TABLE OF CONTENTS                                                   
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                                                              
EAGLE MOUNTAIN UT                                                  
EDEN UT                                                                      
EPHRAIM UT                                                                
FAIRVIEW UT                                                              
FARMINGTON UT                                                          
FARR WEST UT                                                            
FILLMORE UT                                                              
FRUIT HEIGHTS UT                                                    
GARLAND UT                                                                
GRANTSVILLE                                                              
HARRISVILLE UT                                                        
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 OGDEN UT                                                        
NORTH SALT LAKE UT                                                
OGDEN UT                                                                    
OREM UT                                                                      
OTHER TOWNS                                                              
PANGIUTCH UT                                                            
PARK CITY UT                                                            
PAROWAN UT                                                                
PAYSON UT                                                                  
PERRY UT                                                                    
PLAIN CITY UT                                                          
PLEASANT GROVE UT                                                  
PLEASANT VIEW UT                                                    
PRICE UT                                                                    
PROVIDENCE UT                                                          
PROVO UT                                                                    
RICHFIELD UT                                                            
RICHMOND UT                                                              
RIVERDALE UT                                                            
RIVERTON UT                                                              
ROOSEVELT UT                                                            
ROY UT                                                                        
SALEM UT                                                                    
SALINA UT                                                                  
SALT LAKE CITY UT                                                  
SANDY UT                                                                    
SANTA CLARA UT                                                        
SANTAQUIN UT                                                            
SARATOGA SPRINGS UT                                              
SMITHFIELD UT                                                          
SOUTH JORDAN UT                                                      
SOUTH OGDEN UT                                                        
SOUTH SALT LAKE UT                                                
SOUTH WEBER UT                                                        
SPANISH FORK UT                                                      
SPRINGVILLE UT                                                        
ST GEORGE UT                                                            
STANSBURY PARK UT                                                  
SUNSET UT                                                                  
SYRACUSE UT                                                              
TAYLORSVILLE UT                                                      
TOOELE UT                                                                  
TREMONTON UT                                                            
VERNAL UT                                                                  
WASHINGTON UT                                                          
WELLSVILLE UT                                                          
WEST BOUNTIFUL UT                                                  
WEST HAVEN UT                                                          
WEST JORDAN UT                                                        
WEST POINT UT                                                          
WEST VALLEY UT                                                        
WILLARD UT                                                                
WOODS CROSS UT                                                        
                                                                            
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   ALPINE UT                                                        
                        _________________________________________________                           
  UNDER $1               74    $-7,693,658        $1,867     -0.02         168                      
  $     1  -  5000      419     $1,016,678       $14,105      1.39         122                      
  $  5001 -  10000      310     $2,239,395       $72,461      3.24         206                      
  $ 10001 -  15000      188     $2,321,229       $74,422      3.21         261                      
  $ 15001 -  20000      160     $2,775,015       $84,553      3.05         298                      
  $ 20001 -  25000      100     $2,255,632       $81,988      3.63         238                      
  $ 25001 -  30000       86     $2,368,697      $101,136      4.27         216                      
  $ 30001 -  35000       67     $2,164,012       $81,545      3.77         196                      
  $ 35001 -  40000       78     $2,937,816      $122,568      4.17         234                      
  $ 40001 -  45000       68     $2,904,850      $150,577      5.18         215                      
  $ 45001 -  50000       56     $2,670,372      $136,439      5.11         199                      
  $ 50001 -  75000      319    $19,969,257    $1,067,518      5.35       1,281                      
  $ 75001 - 100000      267    $23,415,972    $1,660,652      7.09       1,167                      
  $100001 - 250000      434    $63,849,585    $8,155,343     12.77       2,062                      
  OVER $250,000          93    $55,056,670   $14,767,556     26.82         426                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,719    $178,251,522   $26,572,730     14.91        7,289                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             2.7            -4.3           0.0                    2.3                     
  $     1  -  5000    15.4             0.6           0.1                    1.7                     
  $  5001 -  10000    11.4             1.3           0.3                    2.8                     
  $ 10001 -  15000     6.9             1.3           0.3                    3.6                     
  $ 15001 -  20000     5.9             1.6           0.3                    4.1                     
  $ 20001 -  25000     3.7             1.3           0.3                    3.3                     
  $ 25001 -  30000     3.2             1.3           0.4                    3.0                     
  $ 30001 -  35000     2.5             1.2           0.3                    2.7                     
  $ 35001 -  40000     2.9             1.6           0.5                    3.2                     
  $ 40001 -  45000     2.5             1.6           0.6                    2.9                     
  $ 45001 -  50000     2.1             1.5           0.5                    2.7                     
  $ 50001 -  75000    11.7            11.2           4.0                   17.6                     
  $ 75001 - 100000     9.8            13.1           6.2                   16.0                     
  $100001 - 250000    16.0            35.8          30.7                   28.3                     
  OVER $250,000        3.4            30.9          55.6                    5.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-103968           $25                   2.27                     
  $     1  -  5000                  $2,426           $34                   0.29                     
  $  5001 -  10000                  $7,224          $234                   0.66                     
  $ 10001 -  15000                 $12,347          $396                   1.39                     
  $ 15001 -  20000                 $17,344          $528                   1.86                     
  $ 20001 -  25000                 $22,556          $820                   2.38                     
  $ 25001 -  30000                 $27,543        $1,176                   2.51                     
  $ 30001 -  35000                 $32,299        $1,217                   2.93                     
  $ 35001 -  40000                 $37,664        $1,571                   3.00                     
  $ 40001 -  45000                 $42,718        $2,214                   3.16                     
  $ 45001 -  50000                 $47,685        $2,436                   3.55                     
  $ 50001 -  75000                 $62,600        $3,346                   4.02                     
  $ 75001 - 100000                 $87,700        $6,220                   4.37                     
  $100001 - 250000                $147,119       $18,791                   4.75                     
  OVER $250,000                   $592,007      $158,791                   4.58                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $65,558        $9,773                   2.68                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                     
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   AMERICAN FORK UT                                                 
                        _________________________________________________                           
  UNDER $1               80    $-2,150,408        $2,301     -0.11         184                      
  $     1  -  5000      914     $2,467,224       $22,848      0.93         491                      
  $  5001 -  10000      846     $6,338,034       $91,391      1.44         872                      
  $ 10001 -  15000      758     $9,444,337      $212,174      2.25       1,251                      
  $ 15001 -  20000      675    $11,826,730      $370,040      3.13       1,302                      
  $ 20001 -  25000      572    $12,820,757      $526,445      4.11       1,198                      
  $ 25001 -  30000      544    $14,927,185      $584,346      3.91       1,403                      
  $ 30001 -  35000      504    $16,375,217      $700,295      4.28       1,409                      
  $ 35001 -  40000      470    $17,615,050      $808,319      4.59       1,407                      
  $ 40001 -  45000      425    $18,046,484      $885,265      4.91       1,363                      
  $ 45001 -  50000      352    $16,723,613      $814,571      4.87       1,224                      
  $ 50001 -  75000    1,549    $95,054,846    $5,596,500      5.89       5,923                      
  $ 75001 - 100000      655    $55,964,161    $4,539,924      8.11       2,734                      
  $100001 - 250000      396    $51,249,236    $6,760,131     13.19       1,614                      
  OVER $250,000          44    $17,510,545    $3,792,005     21.66         157                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,784    $344,213,011   $25,706,555      7.47       22,532                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.9            -0.6           0.0                    0.8                     
  $     1  -  5000    10.4             0.7           0.1                    2.2                     
  $  5001 -  10000     9.6             1.8           0.4                    3.9                     
  $ 10001 -  15000     8.6             2.7           0.8                    5.6                     
  $ 15001 -  20000     7.7             3.4           1.4                    5.8                     
  $ 20001 -  25000     6.5             3.7           2.0                    5.3                     
  $ 25001 -  30000     6.2             4.3           2.3                    6.2                     
  $ 30001 -  35000     5.7             4.8           2.7                    6.3                     
  $ 35001 -  40000     5.4             5.1           3.1                    6.2                     
  $ 40001 -  45000     4.8             5.2           3.4                    6.0                     
  $ 45001 -  50000     4.0             4.9           3.2                    5.4                     
  $ 50001 -  75000    17.6            27.6          21.8                   26.3                     
  $ 75001 - 100000     7.5            16.3          17.7                   12.1                     
  $100001 - 250000     4.5            14.9          26.3                    7.2                     
  OVER $250,000        0.5             5.1          14.8                    0.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-26,880           $29                   2.30                     
  $     1  -  5000                  $2,699           $25                   0.54                     
  $  5001 -  10000                  $7,492          $108                   1.03                     
  $ 10001 -  15000                 $12,460          $280                   1.65                     
  $ 15001 -  20000                 $17,521          $548                   1.93                     
  $ 20001 -  25000                 $22,414          $920                   2.09                     
  $ 25001 -  30000                 $27,440        $1,074                   2.58                     
  $ 30001 -  35000                 $32,491        $1,389                   2.80                     
  $ 35001 -  40000                 $37,479        $1,720                   2.99                     
  $ 40001 -  45000                 $42,462        $2,083                   3.21                     
  $ 45001 -  50000                 $47,510        $2,314                   3.48                     
  $ 50001 -  75000                 $61,365        $3,613                   3.82                     
  $ 75001 - 100000                 $85,441        $6,931                   4.17                     
  $100001 - 250000                $129,417       $17,071                   4.08                     
  OVER $250,000                   $397,967       $86,182                   3.57                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,186        $2,927                   2.57                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   BEAVER UT                                                        
                        _________________________________________________                           
  UNDER $1               21    $-1,341,369        $4,547     -0.34          45                      
  $     1  -  5000      130       $383,381          $810      0.21          51                      
  $  5001 -  10000      167     $1,237,251       $15,522      1.25         190                      
  $ 10001 -  15000      137     $1,692,561       $31,699      1.87         230                      
  $ 15001 -  20000      121     $2,120,690       $67,900      3.20         216                      
  $ 20001 -  25000       85     $1,914,324       $77,622      4.05         184                      
  $ 25001 -  30000      116     $3,183,869      $118,559      3.72         304                      
  $ 30001 -  35000       81     $2,648,225       $88,194      3.33         279                      
  $ 35001 -  40000       54     $2,029,940       $90,495      4.46         160                      
  $ 40001 -  45000       74     $3,157,245      $154,316      4.89         252                      
  $ 45001 -  50000       55     $2,603,762      $140,098      5.38         195                      
  $ 50001 -  75000      149     $9,101,775      $635,943      6.99         541                      
  $ 75001 - 100000       49     $4,133,602      $431,236     10.43         172                      
  OVER $100,000          26     $3,971,220      $678,401     17.08         106                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,265     $36,836,476    $2,535,342      6.88        2,925                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.7            -3.6           0.2                    1.5                     
  $     1  -  5000    10.3             1.0           0.0                    1.7                     
  $  5001 -  10000    13.2             3.4           0.6                    6.5                     
  $ 10001 -  15000    10.8             4.6           1.3                    7.9                     
  $ 15001 -  20000     9.6             5.8           2.7                    7.4                     
  $ 20001 -  25000     6.7             5.2           3.1                    6.3                     
  $ 25001 -  30000     9.2             8.6           4.7                   10.4                     
  $ 30001 -  35000     6.4             7.2           3.5                    9.5                     
  $ 35001 -  40000     4.3             5.5           3.6                    5.5                     
  $ 40001 -  45000     5.8             8.6           6.1                    8.6                     
  $ 45001 -  50000     4.3             7.1           5.5                    6.7                     
  $ 50001 -  75000    11.8            24.7          25.1                   18.5                     
  $ 75001 - 100000     3.9            11.2          17.0                    5.9                     
  OVER $100,000        2.1            10.8          26.8                    3.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-63,875          $217                   2.14                     
  $     1  -  5000                  $2,949            $6                   0.39                     
  $  5001 -  10000                  $7,409           $93                   1.14                     
  $ 10001 -  15000                 $12,354          $231                   1.68                     
  $ 15001 -  20000                 $17,526          $561                   1.79                     
  $ 20001 -  25000                 $22,521          $913                   2.16                     
  $ 25001 -  30000                 $27,447        $1,022                   2.62                     
  $ 30001 -  35000                 $32,694        $1,089                   3.44                     
  $ 35001 -  40000                 $37,591        $1,676                   2.96                     
  $ 40001 -  45000                 $42,665        $2,085                   3.41                     
  $ 45001 -  50000                 $47,341        $2,547                   3.55                     
  $ 50001 -  75000                 $61,086        $4,268                   3.63                     
  $ 75001 - 100000                 $84,359        $8,801                   3.51                     
  OVER $100,000                   $152,739       $26,092                   4.08                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $29,120        $2,004                   2.31                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   BLANDING UT                                                      
                        _________________________________________________                           
  UNDER $1               15    $-1,488,281            $0      0.00          27                      
  $     1  -  5000      174       $466,854        $3,516      0.75         125                      
  $  5001 -  10000      149     $1,114,271       $10,739      0.96         200                      
  $ 10001 -  15000      108     $1,353,898       $23,015      1.70         225                      
  $ 15001 -  20000       95     $1,663,170       $40,688      2.45         248                      
  $ 20001 -  25000       82     $1,841,653       $50,212      2.73         237                      
  $ 25001 -  30000       70     $1,921,730       $49,772      2.59         250                      
  $ 30001 -  35000       65     $2,107,251       $79,397      3.77         215                      
  $ 35001 -  40000       54     $2,030,212       $74,511      3.67         204                      
  $ 40001 -  45000       57     $2,421,254      $108,199      4.47         210                      
  $ 45001 -  50000       55     $2,611,995      $154,251      5.91         180                      
  $ 50001 -  75000      160     $9,688,764      $570,536      5.89         658                      
  $ 75001 - 100000       64     $5,437,650      $588,423     10.82         208                      
  OVER $100,000          21     $2,740,702      $397,828     14.52          86                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,169     $33,911,123    $2,151,087      6.34        3,073                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.3            -4.4           0.0                    0.9                     
  $     1  -  5000    14.9             1.4           0.2                    4.1                     
  $  5001 -  10000    12.7             3.3           0.5                    6.5                     
  $ 10001 -  15000     9.2             4.0           1.1                    7.3                     
  $ 15001 -  20000     8.1             4.9           1.9                    8.1                     
  $ 20001 -  25000     7.0             5.4           2.3                    7.7                     
  $ 25001 -  30000     6.0             5.7           2.3                    8.1                     
  $ 30001 -  35000     5.6             6.2           3.7                    7.0                     
  $ 35001 -  40000     4.6             6.0           3.5                    6.6                     
  $ 40001 -  45000     4.9             7.1           5.0                    6.8                     
  $ 45001 -  50000     4.7             7.7           7.2                    5.9                     
  $ 50001 -  75000    13.7            28.6          26.5                   21.4                     
  $ 75001 - 100000     5.5            16.0          27.4                    6.8                     
  OVER $100,000        1.8             8.1          18.5                    2.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-99,219            $0                   1.80                     
  $     1  -  5000                  $2,683           $20                   0.72                     
  $  5001 -  10000                  $7,478           $72                   1.34                     
  $ 10001 -  15000                 $12,536          $213                   2.08                     
  $ 15001 -  20000                 $17,507          $428                   2.61                     
  $ 20001 -  25000                 $22,459          $612                   2.89                     
  $ 25001 -  30000                 $27,453          $711                   3.57                     
  $ 30001 -  35000                 $32,419        $1,221                   3.31                     
  $ 35001 -  40000                 $37,597        $1,380                   3.78                     
  $ 40001 -  45000                 $42,478        $1,898                   3.68                     
  $ 45001 -  50000                 $47,491        $2,805                   3.27                     
  $ 50001 -  75000                 $60,555        $3,566                   4.11                     
  $ 75001 - 100000                 $84,963        $9,194                   3.25                     
  OVER $100,000                   $130,510       $18,944                   4.10                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $29,009        $1,840                   2.63                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   BLUFFDALE UT                                                     
                        _________________________________________________                           
  UNDER $1               30    $-1,091,466            $0      0.00          61                      
  $     1  -  5000      189       $515,517        $2,504      0.49          77                      
  $  5001 -  10000      174     $1,274,170       $25,748      2.02         139                      
  $ 10001 -  15000      112     $1,403,747       $41,516      2.96         154                      
  $ 15001 -  20000      114     $2,010,554       $76,360      3.80         204                      
  $ 20001 -  25000       84     $1,900,000       $96,771      5.09         174                      
  $ 25001 -  30000       74     $2,016,116      $113,008      5.61         173                      
  $ 30001 -  35000       61     $1,981,513       $94,220      4.75         156                      
  $ 35001 -  40000       64     $2,397,967      $110,217      4.60         204                      
  $ 40001 -  45000       48     $2,023,394       $89,937      4.44         167                      
  $ 45001 -  50000       40     $1,898,385       $94,479      4.98         134                      
  $ 50001 -  75000      230    $14,334,926      $767,248      5.35         918                      
  $ 75001 - 100000      185    $16,034,977    $1,326,300      8.27         749                      
  $100001 - 250000      156    $20,828,782    $2,816,107     13.52         626                      
  OVER $250,000          10     $4,450,378    $1,129,160     25.37          35                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,571     $71,978,960    $6,783,575      9.42        3,971                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.9            -1.5           0.0                    1.5                     
  $     1  -  5000    12.0             0.7           0.0                    1.9                     
  $  5001 -  10000    11.1             1.8           0.4                    3.5                     
  $ 10001 -  15000     7.1             2.0           0.6                    3.9                     
  $ 15001 -  20000     7.3             2.8           1.1                    5.1                     
  $ 20001 -  25000     5.3             2.6           1.4                    4.4                     
  $ 25001 -  30000     4.7             2.8           1.7                    4.4                     
  $ 30001 -  35000     3.9             2.8           1.4                    3.9                     
  $ 35001 -  40000     4.1             3.3           1.6                    5.1                     
  $ 40001 -  45000     3.1             2.8           1.3                    4.2                     
  $ 45001 -  50000     2.5             2.6           1.4                    3.4                     
  $ 50001 -  75000    14.6            19.9          11.3                   23.1                     
  $ 75001 - 100000    11.8            22.3          19.6                   18.9                     
  $100001 - 250000     9.9            28.9          41.5                   15.8                     
  OVER $250,000        0.6             6.2          16.6                    0.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-36,382            $0                   2.03                     
  $     1  -  5000                  $2,728           $13                   0.41                     
  $  5001 -  10000                  $7,323          $148                   0.80                     
  $ 10001 -  15000                 $12,533          $371                   1.38                     
  $ 15001 -  20000                 $17,636          $670                   1.79                     
  $ 20001 -  25000                 $22,619        $1,152                   2.07                     
  $ 25001 -  30000                 $27,245        $1,527                   2.34                     
  $ 30001 -  35000                 $32,484        $1,545                   2.56                     
  $ 35001 -  40000                 $37,468        $1,722                   3.19                     
  $ 40001 -  45000                 $42,154        $1,874                   3.48                     
  $ 45001 -  50000                 $47,460        $2,362                   3.35                     
  $ 50001 -  75000                 $62,326        $3,336                   3.99                     
  $ 75001 - 100000                 $86,676        $7,169                   4.05                     
  $100001 - 250000                $133,518       $18,052                   4.01                     
  OVER $250,000                   $445,038      $112,916                   3.50                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $45,817        $4,318                   2.53                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   BOUNTIFUL UT                                                     
                        _________________________________________________                           
  UNDER $1              175   $-11,335,402        $8,086     -0.07         265                      
  $     1  -  5000    1,979     $5,107,032       $23,102      0.45         916                      
  $  5001 -  10000    1,684    $12,486,977      $201,388      1.61       1,501                      
  $ 10001 -  15000    1,465    $18,384,054      $463,049      2.52       2,015                      
  $ 15001 -  20000    1,339    $23,517,377      $840,120      3.57       2,214                      
  $ 20001 -  25000    1,272    $28,511,120    $1,239,827      4.35       2,398                      
  $ 25001 -  30000    1,082    $29,773,046    $1,533,995      5.15       2,214                      
  $ 30001 -  35000      956    $31,009,758    $1,730,570      5.58       2,025                      
  $ 35001 -  40000      954    $35,749,083    $2,104,931      5.89       2,238                      
  $ 40001 -  45000      788    $33,401,968    $2,267,728      6.79       1,902                      
  $ 45001 -  50000      736    $34,936,675    $2,488,121      7.12       1,940                      
  $ 50001 -  75000    2,573   $157,636,828   $12,185,038      7.73       7,702                      
  $ 75001 - 100000    1,505   $129,382,841   $12,667,222      9.79       5,015                      
  $100001 - 250000    1,477   $203,229,104   $29,760,657     14.64       5,153                      
  OVER $250,000         245   $150,697,810   $41,218,778     27.35         845                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             18,230    $882,488,271  $108,732,612     12.32       38,343                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.0            -1.3           0.0                    0.7                     
  $     1  -  5000    10.9             0.6           0.0                    2.4                     
  $  5001 -  10000     9.2             1.4           0.2                    3.9                     
  $ 10001 -  15000     8.0             2.1           0.4                    5.3                     
  $ 15001 -  20000     7.3             2.7           0.8                    5.8                     
  $ 20001 -  25000     7.0             3.2           1.1                    6.3                     
  $ 25001 -  30000     5.9             3.4           1.4                    5.8                     
  $ 30001 -  35000     5.2             3.5           1.6                    5.3                     
  $ 35001 -  40000     5.2             4.1           1.9                    5.8                     
  $ 40001 -  45000     4.3             3.8           2.1                    5.0                     
  $ 45001 -  50000     4.0             4.0           2.3                    5.1                     
  $ 50001 -  75000    14.1            17.9          11.2                   20.1                     
  $ 75001 - 100000     8.3            14.7          11.6                   13.1                     
  $100001 - 250000     8.1            23.0          27.4                   13.4                     
  OVER $250,000        1.3            17.1          37.9                    2.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-64,774           $46                   1.51                     
  $     1  -  5000                  $2,581           $12                   0.46                     
  $  5001 -  10000                  $7,415          $120                   0.89                     
  $ 10001 -  15000                 $12,549          $316                   1.38                     
  $ 15001 -  20000                 $17,563          $627                   1.65                     
  $ 20001 -  25000                 $22,414          $975                   1.89                     
  $ 25001 -  30000                 $27,517        $1,418                   2.05                     
  $ 30001 -  35000                 $32,437        $1,810                   2.12                     
  $ 35001 -  40000                 $37,473        $2,206                   2.35                     
  $ 40001 -  45000                 $42,388        $2,878                   2.41                     
  $ 45001 -  50000                 $47,468        $3,381                   2.64                     
  $ 50001 -  75000                 $61,266        $4,736                   2.99                     
  $ 75001 - 100000                 $85,969        $8,417                   3.33                     
  $100001 - 250000                $137,596       $20,149                   3.49                     
  OVER $250,000                   $615,093      $168,240                   3.45                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $48,409        $5,964                   2.10                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                      
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   BRIGHAM CITY UT                                                  
                        _________________________________________________                           
  UNDER $1               40      $-982,609          $274     -0.03          87                      
  $     1  -  5000      860     $2,451,207        $5,113      0.21         392                      
  $  5001 -  10000      768     $5,714,793       $85,298      1.49         795                      
  $ 10001 -  15000      630     $7,827,260      $188,319      2.41         997                      
  $ 15001 -  20000      600    $10,486,250      $338,069      3.22       1,118                      
  $ 20001 -  25000      555    $12,482,514      $520,294      4.17       1,158                      
  $ 25001 -  30000      544    $14,953,811      $704,940      4.71       1,258                      
  $ 30001 -  35000      457    $14,771,705      $760,341      5.15       1,138                      
  $ 35001 -  40000      434    $16,277,098      $903,579      5.55       1,192                      
  $ 40001 -  45000      365    $15,506,182      $831,847      5.36       1,156                      
  $ 45001 -  50000      322    $15,299,904      $927,135      6.06       1,054                      
  $ 50001 -  75000    1,267    $77,678,292    $5,773,781      7.43       4,327                      
  $ 75001 - 100000      545    $46,413,402    $4,607,204      9.93       1,984                      
  $100001 - 250000      242    $30,862,268    $4,637,076     15.03         841                      
  OVER $250,000          14     $5,167,000    $1,346,421     26.06          47                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              7,643    $274,909,077   $21,629,691      7.87       17,544                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.5            -0.4           0.0                    0.5                     
  $     1  -  5000    11.3             0.9           0.0                    2.2                     
  $  5001 -  10000    10.0             2.1           0.4                    4.5                     
  $ 10001 -  15000     8.2             2.8           0.9                    5.7                     
  $ 15001 -  20000     7.9             3.8           1.6                    6.4                     
  $ 20001 -  25000     7.3             4.5           2.4                    6.6                     
  $ 25001 -  30000     7.1             5.4           3.3                    7.2                     
  $ 30001 -  35000     6.0             5.4           3.5                    6.5                     
  $ 35001 -  40000     5.7             5.9           4.2                    6.8                     
  $ 40001 -  45000     4.8             5.6           3.8                    6.6                     
  $ 45001 -  50000     4.2             5.6           4.3                    6.0                     
  $ 50001 -  75000    16.6            28.3          26.7                   24.7                     
  $ 75001 - 100000     7.1            16.9          21.3                   11.3                     
  $100001 - 250000     3.2            11.2          21.4                    4.8                     
  OVER $250,000        0.2             1.9           6.2                    0.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-24,565            $7                   2.18                     
  $     1  -  5000                  $2,850            $6                   0.46                     
  $  5001 -  10000                  $7,441          $111                   1.04                     
  $ 10001 -  15000                 $12,424          $299                   1.58                     
  $ 15001 -  20000                 $17,477          $563                   1.86                     
  $ 20001 -  25000                 $22,491          $937                   2.09                     
  $ 25001 -  30000                 $27,489        $1,296                   2.31                     
  $ 30001 -  35000                 $32,323        $1,664                   2.49                     
  $ 35001 -  40000                 $37,505        $2,082                   2.75                     
  $ 40001 -  45000                 $42,483        $2,279                   3.17                     
  $ 45001 -  50000                 $47,515        $2,879                   3.27                     
  $ 50001 -  75000                 $61,309        $4,557                   3.42                     
  $ 75001 - 100000                 $85,162        $8,454                   3.64                     
  $100001 - 250000                $127,530       $19,161                   3.48                     
  OVER $250,000                   $369,071       $96,173                   3.36                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $35,969        $2,830                   2.30                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   CEDAR CITY UT                                                    
                        _________________________________________________                           
  UNDER $1               92    $-1,554,764        $1,580     -0.10         182                      
  $     1  -  5000    1,221     $3,290,758        $3,897      0.12         879                      
  $  5001 -  10000    1,267     $9,397,231      $111,523      1.19       1,565                      
  $ 10001 -  15000    1,139    $14,132,501      $279,192      1.98       2,029                      
  $ 15001 -  20000      966    $16,879,589      $459,390      2.72       2,051                      
  $ 20001 -  25000      758    $16,947,063      $553,278      3.26       1,830                      
  $ 25001 -  30000      598    $16,405,808      $682,148      4.16       1,453                      
  $ 30001 -  35000      532    $17,225,165      $752,652      4.37       1,489                      
  $ 35001 -  40000      480    $17,995,737      $878,221      4.88       1,440                      
  $ 40001 -  45000      392    $16,656,497      $975,389      5.86       1,132                      
  $ 45001 -  50000      386    $18,314,081    $1,095,365      5.98       1,206                      
  $ 50001 -  75000    1,218    $74,487,525    $5,275,828      7.08       4,171                      
  $ 75001 - 100000      512    $43,679,288    $4,553,453     10.42       1,650                      
  $100001 - 250000      288    $38,354,952    $5,573,893     14.53       1,009                      
  OVER $250,000          32    $13,659,435    $3,311,069     24.24         114                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              9,881    $315,870,866   $24,506,878      7.76       22,200                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.9            -0.5           0.0                    0.8                     
  $     1  -  5000    12.4             1.0           0.0                    4.0                     
  $  5001 -  10000    12.8             3.0           0.5                    7.0                     
  $ 10001 -  15000    11.5             4.5           1.1                    9.1                     
  $ 15001 -  20000     9.8             5.3           1.9                    9.2                     
  $ 20001 -  25000     7.7             5.4           2.3                    8.2                     
  $ 25001 -  30000     6.1             5.2           2.8                    6.5                     
  $ 30001 -  35000     5.4             5.5           3.1                    6.7                     
  $ 35001 -  40000     4.9             5.7           3.6                    6.5                     
  $ 40001 -  45000     4.0             5.3           4.0                    5.1                     
  $ 45001 -  50000     3.9             5.8           4.5                    5.4                     
  $ 50001 -  75000    12.3            23.6          21.5                   18.8                     
  $ 75001 - 100000     5.2            13.8          18.6                    7.4                     
  $100001 - 250000     2.9            12.1          22.7                    4.5                     
  OVER $250,000        0.3             4.3          13.5                    0.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-16,900           $17                   1.98                     
  $     1  -  5000                  $2,695            $3                   0.72                     
  $  5001 -  10000                  $7,417           $88                   1.24                     
  $ 10001 -  15000                 $12,408          $245                   1.78                     
  $ 15001 -  20000                 $17,474          $476                   2.12                     
  $ 20001 -  25000                 $22,358          $730                   2.41                     
  $ 25001 -  30000                 $27,434        $1,141                   2.43                     
  $ 30001 -  35000                 $32,378        $1,415                   2.80                     
  $ 35001 -  40000                 $37,491        $1,830                   3.00                     
  $ 40001 -  45000                 $42,491        $2,488                   2.89                     
  $ 45001 -  50000                 $47,446        $2,838                   3.12                     
  $ 50001 -  75000                 $61,156        $4,332                   3.42                     
  $ 75001 - 100000                 $85,311        $8,893                   3.22                     
  $100001 - 250000                $133,177       $19,354                   3.50                     
  OVER $250,000                   $426,857      $103,471                   3.56                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $31,967        $2,480                   2.25                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   CEDAR HILLS UT                                                   
                        _________________________________________________                           
  UNDER $1               25      $-472,432           $26     -0.01          64                      
  $     1  -  5000      158       $403,796        $2,567      0.64          81                      
  $  5001 -  10000      118       $849,716       $15,875      1.87         101                      
  $ 10001 -  15000       85     $1,036,950       $28,376      2.74         128                      
  $ 15001 -  20000       72     $1,247,420       $51,040      4.09         136                      
  $ 20001 -  25000       63     $1,423,285       $49,969      3.51         156                      
  $ 25001 -  30000       43     $1,169,697       $39,433      3.37         124                      
  $ 30001 -  35000       41     $1,329,275       $52,104      3.92         122                      
  $ 35001 -  40000       34     $1,280,741       $31,578      2.47         110                      
  $ 40001 -  45000       47     $2,008,401       $49,157      2.45         196                      
  $ 45001 -  50000       60     $2,832,726       $80,512      2.84         257                      
  $ 50001 -  75000      296    $18,606,447      $813,521      4.37       1,291                      
  $ 75001 - 100000      234    $20,119,914    $1,238,678      6.16       1,065                      
  $100001 - 250000      169    $21,856,079    $2,593,178     11.86         762                      
  OVER $250,000          15     $7,777,325    $1,805,050     23.21          70                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,460     $81,469,340    $6,851,064      8.41        4,663                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.7            -0.6           0.0                    1.4                     
  $     1  -  5000    10.8             0.5           0.0                    1.7                     
  $  5001 -  10000     8.1             1.0           0.2                    2.2                     
  $ 10001 -  15000     5.8             1.3           0.4                    2.7                     
  $ 15001 -  20000     4.9             1.5           0.7                    2.9                     
  $ 20001 -  25000     4.3             1.7           0.7                    3.3                     
  $ 25001 -  30000     2.9             1.4           0.6                    2.7                     
  $ 30001 -  35000     2.8             1.6           0.8                    2.6                     
  $ 35001 -  40000     2.3             1.6           0.5                    2.4                     
  $ 40001 -  45000     3.2             2.5           0.7                    4.2                     
  $ 45001 -  50000     4.1             3.5           1.2                    5.5                     
  $ 50001 -  75000    20.3            22.8          11.9                   27.7                     
  $ 75001 - 100000    16.0            24.7          18.1                   22.8                     
  $100001 - 250000    11.6            26.8          37.9                   16.3                     
  OVER $250,000        1.0             9.5          26.3                    1.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-18,897            $1                   2.56                     
  $     1  -  5000                  $2,556           $16                   0.51                     
  $  5001 -  10000                  $7,201          $135                   0.86                     
  $ 10001 -  15000                 $12,199          $334                   1.51                     
  $ 15001 -  20000                 $17,325          $709                   1.89                     
  $ 20001 -  25000                 $22,592          $793                   2.48                     
  $ 25001 -  30000                 $27,202          $917                   2.88                     
  $ 30001 -  35000                 $32,421        $1,271                   2.98                     
  $ 35001 -  40000                 $37,669          $929                   3.24                     
  $ 40001 -  45000                 $42,732        $1,046                   4.17                     
  $ 45001 -  50000                 $47,212        $1,342                   4.28                     
  $ 50001 -  75000                 $62,860        $2,748                   4.36                     
  $ 75001 - 100000                 $85,983        $5,293                   4.55                     
  $100001 - 250000                $129,326       $15,344                   4.51                     
  OVER $250,000                   $518,488      $120,337                   4.67                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $55,801        $4,693                   3.19                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   CENTERVILLE UT                                                   
                        _________________________________________________                           
  UNDER $1               34      $-342,643        $6,326     -1.85          67                      
  $     1  -  5000      855     $2,224,357       $14,000      0.63         255                      
  $  5001 -  10000      643     $4,714,578       $95,679      2.03         399                      
  $ 10001 -  15000      467     $5,784,415      $180,592      3.12         526                      
  $ 15001 -  20000      404     $7,065,223      $285,157      4.04         580                      
  $ 20001 -  25000      308     $6,913,678      $366,342      5.30         507                      
  $ 25001 -  30000      277     $7,587,931      $404,627      5.33         520                      
  $ 30001 -  35000      245     $7,937,747      $408,764      5.15         585                      
  $ 35001 -  40000      229     $8,567,384      $507,627      5.93         565                      
  $ 40001 -  45000      217     $9,233,297      $576,681      6.25         565                      
  $ 45001 -  50000      233    $11,078,480      $672,996      6.07         651                      
  $ 50001 -  75000      958    $60,082,907    $4,188,421      6.97       3,270                      
  $ 75001 - 100000      708    $61,438,622    $5,421,018      8.82       2,736                      
  $100001 - 250000      637    $85,890,542   $12,333,470     14.36       2,447                      
  OVER $250,000          66    $40,184,442   $10,323,973     25.69         297                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              6,281    $318,360,960   $35,785,673     11.24       13,970                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.5            -0.1           0.0                    0.5                     
  $     1  -  5000    13.6             0.7           0.0                    1.8                     
  $  5001 -  10000    10.2             1.5           0.3                    2.9                     
  $ 10001 -  15000     7.4             1.8           0.5                    3.8                     
  $ 15001 -  20000     6.4             2.2           0.8                    4.2                     
  $ 20001 -  25000     4.9             2.2           1.0                    3.6                     
  $ 25001 -  30000     4.4             2.4           1.1                    3.7                     
  $ 30001 -  35000     3.9             2.5           1.1                    4.2                     
  $ 35001 -  40000     3.6             2.7           1.4                    4.0                     
  $ 40001 -  45000     3.5             2.9           1.6                    4.0                     
  $ 45001 -  50000     3.7             3.5           1.9                    4.7                     
  $ 50001 -  75000    15.3            18.9          11.7                   23.4                     
  $ 75001 - 100000    11.3            19.3          15.1                   19.6                     
  $100001 - 250000    10.1            27.0          34.5                   17.5                     
  OVER $250,000        1.1            12.6          28.8                    2.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-10,078          $186                   1.97                     
  $     1  -  5000                  $2,602           $16                   0.30                     
  $  5001 -  10000                  $7,332          $149                   0.62                     
  $ 10001 -  15000                 $12,386          $387                   1.13                     
  $ 15001 -  20000                 $17,488          $706                   1.44                     
  $ 20001 -  25000                 $22,447        $1,189                   1.65                     
  $ 25001 -  30000                 $27,393        $1,461                   1.88                     
  $ 30001 -  35000                 $32,399        $1,668                   2.39                     
  $ 35001 -  40000                 $37,412        $2,217                   2.47                     
  $ 40001 -  45000                 $42,550        $2,658                   2.60                     
  $ 45001 -  50000                 $47,547        $2,888                   2.79                     
  $ 50001 -  75000                 $62,717        $4,372                   3.41                     
  $ 75001 - 100000                 $86,778        $7,657                   3.86                     
  $100001 - 250000                $134,836       $19,362                   3.84                     
  OVER $250,000                   $608,855      $156,424                   4.50                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $50,686        $5,697                   2.22                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   CLEARFIELD UT                                                    
                        _________________________________________________                           
  UNDER $1               36    $-1,052,876            $0      0.00          60                      
  $     1  -  5000      926     $2,567,472        $2,064      0.08         759                      
  $  5001 -  10000      914     $6,921,411       $92,235      1.33       1,151                      
  $ 10001 -  15000      964    $12,044,196      $278,266      2.31       1,592                      
  $ 15001 -  20000    1,021    $17,746,412      $646,065      3.64       1,814                      
  $ 20001 -  25000      964    $21,629,047      $912,496      4.22       1,970                      
  $ 25001 -  30000      824    $22,656,377    $1,115,993      4.93       1,874                      
  $ 30001 -  35000      742    $24,178,964    $1,286,960      5.32       1,813                      
  $ 35001 -  40000      661    $24,760,522    $1,378,823      5.57       1,752                      
  $ 40001 -  45000      619    $26,287,658    $1,663,925      6.33       1,662                      
  $ 45001 -  50000      519    $24,653,489    $1,554,894      6.31       1,581                      
  $ 50001 -  75000    1,729   $104,236,139    $8,015,072      7.69       5,528                      
  $ 75001 - 100000      572    $48,233,406    $5,190,043     10.76       1,851                      
  OVER $100,000         192    $24,162,176    $3,775,083     15.62         573                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             10,683    $359,024,393   $25,911,919      7.22       23,980                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.3            -0.3           0.0                    0.3                     
  $     1  -  5000     8.7             0.7           0.0                    3.2                     
  $  5001 -  10000     8.6             1.9           0.4                    4.8                     
  $ 10001 -  15000     9.0             3.4           1.1                    6.6                     
  $ 15001 -  20000     9.6             4.9           2.5                    7.6                     
  $ 20001 -  25000     9.0             6.0           3.5                    8.2                     
  $ 25001 -  30000     7.7             6.3           4.3                    7.8                     
  $ 30001 -  35000     6.9             6.7           5.0                    7.6                     
  $ 35001 -  40000     6.2             6.9           5.3                    7.3                     
  $ 40001 -  45000     5.8             7.3           6.4                    6.9                     
  $ 45001 -  50000     4.9             6.9           6.0                    6.6                     
  $ 50001 -  75000    16.2            29.0          30.9                   23.1                     
  $ 75001 - 100000     5.4            13.4          20.0                    7.7                     
  OVER $100,000        1.8             6.7          14.6                    2.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-29,247            $0                   1.67                     
  $     1  -  5000                  $2,773            $2                   0.82                     
  $  5001 -  10000                  $7,573          $101                   1.26                     
  $ 10001 -  15000                 $12,494          $289                   1.65                     
  $ 15001 -  20000                 $17,381          $633                   1.78                     
  $ 20001 -  25000                 $22,437          $947                   2.04                     
  $ 25001 -  30000                 $27,496        $1,354                   2.27                     
  $ 30001 -  35000                 $32,586        $1,734                   2.44                     
  $ 35001 -  40000                 $37,459        $2,086                   2.65                     
  $ 40001 -  45000                 $42,468        $2,688                   2.68                     
  $ 45001 -  50000                 $47,502        $2,996                   3.05                     
  $ 50001 -  75000                 $60,287        $4,636                   3.20                     
  $ 75001 - 100000                 $84,324        $9,074                   3.24                     
  OVER $100,000                   $125,845       $19,662                   2.98                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $33,607        $2,426                   2.24                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   CLINTON UT                                                       
                        _________________________________________________                           
  UNDER $1               12      $-204,991            $0      0.00          22                      
  $     1  -  5000      437     $1,131,671        $2,200      0.19         187                      
  $  5001 -  10000      419     $3,086,590       $59,601      1.93         294                      
  $ 10001 -  15000      333     $4,167,327      $124,561      2.99         449                      
  $ 15001 -  20000      330     $5,784,711      $214,113      3.70         555                      
  $ 20001 -  25000      317     $7,149,984      $301,697      4.22         662                      
  $ 25001 -  30000      292     $7,994,288      $349,872      4.38         687                      
  $ 30001 -  35000      282     $9,177,837      $383,652      4.18         773                      
  $ 35001 -  40000      320    $12,000,525      $572,514      4.77         916                      
  $ 40001 -  45000      325    $13,806,662      $629,938      4.56       1,071                      
  $ 45001 -  50000      325    $15,502,176      $801,680      5.17       1,081                      
  $ 50001 -  75000    1,253    $76,549,370    $5,141,471      6.72       4,420                      
  $ 75001 - 100000      490    $41,576,774    $4,145,326      9.97       1,706                      
  OVER $100,000         163    $20,549,608    $3,089,430     15.03         552                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              5,298    $218,272,532   $15,816,055      7.25       13,375                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.2            -0.1           0.0                    0.2                     
  $     1  -  5000     8.2             0.5           0.0                    1.4                     
  $  5001 -  10000     7.9             1.4           0.4                    2.2                     
  $ 10001 -  15000     6.3             1.9           0.8                    3.4                     
  $ 15001 -  20000     6.2             2.7           1.4                    4.1                     
  $ 20001 -  25000     6.0             3.3           1.9                    4.9                     
  $ 25001 -  30000     5.5             3.7           2.2                    5.1                     
  $ 30001 -  35000     5.3             4.2           2.4                    5.8                     
  $ 35001 -  40000     6.0             5.5           3.6                    6.8                     
  $ 40001 -  45000     6.1             6.3           4.0                    8.0                     
  $ 45001 -  50000     6.1             7.1           5.1                    8.1                     
  $ 50001 -  75000    23.7            35.1          32.5                   33.0                     
  $ 75001 - 100000     9.2            19.0          26.2                   12.8                     
  OVER $100,000        3.1             9.4          19.5                    4.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-17,083            $0                   1.83                     
  $     1  -  5000                  $2,590            $5                   0.43                     
  $  5001 -  10000                  $7,367          $142                   0.70                     
  $ 10001 -  15000                 $12,514          $374                   1.35                     
  $ 15001 -  20000                 $17,529          $649                   1.68                     
  $ 20001 -  25000                 $22,555          $952                   2.09                     
  $ 25001 -  30000                 $27,378        $1,198                   2.35                     
  $ 30001 -  35000                 $32,546        $1,360                   2.74                     
  $ 35001 -  40000                 $37,502        $1,789                   2.86                     
  $ 40001 -  45000                 $42,482        $1,938                   3.30                     
  $ 45001 -  50000                 $47,699        $2,467                   3.33                     
  $ 50001 -  75000                 $61,093        $4,103                   3.53                     
  $ 75001 - 100000                 $84,851        $8,460                   3.48                     
  OVER $100,000                   $126,071       $18,954                   3.39                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $41,199        $2,985                   2.52                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   COALVILLE UT                                                     
                        _________________________________________________                           
  UNDER $1               20      $-768,438          $533     -0.07          48                      
  $     1  -  5000      104       $313,507          $863      0.28          29                      
  $  5001 -  10000      100       $743,739       $10,585      1.42          87                      
  $ 10001 -  15000       82     $1,014,554       $21,332      2.10         130                      
  $ 15001 -  20000       59     $1,032,461       $31,940      3.09         106                      
  $ 20001 -  25000       71     $1,600,124       $78,552      4.91         127                      
  $ 25001 -  30000       72     $1,981,570      $103,518      5.22         162                      
  $ 30001 -  35000       70     $2,286,958      $107,816      4.71         192                      
  $ 35001 -  40000       62     $2,326,388      $118,757      5.10         176                      
  $ 40001 -  45000       50     $2,136,575       $94,745      4.43         171                      
  $ 45001 -  50000       48     $2,273,287      $123,034      5.41         155                      
  $ 50001 -  75000      173    $10,615,085      $780,852      7.36         576                      
  $ 75001 - 100000       82     $6,982,235      $707,273     10.13         278                      
  OVER $100,000          40     $6,489,799    $1,150,112     17.72         125                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,033     $39,027,844    $3,329,912      8.53        2,362                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.9            -2.0           0.0                    2.0                     
  $     1  -  5000    10.1             0.8           0.0                    1.2                     
  $  5001 -  10000     9.7             1.9           0.3                    3.7                     
  $ 10001 -  15000     7.9             2.6           0.6                    5.5                     
  $ 15001 -  20000     5.7             2.6           1.0                    4.5                     
  $ 20001 -  25000     6.9             4.1           2.4                    5.4                     
  $ 25001 -  30000     7.0             5.1           3.1                    6.9                     
  $ 30001 -  35000     6.8             5.9           3.2                    8.1                     
  $ 35001 -  40000     6.0             6.0           3.6                    7.5                     
  $ 40001 -  45000     4.8             5.5           2.8                    7.2                     
  $ 45001 -  50000     4.6             5.8           3.7                    6.6                     
  $ 50001 -  75000    16.7            27.2          23.4                   24.4                     
  $ 75001 - 100000     7.9            17.9          21.2                   11.8                     
  OVER $100,000        3.9            16.6          34.5                    5.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-38,422           $27                   2.40                     
  $     1  -  5000                  $3,014            $8                   0.28                     
  $  5001 -  10000                  $7,437          $106                   0.87                     
  $ 10001 -  15000                 $12,373          $260                   1.59                     
  $ 15001 -  20000                 $17,499          $541                   1.80                     
  $ 20001 -  25000                 $22,537        $1,106                   1.79                     
  $ 25001 -  30000                 $27,522        $1,438                   2.25                     
  $ 30001 -  35000                 $32,671        $1,540                   2.74                     
  $ 35001 -  40000                 $37,522        $1,915                   2.84                     
  $ 40001 -  45000                 $42,732        $1,895                   3.42                     
  $ 45001 -  50000                 $47,360        $2,563                   3.23                     
  $ 50001 -  75000                 $61,359        $4,514                   3.33                     
  $ 75001 - 100000                 $85,149        $8,625                   3.39                     
  OVER $100,000                   $162,245       $28,753                   3.13                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $37,781        $3,224                   2.29                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   DELTA UT                                                         
                        _________________________________________________                           
  UNDER $1               44    $-6,786,606          $527     -0.01         108                      
  $     1  -  5000      216       $597,179        $2,113      0.35         108                      
  $  5001 -  10000      246     $1,843,652       $43,112      2.34         269                      
  $ 10001 -  15000      206     $2,585,434       $48,540      1.88         383                      
  $ 15001 -  20000      131     $2,302,905       $64,123      2.78         298                      
  $ 20001 -  25000      121     $2,719,382       $70,385      2.59         344                      
  $ 25001 -  30000      116     $3,181,135      $102,964      3.24         356                      
  $ 30001 -  35000      100     $3,244,656      $110,825      3.42         303                      
  $ 35001 -  40000       81     $3,037,365      $111,221      3.66         286                      
  $ 40001 -  45000       63     $2,665,242      $127,525      4.78         229                      
  $ 45001 -  50000       71     $3,375,034      $182,936      5.42         262                      
  $ 50001 -  75000      283    $17,876,477    $1,282,058      7.17       1,083                      
  $ 75001 - 100000      142    $12,114,730    $1,180,270      9.74         585                      
  OVER $100,000          47     $6,064,680      $869,779     14.34         185                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,867     $54,821,265    $4,196,378      7.65        4,799                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             2.4           -12.4           0.0                    2.3                     
  $     1  -  5000    11.6             1.1           0.1                    2.3                     
  $  5001 -  10000    13.2             3.4           1.0                    5.6                     
  $ 10001 -  15000    11.0             4.7           1.2                    8.0                     
  $ 15001 -  20000     7.0             4.2           1.5                    6.2                     
  $ 20001 -  25000     6.5             5.0           1.7                    7.2                     
  $ 25001 -  30000     6.2             5.8           2.5                    7.4                     
  $ 30001 -  35000     5.4             5.9           2.6                    6.3                     
  $ 35001 -  40000     4.3             5.5           2.7                    6.0                     
  $ 40001 -  45000     3.4             4.9           3.0                    4.8                     
  $ 45001 -  50000     3.8             6.2           4.4                    5.5                     
  $ 50001 -  75000    15.2            32.6          30.6                   22.6                     
  $ 75001 - 100000     7.6            22.1          28.1                   12.2                     
  OVER $100,000        2.5            11.1          20.7                    3.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-154241           $12                   2.45                     
  $     1  -  5000                  $2,765           $10                   0.50                     
  $  5001 -  10000                  $7,495          $175                   1.09                     
  $ 10001 -  15000                 $12,551          $236                   1.86                     
  $ 15001 -  20000                 $17,579          $489                   2.27                     
  $ 20001 -  25000                 $22,474          $582                   2.84                     
  $ 25001 -  30000                 $27,424          $888                   3.07                     
  $ 30001 -  35000                 $32,447        $1,108                   3.03                     
  $ 35001 -  40000                 $37,498        $1,373                   3.53                     
  $ 40001 -  45000                 $42,305        $2,024                   3.63                     
  $ 45001 -  50000                 $47,536        $2,577                   3.69                     
  $ 50001 -  75000                 $63,168        $4,530                   3.83                     
  $ 75001 - 100000                 $85,315        $8,312                   4.12                     
  OVER $100,000                   $129,036       $18,506                   3.94                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $29,363        $2,248                   2.57                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   DRAPER UT                                                        
                        _________________________________________________                           
  UNDER $1              118    $-6,535,391        $8,388     -0.13         240                      
  $     1  -  5000      866     $2,206,427       $23,816      1.08         355                      
  $  5001 -  10000      682     $5,014,999      $105,592      2.11         537                      
  $ 10001 -  15000      577     $7,111,536      $229,567      3.23         781                      
  $ 15001 -  20000      503     $8,811,125      $334,545      3.80         815                      
  $ 20001 -  25000      464    $10,481,282      $486,894      4.65         854                      
  $ 25001 -  30000      416    $11,457,553      $578,468      5.05         859                      
  $ 30001 -  35000      375    $12,171,683      $707,299      5.81         794                      
  $ 35001 -  40000      352    $13,189,260      $704,837      5.34         843                      
  $ 40001 -  45000      335    $14,219,469      $824,438      5.80         856                      
  $ 45001 -  50000      356    $16,901,978      $988,133      5.85       1,001                      
  $ 50001 -  75000    1,581    $98,504,612    $6,609,622      6.71       4,967                      
  $ 75001 - 100000    1,188   $103,343,451    $9,203,583      8.91       4,077                      
  $100001 - 250000    1,539   $215,772,649   $30,742,398     14.25       5,668                      
  OVER $250,000         182   $107,403,710   $25,393,658     23.64         658                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              9,534    $620,054,343   $76,941,238     12.41       23,305                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.2            -1.1           0.0                    1.0                     
  $     1  -  5000     9.1             0.4           0.0                    1.5                     
  $  5001 -  10000     7.2             0.8           0.1                    2.3                     
  $ 10001 -  15000     6.1             1.1           0.3                    3.4                     
  $ 15001 -  20000     5.3             1.4           0.4                    3.5                     
  $ 20001 -  25000     4.9             1.7           0.6                    3.7                     
  $ 25001 -  30000     4.4             1.8           0.8                    3.7                     
  $ 30001 -  35000     3.9             2.0           0.9                    3.4                     
  $ 35001 -  40000     3.7             2.1           0.9                    3.6                     
  $ 40001 -  45000     3.5             2.3           1.1                    3.7                     
  $ 45001 -  50000     3.7             2.7           1.3                    4.3                     
  $ 50001 -  75000    16.6            15.9           8.6                   21.3                     
  $ 75001 - 100000    12.5            16.7          12.0                   17.5                     
  $100001 - 250000    16.1            34.8          40.0                   24.3                     
  OVER $250,000        1.9            17.3          33.0                    2.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-55,385           $71                   2.03                     
  $     1  -  5000                  $2,548           $28                   0.41                     
  $  5001 -  10000                  $7,353          $155                   0.79                     
  $ 10001 -  15000                 $12,325          $398                   1.35                     
  $ 15001 -  20000                 $17,517          $665                   1.62                     
  $ 20001 -  25000                 $22,589        $1,049                   1.84                     
  $ 25001 -  30000                 $27,542        $1,391                   2.06                     
  $ 30001 -  35000                 $32,458        $1,886                   2.12                     
  $ 35001 -  40000                 $37,469        $2,002                   2.39                     
  $ 40001 -  45000                 $42,446        $2,461                   2.56                     
  $ 45001 -  50000                 $47,477        $2,776                   2.81                     
  $ 50001 -  75000                 $62,305        $4,181                   3.14                     
  $ 75001 - 100000                 $86,989        $7,747                   3.43                     
  $100001 - 250000                $140,203       $19,976                   3.68                     
  OVER $250,000                   $590,130      $139,526                   3.62                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $65,036        $8,070                   2.44                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   DUCHESNE UT                                                      
                        _________________________________________________                           
  UNDER $1               26      $-859,960          $578     -0.07          62                      
  $     1  -  5000      112       $297,130           $96      0.03          90                      
  $  5001 -  10000       85       $644,566       $12,030      1.87         116                      
  $ 10001 -  15000       89     $1,107,717       $13,247      1.20         192                      
  $ 15001 -  20000       73     $1,265,963       $26,295      2.08         177                      
  $ 20001 -  25000       58     $1,291,352       $39,621      3.07         142                      
  $ 25001 -  30000       75     $2,065,304       $90,787      4.40         190                      
  $ 30001 -  35000       52     $1,686,526       $71,889      4.26         160                      
  $ 35001 -  40000       63     $2,353,758      $106,811      4.54         197                      
  $ 40001 -  45000       42     $1,779,686       $91,315      5.13         150                      
  $ 45001 -  50000       42     $1,988,243       $81,908      4.12         173                      
  $ 50001 -  75000      106     $6,119,216      $439,332      7.18         373                      
  $ 75001 - 250000       45     $4,338,263      $536,947     12.38         150                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                868     $24,077,764    $1,510,856      6.27        2,172                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             3.0            -3.6           0.0                    2.9                     
  $     1  -  5000    12.9             1.2           0.0                    4.1                     
  $  5001 -  10000     9.8             2.7           0.8                    5.3                     
  $ 10001 -  15000    10.3             4.6           0.9                    8.8                     
  $ 15001 -  20000     8.4             5.3           1.7                    8.1                     
  $ 20001 -  25000     6.7             5.4           2.6                    6.5                     
  $ 25001 -  30000     8.6             8.6           6.0                    8.7                     
  $ 30001 -  35000     6.0             7.0           4.8                    7.4                     
  $ 35001 -  40000     7.3             9.8           7.1                    9.1                     
  $ 40001 -  45000     4.8             7.4           6.0                    6.9                     
  $ 45001 -  50000     4.8             8.3           5.4                    8.0                     
  $ 50001 -  75000    12.2            25.4          29.1                   17.2                     
  $ 75001 - 250000     5.2            18.0          35.5                    6.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-33,075           $22                   2.38                     
  $     1  -  5000                  $2,653            $1                   0.80                     
  $  5001 -  10000                  $7,583          $142                   1.36                     
  $ 10001 -  15000                 $12,446          $149                   2.16                     
  $ 15001 -  20000                 $17,342          $360                   2.42                     
  $ 20001 -  25000                 $22,265          $683                   2.45                     
  $ 25001 -  30000                 $27,537        $1,210                   2.53                     
  $ 30001 -  35000                 $32,433        $1,382                   3.08                     
  $ 35001 -  40000                 $37,361        $1,695                   3.13                     
  $ 40001 -  45000                 $42,373        $2,174                   3.57                     
  $ 45001 -  50000                 $47,339        $1,950                   4.12                     
  $ 50001 -  75000                 $57,728        $4,145                   3.52                     
  $ 75001 - 250000                 $96,406       $11,932                   3.33                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $27,739        $1,741                   2.50                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                    
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   EAGLE MOUNTAIN UT                                                
                        _________________________________________________                           
  UNDER $1               13      $-285,049            $0      0.00          37                      
  $     1  -  5000      111       $308,666        $1,867      0.60          81                      
  $  5001 -  10000       79       $579,427        $7,121      1.23         125                      
  $ 10001 -  15000       87     $1,083,531       $16,549      1.53         209                      
  $ 15001 -  20000       87     $1,534,703       $37,542      2.45         235                      
  $ 20001 -  25000      110     $2,456,478       $71,951      2.93         305                      
  $ 25001 -  30000      130     $3,610,123       $95,245      2.64         387                      
  $ 30001 -  35000      132     $4,288,802      $104,030      2.43         452                      
  $ 35001 -  40000      192     $7,212,238      $172,290      2.39         689                      
  $ 40001 -  45000      161     $6,804,824      $191,992      2.82         605                      
  $ 45001 -  50000      167     $7,904,982      $267,661      3.39         623                      
  $ 50001 -  75000      452    $27,285,522    $1,424,091      5.22       1,711                      
  $ 75001 - 100000      133    $11,400,677      $841,525      7.38         542                      
  OVER $100,000          75    $10,568,882    $1,498,213     14.18         313                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,929     $84,753,806    $4,730,077      5.58        6,314                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.7            -0.3           0.0                    0.6                     
  $     1  -  5000     5.8             0.4           0.0                    1.3                     
  $  5001 -  10000     4.1             0.7           0.2                    2.0                     
  $ 10001 -  15000     4.5             1.3           0.3                    3.3                     
  $ 15001 -  20000     4.5             1.8           0.8                    3.7                     
  $ 20001 -  25000     5.7             2.9           1.5                    4.8                     
  $ 25001 -  30000     6.7             4.3           2.0                    6.1                     
  $ 30001 -  35000     6.8             5.1           2.2                    7.2                     
  $ 35001 -  40000    10.0             8.5           3.6                   10.9                     
  $ 40001 -  45000     8.3             8.0           4.1                    9.6                     
  $ 45001 -  50000     8.7             9.3           5.7                    9.9                     
  $ 50001 -  75000    23.4            32.2          30.1                   27.1                     
  $ 75001 - 100000     6.9            13.5          17.8                    8.6                     
  OVER $100,000        3.9            12.5          31.7                    5.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-21,927            $0                   2.85                     
  $     1  -  5000                  $2,781           $17                   0.73                     
  $  5001 -  10000                  $7,335           $90                   1.58                     
  $ 10001 -  15000                 $12,454          $190                   2.40                     
  $ 15001 -  20000                 $17,640          $432                   2.70                     
  $ 20001 -  25000                 $22,332          $654                   2.77                     
  $ 25001 -  30000                 $27,770          $733                   2.98                     
  $ 30001 -  35000                 $32,491          $788                   3.42                     
  $ 35001 -  40000                 $37,564          $897                   3.59                     
  $ 40001 -  45000                 $42,266        $1,192                   3.76                     
  $ 45001 -  50000                 $47,335        $1,603                   3.73                     
  $ 50001 -  75000                 $60,366        $3,151                   3.79                     
  $ 75001 - 100000                 $85,719        $6,327                   4.08                     
  OVER $100,000                   $140,918       $19,976                   4.17                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $43,937        $2,452                   3.27                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                              
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   EDEN UT                                                          
                        _________________________________________________                           
  UNDER $1               21    $-1,497,540        $5,674     -0.38          50                      
  $     1  -  5000       91       $261,391          $148      0.06          24                      
  $  5001 -  10000       92       $669,300       $10,579      1.58          67                      
  $ 10001 -  15000       69       $863,144       $23,739      2.75          93                      
  $ 15001 -  20000       56       $960,730       $27,332      2.84         100                      
  $ 20001 -  25000       46     $1,012,685       $50,894      5.03          79                      
  $ 25001 -  30000       45     $1,221,419       $62,303      5.10          93                      
  $ 30001 -  35000       40     $1,296,315       $75,244      5.80          84                      
  $ 35001 -  40000       39     $1,471,735       $93,428      6.35          87                      
  $ 40001 -  45000       43     $1,808,234      $142,380      7.87         120                      
  $ 45001 -  50000       38     $1,803,396       $95,501      5.30         111                      
  $ 50001 -  75000      191    $11,912,065      $883,153      7.41         577                      
  $ 75001 - 100000      135    $11,732,691    $1,213,239     10.34         419                      
  OVER $100,000         159    $25,380,314    $4,262,521     16.79         504                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,065     $58,895,879    $6,946,135     11.79        2,408                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             2.0            -2.5           0.1                    2.1                     
  $     1  -  5000     8.5             0.4           0.0                    1.0                     
  $  5001 -  10000     8.6             1.1           0.2                    2.8                     
  $ 10001 -  15000     6.5             1.5           0.3                    3.9                     
  $ 15001 -  20000     5.3             1.6           0.4                    4.2                     
  $ 20001 -  25000     4.3             1.7           0.7                    3.3                     
  $ 25001 -  30000     4.2             2.1           0.9                    3.9                     
  $ 30001 -  35000     3.8             2.2           1.1                    3.5                     
  $ 35001 -  40000     3.7             2.5           1.3                    3.6                     
  $ 40001 -  45000     4.0             3.1           2.0                    5.0                     
  $ 45001 -  50000     3.6             3.1           1.4                    4.6                     
  $ 50001 -  75000    17.9            20.2          12.7                   24.0                     
  $ 75001 - 100000    12.7            19.9          17.5                   17.4                     
  OVER $100,000       14.9            43.1          61.4                   20.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-71,311          $270                   2.38                     
  $     1  -  5000                  $2,872            $2                   0.26                     
  $  5001 -  10000                  $7,275          $115                   0.73                     
  $ 10001 -  15000                 $12,509          $344                   1.35                     
  $ 15001 -  20000                 $17,156          $488                   1.79                     
  $ 20001 -  25000                 $22,015        $1,106                   1.72                     
  $ 25001 -  30000                 $27,143        $1,385                   2.07                     
  $ 30001 -  35000                 $32,408        $1,881                   2.10                     
  $ 35001 -  40000                 $37,737        $2,396                   2.23                     
  $ 40001 -  45000                 $42,052        $3,311                   2.79                     
  $ 45001 -  50000                 $47,458        $2,513                   2.92                     
  $ 50001 -  75000                 $62,367        $4,624                   3.02                     
  $ 75001 - 100000                 $86,909        $8,987                   3.10                     
  OVER $100,000                   $159,625       $26,808                   3.17                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $55,301        $6,522                   2.26                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   EPHRAIM UT                                                       
                        _________________________________________________                           
  UNDER $1               12      $-410,507            $0      0.00          35                      
  $     1  -  5000      172       $464,590          $379      0.08          99                      
  $  5001 -  10000      163     $1,205,471       $13,133      1.09         200                      
  $ 10001 -  15000      135     $1,682,583       $26,072      1.55         257                      
  $ 15001 -  20000      117     $2,035,432       $51,065      2.51         289                      
  $ 20001 -  25000       91     $2,059,744       $55,962      2.72         246                      
  $ 25001 -  30000       71     $1,950,493       $65,168      3.34         214                      
  $ 30001 -  35000       57     $1,841,521       $59,807      3.25         195                      
  $ 35001 -  40000       55     $2,061,009       $84,224      4.09         194                      
  $ 40001 -  45000       53     $2,250,759       $91,461      4.06         213                      
  $ 45001 -  50000       35     $1,661,959       $86,692      5.22         117                      
  $ 50001 -  75000      151     $9,208,796      $579,073      6.29         606                      
  $ 75001 - 100000       52     $4,357,643      $395,493      9.08         218                      
  OVER $100,000          43     $6,342,193    $1,046,736     16.50         140                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,207     $36,711,686    $2,555,265      6.96        3,023                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.0            -1.1           0.0                    1.2                     
  $     1  -  5000    14.3             1.3           0.0                    3.3                     
  $  5001 -  10000    13.5             3.3           0.5                    6.6                     
  $ 10001 -  15000    11.2             4.6           1.0                    8.5                     
  $ 15001 -  20000     9.7             5.5           2.0                    9.6                     
  $ 20001 -  25000     7.5             5.6           2.2                    8.1                     
  $ 25001 -  30000     5.9             5.3           2.6                    7.1                     
  $ 30001 -  35000     4.7             5.0           2.3                    6.5                     
  $ 35001 -  40000     4.6             5.6           3.3                    6.4                     
  $ 40001 -  45000     4.4             6.1           3.6                    7.0                     
  $ 45001 -  50000     2.9             4.5           3.4                    3.9                     
  $ 50001 -  75000    12.5            25.1          22.7                   20.0                     
  $ 75001 - 100000     4.3            11.9          15.5                    7.2                     
  OVER $100,000        3.6            17.3          41.0                    4.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-34,209            $0                   2.92                     
  $     1  -  5000                  $2,701            $2                   0.58                     
  $  5001 -  10000                  $7,396           $81                   1.23                     
  $ 10001 -  15000                 $12,464          $193                   1.90                     
  $ 15001 -  20000                 $17,397          $436                   2.47                     
  $ 20001 -  25000                 $22,635          $615                   2.70                     
  $ 25001 -  30000                 $27,472          $918                   3.01                     
  $ 30001 -  35000                 $32,307        $1,049                   3.42                     
  $ 35001 -  40000                 $37,473        $1,531                   3.53                     
  $ 40001 -  45000                 $42,467        $1,726                   4.02                     
  $ 45001 -  50000                 $47,485        $2,477                   3.34                     
  $ 50001 -  75000                 $60,985        $3,835                   4.01                     
  $ 75001 - 100000                 $83,801        $7,606                   4.19                     
  OVER $100,000                   $147,493       $24,343                   3.26                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,416        $2,117                   2.50                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   FAIRVIEW UT                                                      
                        _________________________________________________                           
  UNDER $1               14      $-619,824            $0      0.00          26                      
  $     1  -  5000       93       $239,213          $744      0.31          65                      
  $  5001 -  10000       94       $704,257        $8,204      1.16         136                      
  $ 10001 -  15000       60       $743,644       $16,307      2.19          94                      
  $ 15001 -  20000       85     $1,475,591       $39,578      2.68         199                      
  $ 20001 -  25000       49     $1,092,507       $42,928      3.93         124                      
  $ 25001 -  30000       54     $1,488,807       $49,939      3.35         150                      
  $ 30001 -  35000       47     $1,515,693       $55,511      3.66         144                      
  $ 35001 -  40000       48     $1,799,750       $69,757      3.88         159                      
  $ 40001 -  45000       46     $1,956,416       $96,560      4.94         159                      
  $ 45001 -  50000       47     $2,224,802      $117,256      5.27         177                      
  $ 50001 -  75000      134     $8,141,104      $584,520      7.18         490                      
  $ 75001 - 100000       40     $3,383,550      $304,682      9.00         151                      
  OVER $100,000          20     $3,787,867      $741,316     19.57          84                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                831     $27,933,377    $2,127,302      7.62        2,158                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.7            -2.2           0.0                    1.2                     
  $     1  -  5000    11.2             0.9           0.0                    3.0                     
  $  5001 -  10000    11.3             2.5           0.4                    6.3                     
  $ 10001 -  15000     7.2             2.7           0.8                    4.4                     
  $ 15001 -  20000    10.2             5.3           1.9                    9.2                     
  $ 20001 -  25000     5.9             3.9           2.0                    5.7                     
  $ 25001 -  30000     6.5             5.3           2.3                    7.0                     
  $ 30001 -  35000     5.7             5.4           2.6                    6.7                     
  $ 35001 -  40000     5.8             6.4           3.3                    7.4                     
  $ 40001 -  45000     5.5             7.0           4.5                    7.4                     
  $ 45001 -  50000     5.7             8.0           5.5                    8.2                     
  $ 50001 -  75000    16.1            29.1          27.5                   22.7                     
  $ 75001 - 100000     4.8            12.1          14.3                    7.0                     
  OVER $100,000        2.4            13.6          34.8                    3.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-44,273            $0                   1.86                     
  $     1  -  5000                  $2,572            $8                   0.70                     
  $  5001 -  10000                  $7,492           $87                   1.45                     
  $ 10001 -  15000                 $12,394          $272                   1.57                     
  $ 15001 -  20000                 $17,360          $466                   2.34                     
  $ 20001 -  25000                 $22,296          $876                   2.53                     
  $ 25001 -  30000                 $27,571          $925                   2.78                     
  $ 30001 -  35000                 $32,249        $1,181                   3.06                     
  $ 35001 -  40000                 $37,495        $1,453                   3.31                     
  $ 40001 -  45000                 $42,531        $2,099                   3.46                     
  $ 45001 -  50000                 $47,336        $2,495                   3.77                     
  $ 50001 -  75000                 $60,755        $4,362                   3.66                     
  $ 75001 - 100000                 $84,589        $7,617                   3.78                     
  OVER $100,000                   $189,393       $37,066                   4.20                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $33,614        $2,560                   2.60                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   FARMINGTON UT                                                    
                        _________________________________________________                           
  UNDER $1               48    $-3,014,931            $0      0.00          84                      
  $     1  -  5000      647     $1,707,177       $11,206      0.66         163                      
  $  5001 -  10000      446     $3,229,455       $60,304      1.87         273                      
  $ 10001 -  15000      334     $4,150,919      $149,455      3.60         382                      
  $ 15001 -  20000      234     $4,101,946      $166,664      4.06         327                      
  $ 20001 -  25000      255     $5,723,721      $238,952      4.17         492                      
  $ 25001 -  30000      210     $5,774,139      $291,759      5.05         439                      
  $ 30001 -  35000      207     $6,706,918      $362,364      5.40         473                      
  $ 35001 -  40000      177     $6,644,183      $334,982      5.04         467                      
  $ 40001 -  45000      197     $8,362,320      $418,397      5.00         567                      
  $ 45001 -  50000      175     $8,356,071      $442,343      5.29         564                      
  $ 50001 -  75000      791    $48,972,336    $3,065,407      6.26       2,804                      
  $ 75001 - 100000      523    $44,902,608    $3,936,669      8.77       1,958                      
  $100001 - 250000      565    $79,758,520   $11,371,801     14.26       2,181                      
  OVER $250,000          84    $58,031,096   $12,568,270     21.66         350                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              4,893    $283,406,478   $33,418,573     11.79       11,524                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.0            -1.1           0.0                    0.7                     
  $     1  -  5000    13.2             0.6           0.0                    1.4                     
  $  5001 -  10000     9.1             1.1           0.2                    2.4                     
  $ 10001 -  15000     6.8             1.5           0.4                    3.3                     
  $ 15001 -  20000     4.8             1.4           0.5                    2.8                     
  $ 20001 -  25000     5.2             2.0           0.7                    4.3                     
  $ 25001 -  30000     4.3             2.0           0.9                    3.8                     
  $ 30001 -  35000     4.2             2.4           1.1                    4.1                     
  $ 35001 -  40000     3.6             2.3           1.0                    4.1                     
  $ 40001 -  45000     4.0             3.0           1.3                    4.9                     
  $ 45001 -  50000     3.6             2.9           1.3                    4.9                     
  $ 50001 -  75000    16.2            17.3           9.2                   24.3                     
  $ 75001 - 100000    10.7            15.8          11.8                   17.0                     
  $100001 - 250000    11.5            28.1          34.0                   18.9                     
  OVER $250,000        1.7            20.5          37.6                    3.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-62,811            $0                   1.75                     
  $     1  -  5000                  $2,639           $17                   0.25                     
  $  5001 -  10000                  $7,241          $135                   0.61                     
  $ 10001 -  15000                 $12,428          $447                   1.14                     
  $ 15001 -  20000                 $17,530          $712                   1.40                     
  $ 20001 -  25000                 $22,446          $937                   1.93                     
  $ 25001 -  30000                 $27,496        $1,389                   2.09                     
  $ 30001 -  35000                 $32,401        $1,751                   2.29                     
  $ 35001 -  40000                 $37,538        $1,893                   2.64                     
  $ 40001 -  45000                 $42,448        $2,124                   2.88                     
  $ 45001 -  50000                 $47,749        $2,528                   3.22                     
  $ 50001 -  75000                 $61,912        $3,875                   3.54                     
  $ 75001 - 100000                 $85,856        $7,527                   3.74                     
  $100001 - 250000                $141,166       $20,127                   3.86                     
  OVER $250,000                   $690,846      $149,622                   4.17                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $57,921        $6,830                   2.36                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   FARR WEST UT                                                     
                        _________________________________________________                           
  UNDER $ 5,000          99       $211,713           $73      0.03          33                      
  $  5001 -  10000       77       $569,309       $18,606      3.27          64                      
  $ 10001 -  15000       71       $886,021       $26,982      3.05          80                      
  $ 15001 -  20000       61     $1,069,980       $40,530      3.79          93                      
  $ 20001 -  25000       48     $1,077,322       $49,794      4.62          96                      
  $ 25001 -  30000       56     $1,545,845       $95,062      6.15         113                      
  $ 30001 -  35000       53     $1,731,814       $87,812      5.07         139                      
  $ 35001 -  40000       52     $1,961,732      $108,866      5.55         136                      
  $ 40001 -  45000       53     $2,225,741      $121,368      5.45         150                      
  $ 45001 -  50000       47     $2,233,778      $132,377      5.93         160                      
  $ 50001 -  75000      201    $12,482,161      $824,859      6.61         701                      
  $ 75001 - 100000      105     $8,945,152      $821,675      9.19         359                      
  OVER $100,000          48    $10,008,983    $2,366,567     23.64         160                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                971     $44,949,551    $4,694,571     10.44        2,284                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       10.2             0.5           0.0                    1.4                     
  $  5001 -  10000     7.9             1.3           0.4                    2.8                     
  $ 10001 -  15000     7.3             2.0           0.6                    3.5                     
  $ 15001 -  20000     6.3             2.4           0.9                    4.1                     
  $ 20001 -  25000     4.9             2.4           1.1                    4.2                     
  $ 25001 -  30000     5.8             3.4           2.0                    4.9                     
  $ 30001 -  35000     5.5             3.9           1.9                    6.1                     
  $ 35001 -  40000     5.4             4.4           2.3                    6.0                     
  $ 40001 -  45000     5.5             5.0           2.6                    6.6                     
  $ 45001 -  50000     4.8             5.0           2.8                    7.0                     
  $ 50001 -  75000    20.7            27.8          17.6                   30.7                     
  $ 75001 - 100000    10.8            19.9          17.5                   15.7                     
  OVER $100,000        4.9            22.3          50.4                    7.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,139            $1                   0.33                     
  $  5001 -  10000                  $7,394          $242                   0.83                     
  $ 10001 -  15000                 $12,479          $380                   1.13                     
  $ 15001 -  20000                 $17,541          $664                   1.52                     
  $ 20001 -  25000                 $22,444        $1,037                   2.00                     
  $ 25001 -  30000                 $27,604        $1,698                   2.02                     
  $ 30001 -  35000                 $32,676        $1,657                   2.62                     
  $ 35001 -  40000                 $37,726        $2,094                   2.62                     
  $ 40001 -  45000                 $41,995        $2,290                   2.83                     
  $ 45001 -  50000                 $47,527        $2,817                   3.40                     
  $ 50001 -  75000                 $62,100        $4,104                   3.49                     
  $ 75001 - 100000                 $85,192        $7,825                   3.42                     
  OVER $100,000                   $208,520       $49,303                   3.33                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $46,292        $4,835                   2.35                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   FILLMORE UT                                                      
                        _________________________________________________                           
  UNDER $ 5,000         133      $-143,790          $426     -0.30          91                      
  $  5001 -  10000      110       $828,916        $9,558      1.15         139                      
  $ 10001 -  15000       85     $1,045,428       $21,763      2.08         160                      
  $ 15001 -  20000       88     $1,530,905       $41,018      2.68         188                      
  $ 20001 -  25000       79     $1,770,140       $63,672      3.60         212                      
  $ 25001 -  30000       61     $1,670,098       $61,329      3.67         177                      
  $ 30001 -  35000       54     $1,748,070       $63,909      3.66         166                      
  $ 35001 -  40000       55     $2,048,960       $86,000      4.20         174                      
  $ 40001 -  45000       41     $1,761,480      $103,066      5.85         127                      
  $ 45001 -  50000       45     $2,137,765      $121,047      5.66         154                      
  $ 50001 -  75000      131     $7,920,127      $569,919      7.20         483                      
  $ 75001 - 100000       51     $4,405,563      $455,165     10.33         179                      
  OVER $100,000          24     $3,430,213      $555,370     16.19          77                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                957     $30,153,875    $2,152,242      7.14        2,327                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       13.9            -0.5           0.0                    3.9                     
  $  5001 -  10000    11.5             2.7           0.4                    6.0                     
  $ 10001 -  15000     8.9             3.5           1.0                    6.9                     
  $ 15001 -  20000     9.2             5.1           1.9                    8.1                     
  $ 20001 -  25000     8.3             5.9           3.0                    9.1                     
  $ 25001 -  30000     6.4             5.5           2.8                    7.6                     
  $ 30001 -  35000     5.6             5.8           3.0                    7.1                     
  $ 35001 -  40000     5.7             6.8           4.0                    7.5                     
  $ 40001 -  45000     4.3             5.8           4.8                    5.5                     
  $ 45001 -  50000     4.7             7.1           5.6                    6.6                     
  $ 50001 -  75000    13.7            26.3          26.5                   20.8                     
  $ 75001 - 100000     5.3            14.6          21.1                    7.7                     
  OVER $100,000        2.5            11.4          25.8                    3.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                    $-1,081            $3                   0.68                     
  $  5001 -  10000                  $7,536           $87                   1.26                     
  $ 10001 -  15000                 $12,299          $256                   1.88                     
  $ 15001 -  20000                 $17,397          $466                   2.14                     
  $ 20001 -  25000                 $22,407          $806                   2.68                     
  $ 25001 -  30000                 $27,379        $1,005                   2.90                     
  $ 30001 -  35000                 $32,372        $1,184                   3.07                     
  $ 35001 -  40000                 $37,254        $1,564                   3.16                     
  $ 40001 -  45000                 $42,963        $2,514                   3.10                     
  $ 45001 -  50000                 $47,506        $2,690                   3.42                     
  $ 50001 -  75000                 $60,459        $4,351                   3.69                     
  $ 75001 - 100000                 $86,384        $8,925                   3.51                     
  OVER $100,000                   $142,926       $23,140                   3.21                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $31,509        $2,249                   2.43                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                     
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   FRUIT HEIGHTS UT                                                 
                        _________________________________________________                           
  UNDER $1               28      $-931,804        $2,331     -0.25          58                      
  $     1  -  5000      261       $685,904        $3,795      0.55          56                      
  $  5001 -  10000      164     $1,150,935       $26,979      2.34          87                      
  $ 10001 -  15000      113     $1,407,317       $47,084      3.35         138                      
  $ 15001 -  20000      102     $1,756,753       $76,732      4.37         128                      
  $ 20001 -  25000       80     $1,798,774       $87,670      4.87         130                      
  $ 25001 -  30000       73     $2,017,699       $98,916      4.90         167                      
  $ 30001 -  35000       60     $1,936,267      $122,085      6.31         119                      
  $ 35001 -  40000       53     $1,988,136      $123,004      6.19         126                      
  $ 40001 -  45000       42     $1,796,065      $110,716      6.16         113                      
  $ 45001 -  50000       49     $2,319,159      $171,922      7.41         127                      
  $ 50001 -  75000      219    $13,902,330      $897,664      6.46         774                      
  $ 75001 - 100000      205    $17,879,562    $1,571,312      8.79         777                      
  $100001 - 250000      227    $31,242,796    $4,361,045     13.96         874                      
  OVER $250,000          38    $15,743,727    $3,714,396     23.59         162                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,714     $94,693,620   $11,415,651     12.06        3,836                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.6            -1.0           0.0                    1.5                     
  $     1  -  5000    15.2             0.7           0.0                    1.5                     
  $  5001 -  10000     9.6             1.2           0.2                    2.3                     
  $ 10001 -  15000     6.6             1.5           0.4                    3.6                     
  $ 15001 -  20000     6.0             1.9           0.7                    3.3                     
  $ 20001 -  25000     4.7             1.9           0.8                    3.4                     
  $ 25001 -  30000     4.3             2.1           0.9                    4.4                     
  $ 30001 -  35000     3.5             2.0           1.1                    3.1                     
  $ 35001 -  40000     3.1             2.1           1.1                    3.3                     
  $ 40001 -  45000     2.5             1.9           1.0                    2.9                     
  $ 45001 -  50000     2.9             2.4           1.5                    3.3                     
  $ 50001 -  75000    12.8            14.7           7.9                   20.2                     
  $ 75001 - 100000    12.0            18.9          13.8                   20.3                     
  $100001 - 250000    13.2            33.0          38.2                   22.8                     
  OVER $250,000        2.2            16.6          32.5                    4.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-33,279           $83                   2.07                     
  $     1  -  5000                  $2,628           $15                   0.21                     
  $  5001 -  10000                  $7,018          $165                   0.53                     
  $ 10001 -  15000                 $12,454          $417                   1.22                     
  $ 15001 -  20000                 $17,223          $752                   1.25                     
  $ 20001 -  25000                 $22,485        $1,096                   1.63                     
  $ 25001 -  30000                 $27,640        $1,355                   2.29                     
  $ 30001 -  35000                 $32,271        $2,035                   1.98                     
  $ 35001 -  40000                 $37,512        $2,321                   2.38                     
  $ 40001 -  45000                 $42,763        $2,636                   2.69                     
  $ 45001 -  50000                 $47,330        $3,509                   2.59                     
  $ 50001 -  75000                 $63,481        $4,099                   3.53                     
  $ 75001 - 100000                 $87,217        $7,665                   3.79                     
  $100001 - 250000                $137,633       $19,212                   3.85                     
  OVER $250,000                   $414,309       $97,747                   4.26                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $55,247        $6,660                   2.24                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   GARLAND UT                                                       
                        _________________________________________________                           
  UNDER $1               13      $-511,148        $1,330     -0.26          19                      
  $     1  -  5000      112       $316,579          $293      0.09          39                      
  $  5001 -  10000      124       $920,707       $15,962      1.73         113                      
  $ 10001 -  15000       93     $1,147,275       $26,899      2.34         164                      
  $ 15001 -  20000       98     $1,717,536       $59,701      3.48         191                      
  $ 20001 -  25000      100     $2,245,428      $104,765      4.67         220                      
  $ 25001 -  30000       87     $2,401,724       $93,622      3.90         237                      
  $ 30001 -  35000       91     $2,946,883      $132,387      4.49         258                      
  $ 35001 -  40000       75     $2,801,369      $137,599      4.91         223                      
  $ 40001 -  45000       79     $3,358,897      $173,932      5.18         274                      
  $ 45001 -  50000       74     $3,512,699      $179,128      5.10         272                      
  $ 50001 -  75000      235    $14,292,648      $913,657      6.39         921                      
  $ 75001 - 100000       68     $5,816,695      $569,285      9.79         278                      
  OVER $100,000          24     $3,319,491      $528,703     15.93          86                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,273     $44,286,783    $2,937,263      6.63        3,295                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.0            -1.2           0.0                    0.6                     
  $     1  -  5000     8.8             0.7           0.0                    1.2                     
  $  5001 -  10000     9.7             2.1           0.5                    3.4                     
  $ 10001 -  15000     7.3             2.6           0.9                    5.0                     
  $ 15001 -  20000     7.7             3.9           2.0                    5.8                     
  $ 20001 -  25000     7.9             5.1           3.6                    6.7                     
  $ 25001 -  30000     6.8             5.4           3.2                    7.2                     
  $ 30001 -  35000     7.1             6.7           4.5                    7.8                     
  $ 35001 -  40000     5.9             6.3           4.7                    6.8                     
  $ 40001 -  45000     6.2             7.6           5.9                    8.3                     
  $ 45001 -  50000     5.8             7.9           6.1                    8.3                     
  $ 50001 -  75000    18.5            32.3          31.1                   28.0                     
  $ 75001 - 100000     5.3            13.1          19.4                    8.4                     
  OVER $100,000        1.9             7.5          18.0                    2.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-39,319          $102                   1.46                     
  $     1  -  5000                  $2,827            $3                   0.35                     
  $  5001 -  10000                  $7,425          $129                   0.91                     
  $ 10001 -  15000                 $12,336          $289                   1.76                     
  $ 15001 -  20000                 $17,526          $609                   1.95                     
  $ 20001 -  25000                 $22,454        $1,048                   2.20                     
  $ 25001 -  30000                 $27,606        $1,076                   2.72                     
  $ 30001 -  35000                 $32,383        $1,455                   2.84                     
  $ 35001 -  40000                 $37,352        $1,835                   2.97                     
  $ 40001 -  45000                 $42,518        $2,202                   3.47                     
  $ 45001 -  50000                 $47,469        $2,421                   3.68                     
  $ 50001 -  75000                 $60,820        $3,888                   3.92                     
  $ 75001 - 100000                 $85,540        $8,372                   4.09                     
  OVER $100,000                   $138,312       $22,029                   3.58                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $34,789        $2,307                   2.59                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   GRANTSVILLE                                                      
                        _________________________________________________                           
  UNDER $1               15      $-302,273          $296     -0.10          35                      
  $     1  -  5000      228       $605,576          $851      0.14         110                      
  $  5001 -  10000      201     $1,519,013       $21,304      1.40         209                      
  $ 10001 -  15000      192     $2,432,095       $55,444      2.28         325                      
  $ 15001 -  20000      191     $3,354,041       $98,625      2.94         365                      
  $ 20001 -  25000      190     $4,281,611      $168,924      3.95         409                      
  $ 25001 -  30000      166     $4,533,721      $188,319      4.15         390                      
  $ 30001 -  35000      162     $5,263,424      $284,620      5.41         384                      
  $ 35001 -  40000      164     $6,146,709      $340,588      5.54         448                      
  $ 40001 -  45000      132     $5,610,234      $303,858      5.42         390                      
  $ 45001 -  50000      154     $7,334,450      $435,167      5.93         477                      
  $ 50001 -  75000      514    $31,430,159    $2,289,136      7.28       1,750                      
  $ 75001 - 100000      214    $18,130,122    $1,775,734      9.79         754                      
  OVER $100,000          98    $12,614,350    $1,855,395     14.71         345                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,621    $102,953,232    $7,818,261      7.59        6,391                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.6            -0.3           0.0                    0.5                     
  $     1  -  5000     8.7             0.6           0.0                    1.7                     
  $  5001 -  10000     7.7             1.5           0.3                    3.3                     
  $ 10001 -  15000     7.3             2.4           0.7                    5.1                     
  $ 15001 -  20000     7.3             3.3           1.3                    5.7                     
  $ 20001 -  25000     7.2             4.2           2.2                    6.4                     
  $ 25001 -  30000     6.3             4.4           2.4                    6.1                     
  $ 30001 -  35000     6.2             5.1           3.6                    6.0                     
  $ 35001 -  40000     6.3             6.0           4.4                    7.0                     
  $ 40001 -  45000     5.0             5.4           3.9                    6.1                     
  $ 45001 -  50000     5.9             7.1           5.6                    7.5                     
  $ 50001 -  75000    19.6            30.5          29.3                   27.4                     
  $ 75001 - 100000     8.2            17.6          22.7                   11.8                     
  OVER $100,000        3.7            12.3          23.7                    5.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-20,152           $20                   2.33                     
  $     1  -  5000                  $2,656            $4                   0.48                     
  $  5001 -  10000                  $7,557          $106                   1.04                     
  $ 10001 -  15000                 $12,667          $289                   1.69                     
  $ 15001 -  20000                 $17,560          $516                   1.91                     
  $ 20001 -  25000                 $22,535          $889                   2.15                     
  $ 25001 -  30000                 $27,312        $1,134                   2.35                     
  $ 30001 -  35000                 $32,490        $1,757                   2.37                     
  $ 35001 -  40000                 $37,480        $2,077                   2.73                     
  $ 40001 -  45000                 $42,502        $2,302                   2.95                     
  $ 45001 -  50000                 $47,626        $2,826                   3.10                     
  $ 50001 -  75000                 $61,148        $4,454                   3.40                     
  $ 75001 - 100000                 $84,720        $8,298                   3.52                     
  OVER $100,000                   $128,718       $18,933                   3.52                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,280        $2,983                   2.44                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   HARRISVILLE UT                                                   
                        _________________________________________________                           
  UNDER $ 5,000         104       $160,409           $98      0.06          34                      
  $  5001 -  10000       75       $552,000       $16,852      3.05          50                      
  $ 10001 -  15000       50       $635,206       $20,723      3.26          83                      
  $ 15001 -  20000       52       $904,814       $36,216      4.00          89                      
  $ 20001 -  25000       37       $836,407       $34,434      4.12          74                      
  $ 25001 -  30000       47     $1,295,003       $51,970      4.01         116                      
  $ 30001 -  35000       54     $1,758,895       $97,623      5.55         121                      
  $ 35001 -  40000       44     $1,653,879       $59,407      3.59         134                      
  $ 40001 -  45000       50     $2,128,340       $99,724      4.69         168                      
  $ 45001 -  50000       54     $2,581,198      $130,836      5.07         182                      
  $ 50001 -  75000      210    $12,847,293      $782,760      6.09         790                      
  $ 75001 - 100000       86     $7,274,608      $708,622      9.74         297                      
  $100001 - 250000       18     $2,298,862      $315,188     13.71          80                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                881     $34,926,914    $2,354,453      6.74        2,218                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       11.8             0.5           0.0                    1.5                     
  $  5001 -  10000     8.5             1.6           0.7                    2.3                     
  $ 10001 -  15000     5.7             1.8           0.9                    3.7                     
  $ 15001 -  20000     5.9             2.6           1.5                    4.0                     
  $ 20001 -  25000     4.2             2.4           1.5                    3.3                     
  $ 25001 -  30000     5.3             3.7           2.2                    5.2                     
  $ 30001 -  35000     6.1             5.0           4.1                    5.5                     
  $ 35001 -  40000     5.0             4.7           2.5                    6.0                     
  $ 40001 -  45000     5.7             6.1           4.2                    7.6                     
  $ 45001 -  50000     6.1             7.4           5.6                    8.2                     
  $ 50001 -  75000    23.8            36.8          33.2                   35.6                     
  $ 75001 - 100000     9.8            20.8          30.1                   13.4                     
  $100001 - 250000     2.0             6.6          13.4                    3.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $1,542            $1                   0.33                     
  $  5001 -  10000                  $7,360          $225                   0.67                     
  $ 10001 -  15000                 $12,704          $414                   1.66                     
  $ 15001 -  20000                 $17,400          $696                   1.71                     
  $ 20001 -  25000                 $22,606          $931                   2.00                     
  $ 25001 -  30000                 $27,553        $1,106                   2.47                     
  $ 30001 -  35000                 $32,572        $1,808                   2.24                     
  $ 35001 -  40000                 $37,588        $1,350                   3.05                     
  $ 40001 -  45000                 $42,567        $1,994                   3.36                     
  $ 45001 -  50000                 $47,800        $2,423                   3.37                     
  $ 50001 -  75000                 $61,178        $3,727                   3.76                     
  $ 75001 - 100000                 $84,588        $8,240                   3.45                     
  $100001 - 250000                $127,715       $17,510                   4.44                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,645        $2,672                   2.52                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   HEBER CITY UT                                                    
                        _________________________________________________                           
  UNDER $1               55      $-697,527        $2,116     -0.30         108                      
  $     1  -  5000      516     $1,399,929        $4,659      0.33         264                      
  $  5001 -  10000      455     $3,299,927       $52,879      1.60         503                      
  $ 10001 -  15000      394     $4,918,590      $123,104      2.50         614                      
  $ 15001 -  20000      369     $6,435,817      $209,001      3.25         752                      
  $ 20001 -  25000      341     $7,596,076      $276,338      3.64         783                      
  $ 25001 -  30000      287     $7,874,635      $328,905      4.18         715                      
  $ 30001 -  35000      280     $9,111,099      $378,524      4.15         771                      
  $ 35001 -  40000      268    $10,045,841      $476,572      4.74         767                      
  $ 40001 -  45000      227     $9,645,367      $535,976      5.56         656                      
  $ 45001 -  50000      225    $10,704,659      $539,343      5.04         777                      
  $ 50001 -  75000      779    $47,605,012    $3,130,856      6.58       2,643                      
  $ 75001 - 100000      298    $25,549,360    $2,290,306      8.96       1,052                      
  $100001 - 250000      240    $33,213,211    $4,717,186     14.20         844                      
  OVER $250,000          42    $26,862,799    $6,956,723     25.90         164                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              4,776    $203,564,795   $20,022,488      9.84       11,413                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.2            -0.3           0.0                    0.9                     
  $     1  -  5000    10.8             0.7           0.0                    2.3                     
  $  5001 -  10000     9.5             1.6           0.3                    4.4                     
  $ 10001 -  15000     8.2             2.4           0.6                    5.4                     
  $ 15001 -  20000     7.7             3.2           1.0                    6.6                     
  $ 20001 -  25000     7.1             3.7           1.4                    6.9                     
  $ 25001 -  30000     6.0             3.9           1.6                    6.3                     
  $ 30001 -  35000     5.9             4.5           1.9                    6.8                     
  $ 35001 -  40000     5.6             4.9           2.4                    6.7                     
  $ 40001 -  45000     4.8             4.7           2.7                    5.7                     
  $ 45001 -  50000     4.7             5.3           2.7                    6.8                     
  $ 50001 -  75000    16.3            23.4          15.6                   23.2                     
  $ 75001 - 100000     6.2            12.6          11.4                    9.2                     
  $100001 - 250000     5.0            16.3          23.6                    7.4                     
  OVER $250,000        0.9            13.2          34.7                    1.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-12,682           $38                   1.96                     
  $     1  -  5000                  $2,713            $9                   0.51                     
  $  5001 -  10000                  $7,253          $116                   1.11                     
  $ 10001 -  15000                 $12,484          $312                   1.56                     
  $ 15001 -  20000                 $17,441          $566                   2.04                     
  $ 20001 -  25000                 $22,276          $810                   2.30                     
  $ 25001 -  30000                 $27,438        $1,146                   2.49                     
  $ 30001 -  35000                 $32,540        $1,352                   2.75                     
  $ 35001 -  40000                 $37,484        $1,778                   2.86                     
  $ 40001 -  45000                 $42,491        $2,361                   2.89                     
  $ 45001 -  50000                 $47,576        $2,397                   3.45                     
  $ 50001 -  75000                 $61,110        $4,019                   3.39                     
  $ 75001 - 100000                 $85,736        $7,686                   3.53                     
  $100001 - 250000                $138,388       $19,655                   3.52                     
  OVER $250,000                   $639,590      $165,636                   3.90                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $42,622        $4,192                   2.39                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   HELPER UT                                                        
                        _________________________________________________                           
  UNDER $1               15      $-352,940            $0      0.00          22                      
  $     1  -  5000      168       $457,565        $4,779      1.04         102                      
  $  5001 -  10000      174     $1,296,324       $13,977      1.08         212                      
  $ 10001 -  15000      136     $1,679,432       $34,816      2.07         207                      
  $ 15001 -  20000      135     $2,322,609       $73,207      3.15         239                      
  $ 20001 -  25000       94     $2,127,591      $106,851      5.02         184                      
  $ 25001 -  30000       91     $2,517,235      $125,014      4.97         190                      
  $ 30001 -  35000       83     $2,709,391      $141,833      5.23         219                      
  $ 35001 -  40000       84     $3,150,960      $206,775      6.56         202                      
  $ 40001 -  45000       85     $3,601,384      $260,527      7.23         227                      
  $ 45001 -  50000       60     $2,847,021      $209,834      7.37         167                      
  $ 50001 -  75000      268    $16,524,106    $1,425,273      8.63         839                      
  $ 75001 - 100000      106     $9,058,313    $1,137,056     12.55         306                      
  OVER $100,000          50     $6,580,838    $1,126,903     17.12         152                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,549     $54,519,829    $4,866,845      8.93        3,268                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.0            -0.6           0.0                    0.7                     
  $     1  -  5000    10.8             0.8           0.1                    3.1                     
  $  5001 -  10000    11.2             2.4           0.3                    6.5                     
  $ 10001 -  15000     8.8             3.1           0.7                    6.3                     
  $ 15001 -  20000     8.7             4.3           1.5                    7.3                     
  $ 20001 -  25000     6.1             3.9           2.2                    5.6                     
  $ 25001 -  30000     5.9             4.6           2.6                    5.8                     
  $ 30001 -  35000     5.4             5.0           2.9                    6.7                     
  $ 35001 -  40000     5.4             5.8           4.2                    6.2                     
  $ 40001 -  45000     5.5             6.6           5.4                    6.9                     
  $ 45001 -  50000     3.9             5.2           4.3                    5.1                     
  $ 50001 -  75000    17.3            30.3          29.3                   25.7                     
  $ 75001 - 100000     6.8            16.6          23.4                    9.4                     
  OVER $100,000        3.2            12.1          23.2                    4.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-23,529            $0                   1.47                     
  $     1  -  5000                  $2,724           $28                   0.61                     
  $  5001 -  10000                  $7,450           $80                   1.22                     
  $ 10001 -  15000                 $12,349          $256                   1.52                     
  $ 15001 -  20000                 $17,205          $542                   1.77                     
  $ 20001 -  25000                 $22,634        $1,137                   1.96                     
  $ 25001 -  30000                 $27,662        $1,374                   2.09                     
  $ 30001 -  35000                 $32,643        $1,709                   2.64                     
  $ 35001 -  40000                 $37,511        $2,462                   2.40                     
  $ 40001 -  45000                 $42,369        $3,065                   2.67                     
  $ 45001 -  50000                 $47,450        $3,497                   2.78                     
  $ 50001 -  75000                 $61,657        $5,318                   3.13                     
  $ 75001 - 100000                 $85,456       $10,727                   2.89                     
  OVER $100,000                   $131,617       $22,538                   3.04                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $35,197        $3,142                   2.11                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   HERRIMAN UT                                                      
                        _________________________________________________                           
  UNDER $ 5,000         128        $-4,050        $9,207      -227          89                      
  $  5001 -  10000       99       $701,998       $12,273      1.75          84                      
  $ 10001 -  15000      101     $1,262,896       $31,979      2.53         164                      
  $ 15001 -  20000       79     $1,380,129       $52,052      3.77         150                      
  $ 20001 -  25000       87     $1,949,791       $76,379      3.92         192                      
  $ 25001 -  30000       92     $2,532,231       $87,809      3.47         225                      
  $ 30001 -  35000       98     $3,178,939      $127,336      4.01         288                      
  $ 35001 -  40000      127     $4,786,545      $198,782      4.15         377                      
  $ 40001 -  45000      111     $4,740,473      $191,132      4.03         359                      
  $ 45001 -  50000      147     $6,995,533      $307,509      4.40         495                      
  $ 50001 -  75000      633    $38,877,446    $2,308,071      5.94       2,198                      
  $ 75001 - 100000      247    $21,014,529    $1,858,678      8.84         832                      
  OVER $100,000         132    $17,932,772    $2,520,320     14.05         461                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,081    $105,349,232    $7,781,527      7.39        5,914                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000        6.2            -0.0           0.1                    1.5                     
  $  5001 -  10000     4.8             0.7           0.2                    1.4                     
  $ 10001 -  15000     4.9             1.2           0.4                    2.8                     
  $ 15001 -  20000     3.8             1.3           0.7                    2.5                     
  $ 20001 -  25000     4.2             1.9           1.0                    3.2                     
  $ 25001 -  30000     4.4             2.4           1.1                    3.8                     
  $ 30001 -  35000     4.7             3.0           1.6                    4.9                     
  $ 35001 -  40000     6.1             4.5           2.6                    6.4                     
  $ 40001 -  45000     5.3             4.5           2.5                    6.1                     
  $ 45001 -  50000     7.1             6.6           4.0                    8.4                     
  $ 50001 -  75000    30.4            36.9          29.7                   37.2                     
  $ 75001 - 100000    11.9            19.9          23.9                   14.1                     
  OVER $100,000        6.3            17.0          32.4                    7.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                       $-32           $72                   0.70                     
  $  5001 -  10000                  $7,091          $124                   0.85                     
  $ 10001 -  15000                 $12,504          $317                   1.62                     
  $ 15001 -  20000                 $17,470          $659                   1.90                     
  $ 20001 -  25000                 $22,411          $878                   2.21                     
  $ 25001 -  30000                 $27,524          $954                   2.45                     
  $ 30001 -  35000                 $32,438        $1,299                   2.94                     
  $ 35001 -  40000                 $37,689        $1,565                   2.97                     
  $ 40001 -  45000                 $42,707        $1,722                   3.23                     
  $ 45001 -  50000                 $47,589        $2,092                   3.37                     
  $ 50001 -  75000                 $61,418        $3,646                   3.47                     
  $ 75001 - 100000                 $85,079        $7,525                   3.37                     
  OVER $100,000                   $135,854       $19,093                   3.49                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $50,624        $3,739                   2.84                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   HIGHLAND UT                                                      
                        _________________________________________________                           
  UNDER $1               37      $-499,681        $9,486     -1.90          80                      
  $     1  -  5000      493     $1,286,324        $3,724      0.29         135                      
  $  5001 -  10000      334     $2,425,042       $69,464      2.86         249                      
  $ 10001 -  15000      214     $2,668,200       $79,556      2.98         320                      
  $ 15001 -  20000      166     $2,894,942      $112,319      3.88         301                      
  $ 20001 -  25000      145     $3,243,693      $121,780      3.75         303                      
  $ 25001 -  30000      120     $3,282,839      $146,297      4.46         274                      
  $ 30001 -  35000       74     $2,429,170      $118,760      4.89         171                      
  $ 35001 -  40000       86     $3,224,600      $104,189      3.23         314                      
  $ 40001 -  45000       82     $3,468,543      $161,073      4.64         273                      
  $ 45001 -  50000       96     $4,581,038      $183,007      3.99         350                      
  $ 50001 -  75000      497    $30,810,774    $1,489,877      4.84       2,054                      
  $ 75001 - 100000      365    $31,518,024    $2,220,991      7.05       1,633                      
  $100001 - 250000      510    $70,775,160    $8,958,666     12.66       2,351                      
  OVER $250,000          58    $25,600,058    $5,962,251     23.29         270                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,277    $187,708,726   $19,741,440     10.52        9,078                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -0.3           0.0                    0.9                     
  $     1  -  5000    15.0             0.7           0.0                    1.5                     
  $  5001 -  10000    10.2             1.3           0.4                    2.7                     
  $ 10001 -  15000     6.5             1.4           0.4                    3.5                     
  $ 15001 -  20000     5.1             1.5           0.6                    3.3                     
  $ 20001 -  25000     4.4             1.7           0.6                    3.3                     
  $ 25001 -  30000     3.7             1.7           0.7                    3.0                     
  $ 30001 -  35000     2.3             1.3           0.6                    1.9                     
  $ 35001 -  40000     2.6             1.7           0.5                    3.5                     
  $ 40001 -  45000     2.5             1.8           0.8                    3.0                     
  $ 45001 -  50000     2.9             2.4           0.9                    3.9                     
  $ 50001 -  75000    15.2            16.4           7.5                   22.6                     
  $ 75001 - 100000    11.1            16.8          11.3                   18.0                     
  $100001 - 250000    15.6            37.7          45.4                   25.9                     
  OVER $250,000        1.8            13.6          30.2                    3.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-13,505          $256                   2.16                     
  $     1  -  5000                  $2,609            $8                   0.27                     
  $  5001 -  10000                  $7,261          $208                   0.75                     
  $ 10001 -  15000                 $12,468          $372                   1.50                     
  $ 15001 -  20000                 $17,439          $677                   1.81                     
  $ 20001 -  25000                 $22,370          $840                   2.09                     
  $ 25001 -  30000                 $27,357        $1,219                   2.28                     
  $ 30001 -  35000                 $32,827        $1,605                   2.31                     
  $ 35001 -  40000                 $37,495        $1,212                   3.65                     
  $ 40001 -  45000                 $42,299        $1,964                   3.33                     
  $ 45001 -  50000                 $47,719        $1,906                   3.65                     
  $ 50001 -  75000                 $61,994        $2,998                   4.13                     
  $ 75001 - 100000                 $86,351        $6,085                   4.47                     
  $100001 - 250000                $138,775       $17,566                   4.61                     
  OVER $250,000                   $441,380      $102,797                   4.66                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $57,281        $6,024                   2.77                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   HILL AFB UT                                                      
                        _________________________________________________                           
  UNDER $ 5,000          59       $140,627          $737      0.52          12                      
  $  5001 -  10000      103       $768,523        $8,707      1.13          84                      
  $ 10001 -  15000      208     $2,656,860       $91,552      3.45         286                      
  $ 15001 -  20000      287     $4,936,117      $191,055      3.87         550                      
  $ 20001 -  25000      243     $5,440,954      $175,254      3.22         630                      
  $ 25001 -  30000      199     $5,414,747       $91,922      1.70         688                      
  $ 30001 -  35000      153     $4,975,232      $115,553      2.32         539                      
  $ 35001 -  40000      120     $4,475,409      $143,741      3.21         429                      
  $ 40001 -  45000       93     $3,990,815      $183,289      4.59         328                      
  $ 45001 -  50000       61     $2,903,991      $161,631      5.57         213                      
  $ 50001 -  75000      174    $10,317,387      $754,722      7.32         634                      
  $ 75001 - 100000       41     $3,463,991      $405,497     11.71         142                      
  $100001 - 250000       18     $2,209,358      $368,302     16.67          58                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,759     $51,694,011    $2,691,962      5.21        4,593                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000        3.4             0.3           0.0                    0.3                     
  $  5001 -  10000     5.9             1.5           0.3                    1.8                     
  $ 10001 -  15000    11.8             5.1           3.4                    6.2                     
  $ 15001 -  20000    16.3             9.5           7.1                   12.0                     
  $ 20001 -  25000    13.8            10.5           6.5                   13.7                     
  $ 25001 -  30000    11.3            10.5           3.4                   15.0                     
  $ 30001 -  35000     8.7             9.6           4.3                   11.7                     
  $ 35001 -  40000     6.8             8.7           5.3                    9.3                     
  $ 40001 -  45000     5.3             7.7           6.8                    7.1                     
  $ 45001 -  50000     3.5             5.6           6.0                    4.6                     
  $ 50001 -  75000     9.9            20.0          28.0                   13.8                     
  $ 75001 - 100000     2.3             6.7          15.1                    3.1                     
  $100001 - 250000     1.0             4.3          13.7                    1.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,384           $12                   0.20                     
  $  5001 -  10000                  $7,461           $85                   0.82                     
  $ 10001 -  15000                 $12,773          $440                   1.38                     
  $ 15001 -  20000                 $17,199          $666                   1.92                     
  $ 20001 -  25000                 $22,391          $721                   2.59                     
  $ 25001 -  30000                 $27,210          $462                   3.46                     
  $ 30001 -  35000                 $32,518          $755                   3.52                     
  $ 35001 -  40000                 $37,295        $1,198                   3.58                     
  $ 40001 -  45000                 $42,912        $1,971                   3.53                     
  $ 45001 -  50000                 $47,606        $2,650                   3.49                     
  $ 50001 -  75000                 $59,295        $4,337                   3.64                     
  $ 75001 - 100000                 $84,488        $9,890                   3.46                     
  $100001 - 250000                $122,742       $20,461                   3.22                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $29,388        $1,530                   2.61                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   HOLLADAY UT                                                      
                        _________________________________________________                           
  UNDER $1               27   $-21,012,003          $422     -0.00          31                      
  $     1  -  5000      271       $721,023        $3,158      0.44         154                      
  $  5001 -  10000      221     $1,634,749       $22,264      1.36         223                      
  $ 10001 -  15000      254     $3,171,945       $85,431      2.69         352                      
  $ 15001 -  20000      186     $3,295,687      $131,868      4.00         299                      
  $ 20001 -  25000      175     $3,936,331      $201,025      5.11         300                      
  $ 25001 -  30000      177     $4,816,687      $268,034      5.56         328                      
  $ 30001 -  35000      126     $4,103,148      $229,779      5.60         269                      
  $ 35001 -  40000      124     $4,633,107      $313,318      6.76         278                      
  $ 40001 -  45000      116     $4,931,934      $380,241      7.71         254                      
  $ 45001 -  50000      103     $4,876,801      $391,633      8.03         234                      
  $ 50001 -  75000      254    $15,533,446    $1,343,352      8.65         678                      
  $ 75001 - 100000      151    $13,029,349    $1,337,428     10.26         459                      
  $100001 - 250000      180    $25,144,818    $3,686,279     14.66         618                      
  OVER $250,000          27    $20,272,313    $5,463,861     26.95         101                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,392     $89,089,335   $13,858,093     15.56        4,578                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1           -23.6           0.0                    0.7                     
  $     1  -  5000    11.3             0.8           0.0                    3.4                     
  $  5001 -  10000     9.2             1.8           0.2                    4.9                     
  $ 10001 -  15000    10.6             3.6           0.6                    7.7                     
  $ 15001 -  20000     7.8             3.7           1.0                    6.5                     
  $ 20001 -  25000     7.3             4.4           1.5                    6.6                     
  $ 25001 -  30000     7.4             5.4           1.9                    7.2                     
  $ 30001 -  35000     5.3             4.6           1.7                    5.9                     
  $ 35001 -  40000     5.2             5.2           2.3                    6.1                     
  $ 40001 -  45000     4.8             5.5           2.7                    5.5                     
  $ 45001 -  50000     4.3             5.5           2.8                    5.1                     
  $ 50001 -  75000    10.6            17.4           9.7                   14.8                     
  $ 75001 - 100000     6.3            14.6           9.7                   10.0                     
  $100001 - 250000     7.5            28.2          26.6                   13.5                     
  OVER $250,000        1.1            22.8          39.4                    2.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-778222           $16                   1.15                     
  $     1  -  5000                  $2,661           $12                   0.57                     
  $  5001 -  10000                  $7,397          $101                   1.01                     
  $ 10001 -  15000                 $12,488          $336                   1.39                     
  $ 15001 -  20000                 $17,719          $709                   1.61                     
  $ 20001 -  25000                 $22,493        $1,149                   1.71                     
  $ 25001 -  30000                 $27,213        $1,514                   1.85                     
  $ 30001 -  35000                 $32,565        $1,824                   2.13                     
  $ 35001 -  40000                 $37,364        $2,527                   2.24                     
  $ 40001 -  45000                 $42,517        $3,278                   2.19                     
  $ 45001 -  50000                 $47,348        $3,802                   2.27                     
  $ 50001 -  75000                 $61,155        $5,289                   2.67                     
  $ 75001 - 100000                 $86,287        $8,857                   3.04                     
  $100001 - 250000                $139,693       $20,479                   3.43                     
  OVER $250,000                   $750,826      $202,365                   3.74                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $37,245        $5,794                   1.91                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   HOOPER UT                                                        
                        _________________________________________________                           
  UNDER $1               26      $-518,539          $669     -0.13          57                      
  $     1  -  5000      222       $581,753        $3,559      0.61          72                      
  $  5001 -  10000      192     $1,390,869       $25,132      1.81         137                      
  $ 10001 -  15000      152     $1,883,869       $63,128      3.35         188                      
  $ 15001 -  20000      153     $2,662,423      $117,859      4.43         224                      
  $ 20001 -  25000      136     $3,029,678      $172,216      5.68         226                      
  $ 25001 -  30000      120     $3,267,921      $193,198      5.91         220                      
  $ 30001 -  35000       93     $3,025,007      $180,311      5.96         204                      
  $ 35001 -  40000      101     $3,785,896      $185,061      4.89         286                      
  $ 40001 -  45000      120     $5,097,663      $272,521      5.35         355                      
  $ 45001 -  50000       94     $4,458,775      $258,513      5.80         277                      
  $ 50001 -  75000      470    $29,011,660    $2,076,794      7.16       1,572                      
  $ 75001 - 100000      271    $23,169,972    $2,243,886      9.68         970                      
  OVER $100,000         129    $17,320,138    $2,615,622     15.10         457                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,279     $98,167,085    $8,408,469      8.57        5,245                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -0.5           0.0                    1.1                     
  $     1  -  5000     9.7             0.6           0.0                    1.4                     
  $  5001 -  10000     8.4             1.4           0.3                    2.6                     
  $ 10001 -  15000     6.7             1.9           0.8                    3.6                     
  $ 15001 -  20000     6.7             2.7           1.4                    4.3                     
  $ 20001 -  25000     6.0             3.1           2.0                    4.3                     
  $ 25001 -  30000     5.3             3.3           2.3                    4.2                     
  $ 30001 -  35000     4.1             3.1           2.1                    3.9                     
  $ 35001 -  40000     4.4             3.9           2.2                    5.5                     
  $ 40001 -  45000     5.3             5.2           3.2                    6.8                     
  $ 45001 -  50000     4.1             4.5           3.1                    5.3                     
  $ 50001 -  75000    20.6            29.6          24.7                   30.0                     
  $ 75001 - 100000    11.9            23.6          26.7                   18.5                     
  OVER $100,000        5.7            17.6          31.1                    8.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-19,944           $26                   2.19                     
  $     1  -  5000                  $2,621           $16                   0.32                     
  $  5001 -  10000                  $7,244          $131                   0.71                     
  $ 10001 -  15000                 $12,394          $415                   1.24                     
  $ 15001 -  20000                 $17,401          $770                   1.46                     
  $ 20001 -  25000                 $22,277        $1,266                   1.66                     
  $ 25001 -  30000                 $27,233        $1,610                   1.83                     
  $ 30001 -  35000                 $32,527        $1,939                   2.19                     
  $ 35001 -  40000                 $37,484        $1,832                   2.83                     
  $ 40001 -  45000                 $42,481        $2,271                   2.96                     
  $ 45001 -  50000                 $47,434        $2,750                   2.95                     
  $ 50001 -  75000                 $61,727        $4,419                   3.34                     
  $ 75001 - 100000                 $85,498        $8,280                   3.58                     
  OVER $100,000                   $134,265       $20,276                   3.54                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $43,075        $3,690                   2.30                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   HUNTINGTON UT                                                    
                        _________________________________________________                           
  UNDER $1               13      $-108,513          $187     -0.17          29                      
  $     1  -  5000      116       $290,345        $1,499      0.52          82                      
  $  5001 -  10000       95       $703,726        $7,395      1.05         127                      
  $ 10001 -  15000       90     $1,123,609       $23,463      2.09         175                      
  $ 15001 -  20000       74     $1,291,148       $33,079      2.56         166                      
  $ 20001 -  25000       67     $1,498,071       $44,789      2.99         186                      
  $ 25001 -  30000       55     $1,517,257       $56,177      3.70         193                      
  $ 30001 -  35000       57     $1,857,174       $84,496      4.55         171                      
  $ 35001 -  40000       48     $1,801,402       $79,278      4.40         166                      
  $ 40001 -  45000       43     $1,822,620      $103,576      5.68         135                      
  $ 45001 -  50000       50     $2,370,674      $138,976      5.86         169                      
  $ 50001 -  75000      174    $10,526,867      $842,258      8.00         575                      
  $ 75001 - 100000       58     $4,830,976      $517,738     10.72         199                      
  OVER $100,000          32     $4,321,187      $737,927     17.08         111                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                972     $33,846,543    $2,670,838      7.89        2,484                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.3            -0.3           0.0                    1.2                     
  $     1  -  5000    11.9             0.9           0.1                    3.3                     
  $  5001 -  10000     9.8             2.1           0.3                    5.1                     
  $ 10001 -  15000     9.3             3.3           0.9                    7.0                     
  $ 15001 -  20000     7.6             3.8           1.2                    6.7                     
  $ 20001 -  25000     6.9             4.4           1.7                    7.5                     
  $ 25001 -  30000     5.7             4.5           2.1                    7.8                     
  $ 30001 -  35000     5.9             5.5           3.2                    6.9                     
  $ 35001 -  40000     4.9             5.3           3.0                    6.7                     
  $ 40001 -  45000     4.4             5.4           3.9                    5.4                     
  $ 45001 -  50000     5.1             7.0           5.2                    6.8                     
  $ 50001 -  75000    17.9            31.1          31.5                   23.1                     
  $ 75001 - 100000     6.0            14.3          19.4                    8.0                     
  OVER $100,000        3.3            12.8          27.6                    4.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                         $-8,347           $14                   2.23                     
  $     1  -  5000                  $2,503           $13                   0.71                     
  $  5001 -  10000                  $7,408           $78                   1.34                     
  $ 10001 -  15000                 $12,485          $261                   1.94                     
  $ 15001 -  20000                 $17,448          $447                   2.24                     
  $ 20001 -  25000                 $22,359          $668                   2.78                     
  $ 25001 -  30000                 $27,586        $1,021                   3.51                     
  $ 30001 -  35000                 $32,582        $1,482                   3.00                     
  $ 35001 -  40000                 $37,529        $1,652                   3.46                     
  $ 40001 -  45000                 $42,387        $2,409                   3.14                     
  $ 45001 -  50000                 $47,413        $2,780                   3.38                     
  $ 50001 -  75000                 $60,499        $4,841                   3.30                     
  $ 75001 - 100000                 $83,293        $8,927                   3.43                     
  OVER $100,000                   $135,037       $23,060                   3.47                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $34,822        $2,748                   2.56                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   HUNTSVILLE UT                                                    
                        _________________________________________________                           
  UNDER $1               13      $-368,952            $0      0.00          18                      
  $     1  -  5000      102       $261,320        $1,483      0.57          25                      
  $  5001 -  10000       90       $660,721       $12,931      1.96          79                      
  $ 10001 -  15000       78       $978,837       $30,017      3.07          98                      
  $ 15001 -  20000       73     $1,277,146       $54,012      4.23         107                      
  $ 20001 -  25000       42       $938,971       $33,752      3.59          80                      
  $ 25001 -  30000       32       $870,595       $42,737      4.91          77                      
  $ 30001 -  35000       37     $1,210,183       $64,997      5.37          78                      
  $ 35001 -  40000       42     $1,563,547      $104,663      6.69          92                      
  $ 40001 -  45000       41     $1,738,338      $120,916      6.96         105                      
  $ 45001 -  50000       31     $1,465,895       $93,861      6.40          92                      
  $ 50001 -  75000      126     $7,783,230      $576,255      7.40         414                      
  $ 75001 - 100000       70     $5,999,229      $574,059      9.57         259                      
  OVER $100,000          96    $18,392,111    $3,616,094     19.66         350                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                873     $42,771,171    $5,325,777     12.45        1,874                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.5            -0.9           0.0                    1.0                     
  $     1  -  5000    11.7             0.6           0.0                    1.3                     
  $  5001 -  10000    10.3             1.5           0.2                    4.2                     
  $ 10001 -  15000     8.9             2.3           0.6                    5.2                     
  $ 15001 -  20000     8.4             3.0           1.0                    5.7                     
  $ 20001 -  25000     4.8             2.2           0.6                    4.3                     
  $ 25001 -  30000     3.7             2.0           0.8                    4.1                     
  $ 30001 -  35000     4.2             2.8           1.2                    4.2                     
  $ 35001 -  40000     4.8             3.7           2.0                    4.9                     
  $ 40001 -  45000     4.7             4.1           2.3                    5.6                     
  $ 45001 -  50000     3.6             3.4           1.8                    4.9                     
  $ 50001 -  75000    14.4            18.2          10.8                   22.1                     
  $ 75001 - 100000     8.0            14.0          10.8                   13.8                     
  OVER $100,000       11.0            43.0          67.9                   18.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-28,381            $0                   1.38                     
  $     1  -  5000                  $2,562           $15                   0.25                     
  $  5001 -  10000                  $7,341          $144                   0.88                     
  $ 10001 -  15000                 $12,549          $385                   1.26                     
  $ 15001 -  20000                 $17,495          $740                   1.47                     
  $ 20001 -  25000                 $22,356          $804                   1.90                     
  $ 25001 -  30000                 $27,206        $1,336                   2.41                     
  $ 30001 -  35000                 $32,708        $1,757                   2.11                     
  $ 35001 -  40000                 $37,227        $2,492                   2.19                     
  $ 40001 -  45000                 $42,398        $2,949                   2.56                     
  $ 45001 -  50000                 $47,287        $3,028                   2.97                     
  $ 50001 -  75000                 $61,772        $4,573                   3.29                     
  $ 75001 - 100000                 $85,703        $8,201                   3.70                     
  OVER $100,000                   $191,584       $37,668                   3.65                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $48,993        $6,101                   2.15                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   HURRICANE UT                                                     
                        _________________________________________________                           
  UNDER $1               59    $-4,010,480          $635     -0.02         119                      
  $     1  -  5000      331       $891,671        $1,604      0.18         258                      
  $  5001 -  10000      317     $2,418,473       $21,655      0.90         428                      
  $ 10001 -  15000      415     $5,156,485       $99,460      1.93         763                      
  $ 15001 -  20000      368     $6,406,183      $167,648      2.62         797                      
  $ 20001 -  25000      301     $6,772,432      $237,881      3.51         712                      
  $ 25001 -  30000      245     $6,726,010      $252,211      3.75         639                      
  $ 30001 -  35000      212     $6,831,146      $248,994      3.64         606                      
  $ 35001 -  40000      194     $7,243,559      $304,679      4.21         604                      
  $ 40001 -  45000      173     $7,344,615      $354,801      4.83         561                      
  $ 45001 -  50000      137     $6,520,259      $327,381      5.02         466                      
  $ 50001 -  75000      455    $27,492,044    $1,882,344      6.85       1,515                      
  $ 75001 - 100000      146    $12,403,815    $1,218,441      9.82         465                      
  OVER $100,000         101    $17,064,069    $2,795,762     16.38         312                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,454    $109,260,281    $7,913,496      7.24        8,245                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.7            -3.7           0.0                    1.4                     
  $     1  -  5000     9.6             0.8           0.0                    3.1                     
  $  5001 -  10000     9.2             2.2           0.3                    5.2                     
  $ 10001 -  15000    12.0             4.7           1.3                    9.3                     
  $ 15001 -  20000    10.7             5.9           2.1                    9.7                     
  $ 20001 -  25000     8.7             6.2           3.0                    8.6                     
  $ 25001 -  30000     7.1             6.2           3.2                    7.8                     
  $ 30001 -  35000     6.1             6.3           3.1                    7.3                     
  $ 35001 -  40000     5.6             6.6           3.9                    7.3                     
  $ 40001 -  45000     5.0             6.7           4.5                    6.8                     
  $ 45001 -  50000     4.0             6.0           4.1                    5.7                     
  $ 50001 -  75000    13.2            25.2          23.8                   18.4                     
  $ 75001 - 100000     4.2            11.4          15.4                    5.6                     
  OVER $100,000        2.9            15.6          35.3                    3.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-67,974           $11                   2.02                     
  $     1  -  5000                  $2,694            $5                   0.78                     
  $  5001 -  10000                  $7,629           $68                   1.35                     
  $ 10001 -  15000                 $12,425          $240                   1.84                     
  $ 15001 -  20000                 $17,408          $456                   2.17                     
  $ 20001 -  25000                 $22,500          $790                   2.37                     
  $ 25001 -  30000                 $27,453        $1,029                   2.61                     
  $ 30001 -  35000                 $32,222        $1,175                   2.86                     
  $ 35001 -  40000                 $37,338        $1,571                   3.11                     
  $ 40001 -  45000                 $42,454        $2,051                   3.24                     
  $ 45001 -  50000                 $47,593        $2,390                   3.40                     
  $ 50001 -  75000                 $60,422        $4,137                   3.33                     
  $ 75001 - 100000                 $84,958        $8,345                   3.18                     
  OVER $100,000                   $168,951       $27,681                   3.09                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $31,633        $2,291                   2.39                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   HYDE PARK UT                                                     
                        _________________________________________________                           
  UNDER $ 5,000         157       $308,618          $444      0.14          64                      
  $  5001 -  10000      121       $869,294       $15,964      1.84          74                      
  $ 10001 -  15000      101     $1,264,278       $38,383      3.04         121                      
  $ 15001 -  20000       86     $1,507,890       $44,555      2.95         170                      
  $ 20001 -  25000       54     $1,207,492       $48,785      4.04         112                      
  $ 25001 -  30000       48     $1,344,484       $54,029      4.02         121                      
  $ 30001 -  35000       44     $1,440,544       $53,891      3.74         138                      
  $ 35001 -  40000       50     $1,858,692       $71,289      3.84         159                      
  $ 40001 -  45000       49     $2,109,229       $83,794      3.97         195                      
  $ 45001 -  50000       43     $2,031,050       $99,136      4.88         148                      
  $ 50001 -  75000      229    $14,131,686      $866,383      6.13         898                      
  $ 75001 - 100000      119    $10,175,675      $829,158      8.15         481                      
  $100001 - 250000       76    $10,140,683    $1,400,496     13.81         294                      
  OVER $250,000          10     $3,605,446      $766,941     21.27          40                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,187     $51,995,061    $4,373,248      8.41        3,015                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       13.2             0.6           0.0                    2.1                     
  $  5001 -  10000    10.2             1.7           0.4                    2.5                     
  $ 10001 -  15000     8.5             2.4           0.9                    4.0                     
  $ 15001 -  20000     7.2             2.9           1.0                    5.6                     
  $ 20001 -  25000     4.5             2.3           1.1                    3.7                     
  $ 25001 -  30000     4.0             2.6           1.2                    4.0                     
  $ 30001 -  35000     3.7             2.8           1.2                    4.6                     
  $ 35001 -  40000     4.2             3.6           1.6                    5.3                     
  $ 40001 -  45000     4.1             4.1           1.9                    6.5                     
  $ 45001 -  50000     3.6             3.9           2.3                    4.9                     
  $ 50001 -  75000    19.3            27.2          19.8                   29.8                     
  $ 75001 - 100000    10.0            19.6          19.0                   16.0                     
  $100001 - 250000     6.4            19.5          32.0                    9.8                     
  OVER $250,000        0.8             6.9          17.5                    1.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $1,966            $3                   0.41                     
  $  5001 -  10000                  $7,184          $132                   0.61                     
  $ 10001 -  15000                 $12,518          $380                   1.20                     
  $ 15001 -  20000                 $17,534          $518                   1.98                     
  $ 20001 -  25000                 $22,361          $903                   2.07                     
  $ 25001 -  30000                 $28,010        $1,126                   2.52                     
  $ 30001 -  35000                 $32,740        $1,225                   3.14                     
  $ 35001 -  40000                 $37,174        $1,426                   3.18                     
  $ 40001 -  45000                 $43,045        $1,710                   3.98                     
  $ 45001 -  50000                 $47,234        $2,305                   3.44                     
  $ 50001 -  75000                 $61,710        $3,783                   3.92                     
  $ 75001 - 100000                 $85,510        $6,968                   4.04                     
  $100001 - 250000                $133,430       $18,428                   3.87                     
  OVER $250,000                   $360,545       $76,694                   4.00                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $43,804        $3,684                   2.54                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   HYRUM UT                                                         
                        _________________________________________________                           
  UNDER $1               10    $-1,779,833            $0      0.00          24                      
  $     1  -  5000      218       $596,587          $519      0.09         127                      
  $  5001 -  10000      232     $1,747,447       $33,248      1.90         203                      
  $ 10001 -  15000      209     $2,604,707       $56,530      2.17         362                      
  $ 15001 -  20000      198     $3,475,069      $113,587      3.27         425                      
  $ 20001 -  25000      185     $4,152,898      $132,928      3.20         471                      
  $ 25001 -  30000      152     $4,160,894      $137,141      3.30         472                      
  $ 30001 -  35000      168     $5,460,235      $189,513      3.47         540                      
  $ 35001 -  40000      169     $6,347,632      $231,577      3.65         611                      
  $ 40001 -  45000      152     $6,471,639      $256,257      3.96         579                      
  $ 45001 -  50000      128     $6,070,172      $263,958      4.35         504                      
  $ 50001 -  75000      441    $26,735,725    $1,649,377      6.17       1,712                      
  $ 75001 - 100000      115     $9,693,281      $953,931      9.84         422                      
  OVER $100,000          52    $10,306,669    $1,752,985     17.01         185                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,429     $86,043,122    $5,771,551      6.71        6,637                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -2.1           0.0                    0.4                     
  $     1  -  5000     9.0             0.7           0.0                    1.9                     
  $  5001 -  10000     9.6             2.0           0.6                    3.1                     
  $ 10001 -  15000     8.6             3.0           1.0                    5.5                     
  $ 15001 -  20000     8.2             4.0           2.0                    6.4                     
  $ 20001 -  25000     7.6             4.8           2.3                    7.1                     
  $ 25001 -  30000     6.3             4.8           2.4                    7.1                     
  $ 30001 -  35000     6.9             6.3           3.3                    8.1                     
  $ 35001 -  40000     7.0             7.4           4.0                    9.2                     
  $ 40001 -  45000     6.3             7.5           4.4                    8.7                     
  $ 45001 -  50000     5.3             7.1           4.6                    7.6                     
  $ 50001 -  75000    18.2            31.1          28.6                   25.8                     
  $ 75001 - 100000     4.7            11.3          16.5                    6.4                     
  OVER $100,000        2.1            12.0          30.4                    2.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-177983            $0                   2.40                     
  $     1  -  5000                  $2,737            $2                   0.58                     
  $  5001 -  10000                  $7,532          $143                   0.88                     
  $ 10001 -  15000                 $12,463          $270                   1.73                     
  $ 15001 -  20000                 $17,551          $574                   2.15                     
  $ 20001 -  25000                 $22,448          $719                   2.55                     
  $ 25001 -  30000                 $27,374          $902                   3.11                     
  $ 30001 -  35000                 $32,501        $1,128                   3.21                     
  $ 35001 -  40000                 $37,560        $1,370                   3.62                     
  $ 40001 -  45000                 $42,577        $1,686                   3.81                     
  $ 45001 -  50000                 $47,423        $2,062                   3.94                     
  $ 50001 -  75000                 $60,625        $3,740                   3.88                     
  $ 75001 - 100000                 $84,289        $8,295                   3.67                     
  OVER $100,000                   $198,205       $33,711                   3.56                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $35,423        $2,376                   2.73                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   IVINS UT                                                         
                        _________________________________________________                           
  UNDER $1               14      $-293,367          $721     -0.25          27                      
  $     1  -  5000      181       $502,120          $965      0.19         109                      
  $  5001 -  10000      153     $1,142,235       $15,216      1.33         152                      
  $ 10001 -  15000      171     $2,146,870       $47,439      2.21         269                      
  $ 15001 -  20000      160     $2,783,961       $73,873      2.65         323                      
  $ 20001 -  25000      167     $3,729,618      $135,049      3.62         384                      
  $ 25001 -  30000      123     $3,398,497      $125,975      3.71         316                      
  $ 30001 -  35000      119     $3,856,231      $171,381      4.44         338                      
  $ 35001 -  40000      121     $4,532,591      $199,209      4.40         350                      
  $ 40001 -  45000      122     $5,197,403      $233,096      4.48         401                      
  $ 45001 -  50000      105     $4,994,061      $259,377      5.19         338                      
  $ 50001 -  75000      318    $19,345,723    $1,379,861      7.13         998                      
  $ 75001 - 100000      118    $10,049,386    $1,087,176     10.82         344                      
  $100001 - 250000       72     $9,718,099    $1,449,279     14.91         219                      
  OVER $250,000          11     $6,792,541    $1,762,543     25.95          31                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,955     $77,895,969    $6,941,160      8.91        4,599                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.7            -0.4           0.0                    0.6                     
  $     1  -  5000     9.3             0.6           0.0                    2.4                     
  $  5001 -  10000     7.8             1.5           0.2                    3.3                     
  $ 10001 -  15000     8.7             2.8           0.7                    5.8                     
  $ 15001 -  20000     8.2             3.6           1.1                    7.0                     
  $ 20001 -  25000     8.5             4.8           1.9                    8.3                     
  $ 25001 -  30000     6.3             4.4           1.8                    6.9                     
  $ 30001 -  35000     6.1             5.0           2.5                    7.3                     
  $ 35001 -  40000     6.2             5.8           2.9                    7.6                     
  $ 40001 -  45000     6.2             6.7           3.4                    8.7                     
  $ 45001 -  50000     5.4             6.4           3.7                    7.3                     
  $ 50001 -  75000    16.3            24.8          19.9                   21.7                     
  $ 75001 - 100000     6.0            12.9          15.7                    7.5                     
  $100001 - 250000     3.7            12.5          20.9                    4.8                     
  OVER $250,000        0.6             8.7          25.4                    0.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-20,955           $52                   1.93                     
  $     1  -  5000                  $2,774            $5                   0.60                     
  $  5001 -  10000                  $7,466           $99                   0.99                     
  $ 10001 -  15000                 $12,555          $277                   1.57                     
  $ 15001 -  20000                 $17,400          $462                   2.02                     
  $ 20001 -  25000                 $22,333          $809                   2.30                     
  $ 25001 -  30000                 $27,630        $1,024                   2.57                     
  $ 30001 -  35000                 $32,405        $1,440                   2.84                     
  $ 35001 -  40000                 $37,459        $1,646                   2.89                     
  $ 40001 -  45000                 $42,602        $1,911                   3.29                     
  $ 45001 -  50000                 $47,562        $2,470                   3.22                     
  $ 50001 -  75000                 $60,836        $4,339                   3.14                     
  $ 75001 - 100000                 $85,164        $9,213                   2.92                     
  $100001 - 250000                $134,974       $20,129                   3.04                     
  OVER $250,000                   $617,504      $160,231                   2.82                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,844        $3,550                   2.35                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   KAMAS UT                                                         
                        _________________________________________________                           
  UNDER $1               23      $-359,116            $0      0.00          61                      
  $     1  -  5000      182       $497,232        $3,118      0.63          92                      
  $  5001 -  10000      183     $1,384,907       $19,073      1.38         202                      
  $ 10001 -  15000      129     $1,602,920       $34,687      2.16         233                      
  $ 15001 -  20000      139     $2,438,665       $88,114      3.61         261                      
  $ 20001 -  25000      106     $2,403,603      $101,448      4.22         224                      
  $ 25001 -  30000      107     $2,936,780      $131,718      4.49         252                      
  $ 30001 -  35000       93     $3,037,492      $144,777      4.77         253                      
  $ 35001 -  40000       87     $3,269,852      $175,594      5.37         227                      
  $ 40001 -  45000       70     $2,956,274      $134,490      4.55         243                      
  $ 45001 -  50000       80     $3,796,959      $209,600      5.52         260                      
  $ 50001 -  75000      270    $16,361,252    $1,120,515      6.85         890                      
  $ 75001 - 100000      103     $8,742,250      $803,163      9.19         357                      
  OVER $100,000          73    $12,538,810    $2,055,322     16.39         239                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,645     $61,607,880    $5,021,619      8.15        3,794                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.4            -0.6           0.0                    1.6                     
  $     1  -  5000    11.1             0.8           0.1                    2.4                     
  $  5001 -  10000    11.1             2.2           0.4                    5.3                     
  $ 10001 -  15000     7.8             2.6           0.7                    6.1                     
  $ 15001 -  20000     8.4             4.0           1.8                    6.9                     
  $ 20001 -  25000     6.4             3.9           2.0                    5.9                     
  $ 25001 -  30000     6.5             4.8           2.6                    6.6                     
  $ 30001 -  35000     5.7             4.9           2.9                    6.7                     
  $ 35001 -  40000     5.3             5.3           3.5                    6.0                     
  $ 40001 -  45000     4.3             4.8           2.7                    6.4                     
  $ 45001 -  50000     4.9             6.2           4.2                    6.9                     
  $ 50001 -  75000    16.4            26.6          22.3                   23.5                     
  $ 75001 - 100000     6.3            14.2          16.0                    9.4                     
  OVER $100,000        4.4            20.4          40.9                    6.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-15,614            $0                   2.65                     
  $     1  -  5000                  $2,732           $17                   0.51                     
  $  5001 -  10000                  $7,568          $104                   1.10                     
  $ 10001 -  15000                 $12,426          $269                   1.81                     
  $ 15001 -  20000                 $17,544          $634                   1.88                     
  $ 20001 -  25000                 $22,676          $957                   2.11                     
  $ 25001 -  30000                 $27,447        $1,231                   2.36                     
  $ 30001 -  35000                 $32,661        $1,557                   2.72                     
  $ 35001 -  40000                 $37,585        $2,018                   2.61                     
  $ 40001 -  45000                 $42,232        $1,921                   3.47                     
  $ 45001 -  50000                 $47,462        $2,620                   3.25                     
  $ 50001 -  75000                 $60,597        $4,150                   3.30                     
  $ 75001 - 100000                 $84,876        $7,798                   3.47                     
  OVER $100,000                   $171,765       $28,155                   3.27                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $37,452        $3,053                   2.31                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   KANAB UT                                                         
                        _________________________________________________                           
  UNDER $1               35    $-1,113,567           $11     -0.00          60                      
  $     1  -  5000      209       $523,215          $234      0.04         125                      
  $  5001 -  10000      144     $1,094,933       $11,506      1.05         176                      
  $ 10001 -  15000      184     $2,292,346       $44,992      1.96         305                      
  $ 15001 -  20000      162     $2,839,198       $88,828      3.13         300                      
  $ 20001 -  25000      139     $3,129,210      $119,974      3.83         306                      
  $ 25001 -  30000      103     $2,831,794      $129,374      4.57         242                      
  $ 30001 -  35000      116     $3,783,552      $185,609      4.91         302                      
  $ 35001 -  40000       86     $3,207,901      $195,135      6.08         198                      
  $ 40001 -  45000       72     $3,049,061      $169,254      5.55         229                      
  $ 45001 -  50000       66     $3,115,014      $209,123      6.71         188                      
  $ 50001 -  75000      226    $13,868,504    $1,066,092      7.69         702                      
  $ 75001 - 100000       69     $5,826,500      $668,057     11.47         200                      
  OVER $100,000          42     $8,092,057    $1,498,726     18.52         124                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,653     $52,539,718    $4,386,915      8.35        3,457                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             2.1            -2.1           0.0                    1.7                     
  $     1  -  5000    12.6             1.0           0.0                    3.6                     
  $  5001 -  10000     8.7             2.1           0.3                    5.1                     
  $ 10001 -  15000    11.1             4.4           1.0                    8.8                     
  $ 15001 -  20000     9.8             5.4           2.0                    8.7                     
  $ 20001 -  25000     8.4             6.0           2.7                    8.9                     
  $ 25001 -  30000     6.2             5.4           2.9                    7.0                     
  $ 30001 -  35000     7.0             7.2           4.2                    8.7                     
  $ 35001 -  40000     5.2             6.1           4.4                    5.7                     
  $ 40001 -  45000     4.4             5.8           3.9                    6.6                     
  $ 45001 -  50000     4.0             5.9           4.8                    5.4                     
  $ 50001 -  75000    13.7            26.4          24.3                   20.3                     
  $ 75001 - 100000     4.2            11.1          15.2                    5.8                     
  OVER $100,000        2.5            15.4          34.2                    3.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-31,816            $0                   1.71                     
  $     1  -  5000                  $2,503            $1                   0.60                     
  $  5001 -  10000                  $7,604           $80                   1.22                     
  $ 10001 -  15000                 $12,458          $245                   1.66                     
  $ 15001 -  20000                 $17,526          $548                   1.85                     
  $ 20001 -  25000                 $22,512          $863                   2.20                     
  $ 25001 -  30000                 $27,493        $1,256                   2.35                     
  $ 30001 -  35000                 $32,617        $1,600                   2.60                     
  $ 35001 -  40000                 $37,301        $2,269                   2.30                     
  $ 40001 -  45000                 $42,348        $2,351                   3.18                     
  $ 45001 -  50000                 $47,197        $3,169                   2.85                     
  $ 50001 -  75000                 $61,365        $4,717                   3.11                     
  $ 75001 - 100000                 $84,442        $9,682                   2.90                     
  OVER $100,000                   $192,668       $35,684                   2.95                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $31,784        $2,654                   2.09                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   KAYSVILLE UT                                                     
                        _________________________________________________                           
  UNDER $1               76    $-3,487,802       $29,023     -0.83         135                      
  $     1  -  5000    1,090     $2,792,381        $8,900      0.32         330                      
  $  5001 -  10000      812     $5,998,929      $132,656      2.21         543                      
  $ 10001 -  15000      615     $7,635,559      $234,538      3.07         744                      
  $ 15001 -  20000      474     $8,191,068      $304,559      3.72         758                      
  $ 20001 -  25000      443     $9,912,100      $449,594      4.54         863                      
  $ 25001 -  30000      401    $11,059,559      $524,438      4.74         921                      
  $ 30001 -  35000      349    $11,341,646      $581,669      5.13         862                      
  $ 35001 -  40000      326    $12,216,893      $590,902      4.84         900                      
  $ 40001 -  45000      339    $14,442,403      $707,372      4.90       1,039                      
  $ 45001 -  50000      329    $15,605,472      $865,635      5.55       1,028                      
  $ 50001 -  75000    1,497    $93,421,360    $5,642,319      6.04       5,686                      
  $ 75001 - 100000    1,006    $86,586,578    $7,170,607      8.28       4,057                      
  $100001 - 250000      805   $105,808,934   $13,931,684     13.17       3,266                      
  OVER $250,000          80    $45,763,558   $11,787,366     25.76         339                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,642    $427,288,638   $42,961,262     10.05       21,471                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.9            -0.8           0.1                    0.6                     
  $     1  -  5000    12.6             0.7           0.0                    1.5                     
  $  5001 -  10000     9.4             1.4           0.3                    2.5                     
  $ 10001 -  15000     7.1             1.8           0.5                    3.5                     
  $ 15001 -  20000     5.5             1.9           0.7                    3.5                     
  $ 20001 -  25000     5.1             2.3           1.0                    4.0                     
  $ 25001 -  30000     4.6             2.6           1.2                    4.3                     
  $ 30001 -  35000     4.0             2.7           1.4                    4.0                     
  $ 35001 -  40000     3.8             2.9           1.4                    4.2                     
  $ 40001 -  45000     3.9             3.4           1.6                    4.8                     
  $ 45001 -  50000     3.8             3.7           2.0                    4.8                     
  $ 50001 -  75000    17.3            21.9          13.1                   26.5                     
  $ 75001 - 100000    11.6            20.3          16.7                   18.9                     
  $100001 - 250000     9.3            24.8          32.4                   15.2                     
  OVER $250,000        0.9            10.7          27.4                    1.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-45,892          $382                   1.78                     
  $     1  -  5000                  $2,562            $8                   0.30                     
  $  5001 -  10000                  $7,388          $163                   0.67                     
  $ 10001 -  15000                 $12,416          $381                   1.21                     
  $ 15001 -  20000                 $17,281          $643                   1.60                     
  $ 20001 -  25000                 $22,375        $1,015                   1.95                     
  $ 25001 -  30000                 $27,580        $1,308                   2.30                     
  $ 30001 -  35000                 $32,498        $1,667                   2.47                     
  $ 35001 -  40000                 $37,475        $1,813                   2.76                     
  $ 40001 -  45000                 $42,603        $2,087                   3.06                     
  $ 45001 -  50000                 $47,433        $2,631                   3.12                     
  $ 50001 -  75000                 $62,406        $3,769                   3.80                     
  $ 75001 - 100000                 $86,070        $7,128                   4.03                     
  $100001 - 250000                $131,440       $17,306                   4.06                     
  OVER $250,000                   $572,044      $147,342                   4.24                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $49,443        $4,971                   2.48                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   KEARNS UT                                                        
                        _________________________________________________                           
  UNDER $1               29      $-399,039          $300     -0.08          60                      
  $     1  -  5000      876     $2,454,228        $1,897      0.08         763                      
  $  5001 -  10000    1,144     $8,626,187       $86,117      1.00       1,575                      
  $ 10001 -  15000    1,197    $14,991,596      $302,786      2.02       2,238                      
  $ 15001 -  20000    1,264    $22,084,973      $587,654      2.66       2,876                      
  $ 20001 -  25000    1,203    $26,915,782      $903,615      3.36       2,980                      
  $ 25001 -  30000      948    $25,912,362      $994,350      3.84       2,569                      
  $ 30001 -  35000      812    $26,289,216    $1,196,326      4.55       2,277                      
  $ 35001 -  40000      786    $29,424,541    $1,429,321      4.86       2,367                      
  $ 40001 -  45000      655    $27,789,440    $1,393,912      5.02       2,152                      
  $ 45001 -  50000      566    $26,821,478    $1,496,502      5.58       1,910                      
  $ 50001 -  75000    1,642    $99,027,937    $6,938,880      7.01       5,708                      
  $ 75001 - 100000      395    $33,213,975    $3,499,885     10.54       1,309                      
  OVER $100,000          89    $11,159,488    $1,737,664     15.57         289                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             11,606    $354,312,164   $20,569,209      5.81       29,073                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.2            -0.1           0.0                    0.2                     
  $     1  -  5000     7.5             0.7           0.0                    2.6                     
  $  5001 -  10000     9.9             2.4           0.4                    5.4                     
  $ 10001 -  15000    10.3             4.2           1.5                    7.7                     
  $ 15001 -  20000    10.9             6.2           2.9                    9.9                     
  $ 20001 -  25000    10.4             7.6           4.4                   10.3                     
  $ 25001 -  30000     8.2             7.3           4.8                    8.8                     
  $ 30001 -  35000     7.0             7.4           5.8                    7.8                     
  $ 35001 -  40000     6.8             8.3           6.9                    8.1                     
  $ 40001 -  45000     5.6             7.8           6.8                    7.4                     
  $ 45001 -  50000     4.9             7.6           7.3                    6.6                     
  $ 50001 -  75000    14.1            27.9          33.7                   19.6                     
  $ 75001 - 100000     3.4             9.4          17.0                    4.5                     
  OVER $100,000        0.8             3.1           8.4                    1.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-13,760           $10                   2.07                     
  $     1  -  5000                  $2,802            $2                   0.87                     
  $  5001 -  10000                  $7,540           $75                   1.38                     
  $ 10001 -  15000                 $12,524          $253                   1.87                     
  $ 15001 -  20000                 $17,472          $465                   2.28                     
  $ 20001 -  25000                 $22,374          $751                   2.48                     
  $ 25001 -  30000                 $27,334        $1,049                   2.71                     
  $ 30001 -  35000                 $32,376        $1,473                   2.80                     
  $ 35001 -  40000                 $37,436        $1,818                   3.01                     
  $ 40001 -  45000                 $42,427        $2,128                   3.29                     
  $ 45001 -  50000                 $47,388        $2,644                   3.37                     
  $ 50001 -  75000                 $60,309        $4,226                   3.48                     
  $ 75001 - 100000                 $84,086        $8,860                   3.31                     
  OVER $100,000                   $125,388       $19,524                   3.25                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,528        $1,772                   2.50                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   LAVERKIN UT                                                      
                        _________________________________________________                           
  UNDER $1               12      $-189,505            $0      0.00          20                      
  $     1  -  5000      124       $341,104          $249      0.07          88                      
  $  5001 -  10000      167     $1,242,848       $11,831      0.95         198                      
  $ 10001 -  15000      135     $1,647,378       $28,314      1.72         259                      
  $ 15001 -  20000      116     $2,022,701       $50,991      2.52         268                      
  $ 20001 -  25000      107     $2,391,177       $80,270      3.36         246                      
  $ 25001 -  30000       91     $2,484,334       $83,152      3.35         263                      
  $ 30001 -  35000       86     $2,789,522      $104,180      3.73         267                      
  $ 35001 -  40000       61     $2,297,065       $81,819      3.56         217                      
  $ 40001 -  45000       68     $2,910,594      $124,548      4.28         237                      
  $ 45001 -  50000       63     $2,993,980      $138,154      4.61         248                      
  $ 50001 -  75000      137     $8,261,910      $536,776      6.50         516                      
  $ 75001 - 100000       29     $2,445,556      $209,652      8.57          96                      
  OVER $100,000          23     $3,655,562      $574,588     15.72          83                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,219     $35,294,226    $2,024,524      5.74        3,006                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.0            -0.5           0.0                    0.7                     
  $     1  -  5000    10.2             1.0           0.0                    2.9                     
  $  5001 -  10000    13.7             3.5           0.6                    6.6                     
  $ 10001 -  15000    11.1             4.7           1.4                    8.6                     
  $ 15001 -  20000     9.5             5.7           2.5                    8.9                     
  $ 20001 -  25000     8.8             6.8           4.0                    8.2                     
  $ 25001 -  30000     7.5             7.0           4.1                    8.7                     
  $ 30001 -  35000     7.1             7.9           5.1                    8.9                     
  $ 35001 -  40000     5.0             6.5           4.0                    7.2                     
  $ 40001 -  45000     5.6             8.2           6.2                    7.9                     
  $ 45001 -  50000     5.2             8.5           6.8                    8.3                     
  $ 50001 -  75000    11.2            23.4          26.5                   17.2                     
  $ 75001 - 100000     2.4             6.9          10.4                    3.2                     
  OVER $100,000        1.9            10.4          28.4                    2.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-15,792            $0                   1.67                     
  $     1  -  5000                  $2,751            $2                   0.71                     
  $  5001 -  10000                  $7,442           $71                   1.19                     
  $ 10001 -  15000                 $12,203          $210                   1.92                     
  $ 15001 -  20000                 $17,437          $440                   2.31                     
  $ 20001 -  25000                 $22,347          $750                   2.30                     
  $ 25001 -  30000                 $27,300          $914                   2.89                     
  $ 30001 -  35000                 $32,436        $1,211                   3.10                     
  $ 35001 -  40000                 $37,657        $1,341                   3.56                     
  $ 40001 -  45000                 $42,803        $1,832                   3.49                     
  $ 45001 -  50000                 $47,523        $2,193                   3.94                     
  $ 50001 -  75000                 $60,306        $3,918                   3.77                     
  $ 75001 - 100000                 $84,330        $7,229                   3.31                     
  OVER $100,000                   $158,937       $24,982                   3.61                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $28,953        $1,661                   2.47                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   LAYTON UT                                                        
                        _________________________________________________                           
  UNDER $1              151    $-4,061,350       $10,886     -0.27         294                      
  $     1  -  5000    2,338     $6,314,424       $12,023      0.19       1,134                      
  $  5001 -  10000    2,088    $15,500,545      $260,267      1.68       1,934                      
  $ 10001 -  15000    1,753    $21,893,791      $619,825      2.83       2,417                      
  $ 15001 -  20000    1,816    $31,715,812    $1,263,642      3.98       2,972                      
  $ 20001 -  25000    1,646    $36,913,448    $1,733,119      4.70       3,055                      
  $ 25001 -  30000    1,489    $40,860,853    $2,131,305      5.22       3,190                      
  $ 30001 -  35000    1,234    $40,079,241    $2,209,629      5.51       2,841                      
  $ 35001 -  40000    1,216    $45,559,719    $2,522,149      5.54       3,193                      
  $ 40001 -  45000    1,141    $48,369,493    $2,775,440      5.74       3,254                      
  $ 45001 -  50000    1,146    $54,410,507    $3,474,963      6.39       3,295                      
  $ 50001 -  75000    4,332   $266,149,640   $19,244,076      7.23      14,252                      
  $ 75001 - 100000    2,287   $196,286,502   $19,380,377      9.87       7,969                      
  $100001 - 250000    1,621   $213,323,849   $30,922,245     14.50       5,827                      
  OVER $250,000         113    $57,012,262   $14,946,811     26.22         425                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             24,371  $1,070,328,736  $101,506,757      9.48       56,052                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.6            -0.4           0.0                    0.5                     
  $     1  -  5000     9.6             0.6           0.0                    2.0                     
  $  5001 -  10000     8.6             1.4           0.3                    3.5                     
  $ 10001 -  15000     7.2             2.0           0.6                    4.3                     
  $ 15001 -  20000     7.5             3.0           1.2                    5.3                     
  $ 20001 -  25000     6.8             3.4           1.7                    5.5                     
  $ 25001 -  30000     6.1             3.8           2.1                    5.7                     
  $ 30001 -  35000     5.1             3.7           2.2                    5.1                     
  $ 35001 -  40000     5.0             4.3           2.5                    5.7                     
  $ 40001 -  45000     4.7             4.5           2.7                    5.8                     
  $ 45001 -  50000     4.7             5.1           3.4                    5.9                     
  $ 50001 -  75000    17.8            24.9          19.0                   25.4                     
  $ 75001 - 100000     9.4            18.3          19.1                   14.2                     
  $100001 - 250000     6.7            19.9          30.5                   10.4                     
  OVER $250,000        0.5             5.3          14.7                    0.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-26,896           $72                   1.95                     
  $     1  -  5000                  $2,701            $5                   0.49                     
  $  5001 -  10000                  $7,424          $125                   0.93                     
  $ 10001 -  15000                 $12,489          $354                   1.38                     
  $ 15001 -  20000                 $17,465          $696                   1.64                     
  $ 20001 -  25000                 $22,426        $1,053                   1.86                     
  $ 25001 -  30000                 $27,442        $1,431                   2.14                     
  $ 30001 -  35000                 $32,479        $1,791                   2.30                     
  $ 35001 -  40000                 $37,467        $2,074                   2.63                     
  $ 40001 -  45000                 $42,392        $2,432                   2.85                     
  $ 45001 -  50000                 $47,479        $3,032                   2.88                     
  $ 50001 -  75000                 $61,438        $4,442                   3.29                     
  $ 75001 - 100000                 $85,827        $8,474                   3.48                     
  $100001 - 250000                $131,600       $19,076                   3.59                     
  OVER $250,000                   $504,533      $132,273                   3.76                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $43,918        $4,165                   2.30                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                              
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   LEHI UT                                                          
                        _________________________________________________                           
  UNDER $1               71   $-88,166,905        $4,173     -0.00         154                      
  $     1  -  5000      727     $2,040,858        $5,759      0.28         396                      
  $  5001 -  10000      628     $4,645,849       $71,502      1.54         664                      
  $ 10001 -  15000      576     $7,140,507      $184,820      2.59         965                      
  $ 15001 -  20000      556     $9,714,922      $322,995      3.32       1,063                      
  $ 20001 -  25000      518    $11,584,596      $434,388      3.75       1,201                      
  $ 25001 -  30000      454    $12,477,252      $496,636      3.98       1,160                      
  $ 30001 -  35000      443    $14,395,397      $529,836      3.68       1,318                      
  $ 35001 -  40000      509    $19,102,168      $733,430      3.84       1,615                      
  $ 40001 -  45000      510    $21,655,456      $914,248      4.22       1,711                      
  $ 45001 -  50000      542    $25,802,622    $1,188,250      4.61       1,903                      
  $ 50001 -  75000    1,838   $112,319,739    $6,282,697      5.59       6,996                      
  $ 75001 - 100000      727    $62,269,231    $5,110,233      8.21       2,871                      
  $100001 - 250000      401    $53,027,665    $7,101,380     13.39       1,594                      
  OVER $250,000          33    $15,469,958    $3,786,790     24.48         124                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,533    $283,479,315   $27,167,137      9.58       23,735                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8           -31.1           0.0                    0.6                     
  $     1  -  5000     8.5             0.7           0.0                    1.7                     
  $  5001 -  10000     7.4             1.6           0.3                    2.8                     
  $ 10001 -  15000     6.8             2.5           0.7                    4.1                     
  $ 15001 -  20000     6.5             3.4           1.2                    4.5                     
  $ 20001 -  25000     6.1             4.1           1.6                    5.1                     
  $ 25001 -  30000     5.3             4.4           1.8                    4.9                     
  $ 30001 -  35000     5.2             5.1           2.0                    5.6                     
  $ 35001 -  40000     6.0             6.7           2.7                    6.8                     
  $ 40001 -  45000     6.0             7.6           3.4                    7.2                     
  $ 45001 -  50000     6.4             9.1           4.4                    8.0                     
  $ 50001 -  75000    21.5            39.6          23.1                   29.5                     
  $ 75001 - 100000     8.5            22.0          18.8                   12.1                     
  $100001 - 250000     4.7            18.7          26.1                    6.7                     
  OVER $250,000        0.4             5.5          13.9                    0.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        -1241787           $59                   2.17                     
  $     1  -  5000                  $2,807            $8                   0.54                     
  $  5001 -  10000                  $7,398          $114                   1.06                     
  $ 10001 -  15000                 $12,397          $321                   1.68                     
  $ 15001 -  20000                 $17,473          $581                   1.91                     
  $ 20001 -  25000                 $22,364          $839                   2.32                     
  $ 25001 -  30000                 $27,483        $1,094                   2.56                     
  $ 30001 -  35000                 $32,495        $1,196                   2.98                     
  $ 35001 -  40000                 $37,529        $1,441                   3.17                     
  $ 40001 -  45000                 $42,462        $1,793                   3.35                     
  $ 45001 -  50000                 $47,606        $2,192                   3.51                     
  $ 50001 -  75000                 $61,110        $3,418                   3.81                     
  $ 75001 - 100000                 $85,652        $7,029                   3.95                     
  $100001 - 250000                $132,239       $17,709                   3.98                     
  OVER $250,000                   $468,787      $114,751                   3.76                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $33,222        $3,184                   2.78                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   LINDON UT                                                        
                        _________________________________________________                           
  UNDER $1               46    $-2,584,599          $714     -0.03         129                      
  $     1  -  5000      405     $1,077,718        $7,790      0.72         152                      
  $  5001 -  10000      317     $2,335,051       $77,561      3.32         213                      
  $ 10001 -  15000      237     $2,915,202       $90,673      3.11         339                      
  $ 15001 -  20000      196     $3,406,222      $110,914      3.26         357                      
  $ 20001 -  25000      177     $4,020,558      $129,820      3.23         432                      
  $ 25001 -  30000      137     $3,763,984      $139,361      3.70         366                      
  $ 30001 -  35000      107     $3,477,257      $146,709      4.22         305                      
  $ 35001 -  40000      110     $4,139,823      $196,990      4.76         328                      
  $ 40001 -  45000      120     $5,117,285      $199,098      3.89         414                      
  $ 45001 -  50000      107     $5,088,393      $247,556      4.87         364                      
  $ 50001 -  75000      447    $27,502,663    $1,416,956      5.15       1,795                      
  $ 75001 - 100000      277    $24,091,522    $1,781,679      7.40       1,231                      
  $100001 - 250000      272    $38,331,076    $4,872,406     12.71       1,261                      
  OVER $250,000          50    $21,719,644    $5,504,120     25.34         240                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,005    $144,401,799   $14,922,347     10.33        7,926                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.5            -1.8           0.0                    1.6                     
  $     1  -  5000    13.5             0.7           0.1                    1.9                     
  $  5001 -  10000    10.5             1.6           0.5                    2.7                     
  $ 10001 -  15000     7.9             2.0           0.6                    4.3                     
  $ 15001 -  20000     6.5             2.4           0.7                    4.5                     
  $ 20001 -  25000     5.9             2.8           0.9                    5.5                     
  $ 25001 -  30000     4.6             2.6           0.9                    4.6                     
  $ 30001 -  35000     3.6             2.4           1.0                    3.8                     
  $ 35001 -  40000     3.7             2.9           1.3                    4.1                     
  $ 40001 -  45000     4.0             3.5           1.3                    5.2                     
  $ 45001 -  50000     3.6             3.5           1.7                    4.6                     
  $ 50001 -  75000    14.9            19.0           9.5                   22.6                     
  $ 75001 - 100000     9.2            16.7          11.9                   15.5                     
  $100001 - 250000     9.1            26.5          32.7                   15.9                     
  OVER $250,000        1.7            15.0          36.9                    3.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-56,187           $16                   2.80                     
  $     1  -  5000                  $2,661           $19                   0.38                     
  $  5001 -  10000                  $7,366          $245                   0.67                     
  $ 10001 -  15000                 $12,300          $383                   1.43                     
  $ 15001 -  20000                 $17,379          $566                   1.82                     
  $ 20001 -  25000                 $22,715          $733                   2.44                     
  $ 25001 -  30000                 $27,474        $1,017                   2.67                     
  $ 30001 -  35000                 $32,498        $1,371                   2.85                     
  $ 35001 -  40000                 $37,635        $1,791                   2.98                     
  $ 40001 -  45000                 $42,644        $1,659                   3.45                     
  $ 45001 -  50000                 $47,555        $2,314                   3.40                     
  $ 50001 -  75000                 $61,527        $3,170                   4.02                     
  $ 75001 - 100000                 $86,973        $6,432                   4.44                     
  $100001 - 250000                $140,923       $17,913                   4.64                     
  OVER $250,000                   $434,393      $110,082                   4.80                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $48,054        $4,966                   2.64                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   LOGAN UT                                                         
                        _________________________________________________                           
  UNDER $1              151    $-2,328,486           $94     -0.00         254                      
  $     1  -  5000    1,952     $5,354,910       $19,430      0.36       1,407                      
  $  5001 -  10000    2,353    $17,442,255      $235,011      1.35       2,573                      
  $ 10001 -  15000    2,171    $27,066,457      $586,619      2.17       3,463                      
  $ 15001 -  20000    1,798    $31,322,202      $932,354      2.98       3,388                      
  $ 20001 -  25000    1,551    $34,695,340    $1,245,655      3.59       3,318                      
  $ 25001 -  30000    1,179    $32,313,591    $1,365,482      4.23       2,744                      
  $ 30001 -  35000      930    $30,146,347    $1,439,301      4.77       2,338                      
  $ 35001 -  40000      778    $29,086,519    $1,543,648      5.31       2,070                      
  $ 40001 -  45000      624    $26,483,058    $1,538,177      5.81       1,798                      
  $ 45001 -  50000      516    $24,521,461    $1,502,513      6.13       1,648                      
  $ 50001 -  75000    1,677   $101,803,063    $7,752,551      7.62       5,421                      
  $ 75001 - 100000      698    $59,761,110    $6,378,817     10.67       2,275                      
  $100001 - 250000      563    $79,227,016   $12,273,594     15.49       1,842                      
  OVER $250,000          97    $63,145,285   $13,804,162     21.86         347                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             17,038    $560,040,128   $50,617,408      9.04       34,886                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.9            -0.4           0.0                    0.7                     
  $     1  -  5000    11.5             1.0           0.0                    4.0                     
  $  5001 -  10000    13.8             3.1           0.5                    7.4                     
  $ 10001 -  15000    12.7             4.8           1.2                    9.9                     
  $ 15001 -  20000    10.6             5.6           1.8                    9.7                     
  $ 20001 -  25000     9.1             6.2           2.5                    9.5                     
  $ 25001 -  30000     6.9             5.8           2.7                    7.9                     
  $ 30001 -  35000     5.5             5.4           2.8                    6.7                     
  $ 35001 -  40000     4.6             5.2           3.0                    5.9                     
  $ 40001 -  45000     3.7             4.7           3.0                    5.2                     
  $ 45001 -  50000     3.0             4.4           3.0                    4.7                     
  $ 50001 -  75000     9.8            18.2          15.3                   15.5                     
  $ 75001 - 100000     4.1            10.7          12.6                    6.5                     
  $100001 - 250000     3.3            14.1          24.2                    5.3                     
  OVER $250,000        0.6            11.3          27.3                    1.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-15,420            $1                   1.68                     
  $     1  -  5000                  $2,743           $10                   0.72                     
  $  5001 -  10000                  $7,413          $100                   1.09                     
  $ 10001 -  15000                 $12,467          $270                   1.60                     
  $ 15001 -  20000                 $17,421          $519                   1.88                     
  $ 20001 -  25000                 $22,370          $803                   2.14                     
  $ 25001 -  30000                 $27,408        $1,158                   2.33                     
  $ 30001 -  35000                 $32,415        $1,548                   2.51                     
  $ 35001 -  40000                 $37,386        $1,984                   2.66                     
  $ 40001 -  45000                 $42,441        $2,465                   2.88                     
  $ 45001 -  50000                 $47,522        $2,912                   3.19                     
  $ 50001 -  75000                 $60,705        $4,623                   3.23                     
  $ 75001 - 100000                 $85,618        $9,139                   3.26                     
  $100001 - 250000                $140,723       $21,800                   3.27                     
  OVER $250,000                   $650,982      $142,311                   3.58                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $32,870        $2,971                   2.05                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   MAGNA UT                                                         
                        _________________________________________________                           
  UNDER $1               25      $-684,989            $4     -0.00          45                      
  $     1  -  5000      697     $1,936,933        $2,193      0.11         568                      
  $  5001 -  10000      884     $6,572,557       $76,782      1.17       1,094                      
  $ 10001 -  15000      818    $10,279,096      $230,403      2.24       1,426                      
  $ 15001 -  20000      839    $14,694,504      $464,384      3.16       1,717                      
  $ 20001 -  25000      868    $19,522,917      $738,537      3.78       2,070                      
  $ 25001 -  30000      682    $18,733,015      $757,221      4.04       1,777                      
  $ 30001 -  35000      649    $21,094,336      $982,843      4.66       1,745                      
  $ 35001 -  40000      591    $22,182,938    $1,108,866      5.00       1,709                      
  $ 40001 -  45000      547    $23,160,929    $1,257,548      5.43       1,680                      
  $ 45001 -  50000      470    $22,318,220    $1,318,079      5.91       1,497                      
  $ 50001 -  75000    1,459    $87,938,411    $6,276,517      7.14       4,921                      
  $ 75001 - 100000      415    $34,809,513    $3,505,011     10.07       1,385                      
  OVER $100,000         103    $13,430,660    $2,037,700     15.17         334                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              9,047    $295,989,040   $18,756,088      6.34       21,968                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.3            -0.2           0.0                    0.2                     
  $     1  -  5000     7.7             0.7           0.0                    2.6                     
  $  5001 -  10000     9.8             2.2           0.4                    5.0                     
  $ 10001 -  15000     9.0             3.5           1.2                    6.5                     
  $ 15001 -  20000     9.3             5.0           2.5                    7.8                     
  $ 20001 -  25000     9.6             6.6           3.9                    9.4                     
  $ 25001 -  30000     7.5             6.3           4.0                    8.1                     
  $ 30001 -  35000     7.2             7.1           5.2                    7.9                     
  $ 35001 -  40000     6.5             7.5           5.9                    7.8                     
  $ 40001 -  45000     6.0             7.8           6.7                    7.6                     
  $ 45001 -  50000     5.2             7.5           7.0                    6.8                     
  $ 50001 -  75000    16.1            29.7          33.5                   22.4                     
  $ 75001 - 100000     4.6            11.8          18.7                    6.3                     
  OVER $100,000        1.1             4.5          10.9                    1.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-27,400            $0                   1.80                     
  $     1  -  5000                  $2,779            $3                   0.81                     
  $  5001 -  10000                  $7,435           $87                   1.24                     
  $ 10001 -  15000                 $12,566          $282                   1.74                     
  $ 15001 -  20000                 $17,514          $553                   2.05                     
  $ 20001 -  25000                 $22,492          $851                   2.38                     
  $ 25001 -  30000                 $27,468        $1,110                   2.61                     
  $ 30001 -  35000                 $32,503        $1,514                   2.69                     
  $ 35001 -  40000                 $37,535        $1,876                   2.89                     
  $ 40001 -  45000                 $42,342        $2,299                   3.07                     
  $ 45001 -  50000                 $47,486        $2,804                   3.19                     
  $ 50001 -  75000                 $60,273        $4,302                   3.37                     
  $ 75001 - 100000                 $83,878        $8,446                   3.34                     
  OVER $100,000                   $130,395       $19,783                   3.24                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $32,717        $2,073                   2.43                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   MANTI UT                                                         
                        _________________________________________________                           
  UNDER $ 5,000         174        $59,121        $1,029      1.74         146                      
  $  5001 -  10000      113       $826,205        $8,669      1.05         162                      
  $ 10001 -  15000      107     $1,334,105       $26,881      2.01         201                      
  $ 15001 -  20000       95     $1,649,138       $31,614      1.92         241                      
  $ 20001 -  25000       80     $1,798,118       $43,092      2.40         227                      
  $ 25001 -  30000       60     $1,650,763       $61,791      3.74         180                      
  $ 30001 -  35000       54     $1,721,446       $47,978      2.79         189                      
  $ 35001 -  40000       50     $1,889,351       $74,075      3.92         187                      
  $ 40001 -  45000       32     $1,359,214       $47,987      3.53         124                      
  $ 45001 -  50000       51     $2,425,731      $117,610      4.85         198                      
  $ 50001 -  75000      133     $7,984,990      $489,744      6.13         509                      
  $ 75001 - 100000       48     $4,070,514      $365,093      8.97         185                      
  OVER $100,000          20     $3,277,533      $541,675     16.53          65                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,017     $30,046,229    $1,857,238      6.18        2,614                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       17.1             0.2           0.1                    5.6                     
  $  5001 -  10000    11.1             2.7           0.5                    6.2                     
  $ 10001 -  15000    10.5             4.4           1.4                    7.7                     
  $ 15001 -  20000     9.3             5.5           1.7                    9.2                     
  $ 20001 -  25000     7.9             6.0           2.3                    8.7                     
  $ 25001 -  30000     5.9             5.5           3.3                    6.9                     
  $ 30001 -  35000     5.3             5.7           2.6                    7.2                     
  $ 35001 -  40000     4.9             6.3           4.0                    7.2                     
  $ 40001 -  45000     3.1             4.5           2.6                    4.7                     
  $ 45001 -  50000     5.0             8.1           6.3                    7.6                     
  $ 50001 -  75000    13.1            26.6          26.4                   19.5                     
  $ 75001 - 100000     4.7            13.5          19.7                    7.1                     
  OVER $100,000        2.0            10.9          29.2                    2.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                       $340            $6                   0.84                     
  $  5001 -  10000                  $7,312           $77                   1.43                     
  $ 10001 -  15000                 $12,468          $251                   1.88                     
  $ 15001 -  20000                 $17,359          $333                   2.54                     
  $ 20001 -  25000                 $22,476          $539                   2.84                     
  $ 25001 -  30000                 $27,513        $1,030                   3.00                     
  $ 30001 -  35000                 $31,879          $888                   3.50                     
  $ 35001 -  40000                 $37,787        $1,482                   3.74                     
  $ 40001 -  45000                 $42,475        $1,500                   3.88                     
  $ 45001 -  50000                 $47,563        $2,306                   3.88                     
  $ 50001 -  75000                 $60,038        $3,682                   3.83                     
  $ 75001 - 100000                 $84,802        $7,606                   3.85                     
  OVER $100,000                   $163,877       $27,084                   3.25                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $29,544        $1,826                   2.57                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   MAPLETON UT                                                      
                        _________________________________________________                           
  UNDER $1               40    $-1,869,177       $11,132     -0.60          98                      
  $     1  -  5000      312       $822,938        $6,897      0.84         139                      
  $  5001 -  10000      237     $1,746,073       $32,992      1.89         178                      
  $ 10001 -  15000      214     $2,640,398       $65,087      2.47         312                      
  $ 15001 -  20000      161     $2,826,833       $91,122      3.22         311                      
  $ 20001 -  25000      111     $2,499,519       $89,083      3.56         243                      
  $ 25001 -  30000      106     $2,891,570      $121,089      4.19         267                      
  $ 30001 -  35000       85     $2,752,497      $122,689      4.46         229                      
  $ 35001 -  40000       92     $3,425,809      $157,964      4.61         278                      
  $ 40001 -  45000       73     $3,089,132      $142,937      4.63         248                      
  $ 45001 -  50000       95     $4,510,400      $219,962      4.88         301                      
  $ 50001 -  75000      304    $18,803,230    $1,006,724      5.35       1,201                      
  $ 75001 - 100000      241    $20,745,180    $1,570,853      7.57       1,039                      
  $100001 - 250000      198    $27,134,349    $3,493,860     12.88         844                      
  OVER $250,000          32    $15,163,627    $3,783,169     24.95         119                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,301    $107,182,378   $10,915,560     10.18        5,807                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.7            -1.7           0.1                    1.7                     
  $     1  -  5000    13.6             0.8           0.1                    2.4                     
  $  5001 -  10000    10.3             1.6           0.3                    3.1                     
  $ 10001 -  15000     9.3             2.5           0.6                    5.4                     
  $ 15001 -  20000     7.0             2.6           0.8                    5.4                     
  $ 20001 -  25000     4.8             2.3           0.8                    4.2                     
  $ 25001 -  30000     4.6             2.7           1.1                    4.6                     
  $ 30001 -  35000     3.7             2.6           1.1                    3.9                     
  $ 35001 -  40000     4.0             3.2           1.4                    4.8                     
  $ 40001 -  45000     3.2             2.9           1.3                    4.3                     
  $ 45001 -  50000     4.1             4.2           2.0                    5.2                     
  $ 50001 -  75000    13.2            17.5           9.2                   20.7                     
  $ 75001 - 100000    10.5            19.4          14.4                   17.9                     
  $100001 - 250000     8.6            25.3          32.0                   14.5                     
  OVER $250,000        1.4            14.1          34.7                    2.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-46,729          $278                   2.45                     
  $     1  -  5000                  $2,638           $22                   0.45                     
  $  5001 -  10000                  $7,367          $139                   0.75                     
  $ 10001 -  15000                 $12,338          $304                   1.46                     
  $ 15001 -  20000                 $17,558          $566                   1.93                     
  $ 20001 -  25000                 $22,518          $803                   2.19                     
  $ 25001 -  30000                 $27,279        $1,142                   2.52                     
  $ 30001 -  35000                 $32,382        $1,443                   2.69                     
  $ 35001 -  40000                 $37,237        $1,717                   3.02                     
  $ 40001 -  45000                 $42,317        $1,958                   3.40                     
  $ 45001 -  50000                 $47,478        $2,315                   3.17                     
  $ 50001 -  75000                 $61,853        $3,312                   3.95                     
  $ 75001 - 100000                 $86,080        $6,518                   4.31                     
  $100001 - 250000                $137,042       $17,646                   4.26                     
  OVER $250,000                   $473,863      $118,224                   3.72                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $46,581        $4,744                   2.52                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   MIDVALE UT                                                       
                        _________________________________________________                           
  UNDER $1               65   $-32,967,248            $0      0.00          93                      
  $     1  -  5000      823     $2,342,886        $9,621      0.41         784                      
  $  5001 -  10000    1,112     $8,402,140       $79,891      0.95       1,544                      
  $ 10001 -  15000    1,250    $15,584,662      $319,320      2.05       2,190                      
  $ 15001 -  20000    1,249    $21,828,811      $684,217      3.13       2,449                      
  $ 20001 -  25000    1,196    $26,818,241    $1,168,382      4.36       2,499                      
  $ 25001 -  30000    1,054    $28,884,360    $1,603,901      5.55       2,124                      
  $ 30001 -  35000      840    $27,249,302    $1,683,640      6.18       1,748                      
  $ 35001 -  40000      687    $25,665,061    $1,765,882      6.88       1,458                      
  $ 40001 -  45000      618    $26,176,308    $1,914,911      7.32       1,418                      
  $ 45001 -  50000      533    $25,211,167    $2,019,499      8.01       1,218                      
  $ 50001 -  75000    1,467    $88,999,351    $8,341,008      9.37       3,683                      
  $ 75001 - 100000      538    $45,807,403    $5,444,924     11.89       1,437                      
  $100001 - 250000      324    $41,388,077    $6,523,060     15.76         904                      
  OVER $250,000          21     $9,097,827    $2,090,951     22.98          48                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             11,777    $360,488,348   $33,649,207      9.33       23,597                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.6            -9.1           0.0                    0.4                     
  $     1  -  5000     7.0             0.6           0.0                    3.3                     
  $  5001 -  10000     9.4             2.3           0.2                    6.5                     
  $ 10001 -  15000    10.6             4.3           0.9                    9.3                     
  $ 15001 -  20000    10.6             6.1           2.0                   10.4                     
  $ 20001 -  25000    10.2             7.4           3.5                   10.6                     
  $ 25001 -  30000     8.9             8.0           4.8                    9.0                     
  $ 30001 -  35000     7.1             7.6           5.0                    7.4                     
  $ 35001 -  40000     5.8             7.1           5.2                    6.2                     
  $ 40001 -  45000     5.2             7.3           5.7                    6.0                     
  $ 45001 -  50000     4.5             7.0           6.0                    5.2                     
  $ 50001 -  75000    12.5            24.7          24.8                   15.6                     
  $ 75001 - 100000     4.6            12.7          16.2                    6.1                     
  $100001 - 250000     2.8            11.5          19.4                    3.8                     
  OVER $250,000        0.2             2.5           6.2                    0.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-507188            $0                   1.43                     
  $     1  -  5000                  $2,847           $12                   0.95                     
  $  5001 -  10000                  $7,556           $72                   1.39                     
  $ 10001 -  15000                 $12,468          $255                   1.75                     
  $ 15001 -  20000                 $17,477          $548                   1.96                     
  $ 20001 -  25000                 $22,423          $977                   2.09                     
  $ 25001 -  30000                 $27,405        $1,522                   2.02                     
  $ 30001 -  35000                 $32,440        $2,004                   2.08                     
  $ 35001 -  40000                 $37,358        $2,570                   2.12                     
  $ 40001 -  45000                 $42,356        $3,099                   2.29                     
  $ 45001 -  50000                 $47,301        $3,789                   2.29                     
  $ 50001 -  75000                 $60,668        $5,686                   2.51                     
  $ 75001 - 100000                 $85,144       $10,121                   2.67                     
  $100001 - 250000                $127,741       $20,133                   2.79                     
  OVER $250,000                   $433,230       $99,569                   2.29                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,610        $2,857                   2.00                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   MIDWAY UT                                                        
                        _________________________________________________                           
  UNDER $1               21    $-2,406,108           $46     -0.00          64                      
  $     1  -  5000      139       $390,036          $936      0.24          66                      
  $  5001 -  10000      135     $1,003,532       $15,792      1.57         125                      
  $ 10001 -  15000      113     $1,408,558       $27,484      1.95         173                      
  $ 15001 -  20000       91     $1,616,218       $46,956      2.91         199                      
  $ 20001 -  25000       78     $1,759,773       $70,995      4.03         152                      
  $ 25001 -  30000       51     $1,394,508       $57,211      4.10         135                      
  $ 30001 -  35000       57     $1,858,727      $101,730      5.47         121                      
  $ 35001 -  40000       59     $2,199,922      $114,946      5.23         143                      
  $ 40001 -  45000       66     $2,801,797      $155,408      5.55         185                      
  $ 45001 -  50000       45     $2,144,443      $148,884      6.94         114                      
  $ 50001 -  75000      185    $11,210,555      $760,197      6.78         603                      
  $ 75001 - 100000       85     $7,281,933      $662,965      9.10         283                      
  $100001 - 250000       77    $10,703,073    $1,556,433     14.54         257                      
  OVER $250,000          21    $10,270,013    $2,517,698     24.52          70                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,223     $53,636,980    $6,237,681     11.63        2,690                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.7            -4.5           0.0                    2.4                     
  $     1  -  5000    11.4             0.7           0.0                    2.5                     
  $  5001 -  10000    11.0             1.9           0.3                    4.6                     
  $ 10001 -  15000     9.2             2.6           0.4                    6.4                     
  $ 15001 -  20000     7.4             3.0           0.8                    7.4                     
  $ 20001 -  25000     6.4             3.3           1.1                    5.7                     
  $ 25001 -  30000     4.2             2.6           0.9                    5.0                     
  $ 30001 -  35000     4.7             3.5           1.6                    4.5                     
  $ 35001 -  40000     4.8             4.1           1.8                    5.3                     
  $ 40001 -  45000     5.4             5.2           2.5                    6.9                     
  $ 45001 -  50000     3.7             4.0           2.4                    4.2                     
  $ 50001 -  75000    15.1            20.9          12.2                   22.4                     
  $ 75001 - 100000     7.0            13.6          10.6                   10.5                     
  $100001 - 250000     6.3            20.0          25.0                    9.6                     
  OVER $250,000        1.7            19.1          40.4                    2.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-114577            $2                   3.05                     
  $     1  -  5000                  $2,806            $7                   0.47                     
  $  5001 -  10000                  $7,434          $117                   0.93                     
  $ 10001 -  15000                 $12,465          $243                   1.53                     
  $ 15001 -  20000                 $17,761          $516                   2.19                     
  $ 20001 -  25000                 $22,561          $910                   1.95                     
  $ 25001 -  30000                 $27,343        $1,122                   2.65                     
  $ 30001 -  35000                 $32,609        $1,785                   2.12                     
  $ 35001 -  40000                 $37,287        $1,948                   2.42                     
  $ 40001 -  45000                 $42,451        $2,355                   2.80                     
  $ 45001 -  50000                 $47,654        $3,309                   2.53                     
  $ 50001 -  75000                 $60,598        $4,109                   3.26                     
  $ 75001 - 100000                 $85,670        $7,800                   3.33                     
  $100001 - 250000                $139,001       $20,213                   3.34                     
  OVER $250,000                   $489,048      $119,890                   3.33                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $43,857        $5,100                   2.20                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                              
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   MOAB UT                                                          
                        _________________________________________________                           
  UNDER $1               53    $-1,538,342          $158     -0.01          95                      
  $     1  -  5000      381     $1,077,516       $42,510      3.95         295                      
  $  5001 -  10000      504     $3,791,686       $44,444      1.17         620                      
  $ 10001 -  15000      455     $5,683,059      $130,439      2.30         694                      
  $ 15001 -  20000      346     $6,026,193      $214,998      3.57         599                      
  $ 20001 -  25000      323     $7,235,311      $340,842      4.71         614                      
  $ 25001 -  30000      262     $7,148,581      $376,062      5.26         529                      
  $ 30001 -  35000      178     $5,776,187      $348,998      6.04         396                      
  $ 35001 -  40000      169     $6,348,468      $429,211      6.76         401                      
  $ 40001 -  45000      144     $6,102,968      $438,252      7.18         362                      
  $ 45001 -  50000      102     $4,838,493      $365,767      7.56         272                      
  $ 50001 -  75000      371    $22,634,275    $1,960,484      8.66       1,089                      
  $ 75001 - 100000      127    $10,712,409    $1,303,912     12.17         342                      
  OVER $100,000          84    $13,417,979    $2,616,933     19.50         222                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,499     $99,254,783    $8,613,010      8.68        6,530                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.5            -1.5           0.0                    1.5                     
  $     1  -  5000    10.9             1.1           0.5                    4.5                     
  $  5001 -  10000    14.4             3.8           0.5                    9.5                     
  $ 10001 -  15000    13.0             5.7           1.5                   10.6                     
  $ 15001 -  20000     9.9             6.1           2.5                    9.2                     
  $ 20001 -  25000     9.2             7.3           4.0                    9.4                     
  $ 25001 -  30000     7.5             7.2           4.4                    8.1                     
  $ 30001 -  35000     5.1             5.8           4.1                    6.1                     
  $ 35001 -  40000     4.8             6.4           5.0                    6.1                     
  $ 40001 -  45000     4.1             6.1           5.1                    5.5                     
  $ 45001 -  50000     2.9             4.9           4.2                    4.2                     
  $ 50001 -  75000    10.6            22.8          22.8                   16.7                     
  $ 75001 - 100000     3.6            10.8          15.1                    5.2                     
  OVER $100,000        2.4            13.5          30.4                    3.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-29,025            $3                   1.79                     
  $     1  -  5000                  $2,828          $112                   0.77                     
  $  5001 -  10000                  $7,523           $88                   1.23                     
  $ 10001 -  15000                 $12,490          $287                   1.53                     
  $ 15001 -  20000                 $17,417          $621                   1.73                     
  $ 20001 -  25000                 $22,400        $1,055                   1.90                     
  $ 25001 -  30000                 $27,285        $1,435                   2.02                     
  $ 30001 -  35000                 $32,450        $1,961                   2.22                     
  $ 35001 -  40000                 $37,565        $2,540                   2.37                     
  $ 40001 -  45000                 $42,382        $3,043                   2.51                     
  $ 45001 -  50000                 $47,436        $3,586                   2.67                     
  $ 50001 -  75000                 $61,009        $5,284                   2.94                     
  $ 75001 - 100000                 $84,350       $10,267                   2.69                     
  OVER $100,000                   $159,738       $31,154                   2.64                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $28,367        $2,462                   1.87                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   MONROE UT                                                        
                        _________________________________________________                           
  UNDER $1               17      $-606,479            $0      0.00          32                      
  $     1  -  5000      148       $410,921        $3,959      0.96          93                      
  $  5001 -  10000      136       $978,359       $10,046      1.03         178                      
  $ 10001 -  15000       90     $1,111,094       $21,390      1.93         161                      
  $ 15001 -  20000       88     $1,538,388       $42,461      2.76         179                      
  $ 20001 -  25000       74     $1,669,001       $46,600      2.79         185                      
  $ 25001 -  30000       65     $1,784,583       $62,717      3.51         187                      
  $ 30001 -  35000       54     $1,750,108       $56,373      3.22         181                      
  $ 35001 -  40000       55     $2,071,953       $91,909      4.44         161                      
  $ 40001 -  45000       57     $2,431,431      $130,293      5.36         172                      
  $ 45001 -  50000       41     $1,946,572      $111,638      5.74         138                      
  $ 50001 -  75000      136     $8,201,236      $577,407      7.04         478                      
  $ 75001 - 100000       44     $3,743,959      $339,761      9.07         167                      
  OVER $100,000          18     $2,437,473      $368,591     15.12          58                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,023     $29,468,599    $1,863,145      6.32        2,370                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.7            -2.1           0.0                    1.4                     
  $     1  -  5000    14.5             1.4           0.2                    3.9                     
  $  5001 -  10000    13.3             3.3           0.5                    7.5                     
  $ 10001 -  15000     8.8             3.8           1.1                    6.8                     
  $ 15001 -  20000     8.6             5.2           2.3                    7.6                     
  $ 20001 -  25000     7.2             5.7           2.5                    7.8                     
  $ 25001 -  30000     6.4             6.1           3.4                    7.9                     
  $ 30001 -  35000     5.3             5.9           3.0                    7.6                     
  $ 35001 -  40000     5.4             7.0           4.9                    6.8                     
  $ 40001 -  45000     5.6             8.3           7.0                    7.3                     
  $ 45001 -  50000     4.0             6.6           6.0                    5.8                     
  $ 50001 -  75000    13.3            27.8          31.0                   20.2                     
  $ 75001 - 100000     4.3            12.7          18.2                    7.0                     
  OVER $100,000        1.8             8.3          19.8                    2.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-35,675            $0                   1.88                     
  $     1  -  5000                  $2,776           $27                   0.63                     
  $  5001 -  10000                  $7,194           $74                   1.31                     
  $ 10001 -  15000                 $12,345          $238                   1.79                     
  $ 15001 -  20000                 $17,482          $483                   2.03                     
  $ 20001 -  25000                 $22,554          $630                   2.50                     
  $ 25001 -  30000                 $27,455          $965                   2.88                     
  $ 30001 -  35000                 $32,409        $1,044                   3.35                     
  $ 35001 -  40000                 $37,672        $1,671                   2.93                     
  $ 40001 -  45000                 $42,657        $2,286                   3.02                     
  $ 45001 -  50000                 $47,477        $2,723                   3.37                     
  $ 50001 -  75000                 $60,303        $4,246                   3.51                     
  $ 75001 - 100000                 $85,090        $7,722                   3.80                     
  OVER $100,000                   $135,415       $20,477                   3.22                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $28,806        $1,821                   2.32                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   MONTICELLO UT                                                    
                        _________________________________________________                           
  UNDER $1               24    $-1,470,504          $995     -0.07          48                      
  $     1  -  5000      110       $307,041          $678      0.22          64                      
  $  5001 -  10000      101       $728,743        $7,174      0.98         136                      
  $ 10001 -  15000       78       $996,704       $18,973      1.90         162                      
  $ 15001 -  20000       69     $1,207,551       $36,519      3.02         151                      
  $ 20001 -  25000       64     $1,442,698       $56,621      3.92         154                      
  $ 25001 -  30000       57     $1,562,526       $59,900      3.83         153                      
  $ 30001 -  35000       37     $1,215,886       $49,299      4.05         114                      
  $ 35001 -  40000       36     $1,356,950       $62,808      4.63         122                      
  $ 40001 -  45000       49     $2,085,997      $123,464      5.92         147                      
  $ 45001 -  50000       33     $1,550,554      $103,589      6.68         109                      
  $ 50001 -  75000      114     $6,976,666      $496,639      7.12         409                      
  $ 75001 - 100000       34     $2,945,456      $314,053     10.66         123                      
  OVER $100,000          24     $3,552,186      $589,390     16.59          91                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                830     $24,458,454    $1,920,102      7.85        1,983                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             2.9            -6.0           0.1                    2.4                     
  $     1  -  5000    13.3             1.3           0.0                    3.2                     
  $  5001 -  10000    12.2             3.0           0.4                    6.9                     
  $ 10001 -  15000     9.4             4.1           1.0                    8.2                     
  $ 15001 -  20000     8.3             4.9           1.9                    7.6                     
  $ 20001 -  25000     7.7             5.9           2.9                    7.8                     
  $ 25001 -  30000     6.9             6.4           3.1                    7.7                     
  $ 30001 -  35000     4.5             5.0           2.6                    5.7                     
  $ 35001 -  40000     4.3             5.5           3.3                    6.2                     
  $ 40001 -  45000     5.9             8.5           6.4                    7.4                     
  $ 45001 -  50000     4.0             6.3           5.4                    5.5                     
  $ 50001 -  75000    13.7            28.5          25.9                   20.6                     
  $ 75001 - 100000     4.1            12.0          16.4                    6.2                     
  OVER $100,000        2.9            14.5          30.7                    4.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-61,271           $41                   2.00                     
  $     1  -  5000                  $2,791            $6                   0.58                     
  $  5001 -  10000                  $7,215           $71                   1.35                     
  $ 10001 -  15000                 $12,778          $243                   2.08                     
  $ 15001 -  20000                 $17,501          $529                   2.19                     
  $ 20001 -  25000                 $22,542          $885                   2.41                     
  $ 25001 -  30000                 $27,413        $1,051                   2.68                     
  $ 30001 -  35000                 $32,862        $1,332                   3.08                     
  $ 35001 -  40000                 $37,693        $1,745                   3.39                     
  $ 40001 -  45000                 $42,571        $2,520                   3.00                     
  $ 45001 -  50000                 $46,986        $3,139                   3.30                     
  $ 50001 -  75000                 $61,199        $4,356                   3.59                     
  $ 75001 - 100000                 $86,631        $9,237                   3.62                     
  OVER $100,000                   $148,008       $24,558                   3.79                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $29,468        $2,313                   2.39                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   MORGAN UT                                                        
                        _________________________________________________                           
  UNDER $1               31    $-1,508,371            $0      0.00          56                      
  $     1  -  5000      299       $803,301        $2,183      0.27          86                      
  $  5001 -  10000      227     $1,640,461       $28,697      1.75         165                      
  $ 10001 -  15000      198     $2,480,172       $71,049      2.86         246                      
  $ 15001 -  20000      179     $3,134,374      $123,050      3.93         294                      
  $ 20001 -  25000      130     $2,934,652      $124,715      4.25         243                      
  $ 25001 -  30000      131     $3,594,081      $196,046      5.45         280                      
  $ 30001 -  35000      115     $3,753,587      $229,878      6.12         240                      
  $ 35001 -  40000      138     $5,156,060      $267,982      5.20         374                      
  $ 40001 -  45000      134     $5,691,260      $330,536      5.81         404                      
  $ 45001 -  50000      103     $4,899,564      $282,879      5.77         329                      
  $ 50001 -  75000      453    $27,824,971    $1,864,253      6.70       1,651                      
  $ 75001 - 100000      237    $20,457,034    $1,988,997      9.72         868                      
  $100001 - 250000      154    $20,250,454    $2,822,143     13.94         532                      
  OVER $250,000          13     $5,450,283    $1,300,559     23.86          51                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,542    $106,561,883    $9,632,967      9.04        5,819                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.2            -1.4           0.0                    1.0                     
  $     1  -  5000    11.8             0.8           0.0                    1.5                     
  $  5001 -  10000     8.9             1.5           0.3                    2.8                     
  $ 10001 -  15000     7.8             2.3           0.7                    4.2                     
  $ 15001 -  20000     7.0             2.9           1.3                    5.1                     
  $ 20001 -  25000     5.1             2.8           1.3                    4.2                     
  $ 25001 -  30000     5.2             3.4           2.0                    4.8                     
  $ 30001 -  35000     4.5             3.5           2.4                    4.1                     
  $ 35001 -  40000     5.4             4.8           2.8                    6.4                     
  $ 40001 -  45000     5.3             5.3           3.4                    6.9                     
  $ 45001 -  50000     4.1             4.6           2.9                    5.7                     
  $ 50001 -  75000    17.8            26.1          19.4                   28.4                     
  $ 75001 - 100000     9.3            19.2          20.6                   14.9                     
  $100001 - 250000     6.1            19.0          29.3                    9.1                     
  OVER $250,000        0.5             5.1          13.5                    0.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-48,657            $0                   1.81                     
  $     1  -  5000                  $2,687            $7                   0.29                     
  $  5001 -  10000                  $7,227          $126                   0.73                     
  $ 10001 -  15000                 $12,526          $359                   1.24                     
  $ 15001 -  20000                 $17,510          $687                   1.64                     
  $ 20001 -  25000                 $22,574          $959                   1.87                     
  $ 25001 -  30000                 $27,436        $1,497                   2.14                     
  $ 30001 -  35000                 $32,640        $1,999                   2.09                     
  $ 35001 -  40000                 $37,363        $1,942                   2.71                     
  $ 40001 -  45000                 $42,472        $2,467                   3.01                     
  $ 45001 -  50000                 $47,569        $2,746                   3.19                     
  $ 50001 -  75000                 $61,424        $4,115                   3.64                     
  $ 75001 - 100000                 $86,317        $8,392                   3.66                     
  $100001 - 250000                $131,496       $18,326                   3.45                     
  OVER $250,000                   $419,253      $100,043                   3.92                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $41,920        $3,790                   2.29                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                    
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   MOUNT PLEASANT UT                                                
                        _________________________________________________                           
  UNDER $1               21      $-632,523          $262     -0.04          51                      
  $     1  -  5000      141       $389,642          $529      0.14         116                      
  $  5001 -  10000      115       $862,296        $8,698      1.01         165                      
  $ 10001 -  15000      126     $1,551,829       $24,049      1.55         260                      
  $ 15001 -  20000      103     $1,798,641       $46,870      2.61         248                      
  $ 20001 -  25000       91     $2,042,994       $61,291      3.00         217                      
  $ 25001 -  30000       75     $2,049,282       $80,576      3.93         196                      
  $ 30001 -  35000       81     $2,617,765       $79,386      3.03         281                      
  $ 35001 -  40000       49     $1,835,798       $86,363      4.70         166                      
  $ 40001 -  45000       43     $1,815,544       $95,969      5.29         144                      
  $ 45001 -  50000       42     $2,012,130      $108,240      5.38         153                      
  $ 50001 -  75000      169    $10,307,684      $740,695      7.19         586                      
  $ 75001 - 100000       40     $3,440,619      $297,148      8.64         157                      
  OVER $100,000          24     $4,455,604      $905,806     20.33          94                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,120     $34,547,305    $2,535,882      7.34        2,834                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.9            -1.8           0.0                    1.8                     
  $     1  -  5000    12.6             1.1           0.0                    4.1                     
  $  5001 -  10000    10.3             2.5           0.3                    5.8                     
  $ 10001 -  15000    11.3             4.5           0.9                    9.2                     
  $ 15001 -  20000     9.2             5.2           1.8                    8.8                     
  $ 20001 -  25000     8.1             5.9           2.4                    7.7                     
  $ 25001 -  30000     6.7             5.9           3.2                    6.9                     
  $ 30001 -  35000     7.2             7.6           3.1                    9.9                     
  $ 35001 -  40000     4.4             5.3           3.4                    5.9                     
  $ 40001 -  45000     3.8             5.3           3.8                    5.1                     
  $ 45001 -  50000     3.8             5.8           4.3                    5.4                     
  $ 50001 -  75000    15.1            29.8          29.2                   20.7                     
  $ 75001 - 100000     3.6            10.0          11.7                    5.5                     
  OVER $100,000        2.1            12.9          35.7                    3.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-30,120           $12                   2.43                     
  $     1  -  5000                  $2,763            $4                   0.82                     
  $  5001 -  10000                  $7,498           $76                   1.43                     
  $ 10001 -  15000                 $12,316          $191                   2.06                     
  $ 15001 -  20000                 $17,463          $455                   2.41                     
  $ 20001 -  25000                 $22,450          $674                   2.38                     
  $ 25001 -  30000                 $27,324        $1,074                   2.61                     
  $ 30001 -  35000                 $32,318          $980                   3.47                     
  $ 35001 -  40000                 $37,465        $1,763                   3.39                     
  $ 40001 -  45000                 $42,222        $2,232                   3.35                     
  $ 45001 -  50000                 $47,908        $2,577                   3.64                     
  $ 50001 -  75000                 $60,992        $4,383                   3.47                     
  $ 75001 - 100000                 $86,015        $7,429                   3.93                     
  OVER $100,000                   $185,650       $37,742                   3.92                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,846        $2,264                   2.53                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   MURRAY UT                                                        
                        _________________________________________________                           
  UNDER $1              125    $-3,145,672       $65,023     -2.07         198                      
  $     1  -  5000    1,387     $3,706,484       $32,005      0.86         883                      
  $  5001 -  10000    1,588    $11,916,552      $153,072      1.28       1,738                      
  $ 10001 -  15000    1,560    $19,498,443      $469,880      2.41       2,297                      
  $ 15001 -  20000    1,519    $26,551,951    $1,023,789      3.86       2,473                      
  $ 20001 -  25000    1,515    $33,907,236    $1,591,997      4.70       2,692                      
  $ 25001 -  30000    1,180    $32,381,192    $1,856,309      5.73       2,199                      
  $ 30001 -  35000    1,046    $33,953,503    $2,190,384      6.45       2,065                      
  $ 35001 -  40000      889    $33,219,829    $2,275,244      6.85       1,849                      
  $ 40001 -  45000      821    $34,888,394    $2,494,393      7.15       1,898                      
  $ 45001 -  50000      687    $32,641,991    $2,543,920      7.79       1,709                      
  $ 50001 -  75000    2,113   $128,834,467   $10,947,419      8.50       5,892                      
  $ 75001 - 100000    1,006    $86,557,405    $9,065,014     10.47       3,247                      
  $100001 - 250000      759   $101,386,119   $15,236,982     15.03       2,507                      
  OVER $250,000          74    $37,153,547    $9,338,632     25.14         245                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             16,269    $613,451,441   $59,284,063      9.66       31,892                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -0.5           0.1                    0.6                     
  $     1  -  5000     8.5             0.6           0.1                    2.8                     
  $  5001 -  10000     9.8             1.9           0.3                    5.4                     
  $ 10001 -  15000     9.6             3.2           0.8                    7.2                     
  $ 15001 -  20000     9.3             4.3           1.7                    7.8                     
  $ 20001 -  25000     9.3             5.5           2.7                    8.4                     
  $ 25001 -  30000     7.3             5.3           3.1                    6.9                     
  $ 30001 -  35000     6.4             5.5           3.7                    6.5                     
  $ 35001 -  40000     5.5             5.4           3.8                    5.8                     
  $ 40001 -  45000     5.0             5.7           4.2                    6.0                     
  $ 45001 -  50000     4.2             5.3           4.3                    5.4                     
  $ 50001 -  75000    13.0            21.0          18.5                   18.5                     
  $ 75001 - 100000     6.2            14.1          15.3                   10.2                     
  $100001 - 250000     4.7            16.5          25.7                    7.9                     
  OVER $250,000        0.5             6.1          15.8                    0.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-25,165          $520                   1.58                     
  $     1  -  5000                  $2,672           $23                   0.64                     
  $  5001 -  10000                  $7,504           $96                   1.09                     
  $ 10001 -  15000                 $12,499          $301                   1.47                     
  $ 15001 -  20000                 $17,480          $674                   1.63                     
  $ 20001 -  25000                 $22,381        $1,051                   1.78                     
  $ 25001 -  30000                 $27,442        $1,573                   1.86                     
  $ 30001 -  35000                 $32,460        $2,094                   1.97                     
  $ 35001 -  40000                 $37,368        $2,559                   2.08                     
  $ 40001 -  45000                 $42,495        $3,038                   2.31                     
  $ 45001 -  50000                 $47,514        $3,703                   2.49                     
  $ 50001 -  75000                 $60,972        $5,181                   2.79                     
  $ 75001 - 100000                 $86,041        $9,011                   3.23                     
  $100001 - 250000                $133,579       $20,075                   3.30                     
  OVER $250,000                   $502,075      $126,198                   3.31                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $37,707        $3,644                   1.96                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   NEPHI UT                                                         
                        _________________________________________________                           
  UNDER $1               21    $-1,357,058          $223     -0.02          45                      
  $     1  -  5000      220       $596,140        $4,525      0.76          95                      
  $  5001 -  10000      186     $1,360,058       $18,553      1.36         196                      
  $ 10001 -  15000      171     $2,144,250       $44,428      2.07         272                      
  $ 15001 -  20000      129     $2,259,110       $62,610      2.77         258                      
  $ 20001 -  25000      127     $2,845,366      $101,338      3.56         286                      
  $ 25001 -  30000      112     $3,092,798      $128,087      4.14         296                      
  $ 30001 -  35000      129     $4,207,776      $161,096      3.83         410                      
  $ 35001 -  40000      108     $4,051,985      $175,461      4.33         353                      
  $ 40001 -  45000       95     $4,012,081      $165,091      4.11         327                      
  $ 45001 -  50000      102     $4,834,410      $233,454      4.83         379                      
  $ 50001 -  75000      313    $18,857,076    $1,166,954      6.19       1,174                      
  $ 75001 - 100000       82     $7,019,138      $603,664      8.60         340                      
  OVER $100,000          46     $7,472,994    $1,192,464     15.96         185                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,841     $61,396,124    $4,057,948      6.61        4,616                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -2.2           0.0                    1.0                     
  $     1  -  5000    12.0             1.0           0.1                    2.1                     
  $  5001 -  10000    10.1             2.2           0.5                    4.2                     
  $ 10001 -  15000     9.3             3.5           1.1                    5.9                     
  $ 15001 -  20000     7.0             3.7           1.5                    5.6                     
  $ 20001 -  25000     6.9             4.6           2.5                    6.2                     
  $ 25001 -  30000     6.1             5.0           3.2                    6.4                     
  $ 30001 -  35000     7.0             6.9           4.0                    8.9                     
  $ 35001 -  40000     5.9             6.6           4.3                    7.6                     
  $ 40001 -  45000     5.2             6.5           4.1                    7.1                     
  $ 45001 -  50000     5.5             7.9           5.8                    8.2                     
  $ 50001 -  75000    17.0            30.7          28.8                   25.4                     
  $ 75001 - 100000     4.5            11.4          14.9                    7.4                     
  OVER $100,000        2.5            12.2          29.4                    4.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-64,622           $11                   2.14                     
  $     1  -  5000                  $2,710           $21                   0.43                     
  $  5001 -  10000                  $7,312          $100                   1.05                     
  $ 10001 -  15000                 $12,539          $260                   1.59                     
  $ 15001 -  20000                 $17,512          $485                   2.00                     
  $ 20001 -  25000                 $22,404          $798                   2.25                     
  $ 25001 -  30000                 $27,614        $1,144                   2.64                     
  $ 30001 -  35000                 $32,618        $1,249                   3.18                     
  $ 35001 -  40000                 $37,518        $1,625                   3.27                     
  $ 40001 -  45000                 $42,232        $1,738                   3.44                     
  $ 45001 -  50000                 $47,396        $2,289                   3.72                     
  $ 50001 -  75000                 $60,246        $3,728                   3.75                     
  $ 75001 - 100000                 $85,599        $7,362                   4.15                     
  OVER $100,000                   $162,456       $25,923                   4.02                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $33,349        $2,204                   2.51                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   NORTH LOGAN UT                                                   
                        _________________________________________________                           
  UNDER $1               17      $-460,219            $0      0.00          40                      
  $     1  -  5000      241       $640,834        $2,147      0.34          96                      
  $  5001 -  10000      238     $1,747,530       $31,240      1.79         202                      
  $ 10001 -  15000      164     $1,990,612       $59,846      3.01         210                      
  $ 15001 -  20000      147     $2,573,955       $77,090      3.00         289                      
  $ 20001 -  25000      109     $2,467,948       $98,492      3.99         218                      
  $ 25001 -  30000       82     $2,275,710       $97,946      4.30         195                      
  $ 30001 -  35000       72     $2,332,841       $81,954      3.51         225                      
  $ 35001 -  40000       76     $2,824,978      $122,163      4.32         250                      
  $ 40001 -  45000       69     $2,904,625      $167,186      5.76         207                      
  $ 45001 -  50000       70     $3,325,009      $167,075      5.02         244                      
  $ 50001 -  75000      324    $20,215,903    $1,311,279      6.49       1,219                      
  $ 75001 - 100000      183    $15,948,680    $1,427,153      8.95         732                      
  $100001 - 250000      121    $17,152,363    $2,550,191     14.87         479                      
  OVER $250,000          16     $5,566,946    $1,309,671     23.53          67                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,929     $81,507,715    $7,503,433      9.21        4,673                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.9            -0.6           0.0                    0.9                     
  $     1  -  5000    12.5             0.8           0.0                    2.1                     
  $  5001 -  10000    12.3             2.1           0.4                    4.3                     
  $ 10001 -  15000     8.5             2.4           0.8                    4.5                     
  $ 15001 -  20000     7.6             3.2           1.0                    6.2                     
  $ 20001 -  25000     5.7             3.0           1.3                    4.7                     
  $ 25001 -  30000     4.3             2.8           1.3                    4.2                     
  $ 30001 -  35000     3.7             2.9           1.1                    4.8                     
  $ 35001 -  40000     3.9             3.5           1.6                    5.3                     
  $ 40001 -  45000     3.6             3.6           2.2                    4.4                     
  $ 45001 -  50000     3.6             4.1           2.2                    5.2                     
  $ 50001 -  75000    16.8            24.8          17.5                   26.1                     
  $ 75001 - 100000     9.5            19.6          19.0                   15.7                     
  $100001 - 250000     6.3            21.0          34.0                   10.3                     
  OVER $250,000        0.8             6.8          17.5                    1.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-27,072            $0                   2.35                     
  $     1  -  5000                  $2,659            $9                   0.40                     
  $  5001 -  10000                  $7,343          $131                   0.85                     
  $ 10001 -  15000                 $12,138          $365                   1.28                     
  $ 15001 -  20000                 $17,510          $524                   1.97                     
  $ 20001 -  25000                 $22,642          $904                   2.00                     
  $ 25001 -  30000                 $27,753        $1,194                   2.38                     
  $ 30001 -  35000                 $32,401        $1,138                   3.13                     
  $ 35001 -  40000                 $37,171        $1,607                   3.29                     
  $ 40001 -  45000                 $42,096        $2,423                   3.00                     
  $ 45001 -  50000                 $47,500        $2,387                   3.49                     
  $ 50001 -  75000                 $62,395        $4,047                   3.76                     
  $ 75001 - 100000                 $87,151        $7,799                   4.00                     
  $100001 - 250000                $141,755       $21,076                   3.96                     
  OVER $250,000                   $347,934       $81,854                   4.19                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $42,254        $3,890                   2.42                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   NORTH OGDEN UT                                                   
                        _________________________________________________                           
  UNDER $1               25      $-588,307        $3,290     -0.56          35                      
  $     1  -  5000      463     $1,158,411        $4,219      0.36          95                      
  $  5001 -  10000      283     $2,032,054       $39,479      1.94         200                      
  $ 10001 -  15000      205     $2,530,129       $90,537      3.58         217                      
  $ 15001 -  20000      198     $3,413,403      $127,885      3.75         325                      
  $ 20001 -  25000      159     $3,583,599      $150,370      4.20         301                      
  $ 25001 -  30000      128     $3,532,823      $172,023      4.87         290                      
  $ 30001 -  35000      157     $5,098,626      $226,415      4.44         403                      
  $ 35001 -  40000      147     $5,515,867      $251,758      4.56         396                      
  $ 40001 -  45000      143     $6,056,372      $296,649      4.90         458                      
  $ 45001 -  50000      137     $6,498,202      $344,703      5.30         455                      
  $ 50001 -  75000      592    $36,822,249    $2,459,967      6.68       2,073                      
  $ 75001 - 100000      354    $30,479,325    $2,836,055      9.30       1,286                      
  $100001 - 250000      206    $26,597,196    $3,618,493     13.60         797                      
  OVER $250,000          11     $4,966,195    $1,296,452     26.11          44                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,208    $137,696,144   $11,918,295      8.66        7,375                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -0.4           0.0                    0.5                     
  $     1  -  5000    14.4             0.8           0.0                    1.3                     
  $  5001 -  10000     8.8             1.5           0.3                    2.7                     
  $ 10001 -  15000     6.4             1.8           0.8                    2.9                     
  $ 15001 -  20000     6.2             2.5           1.1                    4.4                     
  $ 20001 -  25000     5.0             2.6           1.3                    4.1                     
  $ 25001 -  30000     4.0             2.6           1.4                    3.9                     
  $ 30001 -  35000     4.9             3.7           1.9                    5.5                     
  $ 35001 -  40000     4.6             4.0           2.1                    5.4                     
  $ 40001 -  45000     4.5             4.4           2.5                    6.2                     
  $ 45001 -  50000     4.3             4.7           2.9                    6.2                     
  $ 50001 -  75000    18.5            26.7          20.6                   28.1                     
  $ 75001 - 100000    11.0            22.1          23.8                   17.4                     
  $100001 - 250000     6.4            19.3          30.4                   10.8                     
  OVER $250,000        0.3             3.6          10.9                    0.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-23,532          $132                   1.40                     
  $     1  -  5000                  $2,502            $9                   0.21                     
  $  5001 -  10000                  $7,180          $140                   0.71                     
  $ 10001 -  15000                 $12,342          $442                   1.06                     
  $ 15001 -  20000                 $17,239          $646                   1.64                     
  $ 20001 -  25000                 $22,538          $946                   1.89                     
  $ 25001 -  30000                 $27,600        $1,344                   2.27                     
  $ 30001 -  35000                 $32,475        $1,442                   2.57                     
  $ 35001 -  40000                 $37,523        $1,713                   2.69                     
  $ 40001 -  45000                 $42,352        $2,074                   3.20                     
  $ 45001 -  50000                 $47,432        $2,516                   3.32                     
  $ 50001 -  75000                 $62,200        $4,155                   3.50                     
  $ 75001 - 100000                 $86,100        $8,011                   3.63                     
  $100001 - 250000                $129,113       $17,566                   3.87                     
  OVER $250,000                   $451,472      $117,859                   4.00                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $42,923        $3,715                   2.30                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                   
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   NORTH SALT LAKE U                                                
                        _________________________________________________                           
  UNDER $1               48    $-3,024,776           $29     -0.00          77                      
  $     1  -  5000      387     $1,008,049        $3,816      0.38         177                      
  $  5001 -  10000      346     $2,507,174       $40,458      1.61         306                      
  $ 10001 -  15000      281     $3,479,968       $94,000      2.70         410                      
  $ 15001 -  20000      300     $5,263,341      $192,806      3.66         520                      
  $ 20001 -  25000      253     $5,704,119      $262,477      4.60         497                      
  $ 25001 -  30000      224     $6,151,299      $328,737      5.34         456                      
  $ 30001 -  35000      222     $7,201,092      $399,767      5.55         513                      
  $ 35001 -  40000      166     $6,241,025      $402,121      6.44         384                      
  $ 40001 -  45000      148     $6,257,107      $432,778      6.92         365                      
  $ 45001 -  50000      142     $6,718,422      $509,730      7.59         349                      
  $ 50001 -  75000      469    $28,750,984    $2,223,497      7.73       1,419                      
  $ 75001 - 100000      301    $25,915,040    $2,539,122      9.80       1,009                      
  $100001 - 250000      369    $52,979,267    $7,901,104     14.91       1,305                      
  OVER $250,000          75    $35,192,785    $8,953,528     25.44         291                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,731    $190,344,896   $24,283,970     12.76        8,078                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.3            -1.6           0.0                    1.0                     
  $     1  -  5000    10.4             0.5           0.0                    2.2                     
  $  5001 -  10000     9.3             1.3           0.2                    3.8                     
  $ 10001 -  15000     7.5             1.8           0.4                    5.1                     
  $ 15001 -  20000     8.0             2.8           0.8                    6.4                     
  $ 20001 -  25000     6.8             3.0           1.1                    6.2                     
  $ 25001 -  30000     6.0             3.2           1.4                    5.6                     
  $ 30001 -  35000     6.0             3.8           1.6                    6.4                     
  $ 35001 -  40000     4.4             3.3           1.7                    4.8                     
  $ 40001 -  45000     4.0             3.3           1.8                    4.5                     
  $ 45001 -  50000     3.8             3.5           2.1                    4.3                     
  $ 50001 -  75000    12.6            15.1           9.2                   17.6                     
  $ 75001 - 100000     8.1            13.6          10.5                   12.5                     
  $100001 - 250000     9.9            27.8          32.5                   16.2                     
  OVER $250,000        2.0            18.5          36.9                    3.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-63,016            $1                   1.60                     
  $     1  -  5000                  $2,605           $10                   0.46                     
  $  5001 -  10000                  $7,246          $117                   0.88                     
  $ 10001 -  15000                 $12,384          $335                   1.46                     
  $ 15001 -  20000                 $17,544          $643                   1.73                     
  $ 20001 -  25000                 $22,546        $1,037                   1.96                     
  $ 25001 -  30000                 $27,461        $1,468                   2.04                     
  $ 30001 -  35000                 $32,437        $1,801                   2.31                     
  $ 35001 -  40000                 $37,597        $2,422                   2.31                     
  $ 40001 -  45000                 $42,278        $2,924                   2.47                     
  $ 45001 -  50000                 $47,313        $3,590                   2.46                     
  $ 50001 -  75000                 $61,303        $4,741                   3.03                     
  $ 75001 - 100000                 $86,096        $8,436                   3.35                     
  $100001 - 250000                $143,575       $21,412                   3.54                     
  OVER $250,000                   $469,237      $119,380                   3.88                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $51,017        $6,509                   2.17                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   OGDEN UT                                                         
                        _________________________________________________                           
  UNDER $1              327    $-9,158,634       $10,434     -0.11         506                      
  $     1  -  5000    4,534    $12,291,628       $34,011      0.28       3,661                      
  $  5001 -  10000    4,994    $37,341,146      $455,886      1.22       6,037                      
  $ 10001 -  15000    5,098    $63,937,581    $1,419,018      2.22       8,456                      
  $ 15001 -  20000    5,012    $87,640,582    $2,888,083      3.30       9,310                      
  $ 20001 -  25000    4,520   $101,485,118    $4,211,177      4.15       9,344                      
  $ 25001 -  30000    3,914   $107,397,260    $5,367,148      5.00       8,502                      
  $ 30001 -  35000    3,185   $103,179,847    $5,865,921      5.69       7,228                      
  $ 35001 -  40000    2,835   $106,200,623    $6,631,939      6.24       6,866                      
  $ 40001 -  45000    2,363   $100,263,448    $6,808,072      6.79       5,990                      
  $ 45001 -  50000    2,060    $97,691,401    $7,057,851      7.22       5,578                      
  $ 50001 -  75000    6,941   $423,791,429   $35,892,166      8.47      20,074                      
  $ 75001 - 100000    3,044   $260,364,918   $28,265,768     10.86       9,453                      
  $100001 - 250000    2,208   $296,295,221   $45,830,084     15.47       6,835                      
  OVER $250,000         276   $147,225,400   $39,112,222     26.57         907                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             51,311  $1,935,946,968  $189,849,780      9.81      108,747                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.6            -0.5           0.0                    0.5                     
  $     1  -  5000     8.8             0.6           0.0                    3.4                     
  $  5001 -  10000     9.7             1.9           0.2                    5.6                     
  $ 10001 -  15000     9.9             3.3           0.7                    7.8                     
  $ 15001 -  20000     9.8             4.5           1.5                    8.6                     
  $ 20001 -  25000     8.8             5.2           2.2                    8.6                     
  $ 25001 -  30000     7.6             5.5           2.8                    7.8                     
  $ 30001 -  35000     6.2             5.3           3.1                    6.6                     
  $ 35001 -  40000     5.5             5.5           3.5                    6.3                     
  $ 40001 -  45000     4.6             5.2           3.6                    5.5                     
  $ 45001 -  50000     4.0             5.0           3.7                    5.1                     
  $ 50001 -  75000    13.5            21.9          18.9                   18.5                     
  $ 75001 - 100000     5.9            13.4          14.9                    8.7                     
  $100001 - 250000     4.3            15.3          24.1                    6.3                     
  OVER $250,000        0.5             7.6          20.6                    0.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-28,008           $32                   1.55                     
  $     1  -  5000                  $2,711            $8                   0.81                     
  $  5001 -  10000                  $7,477           $91                   1.21                     
  $ 10001 -  15000                 $12,542          $278                   1.66                     
  $ 15001 -  20000                 $17,486          $576                   1.86                     
  $ 20001 -  25000                 $22,452          $932                   2.07                     
  $ 25001 -  30000                 $27,439        $1,371                   2.17                     
  $ 30001 -  35000                 $32,396        $1,842                   2.27                     
  $ 35001 -  40000                 $37,461        $2,339                   2.42                     
  $ 40001 -  45000                 $42,431        $2,881                   2.53                     
  $ 45001 -  50000                 $47,423        $3,426                   2.71                     
  $ 50001 -  75000                 $61,056        $5,171                   2.89                     
  $ 75001 - 100000                 $85,534        $9,286                   3.11                     
  $100001 - 250000                $134,192       $20,756                   3.10                     
  OVER $250,000                   $533,425      $141,711                   3.29                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $37,730        $3,700                   2.12                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                              
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   OREM UT                                                          
                        _________________________________________________                           
  UNDER $1              319   $-18,099,667       $28,055     -0.16         594                      
  $     1  -  5000    3,906    $10,485,271       $44,190      0.42       2,198                      
  $  5001 -  10000    3,606    $26,731,397      $367,691      1.38       3,812                      
  $ 10001 -  15000    3,278    $40,844,525      $872,653      2.14       5,545                      
  $ 15001 -  20000    3,038    $53,124,503    $1,515,591      2.85       6,277                      
  $ 20001 -  25000    2,419    $54,153,190    $1,899,068      3.51       5,623                      
  $ 25001 -  30000    2,084    $57,224,224    $2,270,164      3.97       5,373                      
  $ 30001 -  35000    1,724    $55,854,782    $2,446,692      4.38       4,645                      
  $ 35001 -  40000    1,520    $56,986,938    $2,762,729      4.85       4,364                      
  $ 40001 -  45000    1,258    $53,478,346    $2,828,994      5.29       3,773                      
  $ 45001 -  50000    1,224    $58,073,917    $3,266,960      5.63       3,968                      
  $ 50001 -  75000    3,754   $229,575,745   $15,263,656      6.65      13,183                      
  $ 75001 - 100000    1,859   $159,968,710   $13,998,085      8.75       7,279                      
  $100001 - 250000    1,465   $198,582,085   $27,705,632     13.95       5,914                      
  OVER $250,000         172    $78,657,294   $19,758,676     25.12         776                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             31,626  $1,115,641,260   $95,028,836      8.52       73,324                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.0            -1.6           0.0                    0.8                     
  $     1  -  5000    12.4             0.9           0.0                    3.0                     
  $  5001 -  10000    11.4             2.4           0.4                    5.2                     
  $ 10001 -  15000    10.4             3.7           0.9                    7.6                     
  $ 15001 -  20000     9.6             4.8           1.6                    8.6                     
  $ 20001 -  25000     7.6             4.9           2.0                    7.7                     
  $ 25001 -  30000     6.6             5.1           2.4                    7.3                     
  $ 30001 -  35000     5.5             5.0           2.6                    6.3                     
  $ 35001 -  40000     4.8             5.1           2.9                    6.0                     
  $ 40001 -  45000     4.0             4.8           3.0                    5.1                     
  $ 45001 -  50000     3.9             5.2           3.4                    5.4                     
  $ 50001 -  75000    11.9            20.6          16.1                   18.0                     
  $ 75001 - 100000     5.9            14.3          14.7                    9.9                     
  $100001 - 250000     4.6            17.8          29.2                    8.1                     
  OVER $250,000        0.5             7.1          20.8                    1.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-56,739           $88                   1.86                     
  $     1  -  5000                  $2,684           $11                   0.56                     
  $  5001 -  10000                  $7,413          $102                   1.06                     
  $ 10001 -  15000                 $12,460          $266                   1.69                     
  $ 15001 -  20000                 $17,487          $499                   2.07                     
  $ 20001 -  25000                 $22,387          $785                   2.32                     
  $ 25001 -  30000                 $27,459        $1,089                   2.58                     
  $ 30001 -  35000                 $32,398        $1,419                   2.69                     
  $ 35001 -  40000                 $37,491        $1,818                   2.87                     
  $ 40001 -  45000                 $42,511        $2,249                   3.00                     
  $ 45001 -  50000                 $47,446        $2,669                   3.24                     
  $ 50001 -  75000                 $61,155        $4,066                   3.51                     
  $ 75001 - 100000                 $86,051        $7,530                   3.92                     
  $100001 - 250000                $135,551       $18,912                   4.04                     
  OVER $250,000                   $457,310      $114,876                   4.51                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $35,276        $3,005                   2.32                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   OTHER TOWNS                                                      
                        _________________________________________________                           
  UNDER $1              703   $-24,115,041       $13,765     -0.06       1,499                      
  $     1  -  5000    5,188    $13,883,956       $34,466      0.25       3,564                      
  $  5001 -  10000    5,028    $37,244,897      $467,604      1.26       6,130                      
  $ 10001 -  15000    4,669    $58,163,402    $1,161,624      2.00       8,990                      
  $ 15001 -  20000    4,128    $71,995,184    $2,098,726      2.92       8,795                      
  $ 20001 -  25000    3,399    $76,162,852    $2,782,455      3.65       8,169                      
  $ 25001 -  30000    2,935    $80,588,853    $3,178,167      3.94       7,906                      
  $ 30001 -  35000    2,612    $84,695,658    $3,779,374      4.46       7,567                      
  $ 35001 -  40000    2,441    $91,487,555    $4,175,948      4.56       7,766                      
  $ 40001 -  45000    2,166    $92,038,847    $4,606,513      5.00       7,288                      
  $ 45001 -  50000    2,005    $95,221,007    $5,328,375      5.60       6,895                      
  $ 50001 -  75000    6,820   $415,039,030   $29,270,461      7.05      24,071                      
  $ 75001 - 100000    2,562   $218,679,833   $21,826,857      9.98       9,031                      
  $100001 - 250000    1,356   $178,688,046   $26,100,143     14.61       4,668                      
  OVER $250,000         129    $60,035,053   $15,030,732     25.04         451                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             46,141  $1,549,809,132  $119,855,210      7.73      112,790                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.5            -1.6           0.0                    1.3                     
  $     1  -  5000    11.2             0.9           0.0                    3.2                     
  $  5001 -  10000    10.9             2.4           0.4                    5.4                     
  $ 10001 -  15000    10.1             3.8           1.0                    8.0                     
  $ 15001 -  20000     8.9             4.6           1.8                    7.8                     
  $ 20001 -  25000     7.4             4.9           2.3                    7.2                     
  $ 25001 -  30000     6.4             5.2           2.7                    7.0                     
  $ 30001 -  35000     5.7             5.5           3.2                    6.7                     
  $ 35001 -  40000     5.3             5.9           3.5                    6.9                     
  $ 40001 -  45000     4.7             5.9           3.8                    6.5                     
  $ 45001 -  50000     4.3             6.1           4.4                    6.1                     
  $ 50001 -  75000    14.8            26.8          24.4                   21.3                     
  $ 75001 - 100000     5.6            14.1          18.2                    8.0                     
  $100001 - 250000     2.9            11.5          21.8                    4.1                     
  OVER $250,000        0.3             3.9          12.5                    0.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-34,303           $20                   2.13                     
  $     1  -  5000                  $2,676            $7                   0.69                     
  $  5001 -  10000                  $7,407           $93                   1.22                     
  $ 10001 -  15000                 $12,457          $249                   1.93                     
  $ 15001 -  20000                 $17,441          $508                   2.13                     
  $ 20001 -  25000                 $22,407          $819                   2.40                     
  $ 25001 -  30000                 $27,458        $1,083                   2.69                     
  $ 30001 -  35000                 $32,426        $1,447                   2.90                     
  $ 35001 -  40000                 $37,480        $1,711                   3.18                     
  $ 40001 -  45000                 $42,493        $2,127                   3.36                     
  $ 45001 -  50000                 $47,492        $2,658                   3.44                     
  $ 50001 -  75000                 $60,856        $4,292                   3.53                     
  $ 75001 - 100000                 $85,355        $8,519                   3.52                     
  $100001 - 250000                $131,776       $19,248                   3.44                     
  OVER $250,000                   $465,388      $116,517                   3.50                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $33,589        $2,598                   2.44                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   PANGIUTCH UT                                                     
                        _________________________________________________                           
  UNDER $ 5,000         140       $201,936          $380      0.19          84                      
  $  5001 -  10000       94       $678,585        $6,880      1.01         119                      
  $ 10001 -  15000      102     $1,279,380       $28,827      2.25         176                      
  $ 15001 -  20000       77     $1,344,597       $48,868      3.63         143                      
  $ 20001 -  25000       56     $1,256,761       $40,373      3.21         134                      
  $ 25001 -  30000       60     $1,627,384       $55,892      3.43         161                      
  $ 30001 -  35000       39     $1,273,850       $52,308      4.11         112                      
  $ 35001 -  40000       47     $1,739,530       $85,724      4.93         125                      
  $ 40001 -  45000       32     $1,372,952       $82,424      6.00          85                      
  $ 45001 -  50000       21       $996,493       $61,309      6.15          65                      
  $ 50001 -  75000       81     $4,871,456      $339,609      6.97         284                      
  $ 75001 - 100000       24     $2,022,199      $220,044     10.88          87                      
  $100001 - 250000       16     $1,944,950      $251,283     12.92          72                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                789     $20,610,073    $1,273,921      6.18        1,647                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       17.7             1.0           0.0                    5.1                     
  $  5001 -  10000    11.9             3.3           0.5                    7.2                     
  $ 10001 -  15000    12.9             6.2           2.3                   10.7                     
  $ 15001 -  20000     9.8             6.5           3.8                    8.7                     
  $ 20001 -  25000     7.1             6.1           3.2                    8.1                     
  $ 25001 -  30000     7.6             7.9           4.4                    9.8                     
  $ 30001 -  35000     4.9             6.2           4.1                    6.8                     
  $ 35001 -  40000     6.0             8.4           6.7                    7.6                     
  $ 40001 -  45000     4.1             6.7           6.5                    5.2                     
  $ 45001 -  50000     2.7             4.8           4.8                    3.9                     
  $ 50001 -  75000    10.3            23.6          26.7                   17.2                     
  $ 75001 - 100000     3.0             9.8          17.3                    5.3                     
  $100001 - 250000     2.0             9.4          19.7                    4.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $1,442            $3                   0.60                     
  $  5001 -  10000                  $7,219           $73                   1.27                     
  $ 10001 -  15000                 $12,543          $283                   1.73                     
  $ 15001 -  20000                 $17,462          $635                   1.86                     
  $ 20001 -  25000                 $22,442          $721                   2.39                     
  $ 25001 -  30000                 $27,123          $932                   2.68                     
  $ 30001 -  35000                 $32,663        $1,341                   2.87                     
  $ 35001 -  40000                 $37,011        $1,824                   2.66                     
  $ 40001 -  45000                 $42,905        $2,576                   2.66                     
  $ 45001 -  50000                 $47,452        $2,919                   3.10                     
  $ 50001 -  75000                 $60,141        $4,193                   3.51                     
  $ 75001 - 100000                 $84,258        $9,169                   3.63                     
  $100001 - 250000                $121,559       $15,705                   4.50                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $26,122        $1,615                   2.09                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   PARK CITY UT                                                     
                        _________________________________________________                           
  UNDER $1              280   $-70,040,035       $16,780     -0.02         281                      
  $     1  -  5000      966     $2,409,604       $26,830      1.11         428                      
  $  5001 -  10000      800     $5,940,395       $92,538      1.56         827                      
  $ 10001 -  15000      682     $8,526,101      $240,790      2.82         940                      
  $ 15001 -  20000      697    $12,201,624      $522,408      4.28       1,172                      
  $ 20001 -  25000      564    $12,664,521      $691,481      5.46         980                      
  $ 25001 -  30000      504    $13,795,157      $844,887      6.12         853                      
  $ 30001 -  35000      409    $13,300,844      $902,448      6.78         751                      
  $ 35001 -  40000      375    $14,054,579    $1,074,502      7.65         636                      
  $ 40001 -  45000      288    $12,262,921    $1,017,480      8.30         497                      
  $ 45001 -  50000      261    $12,350,443    $1,009,890      8.18         504                      
  $ 50001 -  75000    1,039    $64,143,386    $5,667,681      8.84       2,485                      
  $ 75001 - 100000      821    $71,364,655    $7,599,485     10.65       2,234                      
  $100001 - 250000    1,709   $262,162,085   $41,972,034     16.01       5,023                      
  OVER $250,000         417   $216,136,245   $55,127,096     25.51       1,275                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              9,812    $651,272,525  $116,806,330     17.94       18,886                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             2.9           -10.8           0.0                    1.5                     
  $     1  -  5000     9.8             0.4           0.0                    2.3                     
  $  5001 -  10000     8.2             0.9           0.1                    4.4                     
  $ 10001 -  15000     7.0             1.3           0.2                    5.0                     
  $ 15001 -  20000     7.1             1.9           0.4                    6.2                     
  $ 20001 -  25000     5.7             1.9           0.6                    5.2                     
  $ 25001 -  30000     5.1             2.1           0.7                    4.5                     
  $ 30001 -  35000     4.2             2.0           0.8                    4.0                     
  $ 35001 -  40000     3.8             2.2           0.9                    3.4                     
  $ 40001 -  45000     2.9             1.9           0.9                    2.6                     
  $ 45001 -  50000     2.7             1.9           0.9                    2.7                     
  $ 50001 -  75000    10.6             9.8           4.9                   13.2                     
  $ 75001 - 100000     8.4            11.0           6.5                   11.8                     
  $100001 - 250000    17.4            40.3          35.9                   26.6                     
  OVER $250,000        4.2            33.2          47.2                    6.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-250143           $60                   1.00                     
  $     1  -  5000                  $2,494           $28                   0.44                     
  $  5001 -  10000                  $7,425          $116                   1.03                     
  $ 10001 -  15000                 $12,502          $353                   1.38                     
  $ 15001 -  20000                 $17,506          $750                   1.68                     
  $ 20001 -  25000                 $22,455        $1,226                   1.74                     
  $ 25001 -  30000                 $27,371        $1,676                   1.69                     
  $ 30001 -  35000                 $32,520        $2,206                   1.84                     
  $ 35001 -  40000                 $37,479        $2,865                   1.70                     
  $ 40001 -  45000                 $42,580        $3,533                   1.73                     
  $ 45001 -  50000                 $47,320        $3,869                   1.93                     
  $ 50001 -  75000                 $61,736        $5,455                   2.39                     
  $ 75001 - 100000                 $86,924        $9,256                   2.72                     
  $100001 - 250000                $153,401       $24,559                   2.94                     
  OVER $250,000                   $518,312      $132,199                   3.06                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $66,375       $11,904                   1.92                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   PAROWAN UT                                                       
                        _________________________________________________                           
  UNDER $1               16      $-767,727            $0      0.00          27                      
  $     1  -  5000      113       $336,358          $528      0.16          93                      
  $  5001 -  10000      132       $998,248       $12,210      1.22         149                      
  $ 10001 -  15000      118     $1,468,398       $24,737      1.68         226                      
  $ 15001 -  20000      108     $1,892,061       $49,308      2.61         240                      
  $ 20001 -  25000       94     $2,134,227       $65,298      3.06         231                      
  $ 25001 -  30000       64     $1,765,540       $61,540      3.49         179                      
  $ 30001 -  35000       53     $1,702,175       $84,899      4.99         144                      
  $ 35001 -  40000       60     $2,247,191      $107,367      4.78         186                      
  $ 40001 -  45000       54     $2,298,839      $104,882      4.56         191                      
  $ 45001 -  50000       40     $1,897,614       $93,330      4.92         150                      
  $ 50001 -  75000      114     $6,859,631      $478,662      6.98         411                      
  $ 75001 - 100000       47     $3,971,530      $401,143     10.10         154                      
  OVER $100,000          18     $2,942,056      $523,531     17.79          57                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,031     $29,746,141    $2,007,435      6.75        2,438                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.6            -2.6           0.0                    1.1                     
  $     1  -  5000    11.0             1.1           0.0                    3.8                     
  $  5001 -  10000    12.8             3.4           0.6                    6.1                     
  $ 10001 -  15000    11.4             4.9           1.2                    9.3                     
  $ 15001 -  20000    10.5             6.4           2.5                    9.8                     
  $ 20001 -  25000     9.1             7.2           3.3                    9.5                     
  $ 25001 -  30000     6.2             5.9           3.1                    7.3                     
  $ 30001 -  35000     5.1             5.7           4.2                    5.9                     
  $ 35001 -  40000     5.8             7.6           5.3                    7.6                     
  $ 40001 -  45000     5.2             7.7           5.2                    7.8                     
  $ 45001 -  50000     3.9             6.4           4.6                    6.2                     
  $ 50001 -  75000    11.1            23.1          23.8                   16.9                     
  $ 75001 - 100000     4.6            13.4          20.0                    6.3                     
  OVER $100,000        1.7             9.9          26.1                    2.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-47,983            $0                   1.69                     
  $     1  -  5000                  $2,977            $5                   0.82                     
  $  5001 -  10000                  $7,562           $93                   1.13                     
  $ 10001 -  15000                 $12,444          $210                   1.92                     
  $ 15001 -  20000                 $17,519          $457                   2.22                     
  $ 20001 -  25000                 $22,705          $695                   2.46                     
  $ 25001 -  30000                 $27,587          $962                   2.80                     
  $ 30001 -  35000                 $32,117        $1,602                   2.72                     
  $ 35001 -  40000                 $37,453        $1,789                   3.10                     
  $ 40001 -  45000                 $42,571        $1,942                   3.54                     
  $ 45001 -  50000                 $47,440        $2,333                   3.75                     
  $ 50001 -  75000                 $60,172        $4,199                   3.61                     
  $ 75001 - 100000                 $84,501        $8,535                   3.28                     
  OVER $100,000                   $163,448       $29,085                   3.17                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $28,852        $1,947                   2.36                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   PAYSON UT                                                        
                        _________________________________________________                           
  UNDER $1               59    $-1,587,048        $8,026     -0.51         148                      
  $     1  -  5000      563     $1,537,019        $1,379      0.09         316                      
  $  5001 -  10000      549     $4,081,149       $63,067      1.55         552                      
  $ 10001 -  15000      498     $6,180,128      $151,745      2.46         864                      
  $ 15001 -  20000      533     $9,316,800      $258,890      2.78       1,201                      
  $ 20001 -  25000      466    $10,464,575      $394,885      3.77       1,076                      
  $ 25001 -  30000      435    $11,921,326      $404,199      3.39       1,254                      
  $ 30001 -  35000      380    $12,357,426      $491,576      3.98       1,135                      
  $ 35001 -  40000      359    $13,480,404      $522,802      3.88       1,161                      
  $ 40001 -  45000      323    $13,712,083      $549,994      4.01       1,162                      
  $ 45001 -  50000      350    $16,603,306      $732,155      4.41       1,296                      
  $ 50001 -  75000    1,097    $65,901,155    $3,896,260      5.91       4,231                      
  $ 75001 - 100000      340    $28,889,387    $2,555,751      8.85       1,349                      
  $100001 - 250000      153    $19,238,187    $2,594,720     13.49         601                      
  OVER $250,000          20     $9,841,796    $2,727,234     27.71          70                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              6,125    $221,937,693   $15,352,683      6.92       16,416                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.0            -0.7           0.1                    0.9                     
  $     1  -  5000     9.2             0.7           0.0                    1.9                     
  $  5001 -  10000     9.0             1.8           0.4                    3.4                     
  $ 10001 -  15000     8.1             2.8           1.0                    5.3                     
  $ 15001 -  20000     8.7             4.2           1.7                    7.3                     
  $ 20001 -  25000     7.6             4.7           2.6                    6.6                     
  $ 25001 -  30000     7.1             5.4           2.6                    7.6                     
  $ 30001 -  35000     6.2             5.6           3.2                    6.9                     
  $ 35001 -  40000     5.9             6.1           3.4                    7.1                     
  $ 40001 -  45000     5.3             6.2           3.6                    7.1                     
  $ 45001 -  50000     5.7             7.5           4.8                    7.9                     
  $ 50001 -  75000    17.9            29.7          25.4                   25.8                     
  $ 75001 - 100000     5.6            13.0          16.6                    8.2                     
  $100001 - 250000     2.5             8.7          16.9                    3.7                     
  OVER $250,000        0.3             4.4          17.8                    0.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-26,899          $136                   2.51                     
  $     1  -  5000                  $2,730            $2                   0.56                     
  $  5001 -  10000                  $7,434          $115                   1.01                     
  $ 10001 -  15000                 $12,410          $305                   1.73                     
  $ 15001 -  20000                 $17,480          $486                   2.25                     
  $ 20001 -  25000                 $22,456          $847                   2.31                     
  $ 25001 -  30000                 $27,405          $929                   2.88                     
  $ 30001 -  35000                 $32,520        $1,294                   2.99                     
  $ 35001 -  40000                 $37,550        $1,456                   3.23                     
  $ 40001 -  45000                 $42,452        $1,703                   3.60                     
  $ 45001 -  50000                 $47,438        $2,092                   3.70                     
  $ 50001 -  75000                 $60,074        $3,552                   3.86                     
  $ 75001 - 100000                 $84,969        $7,517                   3.97                     
  $100001 - 250000                $125,740       $16,959                   3.93                     
  OVER $250,000                   $492,090      $136,362                   3.50                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $36,235        $2,507                   2.68                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   PERRY UT                                                         
                        _________________________________________________                           
  UNDER $ 5,000         100       $206,599          $719      0.35          42                      
  $  5001 -  10000       84       $607,131       $11,419      1.88          67                      
  $ 10001 -  15000       70       $860,845       $26,708      3.10          82                      
  $ 15001 -  20000       67     $1,161,231       $41,394      3.56         125                      
  $ 20001 -  25000       55     $1,245,163       $50,561      4.06         105                      
  $ 25001 -  30000       58     $1,615,790       $75,813      4.69         120                      
  $ 30001 -  35000       50     $1,625,797       $85,953      5.29         118                      
  $ 35001 -  40000       50     $1,881,698       $99,112      5.27         130                      
  $ 40001 -  45000       73     $3,075,379      $162,560      5.29         221                      
  $ 45001 -  50000       58     $2,751,860      $139,395      5.07         190                      
  $ 50001 -  75000      211    $12,947,186      $829,773      6.41         764                      
  $ 75001 - 100000      104     $8,879,894      $835,019      9.40         382                      
  OVER $100,000          60     $9,716,355    $1,708,069     17.58         216                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,040     $46,574,928    $4,066,495      8.73        2,562                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000        9.6             0.4           0.0                    1.6                     
  $  5001 -  10000     8.1             1.3           0.3                    2.6                     
  $ 10001 -  15000     6.7             1.8           0.7                    3.2                     
  $ 15001 -  20000     6.4             2.5           1.0                    4.9                     
  $ 20001 -  25000     5.3             2.7           1.2                    4.1                     
  $ 25001 -  30000     5.6             3.5           1.9                    4.7                     
  $ 30001 -  35000     4.8             3.5           2.1                    4.6                     
  $ 35001 -  40000     4.8             4.0           2.4                    5.1                     
  $ 40001 -  45000     7.0             6.6           4.0                    8.6                     
  $ 45001 -  50000     5.6             5.9           3.4                    7.4                     
  $ 50001 -  75000    20.3            27.8          20.4                   29.8                     
  $ 75001 - 100000    10.0            19.1          20.5                   14.9                     
  OVER $100,000        5.8            20.9          42.0                    8.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,066            $7                   0.42                     
  $  5001 -  10000                  $7,228          $136                   0.80                     
  $ 10001 -  15000                 $12,298          $382                   1.17                     
  $ 15001 -  20000                 $17,332          $618                   1.87                     
  $ 20001 -  25000                 $22,639          $919                   1.91                     
  $ 25001 -  30000                 $27,858        $1,307                   2.07                     
  $ 30001 -  35000                 $32,516        $1,719                   2.36                     
  $ 35001 -  40000                 $37,634        $1,982                   2.60                     
  $ 40001 -  45000                 $42,128        $2,227                   3.03                     
  $ 45001 -  50000                 $47,446        $2,403                   3.28                     
  $ 50001 -  75000                 $61,361        $3,933                   3.62                     
  $ 75001 - 100000                 $85,384        $8,029                   3.67                     
  OVER $100,000                   $161,939       $28,468                   3.60                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $44,784        $3,910                   2.46                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   PLAIN CITY UT                                                    
                        _________________________________________________                           
  UNDER $ 5,000         118       $254,480          $205      0.08          30                      
  $  5001 -  10000      100       $711,142       $17,727      2.49          34                      
  $ 10001 -  15000       71       $873,130       $32,982      3.78          71                      
  $ 15001 -  20000       51       $887,285       $38,537      4.34          69                      
  $ 20001 -  25000       55     $1,245,262       $60,930      4.89          97                      
  $ 25001 -  30000       47     $1,291,588       $51,445      3.98         105                      
  $ 30001 -  35000       39     $1,262,577       $61,360      4.86          96                      
  $ 35001 -  40000       51     $1,932,108      $108,763      5.63         133                      
  $ 40001 -  45000       54     $2,281,720      $119,856      5.25         157                      
  $ 45001 -  50000       59     $2,775,221      $137,521      4.96         212                      
  $ 50001 -  75000      230    $14,323,328      $907,714      6.34         836                      
  $ 75001 - 100000      126    $10,748,334    $1,074,848     10.00         427                      
  OVER $100,000          63     $8,340,395    $1,237,895     14.84         243                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,064     $46,926,570    $3,849,783      8.20        2,510                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       11.1             0.5           0.0                    1.2                     
  $  5001 -  10000     9.4             1.5           0.5                    1.4                     
  $ 10001 -  15000     6.7             1.9           0.9                    2.8                     
  $ 15001 -  20000     4.8             1.9           1.0                    2.7                     
  $ 20001 -  25000     5.2             2.7           1.6                    3.9                     
  $ 25001 -  30000     4.4             2.8           1.3                    4.2                     
  $ 30001 -  35000     3.7             2.7           1.6                    3.8                     
  $ 35001 -  40000     4.8             4.1           2.8                    5.3                     
  $ 40001 -  45000     5.1             4.9           3.1                    6.3                     
  $ 45001 -  50000     5.5             5.9           3.6                    8.4                     
  $ 50001 -  75000    21.6            30.5          23.6                   33.3                     
  $ 75001 - 100000    11.8            22.9          27.9                   17.0                     
  OVER $100,000        5.9            17.8          32.2                    9.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,157            $2                   0.25                     
  $  5001 -  10000                  $7,111          $177                   0.34                     
  $ 10001 -  15000                 $12,298          $465                   1.00                     
  $ 15001 -  20000                 $17,398          $756                   1.35                     
  $ 20001 -  25000                 $22,641        $1,108                   1.76                     
  $ 25001 -  30000                 $27,481        $1,095                   2.23                     
  $ 30001 -  35000                 $32,374        $1,573                   2.46                     
  $ 35001 -  40000                 $37,884        $2,133                   2.61                     
  $ 40001 -  45000                 $42,254        $2,220                   2.91                     
  $ 45001 -  50000                 $47,038        $2,331                   3.59                     
  $ 50001 -  75000                 $62,275        $3,947                   3.63                     
  $ 75001 - 100000                 $85,304        $8,531                   3.39                     
  OVER $100,000                   $132,387       $19,649                   3.86                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $44,104        $3,618                   2.36                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                    
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   PLEASANT GROVE UT                                                
                        _________________________________________________                           
  UNDER $1               59    $-2,819,420        $1,040     -0.04         128                      
  $     1  -  5000      913     $2,452,045        $8,003      0.33         443                      
  $  5001 -  10000      841     $6,215,542       $90,828      1.46         858                      
  $ 10001 -  15000      745     $9,302,321      $200,856      2.16       1,320                      
  $ 15001 -  20000      668    $11,612,056      $348,826      3.00       1,335                      
  $ 20001 -  25000      591    $13,267,133      $468,521      3.53       1,439                      
  $ 25001 -  30000      527    $14,505,634      $532,520      3.67       1,435                      
  $ 30001 -  35000      436    $14,132,726      $575,128      4.07       1,253                      
  $ 35001 -  40000      433    $16,247,938      $668,485      4.11       1,350                      
  $ 40001 -  45000      383    $16,191,134      $689,551      4.26       1,332                      
  $ 45001 -  50000      384    $18,282,939      $902,827      4.94       1,299                      
  $ 50001 -  75000    1,472    $90,269,454    $5,020,261      5.56       5,777                      
  $ 75001 - 100000      687    $58,947,176    $4,623,230      7.84       2,837                      
  $100001 - 250000      474    $61,275,627    $7,899,149     12.89       2,010                      
  OVER $250,000          29    $12,200,351    $2,740,360     22.46         129                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,642    $342,082,656   $24,769,585      7.24       22,945                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.7            -0.8           0.0                    0.6                     
  $     1  -  5000    10.6             0.7           0.0                    1.9                     
  $  5001 -  10000     9.7             1.8           0.4                    3.7                     
  $ 10001 -  15000     8.6             2.7           0.8                    5.8                     
  $ 15001 -  20000     7.7             3.4           1.4                    5.8                     
  $ 20001 -  25000     6.8             3.9           1.9                    6.3                     
  $ 25001 -  30000     6.1             4.2           2.1                    6.3                     
  $ 30001 -  35000     5.0             4.1           2.3                    5.5                     
  $ 35001 -  40000     5.0             4.7           2.7                    5.9                     
  $ 40001 -  45000     4.4             4.7           2.8                    5.8                     
  $ 45001 -  50000     4.4             5.3           3.6                    5.7                     
  $ 50001 -  75000    17.0            26.4          20.3                   25.2                     
  $ 75001 - 100000     7.9            17.2          18.7                   12.4                     
  $100001 - 250000     5.5            17.9          31.9                    8.8                     
  OVER $250,000        0.3             3.6          11.1                    0.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-47,787           $18                   2.17                     
  $     1  -  5000                  $2,686            $9                   0.49                     
  $  5001 -  10000                  $7,391          $108                   1.02                     
  $ 10001 -  15000                 $12,486          $270                   1.77                     
  $ 15001 -  20000                 $17,383          $522                   2.00                     
  $ 20001 -  25000                 $22,449          $793                   2.43                     
  $ 25001 -  30000                 $27,525        $1,010                   2.72                     
  $ 30001 -  35000                 $32,415        $1,319                   2.87                     
  $ 35001 -  40000                 $37,524        $1,544                   3.12                     
  $ 40001 -  45000                 $42,275        $1,800                   3.48                     
  $ 45001 -  50000                 $47,612        $2,351                   3.38                     
  $ 50001 -  75000                 $61,324        $3,411                   3.92                     
  $ 75001 - 100000                 $85,804        $6,730                   4.13                     
  $100001 - 250000                $129,273       $16,665                   4.24                     
  OVER $250,000                   $420,702       $94,495                   4.45                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,584        $2,866                   2.66                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                     
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   PLEASANT VIEW UT                                                 
                        _________________________________________________                           
  UNDER $1               13      $-560,772            $0      0.00          14                      
  $     1  -  5000      182       $445,431        $3,745      0.84          33                      
  $  5001 -  10000      109       $793,325       $15,229      1.92          65                      
  $ 10001 -  15000       83     $1,013,282       $29,666      2.93          92                      
  $ 15001 -  20000       64     $1,104,413       $38,059      3.45         104                      
  $ 20001 -  25000       63     $1,406,421       $50,620      3.60         128                      
  $ 25001 -  30000       50     $1,373,332       $68,615      5.00         103                      
  $ 30001 -  35000       34     $1,110,253       $76,214      6.86          67                      
  $ 35001 -  40000       41     $1,533,224       $63,619      4.15         127                      
  $ 40001 -  45000       34     $1,446,013       $88,678      6.13          90                      
  $ 45001 -  50000       36     $1,700,851       $74,452      4.38         132                      
  $ 50001 -  75000      165    $10,403,164      $693,802      6.67         570                      
  $ 75001 - 100000      143    $12,332,840    $1,077,245      8.73         546                      
  $100001 - 250000      116    $15,382,604    $2,040,938     13.27         449                      
  OVER $250,000          13     $6,250,839    $1,448,562     23.17          48                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,146     $55,735,220    $5,769,444     10.35        2,568                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -1.0           0.0                    0.5                     
  $     1  -  5000    15.9             0.8           0.1                    1.3                     
  $  5001 -  10000     9.5             1.4           0.3                    2.5                     
  $ 10001 -  15000     7.2             1.8           0.5                    3.6                     
  $ 15001 -  20000     5.6             2.0           0.7                    4.0                     
  $ 20001 -  25000     5.5             2.5           0.9                    5.0                     
  $ 25001 -  30000     4.4             2.5           1.2                    4.0                     
  $ 30001 -  35000     3.0             2.0           1.3                    2.6                     
  $ 35001 -  40000     3.6             2.8           1.1                    4.9                     
  $ 40001 -  45000     3.0             2.6           1.5                    3.5                     
  $ 45001 -  50000     3.1             3.1           1.3                    5.1                     
  $ 50001 -  75000    14.4            18.7          12.0                   22.2                     
  $ 75001 - 100000    12.5            22.1          18.7                   21.3                     
  $100001 - 250000    10.1            27.6          35.4                   17.5                     
  OVER $250,000        1.1            11.2          25.1                    1.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-43,136            $0                   1.08                     
  $     1  -  5000                  $2,447           $21                   0.18                     
  $  5001 -  10000                  $7,278          $140                   0.60                     
  $ 10001 -  15000                 $12,208          $357                   1.11                     
  $ 15001 -  20000                 $17,256          $595                   1.63                     
  $ 20001 -  25000                 $22,324          $803                   2.03                     
  $ 25001 -  30000                 $27,467        $1,372                   2.06                     
  $ 30001 -  35000                 $32,655        $2,242                   1.97                     
  $ 35001 -  40000                 $37,396        $1,552                   3.10                     
  $ 40001 -  45000                 $42,530        $2,608                   2.65                     
  $ 45001 -  50000                 $47,246        $2,068                   3.67                     
  $ 50001 -  75000                 $63,049        $4,205                   3.45                     
  $ 75001 - 100000                 $86,244        $7,533                   3.82                     
  $100001 - 250000                $132,609       $17,594                   3.87                     
  OVER $250,000                   $480,834      $111,428                   3.69                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $48,635        $5,034                   2.24                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   PRICE UT                                                         
                        _________________________________________________                           
  UNDER $1               47      $-515,427          $706     -0.14          88                      
  $     1  -  5000      630     $1,735,541        $7,942      0.46         448                      
  $  5001 -  10000      622     $4,611,246       $53,796      1.17         726                      
  $ 10001 -  15000      513     $6,328,391      $130,604      2.06         869                      
  $ 15001 -  20000      383     $6,615,241      $209,705      3.17         729                      
  $ 20001 -  25000      280     $6,285,489      $224,571      3.57         620                      
  $ 25001 -  30000      287     $7,861,205      $384,161      4.89         633                      
  $ 30001 -  35000      268     $8,703,416      $478,750      5.50         645                      
  $ 35001 -  40000      243     $9,061,557      $545,891      6.02         646                      
  $ 40001 -  45000      200     $8,506,023      $593,886      6.98         527                      
  $ 45001 -  50000      207     $9,813,691      $700,670      7.14         605                      
  $ 50001 -  75000      765    $46,663,645    $3,895,962      8.35       2,453                      
  $ 75001 - 100000      390    $33,319,637    $3,806,663     11.42       1,255                      
  $100001 - 250000      188    $23,892,195    $3,708,023     15.52         590                      
  OVER $250,000          22     $8,382,652    $2,149,947     25.65          72                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              5,045    $181,264,502   $16,891,277      9.32       10,906                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.9            -0.3           0.0                    0.8                     
  $     1  -  5000    12.5             1.0           0.0                    4.1                     
  $  5001 -  10000    12.3             2.5           0.3                    6.7                     
  $ 10001 -  15000    10.2             3.5           0.8                    8.0                     
  $ 15001 -  20000     7.6             3.6           1.2                    6.7                     
  $ 20001 -  25000     5.6             3.5           1.3                    5.7                     
  $ 25001 -  30000     5.7             4.3           2.3                    5.8                     
  $ 30001 -  35000     5.3             4.8           2.8                    5.9                     
  $ 35001 -  40000     4.8             5.0           3.2                    5.9                     
  $ 40001 -  45000     4.0             4.7           3.5                    4.8                     
  $ 45001 -  50000     4.1             5.4           4.1                    5.5                     
  $ 50001 -  75000    15.2            25.7          23.1                   22.5                     
  $ 75001 - 100000     7.7            18.4          22.5                   11.5                     
  $100001 - 250000     3.7            13.2          22.0                    5.4                     
  OVER $250,000        0.4             4.6          12.7                    0.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-10,967           $15                   1.87                     
  $     1  -  5000                  $2,755           $13                   0.71                     
  $  5001 -  10000                  $7,414           $86                   1.17                     
  $ 10001 -  15000                 $12,336          $255                   1.69                     
  $ 15001 -  20000                 $17,272          $548                   1.90                     
  $ 20001 -  25000                 $22,448          $802                   2.21                     
  $ 25001 -  30000                 $27,391        $1,339                   2.21                     
  $ 30001 -  35000                 $32,475        $1,786                   2.41                     
  $ 35001 -  40000                 $37,290        $2,246                   2.66                     
  $ 40001 -  45000                 $42,530        $2,969                   2.64                     
  $ 45001 -  50000                 $47,409        $3,385                   2.92                     
  $ 50001 -  75000                 $60,998        $5,093                   3.21                     
  $ 75001 - 100000                 $85,435        $9,761                   3.22                     
  $100001 - 250000                $127,086       $19,724                   3.14                     
  OVER $250,000                   $381,030       $97,725                   3.27                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $35,930        $3,348                   2.16                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   PROVIDENCE UT                                                    
                        _________________________________________________                           
  UNDER $1               24      $-491,791            $0      0.00          35                      
  $     1  -  5000      222       $560,728        $2,797      0.50          80                      
  $  5001 -  10000      190     $1,409,379       $26,622      1.89         133                      
  $ 10001 -  15000      152     $1,881,596       $51,879      2.76         191                      
  $ 15001 -  20000       94     $1,618,391       $47,970      2.96         185                      
  $ 20001 -  25000      101     $2,276,003       $81,204      3.57         223                      
  $ 25001 -  30000       96     $2,640,396      $109,422      4.14         221                      
  $ 30001 -  35000       89     $2,881,784      $109,107      3.79         257                      
  $ 35001 -  40000       87     $3,219,734      $132,438      4.11         265                      
  $ 40001 -  45000       92     $3,919,006      $186,221      4.75         279                      
  $ 45001 -  50000       87     $4,131,405      $223,526      5.41         276                      
  $ 50001 -  75000      353    $21,784,928    $1,431,642      6.57       1,244                      
  $ 75001 - 100000      182    $15,612,870    $1,535,941      9.84         677                      
  $100001 - 250000      173    $23,874,205    $3,543,872     14.84         639                      
  OVER $250,000          23    $11,419,444    $3,052,343     26.73          81                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,965     $96,738,078   $10,534,984     10.89        4,786                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.2            -0.5           0.0                    0.7                     
  $     1  -  5000    11.3             0.6           0.0                    1.7                     
  $  5001 -  10000     9.7             1.5           0.3                    2.8                     
  $ 10001 -  15000     7.7             1.9           0.5                    4.0                     
  $ 15001 -  20000     4.8             1.7           0.5                    3.9                     
  $ 20001 -  25000     5.1             2.4           0.8                    4.7                     
  $ 25001 -  30000     4.9             2.7           1.0                    4.6                     
  $ 30001 -  35000     4.5             3.0           1.0                    5.4                     
  $ 35001 -  40000     4.4             3.3           1.3                    5.5                     
  $ 40001 -  45000     4.7             4.1           1.8                    5.8                     
  $ 45001 -  50000     4.4             4.3           2.1                    5.8                     
  $ 50001 -  75000    18.0            22.5          13.6                   26.0                     
  $ 75001 - 100000     9.3            16.1          14.6                   14.1                     
  $100001 - 250000     8.8            24.7          33.6                   13.4                     
  OVER $250,000        1.2            11.8          29.0                    1.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-20,491            $0                   1.46                     
  $     1  -  5000                  $2,526           $13                   0.36                     
  $  5001 -  10000                  $7,418          $140                   0.70                     
  $ 10001 -  15000                 $12,379          $341                   1.26                     
  $ 15001 -  20000                 $17,217          $510                   1.97                     
  $ 20001 -  25000                 $22,535          $804                   2.21                     
  $ 25001 -  30000                 $27,504        $1,140                   2.30                     
  $ 30001 -  35000                 $32,380        $1,226                   2.89                     
  $ 35001 -  40000                 $37,008        $1,522                   3.05                     
  $ 40001 -  45000                 $42,598        $2,024                   3.03                     
  $ 45001 -  50000                 $47,487        $2,569                   3.17                     
  $ 50001 -  75000                 $61,714        $4,056                   3.52                     
  $ 75001 - 100000                 $85,785        $8,439                   3.72                     
  $100001 - 250000                $138,001       $20,485                   3.69                     
  OVER $250,000                   $496,498      $132,711                   3.52                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $49,231        $5,361                   2.44                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   PROVO UT                                                         
                        _________________________________________________                           
  UNDER $1              378   $-17,240,475       $10,129     -0.06         628                      
  $     1  -  5000    4,806    $13,537,066       $35,628      0.26       3,326                      
  $  5001 -  10000    5,366    $39,594,891      $494,647      1.25       5,848                      
  $ 10001 -  15000    4,412    $54,766,010    $1,052,007      1.92       7,608                      
  $ 15001 -  20000    3,540    $61,677,509    $1,623,602      2.63       7,271                      
  $ 20001 -  25000    2,866    $64,088,545    $2,012,732      3.14       6,589                      
  $ 25001 -  30000    2,202    $60,395,714    $2,292,192      3.80       5,477                      
  $ 30001 -  35000    1,649    $53,456,842    $2,378,734      4.45       4,341                      
  $ 35001 -  40000    1,350    $50,442,953    $2,594,049      5.14       3,710                      
  $ 40001 -  45000    1,091    $46,370,928    $2,578,386      5.56       3,214                      
  $ 45001 -  50000      909    $43,136,520    $2,488,804      5.77       2,812                      
  $ 50001 -  75000    2,780   $168,796,071   $11,580,147      6.86       9,249                      
  $ 75001 - 100000    1,247   $107,100,266    $9,797,331      9.15       4,407                      
  $100001 - 250000    1,107   $152,832,026   $21,582,404     14.12       3,889                      
  OVER $250,000         188   $119,410,772   $31,678,915     26.53         727                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             33,891  $1,018,365,638   $92,199,707      9.05       69,096                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -1.7           0.0                    0.9                     
  $     1  -  5000    14.2             1.3           0.0                    4.8                     
  $  5001 -  10000    15.8             3.9           0.5                    8.5                     
  $ 10001 -  15000    13.0             5.4           1.1                   11.0                     
  $ 15001 -  20000    10.4             6.1           1.8                   10.5                     
  $ 20001 -  25000     8.5             6.3           2.2                    9.5                     
  $ 25001 -  30000     6.5             5.9           2.5                    7.9                     
  $ 30001 -  35000     4.9             5.2           2.6                    6.3                     
  $ 35001 -  40000     4.0             5.0           2.8                    5.4                     
  $ 40001 -  45000     3.2             4.6           2.8                    4.7                     
  $ 45001 -  50000     2.7             4.2           2.7                    4.1                     
  $ 50001 -  75000     8.2            16.6          12.6                   13.4                     
  $ 75001 - 100000     3.7            10.5          10.6                    6.4                     
  $100001 - 250000     3.3            15.0          23.4                    5.6                     
  OVER $250,000        0.6            11.7          34.4                    1.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-45,610           $27                   1.66                     
  $     1  -  5000                  $2,817            $7                   0.69                     
  $  5001 -  10000                  $7,379           $92                   1.09                     
  $ 10001 -  15000                 $12,413          $238                   1.72                     
  $ 15001 -  20000                 $17,423          $459                   2.05                     
  $ 20001 -  25000                 $22,362          $702                   2.30                     
  $ 25001 -  30000                 $27,428        $1,041                   2.49                     
  $ 30001 -  35000                 $32,418        $1,443                   2.63                     
  $ 35001 -  40000                 $37,365        $1,922                   2.75                     
  $ 40001 -  45000                 $42,503        $2,363                   2.95                     
  $ 45001 -  50000                 $47,455        $2,738                   3.09                     
  $ 50001 -  75000                 $60,718        $4,166                   3.33                     
  $ 75001 - 100000                 $85,886        $7,857                   3.53                     
  $100001 - 250000                $138,060       $19,496                   3.51                     
  OVER $250,000                   $635,164      $168,505                   3.87                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,048        $2,720                   2.04                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   RICHFIELD UT                                                     
                        _________________________________________________                           
  UNDER $1               42    $-1,009,892           $69     -0.01          95                      
  $     1  -  5000      365     $1,012,732        $2,156      0.21         276                      
  $  5001 -  10000      318     $2,328,427       $37,960      1.63         348                      
  $ 10001 -  15000      263     $3,314,982       $64,926      1.96         474                      
  $ 15001 -  20000      213     $3,718,257      $114,545      3.08         449                      
  $ 20001 -  25000      189     $4,232,034      $136,479      3.22         493                      
  $ 25001 -  30000      149     $4,086,848      $165,507      4.05         374                      
  $ 30001 -  35000      125     $4,034,824      $145,506      3.61         375                      
  $ 35001 -  40000      142     $5,310,463      $247,842      4.67         436                      
  $ 40001 -  45000      128     $5,457,428      $259,963      4.76         436                      
  $ 45001 -  50000      119     $5,619,494      $304,457      5.42         411                      
  $ 50001 -  75000      346    $21,048,182    $1,469,810      6.98       1,214                      
  $ 75001 - 100000      153    $13,047,231    $1,305,896     10.01         537                      
  $100001 - 250000      101    $13,806,443    $2,027,792     14.69         374                      
  OVER $250,000          10     $4,086,905      $896,047     21.92          47                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,663     $90,094,358    $7,178,955      7.97        6,339                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.6            -1.1           0.0                    1.5                     
  $     1  -  5000    13.7             1.1           0.0                    4.4                     
  $  5001 -  10000    11.9             2.6           0.5                    5.5                     
  $ 10001 -  15000     9.9             3.7           0.9                    7.5                     
  $ 15001 -  20000     8.0             4.1           1.6                    7.1                     
  $ 20001 -  25000     7.1             4.7           1.9                    7.8                     
  $ 25001 -  30000     5.6             4.5           2.3                    5.9                     
  $ 30001 -  35000     4.7             4.5           2.0                    5.9                     
  $ 35001 -  40000     5.3             5.9           3.5                    6.9                     
  $ 40001 -  45000     4.8             6.1           3.6                    6.9                     
  $ 45001 -  50000     4.5             6.2           4.2                    6.5                     
  $ 50001 -  75000    13.0            23.4          20.5                   19.2                     
  $ 75001 - 100000     5.7            14.5          18.2                    8.5                     
  $100001 - 250000     3.8            15.3          28.2                    5.9                     
  OVER $250,000        0.4             4.5          12.5                    0.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-24,045            $2                   2.26                     
  $     1  -  5000                  $2,775            $6                   0.76                     
  $  5001 -  10000                  $7,322          $119                   1.09                     
  $ 10001 -  15000                 $12,604          $247                   1.80                     
  $ 15001 -  20000                 $17,457          $538                   2.11                     
  $ 20001 -  25000                 $22,392          $722                   2.61                     
  $ 25001 -  30000                 $27,429        $1,111                   2.51                     
  $ 30001 -  35000                 $32,279        $1,164                   3.00                     
  $ 35001 -  40000                 $37,398        $1,745                   3.07                     
  $ 40001 -  45000                 $42,636        $2,031                   3.41                     
  $ 45001 -  50000                 $47,223        $2,558                   3.45                     
  $ 50001 -  75000                 $60,833        $4,248                   3.51                     
  $ 75001 - 100000                 $85,276        $8,535                   3.51                     
  $100001 - 250000                $136,697       $20,077                   3.70                     
  OVER $250,000                   $408,691       $89,605                   4.70                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $33,832        $2,696                   2.38                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   RICHMOND UT                                                      
                        _________________________________________________                           
  UNDER $ 5,000         108       $210,729          $906      0.43          64                      
  $  5001 -  10000       86       $646,178       $10,615      1.64          74                      
  $ 10001 -  15000       84     $1,022,683       $21,341      2.09         132                      
  $ 15001 -  20000       76     $1,335,224       $43,901      3.29         137                      
  $ 20001 -  25000       61     $1,361,394       $49,891      3.66         135                      
  $ 25001 -  30000       63     $1,743,437       $81,143      4.65         147                      
  $ 30001 -  35000       71     $2,297,386       $91,215      3.97         240                      
  $ 35001 -  40000       54     $2,008,325      $104,988      5.23         157                      
  $ 40001 -  45000       42     $1,781,973       $70,002      3.93         155                      
  $ 45001 -  50000       48     $2,289,398      $111,832      4.88         184                      
  $ 50001 -  75000      166    $10,039,768      $702,927      7.00         593                      
  $ 75001 - 100000       41     $3,491,472      $337,517      9.67         150                      
  OVER $100,000          22     $4,100,786      $816,484     19.91          76                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                922     $32,328,753    $2,442,762      7.56        2,244                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       11.7             0.7           0.0                    2.9                     
  $  5001 -  10000     9.3             2.0           0.4                    3.3                     
  $ 10001 -  15000     9.1             3.2           0.9                    5.9                     
  $ 15001 -  20000     8.2             4.1           1.8                    6.1                     
  $ 20001 -  25000     6.6             4.2           2.0                    6.0                     
  $ 25001 -  30000     6.8             5.4           3.3                    6.6                     
  $ 30001 -  35000     7.7             7.1           3.7                   10.7                     
  $ 35001 -  40000     5.9             6.2           4.3                    7.0                     
  $ 40001 -  45000     4.6             5.5           2.9                    6.9                     
  $ 45001 -  50000     5.2             7.1           4.6                    8.2                     
  $ 50001 -  75000    18.0            31.1          28.8                   26.4                     
  $ 75001 - 100000     4.4            10.8          13.8                    6.7                     
  OVER $100,000        2.4            12.7          33.4                    3.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $1,951            $8                   0.59                     
  $  5001 -  10000                  $7,514          $123                   0.86                     
  $ 10001 -  15000                 $12,175          $254                   1.57                     
  $ 15001 -  20000                 $17,569          $578                   1.80                     
  $ 20001 -  25000                 $22,318          $818                   2.21                     
  $ 25001 -  30000                 $27,674        $1,288                   2.33                     
  $ 30001 -  35000                 $32,358        $1,285                   3.38                     
  $ 35001 -  40000                 $37,191        $1,944                   2.91                     
  $ 40001 -  45000                 $42,428        $1,667                   3.69                     
  $ 45001 -  50000                 $47,696        $2,330                   3.83                     
  $ 50001 -  75000                 $60,481        $4,235                   3.57                     
  $ 75001 - 100000                 $85,158        $8,232                   3.66                     
  OVER $100,000                   $186,399       $37,113                   3.45                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $35,064        $2,649                   2.43                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   RIVERDALE UT                                                     
                        _________________________________________________                           
  UNDER $1               11      $-187,276        $7,695     -4.11          21                      
  $     1  -  5000      198       $525,181        $1,101      0.21         101                      
  $  5001 -  10000      203     $1,489,429       $18,155      1.22         229                      
  $ 10001 -  15000      187     $2,332,575       $58,623      2.51         270                      
  $ 15001 -  20000      186     $3,252,884      $129,468      3.98         310                      
  $ 20001 -  25000      163     $3,665,321      $155,518      4.24         318                      
  $ 25001 -  30000      156     $4,263,603      $219,243      5.14         325                      
  $ 30001 -  35000      128     $4,140,373      $249,667      6.03         269                      
  $ 35001 -  40000      119     $4,429,317      $258,906      5.85         299                      
  $ 40001 -  45000      109     $4,617,246      $296,591      6.42         296                      
  $ 45001 -  50000      103     $4,888,430      $324,351      6.64         290                      
  $ 50001 -  75000      350    $21,541,987    $1,795,549      8.34       1,067                      
  $ 75001 - 100000      177    $15,247,530    $1,682,855     11.04         532                      
  OVER $100,000          87    $11,458,269    $1,757,859     15.34         281                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,177     $81,664,869    $6,955,581      8.52        4,608                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.5            -0.2           0.1                    0.5                     
  $     1  -  5000     9.1             0.6           0.0                    2.2                     
  $  5001 -  10000     9.3             1.8           0.3                    5.0                     
  $ 10001 -  15000     8.6             2.9           0.8                    5.9                     
  $ 15001 -  20000     8.5             4.0           1.9                    6.7                     
  $ 20001 -  25000     7.5             4.5           2.2                    6.9                     
  $ 25001 -  30000     7.2             5.2           3.2                    7.1                     
  $ 30001 -  35000     5.9             5.1           3.6                    5.8                     
  $ 35001 -  40000     5.5             5.4           3.7                    6.5                     
  $ 40001 -  45000     5.0             5.7           4.3                    6.4                     
  $ 45001 -  50000     4.7             6.0           4.7                    6.3                     
  $ 50001 -  75000    16.1            26.4          25.8                   23.2                     
  $ 75001 - 100000     8.1            18.7          24.2                   11.5                     
  OVER $100,000        4.0            14.0          25.3                    6.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-17,025          $700                   1.91                     
  $     1  -  5000                  $2,652            $6                   0.51                     
  $  5001 -  10000                  $7,337           $89                   1.13                     
  $ 10001 -  15000                 $12,474          $313                   1.44                     
  $ 15001 -  20000                 $17,489          $696                   1.67                     
  $ 20001 -  25000                 $22,487          $954                   1.95                     
  $ 25001 -  30000                 $27,331        $1,405                   2.08                     
  $ 30001 -  35000                 $32,347        $1,951                   2.10                     
  $ 35001 -  40000                 $37,221        $2,176                   2.51                     
  $ 40001 -  45000                 $42,360        $2,721                   2.72                     
  $ 45001 -  50000                 $47,460        $3,149                   2.82                     
  $ 50001 -  75000                 $61,549        $5,130                   3.05                     
  $ 75001 - 100000                 $86,144        $9,508                   3.01                     
  OVER $100,000                   $131,704       $20,205                   3.23                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $37,513        $3,195                   2.12                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   RIVERTON UT                                                      
                        _________________________________________________                           
  UNDER $1               68    $-1,659,762        $4,988     -0.30         144                      
  $     1  -  5000    1,102     $2,872,693        $9,832      0.34         398                      
  $  5001 -  10000      894     $6,688,664      $124,832      1.87         719                      
  $ 10001 -  15000      696     $8,718,502      $270,367      3.10         920                      
  $ 15001 -  20000      644    $11,283,884      $442,895      3.93       1,047                      
  $ 20001 -  25000      583    $13,064,509      $602,560      4.61       1,203                      
  $ 25001 -  30000      510    $14,031,951      $632,776      4.51       1,179                      
  $ 30001 -  35000      428    $13,937,853      $613,379      4.40       1,113                      
  $ 35001 -  40000      476    $17,903,788      $829,187      4.63       1,416                      
  $ 40001 -  45000      562    $23,957,859    $1,129,664      4.72       1,794                      
  $ 45001 -  50000      528    $25,144,855    $1,100,532      4.38       1,830                      
  $ 50001 -  75000    2,412   $150,076,871    $8,588,373      5.72       9,094                      
  $ 75001 - 100000    1,305   $112,014,053    $9,424,922      8.41       5,101                      
  $100001 - 250000      800   $102,438,187   $13,852,274     13.52       3,054                      
  OVER $250,000          35    $14,308,003    $3,325,897     23.25         124                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             11,043    $514,781,910   $40,952,478      7.96       29,136                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.6            -0.3           0.0                    0.5                     
  $     1  -  5000    10.0             0.6           0.0                    1.4                     
  $  5001 -  10000     8.1             1.3           0.3                    2.5                     
  $ 10001 -  15000     6.3             1.7           0.7                    3.2                     
  $ 15001 -  20000     5.8             2.2           1.1                    3.6                     
  $ 20001 -  25000     5.3             2.5           1.5                    4.1                     
  $ 25001 -  30000     4.6             2.7           1.5                    4.0                     
  $ 30001 -  35000     3.9             2.7           1.5                    3.8                     
  $ 35001 -  40000     4.3             3.5           2.0                    4.9                     
  $ 40001 -  45000     5.1             4.7           2.8                    6.2                     
  $ 45001 -  50000     4.8             4.9           2.7                    6.3                     
  $ 50001 -  75000    21.8            29.2          21.0                   31.2                     
  $ 75001 - 100000    11.8            21.8          23.0                   17.5                     
  $100001 - 250000     7.2            19.9          33.8                   10.5                     
  OVER $250,000        0.3             2.8           8.1                    0.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-24,408           $73                   2.12                     
  $     1  -  5000                  $2,607            $9                   0.36                     
  $  5001 -  10000                  $7,482          $140                   0.80                     
  $ 10001 -  15000                 $12,527          $388                   1.32                     
  $ 15001 -  20000                 $17,522          $688                   1.63                     
  $ 20001 -  25000                 $22,409        $1,034                   2.06                     
  $ 25001 -  30000                 $27,514        $1,241                   2.31                     
  $ 30001 -  35000                 $32,565        $1,433                   2.60                     
  $ 35001 -  40000                 $37,613        $1,742                   2.97                     
  $ 40001 -  45000                 $42,630        $2,010                   3.19                     
  $ 45001 -  50000                 $47,623        $2,084                   3.47                     
  $ 50001 -  75000                 $62,221        $3,561                   3.77                     
  $ 75001 - 100000                 $85,835        $7,222                   3.91                     
  $100001 - 250000                $128,048       $17,315                   3.82                     
  OVER $250,000                   $408,800       $95,026                   3.54                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $46,616        $3,708                   2.64                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   ROOSEVELT UT                                                     
                        _________________________________________________                           
  UNDER $1               33      $-854,185            $0      0.00          66                      
  $     1  -  5000      415     $1,149,395        $2,327      0.20         336                      
  $  5001 -  10000      337     $2,464,698       $24,754      1.00         491                      
  $ 10001 -  15000      311     $3,880,417       $87,687      2.26         542                      
  $ 15001 -  20000      267     $4,611,833      $124,536      2.70         589                      
  $ 20001 -  25000      227     $5,074,397      $168,377      3.32         535                      
  $ 25001 -  30000      229     $6,289,035      $224,131      3.56         644                      
  $ 30001 -  35000      169     $5,484,949      $218,241      3.98         507                      
  $ 35001 -  40000      166     $6,213,644      $301,682      4.86         532                      
  $ 40001 -  45000      171     $7,273,635      $375,146      5.16         557                      
  $ 45001 -  50000      130     $6,146,372      $363,600      5.92         467                      
  $ 50001 -  75000      419    $25,012,890    $1,731,347      6.92       1,550                      
  $ 75001 - 100000      157    $13,370,471    $1,392,914     10.42         549                      
  OVER $100,000          93    $14,600,810    $2,519,847     17.26         350                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,124    $100,718,361    $7,534,589      7.48        7,715                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -0.8           0.0                    0.9                     
  $     1  -  5000    13.3             1.1           0.0                    4.4                     
  $  5001 -  10000    10.8             2.4           0.3                    6.4                     
  $ 10001 -  15000    10.0             3.9           1.2                    7.0                     
  $ 15001 -  20000     8.5             4.6           1.7                    7.6                     
  $ 20001 -  25000     7.3             5.0           2.2                    6.9                     
  $ 25001 -  30000     7.3             6.2           3.0                    8.3                     
  $ 30001 -  35000     5.4             5.4           2.9                    6.6                     
  $ 35001 -  40000     5.3             6.2           4.0                    6.9                     
  $ 40001 -  45000     5.5             7.2           5.0                    7.2                     
  $ 45001 -  50000     4.2             6.1           4.8                    6.1                     
  $ 50001 -  75000    13.4            24.8          23.0                   20.1                     
  $ 75001 - 100000     5.0            13.3          18.5                    7.1                     
  OVER $100,000        3.0            14.5          33.4                    4.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-25,884            $0                   2.00                     
  $     1  -  5000                  $2,770            $6                   0.81                     
  $  5001 -  10000                  $7,314           $73                   1.46                     
  $ 10001 -  15000                 $12,477          $282                   1.74                     
  $ 15001 -  20000                 $17,273          $466                   2.21                     
  $ 20001 -  25000                 $22,354          $742                   2.36                     
  $ 25001 -  30000                 $27,463          $979                   2.81                     
  $ 30001 -  35000                 $32,455        $1,291                   3.00                     
  $ 35001 -  40000                 $37,432        $1,817                   3.20                     
  $ 40001 -  45000                 $42,536        $2,194                   3.26                     
  $ 45001 -  50000                 $47,280        $2,797                   3.59                     
  $ 50001 -  75000                 $59,697        $4,132                   3.70                     
  $ 75001 - 100000                 $85,162        $8,872                   3.50                     
  OVER $100,000                   $156,998       $27,095                   3.76                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $32,240        $2,412                   2.47                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                               
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   ROY UT                                                           
                        _________________________________________________                           
  UNDER $1               64      $-690,121        $1,611     -0.23          95                      
  $     1  -  5000    1,145     $3,116,764        $4,340      0.14         560                      
  $  5001 -  10000    1,089     $8,186,151      $114,237      1.40       1,095                      
  $ 10001 -  15000    1,070    $13,445,959      $360,373      2.68       1,514                      
  $ 15001 -  20000    1,197    $20,924,073      $787,058      3.76       1,993                      
  $ 20001 -  25000    1,138    $25,563,666    $1,158,696      4.53       2,156                      
  $ 25001 -  30000    1,096    $30,112,372    $1,472,377      4.89       2,334                      
  $ 30001 -  35000      956    $30,977,293    $1,687,790      5.45       2,192                      
  $ 35001 -  40000      954    $35,805,260    $2,038,161      5.69       2,451                      
  $ 40001 -  45000      931    $39,518,779    $2,399,418      6.07       2,562                      
  $ 45001 -  50000      871    $41,311,664    $2,737,829      6.63       2,436                      
  $ 50001 -  75000    3,004   $183,492,954   $14,013,488      7.64       9,571                      
  $ 75001 - 100000    1,182   $100,357,481   $10,560,406     10.52       3,844                      
  $100001 - 250000      445    $54,707,988    $8,107,465     14.82       1,409                      
  OVER $250,000          17     $8,083,263    $1,923,120     23.79          56                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             15,159    $594,913,546   $47,366,369      7.96       34,268                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.1           0.0                    0.3                     
  $     1  -  5000     7.6             0.5           0.0                    1.6                     
  $  5001 -  10000     7.2             1.4           0.2                    3.2                     
  $ 10001 -  15000     7.1             2.3           0.8                    4.4                     
  $ 15001 -  20000     7.9             3.5           1.7                    5.8                     
  $ 20001 -  25000     7.5             4.3           2.4                    6.3                     
  $ 25001 -  30000     7.2             5.1           3.1                    6.8                     
  $ 30001 -  35000     6.3             5.2           3.6                    6.4                     
  $ 35001 -  40000     6.3             6.0           4.3                    7.2                     
  $ 40001 -  45000     6.1             6.6           5.1                    7.5                     
  $ 45001 -  50000     5.7             6.9           5.8                    7.1                     
  $ 50001 -  75000    19.8            30.8          29.6                   27.9                     
  $ 75001 - 100000     7.8            16.9          22.3                   11.2                     
  $100001 - 250000     2.9             9.2          17.1                    4.1                     
  OVER $250,000        0.1             1.4           4.1                    0.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-10,783           $25                   1.48                     
  $     1  -  5000                  $2,722            $4                   0.49                     
  $  5001 -  10000                  $7,517          $105                   1.01                     
  $ 10001 -  15000                 $12,566          $337                   1.41                     
  $ 15001 -  20000                 $17,480          $658                   1.66                     
  $ 20001 -  25000                 $22,464        $1,018                   1.89                     
  $ 25001 -  30000                 $27,475        $1,343                   2.13                     
  $ 30001 -  35000                 $32,403        $1,765                   2.29                     
  $ 35001 -  40000                 $37,532        $2,136                   2.57                     
  $ 40001 -  45000                 $42,448        $2,577                   2.75                     
  $ 45001 -  50000                 $47,430        $3,143                   2.80                     
  $ 50001 -  75000                 $61,083        $4,665                   3.19                     
  $ 75001 - 100000                 $84,905        $8,934                   3.25                     
  $100001 - 250000                $122,939       $18,219                   3.17                     
  OVER $250,000                   $475,486      $113,125                   3.29                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,245        $3,125                   2.26                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   SALEM UT                                                         
                        _________________________________________________                           
  UNDER $1               28      $-885,096            $0      0.00          72                      
  $     1  -  5000      261       $610,424        $3,505      0.57         101                      
  $  5001 -  10000      173     $1,251,622       $17,882      1.43         146                      
  $ 10001 -  15000      147     $1,807,503       $47,804      2.64         216                      
  $ 15001 -  20000      133     $2,306,131       $83,599      3.63         247                      
  $ 20001 -  25000      111     $2,494,594       $89,471      3.59         260                      
  $ 25001 -  30000      100     $2,746,480      $108,161      3.94         255                      
  $ 30001 -  35000       92     $2,999,164      $108,484      3.62         273                      
  $ 35001 -  40000       90     $3,358,063      $157,253      4.68         260                      
  $ 40001 -  45000       92     $3,906,343      $155,665      3.98         334                      
  $ 45001 -  50000       75     $3,557,553      $154,974      4.36         279                      
  $ 50001 -  75000      312    $19,089,656    $1,093,038      5.73       1,239                      
  $ 75001 - 100000      169    $14,442,717    $1,155,934      8.00         701                      
  $100001 - 250000      104    $13,874,815    $1,858,566     13.40         458                      
  OVER $250,000          18    $11,326,127    $3,343,404     29.52          78                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,905     $82,886,096    $8,377,740     10.11        4,919                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.5            -1.1           0.0                    1.5                     
  $     1  -  5000    13.7             0.7           0.0                    2.1                     
  $  5001 -  10000     9.1             1.5           0.2                    3.0                     
  $ 10001 -  15000     7.7             2.2           0.6                    4.4                     
  $ 15001 -  20000     7.0             2.8           1.0                    5.0                     
  $ 20001 -  25000     5.8             3.0           1.1                    5.3                     
  $ 25001 -  30000     5.2             3.3           1.3                    5.2                     
  $ 30001 -  35000     4.8             3.6           1.3                    5.5                     
  $ 35001 -  40000     4.7             4.1           1.9                    5.3                     
  $ 40001 -  45000     4.8             4.7           1.9                    6.8                     
  $ 45001 -  50000     3.9             4.3           1.8                    5.7                     
  $ 50001 -  75000    16.4            23.0          13.0                   25.2                     
  $ 75001 - 100000     8.9            17.4          13.8                   14.3                     
  $100001 - 250000     5.5            16.7          22.2                    9.3                     
  OVER $250,000        0.9            13.7          39.9                    1.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-31,611            $0                   2.57                     
  $     1  -  5000                  $2,339           $13                   0.39                     
  $  5001 -  10000                  $7,235          $103                   0.84                     
  $ 10001 -  15000                 $12,296          $325                   1.47                     
  $ 15001 -  20000                 $17,339          $629                   1.86                     
  $ 20001 -  25000                 $22,474          $806                   2.34                     
  $ 25001 -  30000                 $27,465        $1,082                   2.55                     
  $ 30001 -  35000                 $32,600        $1,179                   2.97                     
  $ 35001 -  40000                 $37,312        $1,747                   2.89                     
  $ 40001 -  45000                 $42,460        $1,692                   3.63                     
  $ 45001 -  50000                 $47,434        $2,066                   3.72                     
  $ 50001 -  75000                 $61,185        $3,503                   3.97                     
  $ 75001 - 100000                 $85,460        $6,840                   4.15                     
  $100001 - 250000                $133,412       $17,871                   4.40                     
  OVER $250,000                   $629,229      $185,745                   4.33                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $43,510        $4,398                   2.58                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   SALINA UT                                                        
                        _________________________________________________                           
  UNDER $1               14      $-398,968            $0      0.00          27                      
  $     1  -  5000      118       $358,022          $111      0.03          83                      
  $  5001 -  10000      126       $950,403       $12,464      1.31         154                      
  $ 10001 -  15000       91     $1,152,279       $18,149      1.58         189                      
  $ 15001 -  20000       72     $1,250,160       $33,292      2.66         149                      
  $ 20001 -  25000       65     $1,469,087       $59,791      4.07         140                      
  $ 25001 -  30000       60     $1,650,311       $69,289      4.20         149                      
  $ 30001 -  35000       57     $1,844,807       $64,451      3.49         197                      
  $ 35001 -  40000       51     $1,906,521       $92,290      4.84         160                      
  $ 40001 -  45000       50     $2,121,932       $93,470      4.40         175                      
  $ 45001 -  50000       41     $1,942,431      $116,942      6.02         128                      
  $ 50001 -  75000      133     $8,051,433      $583,711      7.25         457                      
  $ 75001 - 100000       25     $2,157,162      $214,919      9.96          82                      
  OVER $100,000          19     $6,082,338    $1,617,163     26.59          50                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                922     $30,537,918    $2,976,042      9.75        2,140                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.5            -1.3           0.0                    1.3                     
  $     1  -  5000    12.8             1.2           0.0                    3.9                     
  $  5001 -  10000    13.7             3.1           0.4                    7.2                     
  $ 10001 -  15000     9.9             3.8           0.6                    8.8                     
  $ 15001 -  20000     7.8             4.1           1.1                    7.0                     
  $ 20001 -  25000     7.0             4.8           2.0                    6.5                     
  $ 25001 -  30000     6.5             5.4           2.3                    7.0                     
  $ 30001 -  35000     6.2             6.0           2.2                    9.2                     
  $ 35001 -  40000     5.5             6.2           3.1                    7.5                     
  $ 40001 -  45000     5.4             6.9           3.1                    8.2                     
  $ 45001 -  50000     4.4             6.4           3.9                    6.0                     
  $ 50001 -  75000    14.4            26.4          19.6                   21.4                     
  $ 75001 - 100000     2.7             7.1           7.2                    3.8                     
  OVER $100,000        2.1            19.9          54.3                    2.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-28,498            $0                   1.93                     
  $     1  -  5000                  $3,034            $1                   0.70                     
  $  5001 -  10000                  $7,543           $99                   1.22                     
  $ 10001 -  15000                 $12,662          $199                   2.08                     
  $ 15001 -  20000                 $17,363          $462                   2.07                     
  $ 20001 -  25000                 $22,601          $920                   2.15                     
  $ 25001 -  30000                 $27,505        $1,155                   2.48                     
  $ 30001 -  35000                 $32,365        $1,131                   3.46                     
  $ 35001 -  40000                 $37,383        $1,810                   3.14                     
  $ 40001 -  45000                 $42,439        $1,869                   3.50                     
  $ 45001 -  50000                 $47,376        $2,852                   3.12                     
  $ 50001 -  75000                 $60,537        $4,389                   3.44                     
  $ 75001 - 100000                 $86,286        $8,597                   3.28                     
  OVER $100,000                   $320,123       $85,114                   2.63                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $33,121        $3,228                   2.32                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                    
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   SALT LAKE CITY UT                                                
                        _________________________________________________                           
  UNDER $1            1,958   $-53,420,473      $100,765     -0.19       2,378                      
  $     1  -  5000   13,496    $36,011,567      $202,311      0.56       9,650                      
  $  5001 -  10000   14,821   $111,037,091    $1,331,939      1.20      17,040                      
  $ 10001 -  15000   15,152   $189,468,202    $4,492,862      2.37      23,525                      
  $ 15001 -  20000   15,204   $265,691,694   $10,138,165      3.82      26,920                      
  $ 20001 -  25000   13,741   $308,170,011   $14,442,022      4.69      26,223                      
  $ 25001 -  30000   11,344   $311,102,609   $17,544,702      5.64      22,166                      
  $ 30001 -  35000    9,247   $299,803,276   $18,918,455      6.31      18,785                      
  $ 35001 -  40000    8,015   $300,144,642   $20,581,534      6.86      16,999                      
  $ 40001 -  45000    6,943   $294,617,411   $22,078,439      7.49      15,520                      
  $ 45001 -  50000    5,941   $281,761,023   $22,531,585      8.00      13,797                      
  $ 50001 -  75000   18,825 $1,148,871,498  $104,801,389      9.12      47,805                      
  $ 75001 - 100000    9,061   $778,985,850   $88,533,325     11.37      25,491                      
  $100001 - 250000    9,611 $1,358,989,175  $217,924,952     16.04      28,720                      
  OVER $250,000       1,960 $1,109,828,300  $294,726,927     26.56       5,994                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL            155,319  $6,741,061,876  $838,349,372     12.44      301,013                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.3            -0.8           0.0                    0.8                     
  $     1  -  5000     8.7             0.5           0.0                    3.2                     
  $  5001 -  10000     9.5             1.6           0.2                    5.7                     
  $ 10001 -  15000     9.8             2.8           0.5                    7.8                     
  $ 15001 -  20000     9.8             3.9           1.2                    8.9                     
  $ 20001 -  25000     8.8             4.6           1.7                    8.7                     
  $ 25001 -  30000     7.3             4.6           2.1                    7.4                     
  $ 30001 -  35000     6.0             4.4           2.3                    6.2                     
  $ 35001 -  40000     5.2             4.5           2.5                    5.6                     
  $ 40001 -  45000     4.5             4.4           2.6                    5.2                     
  $ 45001 -  50000     3.8             4.2           2.7                    4.6                     
  $ 50001 -  75000    12.1            17.0          12.5                   15.9                     
  $ 75001 - 100000     5.8            11.6          10.6                    8.5                     
  $100001 - 250000     6.2            20.2          26.0                    9.5                     
  OVER $250,000        1.3            16.5          35.2                    2.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-27,283           $51                   1.21                     
  $     1  -  5000                  $2,668           $15                   0.72                     
  $  5001 -  10000                  $7,492           $90                   1.15                     
  $ 10001 -  15000                 $12,505          $297                   1.55                     
  $ 15001 -  20000                 $17,475          $667                   1.77                     
  $ 20001 -  25000                 $22,427        $1,051                   1.91                     
  $ 25001 -  30000                 $27,424        $1,547                   1.95                     
  $ 30001 -  35000                 $32,422        $2,046                   2.03                     
  $ 35001 -  40000                 $37,448        $2,568                   2.12                     
  $ 40001 -  45000                 $42,434        $3,180                   2.24                     
  $ 45001 -  50000                 $47,427        $3,793                   2.32                     
  $ 50001 -  75000                 $61,029        $5,567                   2.54                     
  $ 75001 - 100000                 $85,971        $9,771                   2.81                     
  $100001 - 250000                $141,399       $22,675                   2.99                     
  OVER $250,000                   $566,239      $150,371                   3.06                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $43,401        $5,398                   1.94                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   SANDY UT                                                         
                        _________________________________________________                           
  UNDER $1              486  $-129,072,496       $80,184     -0.06         763                      
  $     1  -  5000    4,913    $12,726,183       $52,776      0.41       1,859                      
  $  5001 -  10000    4,173    $30,895,258      $579,208      1.87       3,280                      
  $ 10001 -  15000    3,299    $41,124,353    $1,242,063      3.02       4,180                      
  $ 15001 -  20000    3,008    $52,743,378    $2,193,554      4.16       4,612                      
  $ 20001 -  25000    2,699    $60,535,841    $2,970,313      4.91       4,674                      
  $ 25001 -  30000    2,262    $62,013,605    $3,334,727      5.38       4,474                      
  $ 30001 -  35000    1,988    $64,591,129    $3,529,263      5.46       4,412                      
  $ 35001 -  40000    1,871    $70,058,001    $4,177,209      5.96       4,394                      
  $ 40001 -  45000    1,669    $70,846,773    $4,396,987      6.21       4,272                      
  $ 45001 -  50000    1,576    $74,800,304    $4,882,924      6.53       4,347                      
  $ 50001 -  75000    6,577   $406,416,171   $30,341,304      7.47      20,290                      
  $ 75001 - 100000    4,162   $358,407,483   $35,183,411      9.82      14,061                      
  $100001 - 250000    4,498   $625,516,271   $93,500,347     14.95      15,655                      
  OVER $250,000         617   $307,653,000   $79,237,465     25.76       2,178                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             43,798  $2,109,255,254  $265,701,735     12.60       93,451                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -6.1           0.0                    0.8                     
  $     1  -  5000    11.2             0.6           0.0                    2.0                     
  $  5001 -  10000     9.5             1.5           0.2                    3.5                     
  $ 10001 -  15000     7.5             1.9           0.5                    4.5                     
  $ 15001 -  20000     6.9             2.5           0.8                    4.9                     
  $ 20001 -  25000     6.2             2.9           1.1                    5.0                     
  $ 25001 -  30000     5.2             2.9           1.3                    4.8                     
  $ 30001 -  35000     4.5             3.1           1.3                    4.7                     
  $ 35001 -  40000     4.3             3.3           1.6                    4.7                     
  $ 40001 -  45000     3.8             3.4           1.7                    4.6                     
  $ 45001 -  50000     3.6             3.5           1.8                    4.7                     
  $ 50001 -  75000    15.0            19.3          11.4                   21.7                     
  $ 75001 - 100000     9.5            17.0          13.2                   15.0                     
  $100001 - 250000    10.3            29.7          35.2                   16.8                     
  OVER $250,000        1.4            14.6          29.8                    2.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-265581          $165                   1.57                     
  $     1  -  5000                  $2,590           $11                   0.38                     
  $  5001 -  10000                  $7,404          $139                   0.79                     
  $ 10001 -  15000                 $12,466          $376                   1.27                     
  $ 15001 -  20000                 $17,534          $729                   1.53                     
  $ 20001 -  25000                 $22,429        $1,101                   1.73                     
  $ 25001 -  30000                 $27,415        $1,474                   1.98                     
  $ 30001 -  35000                 $32,491        $1,775                   2.22                     
  $ 35001 -  40000                 $37,444        $2,233                   2.35                     
  $ 40001 -  45000                 $42,449        $2,635                   2.56                     
  $ 45001 -  50000                 $47,462        $3,098                   2.76                     
  $ 50001 -  75000                 $61,794        $4,613                   3.08                     
  $ 75001 - 100000                 $86,114        $8,453                   3.38                     
  $100001 - 250000                $139,065       $20,787                   3.48                     
  OVER $250,000                   $498,627      $128,424                   3.53                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $48,159        $6,067                   2.13                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   SANTA CLARA UT                                                   
                        _________________________________________________                           
  UNDER $1               28      $-714,125            $0      0.00          45                      
  $     1  -  5000      248       $674,889        $2,607      0.39          88                      
  $  5001 -  10000      209     $1,578,006       $38,312      2.43         183                      
  $ 10001 -  15000      183     $2,246,831       $57,317      2.55         284                      
  $ 15001 -  20000      121     $2,095,735       $57,942      2.76         233                      
  $ 20001 -  25000      106     $2,387,166       $81,158      3.40         248                      
  $ 25001 -  30000       93     $2,543,916       $85,806      3.37         237                      
  $ 30001 -  35000       80     $2,599,586      $121,898      4.69         209                      
  $ 35001 -  40000       78     $2,914,456       $95,950      3.29         269                      
  $ 40001 -  45000       82     $3,497,701      $174,957      5.00         261                      
  $ 45001 -  50000       68     $3,201,495      $157,538      4.92         231                      
  $ 50001 -  75000      302    $18,637,869    $1,158,771      6.22       1,072                      
  $ 75001 - 100000      151    $13,022,944    $1,106,212      8.49         597                      
  $100001 - 250000      119    $16,166,578    $2,160,922     13.37         487                      
  OVER $250,000          10     $3,791,491      $825,754     21.78          44                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,878     $74,644,538    $6,125,144      8.21        4,488                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.5            -1.0           0.0                    1.0                     
  $     1  -  5000    13.2             0.9           0.0                    2.0                     
  $  5001 -  10000    11.1             2.1           0.6                    4.1                     
  $ 10001 -  15000     9.7             3.0           0.9                    6.3                     
  $ 15001 -  20000     6.4             2.8           0.9                    5.2                     
  $ 20001 -  25000     5.6             3.2           1.3                    5.5                     
  $ 25001 -  30000     5.0             3.4           1.4                    5.3                     
  $ 30001 -  35000     4.3             3.5           2.0                    4.7                     
  $ 35001 -  40000     4.2             3.9           1.6                    6.0                     
  $ 40001 -  45000     4.4             4.7           2.9                    5.8                     
  $ 45001 -  50000     3.6             4.3           2.6                    5.1                     
  $ 50001 -  75000    16.1            25.0          18.9                   23.9                     
  $ 75001 - 100000     8.0            17.4          18.1                   13.3                     
  $100001 - 250000     6.3            21.7          35.3                   10.9                     
  OVER $250,000        0.5             5.1          13.5                    1.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-25,504            $0                   1.61                     
  $     1  -  5000                  $2,721           $11                   0.35                     
  $  5001 -  10000                  $7,550          $183                   0.88                     
  $ 10001 -  15000                 $12,278          $313                   1.55                     
  $ 15001 -  20000                 $17,320          $479                   1.93                     
  $ 20001 -  25000                 $22,520          $766                   2.34                     
  $ 25001 -  30000                 $27,354          $923                   2.55                     
  $ 30001 -  35000                 $32,495        $1,524                   2.61                     
  $ 35001 -  40000                 $37,365        $1,230                   3.45                     
  $ 40001 -  45000                 $42,655        $2,134                   3.18                     
  $ 45001 -  50000                 $47,081        $2,317                   3.40                     
  $ 50001 -  75000                 $61,715        $3,837                   3.55                     
  $ 75001 - 100000                 $86,245        $7,326                   3.95                     
  $100001 - 250000                $135,854       $18,159                   4.09                     
  OVER $250,000                   $379,149       $82,575                   4.40                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,747        $3,262                   2.39                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   SANTAQUIN UT                                                     
                        _________________________________________________                           
  UNDER $1               11      $-710,099            $0      0.00          20                      
  $     1  -  5000      163       $426,962        $1,036      0.24          84                      
  $  5001 -  10000      170     $1,262,698       $15,135      1.20         203                      
  $ 10001 -  15000      140     $1,726,765       $28,674      1.66         278                      
  $ 15001 -  20000      146     $2,548,408       $62,766      2.46         350                      
  $ 20001 -  25000      144     $3,239,102       $92,008      2.84         399                      
  $ 25001 -  30000      136     $3,745,315      $147,647      3.94         376                      
  $ 30001 -  35000      132     $4,274,411      $118,953      2.78         482                      
  $ 35001 -  40000      134     $5,005,375      $170,856      3.41         485                      
  $ 40001 -  45000      129     $5,476,974      $197,505      3.61         478                      
  $ 45001 -  50000      132     $6,274,684      $297,478      4.74         491                      
  $ 50001 -  75000      407    $24,632,103    $1,325,901      5.38       1,666                      
  $ 75001 - 100000       98     $8,364,648      $784,141      9.37         387                      
  OVER $100,000          39     $6,338,390      $993,794     15.68         167                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,981     $72,605,736    $4,235,894      5.83        5,866                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.6            -1.0           0.0                    0.3                     
  $     1  -  5000     8.2             0.6           0.0                    1.4                     
  $  5001 -  10000     8.6             1.7           0.4                    3.5                     
  $ 10001 -  15000     7.1             2.4           0.7                    4.7                     
  $ 15001 -  20000     7.4             3.5           1.5                    6.0                     
  $ 20001 -  25000     7.3             4.5           2.2                    6.8                     
  $ 25001 -  30000     6.9             5.2           3.5                    6.4                     
  $ 30001 -  35000     6.7             5.9           2.8                    8.2                     
  $ 35001 -  40000     6.8             6.9           4.0                    8.3                     
  $ 40001 -  45000     6.5             7.5           4.7                    8.1                     
  $ 45001 -  50000     6.7             8.6           7.0                    8.4                     
  $ 50001 -  75000    20.5            33.9          31.3                   28.4                     
  $ 75001 - 100000     4.9            11.5          18.5                    6.6                     
  OVER $100,000        2.0             8.7          23.5                    2.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-64,554            $0                   1.82                     
  $     1  -  5000                  $2,619            $6                   0.52                     
  $  5001 -  10000                  $7,428           $89                   1.19                     
  $ 10001 -  15000                 $12,334          $205                   1.99                     
  $ 15001 -  20000                 $17,455          $430                   2.40                     
  $ 20001 -  25000                 $22,494          $639                   2.77                     
  $ 25001 -  30000                 $27,539        $1,086                   2.76                     
  $ 30001 -  35000                 $32,382          $901                   3.65                     
  $ 35001 -  40000                 $37,354        $1,275                   3.62                     
  $ 40001 -  45000                 $42,457        $1,531                   3.71                     
  $ 45001 -  50000                 $47,535        $2,254                   3.72                     
  $ 50001 -  75000                 $60,521        $3,258                   4.09                     
  $ 75001 - 100000                 $85,354        $8,001                   3.95                     
  OVER $100,000                   $162,523       $25,482                   4.28                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $36,651        $2,138                   2.96                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                  
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   SARATOGA SPRINGS                                                 
                        _________________________________________________                           
  UNDER $ 5,000          79      $-491,105          $486     -0.10          60                      
  $  5001 -  10000       40       $295,512        $3,297      1.12          67                      
  $ 10001 -  15000       43       $528,748       $13,241      2.50          70                      
  $ 15001 -  20000       57       $968,457       $24,479      2.53         114                      
  $ 20001 -  25000       43       $965,696       $30,034      3.11         107                      
  $ 25001 -  30000       63     $1,738,278       $36,029      2.07         194                      
  $ 30001 -  35000       79     $2,594,204       $91,632      3.53         237                      
  $ 35001 -  40000       86     $3,239,813       $92,412      2.85         282                      
  $ 40001 -  45000      110     $4,691,934      $140,739      3.00         381                      
  $ 45001 -  50000       84     $4,017,403      $176,624      4.40         263                      
  $ 50001 -  75000      289    $17,666,644    $1,065,169      6.03         981                      
  $ 75001 - 100000      104     $8,923,551      $799,803      8.96         353                      
  OVER $100,000          83    $11,716,844    $1,732,139     14.78         292                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,160     $56,855,979    $4,206,084      7.40        3,401                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000        6.8            -0.9           0.0                    1.8                     
  $  5001 -  10000     3.4             0.5           0.1                    2.0                     
  $ 10001 -  15000     3.7             0.9           0.3                    2.1                     
  $ 15001 -  20000     4.9             1.7           0.6                    3.4                     
  $ 20001 -  25000     3.7             1.7           0.7                    3.1                     
  $ 25001 -  30000     5.4             3.1           0.9                    5.7                     
  $ 30001 -  35000     6.8             4.6           2.2                    7.0                     
  $ 35001 -  40000     7.4             5.7           2.2                    8.3                     
  $ 40001 -  45000     9.5             8.3           3.3                   11.2                     
  $ 45001 -  50000     7.2             7.1           4.2                    7.7                     
  $ 50001 -  75000    24.9            31.1          25.3                   28.8                     
  $ 75001 - 100000     9.0            15.7          19.0                   10.4                     
  OVER $100,000        7.2            20.6          41.2                    8.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                    $-6,217            $6                   0.76                     
  $  5001 -  10000                  $7,388           $82                   1.67                     
  $ 10001 -  15000                 $12,296          $308                   1.63                     
  $ 15001 -  20000                 $16,990          $429                   2.00                     
  $ 20001 -  25000                 $22,458          $698                   2.49                     
  $ 25001 -  30000                 $27,592          $572                   3.08                     
  $ 30001 -  35000                 $32,838        $1,160                   3.00                     
  $ 35001 -  40000                 $37,672        $1,075                   3.28                     
  $ 40001 -  45000                 $42,654        $1,279                   3.46                     
  $ 45001 -  50000                 $47,826        $2,103                   3.13                     
  $ 50001 -  75000                 $61,130        $3,686                   3.39                     
  $ 75001 - 100000                 $85,803        $7,690                   3.39                     
  OVER $100,000                   $141,167       $20,869                   3.52                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $49,014        $3,626                   2.93                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   SMITHFIELD UT                                                    
                        _________________________________________________                           
  UNDER $1               30      $-962,359       $16,037     -1.67          72                      
  $     1  -  5000      367       $978,147        $1,281      0.13         143                      
  $  5001 -  10000      317     $2,369,361       $41,779      1.76         266                      
  $ 10001 -  15000      246     $3,045,335       $76,959      2.53         332                      
  $ 15001 -  20000      243     $4,228,314      $123,133      2.91         468                      
  $ 20001 -  25000      194     $4,339,614      $158,829      3.66         422                      
  $ 25001 -  30000      178     $4,897,906      $174,052      3.55         480                      
  $ 30001 -  35000      184     $6,006,996      $257,815      4.29         507                      
  $ 35001 -  40000      184     $6,910,162      $285,502      4.13         596                      
  $ 40001 -  45000      148     $6,274,795      $306,722      4.89         465                      
  $ 45001 -  50000      185     $8,801,119      $429,267      4.88         655                      
  $ 50001 -  75000      592    $36,053,271    $2,357,571      6.54       2,153                      
  $ 75001 - 100000      203    $17,301,446    $1,523,441      8.81         807                      
  $100001 - 250000      131    $16,944,493    $2,370,544     13.99         493                      
  OVER $250,000          17     $6,813,626    $1,526,468     22.40          58                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,219    $124,002,226    $9,649,400      7.78        7,917                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.9            -0.8           0.2                    0.9                     
  $     1  -  5000    11.4             0.8           0.0                    1.8                     
  $  5001 -  10000     9.8             1.9           0.4                    3.4                     
  $ 10001 -  15000     7.6             2.5           0.8                    4.2                     
  $ 15001 -  20000     7.5             3.4           1.3                    5.9                     
  $ 20001 -  25000     6.0             3.5           1.6                    5.3                     
  $ 25001 -  30000     5.5             3.9           1.8                    6.1                     
  $ 30001 -  35000     5.7             4.8           2.7                    6.4                     
  $ 35001 -  40000     5.7             5.6           3.0                    7.5                     
  $ 40001 -  45000     4.6             5.1           3.2                    5.9                     
  $ 45001 -  50000     5.7             7.1           4.4                    8.3                     
  $ 50001 -  75000    18.4            29.1          24.4                   27.2                     
  $ 75001 - 100000     6.3            14.0          15.8                   10.2                     
  $100001 - 250000     4.1            13.7          24.6                    6.2                     
  OVER $250,000        0.5             5.5          15.8                    0.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-32,079          $535                   2.40                     
  $     1  -  5000                  $2,665            $3                   0.39                     
  $  5001 -  10000                  $7,474          $132                   0.84                     
  $ 10001 -  15000                 $12,379          $313                   1.35                     
  $ 15001 -  20000                 $17,400          $507                   1.93                     
  $ 20001 -  25000                 $22,369          $819                   2.18                     
  $ 25001 -  30000                 $27,516          $978                   2.70                     
  $ 30001 -  35000                 $32,647        $1,401                   2.76                     
  $ 35001 -  40000                 $37,555        $1,552                   3.24                     
  $ 40001 -  45000                 $42,397        $2,072                   3.14                     
  $ 45001 -  50000                 $47,574        $2,320                   3.54                     
  $ 50001 -  75000                 $60,901        $3,982                   3.64                     
  $ 75001 - 100000                 $85,229        $7,505                   3.98                     
  $100001 - 250000                $129,347       $18,096                   3.76                     
  OVER $250,000                   $400,802       $89,792                   3.41                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $38,522        $2,998                   2.46                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                      
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   SOUTH JORDAN UT                                                  
                        _________________________________________________                           
  UNDER $1              121    $-5,891,275       $22,490     -0.38         263                      
  $     1  -  5000    1,667     $4,302,043       $17,410      0.40         463                      
  $  5001 -  10000    1,164     $8,476,943      $182,615      2.15         713                      
  $ 10001 -  15000      870    $10,846,123      $394,844      3.64         951                      
  $ 15001 -  20000      764    $13,356,702      $602,687      4.51       1,096                      
  $ 20001 -  25000      627    $14,051,388      $705,429      5.02       1,108                      
  $ 25001 -  30000      524    $14,388,522      $785,374      5.46       1,035                      
  $ 30001 -  35000      416    $13,512,587      $752,306      5.57         906                      
  $ 35001 -  40000      404    $15,074,867      $859,969      5.70       1,013                      
  $ 40001 -  45000      414    $17,601,030      $882,859      5.02       1,220                      
  $ 45001 -  50000      436    $20,780,687    $1,088,692      5.24       1,398                      
  $ 50001 -  75000    2,103   $131,473,452    $7,969,044      6.06       7,602                      
  $ 75001 - 100000    1,667   $144,140,509   $12,138,034      8.42       6,416                      
  $100001 - 250000    1,477   $196,624,824   $26,691,760     13.57       5,901                      
  OVER $250,000          97    $57,270,840   $15,597,331     27.23         365                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             12,751    $656,009,242   $68,690,844     10.47       30,450                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.9            -0.9           0.0                    0.9                     
  $     1  -  5000    13.1             0.7           0.0                    1.5                     
  $  5001 -  10000     9.1             1.3           0.3                    2.3                     
  $ 10001 -  15000     6.8             1.7           0.6                    3.1                     
  $ 15001 -  20000     6.0             2.0           0.9                    3.6                     
  $ 20001 -  25000     4.9             2.1           1.0                    3.6                     
  $ 25001 -  30000     4.1             2.2           1.1                    3.4                     
  $ 30001 -  35000     3.3             2.1           1.1                    3.0                     
  $ 35001 -  40000     3.2             2.3           1.3                    3.3                     
  $ 40001 -  45000     3.2             2.7           1.3                    4.0                     
  $ 45001 -  50000     3.4             3.2           1.6                    4.6                     
  $ 50001 -  75000    16.5            20.0          11.6                   25.0                     
  $ 75001 - 100000    13.1            22.0          17.7                   21.1                     
  $100001 - 250000    11.6            30.0          38.9                   19.4                     
  OVER $250,000        0.8             8.7          22.7                    1.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-48,688          $186                   2.17                     
  $     1  -  5000                  $2,581           $10                   0.28                     
  $  5001 -  10000                  $7,283          $157                   0.61                     
  $ 10001 -  15000                 $12,467          $454                   1.09                     
  $ 15001 -  20000                 $17,483          $789                   1.43                     
  $ 20001 -  25000                 $22,411        $1,125                   1.77                     
  $ 25001 -  30000                 $27,459        $1,499                   1.98                     
  $ 30001 -  35000                 $32,482        $1,808                   2.18                     
  $ 35001 -  40000                 $37,314        $2,129                   2.51                     
  $ 40001 -  45000                 $42,515        $2,133                   2.95                     
  $ 45001 -  50000                 $47,662        $2,497                   3.21                     
  $ 50001 -  75000                 $62,517        $3,789                   3.61                     
  $ 75001 - 100000                 $86,467        $7,281                   3.85                     
  $100001 - 250000                $133,124       $18,072                   4.00                     
  OVER $250,000                   $590,421      $160,797                   3.76                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $51,448        $5,387                   2.39                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   SOUTH OGDEN UT                                                   
                        _________________________________________________                           
  UNDER $ 5,000         106       $141,293          $851      0.60          65                      
  $  5001 -  10000       88       $626,120        $8,173      1.31         102                      
  $ 10001 -  15000       58       $738,865       $17,255      2.34          85                      
  $ 15001 -  20000       83     $1,445,093       $53,357      3.69         138                      
  $ 20001 -  25000       76     $1,708,364       $67,789      3.97         150                      
  $ 25001 -  30000       69     $1,887,527       $79,479      4.21         145                      
  $ 30001 -  35000       62     $2,018,339      $103,628      5.13         137                      
  $ 35001 -  40000       60     $2,235,705      $134,110      6.00         144                      
  $ 40001 -  45000       40     $1,706,521      $101,321      5.94         119                      
  $ 45001 -  50000       30     $1,424,631      $101,075      7.09          78                      
  $ 50001 -  75000      121     $7,348,105      $516,568      7.03         388                      
  $ 75001 - 100000       77     $6,707,109      $739,599     11.03         228                      
  OVER $100,000          72    $11,427,558    $2,018,629     17.66         230                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                942     $39,415,230    $3,941,834     10.00        2,009                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       11.3             0.4           0.0                    3.2                     
  $  5001 -  10000     9.3             1.6           0.2                    5.1                     
  $ 10001 -  15000     6.2             1.9           0.4                    4.2                     
  $ 15001 -  20000     8.8             3.7           1.4                    6.9                     
  $ 20001 -  25000     8.1             4.3           1.7                    7.5                     
  $ 25001 -  30000     7.3             4.8           2.0                    7.2                     
  $ 30001 -  35000     6.6             5.1           2.6                    6.8                     
  $ 35001 -  40000     6.4             5.7           3.4                    7.2                     
  $ 40001 -  45000     4.2             4.3           2.6                    5.9                     
  $ 45001 -  50000     3.2             3.6           2.6                    3.9                     
  $ 50001 -  75000    12.8            18.6          13.1                   19.3                     
  $ 75001 - 100000     8.2            17.0          18.8                   11.3                     
  OVER $100,000        7.6            29.0          51.2                   11.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $1,333            $8                   0.61                     
  $  5001 -  10000                  $7,115           $93                   1.16                     
  $ 10001 -  15000                 $12,739          $298                   1.47                     
  $ 15001 -  20000                 $17,411          $643                   1.66                     
  $ 20001 -  25000                 $22,478          $892                   1.97                     
  $ 25001 -  30000                 $27,355        $1,152                   2.10                     
  $ 30001 -  35000                 $32,554        $1,671                   2.21                     
  $ 35001 -  40000                 $37,262        $2,235                   2.40                     
  $ 40001 -  45000                 $42,663        $2,533                   2.98                     
  $ 45001 -  50000                 $47,488        $3,369                   2.60                     
  $ 50001 -  75000                 $60,728        $4,269                   3.21                     
  $ 75001 - 100000                 $87,105        $9,605                   2.96                     
  OVER $100,000                   $158,716       $28,037                   3.19                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $41,842        $4,185                   2.13                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                   
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   SOUTH SALT LAKE U                                                
                        _________________________________________________                           
  UNDER $ 5,000          97       $263,100          $220      0.08         146                      
  $  5001 -  10000      136     $1,046,000        $6,632      0.63         212                      
  $ 10001 -  15000      156     $1,978,141       $39,319      1.99         296                      
  $ 15001 -  20000      192     $3,386,129       $99,624      2.94         422                      
  $ 20001 -  25000      194     $4,341,078      $175,957      4.05         414                      
  $ 25001 -  30000      122     $3,327,346      $160,514      4.82         281                      
  $ 30001 -  35000      108     $3,504,776      $237,258      6.77         210                      
  $ 35001 -  40000       65     $2,432,941      $175,256      7.20         137                      
  $ 40001 -  45000       51     $2,148,528      $163,833      7.63         115                      
  $ 45001 -  50000       50     $2,377,846      $198,562      8.35         109                      
  $ 50001 -  75000       84     $5,084,854      $483,399      9.51         220                      
  $ 75001 - 250000       19     $1,677,801      $223,003     13.29          46                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,274     $31,568,540    $1,963,577      6.22        2,608                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000        7.6             0.8           0.0                    5.6                     
  $  5001 -  10000    10.7             3.3           0.3                    8.1                     
  $ 10001 -  15000    12.2             6.3           2.0                   11.3                     
  $ 15001 -  20000    15.1            10.7           5.1                   16.2                     
  $ 20001 -  25000    15.2            13.8           9.0                   15.9                     
  $ 25001 -  30000     9.6            10.5           8.2                   10.8                     
  $ 30001 -  35000     8.5            11.1          12.1                    8.1                     
  $ 35001 -  40000     5.1             7.7           8.9                    5.3                     
  $ 40001 -  45000     4.0             6.8           8.3                    4.4                     
  $ 45001 -  50000     3.9             7.5          10.1                    4.2                     
  $ 50001 -  75000     6.6            16.1          24.6                    8.4                     
  $ 75001 - 250000     1.5             5.3          11.4                    1.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,712            $2                   1.51                     
  $  5001 -  10000                  $7,691           $49                   1.56                     
  $ 10001 -  15000                 $12,680          $252                   1.90                     
  $ 15001 -  20000                 $17,636          $519                   2.20                     
  $ 20001 -  25000                 $22,377          $907                   2.13                     
  $ 25001 -  30000                 $27,273        $1,316                   2.30                     
  $ 30001 -  35000                 $32,452        $2,197                   1.94                     
  $ 35001 -  40000                 $37,430        $2,696                   2.11                     
  $ 40001 -  45000                 $42,128        $3,212                   2.25                     
  $ 45001 -  50000                 $47,557        $3,971                   2.18                     
  $ 50001 -  75000                 $60,534        $5,755                   2.62                     
  $ 75001 - 250000                 $88,305       $11,737                   2.42                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $24,779        $1,541                   2.05                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   SOUTH WEBER UT                                                   
                        _________________________________________________                           
  UNDER $ 5,000         109       $176,657        $1,714      0.97          53                      
  $  5001 -  10000       95       $683,418       $16,824      2.46          52                      
  $ 10001 -  15000       84     $1,033,014       $30,305      2.93         106                      
  $ 15001 -  20000       66     $1,159,258       $48,930      4.22         106                      
  $ 20001 -  25000       42       $937,883       $37,108      3.96          85                      
  $ 25001 -  30000       55     $1,503,274       $61,393      4.08         140                      
  $ 30001 -  35000       46     $1,504,592       $69,773      4.64         106                      
  $ 35001 -  40000       55     $2,071,655       $94,153      4.54         162                      
  $ 40001 -  45000       58     $2,474,000      $123,950      5.01         167                      
  $ 45001 -  50000       41     $1,944,852      $107,349      5.52         131                      
  $ 50001 -  75000      281    $17,612,239    $1,145,141      6.50         989                      
  $ 75001 - 100000      228    $19,505,176    $1,737,345      8.91         863                      
  OVER $100,000         127    $16,590,845    $2,412,109     14.54         478                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,287     $67,196,863    $5,886,094      8.76        3,438                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000        8.5             0.3           0.0                    1.5                     
  $  5001 -  10000     7.4             1.0           0.3                    1.5                     
  $ 10001 -  15000     6.5             1.5           0.5                    3.1                     
  $ 15001 -  20000     5.1             1.7           0.8                    3.1                     
  $ 20001 -  25000     3.3             1.4           0.6                    2.5                     
  $ 25001 -  30000     4.3             2.2           1.0                    4.1                     
  $ 30001 -  35000     3.6             2.2           1.2                    3.1                     
  $ 35001 -  40000     4.3             3.1           1.6                    4.7                     
  $ 40001 -  45000     4.5             3.7           2.1                    4.9                     
  $ 45001 -  50000     3.2             2.9           1.8                    3.8                     
  $ 50001 -  75000    21.8            26.2          19.5                   28.8                     
  $ 75001 - 100000    17.7            29.0          29.5                   25.1                     
  OVER $100,000        9.9            24.7          41.0                   13.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $1,621           $16                   0.49                     
  $  5001 -  10000                  $7,194          $177                   0.55                     
  $ 10001 -  15000                 $12,298          $361                   1.26                     
  $ 15001 -  20000                 $17,565          $741                   1.61                     
  $ 20001 -  25000                 $22,331          $884                   2.02                     
  $ 25001 -  30000                 $27,332        $1,116                   2.55                     
  $ 30001 -  35000                 $32,709        $1,517                   2.30                     
  $ 35001 -  40000                 $37,666        $1,712                   2.95                     
  $ 40001 -  45000                 $42,655        $2,137                   2.88                     
  $ 45001 -  50000                 $47,435        $2,618                   3.20                     
  $ 50001 -  75000                 $62,677        $4,075                   3.52                     
  $ 75001 - 100000                 $85,549        $7,620                   3.79                     
  OVER $100,000                   $130,637       $18,993                   3.76                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $52,212        $4,573                   2.67                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                      
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   SPANISH FORK UT                                                  
                        _________________________________________________                           
  UNDER $1               89    $-7,091,299          $339     -0.00         183                      
  $     1  -  5000      834     $2,328,222       $14,766      0.63         403                      
  $  5001 -  10000      811     $5,989,067       $81,355      1.36         812                      
  $ 10001 -  15000      724     $8,951,507      $229,298      2.56       1,113                      
  $ 15001 -  20000      634    $11,078,699      $326,158      2.94       1,263                      
  $ 20001 -  25000      595    $13,293,896      $509,019      3.83       1,370                      
  $ 25001 -  30000      559    $15,326,771      $580,093      3.78       1,444                      
  $ 30001 -  35000      522    $16,899,691      $657,431      3.89       1,510                      
  $ 35001 -  40000      534    $20,053,371      $784,865      3.91       1,743                      
  $ 40001 -  45000      488    $20,724,290      $877,416      4.23       1,679                      
  $ 45001 -  50000      517    $24,524,372    $1,073,829      4.38       1,899                      
  $ 50001 -  75000    1,718   $104,818,800    $6,138,986      5.86       6,647                      
  $ 75001 - 100000      642    $54,932,794    $4,680,117      8.52       2,561                      
  $100001 - 250000      316    $41,824,532    $5,843,465     13.97       1,238                      
  OVER $250,000          22    $18,783,943    $5,863,525     31.22          72                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              9,005    $352,438,656   $27,660,662      7.85       23,937                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.0            -2.0           0.0                    0.8                     
  $     1  -  5000     9.3             0.7           0.1                    1.7                     
  $  5001 -  10000     9.0             1.7           0.3                    3.4                     
  $ 10001 -  15000     8.0             2.5           0.8                    4.6                     
  $ 15001 -  20000     7.0             3.1           1.2                    5.3                     
  $ 20001 -  25000     6.6             3.8           1.8                    5.7                     
  $ 25001 -  30000     6.2             4.3           2.1                    6.0                     
  $ 30001 -  35000     5.8             4.8           2.4                    6.3                     
  $ 35001 -  40000     5.9             5.7           2.8                    7.3                     
  $ 40001 -  45000     5.4             5.9           3.2                    7.0                     
  $ 45001 -  50000     5.7             7.0           3.9                    7.9                     
  $ 50001 -  75000    19.1            29.7          22.2                   27.8                     
  $ 75001 - 100000     7.1            15.6          16.9                   10.7                     
  $100001 - 250000     3.5            11.9          21.1                    5.2                     
  OVER $250,000        0.2             5.3          21.2                    0.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-79,678            $4                   2.06                     
  $     1  -  5000                  $2,792           $18                   0.48                     
  $  5001 -  10000                  $7,385          $100                   1.00                     
  $ 10001 -  15000                 $12,364          $317                   1.54                     
  $ 15001 -  20000                 $17,474          $514                   1.99                     
  $ 20001 -  25000                 $22,343          $855                   2.30                     
  $ 25001 -  30000                 $27,418        $1,038                   2.58                     
  $ 30001 -  35000                 $32,375        $1,259                   2.89                     
  $ 35001 -  40000                 $37,553        $1,470                   3.26                     
  $ 40001 -  45000                 $42,468        $1,798                   3.44                     
  $ 45001 -  50000                 $47,436        $2,077                   3.67                     
  $ 50001 -  75000                 $61,012        $3,573                   3.87                     
  $ 75001 - 100000                 $85,565        $7,290                   3.99                     
  $100001 - 250000                $132,356       $18,492                   3.92                     
  OVER $250,000                   $853,816      $266,524                   3.27                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,138        $3,072                   2.66                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   SPRINGVILLE UT                                                   
                        _________________________________________________                           
  UNDER $1               74    $-1,962,063        $4,705     -0.24         161                      
  $     1  -  5000      757     $2,047,878        $5,411      0.26         473                      
  $  5001 -  10000      744     $5,524,467       $73,977      1.34         857                      
  $ 10001 -  15000      688     $8,670,008      $205,327      2.37       1,176                      
  $ 15001 -  20000      635    $11,115,089      $327,158      2.94       1,321                      
  $ 20001 -  25000      557    $12,469,036      $433,718      3.48       1,277                      
  $ 25001 -  30000      552    $15,168,528      $614,774      4.05       1,404                      
  $ 30001 -  35000      513    $16,652,480      $738,107      4.43       1,445                      
  $ 35001 -  40000      489    $18,360,031      $815,955      4.44       1,471                      
  $ 40001 -  45000      413    $17,537,694      $808,992      4.61       1,337                      
  $ 45001 -  50000      374    $17,764,619      $883,028      4.97       1,294                      
  $ 50001 -  75000    1,277    $77,893,024    $4,653,139      5.97       4,792                      
  $ 75001 - 100000      555    $47,567,094    $4,094,251      8.61       2,129                      
  $100001 - 250000      364    $48,572,480    $6,546,950     13.48       1,458                      
  OVER $250,000          37    $19,138,245    $4,779,585     24.97         146                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,029    $316,518,610   $24,985,077      7.89       20,741                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.9            -0.6           0.0                    0.8                     
  $     1  -  5000     9.4             0.6           0.0                    2.3                     
  $  5001 -  10000     9.3             1.7           0.3                    4.1                     
  $ 10001 -  15000     8.6             2.7           0.8                    5.7                     
  $ 15001 -  20000     7.9             3.5           1.3                    6.4                     
  $ 20001 -  25000     6.9             3.9           1.7                    6.2                     
  $ 25001 -  30000     6.9             4.8           2.5                    6.8                     
  $ 30001 -  35000     6.4             5.3           3.0                    7.0                     
  $ 35001 -  40000     6.1             5.8           3.3                    7.1                     
  $ 40001 -  45000     5.1             5.5           3.2                    6.4                     
  $ 45001 -  50000     4.7             5.6           3.5                    6.2                     
  $ 50001 -  75000    15.9            24.6          18.6                   23.1                     
  $ 75001 - 100000     6.9            15.0          16.4                   10.3                     
  $100001 - 250000     4.5            15.3          26.2                    7.0                     
  OVER $250,000        0.5             6.0          19.1                    0.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-26,514           $64                   2.18                     
  $     1  -  5000                  $2,705            $7                   0.62                     
  $  5001 -  10000                  $7,425           $99                   1.15                     
  $ 10001 -  15000                 $12,602          $298                   1.71                     
  $ 15001 -  20000                 $17,504          $515                   2.08                     
  $ 20001 -  25000                 $22,386          $779                   2.29                     
  $ 25001 -  30000                 $27,479        $1,114                   2.54                     
  $ 30001 -  35000                 $32,461        $1,439                   2.82                     
  $ 35001 -  40000                 $37,546        $1,669                   3.01                     
  $ 40001 -  45000                 $42,464        $1,959                   3.24                     
  $ 45001 -  50000                 $47,499        $2,361                   3.46                     
  $ 50001 -  75000                 $60,997        $3,644                   3.75                     
  $ 75001 - 100000                 $85,706        $7,377                   3.84                     
  $100001 - 250000                $133,441       $17,986                   4.01                     
  OVER $250,000                   $517,250      $129,178                   3.95                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,422        $3,112                   2.58                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   ST GEORGE UT                                                     
                        _________________________________________________                           
  UNDER $1              259    $-9,836,157       $16,396     -0.17         515                      
  $     1  -  5000    2,015     $5,646,359       $21,136      0.37       1,316                      
  $  5001 -  10000    2,238    $16,687,814      $201,672      1.21       2,674                      
  $ 10001 -  15000    2,260    $28,181,615      $562,034      1.99       3,914                      
  $ 15001 -  20000    2,079    $36,295,990    $1,047,710      2.89       4,010                      
  $ 20001 -  25000    1,678    $37,731,378    $1,399,056      3.71       3,622                      
  $ 25001 -  30000    1,404    $38,550,846    $1,610,007      4.18       3,338                      
  $ 30001 -  35000    1,241    $40,247,514    $1,826,530      4.54       3,201                      
  $ 35001 -  40000    1,001    $37,485,837    $1,832,350      4.89       2,750                      
  $ 40001 -  45000      941    $39,882,988    $2,182,257      5.47       2,685                      
  $ 45001 -  50000      773    $36,656,264    $2,222,247      6.06       2,309                      
  $ 50001 -  75000    2,677   $163,275,843   $11,895,722      7.29       8,270                      
  $ 75001 - 100000    1,168    $99,553,369    $9,662,030      9.71       3,698                      
  $100001 - 250000      836   $115,980,330   $17,151,444     14.79       2,685                      
  OVER $250,000         146    $70,141,703   $16,020,516     22.84         554                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             20,716    $756,481,693   $67,651,107      8.94       45,541                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.3            -1.3           0.0                    1.1                     
  $     1  -  5000     9.7             0.7           0.0                    2.9                     
  $  5001 -  10000    10.8             2.2           0.3                    5.9                     
  $ 10001 -  15000    10.9             3.7           0.8                    8.6                     
  $ 15001 -  20000    10.0             4.8           1.5                    8.8                     
  $ 20001 -  25000     8.1             5.0           2.1                    8.0                     
  $ 25001 -  30000     6.8             5.1           2.4                    7.3                     
  $ 30001 -  35000     6.0             5.3           2.7                    7.0                     
  $ 35001 -  40000     4.8             5.0           2.7                    6.0                     
  $ 40001 -  45000     4.5             5.3           3.2                    5.9                     
  $ 45001 -  50000     3.7             4.8           3.3                    5.1                     
  $ 50001 -  75000    12.9            21.6          17.6                   18.2                     
  $ 75001 - 100000     5.6            13.2          14.3                    8.1                     
  $100001 - 250000     4.0            15.3          25.4                    5.9                     
  OVER $250,000        0.7             9.3          23.7                    1.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-37,977           $63                   1.99                     
  $     1  -  5000                  $2,802           $10                   0.65                     
  $  5001 -  10000                  $7,457           $90                   1.19                     
  $ 10001 -  15000                 $12,470          $249                   1.73                     
  $ 15001 -  20000                 $17,458          $504                   1.93                     
  $ 20001 -  25000                 $22,486          $834                   2.16                     
  $ 25001 -  30000                 $27,458        $1,147                   2.38                     
  $ 30001 -  35000                 $32,432        $1,472                   2.58                     
  $ 35001 -  40000                 $37,448        $1,831                   2.75                     
  $ 40001 -  45000                 $42,384        $2,319                   2.85                     
  $ 45001 -  50000                 $47,421        $2,875                   2.99                     
  $ 50001 -  75000                 $60,992        $4,444                   3.09                     
  $ 75001 - 100000                 $85,234        $8,272                   3.17                     
  $100001 - 250000                $138,732       $20,516                   3.21                     
  OVER $250,000                   $480,423      $109,730                   3.79                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $36,517        $3,266                   2.20                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                    
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   STANSBURY PARK UT                                                
                        _________________________________________________                           
  UNDER $1               16      $-255,380           $28     -0.01          27                      
  $     1  -  5000      113       $295,165          $939      0.32          31                      
  $  5001 -  10000       86       $629,734       $10,907      1.73          71                      
  $ 10001 -  15000       76       $953,804       $26,398      2.77         102                      
  $ 15001 -  20000       53       $928,167       $41,361      4.46          87                      
  $ 20001 -  25000       61     $1,361,706       $61,313      4.50         114                      
  $ 25001 -  30000       63     $1,716,048       $62,682      3.65         155                      
  $ 30001 -  35000       64     $2,097,720      $101,768      4.85         165                      
  $ 35001 -  40000       64     $2,418,308      $129,757      5.37         172                      
  $ 40001 -  45000       83     $3,520,601      $197,138      5.60         236                      
  $ 45001 -  50000       80     $3,788,531      $199,114      5.26         252                      
  $ 50001 -  75000      338    $21,037,446    $1,354,234      6.44       1,178                      
  $ 75001 - 100000      217    $18,672,211    $1,851,623      9.92         727                      
  OVER $100,000         132    $17,722,420    $2,709,005     15.29         429                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,446     $74,886,481    $6,746,267      9.01        3,746                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -0.3           0.0                    0.7                     
  $     1  -  5000     7.8             0.4           0.0                    0.8                     
  $  5001 -  10000     5.9             0.8           0.2                    1.9                     
  $ 10001 -  15000     5.3             1.3           0.4                    2.7                     
  $ 15001 -  20000     3.7             1.2           0.6                    2.3                     
  $ 20001 -  25000     4.2             1.8           0.9                    3.0                     
  $ 25001 -  30000     4.4             2.3           0.9                    4.1                     
  $ 30001 -  35000     4.4             2.8           1.5                    4.4                     
  $ 35001 -  40000     4.4             3.2           1.9                    4.6                     
  $ 40001 -  45000     5.7             4.7           2.9                    6.3                     
  $ 45001 -  50000     5.5             5.1           3.0                    6.7                     
  $ 50001 -  75000    23.4            28.1          20.1                   31.4                     
  $ 75001 - 100000    15.0            24.9          27.4                   19.4                     
  OVER $100,000        9.1            23.7          40.2                   11.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-15,961            $2                   1.69                     
  $     1  -  5000                  $2,612            $8                   0.27                     
  $  5001 -  10000                  $7,322          $127                   0.83                     
  $ 10001 -  15000                 $12,550          $347                   1.34                     
  $ 15001 -  20000                 $17,513          $780                   1.64                     
  $ 20001 -  25000                 $22,323        $1,005                   1.87                     
  $ 25001 -  30000                 $27,239          $995                   2.46                     
  $ 30001 -  35000                 $32,777        $1,590                   2.58                     
  $ 35001 -  40000                 $37,786        $2,027                   2.69                     
  $ 40001 -  45000                 $42,417        $2,375                   2.84                     
  $ 45001 -  50000                 $47,357        $2,489                   3.15                     
  $ 50001 -  75000                 $62,241        $4,007                   3.49                     
  $ 75001 - 100000                 $86,047        $8,533                   3.35                     
  OVER $100,000                   $134,261       $20,523                   3.25                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $51,789        $4,665                   2.59                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   SUNSET UT                                                        
                        _________________________________________________                           
  UNDER $ 5,000         152       $347,267           $52      0.01         105                      
  $  5001 -  10000      155     $1,188,428       $10,015      0.84         214                      
  $ 10001 -  15000      159     $2,003,843       $46,955      2.34         251                      
  $ 15001 -  20000      182     $3,142,653      $106,471      3.39         338                      
  $ 20001 -  25000      175     $3,944,821      $175,762      4.46         349                      
  $ 25001 -  30000      173     $4,753,959      $220,563      4.64         408                      
  $ 30001 -  35000      162     $5,226,947      $309,534      5.92         351                      
  $ 35001 -  40000      127     $4,746,730      $260,826      5.49         335                      
  $ 40001 -  45000      126     $5,348,139      $370,278      6.92         332                      
  $ 45001 -  50000       95     $4,520,872      $326,939      7.23         260                      
  $ 50001 -  75000      288    $17,475,371    $1,532,380      8.77         803                      
  $ 75001 - 100000       83     $7,005,506      $805,095     11.49         241                      
  $100001 - 250000       17     $2,198,692      $379,673     17.27          40                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,894     $61,903,228    $4,544,543      7.34        4,027                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000        8.0             0.6           0.0                    2.6                     
  $  5001 -  10000     8.2             1.9           0.2                    5.3                     
  $ 10001 -  15000     8.4             3.2           1.0                    6.2                     
  $ 15001 -  20000     9.6             5.1           2.3                    8.4                     
  $ 20001 -  25000     9.2             6.4           3.9                    8.7                     
  $ 25001 -  30000     9.1             7.7           4.9                   10.1                     
  $ 30001 -  35000     8.6             8.4           6.8                    8.7                     
  $ 35001 -  40000     6.7             7.7           5.7                    8.3                     
  $ 40001 -  45000     6.7             8.6           8.1                    8.2                     
  $ 45001 -  50000     5.0             7.3           7.2                    6.5                     
  $ 50001 -  75000    15.2            28.2          33.7                   19.9                     
  $ 75001 - 100000     4.4            11.3          17.7                    6.0                     
  $100001 - 250000     0.9             3.6           8.4                    1.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,285            $0                   0.69                     
  $  5001 -  10000                  $7,667           $65                   1.38                     
  $ 10001 -  15000                 $12,603          $295                   1.58                     
  $ 15001 -  20000                 $17,267          $585                   1.86                     
  $ 20001 -  25000                 $22,542        $1,004                   1.99                     
  $ 25001 -  30000                 $27,480        $1,275                   2.36                     
  $ 30001 -  35000                 $32,265        $1,911                   2.17                     
  $ 35001 -  40000                 $37,376        $2,054                   2.64                     
  $ 40001 -  45000                 $42,446        $2,939                   2.63                     
  $ 45001 -  50000                 $47,588        $3,441                   2.74                     
  $ 50001 -  75000                 $60,678        $5,321                   2.79                     
  $ 75001 - 100000                 $84,404        $9,700                   2.90                     
  $100001 - 250000                $129,335       $22,334                   2.35                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $32,684        $2,399                   2.13                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   SYRACUSE UT                                                      
                        _________________________________________________                           
  UNDER $1               27    $-1,192,864        $1,873     -0.16          60                      
  $     1  -  5000      430     $1,069,640        $2,621      0.25         140                      
  $  5001 -  10000      359     $2,592,069       $50,366      1.94         244                      
  $ 10001 -  15000      309     $3,841,851      $112,129      2.92         423                      
  $ 15001 -  20000      252     $4,430,896      $170,906      3.86         432                      
  $ 20001 -  25000      251     $5,650,529      $257,661      4.56         488                      
  $ 25001 -  30000      237     $6,516,687      $274,988      4.22         549                      
  $ 30001 -  35000      256     $8,328,184      $313,325      3.76         713                      
  $ 35001 -  40000      248     $9,292,659      $355,714      3.83         762                      
  $ 40001 -  45000      283    $12,042,142      $525,811      4.37         922                      
  $ 45001 -  50000      295    $14,019,403      $647,366      4.62       1,003                      
  $ 50001 -  75000    1,195    $73,454,705    $4,454,882      6.06       4,329                      
  $ 75001 - 100000      603    $51,243,009    $4,497,704      8.78       2,222                      
  $100001 - 250000      322    $41,744,994    $5,708,468     13.67       1,178                      
  OVER $250,000          16     $6,209,252    $1,410,289     22.71          52                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              5,083    $239,243,156   $18,784,103      7.85       13,517                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.5            -0.5           0.0                    0.4                     
  $     1  -  5000     8.5             0.4           0.0                    1.0                     
  $  5001 -  10000     7.1             1.1           0.3                    1.8                     
  $ 10001 -  15000     6.1             1.6           0.6                    3.1                     
  $ 15001 -  20000     5.0             1.9           0.9                    3.2                     
  $ 20001 -  25000     4.9             2.4           1.4                    3.6                     
  $ 25001 -  30000     4.7             2.7           1.5                    4.1                     
  $ 30001 -  35000     5.0             3.5           1.7                    5.3                     
  $ 35001 -  40000     4.9             3.9           1.9                    5.6                     
  $ 40001 -  45000     5.6             5.0           2.8                    6.8                     
  $ 45001 -  50000     5.8             5.9           3.4                    7.4                     
  $ 50001 -  75000    23.5            30.7          23.7                   32.0                     
  $ 75001 - 100000    11.9            21.4          23.9                   16.4                     
  $100001 - 250000     6.3            17.4          30.4                    8.7                     
  OVER $250,000        0.3             2.6           7.5                    0.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-44,180           $69                   2.22                     
  $     1  -  5000                  $2,488            $6                   0.33                     
  $  5001 -  10000                  $7,220          $140                   0.68                     
  $ 10001 -  15000                 $12,433          $363                   1.37                     
  $ 15001 -  20000                 $17,583          $678                   1.71                     
  $ 20001 -  25000                 $22,512        $1,027                   1.94                     
  $ 25001 -  30000                 $27,497        $1,160                   2.32                     
  $ 30001 -  35000                 $32,532        $1,224                   2.79                     
  $ 35001 -  40000                 $37,470        $1,434                   3.07                     
  $ 40001 -  45000                 $42,552        $1,858                   3.26                     
  $ 45001 -  50000                 $47,523        $2,194                   3.40                     
  $ 50001 -  75000                 $61,468        $3,728                   3.62                     
  $ 75001 - 100000                 $84,980        $7,459                   3.68                     
  $100001 - 250000                $129,643       $17,728                   3.66                     
  OVER $250,000                   $388,078       $88,143                   3.25                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $47,067        $3,695                   2.66                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                      
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   TAYLORSVILLE UT                                                  
                        _________________________________________________                           
  UNDER $1               35      $-382,301        $1,467     -0.38          62                      
  $     1  -  5000    1,261     $3,367,048       $17,977      0.53         605                      
  $  5001 -  10000    1,208     $8,921,794      $148,389      1.66       1,197                      
  $ 10001 -  15000    1,073    $13,447,815      $363,451      2.70       1,619                      
  $ 15001 -  20000    1,252    $21,962,953      $780,881      3.56       2,294                      
  $ 20001 -  25000    1,081    $24,163,738    $1,037,162      4.29       2,225                      
  $ 25001 -  30000      921    $25,308,475    $1,237,231      4.89       2,042                      
  $ 30001 -  35000      812    $26,355,196    $1,393,696      5.29       1,960                      
  $ 35001 -  40000      683    $25,678,337    $1,428,900      5.56       1,825                      
  $ 40001 -  45000      636    $27,010,286    $1,700,889      6.30       1,700                      
  $ 45001 -  50000      513    $24,312,766    $1,590,313      6.54       1,454                      
  $ 50001 -  75000    1,704   $103,617,157    $7,672,695      7.40       5,410                      
  $ 75001 - 100000      639    $54,416,865    $5,524,186     10.15       2,110                      
  $100001 - 250000      314    $39,973,990    $6,005,035     15.02       1,070                      
  OVER $250,000          12     $4,854,508    $1,238,064     25.50          46                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             12,144    $403,008,627   $30,140,336      7.48       25,619                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.3            -0.1           0.0                    0.2                     
  $     1  -  5000    10.4             0.8           0.1                    2.4                     
  $  5001 -  10000     9.9             2.2           0.5                    4.7                     
  $ 10001 -  15000     8.8             3.3           1.2                    6.3                     
  $ 15001 -  20000    10.3             5.4           2.6                    9.0                     
  $ 20001 -  25000     8.9             6.0           3.4                    8.7                     
  $ 25001 -  30000     7.6             6.3           4.1                    8.0                     
  $ 30001 -  35000     6.7             6.5           4.6                    7.7                     
  $ 35001 -  40000     5.6             6.4           4.7                    7.1                     
  $ 40001 -  45000     5.2             6.7           5.6                    6.6                     
  $ 45001 -  50000     4.2             6.0           5.3                    5.7                     
  $ 50001 -  75000    14.0            25.7          25.5                   21.1                     
  $ 75001 - 100000     5.3            13.5          18.3                    8.2                     
  $100001 - 250000     2.6             9.9          19.9                    4.2                     
  OVER $250,000        0.1             1.2           4.1                    0.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-10,923           $42                   1.77                     
  $     1  -  5000                  $2,670           $14                   0.48                     
  $  5001 -  10000                  $7,386          $123                   0.99                     
  $ 10001 -  15000                 $12,533          $339                   1.51                     
  $ 15001 -  20000                 $17,542          $624                   1.83                     
  $ 20001 -  25000                 $22,353          $959                   2.06                     
  $ 25001 -  30000                 $27,479        $1,343                   2.22                     
  $ 30001 -  35000                 $32,457        $1,716                   2.41                     
  $ 35001 -  40000                 $37,596        $2,092                   2.67                     
  $ 40001 -  45000                 $42,469        $2,674                   2.67                     
  $ 45001 -  50000                 $47,393        $3,100                   2.83                     
  $ 50001 -  75000                 $60,808        $4,503                   3.17                     
  $ 75001 - 100000                 $85,159        $8,645                   3.30                     
  $100001 - 250000                $127,306       $19,124                   3.41                     
  OVER $250,000                   $404,542      $103,172                   3.83                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $33,186        $2,482                   2.11                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   TOOELE UT                                                        
                        _________________________________________________                           
  UNDER $1               40      $-526,515       $11,414     -2.17          68                      
  $     1  -  5000      754     $2,027,219        $3,270      0.16         534                      
  $  5001 -  10000      741     $5,592,138       $56,603      1.01         931                      
  $ 10001 -  15000      813    $10,232,458      $236,827      2.31       1,293                      
  $ 15001 -  20000      766    $13,409,717      $471,187      3.51       1,337                      
  $ 20001 -  25000      804    $18,076,677      $722,791      4.00       1,657                      
  $ 25001 -  30000      738    $20,252,814      $880,319      4.35       1,750                      
  $ 30001 -  35000      752    $24,429,385    $1,169,262      4.79       1,948                      
  $ 35001 -  40000      711    $26,612,113    $1,354,670      5.09       1,984                      
  $ 40001 -  45000      709    $30,091,103    $1,726,398      5.74       2,058                      
  $ 45001 -  50000      621    $29,509,872    $1,676,177      5.68       2,016                      
  $ 50001 -  75000    2,081   $126,370,407    $9,137,833      7.23       6,885                      
  $ 75001 - 100000      756    $64,429,560    $6,778,265     10.52       2,457                      
  $100001 - 250000      309    $38,274,140    $5,607,939     14.65       1,032                      
  OVER $250,000          10     $3,025,700      $654,838     21.64          36                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             10,605    $411,806,788   $30,487,793      7.40       25,986                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.1           0.0                    0.3                     
  $     1  -  5000     7.1             0.5           0.0                    2.1                     
  $  5001 -  10000     7.0             1.4           0.2                    3.6                     
  $ 10001 -  15000     7.7             2.5           0.8                    5.0                     
  $ 15001 -  20000     7.2             3.3           1.5                    5.1                     
  $ 20001 -  25000     7.6             4.4           2.4                    6.4                     
  $ 25001 -  30000     7.0             4.9           2.9                    6.7                     
  $ 30001 -  35000     7.1             5.9           3.8                    7.5                     
  $ 35001 -  40000     6.7             6.5           4.4                    7.6                     
  $ 40001 -  45000     6.7             7.3           5.7                    7.9                     
  $ 45001 -  50000     5.9             7.2           5.5                    7.8                     
  $ 50001 -  75000    19.6            30.7          30.0                   26.5                     
  $ 75001 - 100000     7.1            15.6          22.2                    9.5                     
  $100001 - 250000     2.9             9.3          18.4                    4.0                     
  OVER $250,000        0.1             0.7           2.1                    0.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-13,163          $285                   1.70                     
  $     1  -  5000                  $2,689            $4                   0.71                     
  $  5001 -  10000                  $7,547           $76                   1.26                     
  $ 10001 -  15000                 $12,586          $291                   1.59                     
  $ 15001 -  20000                 $17,506          $615                   1.75                     
  $ 20001 -  25000                 $22,483          $899                   2.06                     
  $ 25001 -  30000                 $27,443        $1,193                   2.37                     
  $ 30001 -  35000                 $32,486        $1,555                   2.59                     
  $ 35001 -  40000                 $37,429        $1,905                   2.79                     
  $ 40001 -  45000                 $42,442        $2,435                   2.90                     
  $ 45001 -  50000                 $47,520        $2,699                   3.25                     
  $ 50001 -  75000                 $60,726        $4,391                   3.31                     
  $ 75001 - 100000                 $85,224        $8,966                   3.25                     
  $100001 - 250000                $123,865       $18,149                   3.34                     
  OVER $250,000                   $302,570       $65,484                   3.60                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $38,831        $2,875                   2.45                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   TREMONTON UT                                                     
                        _________________________________________________                           
  UNDER $1               28    $-1,427,229        $3,938     -0.28          68                      
  $     1  -  5000      364       $995,244        $5,595      0.56         144                      
  $  5001 -  10000      339     $2,442,836       $37,719      1.54         308                      
  $ 10001 -  15000      262     $3,258,104       $80,897      2.48         391                      
  $ 15001 -  20000      195     $3,406,427      $102,194      3.00         374                      
  $ 20001 -  25000      239     $5,388,713      $217,089      4.03         514                      
  $ 25001 -  30000      240     $6,600,994      $269,349      4.08         640                      
  $ 30001 -  35000      189     $6,126,006      $268,362      4.38         532                      
  $ 35001 -  40000      214     $7,999,243      $382,596      4.78         642                      
  $ 40001 -  45000      167     $7,097,124      $345,392      4.87         560                      
  $ 45001 -  50000      169     $8,031,538      $406,193      5.06         607                      
  $ 50001 -  75000      620    $37,983,585    $2,643,516      6.96       2,256                      
  $ 75001 - 100000      221    $18,896,660    $1,904,104     10.08         806                      
  OVER $100,000         103    $14,744,817    $2,278,335     15.45         350                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,350    $121,544,062    $8,945,279      7.36        8,192                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -1.2           0.0                    0.8                     
  $     1  -  5000    10.9             0.8           0.1                    1.8                     
  $  5001 -  10000    10.1             2.0           0.4                    3.8                     
  $ 10001 -  15000     7.8             2.7           0.9                    4.8                     
  $ 15001 -  20000     5.8             2.8           1.1                    4.6                     
  $ 20001 -  25000     7.1             4.4           2.4                    6.3                     
  $ 25001 -  30000     7.2             5.4           3.0                    7.8                     
  $ 30001 -  35000     5.6             5.0           3.0                    6.5                     
  $ 35001 -  40000     6.4             6.6           4.3                    7.8                     
  $ 40001 -  45000     5.0             5.8           3.9                    6.8                     
  $ 45001 -  50000     5.0             6.6           4.5                    7.4                     
  $ 50001 -  75000    18.5            31.3          29.6                   27.5                     
  $ 75001 - 100000     6.6            15.5          21.3                    9.8                     
  OVER $100,000        3.1            12.1          25.5                    4.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-50,972          $141                   2.43                     
  $     1  -  5000                  $2,734           $15                   0.40                     
  $  5001 -  10000                  $7,206          $111                   0.91                     
  $ 10001 -  15000                 $12,436          $309                   1.49                     
  $ 15001 -  20000                 $17,469          $524                   1.92                     
  $ 20001 -  25000                 $22,547          $908                   2.15                     
  $ 25001 -  30000                 $27,504        $1,122                   2.67                     
  $ 30001 -  35000                 $32,413        $1,420                   2.81                     
  $ 35001 -  40000                 $37,380        $1,788                   3.00                     
  $ 40001 -  45000                 $42,498        $2,068                   3.35                     
  $ 45001 -  50000                 $47,524        $2,404                   3.59                     
  $ 50001 -  75000                 $61,264        $4,264                   3.64                     
  $ 75001 - 100000                 $85,505        $8,616                   3.65                     
  OVER $100,000                   $143,154       $22,120                   3.40                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $36,282        $2,670                   2.45                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   VERNAL UT                                                        
                        _________________________________________________                           
  UNDER $1               74    $-2,584,231            $0      0.00         138                      
  $     1  -  5000      846     $2,351,447        $4,523      0.19         600                      
  $  5001 -  10000      832     $6,169,721       $69,241      1.12       1,018                      
  $ 10001 -  15000      679     $8,506,002      $180,781      2.13       1,157                      
  $ 15001 -  20000      548     $9,518,239      $309,801      3.25       1,061                      
  $ 20001 -  25000      453    $10,192,235      $339,268      3.33       1,090                      
  $ 25001 -  30000      442    $12,119,722      $533,404      4.40       1,097                      
  $ 30001 -  35000      398    $12,948,110      $607,521      4.69       1,082                      
  $ 35001 -  40000      363    $13,629,316      $706,448      5.18       1,074                      
  $ 40001 -  45000      391    $16,578,896      $912,075      5.50       1,282                      
  $ 45001 -  50000      341    $16,137,357    $1,041,882      6.46       1,069                      
  $ 50001 -  75000    1,230    $74,768,621    $5,953,098      7.96       4,160                      
  $ 75001 - 100000      499    $42,436,145    $4,631,964     10.92       1,700                      
  $100001 - 250000      219    $28,804,079    $4,645,729     16.13         720                      
  OVER $250,000          19    $12,156,551    $3,657,225     30.08          47                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              7,334    $263,732,210   $23,592,960      8.95       17,295                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.0            -1.0           0.0                    0.8                     
  $     1  -  5000    11.5             0.9           0.0                    3.5                     
  $  5001 -  10000    11.3             2.3           0.3                    5.9                     
  $ 10001 -  15000     9.3             3.2           0.8                    6.7                     
  $ 15001 -  20000     7.5             3.6           1.3                    6.1                     
  $ 20001 -  25000     6.2             3.9           1.4                    6.3                     
  $ 25001 -  30000     6.0             4.6           2.3                    6.3                     
  $ 30001 -  35000     5.4             4.9           2.6                    6.3                     
  $ 35001 -  40000     4.9             5.2           3.0                    6.2                     
  $ 40001 -  45000     5.3             6.3           3.9                    7.4                     
  $ 45001 -  50000     4.6             6.1           4.4                    6.2                     
  $ 50001 -  75000    16.8            28.4          25.2                   24.1                     
  $ 75001 - 100000     6.8            16.1          19.6                    9.8                     
  $100001 - 250000     3.0            10.9          19.7                    4.2                     
  OVER $250,000        0.3             4.6          15.5                    0.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-34,922            $0                   1.86                     
  $     1  -  5000                  $2,779            $5                   0.71                     
  $  5001 -  10000                  $7,416           $83                   1.22                     
  $ 10001 -  15000                 $12,527          $266                   1.70                     
  $ 15001 -  20000                 $17,369          $565                   1.94                     
  $ 20001 -  25000                 $22,499          $749                   2.41                     
  $ 25001 -  30000                 $27,420        $1,207                   2.48                     
  $ 30001 -  35000                 $32,533        $1,526                   2.72                     
  $ 35001 -  40000                 $37,546        $1,946                   2.96                     
  $ 40001 -  45000                 $42,401        $2,333                   3.28                     
  $ 45001 -  50000                 $47,324        $3,055                   3.13                     
  $ 50001 -  75000                 $60,787        $4,840                   3.38                     
  $ 75001 - 100000                 $85,042        $9,282                   3.41                     
  $100001 - 250000                $131,525       $21,213                   3.29                     
  OVER $250,000                   $639,818      $192,486                   2.47                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $35,960        $3,217                   2.36                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   WASHINGTON UT                                                    
                        _________________________________________________                           
  UNDER $1               34    $-2,500,954            $0      0.00          79                      
  $     1  -  5000      326       $969,077        $1,201      0.12         181                      
  $  5001 -  10000      370     $2,733,124       $30,581      1.12         466                      
  $ 10001 -  15000      361     $4,491,685       $85,907      1.91         633                      
  $ 15001 -  20000      366     $6,367,897      $175,219      2.75         713                      
  $ 20001 -  25000      310     $6,939,045      $241,342      3.48         721                      
  $ 25001 -  30000      261     $7,150,477      $265,136      3.71         672                      
  $ 30001 -  35000      195     $6,292,258      $260,283      4.14         534                      
  $ 35001 -  40000      173     $6,495,482      $291,232      4.48         527                      
  $ 40001 -  45000      141     $5,983,872      $290,881      4.86         453                      
  $ 45001 -  50000      160     $7,604,010      $445,311      5.86         499                      
  $ 50001 -  75000      478    $28,912,102    $2,059,505      7.12       1,559                      
  $ 75001 - 100000      170    $14,502,934    $1,359,921      9.38         593                      
  $100001 - 250000       96    $13,164,382    $1,964,784     14.92         323                      
  OVER $250,000          17     $7,448,808    $1,676,287     22.50          62                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,458    $116,554,199    $9,147,590      7.85        8,015                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.0            -2.1           0.0                    1.0                     
  $     1  -  5000     9.4             0.8           0.0                    2.3                     
  $  5001 -  10000    10.7             2.3           0.3                    5.8                     
  $ 10001 -  15000    10.4             3.9           0.9                    7.9                     
  $ 15001 -  20000    10.6             5.5           1.9                    8.9                     
  $ 20001 -  25000     9.0             6.0           2.6                    9.0                     
  $ 25001 -  30000     7.5             6.1           2.9                    8.4                     
  $ 30001 -  35000     5.6             5.4           2.8                    6.7                     
  $ 35001 -  40000     5.0             5.6           3.2                    6.6                     
  $ 40001 -  45000     4.1             5.1           3.2                    5.7                     
  $ 45001 -  50000     4.6             6.5           4.9                    6.2                     
  $ 50001 -  75000    13.8            24.8          22.5                   19.5                     
  $ 75001 - 100000     4.9            12.4          14.9                    7.4                     
  $100001 - 250000     2.8            11.3          21.5                    4.0                     
  OVER $250,000        0.5             6.4          18.3                    0.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-73,557            $0                   2.32                     
  $     1  -  5000                  $2,973            $4                   0.56                     
  $  5001 -  10000                  $7,387           $83                   1.26                     
  $ 10001 -  15000                 $12,442          $238                   1.75                     
  $ 15001 -  20000                 $17,399          $479                   1.95                     
  $ 20001 -  25000                 $22,384          $779                   2.33                     
  $ 25001 -  30000                 $27,396        $1,016                   2.57                     
  $ 30001 -  35000                 $32,268        $1,335                   2.74                     
  $ 35001 -  40000                 $37,546        $1,683                   3.05                     
  $ 40001 -  45000                 $42,439        $2,063                   3.21                     
  $ 45001 -  50000                 $47,525        $2,783                   3.12                     
  $ 50001 -  75000                 $60,486        $4,309                   3.26                     
  $ 75001 - 100000                 $85,311        $8,000                   3.49                     
  $100001 - 250000                $137,129       $20,467                   3.36                     
  OVER $250,000                   $438,165       $98,605                   3.65                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $33,706        $2,645                   2.32                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   WELLSVILLE UT                                                    
                        _________________________________________________                           
  UNDER $1               16      $-190,546            $0      0.00          35                      
  $     1  -  5000      149       $415,481        $1,986      0.48          75                      
  $  5001 -  10000      135     $1,004,468       $17,404      1.73         112                      
  $ 10001 -  15000      127     $1,605,870       $34,501      2.15         218                      
  $ 15001 -  20000      118     $2,051,813       $52,240      2.55         258                      
  $ 20001 -  25000      115     $2,584,046       $99,344      3.84         251                      
  $ 25001 -  30000       90     $2,473,874       $90,524      3.66         236                      
  $ 30001 -  35000       84     $2,710,110      $102,181      3.77         279                      
  $ 35001 -  40000       94     $3,510,495      $154,181      4.39         310                      
  $ 40001 -  45000       78     $3,315,611      $152,568      4.60         268                      
  $ 45001 -  50000       77     $3,662,985      $198,165      5.41         269                      
  $ 50001 -  75000      269    $16,314,992    $1,113,804      6.83         944                      
  $ 75001 - 100000      104     $8,799,381      $867,124      9.85         383                      
  OVER $100,000          60    $10,328,552    $1,690,174     16.36         233                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,516     $58,587,132    $4,574,196      7.81        3,871                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -0.3           0.0                    0.9                     
  $     1  -  5000     9.8             0.7           0.0                    1.9                     
  $  5001 -  10000     8.9             1.7           0.4                    2.9                     
  $ 10001 -  15000     8.4             2.7           0.8                    5.6                     
  $ 15001 -  20000     7.8             3.5           1.1                    6.7                     
  $ 20001 -  25000     7.6             4.4           2.2                    6.5                     
  $ 25001 -  30000     5.9             4.2           2.0                    6.1                     
  $ 30001 -  35000     5.5             4.6           2.2                    7.2                     
  $ 35001 -  40000     6.2             6.0           3.4                    8.0                     
  $ 40001 -  45000     5.1             5.7           3.3                    6.9                     
  $ 45001 -  50000     5.1             6.3           4.3                    6.9                     
  $ 50001 -  75000    17.7            27.8          24.3                   24.4                     
  $ 75001 - 100000     6.9            15.0          19.0                    9.9                     
  OVER $100,000        4.0            17.6          37.0                    6.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-11,909            $0                   2.19                     
  $     1  -  5000                  $2,788           $13                   0.50                     
  $  5001 -  10000                  $7,441          $129                   0.83                     
  $ 10001 -  15000                 $12,645          $272                   1.72                     
  $ 15001 -  20000                 $17,388          $443                   2.19                     
  $ 20001 -  25000                 $22,470          $864                   2.18                     
  $ 25001 -  30000                 $27,487        $1,006                   2.62                     
  $ 30001 -  35000                 $32,263        $1,216                   3.32                     
  $ 35001 -  40000                 $37,346        $1,640                   3.30                     
  $ 40001 -  45000                 $42,508        $1,956                   3.44                     
  $ 45001 -  50000                 $47,571        $2,574                   3.49                     
  $ 50001 -  75000                 $60,651        $4,141                   3.51                     
  $ 75001 - 100000                 $84,609        $8,338                   3.68                     
  OVER $100,000                   $172,143       $28,170                   3.88                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $38,646        $3,017                   2.55                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                    
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   WEST BOUNTIFUL UT                                                
                        _________________________________________________                           
  UNDER $ 5,000         232       $263,639        $2,001      0.76          67                      
  $  5001 -  10000      179     $1,324,055       $28,197      2.13          92                      
  $ 10001 -  15000      136     $1,688,198       $56,552      3.35         168                      
  $ 15001 -  20000      101     $1,793,011       $78,488      4.38         138                      
  $ 20001 -  25000       90     $2,023,025      $100,021      4.94         170                      
  $ 25001 -  30000       87     $2,368,432      $122,560      5.17         178                      
  $ 30001 -  35000       77     $2,510,969      $126,427      5.03         179                      
  $ 35001 -  40000       91     $3,421,506      $180,093      5.26         230                      
  $ 40001 -  45000       82     $3,460,226      $180,652      5.22         232                      
  $ 45001 -  50000       66     $3,118,379      $143,643      4.61         249                      
  $ 50001 -  75000      309    $19,285,205    $1,289,536      6.69       1,078                      
  $ 75001 - 100000      187    $16,076,028    $1,582,525      9.84         640                      
  OVER $100,000         111    $15,074,728    $2,320,239     15.39         412                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,748     $72,407,401    $6,210,934      8.58        3,833                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       13.3             0.4           0.0                    1.7                     
  $  5001 -  10000    10.2             1.8           0.5                    2.4                     
  $ 10001 -  15000     7.8             2.3           0.9                    4.4                     
  $ 15001 -  20000     5.8             2.5           1.3                    3.6                     
  $ 20001 -  25000     5.1             2.8           1.6                    4.4                     
  $ 25001 -  30000     5.0             3.3           2.0                    4.6                     
  $ 30001 -  35000     4.4             3.5           2.0                    4.7                     
  $ 35001 -  40000     5.2             4.7           2.9                    6.0                     
  $ 40001 -  45000     4.7             4.8           2.9                    6.1                     
  $ 45001 -  50000     3.8             4.3           2.3                    6.5                     
  $ 50001 -  75000    17.7            26.6          20.8                   28.1                     
  $ 75001 - 100000    10.7            22.2          25.5                   16.7                     
  OVER $100,000        6.4            20.8          37.4                   10.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $1,136            $9                   0.29                     
  $  5001 -  10000                  $7,397          $158                   0.51                     
  $ 10001 -  15000                 $12,413          $416                   1.24                     
  $ 15001 -  20000                 $17,753          $777                   1.37                     
  $ 20001 -  25000                 $22,478        $1,111                   1.89                     
  $ 25001 -  30000                 $27,223        $1,409                   2.05                     
  $ 30001 -  35000                 $32,610        $1,642                   2.32                     
  $ 35001 -  40000                 $37,599        $1,979                   2.53                     
  $ 40001 -  45000                 $42,198        $2,203                   2.83                     
  $ 45001 -  50000                 $47,248        $2,176                   3.77                     
  $ 50001 -  75000                 $62,412        $4,173                   3.49                     
  $ 75001 - 100000                 $85,968        $8,463                   3.42                     
  OVER $100,000                   $135,808       $20,903                   3.71                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $41,423        $3,553                   2.19                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   WEST HAVEN UT                                                    
                        _________________________________________________                           
  UNDER $ 5,000         145       $215,733        $1,991      0.92          71                      
  $  5001 -  10000      114       $822,759       $15,724      1.91          96                      
  $ 10001 -  15000       77       $932,806       $30,202      3.24          88                      
  $ 15001 -  20000       74     $1,292,939       $60,682      4.69         123                      
  $ 20001 -  25000       56     $1,247,269       $45,462      3.64         109                      
  $ 25001 -  30000       41     $1,141,489       $60,016      5.26          82                      
  $ 30001 -  35000       41     $1,322,308       $61,875      4.68          95                      
  $ 35001 -  40000       35     $1,313,733       $60,936      4.64          96                      
  $ 40001 -  45000       55     $2,336,215      $125,846      5.39         157                      
  $ 45001 -  50000       62     $2,966,908      $177,494      5.98         194                      
  $ 50001 -  75000      242    $15,211,892      $968,685      6.37         882                      
  $ 75001 - 100000      160    $13,645,219    $1,242,170      9.10         571                      
  OVER $100,000          93    $11,331,680    $1,556,989     13.74         352                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,195     $53,780,950    $4,408,072      8.20        2,916                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       12.1             0.4           0.0                    2.4                     
  $  5001 -  10000     9.5             1.5           0.4                    3.3                     
  $ 10001 -  15000     6.4             1.7           0.7                    3.0                     
  $ 15001 -  20000     6.2             2.4           1.4                    4.2                     
  $ 20001 -  25000     4.7             2.3           1.0                    3.7                     
  $ 25001 -  30000     3.4             2.1           1.4                    2.8                     
  $ 30001 -  35000     3.4             2.5           1.4                    3.3                     
  $ 35001 -  40000     2.9             2.4           1.4                    3.3                     
  $ 40001 -  45000     4.6             4.3           2.9                    5.4                     
  $ 45001 -  50000     5.2             5.5           4.0                    6.7                     
  $ 50001 -  75000    20.3            28.3          22.0                   30.2                     
  $ 75001 - 100000    13.4            25.4          28.2                   19.6                     
  OVER $100,000        7.8            21.1          35.3                   12.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $1,488           $14                   0.49                     
  $  5001 -  10000                  $7,217          $138                   0.84                     
  $ 10001 -  15000                 $12,114          $392                   1.14                     
  $ 15001 -  20000                 $17,472          $820                   1.66                     
  $ 20001 -  25000                 $22,273          $812                   1.95                     
  $ 25001 -  30000                 $27,841        $1,464                   2.00                     
  $ 30001 -  35000                 $32,251        $1,509                   2.32                     
  $ 35001 -  40000                 $37,535        $1,741                   2.74                     
  $ 40001 -  45000                 $42,477        $2,288                   2.85                     
  $ 45001 -  50000                 $47,853        $2,863                   3.13                     
  $ 50001 -  75000                 $62,859        $4,003                   3.64                     
  $ 75001 - 100000                 $85,283        $7,764                   3.57                     
  OVER $100,000                   $121,846       $16,742                   3.78                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $45,005        $3,689                   2.44                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   WEST JORDAN UT                                                   
                        _________________________________________________                           
  UNDER $1              140    $-7,066,844        $4,202     -0.06         254                      
  $     1  -  5000    3,011     $8,133,940       $15,686      0.19       1,445                      
  $  5001 -  10000    2,771    $20,470,457      $313,959      1.53       2,736                      
  $ 10001 -  15000    2,691    $33,561,208      $853,813      2.54       4,297                      
  $ 15001 -  20000    2,728    $47,713,035    $1,719,840      3.60       4,991                      
  $ 20001 -  25000    2,489    $55,760,048    $2,265,658      4.06       5,276                      
  $ 25001 -  30000    2,239    $61,486,038    $2,914,659      4.74       5,086                      
  $ 30001 -  35000    1,903    $61,736,934    $3,052,496      4.94       4,857                      
  $ 35001 -  40000    1,861    $69,681,756    $3,320,625      4.77       5,250                      
  $ 40001 -  45000    1,745    $74,322,455    $3,862,046      5.20       5,265                      
  $ 45001 -  50000    1,772    $84,184,743    $4,661,582      5.54       5,613                      
  $ 50001 -  75000    6,939   $426,473,142   $27,921,736      6.55      24,171                      
  $ 75001 - 100000    3,121   $265,652,987   $25,017,593      9.42      11,042                      
  $100001 - 250000    1,376   $172,167,380   $24,135,924     14.02       4,940                      
  OVER $250,000          45    $18,167,374    $4,325,273     23.81         157                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             34,831  $1,392,444,653  $104,385,092      7.50       85,380                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.5           0.0                    0.3                     
  $     1  -  5000     8.6             0.6           0.0                    1.7                     
  $  5001 -  10000     8.0             1.5           0.3                    3.2                     
  $ 10001 -  15000     7.7             2.4           0.8                    5.0                     
  $ 15001 -  20000     7.8             3.4           1.6                    5.8                     
  $ 20001 -  25000     7.1             4.0           2.2                    6.2                     
  $ 25001 -  30000     6.4             4.4           2.8                    6.0                     
  $ 30001 -  35000     5.5             4.4           2.9                    5.7                     
  $ 35001 -  40000     5.3             5.0           3.2                    6.1                     
  $ 40001 -  45000     5.0             5.3           3.7                    6.2                     
  $ 45001 -  50000     5.1             6.0           4.5                    6.6                     
  $ 50001 -  75000    19.9            30.6          26.7                   28.3                     
  $ 75001 - 100000     9.0            19.1          24.0                   12.9                     
  $100001 - 250000     4.0            12.4          23.1                    5.8                     
  OVER $250,000        0.1             1.3           4.1                    0.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-50,477           $30                   1.81                     
  $     1  -  5000                  $2,701            $5                   0.48                     
  $  5001 -  10000                  $7,387          $113                   0.99                     
  $ 10001 -  15000                 $12,472          $317                   1.60                     
  $ 15001 -  20000                 $17,490          $630                   1.83                     
  $ 20001 -  25000                 $22,403          $910                   2.12                     
  $ 25001 -  30000                 $27,461        $1,302                   2.27                     
  $ 30001 -  35000                 $32,442        $1,604                   2.55                     
  $ 35001 -  40000                 $37,443        $1,784                   2.82                     
  $ 40001 -  45000                 $42,592        $2,213                   3.02                     
  $ 45001 -  50000                 $47,508        $2,631                   3.17                     
  $ 50001 -  75000                 $61,460        $4,024                   3.48                     
  $ 75001 - 100000                 $85,118        $8,016                   3.54                     
  $100001 - 250000                $125,122       $17,541                   3.59                     
  OVER $250,000                   $403,719       $96,117                   3.49                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,977        $2,997                   2.45                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   WEST POINT UT                                                    
                        _________________________________________________                           
  UNDER $1               14      $-148,445           $69     -0.05          32                      
  $     1  -  5000      283       $746,599        $1,883      0.25          89                      
  $  5001 -  10000      214     $1,592,209       $36,755      2.31         131                      
  $ 10001 -  15000      142     $1,774,001       $48,892      2.76         195                      
  $ 15001 -  20000      122     $2,116,509       $78,676      3.72         197                      
  $ 20001 -  25000      112     $2,522,666      $118,647      4.70         209                      
  $ 25001 -  30000      112     $3,091,118      $155,272      5.02         229                      
  $ 30001 -  35000       98     $3,187,686      $178,896      5.61         215                      
  $ 35001 -  40000      110     $4,100,375      $201,191      4.91         303                      
  $ 40001 -  45000      105     $4,462,529      $226,801      5.08         321                      
  $ 45001 -  50000      101     $4,806,390      $258,800      5.38         331                      
  $ 50001 -  75000      508    $31,508,234    $2,113,523      6.71       1,815                      
  $ 75001 - 100000      293    $25,281,592    $2,465,617      9.75       1,052                      
  OVER $100,000         147    $21,539,437    $3,619,886     16.81         504                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,361    $106,580,900    $9,504,908      8.92        5,623                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.6            -0.1           0.0                    0.6                     
  $     1  -  5000    12.0             0.7           0.0                    1.6                     
  $  5001 -  10000     9.1             1.5           0.4                    2.3                     
  $ 10001 -  15000     6.0             1.7           0.5                    3.5                     
  $ 15001 -  20000     5.2             2.0           0.8                    3.5                     
  $ 20001 -  25000     4.7             2.4           1.2                    3.7                     
  $ 25001 -  30000     4.7             2.9           1.6                    4.1                     
  $ 30001 -  35000     4.2             3.0           1.9                    3.8                     
  $ 35001 -  40000     4.7             3.8           2.1                    5.4                     
  $ 40001 -  45000     4.4             4.2           2.4                    5.7                     
  $ 45001 -  50000     4.3             4.5           2.7                    5.9                     
  $ 50001 -  75000    21.5            29.6          22.2                   32.3                     
  $ 75001 - 100000    12.4            23.7          25.9                   18.7                     
  OVER $100,000        6.2            20.2          38.1                    9.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-10,603            $5                   2.29                     
  $     1  -  5000                  $2,638            $7                   0.31                     
  $  5001 -  10000                  $7,440          $172                   0.61                     
  $ 10001 -  15000                 $12,493          $344                   1.37                     
  $ 15001 -  20000                 $17,348          $645                   1.61                     
  $ 20001 -  25000                 $22,524        $1,059                   1.87                     
  $ 25001 -  30000                 $27,599        $1,386                   2.04                     
  $ 30001 -  35000                 $32,527        $1,825                   2.19                     
  $ 35001 -  40000                 $37,276        $1,829                   2.75                     
  $ 40001 -  45000                 $42,500        $2,160                   3.06                     
  $ 45001 -  50000                 $47,588        $2,562                   3.28                     
  $ 50001 -  75000                 $62,024        $4,160                   3.57                     
  $ 75001 - 100000                 $86,285        $8,415                   3.59                     
  OVER $100,000                   $146,527       $24,625                   3.43                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $45,142        $4,026                   2.38                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   WEST VALLEY UT                                                   
                        _________________________________________________                           
  UNDER $1              166    $-2,554,246        $1,801     -0.07         321                      
  $     1  -  5000    2,898     $8,073,302       $10,993      0.14       2,169                      
  $  5001 -  10000    3,444    $25,773,680      $287,766      1.12       4,542                      
  $ 10001 -  15000    3,508    $43,863,044      $896,471      2.04       6,641                      
  $ 15001 -  20000    3,841    $67,282,323    $1,982,033      2.95       8,237                      
  $ 20001 -  25000    3,695    $82,854,987    $3,074,490      3.71       8,546                      
  $ 25001 -  30000    3,043    $83,370,681    $3,680,268      4.41       7,446                      
  $ 30001 -  35000    2,403    $77,855,395    $3,801,887      4.88       6,269                      
  $ 35001 -  40000    2,104    $78,838,022    $4,249,465      5.39       5,890                      
  $ 40001 -  45000    1,787    $75,890,727    $4,209,819      5.55       5,412                      
  $ 45001 -  50000    1,694    $80,443,719    $4,663,834      5.80       5,485                      
  $ 50001 -  75000    5,293   $320,863,917   $23,172,198      7.22      17,864                      
  $ 75001 - 100000    1,642   $138,810,963   $14,236,238     10.26       5,595                      
  $100001 - 250000      501    $61,685,278    $9,190,183     14.90       1,650                      
  OVER $250,000          20    $12,650,603    $3,501,103     27.68          53                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             36,039  $1,155,702,395   $76,958,549      6.66       86,120                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.5            -0.2           0.0                    0.4                     
  $     1  -  5000     8.0             0.7           0.0                    2.5                     
  $  5001 -  10000     9.6             2.2           0.4                    5.3                     
  $ 10001 -  15000     9.7             3.8           1.2                    7.7                     
  $ 15001 -  20000    10.7             5.8           2.6                    9.6                     
  $ 20001 -  25000    10.3             7.2           4.0                    9.9                     
  $ 25001 -  30000     8.4             7.2           4.8                    8.6                     
  $ 30001 -  35000     6.7             6.7           4.9                    7.3                     
  $ 35001 -  40000     5.8             6.8           5.5                    6.8                     
  $ 40001 -  45000     5.0             6.6           5.5                    6.3                     
  $ 45001 -  50000     4.7             7.0           6.1                    6.4                     
  $ 50001 -  75000    14.7            27.8          30.1                   20.7                     
  $ 75001 - 100000     4.6            12.0          18.5                    6.5                     
  $100001 - 250000     1.4             5.3          11.9                    1.9                     
  OVER $250,000        0.1             1.1           4.5                    0.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-15,387           $11                   1.93                     
  $     1  -  5000                  $2,786            $4                   0.75                     
  $  5001 -  10000                  $7,484           $84                   1.32                     
  $ 10001 -  15000                 $12,504          $256                   1.89                     
  $ 15001 -  20000                 $17,517          $516                   2.14                     
  $ 20001 -  25000                 $22,424          $832                   2.31                     
  $ 25001 -  30000                 $27,398        $1,209                   2.45                     
  $ 30001 -  35000                 $32,399        $1,582                   2.61                     
  $ 35001 -  40000                 $37,471        $2,020                   2.80                     
  $ 40001 -  45000                 $42,468        $2,356                   3.03                     
  $ 45001 -  50000                 $47,487        $2,753                   3.24                     
  $ 50001 -  75000                 $60,620        $4,378                   3.38                     
  $ 75001 - 100000                 $84,538        $8,670                   3.41                     
  $100001 - 250000                $123,124       $18,344                   3.29                     
  OVER $250,000                   $632,530      $175,055                   2.65                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $32,068        $2,135                   2.39                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   WILLARD UT                                                       
                        _________________________________________________                           
  UNDER $ 5,000          95       $143,359          $488      0.34          69                      
  $  5001 -  10000      109       $793,426        $9,449      1.19         111                      
  $ 10001 -  15000       96     $1,191,552       $24,506      2.06         159                      
  $ 15001 -  20000       66     $1,147,039       $38,807      3.38         120                      
  $ 20001 -  25000       62     $1,394,777       $58,456      4.19         135                      
  $ 25001 -  30000       77     $2,097,482      $108,405      5.17         174                      
  $ 30001 -  35000       62     $1,999,115      $126,492      6.33         135                      
  $ 35001 -  40000       46     $1,713,321      $115,057      6.72         100                      
  $ 40001 -  45000       45     $1,899,053      $125,683      6.62         133                      
  $ 45001 -  50000       46     $2,202,634      $120,528      5.47         159                      
  $ 50001 -  75000      188    $11,591,148      $859,946      7.42         621                      
  $ 75001 - 100000       89     $7,601,917      $844,354     11.11         296                      
  OVER $100,000          39     $6,317,737    $1,132,557     17.93         121                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,020     $40,092,560    $3,564,728      8.89        2,333                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000        9.3             0.4           0.0                    3.0                     
  $  5001 -  10000    10.7             2.0           0.3                    4.8                     
  $ 10001 -  15000     9.4             3.0           0.7                    6.8                     
  $ 15001 -  20000     6.5             2.9           1.1                    5.1                     
  $ 20001 -  25000     6.1             3.5           1.6                    5.8                     
  $ 25001 -  30000     7.5             5.2           3.0                    7.5                     
  $ 30001 -  35000     6.1             5.0           3.5                    5.8                     
  $ 35001 -  40000     4.5             4.3           3.2                    4.3                     
  $ 40001 -  45000     4.4             4.7           3.5                    5.7                     
  $ 45001 -  50000     4.5             5.5           3.4                    6.8                     
  $ 50001 -  75000    18.4            28.9          24.1                   26.6                     
  $ 75001 - 100000     8.7            19.0          23.7                   12.7                     
  OVER $100,000        3.8            15.8          31.8                    5.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $1,509            $5                   0.73                     
  $  5001 -  10000                  $7,279           $87                   1.02                     
  $ 10001 -  15000                 $12,412          $255                   1.66                     
  $ 15001 -  20000                 $17,379          $588                   1.82                     
  $ 20001 -  25000                 $22,496          $943                   2.18                     
  $ 25001 -  30000                 $27,240        $1,408                   2.26                     
  $ 30001 -  35000                 $32,244        $2,040                   2.18                     
  $ 35001 -  40000                 $37,246        $2,501                   2.17                     
  $ 40001 -  45000                 $42,201        $2,793                   2.96                     
  $ 45001 -  50000                 $47,883        $2,620                   3.46                     
  $ 50001 -  75000                 $61,655        $4,574                   3.30                     
  $ 75001 - 100000                 $85,415        $9,487                   3.33                     
  OVER $100,000                   $161,993       $29,040                   3.10                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,306        $3,495                   2.29                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2002 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH I.R.S.                 *             
* ADJUSTED GROSS    NO. OF   ADJUSTED GROSS    FEDERAL#    EFFECTIVE    NO. OF NET##  *             
*  INCOME CLASS     RETURNS      INCOME#       TAX PAID  FED. TAX RATE  EXEMPTIONS    *             
***************************************************************************************             
                   TABLE OF CONTENTS                               
                                   WOODS CROSS UT                                                   
                        _________________________________________________                           
  UNDER $1               20      $-471,341        $1,292     -0.27          50                      
  $     1  -  5000      268       $705,610        $1,278      0.18         106                      
  $  5001 -  10000      233     $1,752,804       $25,526      1.46         213                      
  $ 10001 -  15000      184     $2,300,154       $54,491      2.37         275                      
  $ 15001 -  20000      189     $3,297,665      $124,486      3.77         299                      
  $ 20001 -  25000      179     $4,042,730      $194,528      4.81         332                      
  $ 25001 -  30000      171     $4,675,791      $218,172      4.67         378                      
  $ 30001 -  35000      151     $4,898,135      $253,211      5.17         340                      
  $ 35001 -  40000      200     $7,470,693      $372,561      4.99         561                      
  $ 40001 -  45000      169     $7,185,777      $326,541      4.54         560                      
  $ 45001 -  50000      179     $8,497,981      $504,318      5.93         522                      
  $ 50001 -  75000      645    $39,719,748    $2,755,961      6.94       2,148                      
  $ 75001 - 100000      231    $19,667,234    $1,938,040      9.85         789                      
  OVER $100,000          80    $12,168,259    $2,118,785     17.41         292                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,899    $115,911,240    $8,889,190      7.67        6,865                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.7            -0.4           0.0                    0.7                     
  $     1  -  5000     9.2             0.6           0.0                    1.5                     
  $  5001 -  10000     8.0             1.5           0.3                    3.1                     
  $ 10001 -  15000     6.3             2.0           0.6                    4.0                     
  $ 15001 -  20000     6.5             2.8           1.4                    4.4                     
  $ 20001 -  25000     6.2             3.5           2.2                    4.8                     
  $ 25001 -  30000     5.9             4.0           2.5                    5.5                     
  $ 30001 -  35000     5.2             4.2           2.8                    5.0                     
  $ 35001 -  40000     6.9             6.4           4.2                    8.2                     
  $ 40001 -  45000     5.8             6.2           3.7                    8.2                     
  $ 45001 -  50000     6.2             7.3           5.7                    7.6                     
  $ 50001 -  75000    22.2            34.3          31.0                   31.3                     
  $ 75001 - 100000     8.0            17.0          21.8                   11.5                     
  OVER $100,000        2.8            10.5          23.8                    4.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-23,567           $65                   2.50                     
  $     1  -  5000                  $2,633            $5                   0.40                     
  $  5001 -  10000                  $7,523          $110                   0.91                     
  $ 10001 -  15000                 $12,501          $296                   1.49                     
  $ 15001 -  20000                 $17,448          $659                   1.58                     
  $ 20001 -  25000                 $22,585        $1,087                   1.85                     
  $ 25001 -  30000                 $27,344        $1,276                   2.21                     
  $ 30001 -  35000                 $32,438        $1,677                   2.25                     
  $ 35001 -  40000                 $37,353        $1,863                   2.81                     
  $ 40001 -  45000                 $42,519        $1,932                   3.31                     
  $ 45001 -  50000                 $47,475        $2,817                   2.92                     
  $ 50001 -  75000                 $61,581        $4,273                   3.33                     
  $ 75001 - 100000                 $85,140        $8,390                   3.42                     
  OVER $100,000                   $152,103       $26,485                   3.65                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,983        $3,066                   2.37                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS