1            11.3          19.4                    4.8                     
  OVER $250,000        0.4             5.7          14.9                    0.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                         $-7,086            $0                   2.07                     
  $     1  -  5000                  $2,594           $15                   0.33                     
  $  5001 -  10000                  $7,424          $275                   0.71                     
  $ 10001 -  15000                 $12,396          $542                   1.42                     
  $ 15001 -  20000                 $17,475          $851                   1.84                     
  $ 20001 -  25000                 $22,506        $1,135                   2.34                     
  $ 25001 -  30000                 $27,544        $1,516                   2.70                     
  $ 30001 -  35000                 $32,708        $1,974                   2.96                     
  $ 35001 -  40000                 $37,469        $2,183                   3.42                     
  $ 40001 -  45000                 $42,453        $2,357                   3.83                     
  $ 45001 -  50000                 $47,378        $3,031                   3.95                     
  $ 50001 -  75000                 $60,331        $4,862                   3.74                     
  $ 75001 - 100000                 $84,718        $9,140                   4.11                     
  $100001 - 250000                $130,965       $20,076                   3.82                     
  OVER $250,000                   $463,696      $108,222                   4.15                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $36,446        $3,258                   2.49                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                      
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   SOUTH JORDAN UT                                                  
                        _________________________________________________                           
  UNDER $1               50    $-2,802,454        $2,549     -0.09         122                      
  $     1  -  5000    1,774     $4,588,062       $43,595      0.95         315                      
  $  5001 -  10000    1,150     $8,419,550      $351,981      4.18         587                      
  $ 10001 -  15000      795     $9,831,504      $541,356      5.51         835                      
  $ 15001 -  20000      699    $12,142,951      $796,117      6.56         952                      
  $ 20001 -  25000      547    $12,250,251      $819,229      6.69         956                      
  $ 25001 -  30000      419    $11,503,661      $821,639      7.14         819                      
  $ 30001 -  35000      338    $10,998,360      $755,390      6.87         787                      
  $ 35001 -  40000      357    $13,434,228      $852,562      6.35       1,011                      
  $ 40001 -  45000      358    $15,174,016      $949,458      6.26       1,171                      
  $ 45001 -  50000      342    $16,189,506      $976,488      6.03       1,244                      
  $ 50001 -  75000    2,005   $125,339,216    $9,426,741      7.52       7,629                      
  $ 75001 - 100000    1,427   $122,976,903   $12,304,889     10.01       5,879                      
  $100001 - 250000    1,046   $140,153,767   $21,598,813     15.41       4,270                      
  OVER $250,000         103    $58,761,191   $15,885,513     27.03         391                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             11,410    $558,960,712   $66,126,320     11.83       26,968                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.5           0.0                    0.5                     
  $     1  -  5000    15.5             0.8           0.1                    1.2                     
  $  5001 -  10000    10.1             1.5           0.5                    2.2                     
  $ 10001 -  15000     7.0             1.8           0.8                    3.1                     
  $ 15001 -  20000     6.1             2.2           1.2                    3.5                     
  $ 20001 -  25000     4.8             2.2           1.2                    3.5                     
  $ 25001 -  30000     3.7             2.1           1.2                    3.0                     
  $ 30001 -  35000     3.0             2.0           1.1                    2.9                     
  $ 35001 -  40000     3.1             2.4           1.3                    3.7                     
  $ 40001 -  45000     3.1             2.7           1.4                    4.3                     
  $ 45001 -  50000     3.0             2.9           1.5                    4.6                     
  $ 50001 -  75000    17.6            22.4          14.3                   28.3                     
  $ 75001 - 100000    12.5            22.0          18.6                   21.8                     
  $100001 - 250000     9.2            25.1          32.7                   15.8                     
  OVER $250,000        0.9            10.5          24.0                    1.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-56,049           $51                   2.44                     
  $     1  -  5000                  $2,586           $25                   0.18                     
  $  5001 -  10000                  $7,321          $306                   0.51                     
  $ 10001 -  15000                 $12,367          $681                   1.05                     
  $ 15001 -  20000                 $17,372        $1,139                   1.36                     
  $ 20001 -  25000                 $22,395        $1,498                   1.75                     
  $ 25001 -  30000                 $27,455        $1,961                   1.95                     
  $ 30001 -  35000                 $32,540        $2,235                   2.33                     
  $ 35001 -  40000                 $37,631        $2,388                   2.83                     
  $ 40001 -  45000                 $42,386        $2,652                   3.27                     
  $ 45001 -  50000                 $47,338        $2,855                   3.64                     
  $ 50001 -  75000                 $62,513        $4,702                   3.80                     
  $ 75001 - 100000                 $86,179        $8,623                   4.12                     
  $100001 - 250000                $133,990       $20,649                   4.08                     
  OVER $250,000                   $570,497      $154,228                   3.80                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $48,989        $5,795                   2.36                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                   
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   SOUTH SALT LAKE U                                                
                        _________________________________________________                           
  UNDER $ 5,000         132       $388,360        $2,410      0.62         175                      
  $  5001 -  10000      212     $1,588,516       $19,149      1.21         349                      
  $ 10001 -  15000      271     $3,418,725      $103,338      3.02         532                      
  $ 15001 -  20000      276     $4,811,997      $234,740      4.88         534                      
  $ 20001 -  25000      224     $4,993,129      $286,262      5.73         496                      
  $ 25001 -  30000      156     $4,257,916      $306,355      7.19         321                      
  $ 30001 -  35000      146     $4,743,283      $384,607      8.11         310                      
  $ 35001 -  40000       86     $3,233,692      $256,634      7.94         209                      
  $ 40001 -  45000       64     $2,719,871      $248,663      9.14         151                      
  $ 45001 -  50000       57     $2,696,666      $259,006      9.60         154                      
  $ 50001 -  75000       80     $4,712,660      $544,496     11.55         196                      
  $ 75001 - 250000       17     $1,705,913      $250,524     14.69          45                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,721     $39,270,728    $2,896,184      7.37        3,472                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000        7.7             1.0           0.1                    5.0                     
  $  5001 -  10000    12.3             4.0           0.7                   10.1                     
  $ 10001 -  15000    15.7             8.7           3.6                   15.3                     
  $ 15001 -  20000    16.0            12.3           8.1                   15.4                     
  $ 20001 -  25000    13.0            12.7           9.9                   14.3                     
  $ 25001 -  30000     9.1            10.8          10.6                    9.2                     
  $ 30001 -  35000     8.5            12.1          13.3                    8.9                     
  $ 35001 -  40000     5.0             8.2           8.9                    6.0                     
  $ 40001 -  45000     3.7             6.9           8.6                    4.3                     
  $ 45001 -  50000     3.3             6.9           8.9                    4.4                     
  $ 50001 -  75000     4.6            12.0          18.8                    5.6                     
  $ 75001 - 250000     1.0             4.3           8.7                    1.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,942           $18                   1.33                     
  $  5001 -  10000                  $7,493           $90                   1.65                     
  $ 10001 -  15000                 $12,615          $381                   1.96                     
  $ 15001 -  20000                 $17,435          $851                   1.93                     
  $ 20001 -  25000                 $22,291        $1,278                   2.21                     
  $ 25001 -  30000                 $27,294        $1,964                   2.06                     
  $ 30001 -  35000                 $32,488        $2,634                   2.12                     
  $ 35001 -  40000                 $37,601        $2,984                   2.43                     
  $ 40001 -  45000                 $42,498        $3,885                   2.36                     
  $ 45001 -  50000                 $47,310        $4,544                   2.70                     
  $ 50001 -  75000                 $58,908        $6,806                   2.45                     
  $ 75001 - 250000                $100,348       $14,737                   2.65                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $22,819        $1,683                   2.02                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   SOUTH WEBER UT                                                   
                        _________________________________________________                           
  UNDER $ 5,000         197       $425,836        $4,653      1.09          43                      
  $  5001 -  10000      122       $907,774       $40,178      4.43          53                      
  $ 10001 -  15000       70       $853,481       $35,945      4.21          89                      
  $ 15001 -  20000       70     $1,200,366       $72,299      6.02         115                      
  $ 20001 -  25000       53     $1,181,275       $82,395      6.98          86                      
  $ 25001 -  30000       53     $1,454,490       $92,433      6.36         120                      
  $ 30001 -  35000       45     $1,459,266       $86,566      5.93         117                      
  $ 35001 -  40000       50     $1,854,510      $122,335      6.60         140                      
  $ 40001 -  45000       54     $2,297,029      $147,495      6.42         165                      
  $ 45001 -  50000       59     $2,806,310      $191,658      6.83         200                      
  $ 50001 -  75000      271    $16,963,427    $1,295,016      7.63       1,036                      
  $ 75001 - 100000      165    $14,060,444    $1,453,631     10.34         688                      
  OVER $100,000          86    $13,017,334    $2,240,278     17.21         331                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,295     $58,481,542    $5,864,882     10.03        3,183                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       15.2             0.7           0.1                    1.4                     
  $  5001 -  10000     9.4             1.6           0.7                    1.7                     
  $ 10001 -  15000     5.4             1.5           0.6                    2.8                     
  $ 15001 -  20000     5.4             2.1           1.2                    3.6                     
  $ 20001 -  25000     4.1             2.0           1.4                    2.7                     
  $ 25001 -  30000     4.1             2.5           1.6                    3.8                     
  $ 30001 -  35000     3.5             2.5           1.5                    3.7                     
  $ 35001 -  40000     3.9             3.2           2.1                    4.4                     
  $ 40001 -  45000     4.2             3.9           2.5                    5.2                     
  $ 45001 -  50000     4.6             4.8           3.3                    6.3                     
  $ 50001 -  75000    20.9            29.0          22.1                   32.5                     
  $ 75001 - 100000    12.7            24.0          24.8                   21.6                     
  OVER $100,000        6.6            22.3          38.2                   10.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,162           $24                   0.22                     
  $  5001 -  10000                  $7,441          $329                   0.43                     
  $ 10001 -  15000                 $12,193          $514                   1.27                     
  $ 15001 -  20000                 $17,148        $1,033                   1.64                     
  $ 20001 -  25000                 $22,288        $1,555                   1.62                     
  $ 25001 -  30000                 $27,443        $1,744                   2.26                     
  $ 30001 -  35000                 $32,428        $1,924                   2.60                     
  $ 35001 -  40000                 $37,090        $2,447                   2.80                     
  $ 40001 -  45000                 $42,538        $2,731                   3.06                     
  $ 45001 -  50000                 $47,565        $3,248                   3.39                     
  $ 50001 -  75000                 $62,596        $4,779                   3.82                     
  $ 75001 - 100000                 $85,215        $8,810                   4.17                     
  OVER $100,000                   $151,364       $26,050                   3.85                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $45,159        $4,529                   2.46                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                      
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   SPANISH FORK UT                                                  
                        _________________________________________________                           
  UNDER $1               57    $-3,086,423        $3,043     -0.10         153                      
  $     1  -  5000      922     $2,444,028       $15,123      0.62         314                      
  $  5001 -  10000      784     $5,839,469      $180,884      3.10         733                      
  $ 10001 -  15000      668     $8,329,733      $343,409      4.12       1,048                      
  $ 15001 -  20000      571     $9,960,557      $482,478      4.84       1,137                      
  $ 20001 -  25000      536    $12,062,604      $696,395      5.77       1,161                      
  $ 25001 -  30000      511    $14,012,847      $822,316      5.87       1,296                      
  $ 30001 -  35000      521    $16,975,333      $948,823      5.59       1,625                      
  $ 35001 -  40000      503    $18,819,347    $1,078,519      5.73       1,659                      
  $ 40001 -  45000      485    $20,605,026    $1,350,804      6.56       1,604                      
  $ 45001 -  50000      440    $20,862,478    $1,354,511      6.49       1,643                      
  $ 50001 -  75000    1,451    $87,877,110    $6,760,731      7.69       5,687                      
  $ 75001 - 100000      433    $36,939,781    $3,936,496     10.66       1,715                      
  $100001 - 250000      260    $35,342,838    $5,529,191     15.64       1,061                      
  OVER $250,000          38    $28,536,232    $6,565,410     23.01         138                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,180    $315,520,960   $30,068,133      9.53       20,974                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.7            -1.0           0.0                    0.7                     
  $     1  -  5000    11.3             0.8           0.1                    1.5                     
  $  5001 -  10000     9.6             1.9           0.6                    3.5                     
  $ 10001 -  15000     8.2             2.6           1.1                    5.0                     
  $ 15001 -  20000     7.0             3.2           1.6                    5.4                     
  $ 20001 -  25000     6.6             3.8           2.3                    5.5                     
  $ 25001 -  30000     6.2             4.4           2.7                    6.2                     
  $ 30001 -  35000     6.4             5.4           3.2                    7.7                     
  $ 35001 -  40000     6.1             6.0           3.6                    7.9                     
  $ 40001 -  45000     5.9             6.5           4.5                    7.6                     
  $ 45001 -  50000     5.4             6.6           4.5                    7.8                     
  $ 50001 -  75000    17.7            27.9          22.5                   27.1                     
  $ 75001 - 100000     5.3            11.7          13.1                    8.2                     
  $100001 - 250000     3.2            11.2          18.4                    5.1                     
  OVER $250,000        0.5             9.0          21.8                    0.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-54,148           $53                   2.68                     
  $     1  -  5000                  $2,651           $16                   0.34                     
  $  5001 -  10000                  $7,448          $231                   0.93                     
  $ 10001 -  15000                 $12,470          $514                   1.57                     
  $ 15001 -  20000                 $17,444          $845                   1.99                     
  $ 20001 -  25000                 $22,505        $1,299                   2.17                     
  $ 25001 -  30000                 $27,422        $1,609                   2.54                     
  $ 30001 -  35000                 $32,582        $1,821                   3.12                     
  $ 35001 -  40000                 $37,414        $2,144                   3.30                     
  $ 40001 -  45000                 $42,485        $2,785                   3.31                     
  $ 45001 -  50000                 $47,415        $3,078                   3.73                     
  $ 50001 -  75000                 $60,563        $4,659                   3.92                     
  $ 75001 - 100000                 $85,311        $9,091                   3.96                     
  $100001 - 250000                $135,934       $21,266                   4.08                     
  OVER $250,000                   $750,953      $172,774                   3.63                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $38,572        $3,676                   2.56                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   SPRINGVILLE UT                                                   
                        _________________________________________________                           
  UNDER $1               30      $-470,485          $825     -0.18          71                      
  $     1  -  5000      855     $2,284,558       $16,299      0.71         367                      
  $  5001 -  10000      772     $5,672,760      $165,341      2.91         833                      
  $ 10001 -  15000      686     $8,597,206      $322,264      3.75       1,110                      
  $ 15001 -  20000      591    $10,321,523      $491,138      4.76       1,181                      
  $ 20001 -  25000      541    $12,163,388      $665,410      5.47       1,193                      
  $ 25001 -  30000      523    $14,415,783      $784,736      5.44       1,406                      
  $ 30001 -  35000      454    $14,717,362      $851,503      5.79       1,312                      
  $ 35001 -  40000      431    $16,172,036      $959,123      5.93       1,398                      
  $ 40001 -  45000      383    $16,296,737    $1,088,157      6.68       1,275                      
  $ 45001 -  50000      356    $16,845,241    $1,135,994      6.74       1,285                      
  $ 50001 -  75000    1,063    $64,570,129    $5,208,359      8.07       3,864                      
  $ 75001 - 100000      423    $35,963,490    $3,628,318     10.09       1,700                      
  $100001 - 250000      312    $42,122,332    $6,451,628     15.32       1,262                      
  OVER $250,000          47    $89,851,337   $19,064,146     21.22         176                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              7,467    $349,523,397   $40,833,241     11.68       18,433                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.1           0.0                    0.4                     
  $     1  -  5000    11.5             0.7           0.0                    2.0                     
  $  5001 -  10000    10.3             1.6           0.4                    4.5                     
  $ 10001 -  15000     9.2             2.5           0.8                    6.0                     
  $ 15001 -  20000     7.9             3.0           1.2                    6.4                     
  $ 20001 -  25000     7.2             3.5           1.6                    6.5                     
  $ 25001 -  30000     7.0             4.1           1.9                    7.6                     
  $ 30001 -  35000     6.1             4.2           2.1                    7.1                     
  $ 35001 -  40000     5.8             4.6           2.3                    7.6                     
  $ 40001 -  45000     5.1             4.7           2.7                    6.9                     
  $ 45001 -  50000     4.8             4.8           2.8                    7.0                     
  $ 50001 -  75000    14.2            18.5          12.8                   21.0                     
  $ 75001 - 100000     5.7            10.3           8.9                    9.2                     
  $100001 - 250000     4.2            12.1          15.8                    6.8                     
  OVER $250,000        0.6            25.7          46.7                    1.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-15,683           $28                   2.37                     
  $     1  -  5000                  $2,672           $19                   0.43                     
  $  5001 -  10000                  $7,348          $214                   1.08                     
  $ 10001 -  15000                 $12,532          $470                   1.62                     
  $ 15001 -  20000                 $17,465          $831                   2.00                     
  $ 20001 -  25000                 $22,483        $1,230                   2.21                     
  $ 25001 -  30000                 $27,564        $1,500                   2.69                     
  $ 30001 -  35000                 $32,417        $1,876                   2.89                     
  $ 35001 -  40000                 $37,522        $2,225                   3.24                     
  $ 40001 -  45000                 $42,550        $2,841                   3.33                     
  $ 45001 -  50000                 $47,318        $3,191                   3.61                     
  $ 50001 -  75000                 $60,743        $4,900                   3.63                     
  $ 75001 - 100000                 $85,020        $8,578                   4.02                     
  $100001 - 250000                $135,007       $20,678                   4.04                     
  OVER $250,000                   $1911731      $405,620                   3.74                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $46,809        $5,468                   2.47                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   ST GEORGE UT                                                     
                        _________________________________________________                           
  UNDER $1              148    $-4,744,011        $6,025     -0.13         313                      
  $     1  -  5000    2,094     $5,673,424       $51,586      0.91       1,247                      
  $  5001 -  10000    2,121    $15,778,605      $367,106      2.33       2,531                      
  $ 10001 -  15000    1,922    $23,962,373      $814,781      3.40       3,281                      
  $ 15001 -  20000    1,704    $29,704,841    $1,294,694      4.36       3,348                      
  $ 20001 -  25000    1,478    $33,119,918    $1,694,976      5.12       3,273                      
  $ 25001 -  30000    1,251    $34,342,926    $1,984,587      5.78       3,013                      
  $ 30001 -  35000    1,015    $32,924,015    $2,075,439      6.30       2,689                      
  $ 35001 -  40000      897    $33,580,317    $2,249,934      6.70       2,549                      
  $ 40001 -  45000      767    $32,540,103    $2,333,893      7.17       2,239                      
  $ 45001 -  50000      656    $31,146,951    $2,300,583      7.39       2,113                      
  $ 50001 -  75000    2,224   $135,232,513   $12,204,838      9.03       6,958                      
  $ 75001 - 100000      838    $71,766,351    $8,110,519     11.30       2,789                      
  $100001 - 250000      726   $101,592,423   $16,726,545     16.46       2,254                      
  OVER $250,000         154    $91,159,553   $21,976,901     24.11         541                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             17,995    $667,780,302   $74,192,407     11.11       39,138                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -0.7           0.0                    0.8                     
  $     1  -  5000    11.6             0.8           0.1                    3.2                     
  $  5001 -  10000    11.8             2.4           0.5                    6.5                     
  $ 10001 -  15000    10.7             3.6           1.1                    8.4                     
  $ 15001 -  20000     9.5             4.4           1.7                    8.6                     
  $ 20001 -  25000     8.2             5.0           2.3                    8.4                     
  $ 25001 -  30000     7.0             5.1           2.7                    7.7                     
  $ 30001 -  35000     5.6             4.9           2.8                    6.9                     
  $ 35001 -  40000     5.0             5.0           3.0                    6.5                     
  $ 40001 -  45000     4.3             4.9           3.1                    5.7                     
  $ 45001 -  50000     3.6             4.7           3.1                    5.4                     
  $ 50001 -  75000    12.4            20.3          16.5                   17.8                     
  $ 75001 - 100000     4.7            10.7          10.9                    7.1                     
  $100001 - 250000     4.0            15.2          22.5                    5.8                     
  OVER $250,000        0.9            13.7          29.6                    1.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-32,054           $41                   2.11                     
  $     1  -  5000                  $2,709           $25                   0.60                     
  $  5001 -  10000                  $7,439          $173                   1.19                     
  $ 10001 -  15000                 $12,467          $424                   1.71                     
  $ 15001 -  20000                 $17,432          $760                   1.96                     
  $ 20001 -  25000                 $22,409        $1,147                   2.21                     
  $ 25001 -  30000                 $27,452        $1,586                   2.41                     
  $ 30001 -  35000                 $32,437        $2,045                   2.65                     
  $ 35001 -  40000                 $37,436        $2,508                   2.84                     
  $ 40001 -  45000                 $42,425        $3,043                   2.92                     
  $ 45001 -  50000                 $47,480        $3,507                   3.22                     
  $ 50001 -  75000                 $60,806        $5,488                   3.13                     
  $ 75001 - 100000                 $85,640        $9,678                   3.33                     
  $100001 - 250000                $139,934       $23,039                   3.10                     
  OVER $250,000                   $591,945      $142,707                   3.51                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $37,109        $4,123                   2.17                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                    
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   STANSBURY PARK UT                                                
                        _________________________________________________                           
  UNDER $ 5,000         130       $301,094        $3,800      1.26          30                      
  $  5001 -  10000       71       $503,898       $21,560      4.28          25                      
  $ 10001 -  15000       51       $622,461       $29,219      4.69          69                      
  $ 15001 -  20000       56       $969,793       $61,800      6.37          76                      
  $ 20001 -  25000       37       $834,721       $47,166      5.65          74                      
  $ 25001 -  30000       36       $998,720       $67,162      6.72          86                      
  $ 30001 -  35000       40     $1,312,353       $97,510      7.43          85                      
  $ 35001 -  40000       44     $1,641,644       $93,452      5.69         131                      
  $ 40001 -  45000       52     $2,212,493      $178,045      8.05         137                      
  $ 45001 -  50000       50     $2,387,254      $162,985      6.83         169                      
  $ 50001 -  75000      279    $17,373,662    $1,392,190      8.01         999                      
  $ 75001 - 100000      164    $14,091,010    $1,674,299     11.88         559                      
  OVER $100,000          94    $13,258,228    $2,273,533     17.15         306                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,104     $56,507,331    $6,102,721     10.80        2,746                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       11.8             0.5           0.1                    1.1                     
  $  5001 -  10000     6.4             0.9           0.4                    0.9                     
  $ 10001 -  15000     4.6             1.1           0.5                    2.5                     
  $ 15001 -  20000     5.1             1.7           1.0                    2.8                     
  $ 20001 -  25000     3.4             1.5           0.8                    2.7                     
  $ 25001 -  30000     3.3             1.8           1.1                    3.1                     
  $ 30001 -  35000     3.6             2.3           1.6                    3.1                     
  $ 35001 -  40000     4.0             2.9           1.5                    4.8                     
  $ 40001 -  45000     4.7             3.9           2.9                    5.0                     
  $ 45001 -  50000     4.5             4.2           2.7                    6.2                     
  $ 50001 -  75000    25.3            30.7          22.8                   36.4                     
  $ 75001 - 100000    14.9            24.9          27.4                   20.4                     
  OVER $100,000        8.5            23.5          37.3                   11.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,316           $29                   0.23                     
  $  5001 -  10000                  $7,097          $304                   0.35                     
  $ 10001 -  15000                 $12,205          $573                   1.35                     
  $ 15001 -  20000                 $17,318        $1,104                   1.36                     
  $ 20001 -  25000                 $22,560        $1,275                   2.00                     
  $ 25001 -  30000                 $27,742        $1,866                   2.39                     
  $ 30001 -  35000                 $32,809        $2,438                   2.13                     
  $ 35001 -  40000                 $37,310        $2,124                   2.98                     
  $ 40001 -  45000                 $42,548        $3,424                   2.63                     
  $ 45001 -  50000                 $47,745        $3,260                   3.38                     
  $ 50001 -  75000                 $62,271        $4,990                   3.58                     
  $ 75001 - 100000                 $85,921       $10,209                   3.41                     
  OVER $100,000                   $141,045       $24,187                   3.26                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $51,184        $5,528                   2.49                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   SUNSET UT                                                        
                        _________________________________________________                           
  UNDER $ 5,000         176       $421,174        $2,087      0.50         133                      
  $  5001 -  10000      188     $1,405,371       $28,775      2.05         231                      
  $ 10001 -  15000      204     $2,534,761       $94,649      3.73         314                      
  $ 15001 -  20000      191     $3,336,222      $183,227      5.49         307                      
  $ 20001 -  25000      196     $4,393,602      $254,919      5.80         393                      
  $ 25001 -  30000      206     $5,691,289      $356,881      6.27         507                      
  $ 30001 -  35000      166     $5,417,762      $401,652      7.41         387                      
  $ 35001 -  40000      146     $5,457,544      $433,334      7.94         366                      
  $ 40001 -  45000      123     $5,226,022      $456,381      8.73         327                      
  $ 45001 -  50000      102     $4,858,694      $412,694      8.49         303                      
  $ 50001 -  75000      281    $16,774,667    $1,722,302     10.27         825                      
  $ 75001 - 100000       59     $4,974,738      $670,591     13.48         163                      
  $100001 - 250000       15     $1,951,917      $358,729     18.38          45                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,053     $62,443,763    $5,376,221      8.61        4,301                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000        8.6             0.7           0.0                    3.1                     
  $  5001 -  10000     9.2             2.3           0.5                    5.4                     
  $ 10001 -  15000     9.9             4.1           1.8                    7.3                     
  $ 15001 -  20000     9.3             5.3           3.4                    7.1                     
  $ 20001 -  25000     9.5             7.0           4.7                    9.1                     
  $ 25001 -  30000    10.0             9.1           6.6                   11.8                     
  $ 30001 -  35000     8.1             8.7           7.5                    9.0                     
  $ 35001 -  40000     7.1             8.7           8.1                    8.5                     
  $ 40001 -  45000     6.0             8.4           8.5                    7.6                     
  $ 45001 -  50000     5.0             7.8           7.7                    7.0                     
  $ 50001 -  75000    13.7            26.9          32.0                   19.2                     
  $ 75001 - 100000     2.9             8.0          12.5                    3.8                     
  $100001 - 250000     0.7             3.1           6.7                    1.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,393           $12                   0.76                     
  $  5001 -  10000                  $7,475          $153                   1.23                     
  $ 10001 -  15000                 $12,425          $464                   1.54                     
  $ 15001 -  20000                 $17,467          $959                   1.61                     
  $ 20001 -  25000                 $22,416        $1,301                   2.01                     
  $ 25001 -  30000                 $27,628        $1,732                   2.46                     
  $ 30001 -  35000                 $32,637        $2,420                   2.33                     
  $ 35001 -  40000                 $37,380        $2,968                   2.51                     
  $ 40001 -  45000                 $42,488        $3,710                   2.66                     
  $ 45001 -  50000                 $47,634        $4,046                   2.97                     
  $ 50001 -  75000                 $59,696        $6,129                   2.94                     
  $ 75001 - 100000                 $84,318       $11,366                   2.76                     
  $100001 - 250000                $130,128       $23,915                   3.00                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,416        $2,619                   2.09                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   SYRACUSE UT                                                      
                        _________________________________________________                           
  UNDER $1               14      $-145,823            $0      0.00          27                      
  $     1  -  5000      453     $1,176,338        $7,826      0.67         104                      
  $  5001 -  10000      278     $2,018,431       $72,626      3.60         181                      
  $ 10001 -  15000      238     $2,931,328      $157,099      5.36         266                      
  $ 15001 -  20000      185     $3,237,592      $173,867      5.37         343                      
  $ 20001 -  25000      185     $4,145,467      $244,521      5.90         370                      
  $ 25001 -  30000      155     $4,259,733      $265,932      6.24         368                      
  $ 30001 -  35000      188     $6,125,635      $349,539      5.71         563                      
  $ 35001 -  40000      188     $7,073,711      $439,020      6.21         586                      
  $ 40001 -  45000      189     $8,051,793      $522,005      6.48         607                      
  $ 45001 -  50000      210     $9,980,055      $607,152      6.08         773                      
  $ 50001 -  75000      844    $52,138,447    $4,074,416      7.81       3,177                      
  $ 75001 - 100000      333    $28,209,444    $2,929,766     10.39       1,310                      
  $100001 - 250000      173    $21,860,516    $3,316,773     15.17         631                      
  OVER $250,000          14     $5,421,553    $1,276,261     23.54          65                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,647    $156,484,220   $14,436,803      9.23        9,371                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.1           0.0                    0.3                     
  $     1  -  5000    12.4             0.8           0.1                    1.1                     
  $  5001 -  10000     7.6             1.3           0.5                    1.9                     
  $ 10001 -  15000     6.5             1.9           1.1                    2.8                     
  $ 15001 -  20000     5.1             2.1           1.2                    3.7                     
  $ 20001 -  25000     5.1             2.6           1.7                    3.9                     
  $ 25001 -  30000     4.3             2.7           1.8                    3.9                     
  $ 30001 -  35000     5.2             3.9           2.4                    6.0                     
  $ 35001 -  40000     5.2             4.5           3.0                    6.3                     
  $ 40001 -  45000     5.2             5.1           3.6                    6.5                     
  $ 45001 -  50000     5.8             6.4           4.2                    8.2                     
  $ 50001 -  75000    23.1            33.3          28.2                   33.9                     
  $ 75001 - 100000     9.1            18.0          20.3                   14.0                     
  $100001 - 250000     4.7            14.0          23.0                    6.7                     
  OVER $250,000        0.4             3.5           8.8                    0.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-10,416            $0                   1.93                     
  $     1  -  5000                  $2,597           $17                   0.23                     
  $  5001 -  10000                  $7,261          $261                   0.65                     
  $ 10001 -  15000                 $12,317          $660                   1.12                     
  $ 15001 -  20000                 $17,500          $940                   1.85                     
  $ 20001 -  25000                 $22,408        $1,322                   2.00                     
  $ 25001 -  30000                 $27,482        $1,716                   2.37                     
  $ 30001 -  35000                 $32,583        $1,859                   2.99                     
  $ 35001 -  40000                 $37,626        $2,335                   3.12                     
  $ 40001 -  45000                 $42,602        $2,762                   3.21                     
  $ 45001 -  50000                 $47,524        $2,891                   3.68                     
  $ 50001 -  75000                 $61,775        $4,828                   3.76                     
  $ 75001 - 100000                 $84,713        $8,798                   3.93                     
  $100001 - 250000                $126,361       $19,172                   3.65                     
  OVER $250,000                   $387,254       $91,162                   4.64                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $42,908        $3,959                   2.57                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                      
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   TAYLORSVILLE UT                                                  
                        _________________________________________________                           
  UNDER $1               22      $-238,529        $4,545     -1.91          35                      
  $     1  -  5000    1,333     $3,570,386       $17,368      0.49         457                      
  $  5001 -  10000    1,141     $8,450,579      $261,610      3.10         974                      
  $ 10001 -  15000      981    $12,279,083      $584,083      4.76       1,352                      
  $ 15001 -  20000    1,025    $17,916,280      $962,323      5.37       1,787                      
  $ 20001 -  25000      875    $19,636,286    $1,232,003      6.27       1,706                      
  $ 25001 -  30000      704    $19,318,575    $1,305,718      6.76       1,529                      
  $ 30001 -  35000      665    $21,622,001    $1,634,597      7.56       1,470                      
  $ 35001 -  40000      547    $20,488,840    $1,543,501      7.53       1,413                      
  $ 40001 -  45000      504    $21,382,933    $1,633,310      7.64       1,442                      
  $ 45001 -  50000      448    $21,266,301    $1,691,363      7.95       1,343                      
  $ 50001 -  75000    1,278    $77,270,836    $6,808,182      8.81       4,260                      
  $ 75001 - 100000      435    $37,042,394    $4,275,388     11.54       1,530                      
  $100001 - 250000      185    $23,287,562    $3,824,508     16.42         631                      
  OVER $250,000          11     $4,307,231    $1,069,853     24.84          34                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             10,154    $307,600,758   $26,848,352      8.73       19,963                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.2            -0.1           0.0                    0.2                     
  $     1  -  5000    13.1             1.2           0.1                    2.3                     
  $  5001 -  10000    11.2             2.7           1.0                    4.9                     
  $ 10001 -  15000     9.7             4.0           2.2                    6.8                     
  $ 15001 -  20000    10.1             5.8           3.6                    9.0                     
  $ 20001 -  25000     8.6             6.4           4.6                    8.5                     
  $ 25001 -  30000     6.9             6.3           4.9                    7.7                     
  $ 30001 -  35000     6.5             7.0           6.1                    7.4                     
  $ 35001 -  40000     5.4             6.7           5.7                    7.1                     
  $ 40001 -  45000     5.0             7.0           6.1                    7.2                     
  $ 45001 -  50000     4.4             6.9           6.3                    6.7                     
  $ 50001 -  75000    12.6            25.1          25.4                   21.3                     
  $ 75001 - 100000     4.3            12.0          15.9                    7.7                     
  $100001 - 250000     1.8             7.6          14.2                    3.2                     
  OVER $250,000        0.1             1.4           4.0                    0.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-10,842          $207                   1.59                     
  $     1  -  5000                  $2,678           $13                   0.34                     
  $  5001 -  10000                  $7,406          $229                   0.85                     
  $ 10001 -  15000                 $12,517          $595                   1.38                     
  $ 15001 -  20000                 $17,479          $939                   1.74                     
  $ 20001 -  25000                 $22,441        $1,408                   1.95                     
  $ 25001 -  30000                 $27,441        $1,855                   2.17                     
  $ 30001 -  35000                 $32,514        $2,458                   2.21                     
  $ 35001 -  40000                 $37,457        $2,822                   2.58                     
  $ 40001 -  45000                 $42,426        $3,241                   2.86                     
  $ 45001 -  50000                 $47,469        $3,775                   3.00                     
  $ 50001 -  75000                 $60,462        $5,327                   3.33                     
  $ 75001 - 100000                 $85,155        $9,828                   3.52                     
  $100001 - 250000                $125,879       $20,673                   3.41                     
  OVER $250,000                   $391,566       $97,259                   3.09                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,294        $2,644                   1.97                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   TOOELE UT                                                        
                        _________________________________________________                           
  UNDER $1               35      $-626,596           $24     -0.00          72                      
  $     1  -  5000      843     $2,260,718        $9,415      0.42         509                      
  $  5001 -  10000      722     $5,440,142      $117,279      2.16         878                      
  $ 10001 -  15000      777     $9,739,639      $378,088      3.88       1,201                      
  $ 15001 -  20000      758    $13,311,381      $689,574      5.18       1,322                      
  $ 20001 -  25000      757    $16,926,399    $1,010,306      5.97       1,535                      
  $ 25001 -  30000      643    $17,634,905    $1,180,519      6.69       1,419                      
  $ 30001 -  35000      706    $22,903,529    $1,517,843      6.63       1,836                      
  $ 35001 -  40000      669    $25,044,085    $1,862,808      7.44       1,785                      
  $ 40001 -  45000      616    $26,130,051    $2,025,705      7.75       1,810                      
  $ 45001 -  50000      557    $26,415,394    $2,056,645      7.79       1,760                      
  $ 50001 -  75000    1,639    $99,178,483    $9,266,455      9.34       5,265                      
  $ 75001 - 100000      523    $44,226,311    $5,435,371     12.29       1,769                      
  $100001 - 250000      190    $24,117,680    $4,044,678     16.77         610                      
  OVER $250,000          16     $6,651,509    $1,539,254     23.14          41                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              9,451    $339,353,630   $31,133,964      9.17       21,812                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.2           0.0                    0.3                     
  $     1  -  5000     8.9             0.7           0.0                    2.3                     
  $  5001 -  10000     7.6             1.6           0.4                    4.0                     
  $ 10001 -  15000     8.2             2.9           1.2                    5.5                     
  $ 15001 -  20000     8.0             3.9           2.2                    6.1                     
  $ 20001 -  25000     8.0             5.0           3.2                    7.0                     
  $ 25001 -  30000     6.8             5.2           3.8                    6.5                     
  $ 30001 -  35000     7.5             6.7           4.9                    8.4                     
  $ 35001 -  40000     7.1             7.4           6.0                    8.2                     
  $ 40001 -  45000     6.5             7.7           6.5                    8.3                     
  $ 45001 -  50000     5.9             7.8           6.6                    8.1                     
  $ 50001 -  75000    17.3            29.2          29.8                   24.1                     
  $ 75001 - 100000     5.5            13.0          17.5                    8.1                     
  $100001 - 250000     2.0             7.1          13.0                    2.8                     
  OVER $250,000        0.2             2.0           4.9                    0.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-17,903            $1                   2.06                     
  $     1  -  5000                  $2,682           $11                   0.60                     
  $  5001 -  10000                  $7,535          $162                   1.22                     
  $ 10001 -  15000                 $12,535          $487                   1.55                     
  $ 15001 -  20000                 $17,561          $910                   1.74                     
  $ 20001 -  25000                 $22,360        $1,335                   2.03                     
  $ 25001 -  30000                 $27,426        $1,836                   2.21                     
  $ 30001 -  35000                 $32,441        $2,150                   2.60                     
  $ 35001 -  40000                 $37,435        $2,784                   2.67                     
  $ 40001 -  45000                 $42,419        $3,288                   2.94                     
  $ 45001 -  50000                 $47,424        $3,692                   3.16                     
  $ 50001 -  75000                 $60,512        $5,654                   3.21                     
  $ 75001 - 100000                 $84,563       $10,393                   3.38                     
  $100001 - 250000                $126,935       $21,288                   3.21                     
  OVER $250,000                   $415,719       $96,203                   2.56                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $35,907        $3,294                   2.31                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   TREMONTON UT                                                     
                        _________________________________________________                           
  UNDER $1               20      $-740,744        $2,387     -0.32          54                      
  $     1  -  5000      387     $1,063,633       $11,815      1.11         148                      
  $  5001 -  10000      300     $2,173,942       $67,561      3.11         254                      
  $ 10001 -  15000      258     $3,193,710      $132,544      4.15         405                      
  $ 15001 -  20000      245     $4,273,086      $204,309      4.78         474                      
  $ 20001 -  25000      230     $5,156,659      $273,947      5.31         515                      
  $ 25001 -  30000      211     $5,805,710      $361,183      6.22         511                      
  $ 30001 -  35000      200     $6,509,542      $378,453      5.81         617                      
  $ 35001 -  40000      177     $6,634,197      $402,654      6.07         585                      
  $ 40001 -  45000      159     $6,754,538      $435,758      6.45         579                      
  $ 45001 -  50000      162     $7,662,066      $510,248      6.66         622                      
  $ 50001 -  75000      577    $34,744,634    $2,921,443      8.41       2,153                      
  $ 75001 - 100000      186    $15,701,146    $1,829,168     11.65         705                      
  OVER $100,000          92    $14,421,220    $2,543,468     17.64         353                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,204    $113,353,339   $10,074,938      8.89        7,975                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.6            -0.7           0.0                    0.7                     
  $     1  -  5000    12.1             0.9           0.1                    1.9                     
  $  5001 -  10000     9.4             1.9           0.7                    3.2                     
  $ 10001 -  15000     8.1             2.8           1.3                    5.1                     
  $ 15001 -  20000     7.6             3.8           2.0                    5.9                     
  $ 20001 -  25000     7.2             4.5           2.7                    6.5                     
  $ 25001 -  30000     6.6             5.1           3.6                    6.4                     
  $ 30001 -  35000     6.2             5.7           3.8                    7.7                     
  $ 35001 -  40000     5.5             5.9           4.0                    7.3                     
  $ 40001 -  45000     5.0             6.0           4.3                    7.3                     
  $ 45001 -  50000     5.1             6.8           5.1                    7.8                     
  $ 50001 -  75000    18.0            30.7          29.0                   27.0                     
  $ 75001 - 100000     5.8            13.9          18.2                    8.8                     
  OVER $100,000        2.9            12.7          25.2                    4.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-37,037          $119                   2.70                     
  $     1  -  5000                  $2,748           $31                   0.38                     
  $  5001 -  10000                  $7,246          $225                   0.85                     
  $ 10001 -  15000                 $12,379          $514                   1.57                     
  $ 15001 -  20000                 $17,441          $834                   1.93                     
  $ 20001 -  25000                 $22,420        $1,191                   2.24                     
  $ 25001 -  30000                 $27,515        $1,712                   2.42                     
  $ 30001 -  35000                 $32,548        $1,892                   3.09                     
  $ 35001 -  40000                 $37,481        $2,275                   3.31                     
  $ 40001 -  45000                 $42,481        $2,741                   3.64                     
  $ 45001 -  50000                 $47,297        $3,150                   3.84                     
  $ 50001 -  75000                 $60,216        $5,063                   3.73                     
  $ 75001 - 100000                 $84,415        $9,834                   3.79                     
  OVER $100,000                   $156,752       $27,646                   3.84                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $35,379        $3,144                   2.49                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   VERNAL UT                                                        
                        _________________________________________________                           
  UNDER $1               52    $-2,278,267          $357     -0.02         129                      
  $     1  -  5000      998     $2,661,689       $15,233      0.57         605                      
  $  5001 -  10000      864     $6,341,117      $128,651      2.03       1,121                      
  $ 10001 -  15000      697     $8,620,658      $299,109      3.47       1,196                      
  $ 15001 -  20000      589    $10,273,707      $420,630      4.09       1,294                      
  $ 20001 -  25000      526    $11,773,689      $610,589      5.19       1,222                      
  $ 25001 -  30000      418    $11,520,817      $641,658      5.57       1,120                      
  $ 30001 -  35000      392    $12,696,768      $720,789      5.68       1,228                      
  $ 35001 -  40000      367    $13,749,571      $851,304      6.19       1,220                      
  $ 40001 -  45000      350    $14,860,473    $1,050,242      7.07       1,185                      
  $ 45001 -  50000      318    $15,070,151    $1,143,208      7.59       1,094                      
  $ 50001 -  75000      953    $57,754,526    $5,384,070      9.32       3,386                      
  $ 75001 - 100000      300    $25,622,187    $3,235,464     12.63       1,055                      
  $100001 - 250000      159    $21,624,720    $3,833,461     17.73         517                      
  OVER $250,000          20     $8,665,715    $2,340,836     27.01          59                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              7,003    $218,957,521   $20,675,601      9.44       16,431                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.7            -1.0           0.0                    0.8                     
  $     1  -  5000    14.3             1.2           0.1                    3.7                     
  $  5001 -  10000    12.3             2.9           0.6                    6.8                     
  $ 10001 -  15000    10.0             3.9           1.4                    7.3                     
  $ 15001 -  20000     8.4             4.7           2.0                    7.9                     
  $ 20001 -  25000     7.5             5.4           3.0                    7.4                     
  $ 25001 -  30000     6.0             5.3           3.1                    6.8                     
  $ 30001 -  35000     5.6             5.8           3.5                    7.5                     
  $ 35001 -  40000     5.2             6.3           4.1                    7.4                     
  $ 40001 -  45000     5.0             6.8           5.1                    7.2                     
  $ 45001 -  50000     4.5             6.9           5.5                    6.7                     
  $ 50001 -  75000    13.6            26.4          26.0                   20.6                     
  $ 75001 - 100000     4.3            11.7          15.6                    6.4                     
  $100001 - 250000     2.3             9.9          18.5                    3.1                     
  OVER $250,000        0.3             4.0          11.3                    0.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-43,813            $7                   2.48                     
  $     1  -  5000                  $2,667           $15                   0.61                     
  $  5001 -  10000                  $7,339          $149                   1.30                     
  $ 10001 -  15000                 $12,368          $429                   1.72                     
  $ 15001 -  20000                 $17,443          $714                   2.20                     
  $ 20001 -  25000                 $22,383        $1,161                   2.32                     
  $ 25001 -  30000                 $27,562        $1,535                   2.68                     
  $ 30001 -  35000                 $32,390        $1,839                   3.13                     
  $ 35001 -  40000                 $37,465        $2,320                   3.32                     
  $ 40001 -  45000                 $42,458        $3,001                   3.39                     
  $ 45001 -  50000                 $47,390        $3,595                   3.44                     
  $ 50001 -  75000                 $60,603        $5,650                   3.55                     
  $ 75001 - 100000                 $85,407       $10,785                   3.52                     
  $100001 - 250000                $136,005       $24,110                   3.25                     
  OVER $250,000                   $433,286      $117,042                   2.95                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $31,266        $2,952                   2.35                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   WASHINGTON UT                                                    
                        _________________________________________________                           
  UNDER $1               25    $-3,276,051            $0      0.00          64                      
  $     1  -  5000      277       $772,436        $2,080      0.27         161                      
  $  5001 -  10000      356     $2,672,352       $63,305      2.37         418                      
  $ 10001 -  15000      304     $3,779,664      $135,978      3.60         529                      
  $ 15001 -  20000      268     $4,687,185      $168,226      3.59         602                      
  $ 20001 -  25000      229     $5,110,429      $248,121      4.86         556                      
  $ 25001 -  30000      197     $5,448,783      $335,171      6.15         504                      
  $ 30001 -  35000      170     $5,527,892      $325,774      5.89         478                      
  $ 35001 -  40000      170     $6,400,760      $442,957      6.92         521                      
  $ 40001 -  45000      106     $4,490,401      $286,028      6.37         365                      
  $ 45001 -  50000      114     $5,422,028      $380,520      7.02         389                      
  $ 50001 -  75000      298    $18,061,339    $1,478,393      8.19       1,084                      
  $ 75001 - 100000       77     $6,534,814      $733,001     11.22         253                      
  OVER $100,000          57     $9,307,562    $1,687,241     18.13         200                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,648     $74,939,594    $6,286,795      8.39        6,124                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.9            -4.4           0.0                    1.0                     
  $     1  -  5000    10.5             1.0           0.0                    2.6                     
  $  5001 -  10000    13.4             3.6           1.0                    6.8                     
  $ 10001 -  15000    11.5             5.0           2.2                    8.6                     
  $ 15001 -  20000    10.1             6.3           2.7                    9.8                     
  $ 20001 -  25000     8.6             6.8           3.9                    9.1                     
  $ 25001 -  30000     7.4             7.3           5.3                    8.2                     
  $ 30001 -  35000     6.4             7.4           5.2                    7.8                     
  $ 35001 -  40000     6.4             8.5           7.0                    8.5                     
  $ 40001 -  45000     4.0             6.0           4.5                    6.0                     
  $ 45001 -  50000     4.3             7.2           6.1                    6.4                     
  $ 50001 -  75000    11.3            24.1          23.5                   17.7                     
  $ 75001 - 100000     2.9             8.7          11.7                    4.1                     
  OVER $100,000        2.2            12.4          26.8                    3.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-131042            $0                   2.56                     
  $     1  -  5000                  $2,789            $8                   0.58                     
  $  5001 -  10000                  $7,507          $178                   1.17                     
  $ 10001 -  15000                 $12,433          $447                   1.74                     
  $ 15001 -  20000                 $17,489          $628                   2.25                     
  $ 20001 -  25000                 $22,316        $1,083                   2.43                     
  $ 25001 -  30000                 $27,659        $1,701                   2.56                     
  $ 30001 -  35000                 $32,517        $1,916                   2.81                     
  $ 35001 -  40000                 $37,652        $2,606                   3.06                     
  $ 40001 -  45000                 $42,362        $2,698                   3.44                     
  $ 45001 -  50000                 $47,562        $3,338                   3.41                     
  $ 50001 -  75000                 $60,609        $4,961                   3.64                     
  $ 75001 - 100000                 $84,868        $9,519                   3.29                     
  OVER $100,000                   $163,291       $29,601                   3.51                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $28,300        $2,374                   2.31                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   WELLINGTON UT                                                    
                        _________________________________________________                           
  UNDER $ 5,000         112       $163,393          $330      0.20          78                      
  $  5001 -  10000      104       $768,382       $14,426      1.88         140                      
  $ 10001 -  15000       79       $953,178       $22,849      2.40         164                      
  $ 15001 -  20000       66     $1,147,814       $46,051      4.01         154                      
  $ 20001 -  25000       57     $1,296,350       $76,291      5.89         124                      
  $ 25001 -  30000       46     $1,262,649       $82,388      6.53         110                      
  $ 30001 -  35000       49     $1,603,491       $98,489      6.14         148                      
  $ 35001 -  40000       31     $1,177,914       $92,309      7.84          90                      
  $ 40001 -  45000       36     $1,536,888      $139,707      9.09          97                      
  $ 45001 -  50000       38     $1,802,913      $149,484      8.29         121                      
  $ 50001 -  75000      110     $6,639,230      $652,159      9.82         362                      
  $ 75001 - 100000       26     $2,252,140      $287,183     12.75          98                      
  OVER $100,000          18     $2,414,964      $457,856     18.96          59                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                772     $23,019,306    $2,119,522      9.21        1,745                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       14.5             0.7           0.0                    4.5                     
  $  5001 -  10000    13.5             3.3           0.7                    8.0                     
  $ 10001 -  15000    10.2             4.1           1.1                    9.4                     
  $ 15001 -  20000     8.5             5.0           2.2                    8.8                     
  $ 20001 -  25000     7.4             5.6           3.6                    7.1                     
  $ 25001 -  30000     6.0             5.5           3.9                    6.3                     
  $ 30001 -  35000     6.3             7.0           4.6                    8.5                     
  $ 35001 -  40000     4.0             5.1           4.4                    5.2                     
  $ 40001 -  45000     4.7             6.7           6.6                    5.6                     
  $ 45001 -  50000     4.9             7.8           7.1                    6.9                     
  $ 50001 -  75000    14.2            28.8          30.8                   20.7                     
  $ 75001 - 100000     3.4             9.8          13.5                    5.6                     
  OVER $100,000        2.3            10.5          21.6                    3.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $1,459            $3                   0.70                     
  $  5001 -  10000                  $7,388          $139                   1.35                     
  $ 10001 -  15000                 $12,066          $289                   2.08                     
  $ 15001 -  20000                 $17,391          $698                   2.33                     
  $ 20001 -  25000                 $22,743        $1,338                   2.18                     
  $ 25001 -  30000                 $27,449        $1,791                   2.39                     
  $ 30001 -  35000                 $32,724        $2,010                   3.02                     
  $ 35001 -  40000                 $37,997        $2,978                   2.90                     
  $ 40001 -  45000                 $42,691        $3,881                   2.69                     
  $ 45001 -  50000                 $47,445        $3,934                   3.18                     
  $ 50001 -  75000                 $60,357        $5,929                   3.29                     
  $ 75001 - 100000                 $86,621       $11,046                   3.77                     
  OVER $100,000                   $134,165       $25,436                   3.28                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $29,818        $2,745                   2.26                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   WELLSVILLE UT                                                    
                        _________________________________________________                           
  UNDER $1               14      $-141,783            $0      0.00          25                      
  $     1  -  5000      185       $501,791        $3,721      0.74          96                      
  $  5001 -  10000      142     $1,026,720       $30,640      2.98         128                      
  $ 10001 -  15000      130     $1,591,349       $63,694      4.00         198                      
  $ 15001 -  20000      116     $2,045,807       $98,199      4.80         211                      
  $ 20001 -  25000      112     $2,486,719      $126,866      5.10         262                      
  $ 25001 -  30000       91     $2,518,213      $128,185      5.09         275                      
  $ 30001 -  35000       83     $2,712,668      $143,158      5.28         276                      
  $ 35001 -  40000       95     $3,558,646      $195,563      5.50         327                      
  $ 40001 -  45000      104     $4,421,532      $301,525      6.82         355                      
  $ 45001 -  50000       74     $3,509,761      $206,069      5.87         304                      
  $ 50001 -  75000      256    $15,653,008    $1,258,922      8.04       1,004                      
  $ 75001 - 100000       83     $7,043,014      $862,177     12.24         297                      
  OVER $100,000          38     $6,692,172    $1,148,449     17.16         142                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,523     $53,619,617    $4,567,168      8.52        3,900                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.9            -0.3           0.0                    0.6                     
  $     1  -  5000    12.1             0.9           0.1                    2.5                     
  $  5001 -  10000     9.3             1.9           0.7                    3.3                     
  $ 10001 -  15000     8.5             3.0           1.4                    5.1                     
  $ 15001 -  20000     7.6             3.8           2.2                    5.4                     
  $ 20001 -  25000     7.4             4.6           2.8                    6.7                     
  $ 25001 -  30000     6.0             4.7           2.8                    7.1                     
  $ 30001 -  35000     5.4             5.1           3.1                    7.1                     
  $ 35001 -  40000     6.2             6.6           4.3                    8.4                     
  $ 40001 -  45000     6.8             8.2           6.6                    9.1                     
  $ 45001 -  50000     4.9             6.5           4.5                    7.8                     
  $ 50001 -  75000    16.8            29.2          27.6                   25.7                     
  $ 75001 - 100000     5.4            13.1          18.9                    7.6                     
  OVER $100,000        2.5            12.5          25.1                    3.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-10,127            $0                   1.79                     
  $     1  -  5000                  $2,712           $20                   0.52                     
  $  5001 -  10000                  $7,230          $216                   0.90                     
  $ 10001 -  15000                 $12,241          $490                   1.52                     
  $ 15001 -  20000                 $17,636          $847                   1.82                     
  $ 20001 -  25000                 $22,203        $1,133                   2.34                     
  $ 25001 -  30000                 $27,673        $1,409                   3.02                     
  $ 30001 -  35000                 $32,683        $1,725                   3.33                     
  $ 35001 -  40000                 $37,459        $2,059                   3.44                     
  $ 40001 -  45000                 $42,515        $2,899                   3.41                     
  $ 45001 -  50000                 $47,429        $2,785                   4.11                     
  $ 50001 -  75000                 $61,145        $4,918                   3.92                     
  $ 75001 - 100000                 $84,856       $10,388                   3.58                     
  OVER $100,000                   $176,110       $30,222                   3.74                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $35,207        $2,999                   2.56                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   WENDOVER UT                                                      
                        _________________________________________________                           
  UNDER $ 5,000          68       $169,771          $273      0.16          53                      
  $  5001 -  10000      100       $759,121       $13,528      1.78         168                      
  $ 10001 -  15000      130     $1,651,177       $49,221      2.98         280                      
  $ 15001 -  20000      134     $2,335,025      $104,977      4.50         306                      
  $ 20001 -  25000       92     $2,055,759       $89,947      4.38         250                      
  $ 25001 -  30000       77     $2,122,331      $112,828      5.32         234                      
  $ 30001 -  35000       62     $1,991,836      $106,366      5.34         221                      
  $ 35001 -  40000       49     $1,835,310      $127,968      6.97         158                      
  $ 40001 -  45000       13       $541,625       $46,230      8.54          40                      
  $ 45001 -  50000       25     $1,185,523       $90,905      7.67          99                      
  $ 50001 -  75000       55     $3,224,990      $336,921     10.45         172                      
  OVER $ 75,000          21     $2,436,638      $440,123     18.06          64                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                826     $20,309,106    $1,519,287      7.48        2,045                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000        8.2             0.8           0.0                    2.6                     
  $  5001 -  10000    12.1             3.7           0.9                    8.2                     
  $ 10001 -  15000    15.7             8.1           3.2                   13.7                     
  $ 15001 -  20000    16.2            11.5           6.9                   15.0                     
  $ 20001 -  25000    11.1            10.1           5.9                   12.2                     
  $ 25001 -  30000     9.3            10.5           7.4                   11.4                     
  $ 30001 -  35000     7.5             9.8           7.0                   10.8                     
  $ 35001 -  40000     5.9             9.0           8.4                    7.7                     
  $ 40001 -  45000     1.6             2.7           3.0                    2.0                     
  $ 45001 -  50000     3.0             5.8           6.0                    4.8                     
  $ 50001 -  75000     6.7            15.9          22.2                    8.4                     
  OVER $ 75,000        2.5            12.0          29.0                    3.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,497            $4                   0.78                     
  $  5001 -  10000                  $7,591          $135                   1.68                     
  $ 10001 -  15000                 $12,701          $379                   2.15                     
  $ 15001 -  20000                 $17,426          $783                   2.28                     
  $ 20001 -  25000                 $22,345          $978                   2.72                     
  $ 25001 -  30000                 $27,563        $1,465                   3.04                     
  $ 30001 -  35000                 $32,126        $1,716                   3.56                     
  $ 35001 -  40000                 $37,455        $2,612                   3.22                     
  $ 40001 -  45000                 $41,663        $3,556                   3.08                     
  $ 45001 -  50000                 $47,421        $3,636                   3.96                     
  $ 50001 -  75000                 $58,636        $6,126                   3.13                     
  OVER $ 75,000                   $116,030       $20,958                   3.05                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $24,587        $1,839                   2.48                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                    
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   WEST BOUNTIFUL UT                                                
                        _________________________________________________                           
  UNDER $ 5,000         252       $569,470        $3,162      0.56          55                      
  $  5001 -  10000      210     $1,556,310       $59,105      3.80         121                      
  $ 10001 -  15000      136     $1,673,971      $100,476      6.00         128                      
  $ 15001 -  20000      120     $2,098,742      $141,465      6.74         161                      
  $ 20001 -  25000       99     $2,218,510      $154,951      6.98         161                      
  $ 25001 -  30000       79     $2,183,881      $138,936      6.36         166                      
  $ 30001 -  35000       80     $2,603,896      $169,687      6.52         209                      
  $ 35001 -  40000       71     $2,664,599      $143,832      5.40         243                      
  $ 40001 -  45000       77     $3,288,450      $245,487      7.47         229                      
  $ 45001 -  50000       77     $3,651,147      $250,347      6.86         262                      
  $ 50001 -  75000      347    $21,606,619    $1,757,050      8.13       1,299                      
  $ 75001 - 100000      144    $12,209,058    $1,400,854     11.47         511                      
  OVER $100,000          80    $12,497,471    $2,150,757     17.21         321                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,772     $68,822,124    $6,716,109      9.76        3,866                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       14.2             0.8           0.0                    1.4                     
  $  5001 -  10000    11.9             2.3           0.9                    3.1                     
  $ 10001 -  15000     7.7             2.4           1.5                    3.3                     
  $ 15001 -  20000     6.8             3.0           2.1                    4.2                     
  $ 20001 -  25000     5.6             3.2           2.3                    4.2                     
  $ 25001 -  30000     4.5             3.2           2.1                    4.3                     
  $ 30001 -  35000     4.5             3.8           2.5                    5.4                     
  $ 35001 -  40000     4.0             3.9           2.1                    6.3                     
  $ 40001 -  45000     4.3             4.8           3.7                    5.9                     
  $ 45001 -  50000     4.3             5.3           3.7                    6.8                     
  $ 50001 -  75000    19.6            31.4          26.2                   33.6                     
  $ 75001 - 100000     8.1            17.7          20.9                   13.2                     
  OVER $100,000        4.5            18.2          32.0                    8.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,260           $13                   0.22                     
  $  5001 -  10000                  $7,411          $281                   0.58                     
  $ 10001 -  15000                 $12,309          $739                   0.94                     
  $ 15001 -  20000                 $17,490        $1,179                   1.34                     
  $ 20001 -  25000                 $22,409        $1,565                   1.63                     
  $ 25001 -  30000                 $27,644        $1,759                   2.10                     
  $ 30001 -  35000                 $32,549        $2,121                   2.61                     
  $ 35001 -  40000                 $37,530        $2,026                   3.42                     
  $ 40001 -  45000                 $42,707        $3,188                   2.97                     
  $ 45001 -  50000                 $47,417        $3,251                   3.40                     
  $ 50001 -  75000                 $62,267        $5,064                   3.74                     
  $ 75001 - 100000                 $84,785        $9,728                   3.55                     
  OVER $100,000                   $156,218       $26,884                   4.01                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $38,839        $3,790                   2.18                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   WEST JORDAN UT                                                   
                        _________________________________________________                           
  UNDER $1               89    $-3,204,694        $1,978     -0.06         186                      
  $     1  -  5000    3,285     $8,976,629       $53,195      0.59       1,189                      
  $  5001 -  10000    2,851    $21,145,141      $706,509      3.34       2,358                      
  $ 10001 -  15000    2,372    $29,683,988    $1,386,416      4.67       3,387                      
  $ 15001 -  20000    2,419    $42,415,814    $2,272,406      5.36       4,241                      
  $ 20001 -  25000    2,201    $49,294,771    $3,008,467      6.10       4,401                      
  $ 25001 -  30000    1,827    $50,282,112    $3,142,597      6.25       4,288                      
  $ 30001 -  35000    1,806    $58,684,925    $3,703,385      6.31       4,836                      
  $ 35001 -  40000    1,703    $63,911,114    $4,063,597      6.36       5,082                      
  $ 40001 -  45000    1,827    $77,422,806    $5,192,411      6.71       5,809                      
  $ 45001 -  50000    1,709    $81,104,689    $5,511,535      6.80       5,932                      
  $ 50001 -  75000    6,482   $396,199,214   $31,909,785      8.05      23,433                      
  $ 75001 - 100000    2,263   $192,064,296   $21,494,326     11.19       8,276                      
  $100001 - 250000      838   $106,960,496   $17,278,209     16.15       3,034                      
  OVER $250,000          50    $29,377,515    $6,672,061     22.71         163                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             31,722  $1,204,318,816  $106,396,877      8.83       76,615                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.3            -0.3           0.0                    0.2                     
  $     1  -  5000    10.4             0.7           0.0                    1.6                     
  $  5001 -  10000     9.0             1.8           0.7                    3.1                     
  $ 10001 -  15000     7.5             2.5           1.3                    4.4                     
  $ 15001 -  20000     7.6             3.5           2.1                    5.5                     
  $ 20001 -  25000     6.9             4.1           2.8                    5.7                     
  $ 25001 -  30000     5.8             4.2           3.0                    5.6                     
  $ 30001 -  35000     5.7             4.9           3.5                    6.3                     
  $ 35001 -  40000     5.4             5.3           3.8                    6.6                     
  $ 40001 -  45000     5.8             6.4           4.9                    7.6                     
  $ 45001 -  50000     5.4             6.7           5.2                    7.7                     
  $ 50001 -  75000    20.4            32.9          30.0                   30.6                     
  $ 75001 - 100000     7.1            15.9          20.2                   10.8                     
  $100001 - 250000     2.6             8.9          16.2                    4.0                     
  OVER $250,000        0.2             2.4           6.3                    0.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-36,008           $22                   2.09                     
  $     1  -  5000                  $2,733           $16                   0.36                     
  $  5001 -  10000                  $7,417          $248                   0.83                     
  $ 10001 -  15000                 $12,514          $584                   1.43                     
  $ 15001 -  20000                 $17,534          $939                   1.75                     
  $ 20001 -  25000                 $22,397        $1,367                   2.00                     
  $ 25001 -  30000                 $27,522        $1,720                   2.35                     
  $ 30001 -  35000                 $32,494        $2,051                   2.68                     
  $ 35001 -  40000                 $37,529        $2,386                   2.98                     
  $ 40001 -  45000                 $42,377        $2,842                   3.18                     
  $ 45001 -  50000                 $47,457        $3,225                   3.47                     
  $ 50001 -  75000                 $61,123        $4,923                   3.62                     
  $ 75001 - 100000                 $84,872        $9,498                   3.66                     
  $100001 - 250000                $127,638       $20,618                   3.62                     
  OVER $250,000                   $587,550      $133,441                   3.26                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $37,965        $3,354                   2.42                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   WEST POINT UT                                                    
                        _________________________________________________                           
  UNDER $ 5,000         251       $422,519        $5,661      1.34          73                      
  $  5001 -  10000      212     $1,532,423       $60,117      3.92         114                      
  $ 10001 -  15000      161     $1,992,501      $104,991      5.27         177                      
  $ 15001 -  20000      100     $1,747,351       $97,789      5.60         178                      
  $ 20001 -  25000      112     $2,538,630      $154,354      6.08         207                      
  $ 25001 -  30000      110     $3,024,572      $191,476      6.33         250                      
  $ 30001 -  35000      107     $3,487,049      $219,739      6.30         287                      
  $ 35001 -  40000      105     $3,946,924      $271,977      6.89         304                      
  $ 40001 -  45000      109     $4,618,724      $302,975      6.56         370                      
  $ 45001 -  50000      108     $5,112,998      $361,931      7.08         372                      
  $ 50001 -  75000      474    $29,082,914    $2,282,892      7.85       1,826                      
  $ 75001 - 100000      228    $19,565,732    $2,193,799     11.21         859                      
  OVER $100,000          97    $17,977,252    $4,043,820     22.49         351                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,174     $95,049,589   $10,291,521     10.83        5,368                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       11.5             0.4           0.1                    1.4                     
  $  5001 -  10000     9.8             1.6           0.6                    2.1                     
  $ 10001 -  15000     7.4             2.1           1.0                    3.3                     
  $ 15001 -  20000     4.6             1.8           1.0                    3.3                     
  $ 20001 -  25000     5.2             2.7           1.5                    3.9                     
  $ 25001 -  30000     5.1             3.2           1.9                    4.7                     
  $ 30001 -  35000     4.9             3.7           2.1                    5.3                     
  $ 35001 -  40000     4.8             4.2           2.6                    5.7                     
  $ 40001 -  45000     5.0             4.9           2.9                    6.9                     
  $ 45001 -  50000     5.0             5.4           3.5                    6.9                     
  $ 50001 -  75000    21.8            30.6          22.2                   34.0                     
  $ 75001 - 100000    10.5            20.6          21.3                   16.0                     
  OVER $100,000        4.5            18.9          39.3                    6.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $1,683           $23                   0.29                     
  $  5001 -  10000                  $7,228          $284                   0.54                     
  $ 10001 -  15000                 $12,376          $652                   1.10                     
  $ 15001 -  20000                 $17,474          $978                   1.78                     
  $ 20001 -  25000                 $22,666        $1,378                   1.85                     
  $ 25001 -  30000                 $27,496        $1,741                   2.27                     
  $ 30001 -  35000                 $32,589        $2,054                   2.68                     
  $ 35001 -  40000                 $37,590        $2,590                   2.90                     
  $ 40001 -  45000                 $42,374        $2,780                   3.39                     
  $ 45001 -  50000                 $47,343        $3,351                   3.44                     
  $ 50001 -  75000                 $61,356        $4,816                   3.85                     
  $ 75001 - 100000                 $85,815        $9,622                   3.77                     
  OVER $100,000                   $185,332       $41,689                   3.62                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $43,721        $4,734                   2.47                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   WEST VALLEY UT                                                   
                        _________________________________________________                           
  UNDER $1               89    $-2,424,080       $13,082     -0.54         169                      
  $     1  -  5000    3,664    $10,047,841       $30,830      0.31       2,226                      
  $  5001 -  10000    3,660    $27,298,986      $657,217      2.41       4,335                      
  $ 10001 -  15000    3,678    $46,215,140    $1,789,202      3.87       6,074                      
  $ 15001 -  20000    4,082    $71,606,400    $3,607,337      5.04       7,841                      
  $ 20001 -  25000    3,607    $80,805,101    $4,768,837      5.90       7,623                      
  $ 25001 -  30000    2,886    $79,057,342    $5,196,782      6.57       6,605                      
  $ 30001 -  35000    2,398    $77,710,463    $5,332,809      6.86       6,090                      
  $ 35001 -  40000    2,230    $83,462,894    $5,865,993      7.03       6,375                      
  $ 40001 -  45000    2,011    $85,477,661    $6,249,638      7.31       6,260                      
  $ 45001 -  50000    1,732    $82,193,138    $6,267,509      7.63       5,699                      
  $ 50001 -  75000    5,148   $310,241,257   $27,466,178      8.85      17,594                      
  $ 75001 - 100000    1,236   $103,539,250   $12,419,340     11.99       4,282                      
  $100001 - 250000      362    $45,513,645    $7,523,057     16.53       1,273                      
  OVER $250,000          27    $14,450,918    $4,008,221     27.74          83                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             36,810  $1,115,195,956   $91,196,032      8.18       82,529                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.2            -0.2           0.0                    0.2                     
  $     1  -  5000    10.0             0.9           0.0                    2.7                     
  $  5001 -  10000     9.9             2.4           0.7                    5.3                     
  $ 10001 -  15000    10.0             4.1           2.0                    7.4                     
  $ 15001 -  20000    11.1             6.4           4.0                    9.5                     
  $ 20001 -  25000     9.8             7.2           5.2                    9.2                     
  $ 25001 -  30000     7.8             7.1           5.7                    8.0                     
  $ 30001 -  35000     6.5             7.0           5.8                    7.4                     
  $ 35001 -  40000     6.1             7.5           6.4                    7.7                     
  $ 40001 -  45000     5.5             7.7           6.9                    7.6                     
  $ 45001 -  50000     4.7             7.4           6.9                    6.9                     
  $ 50001 -  75000    14.0            27.8          30.1                   21.3                     
  $ 75001 - 100000     3.4             9.3          13.6                    5.2                     
  $100001 - 250000     1.0             4.1           8.2                    1.5                     
  OVER $250,000        0.1             1.3           4.4                    0.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-27,237          $147                   1.90                     
  $     1  -  5000                  $2,742            $8                   0.61                     
  $  5001 -  10000                  $7,459          $180                   1.18                     
  $ 10001 -  15000                 $12,565          $486                   1.65                     
  $ 15001 -  20000                 $17,542          $884                   1.92                     
  $ 20001 -  25000                 $22,402        $1,322                   2.11                     
  $ 25001 -  30000                 $27,393        $1,801                   2.29                     
  $ 30001 -  35000                 $32,406        $2,224                   2.54                     
  $ 35001 -  40000                 $37,427        $2,630                   2.86                     
  $ 40001 -  45000                 $42,505        $3,108                   3.11                     
  $ 45001 -  50000                 $47,456        $3,619                   3.29                     
  $ 50001 -  75000                 $60,264        $5,335                   3.42                     
  $ 75001 - 100000                 $83,770       $10,048                   3.46                     
  $100001 - 250000                $125,728       $20,782                   3.52                     
  OVER $250,000                   $535,219      $148,453                   3.07                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,296        $2,477                   2.24                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   WILLARD UT                                                       
                        _________________________________________________                           
  UNDER $ 5,000         113       $200,221        $1,117      0.56          60                      
  $  5001 -  10000      100       $744,049       $19,107      2.57         109                      
  $ 10001 -  15000       90     $1,124,202       $47,647      4.24         134                      
  $ 15001 -  20000       77     $1,349,119       $60,812      4.51         150                      
  $ 20001 -  25000       79     $1,767,925       $92,092      5.21         166                      
  $ 25001 -  30000       66     $1,811,805      $124,279      6.86         141                      
  $ 30001 -  35000       60     $1,966,008      $136,445      6.94         172                      
  $ 35001 -  40000       57     $2,150,873      $174,009      8.09         146                      
  $ 40001 -  45000       26     $1,099,016       $92,146      8.38          73                      
  $ 45001 -  50000       49     $2,332,076      $184,120      7.90         159                      
  $ 50001 -  75000      167    $10,063,602      $900,162      8.94         583                      
  $ 75001 - 100000       48     $3,999,788      $508,462     12.71         170                      
  OVER $100,000          29     $5,929,231    $1,145,106     19.31          89                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                961     $34,537,915    $3,485,504     10.09        2,152                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       11.8             0.6           0.0                    2.8                     
  $  5001 -  10000    10.4             2.2           0.5                    5.1                     
  $ 10001 -  15000     9.4             3.3           1.4                    6.2                     
  $ 15001 -  20000     8.0             3.9           1.7                    7.0                     
  $ 20001 -  25000     8.2             5.1           2.6                    7.7                     
  $ 25001 -  30000     6.9             5.2           3.6                    6.6                     
  $ 30001 -  35000     6.2             5.7           3.9                    8.0                     
  $ 35001 -  40000     5.9             6.2           5.0                    6.8                     
  $ 40001 -  45000     2.7             3.2           2.6                    3.4                     
  $ 45001 -  50000     5.1             6.8           5.3                    7.4                     
  $ 50001 -  75000    17.4            29.1          25.8                   27.1                     
  $ 75001 - 100000     5.0            11.6          14.6                    7.9                     
  OVER $100,000        3.0            17.2          32.9                    4.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $1,772           $10                   0.53                     
  $  5001 -  10000                  $7,440          $191                   1.09                     
  $ 10001 -  15000                 $12,491          $529                   1.49                     
  $ 15001 -  20000                 $17,521          $790                   1.95                     
  $ 20001 -  25000                 $22,379        $1,166                   2.10                     
  $ 25001 -  30000                 $27,452        $1,883                   2.14                     
  $ 30001 -  35000                 $32,767        $2,274                   2.87                     
  $ 35001 -  40000                 $37,735        $3,053                   2.56                     
  $ 40001 -  45000                 $42,270        $3,544                   2.81                     
  $ 45001 -  50000                 $47,593        $3,758                   3.24                     
  $ 50001 -  75000                 $60,261        $5,390                   3.49                     
  $ 75001 - 100000                 $83,329       $10,593                   3.54                     
  OVER $100,000                   $204,456       $39,486                   3.07                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $35,940        $3,627                   2.24                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 1999 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
 GO TO TOC                                                                       
                                   WOODS CROSS UT                                                   
                        _________________________________________________                           
  UNDER $ 5,000         298       $656,475        $2,739      0.42         132                      
  $  5001 -  10000      219     $1,609,717       $53,206      3.31         165                      
  $ 10001 -  15000      183     $2,266,720       $98,365      4.34         267                      
  $ 15001 -  20000      185     $3,249,123      $189,922      5.85         288                      
  $ 20001 -  25000      150     $3,373,387      $233,414      6.92         273                      
  $ 25001 -  30000      128     $3,502,464      $235,199      6.72         286                      
  $ 30001 -  35000      146     $4,740,982      $334,890      7.06         364                      
  $ 35001 -  40000      134     $5,054,250      $330,940      6.55         398                      
  $ 40001 -  45000      143     $6,085,754      $421,866      6.93         460                      
  $ 45001 -  50000      145     $6,869,930      $531,060      7.73         444                      
  $ 50001 -  75000      489    $29,663,229    $2,517,614      8.49       1,748                      
  $ 75001 - 100000      158    $13,233,471    $1,541,922     11.65         537                      
  OVER $100,000          54     $9,116,978    $1,763,760     19.35         207                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,432     $89,422,480    $8,254,897      9.23        5,569                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       12.3             0.7           0.0                    2.4                     
  $  5001 -  10000     9.0             1.8           0.6                    3.0                     
  $ 10001 -  15000     7.5             2.5           1.2                    4.8                     
  $ 15001 -  20000     7.6             3.6           2.3                    5.2                     
  $ 20001 -  25000     6.2             3.8           2.8                    4.9                     
  $ 25001 -  30000     5.3             3.9           2.8                    5.1                     
  $ 30001 -  35000     6.0             5.3           4.1                    6.5                     
  $ 35001 -  40000     5.5             5.7           4.0                    7.1                     
  $ 40001 -  45000     5.9             6.8           5.1                    8.3                     
  $ 45001 -  50000     6.0             7.7           6.4                    8.0                     
  $ 50001 -  75000    20.1            33.2          30.5                   31.4                     
  $ 75001 - 100000     6.5            14.8          18.7                    9.6                     
  OVER $100,000        2.2            10.2          21.4                    3.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,203            $9                   0.44                     
  $  5001 -  10000                  $7,350          $243                   0.75                     
  $ 10001 -  15000                 $12,386          $538                   1.46                     
  $ 15001 -  20000                 $17,563        $1,027                   1.56                     
  $ 20001 -  25000                 $22,489        $1,556                   1.82                     
  $ 25001 -  30000                 $27,363        $1,837                   2.23                     
  $ 30001 -  35000                 $32,472        $2,294                   2.49                     
  $ 35001 -  40000                 $37,718        $2,470                   2.97                     
  $ 40001 -  45000                 $42,558        $2,950                   3.22                     
  $ 45001 -  50000                 $47,379        $3,662                   3.06                     
  $ 50001 -  75000                 $60,661        $5,148                   3.57                     
  $ 75001 - 100000                 $83,756        $9,759                   3.40                     
  OVER $100,000                   $168,833       $32,662                   3.83                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $36,769        $3,394                   2.29                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS