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                                                                    
NIBLEY 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 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               45    $-1,632,768          $259     -0.02         128                      
  $     1  -  5000      440     $1,092,049       $10,044      0.92         138                      
  $  5001 -  10000      244     $1,809,822       $32,950      1.82         216                      
  $ 10001 -  15000      216     $2,652,638       $76,084      2.87         311                      
  $ 15001 -  20000      134     $2,327,147       $79,413      3.41         251                      
  $ 20001 -  25000       95     $2,130,924       $63,953      3.00         240                      
  $ 25001 -  30000      104     $2,879,600      $118,240      4.11         232                      
  $ 30001 -  35000       79     $2,580,340      $103,422      4.01         193                      
  $ 35001 -  40000       76     $2,874,895       $87,017      3.03         260                      
  $ 40001 -  45000       68     $2,896,851      $111,128      3.84         235                      
  $ 45001 -  50000       67     $3,164,701      $130,974      4.14         224                      
  $ 50001 -  75000      336    $21,082,710    $1,061,576      5.04       1,289                      
  $ 75001 - 100000      259    $22,581,667    $1,351,793      5.99       1,125                      
  $100001 - 250000      462    $67,946,915    $7,734,864     11.38       2,131                      
  OVER $250,000          89    $51,803,999   $11,539,674     22.28         381                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,714    $186,191,490   $22,501,391     12.09        7,354                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.7            -0.9           0.0                    1.7                     
  $     1  -  5000    16.2             0.6           0.0                    1.9                     
  $  5001 -  10000     9.0             1.0           0.1                    2.9                     
  $ 10001 -  15000     8.0             1.4           0.3                    4.2                     
  $ 15001 -  20000     4.9             1.2           0.4                    3.4                     
  $ 20001 -  25000     3.5             1.1           0.3                    3.3                     
  $ 25001 -  30000     3.8             1.5           0.5                    3.2                     
  $ 30001 -  35000     2.9             1.4           0.5                    2.6                     
  $ 35001 -  40000     2.8             1.5           0.4                    3.5                     
  $ 40001 -  45000     2.5             1.6           0.5                    3.2                     
  $ 45001 -  50000     2.5             1.7           0.6                    3.0                     
  $ 50001 -  75000    12.4            11.3           4.7                   17.5                     
  $ 75001 - 100000     9.5            12.1           6.0                   15.3                     
  $100001 - 250000    17.0            36.5          34.4                   29.0                     
  OVER $250,000        3.3            27.8          51.3                    5.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-36,284            $6                   2.84                     
  $     1  -  5000                  $2,482           $23                   0.31                     
  $  5001 -  10000                  $7,417          $135                   0.89                     
  $ 10001 -  15000                 $12,281          $352                   1.44                     
  $ 15001 -  20000                 $17,367          $593                   1.87                     
  $ 20001 -  25000                 $22,431          $673                   2.53                     
  $ 25001 -  30000                 $27,688        $1,137                   2.23                     
  $ 30001 -  35000                 $32,663        $1,309                   2.44                     
  $ 35001 -  40000                 $37,828        $1,145                   3.42                     
  $ 40001 -  45000                 $42,601        $1,634                   3.46                     
  $ 45001 -  50000                 $47,234        $1,955                   3.34                     
  $ 50001 -  75000                 $62,746        $3,159                   3.84                     
  $ 75001 - 100000                 $87,188        $5,219                   4.34                     
  $100001 - 250000                $147,071       $16,742                   4.61                     
  OVER $250,000                   $582,067      $129,659                   4.28                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $68,604        $8,291                   2.71                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                     
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               79    $-1,642,009          $635     -0.04         171                      
  $     1  -  5000      834     $2,297,644       $13,943      0.61         438                      
  $  5001 -  10000      840     $6,236,136       $76,762      1.23         967                      
  $ 10001 -  15000      734     $9,188,957      $189,958      2.07       1,305                      
  $ 15001 -  20000      784    $13,756,519      $391,544      2.85       1,607                      
  $ 20001 -  25000      608    $13,681,889      $458,406      3.35       1,384                      
  $ 25001 -  30000      528    $14,471,362      $524,883      3.63       1,352                      
  $ 30001 -  35000      457    $14,818,554      $550,717      3.72       1,319                      
  $ 35001 -  40000      439    $16,371,109      $674,422      4.12       1,281                      
  $ 40001 -  45000      441    $18,713,306      $809,281      4.32       1,411                      
  $ 45001 -  50000      357    $16,998,622      $748,558      4.40       1,222                      
  $ 50001 -  75000    1,463    $89,511,835    $4,979,161      5.56       5,520                      
  $ 75001 - 100000      682    $57,843,892    $4,173,909      7.22       2,766                      
  $100001 - 250000      424    $55,813,726    $6,625,320     11.87       1,695                      
  OVER $250,000          40    $16,387,346    $3,587,405     21.89         128                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,710    $344,448,888   $23,804,904      6.91       22,566                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.9            -0.5           0.0                    0.8                     
  $     1  -  5000     9.6             0.7           0.1                    1.9                     
  $  5001 -  10000     9.6             1.8           0.3                    4.3                     
  $ 10001 -  15000     8.4             2.7           0.8                    5.8                     
  $ 15001 -  20000     9.0             4.0           1.6                    7.1                     
  $ 20001 -  25000     7.0             4.0           1.9                    6.1                     
  $ 25001 -  30000     6.1             4.2           2.2                    6.0                     
  $ 30001 -  35000     5.2             4.3           2.3                    5.8                     
  $ 35001 -  40000     5.0             4.8           2.8                    5.7                     
  $ 40001 -  45000     5.1             5.4           3.4                    6.3                     
  $ 45001 -  50000     4.1             4.9           3.1                    5.4                     
  $ 50001 -  75000    16.8            26.0          20.9                   24.5                     
  $ 75001 - 100000     7.8            16.8          17.5                   12.3                     
  $100001 - 250000     4.9            16.2          27.8                    7.5                     
  OVER $250,000        0.5             4.8          15.1                    0.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-20,785            $8                   2.16                     
  $     1  -  5000                  $2,755           $17                   0.53                     
  $  5001 -  10000                  $7,424           $91                   1.15                     
  $ 10001 -  15000                 $12,519          $259                   1.78                     
  $ 15001 -  20000                 $17,547          $499                   2.05                     
  $ 20001 -  25000                 $22,503          $754                   2.28                     
  $ 25001 -  30000                 $27,408          $994                   2.56                     
  $ 30001 -  35000                 $32,426        $1,205                   2.89                     
  $ 35001 -  40000                 $37,292        $1,536                   2.92                     
  $ 40001 -  45000                 $42,434        $1,835                   3.20                     
  $ 45001 -  50000                 $47,615        $2,097                   3.42                     
  $ 50001 -  75000                 $61,184        $3,403                   3.77                     
  $ 75001 - 100000                 $84,815        $6,120                   4.06                     
  $100001 - 250000                $131,636       $15,626                   4.00                     
  OVER $250,000                   $409,684       $89,685                   3.20                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,546        $2,733                   2.59                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               24    $-1,308,406            $0      0.00          52                      
  $     1  -  5000      136       $375,582          $339      0.09          87                      
  $  5001 -  10000      145     $1,077,650       $12,514      1.16         168                      
  $ 10001 -  15000      152     $1,908,208       $38,310      2.01         250                      
  $ 15001 -  20000      118     $2,044,397       $44,933      2.20         250                      
  $ 20001 -  25000      100     $2,232,232       $79,873      3.58         220                      
  $ 25001 -  30000       88     $2,406,882       $84,327      3.50         225                      
  $ 30001 -  35000       80     $2,597,233       $79,660      3.07         252                      
  $ 35001 -  40000       68     $2,552,224       $87,168      3.42         226                      
  $ 40001 -  45000       67     $2,839,620      $135,791      4.78         214                      
  $ 45001 -  50000       46     $2,191,689      $129,543      5.91         142                      
  $ 50001 -  75000      160     $9,771,062      $628,831      6.44         588                      
  $ 75001 - 100000       62     $5,188,709      $496,114      9.56         195                      
  OVER $100,000          26     $4,637,982      $747,812     16.12         101                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,272     $38,515,064    $2,565,215      6.66        2,970                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.9            -3.4           0.0                    1.8                     
  $     1  -  5000    10.7             1.0           0.0                    2.9                     
  $  5001 -  10000    11.4             2.8           0.5                    5.7                     
  $ 10001 -  15000    11.9             5.0           1.5                    8.4                     
  $ 15001 -  20000     9.3             5.3           1.8                    8.4                     
  $ 20001 -  25000     7.9             5.8           3.1                    7.4                     
  $ 25001 -  30000     6.9             6.2           3.3                    7.6                     
  $ 30001 -  35000     6.3             6.7           3.1                    8.5                     
  $ 35001 -  40000     5.3             6.6           3.4                    7.6                     
  $ 40001 -  45000     5.3             7.4           5.3                    7.2                     
  $ 45001 -  50000     3.6             5.7           5.0                    4.8                     
  $ 50001 -  75000    12.6            25.4          24.5                   19.8                     
  $ 75001 - 100000     4.9            13.5          19.3                    6.6                     
  OVER $100,000        2.0            12.0          29.2                    3.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-54,517            $0                   2.17                     
  $     1  -  5000                  $2,762            $2                   0.64                     
  $  5001 -  10000                  $7,432           $86                   1.16                     
  $ 10001 -  15000                 $12,554          $252                   1.64                     
  $ 15001 -  20000                 $17,325          $381                   2.12                     
  $ 20001 -  25000                 $22,322          $799                   2.20                     
  $ 25001 -  30000                 $27,351          $958                   2.56                     
  $ 30001 -  35000                 $32,465          $996                   3.15                     
  $ 35001 -  40000                 $37,533        $1,282                   3.32                     
  $ 40001 -  45000                 $42,382        $2,027                   3.19                     
  $ 45001 -  50000                 $47,645        $2,816                   3.09                     
  $ 50001 -  75000                 $61,069        $3,930                   3.68                     
  $ 75001 - 100000                 $83,689        $8,002                   3.15                     
  OVER $100,000                   $178,384       $28,762                   3.88                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,279        $2,017                   2.33                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               17    $-1,015,435            $3     -0.00          27                      
  $     1  -  5000      174       $500,235           $68      0.01         115                      
  $  5001 -  10000      130       $966,425       $12,007      1.24         169                      
  $ 10001 -  15000      103     $1,286,662       $21,381      1.66         231                      
  $ 15001 -  20000       90     $1,555,431       $31,913      2.05         225                      
  $ 20001 -  25000       76     $1,712,369       $37,024      2.16         231                      
  $ 25001 -  30000      104     $2,860,090       $66,525      2.33         357                      
  $ 30001 -  35000       61     $1,977,572       $47,117      2.38         220                      
  $ 35001 -  40000       54     $2,030,131       $76,778      3.78         183                      
  $ 40001 -  45000       55     $2,352,642       $94,374      4.01         205                      
  $ 45001 -  50000       45     $2,130,262      $107,463      5.04         150                      
  $ 50001 -  75000      179    $10,951,088      $626,936      5.72         687                      
  $ 75001 - 100000       67     $5,778,256      $513,927      8.89         255                      
  OVER $100,000          30     $4,322,662      $642,665     14.87         104                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,185     $37,408,390    $2,278,181      6.09        3,159                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.4            -2.7           0.0                    0.9                     
  $     1  -  5000    14.7             1.3           0.0                    3.6                     
  $  5001 -  10000    11.0             2.6           0.5                    5.3                     
  $ 10001 -  15000     8.7             3.4           0.9                    7.3                     
  $ 15001 -  20000     7.6             4.2           1.4                    7.1                     
  $ 20001 -  25000     6.4             4.6           1.6                    7.3                     
  $ 25001 -  30000     8.8             7.6           2.9                   11.3                     
  $ 30001 -  35000     5.1             5.3           2.1                    7.0                     
  $ 35001 -  40000     4.6             5.4           3.4                    5.8                     
  $ 40001 -  45000     4.6             6.3           4.1                    6.5                     
  $ 45001 -  50000     3.8             5.7           4.7                    4.7                     
  $ 50001 -  75000    15.1            29.3          27.5                   21.7                     
  $ 75001 - 100000     5.7            15.4          22.6                    8.1                     
  OVER $100,000        2.5            11.6          28.2                    3.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-59,731            $0                   1.59                     
  $     1  -  5000                  $2,875            $0                   0.66                     
  $  5001 -  10000                  $7,434           $92                   1.30                     
  $ 10001 -  15000                 $12,492          $208                   2.24                     
  $ 15001 -  20000                 $17,283          $355                   2.50                     
  $ 20001 -  25000                 $22,531          $487                   3.04                     
  $ 25001 -  30000                 $27,501          $640                   3.43                     
  $ 30001 -  35000                 $32,419          $772                   3.61                     
  $ 35001 -  40000                 $37,595        $1,422                   3.39                     
  $ 40001 -  45000                 $42,775        $1,716                   3.73                     
  $ 45001 -  50000                 $47,339        $2,388                   3.33                     
  $ 50001 -  75000                 $61,179        $3,502                   3.84                     
  $ 75001 - 100000                 $86,243        $7,671                   3.81                     
  OVER $100,000                   $144,089       $21,422                   3.47                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $31,568        $1,923                   2.67                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               28      $-735,467          $383     -0.05          76                      
  $     1  -  5000      187       $509,047          $631      0.12          81                      
  $  5001 -  10000      164     $1,242,906       $20,489      1.65         151                      
  $ 10001 -  15000      156     $1,935,960       $55,583      2.87         223                      
  $ 15001 -  20000      115     $1,995,860       $66,100      3.31         219                      
  $ 20001 -  25000      101     $2,263,133       $79,716      3.52         214                      
  $ 25001 -  30000       92     $2,523,472      $100,913      4.00         218                      
  $ 30001 -  35000       79     $2,580,240       $91,772      3.56         231                      
  $ 35001 -  40000       68     $2,516,896       $98,504      3.91         206                      
  $ 40001 -  45000       52     $2,203,111       $80,471      3.65         172                      
  $ 45001 -  50000       48     $2,251,723       $96,988      4.31         168                      
  $ 50001 -  75000      250    $15,586,054      $876,331      5.62         939                      
  $ 75001 - 100000      178    $15,387,741    $1,194,257      7.76         667                      
  $100001 - 250000      158    $21,177,791    $2,602,184     12.29         637                      
  OVER $250,000          15     $6,576,038    $1,408,357     21.42          45                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,691     $78,014,505    $6,772,679      8.68        4,247                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.7            -0.9           0.0                    1.8                     
  $     1  -  5000    11.1             0.7           0.0                    1.9                     
  $  5001 -  10000     9.7             1.6           0.3                    3.6                     
  $ 10001 -  15000     9.2             2.5           0.8                    5.3                     
  $ 15001 -  20000     6.8             2.6           1.0                    5.2                     
  $ 20001 -  25000     6.0             2.9           1.2                    5.0                     
  $ 25001 -  30000     5.4             3.2           1.5                    5.1                     
  $ 30001 -  35000     4.7             3.3           1.4                    5.4                     
  $ 35001 -  40000     4.0             3.2           1.5                    4.9                     
  $ 40001 -  45000     3.1             2.8           1.2                    4.0                     
  $ 45001 -  50000     2.8             2.9           1.4                    4.0                     
  $ 50001 -  75000    14.8            20.0          12.9                   22.1                     
  $ 75001 - 100000    10.5            19.7          17.6                   15.7                     
  $100001 - 250000     9.3            27.1          38.4                   15.0                     
  OVER $250,000        0.9             8.4          20.8                    1.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-26,267           $14                   2.71                     
  $     1  -  5000                  $2,722            $3                   0.43                     
  $  5001 -  10000                  $7,579          $125                   0.92                     
  $ 10001 -  15000                 $12,410          $356                   1.43                     
  $ 15001 -  20000                 $17,355          $575                   1.90                     
  $ 20001 -  25000                 $22,407          $789                   2.12                     
  $ 25001 -  30000                 $27,429        $1,097                   2.37                     
  $ 30001 -  35000                 $32,661        $1,162                   2.92                     
  $ 35001 -  40000                 $37,013        $1,449                   3.03                     
  $ 40001 -  45000                 $42,368        $1,548                   3.31                     
  $ 45001 -  50000                 $46,911        $2,021                   3.50                     
  $ 50001 -  75000                 $62,344        $3,505                   3.76                     
  $ 75001 - 100000                 $86,448        $6,709                   3.75                     
  $100001 - 250000                $134,037       $16,470                   4.03                     
  OVER $250,000                   $438,403       $93,890                   3.00                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $46,135        $4,005                   2.51                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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              187    $-7,824,826        $6,660     -0.09         319                      
  $     1  -  5000    1,823     $4,785,087       $23,881      0.50         914                      
  $  5001 -  10000    1,612    $11,943,434      $173,410      1.45       1,511                      
  $ 10001 -  15000    1,441    $17,982,170      $423,925      2.36       2,068                      
  $ 15001 -  20000    1,282    $22,414,519      $701,717      3.13       2,141                      
  $ 20001 -  25000    1,229    $27,595,135    $1,094,771      3.97       2,340                      
  $ 25001 -  30000      994    $27,305,425    $1,278,001      4.68       1,998                      
  $ 30001 -  35000      949    $30,717,817    $1,599,923      5.21       2,024                      
  $ 35001 -  40000      877    $32,886,846    $1,758,998      5.35       2,094                      
  $ 40001 -  45000      773    $32,805,046    $2,008,280      6.12       1,869                      
  $ 45001 -  50000      708    $33,655,253    $2,118,604      6.30       1,919                      
  $ 50001 -  75000    2,561   $157,504,074   $11,381,577      7.23       7,571                      
  $ 75001 - 100000    1,458   $125,761,574   $10,784,451      8.58       4,819                      
  $100001 - 250000    1,477   $204,701,297   $26,768,893     13.08       5,084                      
  OVER $250,000         246   $187,615,814   $82,933,745     44.20         863                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             17,617    $909,848,665  $143,056,836     15.72       37,534                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -0.9           0.0                    0.8                     
  $     1  -  5000    10.3             0.5           0.0                    2.4                     
  $  5001 -  10000     9.2             1.3           0.1                    4.0                     
  $ 10001 -  15000     8.2             2.0           0.3                    5.5                     
  $ 15001 -  20000     7.3             2.5           0.5                    5.7                     
  $ 20001 -  25000     7.0             3.0           0.8                    6.2                     
  $ 25001 -  30000     5.6             3.0           0.9                    5.3                     
  $ 30001 -  35000     5.4             3.4           1.1                    5.4                     
  $ 35001 -  40000     5.0             3.6           1.2                    5.6                     
  $ 40001 -  45000     4.4             3.6           1.4                    5.0                     
  $ 45001 -  50000     4.0             3.7           1.5                    5.1                     
  $ 50001 -  75000    14.5            17.3           8.0                   20.2                     
  $ 75001 - 100000     8.3            13.8           7.5                   12.8                     
  $100001 - 250000     8.4            22.5          18.7                   13.5                     
  OVER $250,000        1.4            20.6          58.0                    2.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-41,844           $36                   1.71                     
  $     1  -  5000                  $2,625           $13                   0.50                     
  $  5001 -  10000                  $7,409          $108                   0.94                     
  $ 10001 -  15000                 $12,479          $294                   1.44                     
  $ 15001 -  20000                 $17,484          $547                   1.67                     
  $ 20001 -  25000                 $22,453          $891                   1.90                     
  $ 25001 -  30000                 $27,470        $1,286                   2.01                     
  $ 30001 -  35000                 $32,369        $1,686                   2.13                     
  $ 35001 -  40000                 $37,499        $2,006                   2.39                     
  $ 40001 -  45000                 $42,439        $2,598                   2.42                     
  $ 45001 -  50000                 $47,536        $2,992                   2.71                     
  $ 50001 -  75000                 $61,501        $4,444                   2.96                     
  $ 75001 - 100000                 $86,256        $7,397                   3.31                     
  $100001 - 250000                $138,593       $18,124                   3.44                     
  OVER $250,000                   $762,666      $337,129                   3.51                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $51,646        $8,120                   2.13                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                      
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               51    $-2,198,547            $9     -0.00         116                      
  $     1  -  5000      812     $2,228,261        $7,718      0.35         431                      
  $  5001 -  10000      727     $5,432,478       $77,947      1.43         775                      
  $ 10001 -  15000      659     $8,184,923      $185,367      2.26         985                      
  $ 15001 -  20000      622    $10,933,008      $294,061      2.69       1,199                      
  $ 20001 -  25000      564    $12,675,477      $451,415      3.56       1,258                      
  $ 25001 -  30000      533    $14,693,694      $665,073      4.53       1,184                      
  $ 30001 -  35000      450    $14,616,691      $765,072      5.23       1,044                      
  $ 35001 -  40000      408    $15,303,689      $749,670      4.90       1,130                      
  $ 40001 -  45000      378    $16,036,293      $844,768      5.27       1,123                      
  $ 45001 -  50000      299    $14,219,479      $797,597      5.61         968                      
  $ 50001 -  75000    1,186    $72,636,437    $5,000,472      6.88       4,063                      
  $ 75001 - 100000      602    $51,099,663    $4,579,159      8.96       2,127                      
  $100001 - 250000      262    $33,227,032    $4,307,746     12.96         883                      
  OVER $250,000          19     $6,772,103    $1,501,927     22.18          70                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              7,572    $275,860,681   $20,228,001      7.33       17,356                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.7            -0.8           0.0                    0.7                     
  $     1  -  5000    10.7             0.8           0.0                    2.5                     
  $  5001 -  10000     9.6             2.0           0.4                    4.5                     
  $ 10001 -  15000     8.7             3.0           0.9                    5.7                     
  $ 15001 -  20000     8.2             4.0           1.5                    6.9                     
  $ 20001 -  25000     7.4             4.6           2.2                    7.2                     
  $ 25001 -  30000     7.0             5.3           3.3                    6.8                     
  $ 30001 -  35000     5.9             5.3           3.8                    6.0                     
  $ 35001 -  40000     5.4             5.5           3.7                    6.5                     
  $ 40001 -  45000     5.0             5.8           4.2                    6.5                     
  $ 45001 -  50000     3.9             5.2           3.9                    5.6                     
  $ 50001 -  75000    15.7            26.3          24.7                   23.4                     
  $ 75001 - 100000     8.0            18.5          22.6                   12.3                     
  $100001 - 250000     3.5            12.0          21.3                    5.1                     
  OVER $250,000        0.3             2.5           7.4                    0.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-43,109            $0                   2.27                     
  $     1  -  5000                  $2,744           $10                   0.53                     
  $  5001 -  10000                  $7,472          $107                   1.07                     
  $ 10001 -  15000                 $12,420          $281                   1.49                     
  $ 15001 -  20000                 $17,577          $473                   1.93                     
  $ 20001 -  25000                 $22,474          $800                   2.23                     
  $ 25001 -  30000                 $27,568        $1,248                   2.22                     
  $ 30001 -  35000                 $32,482        $1,700                   2.32                     
  $ 35001 -  40000                 $37,509        $1,837                   2.77                     
  $ 40001 -  45000                 $42,424        $2,235                   2.97                     
  $ 45001 -  50000                 $47,557        $2,668                   3.24                     
  $ 50001 -  75000                 $61,245        $4,216                   3.43                     
  $ 75001 - 100000                 $84,883        $7,607                   3.53                     
  $100001 - 250000                $126,821       $16,442                   3.37                     
  OVER $250,000                   $356,426       $79,049                   3.68                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $36,432        $2,671                   2.29                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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              100   $-17,989,146        $1,750     -0.01         170                      
  $     1  -  5000    1,176     $3,248,603        $5,831      0.18         881                      
  $  5001 -  10000    1,283     $9,434,877      $103,840      1.10       1,532                      
  $ 10001 -  15000    1,091    $13,518,011      $261,421      1.93       1,985                      
  $ 15001 -  20000      885    $15,430,252      $387,941      2.51       1,835                      
  $ 20001 -  25000      780    $17,526,830      $549,052      3.13       1,807                      
  $ 25001 -  30000      618    $16,973,326      $589,492      3.47       1,606                      
  $ 30001 -  35000      567    $18,367,312      $731,581      3.98       1,520                      
  $ 35001 -  40000      484    $18,181,477      $767,471      4.22       1,450                      
  $ 40001 -  45000      403    $17,080,797      $773,532      4.53       1,323                      
  $ 45001 -  50000      340    $16,154,073      $794,821      4.92       1,123                      
  $ 50001 -  75000    1,266    $76,875,557    $5,085,036      6.61       4,271                      
  $ 75001 - 100000      536    $45,543,840    $4,083,687      8.97       1,680                      
  $100001 - 250000      312    $40,906,999    $5,293,001     12.94       1,047                      
  OVER $250,000          28    $11,727,134    $2,649,662     22.59         108                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              9,869    $302,979,942   $22,078,118      7.29       22,338                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.0            -5.9           0.0                    0.8                     
  $     1  -  5000    11.9             1.1           0.0                    3.9                     
  $  5001 -  10000    13.0             3.1           0.5                    6.9                     
  $ 10001 -  15000    11.1             4.5           1.2                    8.9                     
  $ 15001 -  20000     9.0             5.1           1.8                    8.2                     
  $ 20001 -  25000     7.9             5.8           2.5                    8.1                     
  $ 25001 -  30000     6.3             5.6           2.7                    7.2                     
  $ 30001 -  35000     5.7             6.1           3.3                    6.8                     
  $ 35001 -  40000     4.9             6.0           3.5                    6.5                     
  $ 40001 -  45000     4.1             5.6           3.5                    5.9                     
  $ 45001 -  50000     3.4             5.3           3.6                    5.0                     
  $ 50001 -  75000    12.8            25.4          23.0                   19.1                     
  $ 75001 - 100000     5.4            15.0          18.5                    7.5                     
  $100001 - 250000     3.2            13.5          24.0                    4.7                     
  OVER $250,000        0.3             3.9          12.0                    0.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-179891           $18                   1.70                     
  $     1  -  5000                  $2,762            $5                   0.75                     
  $  5001 -  10000                  $7,354           $81                   1.19                     
  $ 10001 -  15000                 $12,390          $240                   1.82                     
  $ 15001 -  20000                 $17,435          $438                   2.07                     
  $ 20001 -  25000                 $22,470          $704                   2.32                     
  $ 25001 -  30000                 $27,465          $954                   2.60                     
  $ 30001 -  35000                 $32,394        $1,290                   2.68                     
  $ 35001 -  40000                 $37,565        $1,586                   3.00                     
  $ 40001 -  45000                 $42,384        $1,919                   3.28                     
  $ 45001 -  50000                 $47,512        $2,338                   3.30                     
  $ 50001 -  75000                 $60,723        $4,017                   3.37                     
  $ 75001 - 100000                 $84,970        $7,619                   3.13                     
  $100001 - 250000                $131,112       $16,965                   3.36                     
  OVER $250,000                   $418,826       $94,631                   3.86                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,700        $2,237                   2.26                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               21    $-1,736,536           $77     -0.00          82                      
  $     1  -  5000      181       $463,748        $5,058      1.09          61                      
  $  5001 -  10000      120       $874,019       $17,051      1.95         102                      
  $ 10001 -  15000       97     $1,239,039       $34,603      2.79         164                      
  $ 15001 -  20000       85     $1,469,324       $46,073      3.14         168                      
  $ 20001 -  25000       64     $1,402,984       $35,624      2.54         163                      
  $ 25001 -  30000       45     $1,237,407       $52,135      4.21         129                      
  $ 30001 -  35000       41     $1,328,044       $69,725      5.25         102                      
  $ 35001 -  40000       47     $1,783,542       $56,743      3.18         157                      
  $ 40001 -  45000       54     $2,281,470       $75,374      3.30         182                      
  $ 45001 -  50000       64     $3,033,969       $96,371      3.18         249                      
  $ 50001 -  75000      317    $19,874,617      $798,696      4.02       1,379                      
  $ 75001 - 100000      247    $21,417,596    $1,266,192      5.91       1,117                      
  $100001 - 250000      195    $25,446,173    $2,599,105     10.21         876                      
  OVER $250,000          18     $8,613,980    $1,893,009     21.98          79                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,596     $88,729,376    $7,045,836      7.94        5,010                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.3            -2.0           0.0                    1.6                     
  $     1  -  5000    11.3             0.5           0.1                    1.2                     
  $  5001 -  10000     7.5             1.0           0.2                    2.0                     
  $ 10001 -  15000     6.1             1.4           0.5                    3.3                     
  $ 15001 -  20000     5.3             1.7           0.7                    3.4                     
  $ 20001 -  25000     4.0             1.6           0.5                    3.3                     
  $ 25001 -  30000     2.8             1.4           0.7                    2.6                     
  $ 30001 -  35000     2.6             1.5           1.0                    2.0                     
  $ 35001 -  40000     2.9             2.0           0.8                    3.1                     
  $ 40001 -  45000     3.4             2.6           1.1                    3.6                     
  $ 45001 -  50000     4.0             3.4           1.4                    5.0                     
  $ 50001 -  75000    19.9            22.4          11.3                   27.5                     
  $ 75001 - 100000    15.5            24.1          18.0                   22.3                     
  $100001 - 250000    12.2            28.7          36.9                   17.5                     
  OVER $250,000        1.1             9.7          26.9                    1.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-82,692            $4                   3.90                     
  $     1  -  5000                  $2,562           $28                   0.34                     
  $  5001 -  10000                  $7,283          $142                   0.85                     
  $ 10001 -  15000                 $12,774          $357                   1.69                     
  $ 15001 -  20000                 $17,286          $542                   1.98                     
  $ 20001 -  25000                 $21,922          $557                   2.55                     
  $ 25001 -  30000                 $27,498        $1,159                   2.87                     
  $ 30001 -  35000                 $32,391        $1,701                   2.49                     
  $ 35001 -  40000                 $37,948        $1,207                   3.34                     
  $ 40001 -  45000                 $42,249        $1,396                   3.37                     
  $ 45001 -  50000                 $47,406        $1,506                   3.89                     
  $ 50001 -  75000                 $62,696        $2,520                   4.35                     
  $ 75001 - 100000                 $86,711        $5,126                   4.52                     
  $100001 - 250000                $130,493       $13,329                   4.49                     
  OVER $250,000                   $478,554      $105,167                   4.39                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $55,595        $4,415                   3.14                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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      $-747,438        $1,102     -0.15          46                      
  $     1  -  5000      816     $2,063,621       $11,312      0.55         260                      
  $  5001 -  10000      614     $4,546,675       $87,108      1.92         422                      
  $ 10001 -  15000      474     $5,864,174      $179,198      3.06         532                      
  $ 15001 -  20000      402     $7,012,672      $248,747      3.55         625                      
  $ 20001 -  25000      333     $7,443,529      $335,494      4.51         540                      
  $ 25001 -  30000      265     $7,314,773      $363,852      4.97         525                      
  $ 30001 -  35000      277     $8,948,974      $480,991      5.37         600                      
  $ 35001 -  40000      224     $8,414,279      $419,791      4.99         560                      
  $ 40001 -  45000      220     $9,369,927      $550,737      5.88         557                      
  $ 45001 -  50000      203     $9,639,224      $629,835      6.53         529                      
  $ 50001 -  75000      945    $58,893,869    $3,761,315      6.39       3,182                      
  $ 75001 - 100000      707    $60,788,820    $4,852,083      7.98       2,626                      
  $100001 - 250000      653    $86,789,405   $10,791,289     12.43       2,473                      
  OVER $250,000          73    $37,464,082    $8,582,652     22.91         290                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              6,240    $313,806,586   $31,295,506      9.97       13,767                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.5            -0.2           0.0                    0.3                     
  $     1  -  5000    13.1             0.7           0.0                    1.9                     
  $  5001 -  10000     9.8             1.4           0.3                    3.1                     
  $ 10001 -  15000     7.6             1.9           0.6                    3.9                     
  $ 15001 -  20000     6.4             2.2           0.8                    4.5                     
  $ 20001 -  25000     5.3             2.4           1.1                    3.9                     
  $ 25001 -  30000     4.2             2.3           1.2                    3.8                     
  $ 30001 -  35000     4.4             2.9           1.5                    4.4                     
  $ 35001 -  40000     3.6             2.7           1.3                    4.1                     
  $ 40001 -  45000     3.5             3.0           1.8                    4.0                     
  $ 45001 -  50000     3.3             3.1           2.0                    3.8                     
  $ 50001 -  75000    15.1            18.8          12.0                   23.1                     
  $ 75001 - 100000    11.3            19.4          15.5                   19.1                     
  $100001 - 250000    10.5            27.7          34.5                   18.0                     
  OVER $250,000        1.2            11.9          27.4                    2.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-21,983           $32                   1.35                     
  $     1  -  5000                  $2,529           $14                   0.32                     
  $  5001 -  10000                  $7,405          $142                   0.69                     
  $ 10001 -  15000                 $12,372          $378                   1.12                     
  $ 15001 -  20000                 $17,444          $619                   1.55                     
  $ 20001 -  25000                 $22,353        $1,007                   1.62                     
  $ 25001 -  30000                 $27,603        $1,373                   1.98                     
  $ 30001 -  35000                 $32,307        $1,736                   2.17                     
  $ 35001 -  40000                 $37,564        $1,874                   2.50                     
  $ 40001 -  45000                 $42,591        $2,503                   2.53                     
  $ 45001 -  50000                 $47,484        $3,103                   2.61                     
  $ 50001 -  75000                 $62,322        $3,980                   3.37                     
  $ 75001 - 100000                 $85,981        $6,863                   3.71                     
  $100001 - 250000                $132,909       $16,526                   3.79                     
  OVER $250,000                   $513,207      $117,571                   3.97                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $50,290        $5,015                   2.21                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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      $-748,239           $42     -0.01          65                      
  $     1  -  5000      827     $2,253,740        $2,617      0.12         713                      
  $  5001 -  10000      900     $6,732,933       $65,237      0.97       1,207                      
  $ 10001 -  15000      989    $12,307,286      $261,708      2.13       1,681                      
  $ 15001 -  20000    1,103    $19,314,607      $641,330      3.32       1,989                      
  $ 20001 -  25000    1,026    $23,009,183      $871,963      3.79       2,182                      
  $ 25001 -  30000      857    $23,513,264    $1,069,729      4.55       1,926                      
  $ 30001 -  35000      732    $23,734,141    $1,102,692      4.65       1,835                      
  $ 35001 -  40000      693    $25,913,116    $1,305,348      5.04       1,862                      
  $ 40001 -  45000      664    $28,191,683    $1,578,482      5.60       1,855                      
  $ 45001 -  50000      540    $25,661,473    $1,552,175      6.05       1,570                      
  $ 50001 -  75000    1,808   $109,671,168    $7,923,767      7.23       5,744                      
  $ 75001 - 100000      596    $50,565,086    $4,786,472      9.47       1,890                      
  OVER $100,000         220    $28,282,447    $3,945,111     13.95         650                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             10,991    $378,401,888   $25,106,673      6.63       25,169                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.3            -0.2           0.0                    0.3                     
  $     1  -  5000     7.5             0.6           0.0                    2.8                     
  $  5001 -  10000     8.2             1.8           0.3                    4.8                     
  $ 10001 -  15000     9.0             3.3           1.0                    6.7                     
  $ 15001 -  20000    10.0             5.1           2.6                    7.9                     
  $ 20001 -  25000     9.3             6.1           3.5                    8.7                     
  $ 25001 -  30000     7.8             6.2           4.3                    7.7                     
  $ 30001 -  35000     6.7             6.3           4.4                    7.3                     
  $ 35001 -  40000     6.3             6.8           5.2                    7.4                     
  $ 40001 -  45000     6.0             7.5           6.3                    7.4                     
  $ 45001 -  50000     4.9             6.8           6.2                    6.2                     
  $ 50001 -  75000    16.4            29.0          31.6                   22.8                     
  $ 75001 - 100000     5.4            13.4          19.1                    7.5                     
  OVER $100,000        2.0             7.5          15.7                    2.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-20,784            $1                   1.81                     
  $     1  -  5000                  $2,725            $3                   0.86                     
  $  5001 -  10000                  $7,481           $72                   1.34                     
  $ 10001 -  15000                 $12,444          $265                   1.70                     
  $ 15001 -  20000                 $17,511          $581                   1.80                     
  $ 20001 -  25000                 $22,426          $850                   2.13                     
  $ 25001 -  30000                 $27,437        $1,248                   2.25                     
  $ 30001 -  35000                 $32,424        $1,506                   2.51                     
  $ 35001 -  40000                 $37,393        $1,884                   2.69                     
  $ 40001 -  45000                 $42,457        $2,377                   2.79                     
  $ 45001 -  50000                 $47,521        $2,874                   2.91                     
  $ 50001 -  75000                 $60,659        $4,383                   3.18                     
  $ 75001 - 100000                 $84,841        $8,031                   3.17                     
  OVER $100,000                   $128,557       $17,932                   2.95                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $34,428        $2,284                   2.29                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               17      $-152,891          $988     -0.65          43                      
  $     1  -  5000      431     $1,107,219        $1,469      0.13         180                      
  $  5001 -  10000      379     $2,842,885       $50,309      1.77         317                      
  $ 10001 -  15000      297     $3,671,999      $110,003      3.00         382                      
  $ 15001 -  20000      327     $5,707,291      $196,450      3.44         568                      
  $ 20001 -  25000      284     $6,409,521      $249,593      3.89         587                      
  $ 25001 -  30000      317     $8,743,652      $368,685      4.22         728                      
  $ 30001 -  35000      329    $10,720,548      $422,373      3.94         908                      
  $ 35001 -  40000      331    $12,405,120      $500,351      4.03         980                      
  $ 40001 -  45000      308    $13,097,107      $578,655      4.42         974                      
  $ 45001 -  50000      326    $15,492,893      $761,793      4.92       1,054                      
  $ 50001 -  75000    1,251    $76,534,288    $4,924,984      6.44       4,318                      
  $ 75001 - 100000      525    $44,960,669    $4,036,524      8.98       1,807                      
  OVER $100,000         193    $27,662,207    $3,783,125     13.68         652                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              5,315    $229,202,508   $15,985,302      6.97       13,498                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.3            -0.1           0.0                    0.3                     
  $     1  -  5000     8.1             0.5           0.0                    1.3                     
  $  5001 -  10000     7.1             1.2           0.3                    2.3                     
  $ 10001 -  15000     5.6             1.6           0.7                    2.8                     
  $ 15001 -  20000     6.2             2.5           1.2                    4.2                     
  $ 20001 -  25000     5.3             2.8           1.6                    4.3                     
  $ 25001 -  30000     6.0             3.8           2.3                    5.4                     
  $ 30001 -  35000     6.2             4.7           2.6                    6.7                     
  $ 35001 -  40000     6.2             5.4           3.1                    7.3                     
  $ 40001 -  45000     5.8             5.7           3.6                    7.2                     
  $ 45001 -  50000     6.1             6.8           4.8                    7.8                     
  $ 50001 -  75000    23.5            33.4          30.8                   32.0                     
  $ 75001 - 100000     9.9            19.6          25.3                   13.4                     
  OVER $100,000        3.6            12.1          23.7                    4.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                         $-8,994           $58                   2.53                     
  $     1  -  5000                  $2,569            $3                   0.42                     
  $  5001 -  10000                  $7,501          $133                   0.84                     
  $ 10001 -  15000                 $12,364          $370                   1.29                     
  $ 15001 -  20000                 $17,453          $601                   1.74                     
  $ 20001 -  25000                 $22,569          $879                   2.07                     
  $ 25001 -  30000                 $27,582        $1,163                   2.30                     
  $ 30001 -  35000                 $32,585        $1,284                   2.76                     
  $ 35001 -  40000                 $37,478        $1,512                   2.96                     
  $ 40001 -  45000                 $42,523        $1,879                   3.16                     
  $ 45001 -  50000                 $47,524        $2,337                   3.23                     
  $ 50001 -  75000                 $61,178        $3,937                   3.45                     
  $ 75001 - 100000                 $85,639        $7,689                   3.44                     
  OVER $100,000                   $143,327       $19,602                   3.38                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $43,124        $3,008                   2.54                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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      $-604,206            $0      0.00          38                      
  $     1  -  5000       87       $242,446          $103      0.04          42                      
  $  5001 -  10000       89       $653,514        $9,597      1.47          77                      
  $ 10001 -  15000       82     $1,017,355       $22,160      2.18         128                      
  $ 15001 -  20000       71     $1,230,549       $33,242      2.70         135                      
  $ 20001 -  25000       69     $1,538,673       $50,932      3.31         147                      
  $ 25001 -  30000       79     $2,171,516       $91,234      4.20         187                      
  $ 30001 -  35000       56     $1,823,196       $79,032      4.33         150                      
  $ 35001 -  40000       64     $2,413,654       $90,833      3.76         188                      
  $ 40001 -  45000       56     $2,389,219      $108,939      4.56         171                      
  $ 45001 -  50000       56     $2,649,052      $138,699      5.24         170                      
  $ 50001 -  75000      178    $10,810,328      $734,192      6.79         584                      
  $ 75001 - 100000       84     $7,138,421      $601,064      8.42         308                      
  OVER $100,000          54    $10,324,483    $1,808,788     17.52         183                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,045     $43,798,200    $3,768,815      8.60        2,508                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.9            -1.4           0.0                    1.5                     
  $     1  -  5000     8.3             0.6           0.0                    1.7                     
  $  5001 -  10000     8.5             1.5           0.3                    3.1                     
  $ 10001 -  15000     7.8             2.3           0.6                    5.1                     
  $ 15001 -  20000     6.8             2.8           0.9                    5.4                     
  $ 20001 -  25000     6.6             3.5           1.4                    5.9                     
  $ 25001 -  30000     7.6             5.0           2.4                    7.5                     
  $ 30001 -  35000     5.4             4.2           2.1                    6.0                     
  $ 35001 -  40000     6.1             5.5           2.4                    7.5                     
  $ 40001 -  45000     5.4             5.5           2.9                    6.8                     
  $ 45001 -  50000     5.4             6.0           3.7                    6.8                     
  $ 50001 -  75000    17.0            24.7          19.5                   23.3                     
  $ 75001 - 100000     8.0            16.3          15.9                   12.3                     
  OVER $100,000        5.2            23.6          48.0                    7.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-30,210            $0                   1.90                     
  $     1  -  5000                  $2,787            $1                   0.48                     
  $  5001 -  10000                  $7,343          $108                   0.87                     
  $ 10001 -  15000                 $12,407          $270                   1.56                     
  $ 15001 -  20000                 $17,332          $468                   1.90                     
  $ 20001 -  25000                 $22,300          $738                   2.13                     
  $ 25001 -  30000                 $27,488        $1,155                   2.37                     
  $ 30001 -  35000                 $32,557        $1,411                   2.68                     
  $ 35001 -  40000                 $37,713        $1,419                   2.94                     
  $ 40001 -  45000                 $42,665        $1,945                   3.05                     
  $ 45001 -  50000                 $47,305        $2,477                   3.04                     
  $ 50001 -  75000                 $60,732        $4,125                   3.28                     
  $ 75001 - 100000                 $84,981        $7,156                   3.67                     
  OVER $100,000                   $191,194       $33,496                   3.39                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $41,912        $3,607                   2.40                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               59    $-7,897,128            $0      0.00         131                      
  $     1  -  5000      221       $619,702       $14,097      2.27         149                      
  $  5001 -  10000      210     $1,557,088       $16,988      1.09         270                      
  $ 10001 -  15000      169     $2,115,640       $42,387      2.00         288                      
  $ 15001 -  20000      157     $2,755,117       $64,045      2.32         367                      
  $ 20001 -  25000      122     $2,726,022       $72,998      2.68         338                      
  $ 25001 -  30000       95     $2,603,225       $61,349      2.36         299                      
  $ 30001 -  35000       91     $2,945,055      $104,817      3.56         283                      
  $ 35001 -  40000       68     $2,543,590       $98,746      3.88         213                      
  $ 40001 -  45000       64     $2,725,420      $108,008      3.96         238                      
  $ 45001 -  50000       81     $3,844,531      $215,797      5.61         253                      
  $ 50001 -  75000      302    $18,752,073    $1,216,243      6.49       1,137                      
  $ 75001 - 100000      127    $10,776,330      $905,510      8.40         504                      
  OVER $100,000          64     $8,167,399    $1,088,243     13.32         253                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,830     $54,234,064    $4,009,228      7.39        4,723                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             3.2           -14.6           0.0                    2.8                     
  $     1  -  5000    12.1             1.1           0.4                    3.2                     
  $  5001 -  10000    11.5             2.9           0.4                    5.7                     
  $ 10001 -  15000     9.2             3.9           1.1                    6.1                     
  $ 15001 -  20000     8.6             5.1           1.6                    7.8                     
  $ 20001 -  25000     6.7             5.0           1.8                    7.2                     
  $ 25001 -  30000     5.2             4.8           1.5                    6.3                     
  $ 30001 -  35000     5.0             5.4           2.6                    6.0                     
  $ 35001 -  40000     3.7             4.7           2.5                    4.5                     
  $ 40001 -  45000     3.5             5.0           2.7                    5.0                     
  $ 45001 -  50000     4.4             7.1           5.4                    5.4                     
  $ 50001 -  75000    16.5            34.6          30.3                   24.1                     
  $ 75001 - 100000     6.9            19.9          22.6                   10.7                     
  OVER $100,000        3.5            15.1          27.1                    5.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-133850            $0                   2.22                     
  $     1  -  5000                  $2,804           $64                   0.67                     
  $  5001 -  10000                  $7,415           $81                   1.29                     
  $ 10001 -  15000                 $12,519          $251                   1.70                     
  $ 15001 -  20000                 $17,549          $408                   2.34                     
  $ 20001 -  25000                 $22,344          $598                   2.77                     
  $ 25001 -  30000                 $27,402          $646                   3.15                     
  $ 30001 -  35000                 $32,363        $1,152                   3.11                     
  $ 35001 -  40000                 $37,406        $1,452                   3.13                     
  $ 40001 -  45000                 $42,585        $1,688                   3.72                     
  $ 45001 -  50000                 $47,463        $2,664                   3.12                     
  $ 50001 -  75000                 $62,093        $4,027                   3.76                     
  $ 75001 - 100000                 $84,853        $7,130                   3.97                     
  OVER $100,000                   $127,616       $17,004                   3.95                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $29,636        $2,191                   2.58                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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              145    $-4,589,613        $8,510     -0.19         324                      
  $     1  -  5000      845     $2,171,303       $10,649      0.49         386                      
  $  5001 -  10000      713     $5,261,755       $96,858      1.84         613                      
  $ 10001 -  15000      602     $7,500,503      $198,155      2.64         855                      
  $ 15001 -  20000      521     $9,136,927      $329,646      3.61         819                      
  $ 20001 -  25000      485    $10,904,181      $494,532      4.54         865                      
  $ 25001 -  30000      438    $12,089,301      $528,747      4.37         906                      
  $ 30001 -  35000      404    $13,079,335      $718,550      5.49         831                      
  $ 35001 -  40000      384    $14,344,723      $712,771      4.97         938                      
  $ 40001 -  45000      372    $15,801,128      $846,983      5.36         954                      
  $ 45001 -  50000      313    $14,834,458      $805,568      5.43         876                      
  $ 50001 -  75000    1,594    $99,240,720    $6,376,267      6.43       4,964                      
  $ 75001 - 100000    1,248   $107,976,517    $8,561,036      7.93       4,268                      
  $100001 - 250000    1,708   $239,941,077   $30,490,035     12.71       6,290                      
  OVER $250,000         219   $115,220,604   $26,166,488     22.71         813                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              9,991    $662,912,919   $76,344,795     11.52       24,702                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.5            -0.7           0.0                    1.3                     
  $     1  -  5000     8.5             0.3           0.0                    1.6                     
  $  5001 -  10000     7.1             0.8           0.1                    2.5                     
  $ 10001 -  15000     6.0             1.1           0.3                    3.5                     
  $ 15001 -  20000     5.2             1.4           0.4                    3.3                     
  $ 20001 -  25000     4.9             1.6           0.6                    3.5                     
  $ 25001 -  30000     4.4             1.8           0.7                    3.7                     
  $ 30001 -  35000     4.0             2.0           0.9                    3.4                     
  $ 35001 -  40000     3.8             2.2           0.9                    3.8                     
  $ 40001 -  45000     3.7             2.4           1.1                    3.9                     
  $ 45001 -  50000     3.1             2.2           1.1                    3.5                     
  $ 50001 -  75000    16.0            15.0           8.4                   20.1                     
  $ 75001 - 100000    12.5            16.3          11.2                   17.3                     
  $100001 - 250000    17.1            36.2          39.9                   25.5                     
  OVER $250,000        2.2            17.4          34.3                    3.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-31,653           $59                   2.23                     
  $     1  -  5000                  $2,570           $13                   0.46                     
  $  5001 -  10000                  $7,380          $136                   0.86                     
  $ 10001 -  15000                 $12,459          $329                   1.42                     
  $ 15001 -  20000                 $17,537          $633                   1.57                     
  $ 20001 -  25000                 $22,483        $1,020                   1.78                     
  $ 25001 -  30000                 $27,601        $1,207                   2.07                     
  $ 30001 -  35000                 $32,375        $1,779                   2.06                     
  $ 35001 -  40000                 $37,356        $1,856                   2.44                     
  $ 40001 -  45000                 $42,476        $2,277                   2.56                     
  $ 45001 -  50000                 $47,394        $2,574                   2.80                     
  $ 50001 -  75000                 $62,259        $4,000                   3.11                     
  $ 75001 - 100000                 $86,520        $6,860                   3.42                     
  $100001 - 250000                $140,481       $17,851                   3.68                     
  OVER $250,000                   $526,121      $119,482                   3.71                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $66,351        $7,641                   2.47                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               25      $-802,186           $37     -0.00          49                      
  $     1  -  5000       99       $256,969          $208      0.08          99                      
  $  5001 -  10000       85       $631,838        $5,988      0.95         126                      
  $ 10001 -  15000       97     $1,205,484       $13,041      1.08         191                      
  $ 15001 -  20000       82     $1,428,058       $36,842      2.58         180                      
  $ 20001 -  25000       67     $1,522,442       $46,000      3.02         165                      
  $ 25001 -  30000       54     $1,469,830       $60,024      4.08         140                      
  $ 30001 -  35000       50     $1,614,608       $68,893      4.27         137                      
  $ 35001 -  40000       47     $1,768,717       $65,770      3.72         162                      
  $ 40001 -  45000       62     $2,631,386      $127,161      4.83         203                      
  $ 45001 -  50000       43     $2,030,317      $101,574      5.00         153                      
  $ 50001 -  75000      117     $6,954,961      $487,104      7.00         391                      
  $ 75001 - 100000       33     $2,782,655      $256,018      9.20         111                      
  $100001 - 250000       11     $1,351,520      $179,265     13.26          34                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                872     $24,846,599    $1,447,925      5.83        2,141                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             2.9            -3.2           0.0                    2.3                     
  $     1  -  5000    11.4             1.0           0.0                    4.6                     
  $  5001 -  10000     9.7             2.5           0.4                    5.9                     
  $ 10001 -  15000    11.1             4.9           0.9                    8.9                     
  $ 15001 -  20000     9.4             5.7           2.5                    8.4                     
  $ 20001 -  25000     7.7             6.1           3.2                    7.7                     
  $ 25001 -  30000     6.2             5.9           4.1                    6.5                     
  $ 30001 -  35000     5.7             6.5           4.8                    6.4                     
  $ 35001 -  40000     5.4             7.1           4.5                    7.6                     
  $ 40001 -  45000     7.1            10.6           8.8                    9.5                     
  $ 45001 -  50000     4.9             8.2           7.0                    7.1                     
  $ 50001 -  75000    13.4            28.0          33.6                   18.3                     
  $ 75001 - 100000     3.8            11.2          17.7                    5.2                     
  $100001 - 250000     1.3             5.4          12.4                    1.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-32,087            $1                   1.96                     
  $     1  -  5000                  $2,596            $2                   1.00                     
  $  5001 -  10000                  $7,433           $70                   1.48                     
  $ 10001 -  15000                 $12,428          $134                   1.97                     
  $ 15001 -  20000                 $17,415          $449                   2.20                     
  $ 20001 -  25000                 $22,723          $687                   2.46                     
  $ 25001 -  30000                 $27,219        $1,112                   2.59                     
  $ 30001 -  35000                 $32,292        $1,378                   2.74                     
  $ 35001 -  40000                 $37,632        $1,399                   3.45                     
  $ 40001 -  45000                 $42,442        $2,051                   3.27                     
  $ 45001 -  50000                 $47,217        $2,362                   3.56                     
  $ 50001 -  75000                 $59,444        $4,163                   3.34                     
  $ 75001 - 100000                 $84,323        $7,758                   3.36                     
  $100001 - 250000                $122,865       $16,297                   3.09                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $28,494        $1,660                   2.46                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                    
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               21      $-318,029           $46     -0.01          57                      
  $     1  -  5000       96       $257,694          $786      0.31          69                      
  $  5001 -  10000       95       $699,291        $9,040      1.29         143                      
  $ 10001 -  15000       96     $1,214,465       $17,257      1.42         243                      
  $ 15001 -  20000      117     $2,035,516       $44,399      2.18         291                      
  $ 20001 -  25000      118     $2,705,846       $55,669      2.06         361                      
  $ 25001 -  30000      142     $3,925,946       $83,649      2.13         425                      
  $ 30001 -  35000      135     $4,374,630      $105,960      2.42         432                      
  $ 35001 -  40000      191     $7,169,301      $157,652      2.20         683                      
  $ 40001 -  45000      200     $8,485,970      $234,500      2.76         734                      
  $ 45001 -  50000      151     $7,165,153      $201,776      2.82         599                      
  $ 50001 -  75000      518    $31,475,730    $1,504,400      4.78       2,024                      
  $ 75001 - 100000      138    $11,715,436      $785,436      6.70         562                      
  OVER $100,000          70    $10,321,100    $1,335,612     12.94         277                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,088     $91,228,049    $4,536,182      4.97        6,900                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.0            -0.3           0.0                    0.8                     
  $     1  -  5000     4.6             0.3           0.0                    1.0                     
  $  5001 -  10000     4.5             0.8           0.2                    2.1                     
  $ 10001 -  15000     4.6             1.3           0.4                    3.5                     
  $ 15001 -  20000     5.6             2.2           1.0                    4.2                     
  $ 20001 -  25000     5.7             3.0           1.2                    5.2                     
  $ 25001 -  30000     6.8             4.3           1.8                    6.2                     
  $ 30001 -  35000     6.5             4.8           2.3                    6.3                     
  $ 35001 -  40000     9.1             7.9           3.5                    9.9                     
  $ 40001 -  45000     9.6             9.3           5.2                   10.6                     
  $ 45001 -  50000     7.2             7.9           4.4                    8.7                     
  $ 50001 -  75000    24.8            34.5          33.2                   29.3                     
  $ 75001 - 100000     6.6            12.8          17.3                    8.1                     
  OVER $100,000        3.4            11.3          29.4                    4.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-15,144            $2                   2.71                     
  $     1  -  5000                  $2,684            $8                   0.72                     
  $  5001 -  10000                  $7,361           $95                   1.51                     
  $ 10001 -  15000                 $12,651          $180                   2.53                     
  $ 15001 -  20000                 $17,398          $379                   2.49                     
  $ 20001 -  25000                 $22,931          $472                   3.06                     
  $ 25001 -  30000                 $27,648          $589                   2.99                     
  $ 30001 -  35000                 $32,405          $785                   3.20                     
  $ 35001 -  40000                 $37,536          $825                   3.58                     
  $ 40001 -  45000                 $42,430        $1,173                   3.67                     
  $ 45001 -  50000                 $47,451        $1,336                   3.97                     
  $ 50001 -  75000                 $60,764        $2,904                   3.91                     
  $ 75001 - 100000                 $84,894        $5,692                   4.07                     
  OVER $100,000                   $147,444       $19,080                   3.96                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $43,692        $2,173                   3.30                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                              
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               10      $-468,287          $547     -0.12          28                      
  $     1  -  5000       87       $262,600          $351      0.13          48                      
  $  5001 -  10000       83       $600,980        $9,064      1.51          67                      
  $ 10001 -  15000       80       $994,671       $28,324      2.85         113                      
  $ 15001 -  20000       59     $1,026,699       $37,787      3.68          89                      
  $ 20001 -  25000       57     $1,287,097       $55,927      4.35          92                      
  $ 25001 -  30000       50     $1,367,425       $68,821      5.03         103                      
  $ 30001 -  35000       43     $1,411,222       $62,899      4.46          99                      
  $ 35001 -  40000       38     $1,417,909       $74,141      5.23          81                      
  $ 40001 -  45000       43     $1,827,175      $118,360      6.48         118                      
  $ 45001 -  50000       30     $1,418,394       $83,478      5.89          86                      
  $ 50001 -  75000      204    $12,614,135      $873,333      6.92         612                      
  $ 75001 - 100000      126    $10,965,163    $1,033,153      9.42         374                      
  $100001 - 250000      168    $22,573,917    $3,009,933     13.33         551                      
  OVER $250,000          15     $6,334,863    $1,162,297     18.35          44                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,093     $63,633,963    $6,618,415     10.40        2,505                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.9            -0.7           0.0                    1.1                     
  $     1  -  5000     8.0             0.4           0.0                    1.9                     
  $  5001 -  10000     7.6             0.9           0.1                    2.7                     
  $ 10001 -  15000     7.3             1.6           0.4                    4.5                     
  $ 15001 -  20000     5.4             1.6           0.6                    3.6                     
  $ 20001 -  25000     5.2             2.0           0.8                    3.7                     
  $ 25001 -  30000     4.6             2.1           1.0                    4.1                     
  $ 30001 -  35000     3.9             2.2           1.0                    4.0                     
  $ 35001 -  40000     3.5             2.2           1.1                    3.2                     
  $ 40001 -  45000     3.9             2.9           1.8                    4.7                     
  $ 45001 -  50000     2.7             2.2           1.3                    3.4                     
  $ 50001 -  75000    18.7            19.8          13.2                   24.4                     
  $ 75001 - 100000    11.5            17.2          15.6                   14.9                     
  $100001 - 250000    15.4            35.5          45.5                   22.0                     
  OVER $250,000        1.4            10.0          17.6                    1.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-46,829           $55                   2.80                     
  $     1  -  5000                  $3,018            $4                   0.55                     
  $  5001 -  10000                  $7,241          $109                   0.81                     
  $ 10001 -  15000                 $12,433          $354                   1.41                     
  $ 15001 -  20000                 $17,402          $640                   1.51                     
  $ 20001 -  25000                 $22,581          $981                   1.61                     
  $ 25001 -  30000                 $27,349        $1,376                   2.06                     
  $ 30001 -  35000                 $32,819        $1,463                   2.30                     
  $ 35001 -  40000                 $37,313        $1,951                   2.13                     
  $ 40001 -  45000                 $42,492        $2,753                   2.74                     
  $ 45001 -  50000                 $47,280        $2,783                   2.87                     
  $ 50001 -  75000                 $61,834        $4,281                   3.00                     
  $ 75001 - 100000                 $87,025        $8,200                   2.97                     
  $100001 - 250000                $134,369       $17,916                   3.28                     
  OVER $250,000                   $422,324       $77,486                   2.93                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $58,220        $6,055                   2.29                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               17      $-870,859            $0      0.00          56                      
  $     1  -  5000      203       $561,323         $-819     -0.15         127                      
  $  5001 -  10000      145     $1,042,716        $8,616      0.83         197                      
  $ 10001 -  15000      120     $1,513,820       $20,928      1.38         261                      
  $ 15001 -  20000      107     $1,876,329       $41,412      2.21         264                      
  $ 20001 -  25000       84     $1,888,866       $46,798      2.48         222                      
  $ 25001 -  30000       73     $2,002,026       $60,506      3.02         225                      
  $ 30001 -  35000       69     $2,236,388       $62,430      2.79         236                      
  $ 35001 -  40000       59     $2,205,018       $90,455      4.10         183                      
  $ 40001 -  45000       47     $1,982,943       $70,954      3.58         183                      
  $ 45001 -  50000       45     $2,144,579       $88,089      4.11         176                      
  $ 50001 -  75000      140     $8,451,313      $487,785      5.77         546                      
  $ 75001 - 100000       63     $5,365,919      $405,972      7.57         248                      
  OVER $100,000          34     $5,461,818      $815,279     14.93         110                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,206     $35,862,199    $2,198,405      6.13        3,034                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.4            -2.4           0.0                    1.8                     
  $     1  -  5000    16.8             1.6          -0.0                    4.2                     
  $  5001 -  10000    12.0             2.9           0.4                    6.5                     
  $ 10001 -  15000    10.0             4.2           1.0                    8.6                     
  $ 15001 -  20000     8.9             5.2           1.9                    8.7                     
  $ 20001 -  25000     7.0             5.3           2.1                    7.3                     
  $ 25001 -  30000     6.1             5.6           2.8                    7.4                     
  $ 30001 -  35000     5.7             6.2           2.8                    7.8                     
  $ 35001 -  40000     4.9             6.1           4.1                    6.0                     
  $ 40001 -  45000     3.9             5.5           3.2                    6.0                     
  $ 45001 -  50000     3.7             6.0           4.0                    5.8                     
  $ 50001 -  75000    11.6            23.6          22.2                   18.0                     
  $ 75001 - 100000     5.2            15.0          18.5                    8.2                     
  OVER $100,000        2.8            15.2          37.1                    3.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-51,227            $0                   3.29                     
  $     1  -  5000                  $2,765           $-4                   0.63                     
  $  5001 -  10000                  $7,191           $59                   1.36                     
  $ 10001 -  15000                 $12,615          $174                   2.18                     
  $ 15001 -  20000                 $17,536          $387                   2.47                     
  $ 20001 -  25000                 $22,487          $557                   2.64                     
  $ 25001 -  30000                 $27,425          $829                   3.08                     
  $ 30001 -  35000                 $32,411          $905                   3.42                     
  $ 35001 -  40000                 $37,373        $1,533                   3.10                     
  $ 40001 -  45000                 $42,190        $1,510                   3.89                     
  $ 45001 -  50000                 $47,657        $1,958                   3.91                     
  $ 50001 -  75000                 $60,367        $3,484                   3.90                     
  $ 75001 - 100000                 $85,173        $6,444                   3.94                     
  OVER $100,000                   $160,642       $23,979                   3.24                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $29,736        $1,823                   2.52                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               18      $-758,946           $16     -0.00          39                      
  $     1  -  5000       89       $219,238          $795      0.36          73                      
  $  5001 -  10000      105       $780,541        $8,187      1.05         142                      
  $ 10001 -  15000       74       $922,739       $16,517      1.79         153                      
  $ 15001 -  20000       57     $1,000,866       $18,380      1.84         144                      
  $ 20001 -  25000       69     $1,549,312       $40,383      2.61         173                      
  $ 25001 -  30000       57     $1,558,104       $52,702      3.38         172                      
  $ 30001 -  35000       48     $1,562,546       $57,244      3.66         149                      
  $ 35001 -  40000       50     $1,867,927       $77,332      4.14         162                      
  $ 40001 -  45000       43     $1,834,006       $87,248      4.76         145                      
  $ 45001 -  50000       36     $1,717,612       $95,483      5.56         123                      
  $ 50001 -  75000      128     $7,791,347      $484,531      6.22         495                      
  $ 75001 - 100000       48     $4,074,989      $397,960      9.77         145                      
  OVER $100,000          18     $3,395,624      $599,696     17.66          79                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                840     $27,515,905    $1,936,474      7.04        2,194                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             2.1            -2.8           0.0                    1.8                     
  $     1  -  5000    10.6             0.8           0.0                    3.3                     
  $  5001 -  10000    12.5             2.8           0.4                    6.5                     
  $ 10001 -  15000     8.8             3.4           0.9                    7.0                     
  $ 15001 -  20000     6.8             3.6           0.9                    6.6                     
  $ 20001 -  25000     8.2             5.6           2.1                    7.9                     
  $ 25001 -  30000     6.8             5.7           2.7                    7.8                     
  $ 30001 -  35000     5.7             5.7           3.0                    6.8                     
  $ 35001 -  40000     6.0             6.8           4.0                    7.4                     
  $ 40001 -  45000     5.1             6.7           4.5                    6.6                     
  $ 45001 -  50000     4.3             6.2           4.9                    5.6                     
  $ 50001 -  75000    15.2            28.3          25.0                   22.6                     
  $ 75001 - 100000     5.7            14.8          20.6                    6.6                     
  OVER $100,000        2.1            12.3          31.0                    3.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-42,164            $1                   2.17                     
  $     1  -  5000                  $2,463            $9                   0.82                     
  $  5001 -  10000                  $7,434           $78                   1.35                     
  $ 10001 -  15000                 $12,469          $223                   2.07                     
  $ 15001 -  20000                 $17,559          $322                   2.53                     
  $ 20001 -  25000                 $22,454          $585                   2.51                     
  $ 25001 -  30000                 $27,335          $925                   3.02                     
  $ 30001 -  35000                 $32,553        $1,193                   3.10                     
  $ 35001 -  40000                 $37,359        $1,547                   3.24                     
  $ 40001 -  45000                 $42,651        $2,029                   3.37                     
  $ 45001 -  50000                 $47,711        $2,652                   3.42                     
  $ 50001 -  75000                 $60,870        $3,785                   3.87                     
  $ 75001 - 100000                 $84,896        $8,291                   3.02                     
  OVER $100,000                   $188,646       $33,316                   4.39                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $32,757        $2,305                   2.61                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               54      $-898,072            $0      0.00          91                      
  $     1  -  5000      615     $1,595,611        $8,644      0.54         179                      
  $  5001 -  10000      458     $3,311,348       $67,406      2.04         308                      
  $ 10001 -  15000      338     $4,204,576      $120,764      2.87         415                      
  $ 15001 -  20000      288     $5,057,053      $169,276      3.35         454                      
  $ 20001 -  25000      231     $5,181,491      $206,970      3.99         443                      
  $ 25001 -  30000      239     $6,565,652      $299,120      4.56         514                      
  $ 30001 -  35000      188     $6,107,720      $302,476      4.95         428                      
  $ 35001 -  40000      215     $8,065,216      $336,889      4.18         604                      
  $ 40001 -  45000      211     $8,958,021      $433,595      4.84         620                      
  $ 45001 -  50000      183     $8,720,892      $447,333      5.13         565                      
  $ 50001 -  75000      834    $51,799,402    $3,118,362      6.02       2,894                      
  $ 75001 - 100000      564    $48,419,680    $3,718,737      7.68       2,134                      
  $100001 - 250000      589    $83,902,084   $10,793,304     12.86       2,244                      
  OVER $250,000         106    $49,521,388   $10,819,078     21.85         381                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              5,113    $290,512,062   $30,841,954     10.62       12,274                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -0.3           0.0                    0.7                     
  $     1  -  5000    12.0             0.5           0.0                    1.5                     
  $  5001 -  10000     9.0             1.1           0.2                    2.5                     
  $ 10001 -  15000     6.6             1.4           0.4                    3.4                     
  $ 15001 -  20000     5.6             1.7           0.5                    3.7                     
  $ 20001 -  25000     4.5             1.8           0.7                    3.6                     
  $ 25001 -  30000     4.7             2.3           1.0                    4.2                     
  $ 30001 -  35000     3.7             2.1           1.0                    3.5                     
  $ 35001 -  40000     4.2             2.8           1.1                    4.9                     
  $ 40001 -  45000     4.1             3.1           1.4                    5.1                     
  $ 45001 -  50000     3.6             3.0           1.5                    4.6                     
  $ 50001 -  75000    16.3            17.8          10.1                   23.6                     
  $ 75001 - 100000    11.0            16.7          12.1                   17.4                     
  $100001 - 250000    11.5            28.9          35.0                   18.3                     
  OVER $250,000        2.1            17.0          35.1                    3.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-16,631            $0                   1.69                     
  $     1  -  5000                  $2,594           $14                   0.29                     
  $  5001 -  10000                  $7,230          $147                   0.67                     
  $ 10001 -  15000                 $12,440          $357                   1.23                     
  $ 15001 -  20000                 $17,559          $588                   1.58                     
  $ 20001 -  25000                 $22,431          $896                   1.92                     
  $ 25001 -  30000                 $27,471        $1,252                   2.15                     
  $ 30001 -  35000                 $32,488        $1,609                   2.28                     
  $ 35001 -  40000                 $37,513        $1,567                   2.81                     
  $ 40001 -  45000                 $42,455        $2,055                   2.94                     
  $ 45001 -  50000                 $47,655        $2,444                   3.09                     
  $ 50001 -  75000                 $62,110        $3,739                   3.47                     
  $ 75001 - 100000                 $85,850        $6,594                   3.78                     
  $100001 - 250000                $142,448       $18,325                   3.81                     
  OVER $250,000                   $467,183      $102,067                   3.59                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $56,818        $6,032                   2.40                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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         113        $83,332          $157      0.19          48                      
  $  5001 -  10000       83       $606,102       $12,102      2.00          46                      
  $ 10001 -  15000       74       $910,728       $24,699      2.71         102                      
  $ 15001 -  20000       76     $1,330,368       $51,400      3.86         108                      
  $ 20001 -  25000       59     $1,314,288       $66,833      5.09          83                      
  $ 25001 -  30000       44     $1,197,821       $48,049      4.01         100                      
  $ 30001 -  35000       56     $1,837,133       $80,893      4.40         138                      
  $ 35001 -  40000       53     $1,986,102       $72,614      3.66         162                      
  $ 40001 -  45000       48     $2,029,527      $108,273      5.33         140                      
  $ 45001 -  50000       55     $2,585,836      $131,798      5.10         174                      
  $ 50001 -  75000      259    $16,125,150      $990,459      6.14         912                      
  $ 75001 - 100000      119    $10,367,430      $897,301      8.65         391                      
  OVER $100,000          61     $8,151,358    $1,147,368     14.08         188                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,100     $48,525,175    $3,631,946      7.48        2,592                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       10.3             0.2           0.0                    1.9                     
  $  5001 -  10000     7.5             1.2           0.3                    1.8                     
  $ 10001 -  15000     6.7             1.9           0.7                    3.9                     
  $ 15001 -  20000     6.9             2.7           1.4                    4.2                     
  $ 20001 -  25000     5.4             2.7           1.8                    3.2                     
  $ 25001 -  30000     4.0             2.5           1.3                    3.9                     
  $ 30001 -  35000     5.1             3.8           2.2                    5.3                     
  $ 35001 -  40000     4.8             4.1           2.0                    6.3                     
  $ 40001 -  45000     4.4             4.2           3.0                    5.4                     
  $ 45001 -  50000     5.0             5.3           3.6                    6.7                     
  $ 50001 -  75000    23.5            33.2          27.3                   35.2                     
  $ 75001 - 100000    10.8            21.4          24.7                   15.1                     
  OVER $100,000        5.5            16.8          31.6                    7.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                       $737            $1                   0.42                     
  $  5001 -  10000                  $7,302          $146                   0.55                     
  $ 10001 -  15000                 $12,307          $334                   1.38                     
  $ 15001 -  20000                 $17,505          $676                   1.42                     
  $ 20001 -  25000                 $22,276        $1,133                   1.41                     
  $ 25001 -  30000                 $27,223        $1,092                   2.27                     
  $ 30001 -  35000                 $32,806        $1,445                   2.46                     
  $ 35001 -  40000                 $37,474        $1,370                   3.06                     
  $ 40001 -  45000                 $42,282        $2,256                   2.92                     
  $ 45001 -  50000                 $47,015        $2,396                   3.16                     
  $ 50001 -  75000                 $62,259        $3,824                   3.52                     
  $ 75001 - 100000                 $87,121        $7,540                   3.29                     
  OVER $100,000                   $133,629       $18,809                   3.08                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $44,114        $3,302                   2.36                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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 $1               15      $-734,487            $0      0.00          43                      
  $     1  -  5000      108       $314,724          $476      0.15          64                      
  $  5001 -  10000      116       $876,855       $10,580      1.21         145                      
  $ 10001 -  15000      110     $1,366,417       $31,142      2.28         191                      
  $ 15001 -  20000       68     $1,175,119       $28,975      2.47         151                      
  $ 20001 -  25000       79     $1,786,780       $43,580      2.44         214                      
  $ 25001 -  30000       67     $1,845,796       $64,375      3.49         176                      
  $ 30001 -  35000       51     $1,656,032       $63,395      3.83         159                      
  $ 35001 -  40000       58     $2,172,420       $77,488      3.57         189                      
  $ 40001 -  45000       46     $1,944,681       $94,700      4.87         152                      
  $ 45001 -  50000       45     $2,142,295      $101,038      4.72         166                      
  $ 50001 -  75000      134     $7,992,266      $530,707      6.64         488                      
  $ 75001 - 100000       48     $4,111,833      $357,594      8.70         152                      
  OVER $100,000          34     $4,960,021      $795,008     16.03         108                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                979     $31,610,752    $2,199,058      6.96        2,398                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.5            -2.3           0.0                    1.8                     
  $     1  -  5000    11.0             1.0           0.0                    2.7                     
  $  5001 -  10000    11.8             2.8           0.5                    6.0                     
  $ 10001 -  15000    11.2             4.3           1.4                    8.0                     
  $ 15001 -  20000     6.9             3.7           1.3                    6.3                     
  $ 20001 -  25000     8.1             5.7           2.0                    8.9                     
  $ 25001 -  30000     6.8             5.8           2.9                    7.3                     
  $ 30001 -  35000     5.2             5.2           2.9                    6.6                     
  $ 35001 -  40000     5.9             6.9           3.5                    7.9                     
  $ 40001 -  45000     4.7             6.2           4.3                    6.3                     
  $ 45001 -  50000     4.6             6.8           4.6                    6.9                     
  $ 50001 -  75000    13.7            25.3          24.1                   20.4                     
  $ 75001 - 100000     4.9            13.0          16.3                    6.3                     
  OVER $100,000        3.5            15.7          36.2                    4.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-48,966            $0                   2.87                     
  $     1  -  5000                  $2,914            $4                   0.59                     
  $  5001 -  10000                  $7,559           $91                   1.25                     
  $ 10001 -  15000                 $12,422          $283                   1.74                     
  $ 15001 -  20000                 $17,281          $426                   2.22                     
  $ 20001 -  25000                 $22,617          $552                   2.71                     
  $ 25001 -  30000                 $27,549          $961                   2.63                     
  $ 30001 -  35000                 $32,471        $1,243                   3.12                     
  $ 35001 -  40000                 $37,456        $1,336                   3.26                     
  $ 40001 -  45000                 $42,276        $2,059                   3.30                     
  $ 45001 -  50000                 $47,607        $2,245                   3.69                     
  $ 50001 -  75000                 $59,644        $3,961                   3.64                     
  $ 75001 - 100000                 $85,663        $7,450                   3.17                     
  OVER $100,000                   $145,883       $23,383                   3.18                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $32,289        $2,246                   2.45                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                     
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               21    $-1,178,322        $9,107     -0.77          34                      
  $     1  -  5000      229       $581,445        $2,098      0.36          51                      
  $  5001 -  10000      184     $1,302,292       $27,851      2.14         106                      
  $ 10001 -  15000       97     $1,205,746       $35,068      2.91         114                      
  $ 15001 -  20000      107     $1,866,734       $64,772      3.47         162                      
  $ 20001 -  25000       85     $1,908,478       $79,553      4.17         163                      
  $ 25001 -  30000       49     $1,343,187       $58,687      4.37          94                      
  $ 30001 -  35000       66     $2,158,190       $96,284      4.46         148                      
  $ 35001 -  40000       32     $1,196,178       $70,043      5.86          67                      
  $ 40001 -  45000       46     $1,966,581      $138,737      7.05         105                      
  $ 45001 -  50000       54     $2,537,720      $157,043      6.19         158                      
  $ 50001 -  75000      218    $13,671,079      $843,220      6.17         774                      
  $ 75001 - 100000      201    $17,623,779    $1,416,849      8.04         740                      
  $100001 - 250000      223    $31,718,326    $4,090,941     12.90         863                      
  OVER $250,000          29    $16,256,306    $3,198,030     19.67         106                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,641     $94,157,719   $10,288,283     10.93        3,685                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.3            -1.3           0.1                    0.9                     
  $     1  -  5000    14.0             0.6           0.0                    1.4                     
  $  5001 -  10000    11.2             1.4           0.3                    2.9                     
  $ 10001 -  15000     5.9             1.3           0.3                    3.1                     
  $ 15001 -  20000     6.5             2.0           0.6                    4.4                     
  $ 20001 -  25000     5.2             2.0           0.8                    4.4                     
  $ 25001 -  30000     3.0             1.4           0.6                    2.6                     
  $ 30001 -  35000     4.0             2.3           0.9                    4.0                     
  $ 35001 -  40000     2.0             1.3           0.7                    1.8                     
  $ 40001 -  45000     2.8             2.1           1.3                    2.8                     
  $ 45001 -  50000     3.3             2.7           1.5                    4.3                     
  $ 50001 -  75000    13.3            14.5           8.2                   21.0                     
  $ 75001 - 100000    12.2            18.7          13.8                   20.1                     
  $100001 - 250000    13.6            33.7          39.8                   23.4                     
  OVER $250,000        1.8            17.3          31.1                    2.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-56,111          $434                   1.62                     
  $     1  -  5000                  $2,539            $9                   0.22                     
  $  5001 -  10000                  $7,078          $151                   0.58                     
  $ 10001 -  15000                 $12,430          $362                   1.18                     
  $ 15001 -  20000                 $17,446          $605                   1.51                     
  $ 20001 -  25000                 $22,453          $936                   1.92                     
  $ 25001 -  30000                 $27,412        $1,198                   1.92                     
  $ 30001 -  35000                 $32,700        $1,459                   2.24                     
  $ 35001 -  40000                 $37,381        $2,189                   2.09                     
  $ 40001 -  45000                 $42,752        $3,016                   2.28                     
  $ 45001 -  50000                 $46,995        $2,908                   2.93                     
  $ 50001 -  75000                 $62,711        $3,868                   3.55                     
  $ 75001 - 100000                 $87,680        $7,049                   3.68                     
  $100001 - 250000                $142,235       $18,345                   3.87                     
  OVER $250,000                   $560,562      $110,277                   3.66                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $57,378        $6,270                   2.25                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               15      $-566,489            $0      0.00          18                      
  $     1  -  5000      124       $337,294        $1,105      0.33          33                      
  $  5001 -  10000      117       $890,372       $12,858      1.44         124                      
  $ 10001 -  15000      109     $1,324,920       $32,507      2.45         159                      
  $ 15001 -  20000       72     $1,275,033       $28,794      2.26         153                      
  $ 20001 -  25000       97     $2,180,628       $83,646      3.84         221                      
  $ 25001 -  30000      117     $3,226,928      $131,603      4.08         296                      
  $ 30001 -  35000       85     $2,764,375       $96,801      3.50         265                      
  $ 35001 -  40000       86     $3,240,237      $141,179      4.36         266                      
  $ 40001 -  45000       61     $2,595,948      $123,588      4.76         195                      
  $ 45001 -  50000       64     $3,049,143      $163,017      5.35         227                      
  $ 50001 -  75000      245    $14,955,202      $916,679      6.13         923                      
  $ 75001 - 100000       75     $6,430,020      $547,013      8.51         288                      
  OVER $100,000          23     $2,979,642      $389,080     13.06          97                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,290     $44,683,253    $2,667,870      5.97        3,265                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.2            -1.3           0.0                    0.6                     
  $     1  -  5000     9.6             0.8           0.0                    1.0                     
  $  5001 -  10000     9.1             2.0           0.5                    3.8                     
  $ 10001 -  15000     8.4             3.0           1.2                    4.9                     
  $ 15001 -  20000     5.6             2.9           1.1                    4.7                     
  $ 20001 -  25000     7.5             4.9           3.1                    6.8                     
  $ 25001 -  30000     9.1             7.2           4.9                    9.1                     
  $ 30001 -  35000     6.6             6.2           3.6                    8.1                     
  $ 35001 -  40000     6.7             7.3           5.3                    8.1                     
  $ 40001 -  45000     4.7             5.8           4.6                    6.0                     
  $ 45001 -  50000     5.0             6.8           6.1                    7.0                     
  $ 50001 -  75000    19.0            33.5          34.4                   28.3                     
  $ 75001 - 100000     5.8            14.4          20.5                    8.8                     
  OVER $100,000        1.8             6.7          14.6                    3.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-37,766            $0                   1.20                     
  $     1  -  5000                  $2,720            $9                   0.27                     
  $  5001 -  10000                  $7,610          $110                   1.06                     
  $ 10001 -  15000                 $12,155          $298                   1.46                     
  $ 15001 -  20000                 $17,709          $400                   2.13                     
  $ 20001 -  25000                 $22,481          $862                   2.28                     
  $ 25001 -  30000                 $27,581        $1,125                   2.53                     
  $ 30001 -  35000                 $32,522        $1,139                   3.12                     
  $ 35001 -  40000                 $37,677        $1,642                   3.09                     
  $ 40001 -  45000                 $42,557        $2,026                   3.20                     
  $ 45001 -  50000                 $47,643        $2,547                   3.55                     
  $ 50001 -  75000                 $61,042        $3,742                   3.77                     
  $ 75001 - 100000                 $85,734        $7,294                   3.84                     
  OVER $100,000                   $129,550       $16,917                   4.22                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $34,638        $2,068                   2.53                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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      $-382,598          $279     -0.07          24                      
  $     1  -  5000      246       $638,031        $2,959      0.46         145                      
  $  5001 -  10000      201     $1,503,502       $14,769      0.98         253                      
  $ 10001 -  15000      200     $2,488,721       $47,085      1.89         343                      
  $ 15001 -  20000      201     $3,512,546      $100,565      2.86         400                      
  $ 20001 -  25000      164     $3,670,001      $142,369      3.88         334                      
  $ 25001 -  30000      165     $4,552,694      $185,731      4.08         377                      
  $ 30001 -  35000      161     $5,235,506      $231,504      4.42         411                      
  $ 35001 -  40000      170     $6,397,652      $295,896      4.63         484                      
  $ 40001 -  45000      136     $5,784,555      $290,102      5.02         410                      
  $ 45001 -  50000      146     $6,919,797      $340,166      4.92         503                      
  $ 50001 -  75000      524    $31,952,730    $2,156,398      6.75       1,757                      
  $ 75001 - 100000      236    $20,288,879    $1,819,643      8.97         828                      
  OVER $100,000         105    $12,787,646    $1,606,901     12.57         363                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,670    $105,349,662    $7,234,367      6.87        6,632                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.6            -0.4           0.0                    0.4                     
  $     1  -  5000     9.2             0.6           0.0                    2.2                     
  $  5001 -  10000     7.5             1.4           0.2                    3.8                     
  $ 10001 -  15000     7.5             2.4           0.7                    5.2                     
  $ 15001 -  20000     7.5             3.3           1.4                    6.0                     
  $ 20001 -  25000     6.1             3.5           2.0                    5.0                     
  $ 25001 -  30000     6.2             4.3           2.6                    5.7                     
  $ 30001 -  35000     6.0             5.0           3.2                    6.2                     
  $ 35001 -  40000     6.4             6.1           4.1                    7.3                     
  $ 40001 -  45000     5.1             5.5           4.0                    6.2                     
  $ 45001 -  50000     5.5             6.6           4.7                    7.6                     
  $ 50001 -  75000    19.6            30.3          29.8                   26.5                     
  $ 75001 - 100000     8.8            19.3          25.2                   12.5                     
  OVER $100,000        3.9            12.1          22.2                    5.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-25,507           $19                   1.60                     
  $     1  -  5000                  $2,594           $12                   0.59                     
  $  5001 -  10000                  $7,480           $73                   1.26                     
  $ 10001 -  15000                 $12,444          $235                   1.71                     
  $ 15001 -  20000                 $17,475          $500                   1.99                     
  $ 20001 -  25000                 $22,378          $868                   2.04                     
  $ 25001 -  30000                 $27,592        $1,126                   2.28                     
  $ 30001 -  35000                 $32,519        $1,438                   2.55                     
  $ 35001 -  40000                 $37,633        $1,741                   2.85                     
  $ 40001 -  45000                 $42,533        $2,133                   3.01                     
  $ 45001 -  50000                 $47,396        $2,330                   3.45                     
  $ 50001 -  75000                 $60,978        $4,115                   3.35                     
  $ 75001 - 100000                 $85,970        $7,710                   3.51                     
  OVER $100,000                   $121,787       $15,304                   3.46                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,457        $2,710                   2.48                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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         114       $264,468        $1,903      0.72          40                      
  $  5001 -  10000       62       $453,273        $9,378      2.07          31                      
  $ 10001 -  15000       55       $687,228       $23,362      3.40          71                      
  $ 15001 -  20000       63     $1,109,529       $37,125      3.35         105                      
  $ 20001 -  25000       49     $1,093,226       $33,317      3.05         113                      
  $ 25001 -  30000       45     $1,225,907       $49,437      4.03         108                      
  $ 30001 -  35000       63     $2,032,965       $87,952      4.33         160                      
  $ 35001 -  40000       54     $2,018,677       $68,449      3.39         161                      
  $ 40001 -  45000       63     $2,689,839      $107,066      3.98         210                      
  $ 45001 -  50000       48     $2,288,597      $117,660      5.14         151                      
  $ 50001 -  75000      234    $14,351,674      $874,471      6.09         860                      
  $ 75001 - 100000       92     $7,772,652      $613,649      7.89         355                      
  OVER $100,000          25     $3,144,934      $409,958     13.04          95                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                967     $39,132,969    $2,433,727      6.22        2,460                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       11.8             0.7           0.1                    1.6                     
  $  5001 -  10000     6.4             1.2           0.4                    1.3                     
  $ 10001 -  15000     5.7             1.8           1.0                    2.9                     
  $ 15001 -  20000     6.5             2.8           1.5                    4.3                     
  $ 20001 -  25000     5.1             2.8           1.4                    4.6                     
  $ 25001 -  30000     4.7             3.1           2.0                    4.4                     
  $ 30001 -  35000     6.5             5.2           3.6                    6.5                     
  $ 35001 -  40000     5.6             5.2           2.8                    6.5                     
  $ 40001 -  45000     6.5             6.9           4.4                    8.5                     
  $ 45001 -  50000     5.0             5.8           4.8                    6.1                     
  $ 50001 -  75000    24.2            36.7          35.9                   35.0                     
  $ 75001 - 100000     9.5            19.9          25.2                   14.4                     
  OVER $100,000        2.6             8.0          16.8                    3.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,320           $17                   0.35                     
  $  5001 -  10000                  $7,311          $151                   0.50                     
  $ 10001 -  15000                 $12,495          $425                   1.29                     
  $ 15001 -  20000                 $17,612          $589                   1.67                     
  $ 20001 -  25000                 $22,311          $680                   2.31                     
  $ 25001 -  30000                 $27,242        $1,099                   2.40                     
  $ 30001 -  35000                 $32,269        $1,396                   2.54                     
  $ 35001 -  40000                 $37,383        $1,268                   2.98                     
  $ 40001 -  45000                 $42,696        $1,699                   3.33                     
  $ 45001 -  50000                 $47,679        $2,451                   3.15                     
  $ 50001 -  75000                 $61,332        $3,737                   3.68                     
  $ 75001 - 100000                 $84,485        $6,670                   3.86                     
  OVER $100,000                   $125,797       $16,398                   3.80                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $40,468        $2,517                   2.54                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               54    $-1,019,713        $4,760     -0.47         107                      
  $     1  -  5000      502     $1,286,695        $4,151      0.32         237                      
  $  5001 -  10000      458     $3,402,606       $50,653      1.49         542                      
  $ 10001 -  15000      389     $4,862,096      $110,120      2.26         658                      
  $ 15001 -  20000      412     $7,243,102      $195,649      2.70         868                      
  $ 20001 -  25000      338     $7,537,806      $273,143      3.62         759                      
  $ 25001 -  30000      331     $9,095,950      $328,679      3.61         873                      
  $ 30001 -  35000      276     $8,973,730      $352,899      3.93         762                      
  $ 35001 -  40000      249     $9,317,579      $432,933      4.65         667                      
  $ 40001 -  45000      246    $10,445,816      $460,199      4.41         775                      
  $ 45001 -  50000      229    $10,895,853      $558,894      5.13         751                      
  $ 50001 -  75000      759    $46,575,755    $2,887,857      6.20       2,640                      
  $ 75001 - 100000      339    $29,096,420    $2,222,102      7.64       1,246                      
  $100001 - 250000      231    $31,940,143    $4,044,583     12.66         802                      
  OVER $250,000          43    $30,470,249    $6,225,162     20.43         161                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              4,856    $210,124,087   $18,151,784      8.64       11,848                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -0.5           0.0                    0.9                     
  $     1  -  5000    10.3             0.6           0.0                    2.0                     
  $  5001 -  10000     9.4             1.6           0.3                    4.6                     
  $ 10001 -  15000     8.0             2.3           0.6                    5.6                     
  $ 15001 -  20000     8.5             3.4           1.1                    7.3                     
  $ 20001 -  25000     7.0             3.6           1.5                    6.4                     
  $ 25001 -  30000     6.8             4.3           1.8                    7.4                     
  $ 30001 -  35000     5.7             4.3           1.9                    6.4                     
  $ 35001 -  40000     5.1             4.4           2.4                    5.6                     
  $ 40001 -  45000     5.1             5.0           2.5                    6.5                     
  $ 45001 -  50000     4.7             5.2           3.1                    6.3                     
  $ 50001 -  75000    15.6            22.2          15.9                   22.3                     
  $ 75001 - 100000     7.0            13.8          12.2                   10.5                     
  $100001 - 250000     4.8            15.2          22.3                    6.8                     
  OVER $250,000        0.9            14.5          34.3                    1.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-18,884           $88                   1.98                     
  $     1  -  5000                  $2,563            $8                   0.47                     
  $  5001 -  10000                  $7,429          $111                   1.18                     
  $ 10001 -  15000                 $12,499          $283                   1.69                     
  $ 15001 -  20000                 $17,580          $475                   2.11                     
  $ 20001 -  25000                 $22,301          $808                   2.25                     
  $ 25001 -  30000                 $27,480          $993                   2.64                     
  $ 30001 -  35000                 $32,514        $1,279                   2.76                     
  $ 35001 -  40000                 $37,420        $1,739                   2.68                     
  $ 40001 -  45000                 $42,463        $1,871                   3.15                     
  $ 45001 -  50000                 $47,580        $2,441                   3.28                     
  $ 50001 -  75000                 $61,365        $3,805                   3.48                     
  $ 75001 - 100000                 $85,830        $6,555                   3.68                     
  $100001 - 250000                $138,269       $17,509                   3.47                     
  OVER $250,000                   $708,610      $144,771                   3.74                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $43,271        $3,738                   2.44                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               21    $-1,012,059          $219     -0.02          37                      
  $     1  -  5000      136       $381,731        $4,540      1.19         100                      
  $  5001 -  10000      160     $1,168,257       $14,964      1.28         181                      
  $ 10001 -  15000      131     $1,599,708       $31,992      2.00         189                      
  $ 15001 -  20000      137     $2,401,911       $72,974      3.04         252                      
  $ 20001 -  25000       86     $1,954,198       $80,873      4.14         183                      
  $ 25001 -  30000       87     $2,406,193      $100,358      4.17         193                      
  $ 30001 -  35000       80     $2,576,144      $136,199      5.29         188                      
  $ 35001 -  40000       82     $3,077,128      $186,912      6.07         205                      
  $ 40001 -  45000       78     $3,318,164      $205,491      6.19         199                      
  $ 45001 -  50000       70     $3,333,018      $238,548      7.16         192                      
  $ 50001 -  75000      238    $14,801,436    $1,239,734      8.38         702                      
  $ 75001 - 100000      101     $8,542,344      $909,795     10.65         303                      
  OVER $100,000          61     $7,946,413    $1,196,169     15.05         176                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,468     $52,494,586    $4,418,768      8.42        3,100                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.4            -1.9           0.0                    1.2                     
  $     1  -  5000     9.3             0.7           0.1                    3.2                     
  $  5001 -  10000    10.9             2.2           0.3                    5.8                     
  $ 10001 -  15000     8.9             3.0           0.7                    6.1                     
  $ 15001 -  20000     9.3             4.6           1.7                    8.1                     
  $ 20001 -  25000     5.9             3.7           1.8                    5.9                     
  $ 25001 -  30000     5.9             4.6           2.3                    6.2                     
  $ 30001 -  35000     5.4             4.9           3.1                    6.1                     
  $ 35001 -  40000     5.6             5.9           4.2                    6.6                     
  $ 40001 -  45000     5.3             6.3           4.7                    6.4                     
  $ 45001 -  50000     4.8             6.3           5.4                    6.2                     
  $ 50001 -  75000    16.2            28.2          28.1                   22.6                     
  $ 75001 - 100000     6.9            16.3          20.6                    9.8                     
  OVER $100,000        4.2            15.1          27.1                    5.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-48,193           $10                   1.76                     
  $     1  -  5000                  $2,807           $33                   0.74                     
  $  5001 -  10000                  $7,302           $94                   1.13                     
  $ 10001 -  15000                 $12,212          $244                   1.44                     
  $ 15001 -  20000                 $17,532          $533                   1.84                     
  $ 20001 -  25000                 $22,723          $940                   2.13                     
  $ 25001 -  30000                 $27,657        $1,154                   2.22                     
  $ 30001 -  35000                 $32,202        $1,702                   2.35                     
  $ 35001 -  40000                 $37,526        $2,279                   2.50                     
  $ 40001 -  45000                 $42,541        $2,635                   2.55                     
  $ 45001 -  50000                 $47,615        $3,408                   2.74                     
  $ 50001 -  75000                 $62,191        $5,209                   2.95                     
  $ 75001 - 100000                 $84,578        $9,008                   3.00                     
  OVER $100,000                   $130,269       $19,609                   2.89                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $35,759        $3,010                   2.11                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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 $1               10      $-249,239            $0      0.00          22                      
  $     1  -  5000      152       $406,533          $954      0.23          70                      
  $  5001 -  10000      152     $1,113,757       $15,925      1.43         157                      
  $ 10001 -  15000       87     $1,089,923       $23,881      2.19         146                      
  $ 15001 -  20000       89     $1,536,125       $46,862      3.05         186                      
  $ 20001 -  25000      103     $2,339,201       $93,019      3.98         214                      
  $ 25001 -  30000      110     $3,019,772      $125,595      4.16         266                      
  $ 30001 -  35000      110     $3,576,806      $134,052      3.75         292                      
  $ 35001 -  40000      152     $5,719,245      $175,586      3.07         480                      
  $ 40001 -  45000      150     $6,377,327      $208,790      3.27         493                      
  $ 45001 -  50000      179     $8,496,955      $332,251      3.91         600                      
  $ 50001 -  75000      855    $52,497,045    $2,855,316      5.44       3,016                      
  $ 75001 - 100000      319    $27,150,010    $2,096,773      7.72       1,153                      
  OVER $100,000         175    $23,348,839    $2,931,718     12.56         614                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,643    $136,422,299    $9,040,722      6.63        7,709                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.2           0.0                    0.3                     
  $     1  -  5000     5.8             0.3           0.0                    0.9                     
  $  5001 -  10000     5.8             0.8           0.2                    2.0                     
  $ 10001 -  15000     3.3             0.8           0.3                    1.9                     
  $ 15001 -  20000     3.4             1.1           0.5                    2.4                     
  $ 20001 -  25000     3.9             1.7           1.0                    2.8                     
  $ 25001 -  30000     4.2             2.2           1.4                    3.5                     
  $ 30001 -  35000     4.2             2.6           1.5                    3.8                     
  $ 35001 -  40000     5.8             4.2           1.9                    6.2                     
  $ 40001 -  45000     5.7             4.7           2.3                    6.4                     
  $ 45001 -  50000     6.8             6.2           3.7                    7.8                     
  $ 50001 -  75000    32.3            38.5          31.6                   39.1                     
  $ 75001 - 100000    12.1            19.9          23.2                   15.0                     
  OVER $100,000        6.6            17.1          32.4                    8.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-24,924            $0                   2.20                     
  $     1  -  5000                  $2,675            $6                   0.46                     
  $  5001 -  10000                  $7,327          $105                   1.03                     
  $ 10001 -  15000                 $12,528          $274                   1.68                     
  $ 15001 -  20000                 $17,260          $527                   2.09                     
  $ 20001 -  25000                 $22,711          $903                   2.08                     
  $ 25001 -  30000                 $27,452        $1,142                   2.42                     
  $ 30001 -  35000                 $32,516        $1,219                   2.65                     
  $ 35001 -  40000                 $37,627        $1,155                   3.16                     
  $ 40001 -  45000                 $42,516        $1,392                   3.29                     
  $ 45001 -  50000                 $47,469        $1,856                   3.35                     
  $ 50001 -  75000                 $61,400        $3,340                   3.53                     
  $ 75001 - 100000                 $85,110        $6,573                   3.61                     
  OVER $100,000                   $133,422       $16,753                   3.51                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $51,616        $3,421                   2.92                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               45    $-1,116,840        $1,595     -0.14         105                      
  $     1  -  5000      537     $1,386,408       $14,520      1.05         173                      
  $  5001 -  10000      341     $2,459,898       $54,190      2.20         257                      
  $ 10001 -  15000      225     $2,759,505       $72,812      2.64         333                      
  $ 15001 -  20000      163     $2,829,572       $74,070      2.62         307                      
  $ 20001 -  25000      151     $3,396,775      $111,712      3.29         337                      
  $ 25001 -  30000      122     $3,346,677      $123,944      3.70         308                      
  $ 30001 -  35000      102     $3,290,256      $116,144      3.53         289                      
  $ 35001 -  40000      109     $4,089,325      $136,303      3.33         382                      
  $ 40001 -  45000       94     $3,988,024      $170,886      4.28         299                      
  $ 45001 -  50000       82     $3,879,988      $149,395      3.85         291                      
  $ 50001 -  75000      539    $33,697,327    $1,427,424      4.24       2,306                      
  $ 75001 - 100000      414    $35,888,903    $2,202,675      6.14       1,834                      
  $100001 - 250000      564    $78,524,006    $8,735,868     11.13       2,592                      
  OVER $250,000          77    $44,027,109    $8,797,534     19.98         377                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,565    $222,446,933   $22,189,072      9.97       10,190                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.3            -0.5           0.0                    1.0                     
  $     1  -  5000    15.1             0.6           0.1                    1.7                     
  $  5001 -  10000     9.6             1.1           0.2                    2.5                     
  $ 10001 -  15000     6.3             1.2           0.3                    3.3                     
  $ 15001 -  20000     4.6             1.3           0.3                    3.0                     
  $ 20001 -  25000     4.2             1.5           0.5                    3.3                     
  $ 25001 -  30000     3.4             1.5           0.6                    3.0                     
  $ 30001 -  35000     2.9             1.5           0.5                    2.8                     
  $ 35001 -  40000     3.1             1.8           0.6                    3.7                     
  $ 40001 -  45000     2.6             1.8           0.8                    2.9                     
  $ 45001 -  50000     2.3             1.7           0.7                    2.9                     
  $ 50001 -  75000    15.1            15.1           6.4                   22.6                     
  $ 75001 - 100000    11.6            16.1           9.9                   18.0                     
  $100001 - 250000    15.8            35.3          39.4                   25.4                     
  OVER $250,000        2.2            19.8          39.6                    3.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-24,819           $35                   2.33                     
  $     1  -  5000                  $2,582           $27                   0.32                     
  $  5001 -  10000                  $7,214          $159                   0.75                     
  $ 10001 -  15000                 $12,264          $324                   1.48                     
  $ 15001 -  20000                 $17,359          $454                   1.88                     
  $ 20001 -  25000                 $22,495          $740                   2.23                     
  $ 25001 -  30000                 $27,432        $1,016                   2.52                     
  $ 30001 -  35000                 $32,257        $1,139                   2.83                     
  $ 35001 -  40000                 $37,517        $1,250                   3.50                     
  $ 40001 -  45000                 $42,426        $1,818                   3.18                     
  $ 45001 -  50000                 $47,317        $1,822                   3.55                     
  $ 50001 -  75000                 $62,518        $2,648                   4.28                     
  $ 75001 - 100000                 $86,688        $5,320                   4.43                     
  $100001 - 250000                $139,227       $15,489                   4.60                     
  OVER $250,000                   $571,781      $114,254                   4.90                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $62,397        $6,224                   2.86                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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                                                      
                        _________________________________________________                           
  $     1  -  5000       51       $127,639          $437      0.34          14                      
  $  5001 -  10000      110       $870,758       $12,762      1.47         106                      
  $ 10001 -  15000      200     $2,536,111       $73,911      2.91         300                      
  $ 15001 -  20000      411     $7,072,732      $305,610      4.32         679                      
  $ 20001 -  25000      228     $5,070,113      $160,044      3.16         565                      
  $ 25001 -  30000      176     $4,824,668       $58,675      1.22         604                      
  $ 30001 -  35000      117     $3,768,649       $65,513      1.74         391                      
  $ 35001 -  40000      101     $3,785,935      $111,514      2.95         341                      
  $ 40001 -  45000       74     $3,124,639       $96,968      3.10         270                      
  $ 45001 -  50000       58     $2,741,952      $138,475      5.05         187                      
  $ 50001 -  75000      115     $6,851,396      $436,723      6.37         425                      
  $ 75001 - 100000       27     $2,294,284      $222,067      9.68          99                      
  $100001 - 250000       12     $1,608,200      $241,036     14.99          45                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,680     $44,677,076    $1,923,735      4.31        4,026                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  $     1  -  5000     3.0             0.3           0.0                    0.3                     
  $  5001 -  10000     6.5             1.9           0.7                    2.6                     
  $ 10001 -  15000    11.9             5.7           3.8                    7.5                     
  $ 15001 -  20000    24.5            15.8          15.9                   16.9                     
  $ 20001 -  25000    13.6            11.3           8.3                   14.0                     
  $ 25001 -  30000    10.5            10.8           3.1                   15.0                     
  $ 30001 -  35000     7.0             8.4           3.4                    9.7                     
  $ 35001 -  40000     6.0             8.5           5.8                    8.5                     
  $ 40001 -  45000     4.4             7.0           5.0                    6.7                     
  $ 45001 -  50000     3.5             6.1           7.2                    4.6                     
  $ 50001 -  75000     6.8            15.3          22.7                   10.6                     
  $ 75001 - 100000     1.6             5.1          11.5                    2.5                     
  $100001 - 250000     0.7             3.6          12.5                    1.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  $     1  -  5000                  $2,503            $9                   0.27                     
  $  5001 -  10000                  $7,916          $116                   0.96                     
  $ 10001 -  15000                 $12,681          $370                   1.50                     
  $ 15001 -  20000                 $17,209          $744                   1.65                     
  $ 20001 -  25000                 $22,237          $702                   2.48                     
  $ 25001 -  30000                 $27,413          $333                   3.43                     
  $ 30001 -  35000                 $32,211          $560                   3.34                     
  $ 35001 -  40000                 $37,485        $1,104                   3.38                     
  $ 40001 -  45000                 $42,225        $1,310                   3.65                     
  $ 45001 -  50000                 $47,275        $2,388                   3.22                     
  $ 50001 -  75000                 $59,577        $3,798                   3.70                     
  $ 75001 - 100000                 $84,973        $8,225                   3.67                     
  $100001 - 250000                $134,017       $20,086                   3.75                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $26,593        $1,145                   2.40                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               29   $-12,915,268            $1     -0.00          41                      
  $     1  -  5000      271       $696,180        $4,330      0.62         139                      
  $  5001 -  10000      212     $1,577,921       $26,962      1.71         204                      
  $ 10001 -  15000      209     $2,577,181       $68,733      2.67         278                      
  $ 15001 -  20000      192     $3,349,167      $113,364      3.38         343                      
  $ 20001 -  25000      163     $3,662,365      $164,264      4.49         282                      
  $ 25001 -  30000      169     $4,642,702      $241,034      5.19         315                      
  $ 30001 -  35000      125     $4,057,765      $233,011      5.74         232                      
  $ 35001 -  40000      123     $4,615,865      $275,458      5.97         272                      
  $ 40001 -  45000       98     $4,164,653      $296,490      7.12         216                      
  $ 45001 -  50000       96     $4,562,776      $393,824      8.63         195                      
  $ 50001 -  75000      266    $16,239,899    $1,242,469      7.65         701                      
  $ 75001 - 100000      160    $13,776,447    $1,212,568      8.80         509                      
  $100001 - 250000      180    $26,030,706    $3,584,276     13.77         620                      
  OVER $250,000          40    $30,282,910    $6,800,887     22.46         151                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,333    $107,321,269   $14,657,671     13.66        4,498                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.2           -12.0           0.0                    0.9                     
  $     1  -  5000    11.6             0.6           0.0                    3.1                     
  $  5001 -  10000     9.1             1.5           0.2                    4.5                     
  $ 10001 -  15000     9.0             2.4           0.5                    6.2                     
  $ 15001 -  20000     8.2             3.1           0.8                    7.6                     
  $ 20001 -  25000     7.0             3.4           1.1                    6.3                     
  $ 25001 -  30000     7.2             4.3           1.6                    7.0                     
  $ 30001 -  35000     5.4             3.8           1.6                    5.2                     
  $ 35001 -  40000     5.3             4.3           1.9                    6.0                     
  $ 40001 -  45000     4.2             3.9           2.0                    4.8                     
  $ 45001 -  50000     4.1             4.3           2.7                    4.3                     
  $ 50001 -  75000    11.4            15.1           8.5                   15.6                     
  $ 75001 - 100000     6.9            12.8           8.3                   11.3                     
  $100001 - 250000     7.7            24.3          24.5                   13.8                     
  OVER $250,000        1.7            28.2          46.4                    3.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-445354            $0                   1.41                     
  $     1  -  5000                  $2,569           $16                   0.51                     
  $  5001 -  10000                  $7,443          $127                   0.96                     
  $ 10001 -  15000                 $12,331          $329                   1.33                     
  $ 15001 -  20000                 $17,444          $590                   1.79                     
  $ 20001 -  25000                 $22,468        $1,008                   1.73                     
  $ 25001 -  30000                 $27,472        $1,426                   1.86                     
  $ 30001 -  35000                 $32,462        $1,864                   1.86                     
  $ 35001 -  40000                 $37,527        $2,239                   2.21                     
  $ 40001 -  45000                 $42,496        $3,025                   2.20                     
  $ 45001 -  50000                 $47,529        $4,102                   2.03                     
  $ 50001 -  75000                 $61,052        $4,671                   2.64                     
  $ 75001 - 100000                 $86,103        $7,579                   3.18                     
  $100001 - 250000                $144,615       $19,913                   3.44                     
  OVER $250,000                   $757,073      $170,022                   3.78                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $46,001        $6,283                   1.93                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               23      $-400,591          $750     -0.19          40                      
  $     1  -  5000      198       $544,804        $1,523      0.28          80                      
  $  5001 -  10000      179     $1,333,539       $24,839      1.86         144                      
  $ 10001 -  15000      153     $1,935,505       $58,058      3.00         186                      
  $ 15001 -  20000      147     $2,540,127       $86,645      3.41         221                      
  $ 20001 -  25000      142     $3,174,632      $144,064      4.54         245                      
  $ 25001 -  30000      107     $2,921,480      $170,858      5.85         191                      
  $ 30001 -  35000       96     $3,125,413      $158,504      5.07         238                      
  $ 35001 -  40000      101     $3,800,241      $166,124      4.37         292                      
  $ 40001 -  45000      100     $4,255,088      $273,067      6.42         235                      
  $ 45001 -  50000      108     $5,140,193      $279,335      5.43         318                      
  $ 50001 -  75000      445    $27,686,770    $1,832,666      6.62       1,500                      
  $ 75001 - 100000      241    $20,663,750    $1,768,745      8.56         862                      
  OVER $100,000         148    $19,846,119    $2,597,827     13.09         502                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,188     $96,567,070    $7,563,005      7.83        5,054                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -0.4           0.0                    0.8                     
  $     1  -  5000     9.0             0.6           0.0                    1.6                     
  $  5001 -  10000     8.2             1.4           0.3                    2.8                     
  $ 10001 -  15000     7.0             2.0           0.8                    3.7                     
  $ 15001 -  20000     6.7             2.6           1.1                    4.4                     
  $ 20001 -  25000     6.5             3.3           1.9                    4.8                     
  $ 25001 -  30000     4.9             3.0           2.3                    3.8                     
  $ 30001 -  35000     4.4             3.2           2.1                    4.7                     
  $ 35001 -  40000     4.6             3.9           2.2                    5.8                     
  $ 40001 -  45000     4.6             4.4           3.6                    4.6                     
  $ 45001 -  50000     4.9             5.3           3.7                    6.3                     
  $ 50001 -  75000    20.3            28.7          24.2                   29.7                     
  $ 75001 - 100000    11.0            21.4          23.4                   17.1                     
  OVER $100,000        6.8            20.6          34.3                    9.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-17,417           $33                   1.74                     
  $     1  -  5000                  $2,752            $8                   0.40                     
  $  5001 -  10000                  $7,450          $139                   0.80                     
  $ 10001 -  15000                 $12,650          $379                   1.22                     
  $ 15001 -  20000                 $17,280          $589                   1.50                     
  $ 20001 -  25000                 $22,357        $1,015                   1.73                     
  $ 25001 -  30000                 $27,304        $1,597                   1.79                     
  $ 30001 -  35000                 $32,556        $1,651                   2.48                     
  $ 35001 -  40000                 $37,626        $1,645                   2.89                     
  $ 40001 -  45000                 $42,551        $2,731                   2.35                     
  $ 45001 -  50000                 $47,594        $2,586                   2.94                     
  $ 50001 -  75000                 $62,217        $4,118                   3.37                     
  $ 75001 - 100000                 $85,742        $7,339                   3.58                     
  OVER $100,000                   $134,095       $17,553                   3.39                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $44,135        $3,457                   2.31                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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      $-568,049           $72     -0.01          27                      
  $     1  -  5000       95       $279,021        $1,065      0.38          68                      
  $  5001 -  10000      101       $727,905        $7,243      1.00         148                      
  $ 10001 -  15000       81     $1,013,285       $18,541      1.83         171                      
  $ 15001 -  20000       67     $1,166,415       $27,876      2.39         155                      
  $ 20001 -  25000       61     $1,376,896       $39,487      2.87         160                      
  $ 25001 -  30000       54     $1,481,852       $39,998      2.70         188                      
  $ 30001 -  35000       58     $1,880,795       $74,226      3.95         176                      
  $ 35001 -  40000       44     $1,653,000       $67,153      4.06         132                      
  $ 40001 -  45000       48     $2,040,726      $111,825      5.48         154                      
  $ 45001 -  50000       47     $2,230,996      $138,246      6.20         143                      
  $ 50001 -  75000      159     $9,651,072      $699,774      7.25         539                      
  $ 75001 - 100000       74     $6,321,607      $611,708      9.68         245                      
  OVER $100,000          28     $4,003,617      $645,745     16.13          85                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                930     $33,259,138    $2,482,959      7.47        2,391                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.4            -1.7           0.0                    1.1                     
  $     1  -  5000    10.2             0.8           0.0                    2.8                     
  $  5001 -  10000    10.9             2.2           0.3                    6.2                     
  $ 10001 -  15000     8.7             3.0           0.7                    7.2                     
  $ 15001 -  20000     7.2             3.5           1.1                    6.5                     
  $ 20001 -  25000     6.6             4.1           1.6                    6.7                     
  $ 25001 -  30000     5.8             4.5           1.6                    7.9                     
  $ 30001 -  35000     6.2             5.7           3.0                    7.4                     
  $ 35001 -  40000     4.7             5.0           2.7                    5.5                     
  $ 40001 -  45000     5.2             6.1           4.5                    6.4                     
  $ 45001 -  50000     5.1             6.7           5.6                    6.0                     
  $ 50001 -  75000    17.1            29.0          28.2                   22.5                     
  $ 75001 - 100000     8.0            19.0          24.6                   10.2                     
  OVER $100,000        3.0            12.0          26.0                    3.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-43,696            $6                   2.08                     
  $     1  -  5000                  $2,937           $11                   0.72                     
  $  5001 -  10000                  $7,207           $72                   1.47                     
  $ 10001 -  15000                 $12,510          $229                   2.11                     
  $ 15001 -  20000                 $17,409          $416                   2.31                     
  $ 20001 -  25000                 $22,572          $647                   2.62                     
  $ 25001 -  30000                 $27,442          $741                   3.48                     
  $ 30001 -  35000                 $32,428        $1,280                   3.03                     
  $ 35001 -  40000                 $37,568        $1,526                   3.00                     
  $ 40001 -  45000                 $42,515        $2,330                   3.21                     
  $ 45001 -  50000                 $47,468        $2,941                   3.04                     
  $ 50001 -  75000                 $60,699        $4,401                   3.39                     
  $ 75001 - 100000                 $85,427        $8,266                   3.31                     
  OVER $100,000                   $142,986       $23,062                   3.04                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $35,763        $2,670                   2.57                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               16      $-455,795            $0      0.00          32                      
  $     1  -  5000      103       $254,193          $589      0.23          42                      
  $  5001 -  10000       83       $593,075       $10,507      1.77          83                      
  $ 10001 -  15000       73       $917,813       $20,652      2.25         110                      
  $ 15001 -  20000       52       $906,016       $24,350      2.69          85                      
  $ 20001 -  25000       47     $1,044,742       $42,620      4.08          92                      
  $ 25001 -  30000       42     $1,152,469       $52,896      4.59          85                      
  $ 30001 -  35000       34     $1,119,846       $65,384      5.84          74                      
  $ 35001 -  40000       41     $1,520,736      $100,677      6.62          79                      
  $ 40001 -  45000       45     $1,917,094      $132,703      6.92          98                      
  $ 45001 -  50000       35     $1,665,601       $99,243      5.96         102                      
  $ 50001 -  75000      132     $8,077,048      $584,721      7.24         414                      
  $ 75001 - 100000       78     $6,714,749      $575,951      8.58         269                      
  $100001 - 250000       88    $12,405,813    $1,648,887     13.29         327                      
  OVER $250,000          10     $4,167,809      $688,109     16.51          32                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                879     $42,001,209    $4,047,289      9.64        1,924                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.8            -1.1           0.0                    1.7                     
  $     1  -  5000    11.7             0.6           0.0                    2.2                     
  $  5001 -  10000     9.4             1.4           0.3                    4.3                     
  $ 10001 -  15000     8.3             2.2           0.5                    5.7                     
  $ 15001 -  20000     5.9             2.2           0.6                    4.4                     
  $ 20001 -  25000     5.3             2.5           1.1                    4.8                     
  $ 25001 -  30000     4.8             2.7           1.3                    4.4                     
  $ 30001 -  35000     3.9             2.7           1.6                    3.8                     
  $ 35001 -  40000     4.7             3.6           2.5                    4.1                     
  $ 40001 -  45000     5.1             4.6           3.3                    5.1                     
  $ 45001 -  50000     4.0             4.0           2.5                    5.3                     
  $ 50001 -  75000    15.0            19.2          14.4                   21.5                     
  $ 75001 - 100000     8.9            16.0          14.2                   14.0                     
  $100001 - 250000    10.0            29.5          40.7                   17.0                     
  OVER $250,000        1.1             9.9          17.0                    1.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-28,487            $0                   2.00                     
  $     1  -  5000                  $2,468            $6                   0.41                     
  $  5001 -  10000                  $7,145          $127                   1.00                     
  $ 10001 -  15000                 $12,573          $283                   1.51                     
  $ 15001 -  20000                 $17,423          $468                   1.63                     
  $ 20001 -  25000                 $22,229          $907                   1.96                     
  $ 25001 -  30000                 $27,440        $1,259                   2.02                     
  $ 30001 -  35000                 $32,937        $1,923                   2.18                     
  $ 35001 -  40000                 $37,091        $2,456                   1.93                     
  $ 40001 -  45000                 $42,602        $2,949                   2.18                     
  $ 45001 -  50000                 $47,589        $2,836                   2.91                     
  $ 50001 -  75000                 $61,190        $4,430                   3.14                     
  $ 75001 - 100000                 $86,087        $7,384                   3.45                     
  $100001 - 250000                $140,975       $18,737                   3.72                     
  OVER $250,000                   $416,781       $68,811                   3.20                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $47,783        $4,604                   2.19                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               51    $-3,999,758            $1     -0.00         113                      
  $     1  -  5000      325       $878,184          $975      0.11         277                      
  $  5001 -  10000      395     $2,976,076       $26,956      0.91         549                      
  $ 10001 -  15000      357     $4,421,988       $83,682      1.89         604                      
  $ 15001 -  20000      350     $6,093,918      $145,083      2.38         742                      
  $ 20001 -  25000      300     $6,731,528      $212,397      3.16         738                      
  $ 25001 -  30000      279     $7,649,943      $265,142      3.47         707                      
  $ 30001 -  35000      223     $7,244,020      $265,820      3.67         644                      
  $ 35001 -  40000      219     $8,157,515      $348,578      4.27         616                      
  $ 40001 -  45000      184     $7,792,780      $345,090      4.43         601                      
  $ 45001 -  50000      149     $7,095,914      $316,690      4.46         509                      
  $ 50001 -  75000      492    $29,707,620    $1,951,071      6.57       1,603                      
  $ 75001 - 100000      178    $15,016,015    $1,281,121      8.53         560                      
  $100001 - 250000      100    $12,918,458    $1,582,573     12.25         301                      
  OVER $250,000          17     $5,933,243    $1,228,906     20.71          63                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,619    $118,617,444    $8,054,085      6.79        8,627                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.4            -3.4           0.0                    1.3                     
  $     1  -  5000     9.0             0.7           0.0                    3.2                     
  $  5001 -  10000    10.9             2.5           0.3                    6.4                     
  $ 10001 -  15000     9.9             3.7           1.0                    7.0                     
  $ 15001 -  20000     9.7             5.1           1.8                    8.6                     
  $ 20001 -  25000     8.3             5.7           2.6                    8.6                     
  $ 25001 -  30000     7.7             6.4           3.3                    8.2                     
  $ 30001 -  35000     6.2             6.1           3.3                    7.5                     
  $ 35001 -  40000     6.1             6.9           4.3                    7.1                     
  $ 40001 -  45000     5.1             6.6           4.3                    7.0                     
  $ 45001 -  50000     4.1             6.0           3.9                    5.9                     
  $ 50001 -  75000    13.6            25.0          24.2                   18.6                     
  $ 75001 - 100000     4.9            12.7          15.9                    6.5                     
  $100001 - 250000     2.8            10.9          19.6                    3.5                     
  OVER $250,000        0.5             5.0          15.3                    0.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-78,427            $0                   2.22                     
  $     1  -  5000                  $2,702            $3                   0.85                     
  $  5001 -  10000                  $7,534           $68                   1.39                     
  $ 10001 -  15000                 $12,387          $234                   1.69                     
  $ 15001 -  20000                 $17,411          $415                   2.12                     
  $ 20001 -  25000                 $22,438          $708                   2.46                     
  $ 25001 -  30000                 $27,419          $950                   2.53                     
  $ 30001 -  35000                 $32,484        $1,192                   2.89                     
  $ 35001 -  40000                 $37,249        $1,592                   2.81                     
  $ 40001 -  45000                 $42,352        $1,875                   3.27                     
  $ 45001 -  50000                 $47,624        $2,125                   3.42                     
  $ 50001 -  75000                 $60,381        $3,966                   3.26                     
  $ 75001 - 100000                 $84,360        $7,197                   3.15                     
  $100001 - 250000                $129,185       $15,826                   3.01                     
  OVER $250,000                   $349,014       $72,289                   3.71                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $32,776        $2,226                   2.38                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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         140       $294,406          $421      0.14          73                      
  $  5001 -  10000      161     $1,183,511       $25,562      2.16          86                      
  $ 10001 -  15000       95     $1,181,050       $32,361      2.74         108                      
  $ 15001 -  20000       69     $1,173,002       $34,998      2.98         133                      
  $ 20001 -  25000       54     $1,221,670       $46,297      3.79         120                      
  $ 25001 -  30000       57     $1,576,443       $64,497      4.09         122                      
  $ 30001 -  35000       42     $1,364,567       $44,942      3.29         129                      
  $ 35001 -  40000       57     $2,145,521       $95,365      4.44         166                      
  $ 40001 -  45000       54     $2,294,444       $91,243      3.98         188                      
  $ 45001 -  50000       52     $2,478,823       $89,921      3.63         219                      
  $ 50001 -  75000      235    $14,374,954      $778,274      5.41         909                      
  $ 75001 - 100000      114     $9,700,899      $765,933      7.90         449                      
  OVER $100,000          99    $15,530,407    $1,988,443     12.80         390                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,229     $54,519,697    $4,058,257      7.44        3,092                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       11.4             0.5           0.0                    2.4                     
  $  5001 -  10000    13.1             2.2           0.6                    2.8                     
  $ 10001 -  15000     7.7             2.2           0.8                    3.5                     
  $ 15001 -  20000     5.6             2.2           0.9                    4.3                     
  $ 20001 -  25000     4.4             2.2           1.1                    3.9                     
  $ 25001 -  30000     4.6             2.9           1.6                    3.9                     
  $ 30001 -  35000     3.4             2.5           1.1                    4.2                     
  $ 35001 -  40000     4.6             3.9           2.3                    5.4                     
  $ 40001 -  45000     4.4             4.2           2.2                    6.1                     
  $ 45001 -  50000     4.2             4.5           2.2                    7.1                     
  $ 50001 -  75000    19.1            26.4          19.2                   29.4                     
  $ 75001 - 100000     9.3            17.8          18.9                   14.5                     
  OVER $100,000        8.1            28.5          49.0                   12.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,103            $3                   0.52                     
  $  5001 -  10000                  $7,351          $159                   0.53                     
  $ 10001 -  15000                 $12,432          $341                   1.14                     
  $ 15001 -  20000                 $17,000          $507                   1.93                     
  $ 20001 -  25000                 $22,624          $857                   2.22                     
  $ 25001 -  30000                 $27,657        $1,132                   2.14                     
  $ 30001 -  35000                 $32,490        $1,070                   3.07                     
  $ 35001 -  40000                 $37,641        $1,673                   2.91                     
  $ 40001 -  45000                 $42,490        $1,690                   3.48                     
  $ 45001 -  50000                 $47,670        $1,729                   4.21                     
  $ 50001 -  75000                 $61,170        $3,312                   3.87                     
  $ 75001 - 100000                 $85,096        $6,719                   3.94                     
  OVER $100,000                   $156,873       $20,085                   3.94                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $44,361        $3,302                   2.52                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               17    $-1,170,069       $12,943     -1.11          38                      
  $     1  -  5000      251       $686,876          $318      0.05         148                      
  $  5001 -  10000      221     $1,668,843       $28,380      1.70         224                      
  $ 10001 -  15000      205     $2,572,850       $58,067      2.26         335                      
  $ 15001 -  20000      187     $3,256,848       $84,520      2.60         396                      
  $ 20001 -  25000      210     $4,706,609      $140,035      2.98         524                      
  $ 25001 -  30000      170     $4,700,296      $140,243      2.98         513                      
  $ 30001 -  35000      143     $4,633,263      $149,621      3.23         477                      
  $ 35001 -  40000      156     $5,814,221      $188,402      3.24         560                      
  $ 40001 -  45000      156     $6,617,241      $248,533      3.76         578                      
  $ 45001 -  50000      139     $6,589,233      $276,945      4.20         545                      
  $ 50001 -  75000      444    $26,873,038    $1,532,571      5.70       1,758                      
  $ 75001 - 100000      115     $9,811,899      $832,766      8.49         429                      
  OVER $100,000          60    $12,599,459    $1,970,778     15.64         200                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,474     $89,360,607    $5,664,122      6.34        6,725                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.7            -1.3           0.2                    0.6                     
  $     1  -  5000    10.1             0.8           0.0                    2.2                     
  $  5001 -  10000     8.9             1.9           0.5                    3.3                     
  $ 10001 -  15000     8.3             2.9           1.0                    5.0                     
  $ 15001 -  20000     7.6             3.6           1.5                    5.9                     
  $ 20001 -  25000     8.5             5.3           2.5                    7.8                     
  $ 25001 -  30000     6.9             5.3           2.5                    7.6                     
  $ 30001 -  35000     5.8             5.2           2.6                    7.1                     
  $ 35001 -  40000     6.3             6.5           3.3                    8.3                     
  $ 40001 -  45000     6.3             7.4           4.4                    8.6                     
  $ 45001 -  50000     5.6             7.4           4.9                    8.1                     
  $ 50001 -  75000    17.9            30.1          27.1                   26.1                     
  $ 75001 - 100000     4.6            11.0          14.7                    6.4                     
  OVER $100,000        2.4            14.1          34.8                    3.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-68,828          $761                   2.24                     
  $     1  -  5000                  $2,737            $1                   0.59                     
  $  5001 -  10000                  $7,551          $128                   1.01                     
  $ 10001 -  15000                 $12,550          $283                   1.63                     
  $ 15001 -  20000                 $17,416          $452                   2.12                     
  $ 20001 -  25000                 $22,412          $667                   2.50                     
  $ 25001 -  30000                 $27,649          $825                   3.02                     
  $ 30001 -  35000                 $32,400        $1,046                   3.34                     
  $ 35001 -  40000                 $37,271        $1,208                   3.59                     
  $ 40001 -  45000                 $42,418        $1,593                   3.71                     
  $ 45001 -  50000                 $47,405        $1,992                   3.92                     
  $ 50001 -  75000                 $60,525        $3,452                   3.96                     
  $ 75001 - 100000                 $85,321        $7,241                   3.73                     
  OVER $100,000                   $209,991       $32,846                   3.33                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $36,120        $2,289                   2.72                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               19      $-775,638          $433     -0.06          30                      
  $     1  -  5000      155       $410,489        $1,521      0.37          99                      
  $  5001 -  10000      179     $1,322,199       $14,855      1.12         205                      
  $ 10001 -  15000      150     $1,877,882       $38,993      2.08         268                      
  $ 15001 -  20000      163     $2,880,616       $71,967      2.50         322                      
  $ 20001 -  25000      152     $3,402,879       $76,824      2.26         399                      
  $ 25001 -  30000      133     $3,626,404      $114,988      3.17         332                      
  $ 30001 -  35000      144     $4,696,504      $154,715      3.29         421                      
  $ 35001 -  40000      118     $4,422,850      $201,460      4.55         312                      
  $ 40001 -  45000      112     $4,767,430      $221,233      4.64         348                      
  $ 45001 -  50000      112     $5,324,502      $279,451      5.25         332                      
  $ 50001 -  75000      318    $19,231,078    $1,320,550      6.87         984                      
  $ 75001 - 100000      138    $11,730,077    $1,022,646      8.72         419                      
  $100001 - 250000       85    $11,675,672    $1,575,431     13.49         241                      
  OVER $250,000          13     $7,802,633    $1,917,265     24.57          33                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,991     $82,395,577    $7,012,332      8.51        4,745                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.0            -0.9           0.0                    0.6                     
  $     1  -  5000     7.8             0.5           0.0                    2.1                     
  $  5001 -  10000     9.0             1.6           0.2                    4.3                     
  $ 10001 -  15000     7.5             2.3           0.6                    5.6                     
  $ 15001 -  20000     8.2             3.5           1.0                    6.8                     
  $ 20001 -  25000     7.6             4.1           1.1                    8.4                     
  $ 25001 -  30000     6.7             4.4           1.6                    7.0                     
  $ 30001 -  35000     7.2             5.7           2.2                    8.9                     
  $ 35001 -  40000     5.9             5.4           2.9                    6.6                     
  $ 40001 -  45000     5.6             5.8           3.2                    7.3                     
  $ 45001 -  50000     5.6             6.5           4.0                    7.0                     
  $ 50001 -  75000    16.0            23.3          18.8                   20.7                     
  $ 75001 - 100000     6.9            14.2          14.6                    8.8                     
  $100001 - 250000     4.3            14.2          22.5                    5.1                     
  OVER $250,000        0.7             9.5          27.3                    0.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-40,823           $23                   1.58                     
  $     1  -  5000                  $2,648           $10                   0.64                     
  $  5001 -  10000                  $7,387           $83                   1.15                     
  $ 10001 -  15000                 $12,519          $260                   1.79                     
  $ 15001 -  20000                 $17,672          $442                   1.98                     
  $ 20001 -  25000                 $22,387          $505                   2.63                     
  $ 25001 -  30000                 $27,266          $865                   2.50                     
  $ 30001 -  35000                 $32,615        $1,074                   2.92                     
  $ 35001 -  40000                 $37,482        $1,707                   2.64                     
  $ 40001 -  45000                 $42,566        $1,975                   3.11                     
  $ 45001 -  50000                 $47,540        $2,495                   2.96                     
  $ 50001 -  75000                 $60,475        $4,153                   3.09                     
  $ 75001 - 100000                 $85,001        $7,410                   3.04                     
  $100001 - 250000                $137,361       $18,534                   2.84                     
  OVER $250,000                   $600,203      $147,482                   2.54                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $41,384        $3,522                   2.38                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               16      $-358,324            $0      0.00          39                      
  $     1  -  5000      137       $369,134          $786      0.21          81                      
  $  5001 -  10000      160     $1,206,937       $15,217      1.26         174                      
  $ 10001 -  15000      118     $1,498,523       $29,773      1.99         226                      
  $ 15001 -  20000      137     $2,405,997       $66,217      2.75         282                      
  $ 20001 -  25000      103     $2,320,741       $90,045      3.88         224                      
  $ 25001 -  30000      106     $2,920,544      $115,000      3.94         282                      
  $ 30001 -  35000       85     $2,778,219      $101,319      3.65         258                      
  $ 35001 -  40000       85     $3,195,806      $145,734      4.56         216                      
  $ 40001 -  45000       73     $3,107,314      $139,033      4.47         234                      
  $ 45001 -  50000       67     $3,176,362      $159,411      5.02         211                      
  $ 50001 -  75000      229    $13,923,085      $905,102      6.50         745                      
  $ 75001 - 100000       77     $6,469,872      $492,599      7.61         265                      
  OVER $100,000          74    $10,432,172    $1,455,803     13.95         242                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,467     $53,446,382    $3,716,039      6.95        3,479                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -0.7           0.0                    1.1                     
  $     1  -  5000     9.3             0.7           0.0                    2.3                     
  $  5001 -  10000    10.9             2.3           0.4                    5.0                     
  $ 10001 -  15000     8.0             2.8           0.8                    6.5                     
  $ 15001 -  20000     9.3             4.5           1.8                    8.1                     
  $ 20001 -  25000     7.0             4.3           2.4                    6.4                     
  $ 25001 -  30000     7.2             5.5           3.1                    8.1                     
  $ 30001 -  35000     5.8             5.2           2.7                    7.4                     
  $ 35001 -  40000     5.8             6.0           3.9                    6.2                     
  $ 40001 -  45000     5.0             5.8           3.7                    6.7                     
  $ 45001 -  50000     4.6             5.9           4.3                    6.1                     
  $ 50001 -  75000    15.6            26.1          24.4                   21.4                     
  $ 75001 - 100000     5.2            12.1          13.3                    7.6                     
  OVER $100,000        5.0            19.5          39.2                    7.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-22,395            $0                   2.44                     
  $     1  -  5000                  $2,694            $6                   0.59                     
  $  5001 -  10000                  $7,543           $95                   1.09                     
  $ 10001 -  15000                 $12,699          $252                   1.92                     
  $ 15001 -  20000                 $17,562          $483                   2.06                     
  $ 20001 -  25000                 $22,531          $874                   2.17                     
  $ 25001 -  30000                 $27,552        $1,085                   2.66                     
  $ 30001 -  35000                 $32,685        $1,192                   3.04                     
  $ 35001 -  40000                 $37,598        $1,715                   2.54                     
  $ 40001 -  45000                 $42,566        $1,905                   3.21                     
  $ 45001 -  50000                 $47,408        $2,379                   3.15                     
  $ 50001 -  75000                 $60,799        $3,952                   3.25                     
  $ 75001 - 100000                 $84,024        $6,397                   3.44                     
  OVER $100,000                   $140,975       $19,673                   3.27                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $36,432        $2,533                   2.37                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               33    $-1,160,189        $2,044     -0.18          53                      
  $     1  -  5000      179       $460,156        $1,372      0.30         104                      
  $  5001 -  10000      151     $1,110,364       $10,331      0.93         177                      
  $ 10001 -  15000      159     $1,991,259       $35,175      1.77         265                      
  $ 15001 -  20000      153     $2,640,183       $84,425      3.20         245                      
  $ 20001 -  25000      151     $3,381,080      $126,468      3.74         323                      
  $ 25001 -  30000      126     $3,463,537      $130,111      3.76         296                      
  $ 30001 -  35000      106     $3,454,926      $177,962      5.15         253                      
  $ 35001 -  40000       93     $3,484,358      $178,258      5.12         245                      
  $ 40001 -  45000       75     $3,192,255      $179,553      5.62         209                      
  $ 45001 -  50000       65     $3,091,117      $193,802      6.27         188                      
  $ 50001 -  75000      214    $13,244,627      $927,909      7.01         679                      
  $ 75001 - 100000       82     $7,060,101      $661,120      9.36         270                      
  OVER $100,000          38     $8,789,554    $1,555,350     17.70          97                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,625     $54,203,328    $4,263,880      7.87        3,404                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             2.0            -2.1           0.0                    1.6                     
  $     1  -  5000    11.0             0.8           0.0                    3.1                     
  $  5001 -  10000     9.3             2.0           0.2                    5.2                     
  $ 10001 -  15000     9.8             3.7           0.8                    7.8                     
  $ 15001 -  20000     9.4             4.9           2.0                    7.2                     
  $ 20001 -  25000     9.3             6.2           3.0                    9.5                     
  $ 25001 -  30000     7.8             6.4           3.1                    8.7                     
  $ 30001 -  35000     6.5             6.4           4.2                    7.4                     
  $ 35001 -  40000     5.7             6.4           4.2                    7.2                     
  $ 40001 -  45000     4.6             5.9           4.2                    6.1                     
  $ 45001 -  50000     4.0             5.7           4.5                    5.5                     
  $ 50001 -  75000    13.2            24.4          21.8                   19.9                     
  $ 75001 - 100000     5.0            13.0          15.5                    7.9                     
  OVER $100,000        2.3            16.2          36.5                    2.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-35,157           $62                   1.61                     
  $     1  -  5000                  $2,571            $8                   0.58                     
  $  5001 -  10000                  $7,353           $68                   1.17                     
  $ 10001 -  15000                 $12,524          $221                   1.67                     
  $ 15001 -  20000                 $17,256          $552                   1.60                     
  $ 20001 -  25000                 $22,391          $838                   2.14                     
  $ 25001 -  30000                 $27,488        $1,033                   2.35                     
  $ 30001 -  35000                 $32,594        $1,679                   2.39                     
  $ 35001 -  40000                 $37,466        $1,917                   2.63                     
  $ 40001 -  45000                 $42,563        $2,394                   2.79                     
  $ 45001 -  50000                 $47,556        $2,982                   2.89                     
  $ 50001 -  75000                 $61,891        $4,336                   3.17                     
  $ 75001 - 100000                 $86,099        $8,062                   3.29                     
  OVER $100,000                   $231,304       $40,930                   2.55                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $33,356        $2,624                   2.09                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               89    $-1,912,316          $929     -0.05         153                      
  $     1  -  5000    1,061     $2,643,376       $28,011      1.06         356                      
  $  5001 -  10000      764     $5,680,697      $113,558      2.00         594                      
  $ 10001 -  15000      625     $7,720,822      $221,548      2.87         797                      
  $ 15001 -  20000      485     $8,432,751      $302,882      3.59         760                      
  $ 20001 -  25000      459    $10,257,387      $402,009      3.92         915                      
  $ 25001 -  30000      416    $11,449,117      $480,241      4.19         939                      
  $ 30001 -  35000      347    $11,209,029      $577,885      5.16         759                      
  $ 35001 -  40000      336    $12,618,984      $563,738      4.47         920                      
  $ 40001 -  45000      345    $14,667,991      $681,634      4.65       1,041                      
  $ 45001 -  50000      305    $14,487,316      $677,159      4.67       1,045                      
  $ 50001 -  75000    1,532    $95,523,376    $5,455,492      5.71       5,765                      
  $ 75001 - 100000    1,041    $90,014,167    $6,796,349      7.55       4,068                      
  $100001 - 250000      881   $116,581,189   $13,739,145     11.79       3,602                      
  OVER $250,000          86    $52,350,651   $12,063,256     23.04         385                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,772    $451,724,537   $42,103,836      9.32       22,099                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.0            -0.4           0.0                    0.7                     
  $     1  -  5000    12.1             0.6           0.1                    1.6                     
  $  5001 -  10000     8.7             1.3           0.3                    2.7                     
  $ 10001 -  15000     7.1             1.7           0.5                    3.6                     
  $ 15001 -  20000     5.5             1.9           0.7                    3.4                     
  $ 20001 -  25000     5.2             2.3           1.0                    4.1                     
  $ 25001 -  30000     4.7             2.5           1.1                    4.2                     
  $ 30001 -  35000     4.0             2.5           1.4                    3.4                     
  $ 35001 -  40000     3.8             2.8           1.3                    4.2                     
  $ 40001 -  45000     3.9             3.2           1.6                    4.7                     
  $ 45001 -  50000     3.5             3.2           1.6                    4.7                     
  $ 50001 -  75000    17.5            21.1          13.0                   26.1                     
  $ 75001 - 100000    11.9            19.9          16.1                   18.4                     
  $100001 - 250000    10.0            25.8          32.6                   16.3                     
  OVER $250,000        1.0            11.6          28.7                    1.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-21,487           $10                   1.72                     
  $     1  -  5000                  $2,491           $26                   0.34                     
  $  5001 -  10000                  $7,435          $149                   0.78                     
  $ 10001 -  15000                 $12,353          $354                   1.28                     
  $ 15001 -  20000                 $17,387          $624                   1.57                     
  $ 20001 -  25000                 $22,347          $876                   1.99                     
  $ 25001 -  30000                 $27,522        $1,154                   2.26                     
  $ 30001 -  35000                 $32,303        $1,665                   2.19                     
  $ 35001 -  40000                 $37,557        $1,678                   2.74                     
  $ 40001 -  45000                 $42,516        $1,976                   3.02                     
  $ 45001 -  50000                 $47,499        $2,220                   3.43                     
  $ 50001 -  75000                 $62,352        $3,561                   3.76                     
  $ 75001 - 100000                 $86,469        $6,529                   3.91                     
  $100001 - 250000                $132,328       $15,595                   4.09                     
  OVER $250,000                   $608,729      $140,270                   4.48                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $51,496        $4,800                   2.52                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               30      $-240,460          $243     -0.10          53                      
  $     1  -  5000      829     $2,255,341        $1,519      0.07         677                      
  $  5001 -  10000      969     $7,314,314       $62,450      0.85       1,451                      
  $ 10001 -  15000      993    $12,428,756      $220,192      1.77       1,963                      
  $ 15001 -  20000    1,111    $19,492,712      $468,606      2.40       2,477                      
  $ 20001 -  25000    1,082    $24,294,532      $733,616      3.02       2,651                      
  $ 25001 -  30000      908    $24,801,094      $822,238      3.32       2,597                      
  $ 30001 -  35000      705    $22,910,878      $893,433      3.90       2,061                      
  $ 35001 -  40000      688    $25,790,849    $1,092,411      4.24       2,182                      
  $ 40001 -  45000      580    $24,624,263    $1,081,990      4.39       1,949                      
  $ 45001 -  50000      500    $23,673,725    $1,263,770      5.34       1,657                      
  $ 50001 -  75000    1,515    $91,044,755    $5,889,445      6.47       5,219                      
  $ 75001 - 100000      383    $32,020,890    $2,890,187      9.03       1,288                      
  OVER $100,000          90    $12,035,816    $1,807,754     15.02         287                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             10,383    $322,447,465   $17,227,854      5.34       26,512                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.3            -0.1           0.0                    0.2                     
  $     1  -  5000     8.0             0.7           0.0                    2.6                     
  $  5001 -  10000     9.3             2.3           0.4                    5.5                     
  $ 10001 -  15000     9.6             3.9           1.3                    7.4                     
  $ 15001 -  20000    10.7             6.0           2.7                    9.3                     
  $ 20001 -  25000    10.4             7.5           4.3                   10.0                     
  $ 25001 -  30000     8.7             7.7           4.8                    9.8                     
  $ 30001 -  35000     6.8             7.1           5.2                    7.8                     
  $ 35001 -  40000     6.6             8.0           6.3                    8.2                     
  $ 40001 -  45000     5.6             7.6           6.3                    7.4                     
  $ 45001 -  50000     4.8             7.3           7.3                    6.3                     
  $ 50001 -  75000    14.6            28.2          34.2                   19.7                     
  $ 75001 - 100000     3.7             9.9          16.8                    4.9                     
  OVER $100,000        0.9             3.7          10.5                    1.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                         $-8,015            $8                   1.77                     
  $     1  -  5000                  $2,721            $2                   0.82                     
  $  5001 -  10000                  $7,548           $64                   1.50                     
  $ 10001 -  15000                 $12,516          $222                   1.98                     
  $ 15001 -  20000                 $17,545          $422                   2.23                     
  $ 20001 -  25000                 $22,453          $678                   2.45                     
  $ 25001 -  30000                 $27,314          $906                   2.86                     
  $ 30001 -  35000                 $32,498        $1,267                   2.92                     
  $ 35001 -  40000                 $37,487        $1,588                   3.17                     
  $ 40001 -  45000                 $42,456        $1,866                   3.36                     
  $ 45001 -  50000                 $47,347        $2,528                   3.31                     
  $ 50001 -  75000                 $60,096        $3,887                   3.44                     
  $ 75001 - 100000                 $83,605        $7,546                   3.36                     
  OVER $100,000                   $133,731       $20,086                   3.19                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $31,055        $1,659                   2.55                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               14      $-246,097            $0      0.00          29                      
  $     1  -  5000      102       $303,221          $149      0.05          82                      
  $  5001 -  10000      140     $1,037,028       $11,785      1.14         165                      
  $ 10001 -  15000      127     $1,588,568       $26,253      1.65         250                      
  $ 15001 -  20000      138     $2,402,042       $51,129      2.13         307                      
  $ 20001 -  25000      115     $2,573,997       $79,229      3.08         292                      
  $ 25001 -  30000       83     $2,314,588       $82,237      3.55         222                      
  $ 30001 -  35000       75     $2,440,049       $74,083      3.04         236                      
  $ 35001 -  40000       79     $2,968,274       $86,482      2.91         281                      
  $ 40001 -  45000       70     $2,980,149      $127,086      4.26         245                      
  $ 45001 -  50000       59     $2,809,687      $137,190      4.88         200                      
  $ 50001 -  75000      155     $9,164,935      $555,194      6.06         558                      
  $ 75001 - 100000       39     $3,227,318      $269,449      8.35         132                      
  $100001 - 250000       16     $2,195,404      $287,514     13.10          49                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,212     $35,759,163    $1,787,780      5.00        3,048                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.2            -0.7           0.0                    1.0                     
  $     1  -  5000     8.4             0.8           0.0                    2.7                     
  $  5001 -  10000    11.6             2.9           0.7                    5.4                     
  $ 10001 -  15000    10.5             4.4           1.5                    8.2                     
  $ 15001 -  20000    11.4             6.7           2.9                   10.1                     
  $ 20001 -  25000     9.5             7.2           4.4                    9.6                     
  $ 25001 -  30000     6.8             6.5           4.6                    7.3                     
  $ 30001 -  35000     6.2             6.8           4.1                    7.7                     
  $ 35001 -  40000     6.5             8.3           4.8                    9.2                     
  $ 40001 -  45000     5.8             8.3           7.1                    8.0                     
  $ 45001 -  50000     4.9             7.9           7.7                    6.6                     
  $ 50001 -  75000    12.8            25.6          31.1                   18.3                     
  $ 75001 - 100000     3.2             9.0          15.1                    4.3                     
  $100001 - 250000     1.3             6.1          16.1                    1.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-17,578            $0                   2.07                     
  $     1  -  5000                  $2,973            $1                   0.80                     
  $  5001 -  10000                  $7,407           $84                   1.18                     
  $ 10001 -  15000                 $12,508          $207                   1.97                     
  $ 15001 -  20000                 $17,406          $371                   2.22                     
  $ 20001 -  25000                 $22,383          $689                   2.54                     
  $ 25001 -  30000                 $27,887          $991                   2.67                     
  $ 30001 -  35000                 $32,534          $988                   3.15                     
  $ 35001 -  40000                 $37,573        $1,095                   3.56                     
  $ 40001 -  45000                 $42,574        $1,816                   3.50                     
  $ 45001 -  50000                 $47,622        $2,325                   3.39                     
  $ 50001 -  75000                 $59,129        $3,582                   3.60                     
  $ 75001 - 100000                 $82,752        $6,909                   3.38                     
  $100001 - 250000                $137,213       $17,970                   3.06                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $29,504        $1,475                   2.51                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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              149    $-2,983,284        $4,701     -0.16         268                      
  $     1  -  5000    2,238     $5,921,366       $13,908      0.23       1,161                      
  $  5001 -  10000    2,011    $14,829,768      $236,641      1.60       1,922                      
  $ 10001 -  15000    1,824    $22,798,486      $583,416      2.56       2,637                      
  $ 15001 -  20000    1,766    $30,835,319    $1,104,436      3.58       2,994                      
  $ 20001 -  25000    1,674    $37,594,818    $1,587,636      4.22       3,263                      
  $ 25001 -  30000    1,430    $39,305,838    $1,777,368      4.52       3,122                      
  $ 30001 -  35000    1,201    $38,920,988    $1,930,440      4.96       2,815                      
  $ 35001 -  40000    1,196    $44,825,219    $2,269,461      5.06       3,121                      
  $ 40001 -  45000    1,145    $48,571,520    $2,668,807      5.49       3,201                      
  $ 45001 -  50000    1,130    $53,692,896    $3,139,486      5.85       3,284                      
  $ 50001 -  75000    4,226   $259,794,751   $17,975,278      6.92      13,691                      
  $ 75001 - 100000    2,235   $191,600,125   $16,590,760      8.66       7,725                      
  $100001 - 250000    1,733   $227,555,476   $29,561,490     12.99       6,083                      
  OVER $250,000         133    $58,183,361   $13,068,964     22.46         496                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             24,091  $1,071,446,647   $92,512,792      8.63       55,783                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.6            -0.3           0.0                    0.5                     
  $     1  -  5000     9.3             0.6           0.0                    2.1                     
  $  5001 -  10000     8.3             1.4           0.3                    3.4                     
  $ 10001 -  15000     7.6             2.1           0.6                    4.7                     
  $ 15001 -  20000     7.3             2.9           1.2                    5.4                     
  $ 20001 -  25000     6.9             3.5           1.7                    5.8                     
  $ 25001 -  30000     5.9             3.7           1.9                    5.6                     
  $ 30001 -  35000     5.0             3.6           2.1                    5.0                     
  $ 35001 -  40000     5.0             4.2           2.5                    5.6                     
  $ 40001 -  45000     4.8             4.5           2.9                    5.7                     
  $ 45001 -  50000     4.7             5.0           3.4                    5.9                     
  $ 50001 -  75000    17.5            24.2          19.4                   24.5                     
  $ 75001 - 100000     9.3            17.9          17.9                   13.8                     
  $100001 - 250000     7.2            21.2          32.0                   10.9                     
  OVER $250,000        0.6             5.4          14.1                    0.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-20,022           $32                   1.80                     
  $     1  -  5000                  $2,646            $6                   0.52                     
  $  5001 -  10000                  $7,374          $118                   0.96                     
  $ 10001 -  15000                 $12,499          $320                   1.45                     
  $ 15001 -  20000                 $17,461          $625                   1.70                     
  $ 20001 -  25000                 $22,458          $948                   1.95                     
  $ 25001 -  30000                 $27,487        $1,243                   2.18                     
  $ 30001 -  35000                 $32,407        $1,607                   2.34                     
  $ 35001 -  40000                 $37,479        $1,898                   2.61                     
  $ 40001 -  45000                 $42,421        $2,331                   2.80                     
  $ 45001 -  50000                 $47,516        $2,778                   2.91                     
  $ 50001 -  75000                 $61,475        $4,253                   3.24                     
  $ 75001 - 100000                 $85,727        $7,423                   3.46                     
  $100001 - 250000                $131,307       $17,058                   3.51                     
  OVER $250,000                   $437,469       $98,263                   3.73                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $44,475        $3,840                   2.32                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                              
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               73   $-22,385,493          $449     -0.00         158                      
  $     1  -  5000      747     $2,041,819        $9,974      0.49         399                      
  $  5001 -  10000      739     $5,514,192       $81,517      1.48         858                      
  $ 10001 -  15000      669     $8,285,056      $165,923      2.00       1,223                      
  $ 15001 -  20000      644    $11,329,907      $314,454      2.78       1,401                      
  $ 20001 -  25000      560    $12,598,576      $438,389      3.48       1,267                      
  $ 25001 -  30000      581    $15,992,561      $565,818      3.54       1,551                      
  $ 30001 -  35000      585    $19,038,111      $646,008      3.39       1,705                      
  $ 35001 -  40000      579    $21,718,294      $779,987      3.59       1,819                      
  $ 40001 -  45000      600    $25,473,016      $989,856      3.89       1,957                      
  $ 45001 -  50000      597    $28,318,440    $1,105,619      3.90       2,112                      
  $ 50001 -  75000    2,023   $123,067,699    $6,614,543      5.37       7,432                      
  $ 75001 - 100000      815    $69,889,121    $4,964,657      7.10       3,279                      
  $100001 - 250000      475    $62,061,194    $7,364,536     11.87       1,870                      
  OVER $250,000          40    $21,028,208    $5,211,410     24.78         166                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              9,727    $403,970,701   $29,253,140      7.24       27,197                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -5.5           0.0                    0.6                     
  $     1  -  5000     7.7             0.5           0.0                    1.5                     
  $  5001 -  10000     7.6             1.4           0.3                    3.2                     
  $ 10001 -  15000     6.9             2.1           0.6                    4.5                     
  $ 15001 -  20000     6.6             2.8           1.1                    5.2                     
  $ 20001 -  25000     5.8             3.1           1.5                    4.7                     
  $ 25001 -  30000     6.0             4.0           1.9                    5.7                     
  $ 30001 -  35000     6.0             4.7           2.2                    6.3                     
  $ 35001 -  40000     6.0             5.4           2.7                    6.7                     
  $ 40001 -  45000     6.2             6.3           3.4                    7.2                     
  $ 45001 -  50000     6.1             7.0           3.8                    7.8                     
  $ 50001 -  75000    20.8            30.5          22.6                   27.3                     
  $ 75001 - 100000     8.4            17.3          17.0                   12.1                     
  $100001 - 250000     4.9            15.4          25.2                    6.9                     
  OVER $250,000        0.4             5.2          17.8                    0.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-306651            $6                   2.16                     
  $     1  -  5000                  $2,733           $13                   0.53                     
  $  5001 -  10000                  $7,462          $110                   1.16                     
  $ 10001 -  15000                 $12,384          $248                   1.83                     
  $ 15001 -  20000                 $17,593          $488                   2.18                     
  $ 20001 -  25000                 $22,497          $783                   2.26                     
  $ 25001 -  30000                 $27,526          $974                   2.67                     
  $ 30001 -  35000                 $32,544        $1,104                   2.91                     
  $ 35001 -  40000                 $37,510        $1,347                   3.14                     
  $ 40001 -  45000                 $42,455        $1,650                   3.26                     
  $ 45001 -  50000                 $47,435        $1,852                   3.54                     
  $ 50001 -  75000                 $60,834        $3,270                   3.67                     
  $ 75001 - 100000                 $85,754        $6,092                   4.02                     
  $100001 - 250000                $130,655       $15,504                   3.94                     
  OVER $250,000                   $525,705      $130,285                   4.15                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $41,531        $3,007                   2.80                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               63    $-1,753,036        $1,687     -0.10         113                      
  $     1  -  5000      392     $1,012,770        $8,336      0.82         161                      
  $  5001 -  10000      316     $2,335,501       $45,349      1.94         274                      
  $ 10001 -  15000      237     $2,945,132       $87,617      2.97         368                      
  $ 15001 -  20000      190     $3,284,208       $93,012      2.83         411                      
  $ 20001 -  25000      159     $3,558,598      $132,827      3.73         364                      
  $ 25001 -  30000      124     $3,385,826      $167,368      4.94         278                      
  $ 30001 -  35000      109     $3,531,294      $132,093      3.74         324                      
  $ 35001 -  40000      124     $4,642,301      $168,313      3.63         380                      
  $ 40001 -  45000       90     $3,823,656      $128,507      3.36         318                      
  $ 45001 -  50000      111     $5,291,887      $203,465      3.84         429                      
  $ 50001 -  75000      428    $26,676,213    $1,401,276      5.25       1,649                      
  $ 75001 - 100000      293    $25,355,869    $1,596,192      6.30       1,324                      
  $100001 - 250000      287    $38,942,117    $4,376,639     11.24       1,277                      
  OVER $250,000          55    $28,350,080    $6,480,560     22.86         252                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,978    $151,382,416   $15,023,241      9.92        7,922                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             2.1            -1.2           0.0                    1.4                     
  $     1  -  5000    13.2             0.7           0.1                    2.0                     
  $  5001 -  10000    10.6             1.5           0.3                    3.5                     
  $ 10001 -  15000     8.0             1.9           0.6                    4.6                     
  $ 15001 -  20000     6.4             2.2           0.6                    5.2                     
  $ 20001 -  25000     5.3             2.4           0.9                    4.6                     
  $ 25001 -  30000     4.2             2.2           1.1                    3.5                     
  $ 30001 -  35000     3.7             2.3           0.9                    4.1                     
  $ 35001 -  40000     4.2             3.1           1.1                    4.8                     
  $ 40001 -  45000     3.0             2.5           0.9                    4.0                     
  $ 45001 -  50000     3.7             3.5           1.4                    5.4                     
  $ 50001 -  75000    14.4            17.6           9.3                   20.8                     
  $ 75001 - 100000     9.8            16.7          10.6                   16.7                     
  $100001 - 250000     9.6            25.7          29.1                   16.1                     
  OVER $250,000        1.8            18.7          43.1                    3.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-27,826           $27                   1.79                     
  $     1  -  5000                  $2,584           $21                   0.41                     
  $  5001 -  10000                  $7,391          $144                   0.87                     
  $ 10001 -  15000                 $12,427          $370                   1.55                     
  $ 15001 -  20000                 $17,285          $490                   2.16                     
  $ 20001 -  25000                 $22,381          $835                   2.29                     
  $ 25001 -  30000                 $27,305        $1,350                   2.24                     
  $ 30001 -  35000                 $32,397        $1,212                   2.97                     
  $ 35001 -  40000                 $37,438        $1,357                   3.06                     
  $ 40001 -  45000                 $42,485        $1,428                   3.53                     
  $ 45001 -  50000                 $47,675        $1,833                   3.86                     
  $ 50001 -  75000                 $62,328        $3,274                   3.85                     
  $ 75001 - 100000                 $86,539        $5,448                   4.52                     
  $100001 - 250000                $135,687       $15,250                   4.45                     
  OVER $250,000                   $515,456      $117,828                   4.58                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $50,834        $5,045                   2.66                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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              135    $-1,565,536          $318     -0.02         237                      
  $     1  -  5000    1,802     $5,108,416       $11,858      0.23       1,321                      
  $  5001 -  10000    2,276    $16,928,677      $199,243      1.18       2,639                      
  $ 10001 -  15000    1,992    $24,937,626      $511,434      2.05       3,197                      
  $ 15001 -  20000    1,824    $31,928,904      $860,748      2.70       3,446                      
  $ 20001 -  25000    1,457    $32,574,836    $1,023,382      3.14       3,280                      
  $ 25001 -  30000    1,225    $33,601,900    $1,308,497      3.89       2,807                      
  $ 30001 -  35000      913    $29,661,499    $1,262,028      4.25       2,281                      
  $ 35001 -  40000      735    $27,560,226    $1,252,805      4.55       2,018                      
  $ 40001 -  45000      645    $27,401,967    $1,433,247      5.23       1,873                      
  $ 45001 -  50000      569    $26,979,045    $1,566,733      5.81       1,692                      
  $ 50001 -  75000    1,616    $98,583,102    $7,002,528      7.10       5,282                      
  $ 75001 - 100000      698    $59,802,177    $5,572,441      9.32       2,249                      
  $100001 - 250000      603    $83,292,300   $11,254,912     13.51       1,938                      
  OVER $250,000         100    $43,105,320    $8,810,831     20.44         331                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             16,590    $539,900,459   $42,071,005      7.79       34,591                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -0.3           0.0                    0.7                     
  $     1  -  5000    10.9             0.9           0.0                    3.8                     
  $  5001 -  10000    13.7             3.1           0.5                    7.6                     
  $ 10001 -  15000    12.0             4.6           1.2                    9.2                     
  $ 15001 -  20000    11.0             5.9           2.0                   10.0                     
  $ 20001 -  25000     8.8             6.0           2.4                    9.5                     
  $ 25001 -  30000     7.4             6.2           3.1                    8.1                     
  $ 30001 -  35000     5.5             5.5           3.0                    6.6                     
  $ 35001 -  40000     4.4             5.1           3.0                    5.8                     
  $ 40001 -  45000     3.9             5.1           3.4                    5.4                     
  $ 45001 -  50000     3.4             5.0           3.7                    4.9                     
  $ 50001 -  75000     9.7            18.3          16.6                   15.3                     
  $ 75001 - 100000     4.2            11.1          13.2                    6.5                     
  $100001 - 250000     3.6            15.4          26.8                    5.6                     
  OVER $250,000        0.6             8.0          20.9                    1.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-11,597            $2                   1.76                     
  $     1  -  5000                  $2,835            $7                   0.73                     
  $  5001 -  10000                  $7,438           $88                   1.16                     
  $ 10001 -  15000                 $12,519          $257                   1.60                     
  $ 15001 -  20000                 $17,505          $472                   1.89                     
  $ 20001 -  25000                 $22,357          $702                   2.25                     
  $ 25001 -  30000                 $27,430        $1,068                   2.29                     
  $ 30001 -  35000                 $32,488        $1,382                   2.50                     
  $ 35001 -  40000                 $37,497        $1,704                   2.75                     
  $ 40001 -  45000                 $42,484        $2,222                   2.90                     
  $ 45001 -  50000                 $47,415        $2,753                   2.97                     
  $ 50001 -  75000                 $61,004        $4,333                   3.27                     
  $ 75001 - 100000                 $85,676        $7,983                   3.22                     
  $100001 - 250000                $138,130       $18,665                   3.21                     
  OVER $250,000                   $431,053       $88,108                   3.31                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $32,544        $2,536                   2.09                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               35      $-818,420        $1,762     -0.22          60                      
  $     1  -  5000      666     $1,895,336        $2,549      0.13         564                      
  $  5001 -  10000      771     $5,766,742       $58,184      1.01       1,063                      
  $ 10001 -  15000      825    $10,409,186      $206,482      1.98       1,519                      
  $ 15001 -  20000      929    $16,353,661      $466,375      2.85       1,926                      
  $ 20001 -  25000      853    $19,181,846      $668,279      3.48       1,942                      
  $ 25001 -  30000      725    $19,885,112      $710,009      3.57       1,959                      
  $ 30001 -  35000      652    $21,084,306      $903,080      4.28       1,810                      
  $ 35001 -  40000      582    $21,785,350      $929,411      4.27       1,769                      
  $ 40001 -  45000      562    $23,796,739    $1,149,610      4.83       1,752                      
  $ 45001 -  50000      521    $24,696,734    $1,292,098      5.23       1,685                      
  $ 50001 -  75000    1,379    $83,854,838    $5,858,468      6.99       4,524                      
  $ 75001 - 100000      411    $34,548,180    $3,099,383      8.97       1,330                      
  OVER $100,000         108    $13,761,090    $1,877,735     13.65         345                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              9,019    $296,200,700   $17,223,425      5.81       22,248                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.3           0.0                    0.3                     
  $     1  -  5000     7.4             0.6           0.0                    2.5                     
  $  5001 -  10000     8.5             1.9           0.3                    4.8                     
  $ 10001 -  15000     9.1             3.5           1.2                    6.8                     
  $ 15001 -  20000    10.3             5.5           2.7                    8.7                     
  $ 20001 -  25000     9.5             6.5           3.9                    8.7                     
  $ 25001 -  30000     8.0             6.7           4.1                    8.8                     
  $ 30001 -  35000     7.2             7.1           5.2                    8.1                     
  $ 35001 -  40000     6.5             7.4           5.4                    8.0                     
  $ 40001 -  45000     6.2             8.0           6.7                    7.9                     
  $ 45001 -  50000     5.8             8.3           7.5                    7.6                     
  $ 50001 -  75000    15.3            28.3          34.0                   20.3                     
  $ 75001 - 100000     4.6            11.7          18.0                    6.0                     
  OVER $100,000        1.2             4.6          10.9                    1.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-23,383           $50                   1.71                     
  $     1  -  5000                  $2,846            $4                   0.85                     
  $  5001 -  10000                  $7,480           $75                   1.38                     
  $ 10001 -  15000                 $12,617          $250                   1.84                     
  $ 15001 -  20000                 $17,604          $502                   2.07                     
  $ 20001 -  25000                 $22,488          $783                   2.28                     
  $ 25001 -  30000                 $27,428          $979                   2.70                     
  $ 30001 -  35000                 $32,338        $1,385                   2.78                     
  $ 35001 -  40000                 $37,432        $1,597                   3.04                     
  $ 40001 -  45000                 $42,343        $2,046                   3.12                     
  $ 45001 -  50000                 $47,403        $2,480                   3.23                     
  $ 50001 -  75000                 $60,808        $4,248                   3.28                     
  $ 75001 - 100000                 $84,059        $7,541                   3.24                     
  OVER $100,000                   $127,418       $17,386                   3.19                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $32,842        $1,910                   2.47                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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 $1               14       $-84,082          $151     -0.18          22                      
  $     1  -  5000      147       $381,076          $962      0.25         102                      
  $  5001 -  10000      104       $770,620        $6,536      0.85         141                      
  $ 10001 -  15000      120     $1,479,603       $19,735      1.33         279                      
  $ 15001 -  20000       96     $1,698,818       $33,792      1.99         219                      
  $ 20001 -  25000       74     $1,636,156       $41,640      2.54         200                      
  $ 25001 -  30000       67     $1,846,170       $41,268      2.24         214                      
  $ 30001 -  35000       53     $1,725,396       $50,293      2.91         179                      
  $ 35001 -  40000       52     $1,952,879       $64,884      3.32         193                      
  $ 40001 -  45000       37     $1,585,113       $68,448      4.32         120                      
  $ 45001 -  50000       42     $1,979,288       $85,146      4.30         157                      
  $ 50001 -  75000      143     $8,470,638      $493,773      5.83         559                      
  $ 75001 - 100000       46     $3,961,451      $324,616      8.19         179                      
  OVER $100,000          18     $2,696,299      $384,249     14.25          59                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,013     $30,099,425    $1,615,493      5.37        2,623                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.4            -0.3           0.0                    0.8                     
  $     1  -  5000    14.5             1.3           0.1                    3.9                     
  $  5001 -  10000    10.3             2.6           0.4                    5.4                     
  $ 10001 -  15000    11.8             4.9           1.2                   10.6                     
  $ 15001 -  20000     9.5             5.6           2.1                    8.3                     
  $ 20001 -  25000     7.3             5.4           2.6                    7.6                     
  $ 25001 -  30000     6.6             6.1           2.6                    8.2                     
  $ 30001 -  35000     5.2             5.7           3.1                    6.8                     
  $ 35001 -  40000     5.1             6.5           4.0                    7.4                     
  $ 40001 -  45000     3.7             5.3           4.2                    4.6                     
  $ 45001 -  50000     4.1             6.6           5.3                    6.0                     
  $ 50001 -  75000    14.1            28.1          30.6                   21.3                     
  $ 75001 - 100000     4.5            13.2          20.1                    6.8                     
  OVER $100,000        1.8             9.0          23.8                    2.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                         $-6,006           $11                   1.57                     
  $     1  -  5000                  $2,592            $7                   0.69                     
  $  5001 -  10000                  $7,410           $63                   1.36                     
  $ 10001 -  15000                 $12,330          $164                   2.33                     
  $ 15001 -  20000                 $17,696          $352                   2.28                     
  $ 20001 -  25000                 $22,110          $563                   2.70                     
  $ 25001 -  30000                 $27,555          $616                   3.19                     
  $ 30001 -  35000                 $32,555          $949                   3.38                     
  $ 35001 -  40000                 $37,555        $1,248                   3.71                     
  $ 40001 -  45000                 $42,841        $1,850                   3.24                     
  $ 45001 -  50000                 $47,126        $2,027                   3.74                     
  $ 50001 -  75000                 $59,235        $3,453                   3.91                     
  $ 75001 - 100000                 $86,119        $7,057                   3.89                     
  OVER $100,000                   $149,794       $21,347                   3.28                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $29,713        $1,595                   2.59                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               39    $-3,261,194            $0      0.00          95                      
  $     1  -  5000      299       $774,711        $2,026      0.26         131                      
  $  5001 -  10000      214     $1,538,233       $31,098      2.02         179                      
  $ 10001 -  15000      188     $2,308,140       $53,526      2.32         306                      
  $ 15001 -  20000      145     $2,518,305       $58,166      2.31         308                      
  $ 20001 -  25000      104     $2,339,071       $84,277      3.60         214                      
  $ 25001 -  30000      105     $2,869,838       $95,100      3.31         246                      
  $ 30001 -  35000       93     $2,988,988      $116,568      3.90         246                      
  $ 35001 -  40000       63     $2,363,135       $94,583      4.00         192                      
  $ 40001 -  45000       97     $4,117,865      $153,268      3.72         338                      
  $ 45001 -  50000       75     $3,583,171      $173,317      4.84         250                      
  $ 50001 -  75000      333    $20,627,836    $1,058,523      5.13       1,279                      
  $ 75001 - 100000      247    $21,092,391    $1,363,906      6.47       1,086                      
  $100001 - 250000      199    $27,045,992    $3,135,838     11.59         803                      
  OVER $250,000          32    $18,819,207    $4,746,797     25.22         127                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,233    $109,725,689   $11,166,993     10.18        5,800                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.7            -3.0           0.0                    1.6                     
  $     1  -  5000    13.4             0.7           0.0                    2.3                     
  $  5001 -  10000     9.6             1.4           0.3                    3.1                     
  $ 10001 -  15000     8.4             2.1           0.5                    5.3                     
  $ 15001 -  20000     6.5             2.3           0.5                    5.3                     
  $ 20001 -  25000     4.7             2.1           0.8                    3.7                     
  $ 25001 -  30000     4.7             2.6           0.9                    4.2                     
  $ 30001 -  35000     4.2             2.7           1.0                    4.2                     
  $ 35001 -  40000     2.8             2.2           0.8                    3.3                     
  $ 40001 -  45000     4.3             3.8           1.4                    5.8                     
  $ 45001 -  50000     3.4             3.3           1.6                    4.3                     
  $ 50001 -  75000    14.9            18.8           9.5                   22.1                     
  $ 75001 - 100000    11.1            19.2          12.2                   18.7                     
  $100001 - 250000     8.9            24.6          28.1                   13.8                     
  OVER $250,000        1.4            17.2          42.5                    2.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-83,620            $0                   2.44                     
  $     1  -  5000                  $2,591            $7                   0.44                     
  $  5001 -  10000                  $7,188          $145                   0.84                     
  $ 10001 -  15000                 $12,277          $285                   1.63                     
  $ 15001 -  20000                 $17,368          $401                   2.12                     
  $ 20001 -  25000                 $22,491          $810                   2.06                     
  $ 25001 -  30000                 $27,332          $906                   2.34                     
  $ 30001 -  35000                 $32,140        $1,253                   2.65                     
  $ 35001 -  40000                 $37,510        $1,501                   3.05                     
  $ 40001 -  45000                 $42,452        $1,580                   3.48                     
  $ 45001 -  50000                 $47,776        $2,311                   3.33                     
  $ 50001 -  75000                 $61,945        $3,179                   3.84                     
  $ 75001 - 100000                 $85,394        $5,522                   4.40                     
  $100001 - 250000                $135,910       $15,758                   4.04                     
  OVER $250,000                   $588,100      $148,337                   3.97                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $49,138        $5,001                   2.60                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               82    $-1,545,834        $1,674     -0.11         117                      
  $     1  -  5000      828     $2,232,959        $4,310      0.19         847                      
  $  5001 -  10000    1,080     $8,188,396       $65,342      0.80       1,569                      
  $ 10001 -  15000    1,207    $15,122,179      $268,908      1.78       2,281                      
  $ 15001 -  20000    1,203    $20,974,404      $582,206      2.78       2,483                      
  $ 20001 -  25000    1,172    $26,305,000    $1,049,080      3.99       2,532                      
  $ 25001 -  30000    1,064    $29,157,618    $1,489,179      5.11       2,221                      
  $ 30001 -  35000      809    $26,200,448    $1,443,959      5.51       1,768                      
  $ 35001 -  40000      710    $26,566,494    $1,657,330      6.24       1,569                      
  $ 40001 -  45000      589    $24,992,480    $1,724,023      6.90       1,311                      
  $ 45001 -  50000      498    $23,607,411    $1,757,296      7.44       1,169                      
  $ 50001 -  75000    1,336    $81,134,717    $7,049,610      8.69       3,351                      
  $ 75001 - 100000      532    $45,332,894    $4,844,909     10.69       1,382                      
  $100001 - 250000      311    $40,210,309    $5,696,517     14.17         845                      
  OVER $250,000          20    $10,307,573    $2,452,488     23.79          50                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             11,441    $378,787,048   $30,086,831      7.94       23,495                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.7            -0.4           0.0                    0.5                     
  $     1  -  5000     7.2             0.6           0.0                    3.6                     
  $  5001 -  10000     9.4             2.2           0.2                    6.7                     
  $ 10001 -  15000    10.5             4.0           0.9                    9.7                     
  $ 15001 -  20000    10.5             5.5           1.9                   10.6                     
  $ 20001 -  25000    10.2             6.9           3.5                   10.8                     
  $ 25001 -  30000     9.3             7.7           4.9                    9.5                     
  $ 30001 -  35000     7.1             6.9           4.8                    7.5                     
  $ 35001 -  40000     6.2             7.0           5.5                    6.7                     
  $ 40001 -  45000     5.1             6.6           5.7                    5.6                     
  $ 45001 -  50000     4.4             6.2           5.8                    5.0                     
  $ 50001 -  75000    11.7            21.4          23.4                   14.3                     
  $ 75001 - 100000     4.6            12.0          16.1                    5.9                     
  $100001 - 250000     2.7            10.6          18.9                    3.6                     
  OVER $250,000        0.2             2.7           8.2                    0.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-18,852           $20                   1.43                     
  $     1  -  5000                  $2,697            $5                   1.02                     
  $  5001 -  10000                  $7,582           $61                   1.45                     
  $ 10001 -  15000                 $12,529          $223                   1.89                     
  $ 15001 -  20000                 $17,435          $484                   2.06                     
  $ 20001 -  25000                 $22,445          $895                   2.16                     
  $ 25001 -  30000                 $27,404        $1,400                   2.09                     
  $ 30001 -  35000                 $32,386        $1,785                   2.19                     
  $ 35001 -  40000                 $37,418        $2,334                   2.21                     
  $ 40001 -  45000                 $42,432        $2,927                   2.23                     
  $ 45001 -  50000                 $47,404        $3,529                   2.35                     
  $ 50001 -  75000                 $60,730        $5,277                   2.51                     
  $ 75001 - 100000                 $85,212        $9,107                   2.60                     
  $100001 - 250000                $129,294       $18,317                   2.72                     
  OVER $250,000                   $515,379      $122,624                   2.50                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $33,108        $2,630                   2.05                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               19    $-3,070,258           $78     -0.00          34                      
  $     1  -  5000      132       $361,044        $1,528      0.42          52                      
  $  5001 -  10000      131       $962,256       $25,925      2.69         123                      
  $ 10001 -  15000      106     $1,316,961       $26,344      2.00         201                      
  $ 15001 -  20000       82     $1,435,162       $40,086      2.79         140                      
  $ 20001 -  25000       79     $1,759,497       $69,146      3.93         169                      
  $ 25001 -  30000       65     $1,785,897       $73,693      4.13         156                      
  $ 30001 -  35000       71     $2,321,163      $109,443      4.72         188                      
  $ 35001 -  40000       55     $2,074,816      $102,951      4.96         129                      
  $ 40001 -  45000       46     $1,959,787       $95,234      4.86         124                      
  $ 45001 -  50000       56     $2,662,696      $147,938      5.56         156                      
  $ 50001 -  75000      189    $11,380,607      $756,010      6.64         581                      
  $ 75001 - 100000       97     $8,387,191      $656,803      7.83         338                      
  $100001 - 250000       88    $12,338,588    $1,476,264     11.96         287                      
  OVER $250,000          18    $11,840,930    $2,089,607     17.65          70                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,234     $57,516,337    $5,671,050      9.86        2,748                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.5            -5.3           0.0                    1.2                     
  $     1  -  5000    10.7             0.6           0.0                    1.9                     
  $  5001 -  10000    10.6             1.7           0.5                    4.5                     
  $ 10001 -  15000     8.6             2.3           0.5                    7.3                     
  $ 15001 -  20000     6.6             2.5           0.7                    5.1                     
  $ 20001 -  25000     6.4             3.1           1.2                    6.1                     
  $ 25001 -  30000     5.3             3.1           1.3                    5.7                     
  $ 30001 -  35000     5.8             4.0           1.9                    6.8                     
  $ 35001 -  40000     4.5             3.6           1.8                    4.7                     
  $ 40001 -  45000     3.7             3.4           1.7                    4.5                     
  $ 45001 -  50000     4.5             4.6           2.6                    5.7                     
  $ 50001 -  75000    15.3            19.8          13.3                   21.1                     
  $ 75001 - 100000     7.9            14.6          11.6                   12.3                     
  $100001 - 250000     7.1            21.5          26.0                   10.4                     
  OVER $250,000        1.5            20.6          36.8                    2.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-161593            $4                   1.79                     
  $     1  -  5000                  $2,735           $12                   0.39                     
  $  5001 -  10000                  $7,345          $198                   0.94                     
  $ 10001 -  15000                 $12,424          $249                   1.90                     
  $ 15001 -  20000                 $17,502          $489                   1.71                     
  $ 20001 -  25000                 $22,272          $875                   2.14                     
  $ 25001 -  30000                 $27,475        $1,134                   2.40                     
  $ 30001 -  35000                 $32,692        $1,541                   2.65                     
  $ 35001 -  40000                 $37,724        $1,872                   2.35                     
  $ 40001 -  45000                 $42,604        $2,070                   2.70                     
  $ 45001 -  50000                 $47,548        $2,642                   2.79                     
  $ 50001 -  75000                 $60,215        $4,000                   3.07                     
  $ 75001 - 100000                 $86,466        $6,771                   3.48                     
  $100001 - 250000                $140,211       $16,776                   3.26                     
  OVER $250,000                   $657,829      $116,089                   3.89                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $46,610        $4,596                   2.23                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                              
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               55    $-1,782,734        $1,934     -0.11          94                      
  $     1  -  5000      397     $1,117,357          $693      0.06         290                      
  $  5001 -  10000      437     $3,314,444       $28,259      0.85         576                      
  $ 10001 -  15000      420     $5,212,614      $113,191      2.17         662                      
  $ 15001 -  20000      371     $6,468,795      $224,456      3.47         625                      
  $ 20001 -  25000      303     $6,821,636      $308,540      4.52         570                      
  $ 25001 -  30000      282     $7,733,277      $364,665      4.72         592                      
  $ 30001 -  35000      174     $5,616,636      $312,629      5.57         379                      
  $ 35001 -  40000      185     $6,919,450      $453,416      6.55         410                      
  $ 40001 -  45000      125     $5,276,474      $311,049      5.90         349                      
  $ 45001 -  50000      112     $5,334,522      $366,868      6.88         293                      
  $ 50001 -  75000      360    $22,010,542    $1,743,888      7.92       1,049                      
  $ 75001 - 100000      144    $12,222,205    $1,275,068     10.43         386                      
  OVER $100,000          95    $20,619,384    $3,194,598     15.49         240                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,460    $106,884,602    $8,699,254      8.14        6,515                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.6            -1.7           0.0                    1.4                     
  $     1  -  5000    11.5             1.0           0.0                    4.5                     
  $  5001 -  10000    12.6             3.1           0.3                    8.8                     
  $ 10001 -  15000    12.1             4.9           1.3                   10.2                     
  $ 15001 -  20000    10.7             6.1           2.6                    9.6                     
  $ 20001 -  25000     8.8             6.4           3.5                    8.7                     
  $ 25001 -  30000     8.2             7.2           4.2                    9.1                     
  $ 30001 -  35000     5.0             5.3           3.6                    5.8                     
  $ 35001 -  40000     5.3             6.5           5.2                    6.3                     
  $ 40001 -  45000     3.6             4.9           3.6                    5.4                     
  $ 45001 -  50000     3.2             5.0           4.2                    4.5                     
  $ 50001 -  75000    10.4            20.6          20.0                   16.1                     
  $ 75001 - 100000     4.2            11.4          14.7                    5.9                     
  OVER $100,000        2.7            19.3          36.7                    3.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-32,413           $35                   1.71                     
  $     1  -  5000                  $2,815            $2                   0.73                     
  $  5001 -  10000                  $7,585           $65                   1.32                     
  $ 10001 -  15000                 $12,411          $270                   1.58                     
  $ 15001 -  20000                 $17,436          $605                   1.68                     
  $ 20001 -  25000                 $22,514        $1,018                   1.88                     
  $ 25001 -  30000                 $27,423        $1,293                   2.10                     
  $ 30001 -  35000                 $32,280        $1,797                   2.18                     
  $ 35001 -  40000                 $37,402        $2,451                   2.22                     
  $ 40001 -  45000                 $42,212        $2,488                   2.79                     
  $ 45001 -  50000                 $47,630        $3,276                   2.62                     
  $ 50001 -  75000                 $61,140        $4,844                   2.91                     
  $ 75001 - 100000                 $84,876        $8,855                   2.68                     
  OVER $100,000                   $217,046       $33,627                   2.53                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,892        $2,514                   1.88                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               16      $-548,451            $0      0.00          32                      
  $     1  -  5000      123       $312,322        $6,048      1.94          80                      
  $  5001 -  10000      104       $777,527        $9,275      1.19         118                      
  $ 10001 -  15000       91     $1,118,689       $19,368      1.73         174                      
  $ 15001 -  20000       76     $1,316,081       $31,101      2.36         153                      
  $ 20001 -  25000       66     $1,467,796       $31,737      2.16         177                      
  $ 25001 -  30000       53     $1,469,579       $50,454      3.43         140                      
  $ 30001 -  35000       41     $1,329,597       $50,872      3.83         117                      
  $ 35001 -  40000       65     $2,417,092      $106,070      4.39         189                      
  $ 40001 -  45000       47     $2,000,911       $96,243      4.81         144                      
  $ 45001 -  50000       32     $1,508,980       $78,831      5.22         113                      
  $ 50001 -  75000      134     $8,197,046      $515,338      6.29         501                      
  $ 75001 - 100000       37     $3,159,647      $277,778      8.79         117                      
  OVER $100,000          22     $2,933,086      $380,656     12.98          76                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                907     $27,459,902    $1,653,771      6.02        2,131                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.8            -2.0           0.0                    1.5                     
  $     1  -  5000    13.6             1.1           0.4                    3.8                     
  $  5001 -  10000    11.5             2.8           0.6                    5.5                     
  $ 10001 -  15000    10.0             4.1           1.2                    8.2                     
  $ 15001 -  20000     8.4             4.8           1.9                    7.2                     
  $ 20001 -  25000     7.3             5.3           1.9                    8.3                     
  $ 25001 -  30000     5.8             5.4           3.1                    6.6                     
  $ 30001 -  35000     4.5             4.8           3.1                    5.5                     
  $ 35001 -  40000     7.2             8.8           6.4                    8.9                     
  $ 40001 -  45000     5.2             7.3           5.8                    6.8                     
  $ 45001 -  50000     3.5             5.5           4.8                    5.3                     
  $ 50001 -  75000    14.8            29.9          31.2                   23.5                     
  $ 75001 - 100000     4.1            11.5          16.8                    5.5                     
  OVER $100,000        2.4            10.7          23.0                    3.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-34,278            $0                   2.00                     
  $     1  -  5000                  $2,539           $49                   0.65                     
  $  5001 -  10000                  $7,476           $89                   1.13                     
  $ 10001 -  15000                 $12,293          $213                   1.91                     
  $ 15001 -  20000                 $17,317          $409                   2.01                     
  $ 20001 -  25000                 $22,239          $481                   2.68                     
  $ 25001 -  30000                 $27,728          $952                   2.64                     
  $ 30001 -  35000                 $32,429        $1,241                   2.85                     
  $ 35001 -  40000                 $37,186        $1,632                   2.91                     
  $ 40001 -  45000                 $42,573        $2,048                   3.06                     
  $ 45001 -  50000                 $47,156        $2,463                   3.53                     
  $ 50001 -  75000                 $61,172        $3,846                   3.74                     
  $ 75001 - 100000                 $85,396        $7,508                   3.16                     
  OVER $100,000                   $133,322       $17,303                   3.45                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,276        $1,823                   2.35                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               19    $-1,383,823            $0      0.00          33                      
  $     1  -  5000      109       $264,045          $729      0.28          78                      
  $  5001 -  10000       85       $608,507        $5,311      0.87         113                      
  $ 10001 -  15000       78     $1,004,516       $14,668      1.46         162                      
  $ 15001 -  20000       68     $1,195,555       $37,720      3.16         128                      
  $ 20001 -  25000       63     $1,421,386       $42,709      3.00         152                      
  $ 25001 -  30000       49     $1,348,744       $41,500      3.08         137                      
  $ 30001 -  35000       48     $1,566,458       $54,181      3.46         160                      
  $ 35001 -  40000       31     $1,157,277       $52,655      4.55          91                      
  $ 40001 -  45000       55     $2,330,051      $127,082      5.45         173                      
  $ 45001 -  50000       31     $1,452,092       $80,094      5.52          93                      
  $ 50001 -  75000      121     $7,387,340      $456,403      6.18         438                      
  $ 75001 - 100000       28     $2,386,832      $206,369      8.65         103                      
  OVER $100,000          25     $3,713,401      $532,278     14.33          98                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                810     $24,452,381    $1,651,699      6.75        1,959                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             2.3            -5.7           0.0                    1.7                     
  $     1  -  5000    13.5             1.1           0.0                    4.0                     
  $  5001 -  10000    10.5             2.5           0.3                    5.8                     
  $ 10001 -  15000     9.6             4.1           0.9                    8.3                     
  $ 15001 -  20000     8.4             4.9           2.3                    6.5                     
  $ 20001 -  25000     7.8             5.8           2.6                    7.8                     
  $ 25001 -  30000     6.0             5.5           2.5                    7.0                     
  $ 30001 -  35000     5.9             6.4           3.3                    8.2                     
  $ 35001 -  40000     3.8             4.7           3.2                    4.6                     
  $ 40001 -  45000     6.8             9.5           7.7                    8.8                     
  $ 45001 -  50000     3.8             5.9           4.8                    4.7                     
  $ 50001 -  75000    14.9            30.2          27.6                   22.4                     
  $ 75001 - 100000     3.5             9.8          12.5                    5.3                     
  OVER $100,000        3.1            15.2          32.2                    5.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-72,833            $0                   1.74                     
  $     1  -  5000                  $2,422            $7                   0.72                     
  $  5001 -  10000                  $7,159           $62                   1.33                     
  $ 10001 -  15000                 $12,878          $188                   2.08                     
  $ 15001 -  20000                 $17,582          $555                   1.88                     
  $ 20001 -  25000                 $22,562          $678                   2.41                     
  $ 25001 -  30000                 $27,525          $847                   2.80                     
  $ 30001 -  35000                 $32,635        $1,129                   3.33                     
  $ 35001 -  40000                 $37,332        $1,699                   2.94                     
  $ 40001 -  45000                 $42,365        $2,311                   3.15                     
  $ 45001 -  50000                 $46,842        $2,584                   3.00                     
  $ 50001 -  75000                 $61,052        $3,772                   3.62                     
  $ 75001 - 100000                 $85,244        $7,370                   3.68                     
  OVER $100,000                   $148,536       $21,291                   3.92                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,188        $2,039                   2.42                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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    $-1,289,778            $0      0.00          49                      
  $     1  -  5000      279       $777,842        $1,502      0.19         102                      
  $  5001 -  10000      238     $1,755,228       $33,449      1.91         162                      
  $ 10001 -  15000      186     $2,346,198       $72,067      3.07         229                      
  $ 15001 -  20000      172     $3,003,359      $109,485      3.65         275                      
  $ 20001 -  25000      159     $3,597,735      $160,672      4.47         283                      
  $ 25001 -  30000      132     $3,608,194      $157,925      4.38         297                      
  $ 30001 -  35000      101     $3,281,989      $171,262      5.22         232                      
  $ 35001 -  40000      122     $4,571,452      $210,732      4.61         331                      
  $ 40001 -  45000      135     $5,724,553      $323,923      5.66         386                      
  $ 45001 -  50000      108     $5,110,966      $271,700      5.32         357                      
  $ 50001 -  75000      474    $29,106,427    $1,849,069      6.35       1,667                      
  $ 75001 - 100000      252    $21,470,424    $1,810,867      8.43         900                      
  $100001 - 250000      166    $22,199,387    $2,739,438     12.34         598                      
  OVER $250,000          19     $7,836,629    $1,726,444     22.03          78                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,574    $113,100,605    $9,638,535      8.52        5,946                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.2            -1.1           0.0                    0.8                     
  $     1  -  5000    10.8             0.7           0.0                    1.7                     
  $  5001 -  10000     9.2             1.6           0.3                    2.7                     
  $ 10001 -  15000     7.2             2.1           0.7                    3.9                     
  $ 15001 -  20000     6.7             2.7           1.1                    4.6                     
  $ 20001 -  25000     6.2             3.2           1.7                    4.8                     
  $ 25001 -  30000     5.1             3.2           1.6                    5.0                     
  $ 30001 -  35000     3.9             2.9           1.8                    3.9                     
  $ 35001 -  40000     4.7             4.0           2.2                    5.6                     
  $ 40001 -  45000     5.2             5.1           3.4                    6.5                     
  $ 45001 -  50000     4.2             4.5           2.8                    6.0                     
  $ 50001 -  75000    18.4            25.7          19.2                   28.0                     
  $ 75001 - 100000     9.8            19.0          18.8                   15.1                     
  $100001 - 250000     6.4            19.6          28.4                   10.1                     
  OVER $250,000        0.7             6.9          17.9                    1.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-41,606            $0                   1.58                     
  $     1  -  5000                  $2,788            $5                   0.37                     
  $  5001 -  10000                  $7,375          $141                   0.68                     
  $ 10001 -  15000                 $12,614          $387                   1.23                     
  $ 15001 -  20000                 $17,461          $637                   1.60                     
  $ 20001 -  25000                 $22,627        $1,011                   1.78                     
  $ 25001 -  30000                 $27,335        $1,196                   2.25                     
  $ 30001 -  35000                 $32,495        $1,696                   2.30                     
  $ 35001 -  40000                 $37,471        $1,727                   2.71                     
  $ 40001 -  45000                 $42,404        $2,399                   2.86                     
  $ 45001 -  50000                 $47,324        $2,516                   3.31                     
  $ 50001 -  75000                 $61,406        $3,901                   3.52                     
  $ 75001 - 100000                 $85,200        $7,186                   3.57                     
  $100001 - 250000                $133,731       $16,503                   3.60                     
  OVER $250,000                   $412,454       $90,865                   4.11                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $43,940        $3,745                   2.31                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                    
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               26      $-970,844            $0      0.00          54                      
  $     1  -  5000      139       $408,206          $814      0.20          99                      
  $  5001 -  10000      158     $1,171,633        $8,142      0.69         235                      
  $ 10001 -  15000      130     $1,578,820       $22,775      1.44         291                      
  $ 15001 -  20000      102     $1,780,952       $39,438      2.21         239                      
  $ 20001 -  25000       95     $2,122,487       $74,560      3.51         206                      
  $ 25001 -  30000       70     $1,915,735       $66,182      3.45         204                      
  $ 30001 -  35000       62     $2,007,021       $72,848      3.63         184                      
  $ 35001 -  40000       52     $1,933,614       $81,826      4.23         164                      
  $ 40001 -  45000       56     $2,363,247       $82,582      3.49         196                      
  $ 45001 -  50000       45     $2,134,066      $108,393      5.08         153                      
  $ 50001 -  75000      168    $10,108,508      $667,404      6.60         584                      
  $ 75001 - 100000       36     $3,100,871      $265,159      8.55         125                      
  OVER $100,000          30     $5,677,041      $962,980     16.96         118                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,169     $35,331,357    $2,453,103      6.94        2,852                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             2.2            -2.7           0.0                    1.9                     
  $     1  -  5000    11.9             1.2           0.0                    3.5                     
  $  5001 -  10000    13.5             3.3           0.3                    8.2                     
  $ 10001 -  15000    11.1             4.5           0.9                   10.2                     
  $ 15001 -  20000     8.7             5.0           1.6                    8.4                     
  $ 20001 -  25000     8.1             6.0           3.0                    7.2                     
  $ 25001 -  30000     6.0             5.4           2.7                    7.2                     
  $ 30001 -  35000     5.3             5.7           3.0                    6.5                     
  $ 35001 -  40000     4.4             5.5           3.3                    5.8                     
  $ 40001 -  45000     4.8             6.7           3.4                    6.9                     
  $ 45001 -  50000     3.8             6.0           4.4                    5.4                     
  $ 50001 -  75000    14.4            28.6          27.2                   20.5                     
  $ 75001 - 100000     3.1             8.8          10.8                    4.4                     
  OVER $100,000        2.6            16.1          39.3                    4.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-37,340            $0                   2.08                     
  $     1  -  5000                  $2,937            $6                   0.71                     
  $  5001 -  10000                  $7,415           $52                   1.49                     
  $ 10001 -  15000                 $12,145          $175                   2.24                     
  $ 15001 -  20000                 $17,460          $387                   2.34                     
  $ 20001 -  25000                 $22,342          $785                   2.17                     
  $ 25001 -  30000                 $27,368          $945                   2.91                     
  $ 30001 -  35000                 $32,371        $1,175                   2.97                     
  $ 35001 -  40000                 $37,185        $1,574                   3.15                     
  $ 40001 -  45000                 $42,201        $1,475                   3.50                     
  $ 45001 -  50000                 $47,424        $2,409                   3.40                     
  $ 50001 -  75000                 $60,170        $3,973                   3.48                     
  $ 75001 - 100000                 $86,135        $7,366                   3.47                     
  OVER $100,000                   $189,235       $32,099                   3.93                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,224        $2,098                   2.44                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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              132    $-2,691,510       $10,142     -0.38         217                      
  $     1  -  5000    1,336     $3,545,298       $13,983      0.39         890                      
  $  5001 -  10000    1,385    $10,433,298      $131,042      1.26       1,483                      
  $ 10001 -  15000    1,328    $16,567,902      $384,071      2.32       1,927                      
  $ 15001 -  20000    1,349    $23,608,494      $778,281      3.30       2,276                      
  $ 20001 -  25000    1,268    $28,424,914    $1,224,107      4.31       2,268                      
  $ 25001 -  30000    1,127    $30,911,033    $1,628,779      5.27       2,122                      
  $ 30001 -  35000      939    $30,459,876    $1,757,426      5.77       1,880                      
  $ 35001 -  40000      818    $30,634,688    $1,925,834      6.29       1,717                      
  $ 40001 -  45000      654    $27,696,684    $1,804,505      6.52       1,480                      
  $ 45001 -  50000      600    $28,399,386    $2,046,462      7.21       1,446                      
  $ 50001 -  75000    1,959   $119,145,986    $9,476,083      7.95       5,446                      
  $ 75001 - 100000      988    $84,899,120    $7,725,204      9.10       3,168                      
  $100001 - 250000      729    $97,085,869   $13,116,246     13.51       2,384                      
  OVER $250,000          92    $41,215,483    $9,082,902     22.04         309                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             14,704    $570,336,521   $51,105,067      8.96       29,013                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.9            -0.5           0.0                    0.7                     
  $     1  -  5000     9.1             0.6           0.0                    3.1                     
  $  5001 -  10000     9.4             1.8           0.3                    5.1                     
  $ 10001 -  15000     9.0             2.9           0.8                    6.6                     
  $ 15001 -  20000     9.2             4.1           1.5                    7.8                     
  $ 20001 -  25000     8.6             5.0           2.4                    7.8                     
  $ 25001 -  30000     7.7             5.4           3.2                    7.3                     
  $ 30001 -  35000     6.4             5.3           3.4                    6.5                     
  $ 35001 -  40000     5.6             5.4           3.8                    5.9                     
  $ 40001 -  45000     4.4             4.9           3.5                    5.1                     
  $ 45001 -  50000     4.1             5.0           4.0                    5.0                     
  $ 50001 -  75000    13.3            20.9          18.5                   18.8                     
  $ 75001 - 100000     6.7            14.9          15.1                   10.9                     
  $100001 - 250000     5.0            17.0          25.7                    8.2                     
  OVER $250,000        0.6             7.2          17.8                    1.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-20,390           $77                   1.64                     
  $     1  -  5000                  $2,654           $10                   0.67                     
  $  5001 -  10000                  $7,533           $95                   1.07                     
  $ 10001 -  15000                 $12,476          $289                   1.45                     
  $ 15001 -  20000                 $17,501          $577                   1.69                     
  $ 20001 -  25000                 $22,417          $965                   1.79                     
  $ 25001 -  30000                 $27,428        $1,445                   1.88                     
  $ 30001 -  35000                 $32,439        $1,872                   2.00                     
  $ 35001 -  40000                 $37,451        $2,354                   2.10                     
  $ 40001 -  45000                 $42,350        $2,759                   2.26                     
  $ 45001 -  50000                 $47,332        $3,411                   2.41                     
  $ 50001 -  75000                 $60,820        $4,837                   2.78                     
  $ 75001 - 100000                 $85,930        $7,819                   3.21                     
  $100001 - 250000                $133,177       $17,992                   3.27                     
  OVER $250,000                   $447,994       $98,727                   3.36                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $38,788        $3,476                   1.97                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               24    $-1,019,604          $200     -0.02          67                      
  $     1  -  5000      209       $553,646          $922      0.17         115                      
  $  5001 -  10000      198     $1,472,280       $19,283      1.31         204                      
  $ 10001 -  15000      148     $1,849,250       $34,783      1.88         275                      
  $ 15001 -  20000      137     $2,370,026       $93,167      3.93         234                      
  $ 20001 -  25000      127     $2,851,367       $79,076      2.77         318                      
  $ 25001 -  30000      120     $3,310,497      $105,623      3.19         340                      
  $ 30001 -  35000      115     $3,701,559      $141,528      3.82         327                      
  $ 35001 -  40000      117     $4,377,638      $185,658      4.24         344                      
  $ 40001 -  45000       95     $4,035,912      $159,673      3.96         353                      
  $ 45001 -  50000       90     $4,283,298      $155,045      3.62         354                      
  $ 50001 -  75000      317    $19,076,486    $1,075,910      5.64       1,220                      
  $ 75001 - 100000       82     $7,107,241      $571,426      8.04         325                      
  OVER $100,000          45     $7,115,353    $1,040,900     14.63         174                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,824     $61,084,949    $3,663,194      6.00        4,650                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.3            -1.7           0.0                    1.4                     
  $     1  -  5000    11.5             0.9           0.0                    2.5                     
  $  5001 -  10000    10.9             2.4           0.5                    4.4                     
  $ 10001 -  15000     8.1             3.0           0.9                    5.9                     
  $ 15001 -  20000     7.5             3.9           2.5                    5.0                     
  $ 20001 -  25000     7.0             4.7           2.2                    6.8                     
  $ 25001 -  30000     6.6             5.4           2.9                    7.3                     
  $ 30001 -  35000     6.3             6.1           3.9                    7.0                     
  $ 35001 -  40000     6.4             7.2           5.1                    7.4                     
  $ 40001 -  45000     5.2             6.6           4.4                    7.6                     
  $ 45001 -  50000     4.9             7.0           4.2                    7.6                     
  $ 50001 -  75000    17.4            31.2          29.4                   26.2                     
  $ 75001 - 100000     4.5            11.6          15.6                    7.0                     
  OVER $100,000        2.5            11.6          28.4                    3.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-42,484            $8                   2.79                     
  $     1  -  5000                  $2,649            $4                   0.55                     
  $  5001 -  10000                  $7,436           $97                   1.03                     
  $ 10001 -  15000                 $12,495          $235                   1.86                     
  $ 15001 -  20000                 $17,299          $680                   1.71                     
  $ 20001 -  25000                 $22,452          $623                   2.50                     
  $ 25001 -  30000                 $27,587          $880                   2.83                     
  $ 30001 -  35000                 $32,187        $1,231                   2.84                     
  $ 35001 -  40000                 $37,416        $1,587                   2.94                     
  $ 40001 -  45000                 $42,483        $1,681                   3.72                     
  $ 45001 -  50000                 $47,592        $1,723                   3.93                     
  $ 50001 -  75000                 $60,178        $3,394                   3.85                     
  $ 75001 - 100000                 $86,674        $6,969                   3.96                     
  OVER $100,000                   $158,119       $23,131                   3.87                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $33,490        $2,008                   2.55                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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                               
                                   NIBLEY UT                                                        
                        _________________________________________________                           
  UNDER $ 5,000          70      $-214,428        $1,919     -0.89          39                      
  $  5001 -  10000       62       $465,193        $8,714      1.87          68                      
  $ 10001 -  15000       53       $667,945       $16,805      2.52          69                      
  $ 15001 -  20000       57       $975,483       $25,857      2.65         117                      
  $ 20001 -  25000       43       $971,542       $29,306      3.02         108                      
  $ 25001 -  30000       44     $1,218,618       $30,417      2.50         134                      
  $ 30001 -  35000       45     $1,492,180       $45,676      3.06         146                      
  $ 35001 -  40000       40     $1,496,610       $52,995      3.54         131                      
  $ 40001 -  45000       43     $1,811,062       $56,274      3.11         166                      
  $ 45001 -  50000       37     $1,763,806       $57,263      3.25         144                      
  $ 50001 -  75000      160     $9,880,985      $565,876      5.73         619                      
  $ 75001 - 100000       71     $6,017,549      $509,473      8.47         254                      
  OVER $100,000          48     $7,078,115    $1,013,630     14.32         172                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                773     $33,624,660    $2,414,205      7.18        2,167                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000        9.1            -0.6           0.1                    1.8                     
  $  5001 -  10000     8.0             1.4           0.4                    3.1                     
  $ 10001 -  15000     6.9             2.0           0.7                    3.2                     
  $ 15001 -  20000     7.4             2.9           1.1                    5.4                     
  $ 20001 -  25000     5.6             2.9           1.2                    5.0                     
  $ 25001 -  30000     5.7             3.6           1.3                    6.2                     
  $ 30001 -  35000     5.8             4.4           1.9                    6.7                     
  $ 35001 -  40000     5.2             4.5           2.2                    6.0                     
  $ 40001 -  45000     5.6             5.4           2.3                    7.7                     
  $ 45001 -  50000     4.8             5.2           2.4                    6.6                     
  $ 50001 -  75000    20.7            29.4          23.4                   28.6                     
  $ 75001 - 100000     9.2            17.9          21.1                   11.7                     
  OVER $100,000        6.2            21.1          42.0                    7.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                    $-3,063           $27                   0.56                     
  $  5001 -  10000                  $7,503          $141                   1.10                     
  $ 10001 -  15000                 $12,603          $317                   1.30                     
  $ 15001 -  20000                 $17,114          $454                   2.05                     
  $ 20001 -  25000                 $22,594          $682                   2.51                     
  $ 25001 -  30000                 $27,696          $691                   3.05                     
  $ 30001 -  35000                 $33,160        $1,015                   3.24                     
  $ 35001 -  40000                 $37,415        $1,325                   3.28                     
  $ 40001 -  45000                 $42,118        $1,309                   3.86                     
  $ 45001 -  50000                 $47,670        $1,548                   3.89                     
  $ 50001 -  75000                 $61,756        $3,537                   3.87                     
  $ 75001 - 100000                 $84,754        $7,176                   3.58                     
  OVER $100,000                   $147,461       $21,117                   3.58                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $43,499        $3,123                   2.80                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               23      $-651,403        $1,119     -0.17          41                      
  $     1  -  5000      236       $614,604        $1,746      0.28          91                      
  $  5001 -  10000      191     $1,422,742       $23,021      1.62         157                      
  $ 10001 -  15000      167     $2,081,150       $58,203      2.80         235                      
  $ 15001 -  20000      115     $1,966,716       $72,757      3.70         211                      
  $ 20001 -  25000      107     $2,402,485       $89,457      3.72         221                      
  $ 25001 -  30000      101     $2,754,085       $91,405      3.32         245                      
  $ 30001 -  35000       79     $2,566,021       $94,268      3.67         228                      
  $ 35001 -  40000       65     $2,426,129       $98,360      4.05         174                      
  $ 40001 -  45000       63     $2,669,728      $121,104      4.54         209                      
  $ 45001 -  50000       75     $3,560,066      $164,900      4.63         265                      
  $ 50001 -  75000      272    $16,852,948      $988,950      5.87       1,013                      
  $ 75001 - 100000      180    $15,523,166    $1,198,138      7.72         717                      
  $100001 - 250000      154    $21,939,420    $2,918,826     13.30         581                      
  OVER $250,000          22     $8,263,689    $1,658,424     20.07         102                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,850     $84,391,546    $7,580,678      8.98        4,490                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.2            -0.8           0.0                    0.9                     
  $     1  -  5000    12.8             0.7           0.0                    2.0                     
  $  5001 -  10000    10.3             1.7           0.3                    3.5                     
  $ 10001 -  15000     9.0             2.5           0.8                    5.2                     
  $ 15001 -  20000     6.2             2.3           1.0                    4.7                     
  $ 20001 -  25000     5.8             2.8           1.2                    4.9                     
  $ 25001 -  30000     5.5             3.3           1.2                    5.5                     
  $ 30001 -  35000     4.3             3.0           1.2                    5.1                     
  $ 35001 -  40000     3.5             2.9           1.3                    3.9                     
  $ 40001 -  45000     3.4             3.2           1.6                    4.7                     
  $ 45001 -  50000     4.1             4.2           2.2                    5.9                     
  $ 50001 -  75000    14.7            20.0          13.0                   22.6                     
  $ 75001 - 100000     9.7            18.4          15.8                   16.0                     
  $100001 - 250000     8.3            26.0          38.5                   12.9                     
  OVER $250,000        1.2             9.8          21.9                    2.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-28,322           $49                   1.78                     
  $     1  -  5000                  $2,604            $7                   0.39                     
  $  5001 -  10000                  $7,449          $121                   0.82                     
  $ 10001 -  15000                 $12,462          $349                   1.41                     
  $ 15001 -  20000                 $17,102          $633                   1.83                     
  $ 20001 -  25000                 $22,453          $836                   2.07                     
  $ 25001 -  30000                 $27,268          $905                   2.43                     
  $ 30001 -  35000                 $32,481        $1,193                   2.89                     
  $ 35001 -  40000                 $37,325        $1,513                   2.68                     
  $ 40001 -  45000                 $42,377        $1,922                   3.32                     
  $ 45001 -  50000                 $47,468        $2,199                   3.53                     
  $ 50001 -  75000                 $61,959        $3,636                   3.72                     
  $ 75001 - 100000                 $86,240        $6,656                   3.98                     
  $100001 - 250000                $142,464       $18,953                   3.77                     
  OVER $250,000                   $375,622       $75,383                   4.64                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $45,617        $4,098                   2.43                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               24    $-1,225,851            $0      0.00          46                      
  $     1  -  5000      441     $1,141,817        $4,094      0.36         114                      
  $  5001 -  10000      305     $2,226,710       $45,432      2.04         161                      
  $ 10001 -  15000      226     $2,802,485       $90,751      3.24         257                      
  $ 15001 -  20000      235     $4,102,497      $171,891      4.19         356                      
  $ 20001 -  25000      168     $3,751,453      $141,730      3.78         353                      
  $ 25001 -  30000      159     $4,336,504      $171,293      3.95         353                      
  $ 30001 -  35000      152     $4,919,012      $208,508      4.24         361                      
  $ 35001 -  40000      138     $5,168,298      $231,256      4.47         382                      
  $ 40001 -  45000      146     $6,208,473      $305,435      4.92         423                      
  $ 45001 -  50000      164     $7,770,311      $395,638      5.09         520                      
  $ 50001 -  75000      688    $42,452,602    $2,601,039      6.13       2,423                      
  $ 75001 - 100000      389    $33,468,196    $2,757,175      8.24       1,407                      
  $100001 - 250000      243    $31,822,207    $4,051,472     12.73         899                      
  OVER $250,000          15     $7,004,349    $1,668,870     23.83          63                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,493    $155,949,063   $12,844,584      8.24        8,118                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.7            -0.8           0.0                    0.6                     
  $     1  -  5000    12.6             0.7           0.0                    1.4                     
  $  5001 -  10000     8.7             1.4           0.4                    2.0                     
  $ 10001 -  15000     6.5             1.8           0.7                    3.2                     
  $ 15001 -  20000     6.7             2.6           1.3                    4.4                     
  $ 20001 -  25000     4.8             2.4           1.1                    4.3                     
  $ 25001 -  30000     4.6             2.8           1.3                    4.3                     
  $ 30001 -  35000     4.4             3.2           1.6                    4.4                     
  $ 35001 -  40000     4.0             3.3           1.8                    4.7                     
  $ 40001 -  45000     4.2             4.0           2.4                    5.2                     
  $ 45001 -  50000     4.7             5.0           3.1                    6.4                     
  $ 50001 -  75000    19.7            27.2          20.3                   29.8                     
  $ 75001 - 100000    11.1            21.5          21.5                   17.3                     
  $100001 - 250000     7.0            20.4          31.5                   11.1                     
  OVER $250,000        0.4             4.5          13.0                    0.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-51,077            $0                   1.92                     
  $     1  -  5000                  $2,589            $9                   0.26                     
  $  5001 -  10000                  $7,301          $149                   0.53                     
  $ 10001 -  15000                 $12,400          $402                   1.14                     
  $ 15001 -  20000                 $17,457          $731                   1.51                     
  $ 20001 -  25000                 $22,330          $844                   2.10                     
  $ 25001 -  30000                 $27,274        $1,077                   2.22                     
  $ 30001 -  35000                 $32,362        $1,372                   2.38                     
  $ 35001 -  40000                 $37,451        $1,676                   2.77                     
  $ 40001 -  45000                 $42,524        $2,092                   2.90                     
  $ 45001 -  50000                 $47,380        $2,412                   3.17                     
  $ 50001 -  75000                 $61,704        $3,781                   3.52                     
  $ 75001 - 100000                 $86,036        $7,088                   3.62                     
  $100001 - 250000                $130,956       $16,673                   3.70                     
  OVER $250,000                   $466,957      $111,258                   4.20                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $44,646        $3,677                   2.32                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                   
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               42    $-1,032,216       $46,324     -4.49          72                      
  $     1  -  5000      380       $981,821        $1,352      0.14         193                      
  $  5001 -  10000      307     $2,258,525       $28,370      1.26         314                      
  $ 10001 -  15000      292     $3,659,556       $90,647      2.48         428                      
  $ 15001 -  20000      310     $5,434,753      $168,663      3.10         581                      
  $ 20001 -  25000      245     $5,519,388      $216,453      3.92         479                      
  $ 25001 -  30000      231     $6,349,148      $275,776      4.34         510                      
  $ 30001 -  35000      192     $6,255,767      $340,149      5.44         410                      
  $ 35001 -  40000      157     $5,888,850      $296,146      5.03         408                      
  $ 40001 -  45000      152     $6,465,191      $401,672      6.21         364                      
  $ 45001 -  50000      140     $6,633,580      $465,550      7.02         347                      
  $ 50001 -  75000      467    $28,816,506    $2,062,939      7.16       1,375                      
  $ 75001 - 100000      277    $23,951,962    $2,046,457      8.54         947                      
  $100001 - 250000      405    $57,128,171    $7,472,165     13.08       1,397                      
  OVER $250,000          76    $40,562,288   $10,009,727     24.68         283                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,673    $198,873,290   $23,922,390     12.03        8,108                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -0.5           0.2                    0.9                     
  $     1  -  5000    10.3             0.5           0.0                    2.4                     
  $  5001 -  10000     8.4             1.1           0.1                    3.9                     
  $ 10001 -  15000     7.9             1.8           0.4                    5.3                     
  $ 15001 -  20000     8.4             2.7           0.7                    7.2                     
  $ 20001 -  25000     6.7             2.8           0.9                    5.9                     
  $ 25001 -  30000     6.3             3.2           1.2                    6.3                     
  $ 30001 -  35000     5.2             3.1           1.4                    5.1                     
  $ 35001 -  40000     4.3             3.0           1.2                    5.0                     
  $ 40001 -  45000     4.1             3.3           1.7                    4.5                     
  $ 45001 -  50000     3.8             3.3           1.9                    4.3                     
  $ 50001 -  75000    12.7            14.5           8.6                   17.0                     
  $ 75001 - 100000     7.5            12.0           8.6                   11.7                     
  $100001 - 250000    11.0            28.7          31.2                   17.2                     
  OVER $250,000        2.1            20.4          41.8                    3.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-24,577        $1,103                   1.71                     
  $     1  -  5000                  $2,584            $4                   0.51                     
  $  5001 -  10000                  $7,357           $92                   1.02                     
  $ 10001 -  15000                 $12,533          $310                   1.47                     
  $ 15001 -  20000                 $17,531          $544                   1.87                     
  $ 20001 -  25000                 $22,528          $883                   1.96                     
  $ 25001 -  30000                 $27,485        $1,194                   2.21                     
  $ 30001 -  35000                 $32,582        $1,772                   2.14                     
  $ 35001 -  40000                 $37,509        $1,886                   2.60                     
  $ 40001 -  45000                 $42,534        $2,643                   2.39                     
  $ 45001 -  50000                 $47,383        $3,325                   2.48                     
  $ 50001 -  75000                 $61,706        $4,417                   2.94                     
  $ 75001 - 100000                 $86,469        $7,388                   3.42                     
  $100001 - 250000                $141,057       $18,450                   3.45                     
  OVER $250,000                   $533,714      $131,707                   3.72                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $54,145        $6,513                   2.21                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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              329   $-11,283,796        $6,726     -0.06         540                      
  $     1  -  5000    4,254    $11,804,476       $26,649      0.23       3,570                      
  $  5001 -  10000    4,835    $36,472,099      $394,476      1.08       6,174                      
  $ 10001 -  15000    4,956    $62,003,111    $1,272,933      2.05       8,314                      
  $ 15001 -  20000    4,904    $85,585,205    $2,539,158      2.97       9,223                      
  $ 20001 -  25000    4,399    $98,550,184    $3,702,040      3.76       9,256                      
  $ 25001 -  30000    3,840   $105,327,065    $4,808,286      4.57       8,488                      
  $ 30001 -  35000    3,215   $104,210,350    $5,344,132      5.13       7,384                      
  $ 35001 -  40000    2,598    $97,332,820    $5,536,305      5.69       6,322                      
  $ 40001 -  45000    2,349    $99,633,062    $6,160,317      6.18       6,059                      
  $ 45001 -  50000    1,950    $92,587,170    $6,211,510      6.71       5,246                      
  $ 50001 -  75000    6,680   $407,580,681   $32,724,789      8.03      18,915                      
  $ 75001 - 100000    3,059   $262,272,330   $25,051,594      9.55       9,351                      
  $100001 - 250000    2,211   $298,131,146   $40,787,565     13.68       6,880                      
  OVER $250,000         279   $154,538,260   $34,753,765     22.49         913                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             49,858  $1,904,744,163  $169,320,245      8.89      106,635                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.7            -0.6           0.0                    0.5                     
  $     1  -  5000     8.5             0.6           0.0                    3.3                     
  $  5001 -  10000     9.7             1.9           0.2                    5.8                     
  $ 10001 -  15000     9.9             3.3           0.8                    7.8                     
  $ 15001 -  20000     9.8             4.5           1.5                    8.6                     
  $ 20001 -  25000     8.8             5.2           2.2                    8.7                     
  $ 25001 -  30000     7.7             5.5           2.8                    8.0                     
  $ 30001 -  35000     6.4             5.5           3.2                    6.9                     
  $ 35001 -  40000     5.2             5.1           3.3                    5.9                     
  $ 40001 -  45000     4.7             5.2           3.6                    5.7                     
  $ 45001 -  50000     3.9             4.9           3.7                    4.9                     
  $ 50001 -  75000    13.4            21.4          19.3                   17.7                     
  $ 75001 - 100000     6.1            13.8          14.8                    8.8                     
  $100001 - 250000     4.4            15.7          24.1                    6.5                     
  OVER $250,000        0.6             8.1          20.5                    0.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-34,297           $20                   1.64                     
  $     1  -  5000                  $2,775            $6                   0.84                     
  $  5001 -  10000                  $7,543           $82                   1.28                     
  $ 10001 -  15000                 $12,511          $257                   1.68                     
  $ 15001 -  20000                 $17,452          $518                   1.88                     
  $ 20001 -  25000                 $22,403          $842                   2.10                     
  $ 25001 -  30000                 $27,429        $1,252                   2.21                     
  $ 30001 -  35000                 $32,414        $1,662                   2.30                     
  $ 35001 -  40000                 $37,465        $2,131                   2.43                     
  $ 40001 -  45000                 $42,415        $2,623                   2.58                     
  $ 45001 -  50000                 $47,481        $3,185                   2.69                     
  $ 50001 -  75000                 $61,015        $4,899                   2.83                     
  $ 75001 - 100000                 $85,738        $8,189                   3.06                     
  $100001 - 250000                $134,840       $18,448                   3.11                     
  OVER $250,000                   $553,901      $124,565                   3.27                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $38,203        $3,396                   2.14                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                              
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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              331   $-13,899,908       $23,242     -0.17         594                      
  $     1  -  5000    3,693     $9,894,439       $38,076      0.38       2,259                      
  $  5001 -  10000    3,564    $26,610,005      $349,937      1.32       3,982                      
  $ 10001 -  15000    3,240    $40,462,810      $811,592      2.01       5,834                      
  $ 15001 -  20000    2,770    $48,210,033    $1,249,498      2.59       5,665                      
  $ 20001 -  25000    2,376    $53,181,446    $1,596,267      3.00       5,816                      
  $ 25001 -  30000    1,910    $52,377,102    $1,800,317      3.44       5,022                      
  $ 30001 -  35000    1,649    $53,469,483    $2,091,094      3.91       4,499                      
  $ 35001 -  40000    1,440    $53,879,534    $2,297,380      4.26       4,253                      
  $ 40001 -  45000    1,219    $51,671,259    $2,423,148      4.69       3,705                      
  $ 45001 -  50000    1,083    $51,317,362    $2,706,575      5.27       3,442                      
  $ 50001 -  75000    3,619   $221,072,520   $13,758,083      6.22      12,782                      
  $ 75001 - 100000    1,837   $158,021,442   $12,284,793      7.77       6,980                      
  $100001 - 250000    1,457   $196,701,524   $24,002,144     12.20       5,703                      
  OVER $250,000         196   $126,844,469   $25,818,794     20.35         845                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             30,384  $1,129,813,520   $91,250,940      8.08       71,381                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -1.2           0.0                    0.8                     
  $     1  -  5000    12.2             0.9           0.0                    3.2                     
  $  5001 -  10000    11.7             2.4           0.4                    5.6                     
  $ 10001 -  15000    10.7             3.6           0.9                    8.2                     
  $ 15001 -  20000     9.1             4.3           1.4                    7.9                     
  $ 20001 -  25000     7.8             4.7           1.7                    8.1                     
  $ 25001 -  30000     6.3             4.6           2.0                    7.0                     
  $ 30001 -  35000     5.4             4.7           2.3                    6.3                     
  $ 35001 -  40000     4.7             4.8           2.5                    6.0                     
  $ 40001 -  45000     4.0             4.6           2.7                    5.2                     
  $ 45001 -  50000     3.6             4.5           3.0                    4.8                     
  $ 50001 -  75000    11.9            19.6          15.1                   17.9                     
  $ 75001 - 100000     6.0            14.0          13.5                    9.8                     
  $100001 - 250000     4.8            17.4          26.3                    8.0                     
  OVER $250,000        0.6            11.2          28.3                    1.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-41,994           $70                   1.79                     
  $     1  -  5000                  $2,679           $10                   0.61                     
  $  5001 -  10000                  $7,466           $98                   1.12                     
  $ 10001 -  15000                 $12,489          $250                   1.80                     
  $ 15001 -  20000                 $17,404          $451                   2.05                     
  $ 20001 -  25000                 $22,383          $672                   2.45                     
  $ 25001 -  30000                 $27,423          $943                   2.63                     
  $ 30001 -  35000                 $32,425        $1,268                   2.73                     
  $ 35001 -  40000                 $37,416        $1,595                   2.95                     
  $ 40001 -  45000                 $42,388        $1,988                   3.04                     
  $ 45001 -  50000                 $47,384        $2,499                   3.18                     
  $ 50001 -  75000                 $61,087        $3,802                   3.53                     
  $ 75001 - 100000                 $86,021        $6,687                   3.80                     
  $100001 - 250000                $135,004       $16,474                   3.91                     
  OVER $250,000                   $647,166      $131,729                   4.31                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $37,184        $3,003                   2.35                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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              791   $-58,819,866       $40,688     -0.07       1,598                      
  $     1  -  5000    5,656    $15,319,130       $99,658      0.65       4,270                      
  $  5001 -  10000    5,832    $43,307,845      $512,404      1.18       7,464                      
  $ 10001 -  15000    5,600    $70,068,116    $1,437,368      2.05      10,610                      
  $ 15001 -  20000    5,120    $89,259,886    $2,244,017      2.51      10,913                      
  $ 20001 -  25000    4,195    $94,109,115    $3,017,578      3.21      10,060                      
  $ 25001 -  30000    3,583    $98,290,712    $3,620,477      3.68       9,262                      
  $ 30001 -  35000    3,226   $104,556,009    $4,144,545      3.96       9,223                      
  $ 35001 -  40000    2,873   $107,591,903    $4,660,792      4.33       8,697                      
  $ 40001 -  45000    2,532   $107,555,671    $5,116,676      4.76       8,105                      
  $ 45001 -  50000    2,367   $112,474,238    $5,896,277      5.24       7,937                      
  $ 50001 -  75000    7,714   $468,308,376   $31,444,642      6.71      26,379                      
  $ 75001 - 100000    3,183   $271,611,220   $23,817,031      8.77      10,985                      
  $100001 - 250000    1,877   $249,866,994   $32,596,014     13.05       6,364                      
  OVER $250,000         199   $119,570,571   $27,714,462     23.18         645                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             54,748  $1,893,069,920  $146,362,629      7.73      132,512                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.4            -3.1           0.0                    1.2                     
  $     1  -  5000    10.3             0.8           0.1                    3.2                     
  $  5001 -  10000    10.7             2.3           0.4                    5.6                     
  $ 10001 -  15000    10.2             3.7           1.0                    8.0                     
  $ 15001 -  20000     9.4             4.7           1.5                    8.2                     
  $ 20001 -  25000     7.7             5.0           2.1                    7.6                     
  $ 25001 -  30000     6.5             5.2           2.5                    7.0                     
  $ 30001 -  35000     5.9             5.5           2.8                    7.0                     
  $ 35001 -  40000     5.2             5.7           3.2                    6.6                     
  $ 40001 -  45000     4.6             5.7           3.5                    6.1                     
  $ 45001 -  50000     4.3             5.9           4.0                    6.0                     
  $ 50001 -  75000    14.1            24.7          21.5                   19.9                     
  $ 75001 - 100000     5.8            14.3          16.3                    8.3                     
  $100001 - 250000     3.4            13.2          22.3                    4.8                     
  OVER $250,000        0.4             6.3          18.9                    0.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-74,361           $51                   2.02                     
  $     1  -  5000                  $2,708           $18                   0.75                     
  $  5001 -  10000                  $7,426           $88                   1.28                     
  $ 10001 -  15000                 $12,512          $257                   1.89                     
  $ 15001 -  20000                 $17,434          $438                   2.13                     
  $ 20001 -  25000                 $22,434          $719                   2.40                     
  $ 25001 -  30000                 $27,433        $1,010                   2.58                     
  $ 30001 -  35000                 $32,410        $1,285                   2.86                     
  $ 35001 -  40000                 $37,449        $1,622                   3.03                     
  $ 40001 -  45000                 $42,479        $2,021                   3.20                     
  $ 45001 -  50000                 $47,518        $2,491                   3.35                     
  $ 50001 -  75000                 $60,709        $4,076                   3.42                     
  $ 75001 - 100000                 $85,332        $7,483                   3.45                     
  $100001 - 250000                $133,120       $17,366                   3.39                     
  OVER $250,000                   $600,857      $139,269                   3.24                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $34,578        $2,673                   2.42                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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         125       $189,976          $863      0.45          84                      
  $  5001 -  10000      100       $756,462        $7,235      0.96         125                      
  $ 10001 -  15000       83     $1,034,594       $22,067      2.13         134                      
  $ 15001 -  20000       82     $1,415,913       $41,318      2.92         155                      
  $ 20001 -  25000       49     $1,091,937       $30,872      2.83         112                      
  $ 25001 -  30000       49     $1,330,613       $36,085      2.71         137                      
  $ 30001 -  35000       47     $1,535,622       $50,394      3.28         140                      
  $ 35001 -  40000       49     $1,842,393       $83,028      4.51         136                      
  $ 40001 -  45000       26     $1,105,606       $54,813      4.96          76                      
  $ 45001 -  50000       21       $999,428       $60,356      6.04          60                      
  $ 50001 -  75000       84     $5,140,297      $320,931      6.24         280                      
  $ 75001 - 100000       22     $1,880,738      $163,908      8.72          82                      
  $100001 - 250000       14     $1,901,609      $248,845     13.09          52                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                751     $20,225,188    $1,120,715      5.54        1,573                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       16.6             0.9           0.1                    5.3                     
  $  5001 -  10000    13.3             3.7           0.6                    7.9                     
  $ 10001 -  15000    11.1             5.1           2.0                    8.5                     
  $ 15001 -  20000    10.9             7.0           3.7                    9.9                     
  $ 20001 -  25000     6.5             5.4           2.8                    7.1                     
  $ 25001 -  30000     6.5             6.6           3.2                    8.7                     
  $ 30001 -  35000     6.3             7.6           4.5                    8.9                     
  $ 35001 -  40000     6.5             9.1           7.4                    8.6                     
  $ 40001 -  45000     3.5             5.5           4.9                    4.8                     
  $ 45001 -  50000     2.8             4.9           5.4                    3.8                     
  $ 50001 -  75000    11.2            25.4          28.6                   17.8                     
  $ 75001 - 100000     2.9             9.3          14.6                    5.2                     
  $100001 - 250000     1.9             9.4          22.2                    3.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $1,520            $7                   0.67                     
  $  5001 -  10000                  $7,565           $72                   1.25                     
  $ 10001 -  15000                 $12,465          $266                   1.61                     
  $ 15001 -  20000                 $17,267          $504                   1.89                     
  $ 20001 -  25000                 $22,284          $630                   2.29                     
  $ 25001 -  30000                 $27,155          $736                   2.80                     
  $ 30001 -  35000                 $32,673        $1,072                   2.98                     
  $ 35001 -  40000                 $37,600        $1,694                   2.78                     
  $ 40001 -  45000                 $42,523        $2,108                   2.92                     
  $ 45001 -  50000                 $47,592        $2,874                   2.86                     
  $ 50001 -  75000                 $61,194        $3,821                   3.33                     
  $ 75001 - 100000                 $85,488        $7,450                   3.73                     
  $100001 - 250000                $135,829       $17,775                   3.71                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $26,931        $1,492                   2.09                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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              284   $-15,975,034        $7,947     -0.05         318                      
  $     1  -  5000      924     $2,397,203       $18,912      0.79         480                      
  $  5001 -  10000      833     $6,116,190       $78,604      1.29         821                      
  $ 10001 -  15000      718     $8,971,285      $211,538      2.36       1,137                      
  $ 15001 -  20000      678    $11,846,954      $440,188      3.72       1,137                      
  $ 20001 -  25000      581    $13,011,045      $642,066      4.93       1,048                      
  $ 25001 -  30000      447    $12,254,363      $680,087      5.55         878                      
  $ 30001 -  35000      408    $13,201,911      $811,754      6.15         778                      
  $ 35001 -  40000      378    $14,149,627      $970,097      6.86         701                      
  $ 40001 -  45000      315    $13,414,313      $990,109      7.38         614                      
  $ 45001 -  50000      267    $12,680,744      $973,617      7.68         544                      
  $ 50001 -  75000    1,043    $64,171,086    $5,419,114      8.44       2,423                      
  $ 75001 - 100000      823    $71,472,185    $6,773,747      9.48       2,226                      
  $100001 - 250000    1,637   $247,667,118   $36,154,370     14.60       4,876                      
  OVER $250,000         482   $241,158,289   $56,585,239     23.46       1,500                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              9,818    $716,537,279  $110,757,389     15.46       19,481                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             2.9            -2.2           0.0                    1.6                     
  $     1  -  5000     9.4             0.3           0.0                    2.5                     
  $  5001 -  10000     8.5             0.9           0.1                    4.2                     
  $ 10001 -  15000     7.3             1.3           0.2                    5.8                     
  $ 15001 -  20000     6.9             1.7           0.4                    5.8                     
  $ 20001 -  25000     5.9             1.8           0.6                    5.4                     
  $ 25001 -  30000     4.6             1.7           0.6                    4.5                     
  $ 30001 -  35000     4.2             1.8           0.7                    4.0                     
  $ 35001 -  40000     3.9             2.0           0.9                    3.6                     
  $ 40001 -  45000     3.2             1.9           0.9                    3.2                     
  $ 45001 -  50000     2.7             1.8           0.9                    2.8                     
  $ 50001 -  75000    10.6             9.0           4.9                   12.4                     
  $ 75001 - 100000     8.4            10.0           6.1                   11.4                     
  $100001 - 250000    16.7            34.6          32.6                   25.0                     
  OVER $250,000        4.9            33.7          51.1                    7.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-56,250           $28                   1.12                     
  $     1  -  5000                  $2,594           $20                   0.52                     
  $  5001 -  10000                  $7,342           $94                   0.99                     
  $ 10001 -  15000                 $12,495          $295                   1.58                     
  $ 15001 -  20000                 $17,473          $649                   1.68                     
  $ 20001 -  25000                 $22,394        $1,105                   1.80                     
  $ 25001 -  30000                 $27,415        $1,521                   1.96                     
  $ 30001 -  35000                 $32,358        $1,990                   1.91                     
  $ 35001 -  40000                 $37,433        $2,566                   1.85                     
  $ 40001 -  45000                 $42,585        $3,143                   1.95                     
  $ 45001 -  50000                 $47,493        $3,647                   2.04                     
  $ 50001 -  75000                 $61,525        $5,196                   2.32                     
  $ 75001 - 100000                 $86,843        $8,231                   2.70                     
  $100001 - 250000                $151,293       $22,086                   2.98                     
  OVER $250,000                   $500,328      $117,397                   3.11                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $72,982       $11,281                   1.98                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               21    $-9,272,109           $16     -0.00          39                      
  $     1  -  5000      112       $326,756          $152      0.05          83                      
  $  5001 -  10000      117       $861,151        $9,381      1.09         149                      
  $ 10001 -  15000      123     $1,548,670       $31,771      2.05         192                      
  $ 15001 -  20000      101     $1,739,115       $33,796      1.94         225                      
  $ 20001 -  25000       89     $1,990,389       $65,819      3.31         191                      
  $ 25001 -  30000       84     $2,287,691       $75,923      3.32         234                      
  $ 30001 -  35000       61     $1,979,021       $77,712      3.93         182                      
  $ 35001 -  40000       50     $1,876,338       $89,738      4.78         143                      
  $ 40001 -  45000       55     $2,340,175       $99,669      4.26         197                      
  $ 45001 -  50000       41     $1,933,198      $107,896      5.58         136                      
  $ 50001 -  75000      129     $7,726,217      $516,605      6.69         453                      
  $ 75001 - 100000       46     $3,842,493      $380,930      9.91         128                      
  OVER $100,000          24     $4,262,027      $746,367     17.51          74                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,053     $23,441,132    $2,235,775      9.54        2,426                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             2.0           -39.6           0.0                    1.6                     
  $     1  -  5000    10.6             1.4           0.0                    3.4                     
  $  5001 -  10000    11.1             3.7           0.4                    6.1                     
  $ 10001 -  15000    11.7             6.6           1.4                    7.9                     
  $ 15001 -  20000     9.6             7.4           1.5                    9.3                     
  $ 20001 -  25000     8.5             8.5           2.9                    7.9                     
  $ 25001 -  30000     8.0             9.8           3.4                    9.6                     
  $ 30001 -  35000     5.8             8.4           3.5                    7.5                     
  $ 35001 -  40000     4.7             8.0           4.0                    5.9                     
  $ 40001 -  45000     5.2            10.0           4.5                    8.1                     
  $ 45001 -  50000     3.9             8.2           4.8                    5.6                     
  $ 50001 -  75000    12.3            33.0          23.1                   18.7                     
  $ 75001 - 100000     4.4            16.4          17.0                    5.3                     
  OVER $100,000        2.3            18.2          33.4                    3.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-441529            $1                   1.86                     
  $     1  -  5000                  $2,917            $1                   0.74                     
  $  5001 -  10000                  $7,360           $80                   1.27                     
  $ 10001 -  15000                 $12,591          $258                   1.56                     
  $ 15001 -  20000                 $17,219          $335                   2.23                     
  $ 20001 -  25000                 $22,364          $740                   2.15                     
  $ 25001 -  30000                 $27,234          $904                   2.79                     
  $ 30001 -  35000                 $32,443        $1,274                   2.98                     
  $ 35001 -  40000                 $37,527        $1,795                   2.86                     
  $ 40001 -  45000                 $42,549        $1,812                   3.58                     
  $ 45001 -  50000                 $47,151        $2,632                   3.32                     
  $ 50001 -  75000                 $59,893        $4,005                   3.51                     
  $ 75001 - 100000                 $83,532        $8,281                   2.78                     
  OVER $100,000                   $177,584       $31,099                   3.08                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $22,261        $2,123                   2.30                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               55    $-1,635,107        $4,590     -0.28         152                      
  $     1  -  5000      584     $1,617,114        $1,565      0.10         395                      
  $  5001 -  10000      555     $4,107,794       $80,258      1.95         615                      
  $ 10001 -  15000      506     $6,278,169      $118,708      1.89         957                      
  $ 15001 -  20000      539     $9,411,472      $234,926      2.50       1,180                      
  $ 20001 -  25000      479    $10,799,050      $354,416      3.28       1,166                      
  $ 25001 -  30000      448    $12,362,898      $343,912      2.78       1,322                      
  $ 30001 -  35000      380    $12,304,427      $418,212      3.40       1,170                      
  $ 35001 -  40000      385    $14,394,702      $472,759      3.28       1,278                      
  $ 40001 -  45000      365    $15,486,864      $583,965      3.77       1,271                      
  $ 45001 -  50000      349    $16,582,664      $788,836      4.76       1,247                      
  $ 50001 -  75000    1,077    $65,084,441    $3,574,472      5.49       4,112                      
  $ 75001 - 100000      343    $29,207,883    $2,224,472      7.62       1,333                      
  $100001 - 250000      176    $22,533,063    $2,763,241     12.26         690                      
  OVER $250,000          17     $9,696,896    $2,451,156     25.28          51                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              6,258    $228,232,330   $14,415,488      6.32       16,939                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.9            -0.7           0.0                    0.9                     
  $     1  -  5000     9.3             0.7           0.0                    2.3                     
  $  5001 -  10000     8.9             1.8           0.6                    3.6                     
  $ 10001 -  15000     8.1             2.8           0.8                    5.6                     
  $ 15001 -  20000     8.6             4.1           1.6                    7.0                     
  $ 20001 -  25000     7.7             4.7           2.5                    6.9                     
  $ 25001 -  30000     7.2             5.4           2.4                    7.8                     
  $ 30001 -  35000     6.1             5.4           2.9                    6.9                     
  $ 35001 -  40000     6.2             6.3           3.3                    7.5                     
  $ 40001 -  45000     5.8             6.8           4.1                    7.5                     
  $ 45001 -  50000     5.6             7.3           5.5                    7.4                     
  $ 50001 -  75000    17.2            28.5          24.8                   24.3                     
  $ 75001 - 100000     5.5            12.8          15.4                    7.9                     
  $100001 - 250000     2.8             9.9          19.2                    4.1                     
  OVER $250,000        0.3             4.2          17.0                    0.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-29,729           $83                   2.76                     
  $     1  -  5000                  $2,769            $3                   0.68                     
  $  5001 -  10000                  $7,401          $145                   1.11                     
  $ 10001 -  15000                 $12,407          $235                   1.89                     
  $ 15001 -  20000                 $17,461          $436                   2.19                     
  $ 20001 -  25000                 $22,545          $740                   2.43                     
  $ 25001 -  30000                 $27,596          $768                   2.95                     
  $ 30001 -  35000                 $32,380        $1,101                   3.08                     
  $ 35001 -  40000                 $37,389        $1,228                   3.32                     
  $ 40001 -  45000                 $42,430        $1,600                   3.48                     
  $ 45001 -  50000                 $47,515        $2,260                   3.57                     
  $ 50001 -  75000                 $60,431        $3,319                   3.82                     
  $ 75001 - 100000                 $85,154        $6,485                   3.89                     
  $100001 - 250000                $128,029       $15,700                   3.92                     
  OVER $250,000                   $570,406      $144,186                   3.00                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $36,470        $2,304                   2.71                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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 $1               11      $-145,107            $0      0.00          20                      
  $     1  -  5000       89       $243,055        $2,123      0.87          27                      
  $  5001 -  10000       82       $598,950       $12,087      2.02          53                      
  $ 10001 -  15000       57       $702,055       $18,141      2.58          73                      
  $ 15001 -  20000       68     $1,182,911       $44,328      3.75          97                      
  $ 20001 -  25000       57     $1,291,245       $45,227      3.50         115                      
  $ 25001 -  30000       51     $1,410,336       $57,629      4.09         114                      
  $ 30001 -  35000       48     $1,576,004       $71,113      4.51         116                      
  $ 35001 -  40000       55     $2,072,340       $97,017      4.68         148                      
  $ 40001 -  45000       59     $2,513,507      $102,251      4.07         190                      
  $ 45001 -  50000       50     $2,372,022      $115,657      4.88         160                      
  $ 50001 -  75000      229    $14,023,315      $817,958      5.83         842                      
  $ 75001 - 100000      119    $10,260,530      $830,775      8.10         456                      
  OVER $100,000          70    $10,211,339    $1,488,072     14.57         229                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,045     $48,312,502    $3,702,378      7.66        2,640                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -0.3           0.0                    0.8                     
  $     1  -  5000     8.5             0.5           0.1                    1.0                     
  $  5001 -  10000     7.8             1.2           0.3                    2.0                     
  $ 10001 -  15000     5.5             1.5           0.5                    2.8                     
  $ 15001 -  20000     6.5             2.4           1.2                    3.7                     
  $ 20001 -  25000     5.5             2.7           1.2                    4.4                     
  $ 25001 -  30000     4.9             2.9           1.6                    4.3                     
  $ 30001 -  35000     4.6             3.3           1.9                    4.4                     
  $ 35001 -  40000     5.3             4.3           2.6                    5.6                     
  $ 40001 -  45000     5.6             5.2           2.8                    7.2                     
  $ 45001 -  50000     4.8             4.9           3.1                    6.1                     
  $ 50001 -  75000    21.9            29.0          22.1                   31.9                     
  $ 75001 - 100000    11.4            21.2          22.4                   17.3                     
  OVER $100,000        6.7            21.1          40.2                    8.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-13,192            $0                   1.82                     
  $     1  -  5000                  $2,731           $24                   0.30                     
  $  5001 -  10000                  $7,304          $147                   0.65                     
  $ 10001 -  15000                 $12,317          $318                   1.28                     
  $ 15001 -  20000                 $17,396          $652                   1.43                     
  $ 20001 -  25000                 $22,653          $793                   2.02                     
  $ 25001 -  30000                 $27,654        $1,130                   2.24                     
  $ 30001 -  35000                 $32,833        $1,482                   2.42                     
  $ 35001 -  40000                 $37,679        $1,764                   2.69                     
  $ 40001 -  45000                 $42,602        $1,733                   3.22                     
  $ 45001 -  50000                 $47,440        $2,313                   3.20                     
  $ 50001 -  75000                 $61,237        $3,572                   3.68                     
  $ 75001 - 100000                 $86,223        $6,981                   3.83                     
  OVER $100,000                   $145,876       $21,258                   3.27                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $46,232        $3,543                   2.53                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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         124       $229,854          $454      0.20          43                      
  $  5001 -  10000      101       $732,874       $19,301      2.63          63                      
  $ 10001 -  15000       64       $796,589       $25,234      3.17          60                      
  $ 15001 -  20000       57     $1,009,433       $33,439      3.31          89                      
  $ 20001 -  25000       49     $1,088,880       $45,668      4.19          96                      
  $ 25001 -  30000       53     $1,462,584       $60,108      4.11         132                      
  $ 30001 -  35000       45     $1,462,383       $49,360      3.38         128                      
  $ 35001 -  40000       53     $1,983,259       $91,436      4.61         151                      
  $ 40001 -  45000       53     $2,268,934      $103,892      4.58         166                      
  $ 45001 -  50000       48     $2,287,844      $106,037      4.63         165                      
  $ 50001 -  75000      233    $14,536,585      $918,792      6.32         829                      
  $ 75001 - 100000      145    $12,298,759    $1,066,369      8.67         502                      
  OVER $100,000          64     $9,218,101    $1,305,931     14.17         215                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,089     $49,376,079    $3,826,021      7.75        2,639                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       11.4             0.5           0.0                    1.6                     
  $  5001 -  10000     9.3             1.5           0.5                    2.4                     
  $ 10001 -  15000     5.9             1.6           0.7                    2.3                     
  $ 15001 -  20000     5.2             2.0           0.9                    3.4                     
  $ 20001 -  25000     4.5             2.2           1.2                    3.6                     
  $ 25001 -  30000     4.9             3.0           1.6                    5.0                     
  $ 30001 -  35000     4.1             3.0           1.3                    4.9                     
  $ 35001 -  40000     4.9             4.0           2.4                    5.7                     
  $ 40001 -  45000     4.9             4.6           2.7                    6.3                     
  $ 45001 -  50000     4.4             4.6           2.8                    6.3                     
  $ 50001 -  75000    21.4            29.4          24.0                   31.4                     
  $ 75001 - 100000    13.3            24.9          27.9                   19.0                     
  OVER $100,000        5.9            18.7          34.1                    8.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $1,854            $4                   0.35                     
  $  5001 -  10000                  $7,256          $191                   0.62                     
  $ 10001 -  15000                 $12,447          $394                   0.94                     
  $ 15001 -  20000                 $17,709          $587                   1.56                     
  $ 20001 -  25000                 $22,222          $932                   1.96                     
  $ 25001 -  30000                 $27,596        $1,134                   2.49                     
  $ 30001 -  35000                 $32,497        $1,097                   2.84                     
  $ 35001 -  40000                 $37,420        $1,725                   2.85                     
  $ 40001 -  45000                 $42,810        $1,960                   3.13                     
  $ 45001 -  50000                 $47,663        $2,209                   3.44                     
  $ 50001 -  75000                 $62,389        $3,943                   3.56                     
  $ 75001 - 100000                 $84,819        $7,354                   3.46                     
  OVER $100,000                   $144,033       $20,405                   3.36                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $45,341        $3,513                   2.42                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                    
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               71    $-3,250,531        $1,193     -0.04         140                      
  $     1  -  5000      874     $2,325,616        $3,577      0.15         496                      
  $  5001 -  10000      781     $5,839,271       $78,833      1.35         921                      
  $ 10001 -  15000      779     $9,723,135      $215,317      2.21       1,322                      
  $ 15001 -  20000      659    $11,416,678      $287,274      2.52       1,378                      
  $ 20001 -  25000      557    $12,572,703      $409,979      3.26       1,291                      
  $ 25001 -  30000      534    $14,643,157      $501,348      3.42       1,447                      
  $ 30001 -  35000      498    $16,157,163      $604,964      3.74       1,379                      
  $ 35001 -  40000      446    $16,758,321      $579,133      3.46       1,439                      
  $ 40001 -  45000      441    $18,680,187      $728,349      3.90       1,491                      
  $ 45001 -  50000      374    $17,803,521      $690,746      3.88       1,374                      
  $ 50001 -  75000    1,506    $92,125,226    $4,957,549      5.38       5,730                      
  $ 75001 - 100000      743    $63,815,828    $4,479,915      7.02       3,013                      
  $100001 - 250000      509    $67,368,155    $7,884,767     11.70       2,150                      
  OVER $250,000          49    $19,254,713    $3,791,955     19.69         201                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,821    $365,233,143   $25,214,899      6.90       23,772                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -0.9           0.0                    0.6                     
  $     1  -  5000     9.9             0.6           0.0                    2.1                     
  $  5001 -  10000     8.9             1.6           0.3                    3.9                     
  $ 10001 -  15000     8.8             2.7           0.9                    5.6                     
  $ 15001 -  20000     7.5             3.1           1.1                    5.8                     
  $ 20001 -  25000     6.3             3.4           1.6                    5.4                     
  $ 25001 -  30000     6.1             4.0           2.0                    6.1                     
  $ 30001 -  35000     5.6             4.4           2.4                    5.8                     
  $ 35001 -  40000     5.1             4.6           2.3                    6.1                     
  $ 40001 -  45000     5.0             5.1           2.9                    6.3                     
  $ 45001 -  50000     4.2             4.9           2.7                    5.8                     
  $ 50001 -  75000    17.1            25.2          19.7                   24.1                     
  $ 75001 - 100000     8.4            17.5          17.8                   12.7                     
  $100001 - 250000     5.8            18.4          31.3                    9.0                     
  OVER $250,000        0.6             5.3          15.0                    0.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-45,782           $17                   1.97                     
  $     1  -  5000                  $2,661            $4                   0.57                     
  $  5001 -  10000                  $7,477          $101                   1.18                     
  $ 10001 -  15000                 $12,482          $276                   1.70                     
  $ 15001 -  20000                 $17,324          $436                   2.09                     
  $ 20001 -  25000                 $22,572          $736                   2.32                     
  $ 25001 -  30000                 $27,422          $939                   2.71                     
  $ 30001 -  35000                 $32,444        $1,215                   2.77                     
  $ 35001 -  40000                 $37,575        $1,299                   3.23                     
  $ 40001 -  45000                 $42,359        $1,652                   3.38                     
  $ 45001 -  50000                 $47,603        $1,847                   3.67                     
  $ 50001 -  75000                 $61,172        $3,292                   3.80                     
  $ 75001 - 100000                 $85,889        $6,029                   4.06                     
  $100001 - 250000                $132,354       $15,491                   4.22                     
  OVER $250,000                   $392,953       $77,387                   4.10                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $41,405        $2,859                   2.69                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                     
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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      $-325,713           $39     -0.01          15                      
  $     1  -  5000      166       $451,505          $332      0.07          53                      
  $  5001 -  10000      128       $960,636       $22,328      2.32          85                      
  $ 10001 -  15000       70       $834,814       $24,318      2.91          74                      
  $ 15001 -  20000       65     $1,129,419       $38,339      3.39         101                      
  $ 20001 -  25000       56     $1,277,350       $67,223      5.26          85                      
  $ 25001 -  30000       42     $1,143,203       $43,435      3.80         102                      
  $ 30001 -  35000       38     $1,233,269       $58,959      4.78          91                      
  $ 35001 -  40000       39     $1,472,885       $59,735      4.06         106                      
  $ 40001 -  45000       35     $1,483,092       $60,956      4.11         114                      
  $ 45001 -  50000       38     $1,809,620       $87,113      4.81         127                      
  $ 50001 -  75000      185    $11,529,251      $740,682      6.42         616                      
  $ 75001 - 100000      170    $14,705,544    $1,139,366      7.75         653                      
  $100001 - 250000      148    $19,992,660    $2,413,949     12.07         572                      
  OVER $250,000          13     $5,232,387    $1,102,309     21.07          55                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,206     $62,929,922    $5,859,083      9.31        2,849                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -0.5           0.0                    0.5                     
  $     1  -  5000    13.8             0.7           0.0                    1.9                     
  $  5001 -  10000    10.6             1.5           0.4                    3.0                     
  $ 10001 -  15000     5.8             1.3           0.4                    2.6                     
  $ 15001 -  20000     5.4             1.8           0.7                    3.5                     
  $ 20001 -  25000     4.6             2.0           1.1                    3.0                     
  $ 25001 -  30000     3.5             1.8           0.7                    3.6                     
  $ 30001 -  35000     3.2             2.0           1.0                    3.2                     
  $ 35001 -  40000     3.2             2.3           1.0                    3.7                     
  $ 40001 -  45000     2.9             2.4           1.0                    4.0                     
  $ 45001 -  50000     3.2             2.9           1.5                    4.5                     
  $ 50001 -  75000    15.3            18.3          12.6                   21.6                     
  $ 75001 - 100000    14.1            23.4          19.4                   22.9                     
  $100001 - 250000    12.3            31.8          41.2                   20.1                     
  OVER $250,000        1.1             8.3          18.8                    1.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-25,055            $3                   1.15                     
  $     1  -  5000                  $2,720            $2                   0.32                     
  $  5001 -  10000                  $7,505          $174                   0.66                     
  $ 10001 -  15000                 $11,926          $347                   1.06                     
  $ 15001 -  20000                 $17,376          $590                   1.55                     
  $ 20001 -  25000                 $22,810        $1,200                   1.52                     
  $ 25001 -  30000                 $27,219        $1,034                   2.43                     
  $ 30001 -  35000                 $32,454        $1,552                   2.39                     
  $ 35001 -  40000                 $37,766        $1,532                   2.72                     
  $ 40001 -  45000                 $42,374        $1,742                   3.26                     
  $ 45001 -  50000                 $47,622        $2,292                   3.34                     
  $ 50001 -  75000                 $62,320        $4,004                   3.33                     
  $ 75001 - 100000                 $86,503        $6,702                   3.84                     
  $100001 - 250000                $135,086       $16,310                   3.86                     
  OVER $250,000                   $402,491       $84,793                   4.23                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $52,181        $4,858                   2.36                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               35      $-976,086            $0      0.00          64                      
  $     1  -  5000      561     $1,534,372        $2,891      0.19         460                      
  $  5001 -  10000      596     $4,385,469       $47,289      1.08         713                      
  $ 10001 -  15000      473     $5,851,606      $104,583      1.79         839                      
  $ 15001 -  20000      393     $6,794,887      $189,330      2.79         742                      
  $ 20001 -  25000      267     $6,027,985      $220,365      3.66         585                      
  $ 25001 -  30000      290     $7,958,841      $341,193      4.29         629                      
  $ 30001 -  35000      238     $7,746,651      $367,322      4.74         595                      
  $ 35001 -  40000      234     $8,754,206      $469,377      5.36         616                      
  $ 40001 -  45000      186     $7,917,182      $449,157      5.67         547                      
  $ 45001 -  50000      168     $8,000,980      $551,651      6.89         453                      
  $ 50001 -  75000      774    $47,686,497    $3,676,521      7.71       2,446                      
  $ 75001 - 100000      368    $31,397,302    $3,116,982      9.93       1,175                      
  $100001 - 250000      215    $28,522,670    $4,033,834     14.14         681                      
  OVER $250,000          18     $7,518,100    $1,718,526     22.86          42                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              4,816    $179,120,662   $15,289,021      8.54       10,587                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.7            -0.5           0.0                    0.6                     
  $     1  -  5000    11.6             0.9           0.0                    4.3                     
  $  5001 -  10000    12.4             2.4           0.3                    6.7                     
  $ 10001 -  15000     9.8             3.3           0.7                    7.9                     
  $ 15001 -  20000     8.2             3.8           1.2                    7.0                     
  $ 20001 -  25000     5.5             3.4           1.4                    5.5                     
  $ 25001 -  30000     6.0             4.4           2.2                    5.9                     
  $ 30001 -  35000     4.9             4.3           2.4                    5.6                     
  $ 35001 -  40000     4.9             4.9           3.1                    5.8                     
  $ 40001 -  45000     3.9             4.4           2.9                    5.2                     
  $ 45001 -  50000     3.5             4.5           3.6                    4.3                     
  $ 50001 -  75000    16.1            26.6          24.0                   23.1                     
  $ 75001 - 100000     7.6            17.5          20.4                   11.1                     
  $100001 - 250000     4.5            15.9          26.4                    6.4                     
  OVER $250,000        0.4             4.2          11.2                    0.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-27,888            $0                   1.83                     
  $     1  -  5000                  $2,735            $5                   0.82                     
  $  5001 -  10000                  $7,358           $79                   1.20                     
  $ 10001 -  15000                 $12,371          $221                   1.77                     
  $ 15001 -  20000                 $17,290          $482                   1.89                     
  $ 20001 -  25000                 $22,577          $825                   2.19                     
  $ 25001 -  30000                 $27,444        $1,177                   2.17                     
  $ 30001 -  35000                 $32,549        $1,543                   2.50                     
  $ 35001 -  40000                 $37,411        $2,006                   2.63                     
  $ 40001 -  45000                 $42,565        $2,415                   2.94                     
  $ 45001 -  50000                 $47,625        $3,284                   2.70                     
  $ 50001 -  75000                 $61,610        $4,750                   3.16                     
  $ 75001 - 100000                 $85,319        $8,470                   3.19                     
  $100001 - 250000                $132,664       $18,762                   3.17                     
  OVER $250,000                   $417,672       $95,474                   2.33                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $37,193        $3,175                   2.20                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               23      $-658,960            $0      0.00          42                      
  $     1  -  5000      251       $676,606        $1,818      0.27          84                      
  $  5001 -  10000      194     $1,450,931       $25,942      1.79         135                      
  $ 10001 -  15000      142     $1,724,932       $43,650      2.53         198                      
  $ 15001 -  20000      108     $1,881,049       $51,713      2.75         188                      
  $ 20001 -  25000       92     $2,052,942       $57,156      2.78         217                      
  $ 25001 -  30000       94     $2,610,595       $96,574      3.70         229                      
  $ 30001 -  35000      103     $3,338,295      $149,422      4.48         240                      
  $ 35001 -  40000       97     $3,638,942      $123,550      3.40         305                      
  $ 40001 -  45000       96     $4,104,236      $164,903      4.02         319                      
  $ 45001 -  50000      100     $4,742,181      $229,831      4.85         319                      
  $ 50001 -  75000      387    $23,953,222    $1,569,231      6.55       1,303                      
  $ 75001 - 100000      188    $16,008,933    $1,293,642      8.08         708                      
  $100001 - 250000      182    $24,997,245    $3,187,792     12.75         683                      
  OVER $250,000          21    $10,970,707    $2,648,609     24.14          69                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,078    $101,491,856    $9,643,833      9.50        5,039                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -0.6           0.0                    0.8                     
  $     1  -  5000    12.1             0.7           0.0                    1.7                     
  $  5001 -  10000     9.3             1.4           0.3                    2.7                     
  $ 10001 -  15000     6.8             1.7           0.5                    3.9                     
  $ 15001 -  20000     5.2             1.9           0.5                    3.7                     
  $ 20001 -  25000     4.4             2.0           0.6                    4.3                     
  $ 25001 -  30000     4.5             2.6           1.0                    4.5                     
  $ 30001 -  35000     5.0             3.3           1.5                    4.8                     
  $ 35001 -  40000     4.7             3.6           1.3                    6.1                     
  $ 40001 -  45000     4.6             4.0           1.7                    6.3                     
  $ 45001 -  50000     4.8             4.7           2.4                    6.3                     
  $ 50001 -  75000    18.6            23.6          16.3                   25.9                     
  $ 75001 - 100000     9.0            15.8          13.4                   14.1                     
  $100001 - 250000     8.8            24.6          33.1                   13.6                     
  OVER $250,000        1.0            10.8          27.5                    1.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-28,650            $0                   1.83                     
  $     1  -  5000                  $2,696            $7                   0.33                     
  $  5001 -  10000                  $7,479          $134                   0.70                     
  $ 10001 -  15000                 $12,147          $307                   1.39                     
  $ 15001 -  20000                 $17,417          $479                   1.74                     
  $ 20001 -  25000                 $22,315          $621                   2.36                     
  $ 25001 -  30000                 $27,772        $1,027                   2.44                     
  $ 30001 -  35000                 $32,411        $1,451                   2.33                     
  $ 35001 -  40000                 $37,515        $1,274                   3.14                     
  $ 40001 -  45000                 $42,752        $1,718                   3.32                     
  $ 45001 -  50000                 $47,422        $2,298                   3.19                     
  $ 50001 -  75000                 $61,895        $4,055                   3.37                     
  $ 75001 - 100000                 $85,154        $6,881                   3.77                     
  $100001 - 250000                $137,348       $17,515                   3.75                     
  OVER $250,000                   $522,415      $126,124                   3.29                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $48,841        $4,641                   2.42                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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              347   $-10,274,506        $6,837     -0.07         593                      
  $     1  -  5000    4,489    $12,459,423       $25,468      0.20       3,269                      
  $  5001 -  10000    5,050    $37,229,799      $458,502      1.23       5,605                      
  $ 10001 -  15000    4,102    $50,944,264      $947,184      1.86       7,316                      
  $ 15001 -  20000    3,253    $56,630,556    $1,324,935      2.34       6,839                      
  $ 20001 -  25000    2,528    $56,523,842    $1,671,545      2.96       5,872                      
  $ 25001 -  30000    2,014    $55,294,076    $1,956,947      3.54       5,055                      
  $ 30001 -  35000    1,573    $50,931,914    $2,043,569      4.01       4,216                      
  $ 35001 -  40000    1,269    $47,440,983    $2,063,190      4.35       3,591                      
  $ 40001 -  45000    1,097    $46,540,198    $2,349,055      5.05       3,186                      
  $ 45001 -  50000      846    $40,140,984    $2,106,639      5.25       2,572                      
  $ 50001 -  75000    2,636   $159,915,536   $10,191,937      6.37       8,772                      
  $ 75001 - 100000    1,200   $102,617,224    $8,042,931      7.84       4,298                      
  $100001 - 250000    1,133   $156,365,242   $19,536,220     12.49       3,902                      
  OVER $250,000         197   $120,859,004   $28,576,486     23.64         714                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             31,734    $983,618,539   $81,301,445      8.27       65,800                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -1.0           0.0                    0.9                     
  $     1  -  5000    14.1             1.3           0.0                    5.0                     
  $  5001 -  10000    15.9             3.8           0.6                    8.5                     
  $ 10001 -  15000    12.9             5.2           1.2                   11.1                     
  $ 15001 -  20000    10.3             5.8           1.6                   10.4                     
  $ 20001 -  25000     8.0             5.7           2.1                    8.9                     
  $ 25001 -  30000     6.3             5.6           2.4                    7.7                     
  $ 30001 -  35000     5.0             5.2           2.5                    6.4                     
  $ 35001 -  40000     4.0             4.8           2.5                    5.5                     
  $ 40001 -  45000     3.5             4.7           2.9                    4.8                     
  $ 45001 -  50000     2.7             4.1           2.6                    3.9                     
  $ 50001 -  75000     8.3            16.3          12.5                   13.3                     
  $ 75001 - 100000     3.8            10.4           9.9                    6.5                     
  $100001 - 250000     3.6            15.9          24.0                    5.9                     
  OVER $250,000        0.6            12.3          35.1                    1.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-29,610           $20                   1.71                     
  $     1  -  5000                  $2,776            $6                   0.73                     
  $  5001 -  10000                  $7,372           $91                   1.11                     
  $ 10001 -  15000                 $12,419          $231                   1.78                     
  $ 15001 -  20000                 $17,409          $407                   2.10                     
  $ 20001 -  25000                 $22,359          $661                   2.32                     
  $ 25001 -  30000                 $27,455          $972                   2.51                     
  $ 30001 -  35000                 $32,379        $1,299                   2.68                     
  $ 35001 -  40000                 $37,385        $1,626                   2.83                     
  $ 40001 -  45000                 $42,425        $2,141                   2.90                     
  $ 45001 -  50000                 $47,448        $2,490                   3.04                     
  $ 50001 -  75000                 $60,666        $3,866                   3.33                     
  $ 75001 - 100000                 $85,514        $6,702                   3.58                     
  $100001 - 250000                $138,010       $17,243                   3.44                     
  OVER $250,000                   $613,497      $145,058                   3.62                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $30,996        $2,562                   2.07                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               46      $-848,438           $85     -0.01         106                      
  $     1  -  5000      297       $818,655        $2,965      0.36         208                      
  $  5001 -  10000      291     $2,142,587       $23,773      1.11         381                      
  $ 10001 -  15000      255     $3,168,286       $67,549      2.13         466                      
  $ 15001 -  20000      205     $3,549,034       $77,941      2.20         420                      
  $ 20001 -  25000      173     $3,892,319      $124,719      3.20         408                      
  $ 25001 -  30000      159     $4,392,147      $133,380      3.04         440                      
  $ 30001 -  35000      139     $4,502,031      $176,537      3.92         396                      
  $ 35001 -  40000      135     $5,049,413      $205,784      4.08         418                      
  $ 40001 -  45000      145     $6,182,780      $277,413      4.49         493                      
  $ 45001 -  50000      114     $5,400,100      $277,793      5.14         370                      
  $ 50001 -  75000      360    $21,917,458    $1,426,347      6.51       1,261                      
  $ 75001 - 100000      143    $12,231,693    $1,078,708      8.82         492                      
  $100001 - 250000       93    $13,141,567    $1,795,824     13.67         341                      
  OVER $250,000          11     $3,737,920      $862,826     23.08          54                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,566     $89,277,552    $6,531,644      7.32        6,254                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.8            -1.0           0.0                    1.7                     
  $     1  -  5000    11.6             0.9           0.0                    3.3                     
  $  5001 -  10000    11.3             2.4           0.4                    6.1                     
  $ 10001 -  15000     9.9             3.5           1.0                    7.5                     
  $ 15001 -  20000     8.0             4.0           1.2                    6.7                     
  $ 20001 -  25000     6.7             4.4           1.9                    6.5                     
  $ 25001 -  30000     6.2             4.9           2.0                    7.0                     
  $ 30001 -  35000     5.4             5.0           2.7                    6.3                     
  $ 35001 -  40000     5.3             5.7           3.2                    6.7                     
  $ 40001 -  45000     5.7             6.9           4.2                    7.9                     
  $ 45001 -  50000     4.4             6.0           4.3                    5.9                     
  $ 50001 -  75000    14.0            24.5          21.8                   20.2                     
  $ 75001 - 100000     5.6            13.7          16.5                    7.9                     
  $100001 - 250000     3.6            14.7          27.5                    5.5                     
  OVER $250,000        0.4             4.2          13.2                    0.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-18,444            $2                   2.30                     
  $     1  -  5000                  $2,756           $10                   0.70                     
  $  5001 -  10000                  $7,363           $82                   1.31                     
  $ 10001 -  15000                 $12,425          $265                   1.83                     
  $ 15001 -  20000                 $17,312          $380                   2.05                     
  $ 20001 -  25000                 $22,499          $721                   2.36                     
  $ 25001 -  30000                 $27,624          $839                   2.77                     
  $ 30001 -  35000                 $32,389        $1,270                   2.85                     
  $ 35001 -  40000                 $37,403        $1,524                   3.10                     
  $ 40001 -  45000                 $42,640        $1,913                   3.40                     
  $ 45001 -  50000                 $47,369        $2,437                   3.25                     
  $ 50001 -  75000                 $60,882        $3,962                   3.50                     
  $ 75001 - 100000                 $85,536        $7,543                   3.44                     
  $100001 - 250000                $141,307       $19,310                   3.67                     
  OVER $250,000                   $339,811       $78,439                   4.91                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $34,792        $2,545                   2.44                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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          81       $205,169           $70      0.03          41                      
  $  5001 -  10000       80       $603,276        $7,730      1.28          77                      
  $ 10001 -  15000       75       $912,454       $19,806      2.17         106                      
  $ 15001 -  20000       80     $1,379,920       $32,403      2.35         154                      
  $ 20001 -  25000       56     $1,270,745       $50,215      3.95         111                      
  $ 25001 -  30000       58     $1,590,435       $68,318      4.30         136                      
  $ 30001 -  35000       66     $2,140,591       $95,834      4.48         176                      
  $ 35001 -  40000       65     $2,447,573       $85,334      3.49         228                      
  $ 40001 -  45000       52     $2,207,521       $99,097      4.49         175                      
  $ 45001 -  50000       48     $2,298,250       $88,420      3.85         178                      
  $ 50001 -  75000      159     $9,733,968      $595,375      6.12         574                      
  $ 75001 - 100000       40     $3,398,114      $269,799      7.94         134                      
  OVER $100,000          28     $4,792,513      $720,961     15.04          96                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                888     $32,980,529    $2,133,362      6.47        2,186                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000        9.1             0.6           0.0                    1.9                     
  $  5001 -  10000     9.0             1.8           0.4                    3.5                     
  $ 10001 -  15000     8.4             2.8           0.9                    4.8                     
  $ 15001 -  20000     9.0             4.2           1.5                    7.0                     
  $ 20001 -  25000     6.3             3.9           2.4                    5.1                     
  $ 25001 -  30000     6.5             4.8           3.2                    6.2                     
  $ 30001 -  35000     7.4             6.5           4.5                    8.1                     
  $ 35001 -  40000     7.3             7.4           4.0                   10.4                     
  $ 40001 -  45000     5.9             6.7           4.6                    8.0                     
  $ 45001 -  50000     5.4             7.0           4.1                    8.1                     
  $ 50001 -  75000    17.9            29.5          27.9                   26.3                     
  $ 75001 - 100000     4.5            10.3          12.6                    6.1                     
  OVER $100,000        3.2            14.5          33.8                    4.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,533            $1                   0.51                     
  $  5001 -  10000                  $7,541           $97                   0.96                     
  $ 10001 -  15000                 $12,166          $264                   1.41                     
  $ 15001 -  20000                 $17,249          $405                   1.92                     
  $ 20001 -  25000                 $22,692          $897                   1.98                     
  $ 25001 -  30000                 $27,421        $1,178                   2.34                     
  $ 30001 -  35000                 $32,433        $1,452                   2.67                     
  $ 35001 -  40000                 $37,655        $1,313                   3.51                     
  $ 40001 -  45000                 $42,452        $1,906                   3.37                     
  $ 45001 -  50000                 $47,880        $1,842                   3.71                     
  $ 50001 -  75000                 $61,220        $3,744                   3.61                     
  $ 75001 - 100000                 $84,953        $6,745                   3.35                     
  OVER $100,000                   $171,161       $25,749                   3.43                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $37,140        $2,402                   2.46                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               10       $-59,578          $138     -0.23          14                      
  $     1  -  5000      184       $488,464        $1,292      0.26         116                      
  $  5001 -  10000      180     $1,329,422       $18,154      1.37         181                      
  $ 10001 -  15000      172     $2,117,623       $54,098      2.55         239                      
  $ 15001 -  20000      169     $2,949,327      $100,868      3.42         289                      
  $ 20001 -  25000      145     $3,252,867      $132,971      4.09         275                      
  $ 25001 -  30000      138     $3,764,810      $192,362      5.11         277                      
  $ 30001 -  35000      111     $3,556,409      $164,986      4.64         256                      
  $ 35001 -  40000      131     $4,907,623      $264,996      5.40         337                      
  $ 40001 -  45000      106     $4,509,006      $255,629      5.67         285                      
  $ 45001 -  50000       90     $4,289,783      $260,021      6.06         247                      
  $ 50001 -  75000      351    $21,357,350    $1,654,561      7.75       1,052                      
  $ 75001 - 100000      183    $15,664,574    $1,488,154      9.50         575                      
  OVER $100,000         102    $13,666,409    $1,893,419     13.85         317                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,072     $81,794,089    $6,481,649      7.92        4,460                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.5            -0.1           0.0                    0.3                     
  $     1  -  5000     8.9             0.6           0.0                    2.6                     
  $  5001 -  10000     8.7             1.6           0.3                    4.1                     
  $ 10001 -  15000     8.3             2.6           0.8                    5.4                     
  $ 15001 -  20000     8.2             3.6           1.6                    6.5                     
  $ 20001 -  25000     7.0             4.0           2.1                    6.2                     
  $ 25001 -  30000     6.7             4.6           3.0                    6.2                     
  $ 30001 -  35000     5.4             4.3           2.5                    5.7                     
  $ 35001 -  40000     6.3             6.0           4.1                    7.6                     
  $ 40001 -  45000     5.1             5.5           3.9                    6.4                     
  $ 45001 -  50000     4.3             5.2           4.0                    5.5                     
  $ 50001 -  75000    16.9            26.1          25.5                   23.6                     
  $ 75001 - 100000     8.8            19.2          23.0                   12.9                     
  OVER $100,000        4.9            16.7          29.2                    7.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                         $-5,958           $14                   1.40                     
  $     1  -  5000                  $2,655            $7                   0.63                     
  $  5001 -  10000                  $7,386          $101                   1.01                     
  $ 10001 -  15000                 $12,312          $315                   1.39                     
  $ 15001 -  20000                 $17,452          $597                   1.71                     
  $ 20001 -  25000                 $22,434          $917                   1.90                     
  $ 25001 -  30000                 $27,281        $1,394                   2.01                     
  $ 30001 -  35000                 $32,040        $1,486                   2.31                     
  $ 35001 -  40000                 $37,463        $2,023                   2.57                     
  $ 40001 -  45000                 $42,538        $2,412                   2.69                     
  $ 45001 -  50000                 $47,664        $2,889                   2.74                     
  $ 50001 -  75000                 $60,847        $4,714                   3.00                     
  $ 75001 - 100000                 $85,599        $8,132                   3.14                     
  OVER $100,000                   $133,984       $18,563                   3.11                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,476        $3,128                   2.15                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               90    $-3,878,181        $1,259     -0.03         193                      
  $     1  -  5000    1,096     $2,922,898       $19,973      0.68         423                      
  $  5001 -  10000      905     $6,642,693      $110,795      1.67         778                      
  $ 10001 -  15000      820    $10,139,094      $276,278      2.72       1,147                      
  $ 15001 -  20000      716    $12,501,557      $446,075      3.57       1,206                      
  $ 20001 -  25000      618    $13,806,488      $614,156      4.45       1,175                      
  $ 25001 -  30000      550    $15,161,523      $619,591      4.09       1,276                      
  $ 30001 -  35000      516    $16,846,169      $734,027      4.36       1,361                      
  $ 35001 -  40000      519    $19,520,390      $770,700      3.95       1,523                      
  $ 40001 -  45000      520    $22,089,788      $927,502      4.20       1,673                      
  $ 45001 -  50000      559    $26,543,463    $1,132,599      4.27       1,931                      
  $ 50001 -  75000    2,589   $160,415,429    $8,735,414      5.45       9,642                      
  $ 75001 - 100000    1,339   $114,322,281    $8,668,404      7.58       5,117                      
  $100001 - 250000      859   $109,671,032   $13,280,173     12.11       3,248                      
  OVER $250,000          43    $20,309,424    $4,764,228     23.46         139                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             11,739    $547,014,048   $41,101,174      7.51       30,832                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -0.7           0.0                    0.6                     
  $     1  -  5000     9.3             0.5           0.0                    1.4                     
  $  5001 -  10000     7.7             1.2           0.3                    2.5                     
  $ 10001 -  15000     7.0             1.9           0.7                    3.7                     
  $ 15001 -  20000     6.1             2.3           1.1                    3.9                     
  $ 20001 -  25000     5.3             2.5           1.5                    3.8                     
  $ 25001 -  30000     4.7             2.8           1.5                    4.1                     
  $ 30001 -  35000     4.4             3.1           1.8                    4.4                     
  $ 35001 -  40000     4.4             3.6           1.9                    4.9                     
  $ 40001 -  45000     4.4             4.0           2.3                    5.4                     
  $ 45001 -  50000     4.8             4.9           2.8                    6.3                     
  $ 50001 -  75000    22.1            29.3          21.3                   31.3                     
  $ 75001 - 100000    11.4            20.9          21.1                   16.6                     
  $100001 - 250000     7.3            20.0          32.3                   10.5                     
  OVER $250,000        0.4             3.7          11.6                    0.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-43,091           $14                   2.14                     
  $     1  -  5000                  $2,667           $18                   0.39                     
  $  5001 -  10000                  $7,340          $122                   0.86                     
  $ 10001 -  15000                 $12,365          $337                   1.40                     
  $ 15001 -  20000                 $17,460          $623                   1.68                     
  $ 20001 -  25000                 $22,341          $994                   1.90                     
  $ 25001 -  30000                 $27,566        $1,127                   2.32                     
  $ 30001 -  35000                 $32,648        $1,423                   2.64                     
  $ 35001 -  40000                 $37,612        $1,485                   2.93                     
  $ 40001 -  45000                 $42,480        $1,784                   3.22                     
  $ 45001 -  50000                 $47,484        $2,026                   3.45                     
  $ 50001 -  75000                 $61,960        $3,374                   3.72                     
  $ 75001 - 100000                 $85,379        $6,474                   3.82                     
  $100001 - 250000                $127,673       $15,460                   3.78                     
  OVER $250,000                   $472,312      $110,796                   3.23                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $46,598        $3,501                   2.63                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               51    $-1,144,075          $588     -0.05          99                      
  $     1  -  5000      386     $1,083,078        $1,600      0.15         366                      
  $  5001 -  10000      340     $2,531,260       $26,050      1.03         434                      
  $ 10001 -  15000      302     $3,755,076       $63,251      1.68         599                      
  $ 15001 -  20000      265     $4,615,307      $128,585      2.79         524                      
  $ 20001 -  25000      246     $5,536,119      $177,524      3.21         592                      
  $ 25001 -  30000      196     $5,405,096      $194,043      3.59         524                      
  $ 30001 -  35000      178     $5,758,486      $201,123      3.49         556                      
  $ 35001 -  40000      170     $6,359,374      $268,709      4.23         549                      
  $ 40001 -  45000      171     $7,252,165      $355,767      4.91         555                      
  $ 45001 -  50000      147     $7,018,565      $358,502      5.11         525                      
  $ 50001 -  75000      475    $28,595,612    $1,956,792      6.84       1,633                      
  $ 75001 - 100000      159    $13,734,756    $1,271,790      9.26         551                      
  OVER $100,000         100    $16,088,612    $2,373,222     14.75         360                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,186    $106,589,431    $7,377,546      6.92        7,867                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.6            -1.1           0.0                    1.3                     
  $     1  -  5000    12.1             1.0           0.0                    4.7                     
  $  5001 -  10000    10.7             2.4           0.4                    5.5                     
  $ 10001 -  15000     9.5             3.5           0.9                    7.6                     
  $ 15001 -  20000     8.3             4.3           1.7                    6.7                     
  $ 20001 -  25000     7.7             5.2           2.4                    7.5                     
  $ 25001 -  30000     6.2             5.1           2.6                    6.7                     
  $ 30001 -  35000     5.6             5.4           2.7                    7.1                     
  $ 35001 -  40000     5.3             6.0           3.6                    7.0                     
  $ 40001 -  45000     5.4             6.8           4.8                    7.1                     
  $ 45001 -  50000     4.6             6.6           4.9                    6.7                     
  $ 50001 -  75000    14.9            26.8          26.5                   20.8                     
  $ 75001 - 100000     5.0            12.9          17.2                    7.0                     
  OVER $100,000        3.1            15.1          32.2                    4.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-22,433           $12                   1.94                     
  $     1  -  5000                  $2,806            $4                   0.95                     
  $  5001 -  10000                  $7,445           $77                   1.28                     
  $ 10001 -  15000                 $12,434          $209                   1.98                     
  $ 15001 -  20000                 $17,416          $485                   1.98                     
  $ 20001 -  25000                 $22,505          $722                   2.41                     
  $ 25001 -  30000                 $27,577          $990                   2.67                     
  $ 30001 -  35000                 $32,351        $1,130                   3.12                     
  $ 35001 -  40000                 $37,408        $1,581                   3.23                     
  $ 40001 -  45000                 $42,410        $2,081                   3.25                     
  $ 45001 -  50000                 $47,745        $2,439                   3.57                     
  $ 50001 -  75000                 $60,201        $4,120                   3.44                     
  $ 75001 - 100000                 $86,382        $7,999                   3.47                     
  OVER $100,000                   $160,886       $23,732                   3.60                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $33,456        $2,316                   2.47                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                               
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               53      $-740,959        $8,413     -1.14          87                      
  $     1  -  5000    1,096     $3,042,145        $2,405      0.08         651                      
  $  5001 -  10000    1,065     $7,926,450      $104,381      1.32       1,086                      
  $ 10001 -  15000    1,058    $13,319,480      $334,376      2.51       1,565                      
  $ 15001 -  20000    1,171    $20,467,104      $686,369      3.35       1,986                      
  $ 20001 -  25000    1,111    $24,927,982      $969,882      3.89       2,158                      
  $ 25001 -  30000    1,107    $30,369,298    $1,359,260      4.48       2,406                      
  $ 30001 -  35000    1,019    $33,071,155    $1,620,129      4.90       2,410                      
  $ 35001 -  40000      924    $34,682,920    $1,794,579      5.17       2,345                      
  $ 40001 -  45000      922    $39,182,177    $2,286,495      5.84       2,445                      
  $ 45001 -  50000      815    $38,719,769    $2,284,688      5.90       2,442                      
  $ 50001 -  75000    2,919   $178,528,954   $12,812,784      7.18       9,251                      
  $ 75001 - 100000    1,162    $98,918,206    $9,232,947      9.33       3,733                      
  $100001 - 250000      470    $58,696,094    $7,875,857     13.42       1,463                      
  OVER $250,000          10     $8,135,995    $1,645,860     20.23          28                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             14,902    $589,246,770   $43,018,425      7.30       34,056                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.1           0.0                    0.3                     
  $     1  -  5000     7.4             0.5           0.0                    1.9                     
  $  5001 -  10000     7.1             1.3           0.2                    3.2                     
  $ 10001 -  15000     7.1             2.3           0.8                    4.6                     
  $ 15001 -  20000     7.9             3.5           1.6                    5.8                     
  $ 20001 -  25000     7.5             4.2           2.3                    6.3                     
  $ 25001 -  30000     7.4             5.2           3.2                    7.1                     
  $ 30001 -  35000     6.8             5.6           3.8                    7.1                     
  $ 35001 -  40000     6.2             5.9           4.2                    6.9                     
  $ 40001 -  45000     6.2             6.6           5.3                    7.2                     
  $ 45001 -  50000     5.5             6.6           5.3                    7.2                     
  $ 50001 -  75000    19.6            30.3          29.8                   27.2                     
  $ 75001 - 100000     7.8            16.8          21.5                   11.0                     
  $100001 - 250000     3.2            10.0          18.3                    4.3                     
  OVER $250,000        0.1             1.4           3.8                    0.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-13,980          $159                   1.64                     
  $     1  -  5000                  $2,776            $2                   0.59                     
  $  5001 -  10000                  $7,443           $98                   1.02                     
  $ 10001 -  15000                 $12,589          $316                   1.48                     
  $ 15001 -  20000                 $17,478          $586                   1.70                     
  $ 20001 -  25000                 $22,437          $873                   1.94                     
  $ 25001 -  30000                 $27,434        $1,228                   2.17                     
  $ 30001 -  35000                 $32,455        $1,590                   2.37                     
  $ 35001 -  40000                 $37,536        $1,942                   2.54                     
  $ 40001 -  45000                 $42,497        $2,480                   2.65                     
  $ 45001 -  50000                 $47,509        $2,803                   3.00                     
  $ 50001 -  75000                 $61,161        $4,389                   3.17                     
  $ 75001 - 100000                 $85,128        $7,946                   3.21                     
  $100001 - 250000                $124,885       $16,757                   3.11                     
  OVER $250,000                   $813,600      $164,586                   2.80                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,541        $2,887                   2.29                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               38    $-1,616,686       $11,671     -0.72          77                      
  $     1  -  5000      243       $662,871        $7,010      1.06         113                      
  $  5001 -  10000      168     $1,241,943       $21,601      1.74         161                      
  $ 10001 -  15000      148     $1,851,143       $36,687      1.98         253                      
  $ 15001 -  20000      120     $2,116,339       $61,942      2.93         228                      
  $ 20001 -  25000      109     $2,446,062       $77,110      3.15         245                      
  $ 25001 -  30000       96     $2,619,641       $96,786      3.69         240                      
  $ 30001 -  35000       99     $3,228,056      $111,364      3.45         306                      
  $ 35001 -  40000       81     $3,049,286      $117,482      3.85         260                      
  $ 40001 -  45000       86     $3,649,623      $136,298      3.73         307                      
  $ 45001 -  50000       67     $3,174,203      $137,070      4.32         235                      
  $ 50001 -  75000      345    $21,186,706    $1,065,803      5.03       1,396                      
  $ 75001 - 100000      168    $14,346,844    $1,054,863      7.35         674                      
  $100001 - 250000      113    $15,789,897    $1,900,576     12.04         482                      
  OVER $250,000          11     $4,486,285      $989,007     22.05          40                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,892     $78,232,213    $5,825,270      7.45        5,017                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             2.0            -2.1           0.2                    1.5                     
  $     1  -  5000    12.8             0.8           0.1                    2.3                     
  $  5001 -  10000     8.9             1.6           0.4                    3.2                     
  $ 10001 -  15000     7.8             2.4           0.6                    5.0                     
  $ 15001 -  20000     6.3             2.7           1.1                    4.5                     
  $ 20001 -  25000     5.8             3.1           1.3                    4.9                     
  $ 25001 -  30000     5.1             3.3           1.7                    4.8                     
  $ 30001 -  35000     5.2             4.1           1.9                    6.1                     
  $ 35001 -  40000     4.3             3.9           2.0                    5.2                     
  $ 40001 -  45000     4.5             4.7           2.3                    6.1                     
  $ 45001 -  50000     3.5             4.1           2.4                    4.7                     
  $ 50001 -  75000    18.2            27.1          18.3                   27.8                     
  $ 75001 - 100000     8.9            18.3          18.1                   13.4                     
  $100001 - 250000     6.0            20.2          32.6                    9.6                     
  OVER $250,000        0.6             5.7          17.0                    0.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-42,544          $307                   2.03                     
  $     1  -  5000                  $2,728           $29                   0.47                     
  $  5001 -  10000                  $7,393          $129                   0.96                     
  $ 10001 -  15000                 $12,508          $248                   1.71                     
  $ 15001 -  20000                 $17,636          $516                   1.90                     
  $ 20001 -  25000                 $22,441          $707                   2.25                     
  $ 25001 -  30000                 $27,288        $1,008                   2.50                     
  $ 30001 -  35000                 $32,607        $1,125                   3.09                     
  $ 35001 -  40000                 $37,646        $1,450                   3.21                     
  $ 40001 -  45000                 $42,437        $1,585                   3.57                     
  $ 45001 -  50000                 $47,376        $2,046                   3.51                     
  $ 50001 -  75000                 $61,411        $3,089                   4.05                     
  $ 75001 - 100000                 $85,398        $6,279                   4.01                     
  $100001 - 250000                $139,734       $16,819                   4.27                     
  OVER $250,000                   $407,844       $89,910                   3.64                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $41,349        $3,079                   2.65                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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 $ 5,000         120      $-114,545          $147     -0.13          97                      
  $  5001 -  10000      111       $824,630        $9,213      1.12         148                      
  $ 10001 -  15000      101     $1,239,723       $21,433      1.73         179                      
  $ 15001 -  20000       76     $1,307,371       $33,510      2.56         151                      
  $ 20001 -  25000       67     $1,521,920       $59,370      3.90         161                      
  $ 25001 -  30000       60     $1,646,613       $65,461      3.98         144                      
  $ 30001 -  35000       53     $1,726,578       $47,965      2.78         175                      
  $ 35001 -  40000       48     $1,796,099       $72,634      4.04         146                      
  $ 40001 -  45000       48     $2,039,324       $85,325      4.18         164                      
  $ 45001 -  50000       42     $1,983,880       $89,103      4.49         147                      
  $ 50001 -  75000      126     $7,584,770      $539,474      7.11         404                      
  $ 75001 - 100000       25     $2,074,202      $175,649      8.47          83                      
  OVER $100,000          23    $11,683,037    $3,249,942     27.82          61                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                900     $35,313,602    $4,449,226     12.60        2,060                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       13.3            -0.3           0.0                    4.7                     
  $  5001 -  10000    12.3             2.3           0.2                    7.2                     
  $ 10001 -  15000    11.2             3.5           0.5                    8.7                     
  $ 15001 -  20000     8.4             3.7           0.8                    7.3                     
  $ 20001 -  25000     7.4             4.3           1.3                    7.8                     
  $ 25001 -  30000     6.7             4.7           1.5                    7.0                     
  $ 30001 -  35000     5.9             4.9           1.1                    8.5                     
  $ 35001 -  40000     5.3             5.1           1.6                    7.1                     
  $ 40001 -  45000     5.3             5.8           1.9                    8.0                     
  $ 45001 -  50000     4.7             5.6           2.0                    7.1                     
  $ 50001 -  75000    14.0            21.5          12.1                   19.6                     
  $ 75001 - 100000     2.8             5.9           3.9                    4.0                     
  OVER $100,000        2.6            33.1          73.0                    3.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                      $-955            $1                   0.81                     
  $  5001 -  10000                  $7,429           $83                   1.33                     
  $ 10001 -  15000                 $12,274          $212                   1.77                     
  $ 15001 -  20000                 $17,202          $441                   1.99                     
  $ 20001 -  25000                 $22,715          $886                   2.40                     
  $ 25001 -  30000                 $27,444        $1,091                   2.40                     
  $ 30001 -  35000                 $32,577          $905                   3.30                     
  $ 35001 -  40000                 $37,419        $1,513                   3.04                     
  $ 40001 -  45000                 $42,486        $1,778                   3.42                     
  $ 45001 -  50000                 $47,235        $2,122                   3.50                     
  $ 50001 -  75000                 $60,197        $4,282                   3.21                     
  $ 75001 - 100000                 $82,968        $7,026                   3.32                     
  OVER $100,000                   $507,958      $141,302                   2.65                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,237        $4,944                   2.29                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                    
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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            1,929   $-59,061,458      $122,941     -0.21       2,436                      
  $     1  -  5000   13,154    $35,231,722      $154,036      0.44      10,450                      
  $  5001 -  10000   15,060   $113,148,147    $1,246,329      1.10      18,038                      
  $ 10001 -  15000   15,632   $195,523,156    $4,192,772      2.14      25,109                      
  $ 15001 -  20000   15,289   $267,586,899    $8,321,203      3.11      28,123                      
  $ 20001 -  25000   13,940   $312,531,241   $12,972,874      4.15      27,435                      
  $ 25001 -  30000   11,295   $309,992,287   $15,542,010      5.01      23,077                      
  $ 30001 -  35000    9,431   $305,819,015   $17,582,242      5.75      19,680                      
  $ 35001 -  40000    7,910   $296,188,160   $18,745,227      6.33      17,088                      
  $ 40001 -  45000    6,779   $287,888,988   $19,723,811      6.85      15,265                      
  $ 45001 -  50000    5,834   $276,650,758   $20,831,143      7.53      13,371                      
  $ 50001 -  75000   18,485 $1,127,234,143   $95,142,123      8.44      47,027                      
  $ 75001 - 100000    9,017   $775,119,773   $77,709,689     10.03      24,942                      
  $100001 - 250000    9,611 $1,368,947,642  $197,283,361     14.41      28,360                      
  OVER $250,000       2,019 $1,163,084,618  $268,065,312     23.05       6,198                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL            155,385  $6,775,885,091  $757,635,073     11.18      306,599                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.2            -0.9           0.0                    0.8                     
  $     1  -  5000     8.5             0.5           0.0                    3.4                     
  $  5001 -  10000     9.7             1.7           0.2                    5.9                     
  $ 10001 -  15000    10.1             2.9           0.6                    8.2                     
  $ 15001 -  20000     9.8             3.9           1.1                    9.2                     
  $ 20001 -  25000     9.0             4.6           1.7                    8.9                     
  $ 25001 -  30000     7.3             4.6           2.1                    7.5                     
  $ 30001 -  35000     6.1             4.5           2.3                    6.4                     
  $ 35001 -  40000     5.1             4.4           2.5                    5.6                     
  $ 40001 -  45000     4.4             4.2           2.6                    5.0                     
  $ 45001 -  50000     3.8             4.1           2.7                    4.4                     
  $ 50001 -  75000    11.9            16.6          12.6                   15.3                     
  $ 75001 - 100000     5.8            11.4          10.3                    8.1                     
  $100001 - 250000     6.2            20.2          26.0                    9.2                     
  OVER $250,000        1.3            17.2          35.4                    2.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-30,618           $64                   1.26                     
  $     1  -  5000                  $2,678           $12                   0.79                     
  $  5001 -  10000                  $7,513           $83                   1.20                     
  $ 10001 -  15000                 $12,508          $268                   1.61                     
  $ 15001 -  20000                 $17,502          $544                   1.84                     
  $ 20001 -  25000                 $22,420          $931                   1.97                     
  $ 25001 -  30000                 $27,445        $1,376                   2.04                     
  $ 30001 -  35000                 $32,427        $1,864                   2.09                     
  $ 35001 -  40000                 $37,445        $2,370                   2.16                     
  $ 40001 -  45000                 $42,468        $2,910                   2.25                     
  $ 45001 -  50000                 $47,420        $3,571                   2.29                     
  $ 50001 -  75000                 $60,981        $5,147                   2.54                     
  $ 75001 - 100000                 $85,962        $8,618                   2.77                     
  $100001 - 250000                $142,436       $20,527                   2.95                     
  OVER $250,000                   $576,070      $132,771                   3.07                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $43,607        $4,876                   1.97                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                             
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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              507   $-32,863,861      $257,929     -0.78         754                      
  $     1  -  5000    4,358    $11,248,195       $40,515      0.36       1,785                      
  $  5001 -  10000    3,835    $28,463,519      $507,109      1.78       3,175                      
  $ 10001 -  15000    3,277    $40,835,675    $1,136,070      2.78       4,286                      
  $ 15001 -  20000    3,008    $52,560,371    $1,847,313      3.51       4,840                      
  $ 20001 -  25000    2,684    $60,264,436    $2,611,684      4.33       4,902                      
  $ 25001 -  30000    2,187    $60,002,384    $2,894,669      4.82       4,419                      
  $ 30001 -  35000    1,998    $64,903,152    $3,399,646      5.24       4,300                      
  $ 35001 -  40000    1,827    $68,445,883    $3,806,383      5.56       4,223                      
  $ 40001 -  45000    1,580    $67,093,590    $3,812,737      5.68       4,013                      
  $ 45001 -  50000    1,573    $74,688,875    $4,529,452      6.06       4,306                      
  $ 50001 -  75000    6,167   $380,210,984   $27,068,444      7.12      18,566                      
  $ 75001 - 100000    4,127   $355,880,513   $31,047,939      8.72      13,696                      
  $100001 - 250000    4,404   $616,149,543   $83,332,877     13.52      15,083                      
  OVER $250,000         663   $348,675,136   $83,857,490     24.05       2,329                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             42,195  $2,196,558,395  $250,150,257     11.39       90,677                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.2            -1.5           0.1                    0.8                     
  $     1  -  5000    10.3             0.5           0.0                    2.0                     
  $  5001 -  10000     9.1             1.3           0.2                    3.5                     
  $ 10001 -  15000     7.8             1.9           0.5                    4.7                     
  $ 15001 -  20000     7.1             2.4           0.7                    5.3                     
  $ 20001 -  25000     6.4             2.7           1.0                    5.4                     
  $ 25001 -  30000     5.2             2.7           1.2                    4.9                     
  $ 30001 -  35000     4.7             3.0           1.4                    4.7                     
  $ 35001 -  40000     4.3             3.1           1.5                    4.7                     
  $ 40001 -  45000     3.7             3.1           1.5                    4.4                     
  $ 45001 -  50000     3.7             3.4           1.8                    4.7                     
  $ 50001 -  75000    14.6            17.3          10.8                   20.5                     
  $ 75001 - 100000     9.8            16.2          12.4                   15.1                     
  $100001 - 250000    10.4            28.1          33.3                   16.6                     
  OVER $250,000        1.6            15.9          33.5                    2.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-64,820          $509                   1.49                     
  $     1  -  5000                  $2,581            $9                   0.41                     
  $  5001 -  10000                  $7,422          $132                   0.83                     
  $ 10001 -  15000                 $12,461          $347                   1.31                     
  $ 15001 -  20000                 $17,474          $614                   1.61                     
  $ 20001 -  25000                 $22,453          $973                   1.83                     
  $ 25001 -  30000                 $27,436        $1,324                   2.02                     
  $ 30001 -  35000                 $32,484        $1,702                   2.15                     
  $ 35001 -  40000                 $37,464        $2,083                   2.31                     
  $ 40001 -  45000                 $42,464        $2,413                   2.54                     
  $ 45001 -  50000                 $47,482        $2,879                   2.74                     
  $ 50001 -  75000                 $61,653        $4,389                   3.01                     
  $ 75001 - 100000                 $86,232        $7,523                   3.32                     
  $100001 - 250000                $139,907       $18,922                   3.42                     
  OVER $250,000                   $525,905      $126,482                   3.51                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $52,057        $5,928                   2.15                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               38      $-695,310            $0      0.00          59                      
  $     1  -  5000      242       $681,362        $2,445      0.36         100                      
  $  5001 -  10000      202     $1,482,472       $28,335      1.91         202                      
  $ 10001 -  15000      175     $2,152,079       $64,491      3.00         279                      
  $ 15001 -  20000      146     $2,551,084       $81,165      3.18         257                      
  $ 20001 -  25000       99     $2,218,527       $63,211      2.85         234                      
  $ 25001 -  30000       90     $2,463,292       $75,063      3.05         238                      
  $ 30001 -  35000       83     $2,685,297       $98,806      3.68         227                      
  $ 35001 -  40000       79     $2,978,882      $109,159      3.66         257                      
  $ 40001 -  45000       87     $3,691,906      $156,855      4.25         275                      
  $ 45001 -  50000       82     $3,912,776      $188,537      4.82         284                      
  $ 50001 -  75000      317    $19,533,006    $1,104,208      5.65       1,143                      
  $ 75001 - 100000      190    $16,501,539    $1,308,527      7.93         679                      
  $100001 - 250000      130    $17,160,618    $1,938,616     11.30         527                      
  OVER $250,000          17     $6,128,024    $1,219,338     19.90          72                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,977     $83,445,554    $6,438,756      7.72        4,833                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.9            -0.8           0.0                    1.2                     
  $     1  -  5000    12.2             0.8           0.0                    2.1                     
  $  5001 -  10000    10.2             1.8           0.4                    4.2                     
  $ 10001 -  15000     8.9             2.6           1.0                    5.8                     
  $ 15001 -  20000     7.4             3.1           1.3                    5.3                     
  $ 20001 -  25000     5.0             2.7           1.0                    4.8                     
  $ 25001 -  30000     4.6             3.0           1.2                    4.9                     
  $ 30001 -  35000     4.2             3.2           1.5                    4.7                     
  $ 35001 -  40000     4.0             3.6           1.7                    5.3                     
  $ 40001 -  45000     4.4             4.4           2.4                    5.7                     
  $ 45001 -  50000     4.1             4.7           2.9                    5.9                     
  $ 50001 -  75000    16.0            23.4          17.1                   23.6                     
  $ 75001 - 100000     9.6            19.8          20.3                   14.0                     
  $100001 - 250000     6.6            20.6          30.1                   10.9                     
  OVER $250,000        0.9             7.3          18.9                    1.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-18,298            $0                   1.55                     
  $     1  -  5000                  $2,816           $10                   0.41                     
  $  5001 -  10000                  $7,339          $140                   1.00                     
  $ 10001 -  15000                 $12,298          $369                   1.59                     
  $ 15001 -  20000                 $17,473          $556                   1.76                     
  $ 20001 -  25000                 $22,409          $638                   2.36                     
  $ 25001 -  30000                 $27,370          $834                   2.64                     
  $ 30001 -  35000                 $32,353        $1,190                   2.73                     
  $ 35001 -  40000                 $37,707        $1,382                   3.25                     
  $ 40001 -  45000                 $42,436        $1,803                   3.16                     
  $ 45001 -  50000                 $47,717        $2,299                   3.46                     
  $ 50001 -  75000                 $61,618        $3,483                   3.61                     
  $ 75001 - 100000                 $86,850        $6,887                   3.57                     
  $100001 - 250000                $132,005       $14,912                   4.05                     
  OVER $250,000                   $360,472       $71,726                   4.24                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $42,208        $3,257                   2.44                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               14      $-767,989            $0      0.00          31                      
  $     1  -  5000      168       $459,289          $257      0.06         107                      
  $  5001 -  10000      182     $1,352,737       $14,232      1.05         236                      
  $ 10001 -  15000      167     $2,069,746       $35,517      1.72         367                      
  $ 15001 -  20000      144     $2,533,102       $56,286      2.22         350                      
  $ 20001 -  25000      145     $3,271,170       $87,155      2.66         396                      
  $ 25001 -  30000      136     $3,751,839      $118,538      3.16         378                      
  $ 30001 -  35000      156     $5,064,212      $156,370      3.09         531                      
  $ 35001 -  40000      145     $5,460,043      $159,331      2.92         547                      
  $ 40001 -  45000      143     $6,050,464      $248,889      4.11         479                      
  $ 45001 -  50000      125     $5,912,106      $197,392      3.34         506                      
  $ 50001 -  75000      416    $25,111,071    $1,336,144      5.32       1,683                      
  $ 75001 - 100000      117     $9,938,565      $770,788      7.76         474                      
  OVER $100,000          42     $5,676,375      $743,616     13.10         174                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,100     $75,882,730    $3,924,515      5.17        6,259                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.7            -1.0           0.0                    0.5                     
  $     1  -  5000     8.0             0.6           0.0                    1.7                     
  $  5001 -  10000     8.7             1.8           0.4                    3.8                     
  $ 10001 -  15000     8.0             2.7           0.9                    5.9                     
  $ 15001 -  20000     6.9             3.3           1.4                    5.6                     
  $ 20001 -  25000     6.9             4.3           2.2                    6.3                     
  $ 25001 -  30000     6.5             4.9           3.0                    6.0                     
  $ 30001 -  35000     7.4             6.7           4.0                    8.5                     
  $ 35001 -  40000     6.9             7.2           4.1                    8.7                     
  $ 40001 -  45000     6.8             8.0           6.3                    7.7                     
  $ 45001 -  50000     6.0             7.8           5.0                    8.1                     
  $ 50001 -  75000    19.8            33.1          34.0                   26.9                     
  $ 75001 - 100000     5.6            13.1          19.6                    7.6                     
  OVER $100,000        2.0             7.5          18.9                    2.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-54,856            $0                   2.21                     
  $     1  -  5000                  $2,734            $2                   0.64                     
  $  5001 -  10000                  $7,433           $78                   1.30                     
  $ 10001 -  15000                 $12,394          $213                   2.20                     
  $ 15001 -  20000                 $17,591          $391                   2.43                     
  $ 20001 -  25000                 $22,560          $601                   2.73                     
  $ 25001 -  30000                 $27,587          $872                   2.78                     
  $ 30001 -  35000                 $32,463        $1,002                   3.40                     
  $ 35001 -  40000                 $37,655        $1,099                   3.77                     
  $ 40001 -  45000                 $42,311        $1,740                   3.35                     
  $ 45001 -  50000                 $47,297        $1,579                   4.05                     
  $ 50001 -  75000                 $60,363        $3,212                   4.05                     
  $ 75001 - 100000                 $84,945        $6,588                   4.05                     
  OVER $100,000                   $135,152       $17,705                   4.14                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $36,135        $1,869                   2.98                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                  
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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 $1               11    $-2,151,877            $0      0.00          31                      
  $     1  -  5000       84       $249,107          $367      0.15          43                      
  $  5001 -  10000       61       $456,132        $5,600      1.23          77                      
  $ 10001 -  15000       59       $729,795       $13,907      1.91         118                      
  $ 15001 -  20000       60     $1,065,836       $20,803      1.95         153                      
  $ 20001 -  25000       56     $1,250,775       $20,957      1.68         161                      
  $ 25001 -  30000       59     $1,630,598       $29,720      1.82         181                      
  $ 30001 -  35000       85     $2,766,885       $61,512      2.22         282                      
  $ 35001 -  40000      102     $3,808,949       $99,370      2.61         342                      
  $ 40001 -  45000      124     $5,280,736      $127,957      2.42         451                      
  $ 45001 -  50000      124     $5,876,909      $208,305      3.54         448                      
  $ 50001 -  75000      384    $23,450,531    $1,300,026      5.54       1,307                      
  $ 75001 - 100000      131    $11,055,622      $859,051      7.77         454                      
  OVER $100,000         103    $14,421,235    $1,935,654     13.42         353                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,443     $69,891,233    $4,683,229      6.70        4,401                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -3.1           0.0                    0.7                     
  $     1  -  5000     5.8             0.4           0.0                    1.0                     
  $  5001 -  10000     4.2             0.7           0.1                    1.7                     
  $ 10001 -  15000     4.1             1.0           0.3                    2.7                     
  $ 15001 -  20000     4.2             1.5           0.4                    3.5                     
  $ 20001 -  25000     3.9             1.8           0.4                    3.7                     
  $ 25001 -  30000     4.1             2.3           0.6                    4.1                     
  $ 30001 -  35000     5.9             4.0           1.3                    6.4                     
  $ 35001 -  40000     7.1             5.4           2.1                    7.8                     
  $ 40001 -  45000     8.6             7.6           2.7                   10.2                     
  $ 45001 -  50000     8.6             8.4           4.4                   10.2                     
  $ 50001 -  75000    26.6            33.6          27.8                   29.7                     
  $ 75001 - 100000     9.1            15.8          18.3                   10.3                     
  OVER $100,000        7.1            20.6          41.3                    8.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-195625            $0                   2.82                     
  $     1  -  5000                  $2,966            $4                   0.51                     
  $  5001 -  10000                  $7,478           $92                   1.26                     
  $ 10001 -  15000                 $12,369          $236                   2.00                     
  $ 15001 -  20000                 $17,764          $347                   2.55                     
  $ 20001 -  25000                 $22,335          $374                   2.88                     
  $ 25001 -  30000                 $27,637          $504                   3.07                     
  $ 30001 -  35000                 $32,552          $724                   3.32                     
  $ 35001 -  40000                 $37,343          $974                   3.35                     
  $ 40001 -  45000                 $42,587        $1,032                   3.64                     
  $ 45001 -  50000                 $47,394        $1,680                   3.61                     
  $ 50001 -  75000                 $61,069        $3,385                   3.40                     
  $ 75001 - 100000                 $84,394        $6,558                   3.47                     
  OVER $100,000                   $140,012       $18,793                   3.43                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $48,435        $3,245                   3.05                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               36      $-999,460        $1,567     -0.16          68                      
  $     1  -  5000      313       $860,142        $1,074      0.12         146                      
  $  5001 -  10000      328     $2,425,993       $38,835      1.60         291                      
  $ 10001 -  15000      261     $3,263,409       $79,164      2.43         388                      
  $ 15001 -  20000      249     $4,325,926      $121,122      2.80         468                      
  $ 20001 -  25000      199     $4,452,254      $158,765      3.57         399                      
  $ 25001 -  30000      165     $4,565,056      $164,030      3.59         406                      
  $ 30001 -  35000      193     $6,269,928      $217,120      3.46         560                      
  $ 35001 -  40000      188     $6,981,343      $275,875      3.95         583                      
  $ 40001 -  45000      180     $7,630,376      $348,343      4.57         552                      
  $ 45001 -  50000      171     $8,056,563      $370,294      4.60         599                      
  $ 50001 -  75000      594    $36,383,688    $2,211,336      6.08       2,130                      
  $ 75001 - 100000      212    $18,003,612    $1,478,001      8.21         799                      
  $100001 - 250000      142    $19,051,392    $2,340,773     12.29         570                      
  OVER $250,000          13     $6,636,928    $1,537,429     23.16          54                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,244    $127,907,150    $9,343,728      7.31        8,013                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -0.8           0.0                    0.8                     
  $     1  -  5000     9.6             0.7           0.0                    1.8                     
  $  5001 -  10000    10.1             1.9           0.4                    3.6                     
  $ 10001 -  15000     8.0             2.6           0.8                    4.8                     
  $ 15001 -  20000     7.7             3.4           1.3                    5.8                     
  $ 20001 -  25000     6.1             3.5           1.7                    5.0                     
  $ 25001 -  30000     5.1             3.6           1.8                    5.1                     
  $ 30001 -  35000     5.9             4.9           2.3                    7.0                     
  $ 35001 -  40000     5.8             5.5           3.0                    7.3                     
  $ 40001 -  45000     5.5             6.0           3.7                    6.9                     
  $ 45001 -  50000     5.3             6.3           4.0                    7.5                     
  $ 50001 -  75000    18.3            28.4          23.7                   26.6                     
  $ 75001 - 100000     6.5            14.1          15.8                   10.0                     
  $100001 - 250000     4.4            14.9          25.1                    7.1                     
  OVER $250,000        0.4             5.2          16.5                    0.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-27,763           $44                   1.89                     
  $     1  -  5000                  $2,748            $3                   0.47                     
  $  5001 -  10000                  $7,396          $118                   0.89                     
  $ 10001 -  15000                 $12,503          $303                   1.49                     
  $ 15001 -  20000                 $17,373          $486                   1.88                     
  $ 20001 -  25000                 $22,373          $798                   2.01                     
  $ 25001 -  30000                 $27,667          $994                   2.46                     
  $ 30001 -  35000                 $32,487        $1,125                   2.90                     
  $ 35001 -  40000                 $37,135        $1,467                   3.10                     
  $ 40001 -  45000                 $42,391        $1,935                   3.07                     
  $ 45001 -  50000                 $47,114        $2,165                   3.50                     
  $ 50001 -  75000                 $61,252        $3,723                   3.59                     
  $ 75001 - 100000                 $84,923        $6,972                   3.77                     
  $100001 - 250000                $134,165       $16,484                   4.01                     
  OVER $250,000                   $510,533      $118,264                   4.15                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,429        $2,880                   2.47                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                      
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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              152    $-5,209,589        $3,063     -0.06         313                      
  $     1  -  5000    1,554     $4,028,790       $57,478      1.43         514                      
  $  5001 -  10000    1,196     $8,705,315      $183,274      2.11         722                      
  $ 10001 -  15000      886    $11,034,879      $342,590      3.10       1,065                      
  $ 15001 -  20000      781    $13,610,992      $527,017      3.87       1,208                      
  $ 20001 -  25000      657    $14,756,348      $664,722      4.50       1,160                      
  $ 25001 -  30000      532    $14,594,976      $696,604      4.77       1,102                      
  $ 30001 -  35000      448    $14,621,649      $636,090      4.35       1,086                      
  $ 35001 -  40000      478    $17,913,274      $862,465      4.81       1,194                      
  $ 40001 -  45000      428    $18,133,788      $857,097      4.73       1,215                      
  $ 45001 -  50000      461    $21,934,890    $1,134,991      5.17       1,399                      
  $ 50001 -  75000    2,244   $139,936,773    $8,165,808      5.84       7,964                      
  $ 75001 - 100000    1,724   $148,660,617   $10,969,522      7.38       6,610                      
  $100001 - 250000    1,636   $217,129,892   $26,442,667     12.18       6,358                      
  OVER $250,000         117    $48,489,507   $11,103,495     22.90         440                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             13,294    $688,342,101   $62,646,883      9.10       32,350                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -0.8           0.0                    1.0                     
  $     1  -  5000    11.7             0.6           0.1                    1.6                     
  $  5001 -  10000     9.0             1.3           0.3                    2.2                     
  $ 10001 -  15000     6.7             1.6           0.5                    3.3                     
  $ 15001 -  20000     5.9             2.0           0.8                    3.7                     
  $ 20001 -  25000     4.9             2.1           1.1                    3.6                     
  $ 25001 -  30000     4.0             2.1           1.1                    3.4                     
  $ 30001 -  35000     3.4             2.1           1.0                    3.4                     
  $ 35001 -  40000     3.6             2.6           1.4                    3.7                     
  $ 40001 -  45000     3.2             2.6           1.4                    3.8                     
  $ 45001 -  50000     3.5             3.2           1.8                    4.3                     
  $ 50001 -  75000    16.9            20.3          13.0                   24.6                     
  $ 75001 - 100000    13.0            21.6          17.5                   20.4                     
  $100001 - 250000    12.3            31.5          42.2                   19.7                     
  OVER $250,000        0.9             7.0          17.7                    1.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-34,274           $20                   2.06                     
  $     1  -  5000                  $2,593           $37                   0.33                     
  $  5001 -  10000                  $7,279          $153                   0.60                     
  $ 10001 -  15000                 $12,455          $387                   1.20                     
  $ 15001 -  20000                 $17,428          $675                   1.55                     
  $ 20001 -  25000                 $22,460        $1,012                   1.77                     
  $ 25001 -  30000                 $27,434        $1,309                   2.07                     
  $ 30001 -  35000                 $32,638        $1,420                   2.42                     
  $ 35001 -  40000                 $37,475        $1,804                   2.50                     
  $ 40001 -  45000                 $42,369        $2,003                   2.84                     
  $ 45001 -  50000                 $47,581        $2,462                   3.03                     
  $ 50001 -  75000                 $62,360        $3,639                   3.55                     
  $ 75001 - 100000                 $86,230        $6,363                   3.83                     
  $100001 - 250000                $132,720       $16,163                   3.89                     
  OVER $250,000                   $414,440       $94,902                   3.76                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $51,778        $4,712                   2.43                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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         113       $155,833          $902      0.58          73                      
  $  5001 -  10000       99       $732,244        $9,528      1.30         106                      
  $ 10001 -  15000       76       $935,397       $18,960      2.03         111                      
  $ 15001 -  20000       75     $1,320,481       $41,261      3.12         123                      
  $ 20001 -  25000       91     $2,029,078       $68,482      3.38         191                      
  $ 25001 -  30000       71     $1,953,294       $88,403      4.53         149                      
  $ 30001 -  35000       62     $2,006,656       $75,058      3.74         173                      
  $ 35001 -  40000       50     $1,880,855      $105,786      5.62         118                      
  $ 40001 -  45000       57     $2,414,949      $163,117      6.75         131                      
  $ 45001 -  50000       46     $2,171,478      $132,738      6.11         130                      
  $ 50001 -  75000      159     $9,755,783      $669,837      6.87         511                      
  $ 75001 - 100000       91     $7,965,487      $735,334      9.23         291                      
  OVER $100,000          95    $14,314,436    $2,183,069     15.25         295                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,085     $47,635,971    $4,292,475      9.01        2,402                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000       10.4             0.3           0.0                    3.0                     
  $  5001 -  10000     9.1             1.5           0.2                    4.4                     
  $ 10001 -  15000     7.0             2.0           0.4                    4.6                     
  $ 15001 -  20000     6.9             2.8           1.0                    5.1                     
  $ 20001 -  25000     8.4             4.3           1.6                    8.0                     
  $ 25001 -  30000     6.5             4.1           2.1                    6.2                     
  $ 30001 -  35000     5.7             4.2           1.7                    7.2                     
  $ 35001 -  40000     4.6             3.9           2.5                    4.9                     
  $ 40001 -  45000     5.3             5.1           3.8                    5.5                     
  $ 45001 -  50000     4.2             4.6           3.1                    5.4                     
  $ 50001 -  75000    14.7            20.5          15.6                   21.3                     
  $ 75001 - 100000     8.4            16.7          17.1                   12.1                     
  OVER $100,000        8.8            30.0          50.9                   12.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $1,379            $8                   0.65                     
  $  5001 -  10000                  $7,396           $96                   1.07                     
  $ 10001 -  15000                 $12,308          $249                   1.46                     
  $ 15001 -  20000                 $17,606          $550                   1.64                     
  $ 20001 -  25000                 $22,298          $753                   2.10                     
  $ 25001 -  30000                 $27,511        $1,245                   2.10                     
  $ 30001 -  35000                 $32,365        $1,211                   2.79                     
  $ 35001 -  40000                 $37,617        $2,116                   2.36                     
  $ 40001 -  45000                 $42,368        $2,862                   2.30                     
  $ 45001 -  50000                 $47,206        $2,886                   2.83                     
  $ 50001 -  75000                 $61,357        $4,213                   3.21                     
  $ 75001 - 100000                 $87,533        $8,081                   3.20                     
  OVER $100,000                   $150,678       $22,980                   3.11                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $43,904        $3,956                   2.21                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                   
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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          78       $146,680          $346      0.24         117                      
  $  5001 -  10000      113       $848,024        $4,067      0.48         189                      
  $ 10001 -  15000      112     $1,397,145       $25,834      1.85         207                      
  $ 15001 -  20000      144     $2,506,477       $58,134      2.32         324                      
  $ 20001 -  25000      131     $2,917,500      $104,731      3.59         298                      
  $ 25001 -  30000      123     $3,361,461      $149,979      4.46         274                      
  $ 30001 -  35000       93     $3,019,548      $164,907      5.46         206                      
  $ 35001 -  40000       63     $2,344,319      $151,983      6.48         145                      
  $ 40001 -  45000       54     $2,289,230      $162,483      7.10         121                      
  $ 45001 -  50000       30     $1,441,052      $128,679      8.93          62                      
  $ 50001 -  75000       74     $4,331,290      $377,909      8.73         187                      
  $ 75001 - 250000       13     $1,167,915      $152,076     13.02          39                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,028     $25,770,641    $1,481,128      5.75        2,169                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000        7.6             0.6           0.0                    5.4                     
  $  5001 -  10000    11.0             3.3           0.3                    8.7                     
  $ 10001 -  15000    10.9             5.4           1.7                    9.5                     
  $ 15001 -  20000    14.0             9.7           3.9                   14.9                     
  $ 20001 -  25000    12.7            11.3           7.1                   13.7                     
  $ 25001 -  30000    12.0            13.0          10.1                   12.6                     
  $ 30001 -  35000     9.0            11.7          11.1                    9.5                     
  $ 35001 -  40000     6.1             9.1          10.3                    6.7                     
  $ 40001 -  45000     5.3             8.9          11.0                    5.6                     
  $ 45001 -  50000     2.9             5.6           8.7                    2.9                     
  $ 50001 -  75000     7.2            16.8          25.5                    8.6                     
  $ 75001 - 250000     1.3             4.5          10.3                    1.8                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $1,881            $4                   1.50                     
  $  5001 -  10000                  $7,505           $36                   1.67                     
  $ 10001 -  15000                 $12,475          $231                   1.85                     
  $ 15001 -  20000                 $17,406          $404                   2.25                     
  $ 20001 -  25000                 $22,271          $799                   2.27                     
  $ 25001 -  30000                 $27,329        $1,219                   2.23                     
  $ 30001 -  35000                 $32,468        $1,773                   2.22                     
  $ 35001 -  40000                 $37,211        $2,412                   2.30                     
  $ 40001 -  45000                 $42,393        $3,009                   2.24                     
  $ 45001 -  50000                 $48,035        $4,289                   2.07                     
  $ 50001 -  75000                 $58,531        $5,107                   2.53                     
  $ 75001 - 250000                 $89,840       $11,698                   3.00                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $25,069        $1,441                   2.11                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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          95       $146,693          $524      0.36          45                      
  $  5001 -  10000       87       $643,983       $13,406      2.08          76                      
  $ 10001 -  15000       72       $919,092       $25,295      2.75          96                      
  $ 15001 -  20000       61     $1,077,761       $44,049      4.09          86                      
  $ 20001 -  25000       50     $1,132,923       $43,002      3.80         102                      
  $ 25001 -  30000       48     $1,341,307       $53,759      4.01         112                      
  $ 30001 -  35000       47     $1,533,469       $70,644      4.61         112                      
  $ 35001 -  40000       46     $1,722,127       $65,166      3.78         135                      
  $ 40001 -  45000       52     $2,208,122      $117,907      5.34         161                      
  $ 45001 -  50000       46     $2,194,304       $87,525      3.99         156                      
  $ 50001 -  75000      281    $17,413,877    $1,075,613      6.18         959                      
  $ 75001 - 100000      208    $17,977,966    $1,409,381      7.84         781                      
  OVER $100,000         146    $19,334,466    $2,508,705     12.98         548                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,239     $67,646,090    $5,514,976      8.15        3,369                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000        7.7             0.2           0.0                    1.3                     
  $  5001 -  10000     7.0             1.0           0.2                    2.3                     
  $ 10001 -  15000     5.8             1.4           0.5                    2.8                     
  $ 15001 -  20000     4.9             1.6           0.8                    2.6                     
  $ 20001 -  25000     4.0             1.7           0.8                    3.0                     
  $ 25001 -  30000     3.9             2.0           1.0                    3.3                     
  $ 30001 -  35000     3.8             2.3           1.3                    3.3                     
  $ 35001 -  40000     3.7             2.5           1.2                    4.0                     
  $ 40001 -  45000     4.2             3.3           2.1                    4.8                     
  $ 45001 -  50000     3.7             3.2           1.6                    4.6                     
  $ 50001 -  75000    22.7            25.7          19.5                   28.5                     
  $ 75001 - 100000    16.8            26.6          25.6                   23.2                     
  OVER $100,000       11.8            28.6          45.5                   16.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $1,544            $6                   0.47                     
  $  5001 -  10000                  $7,402          $154                   0.87                     
  $ 10001 -  15000                 $12,765          $351                   1.33                     
  $ 15001 -  20000                 $17,668          $722                   1.41                     
  $ 20001 -  25000                 $22,658          $860                   2.04                     
  $ 25001 -  30000                 $27,944        $1,120                   2.33                     
  $ 30001 -  35000                 $32,627        $1,503                   2.38                     
  $ 35001 -  40000                 $37,438        $1,417                   2.93                     
  $ 40001 -  45000                 $42,464        $2,267                   3.10                     
  $ 45001 -  50000                 $47,702        $1,903                   3.39                     
  $ 50001 -  75000                 $61,971        $3,828                   3.41                     
  $ 75001 - 100000                 $86,433        $6,776                   3.75                     
  OVER $100,000                   $132,428       $17,183                   3.75                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $54,597        $4,451                   2.72                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                      
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               97    $-4,594,282        $1,422     -0.03         203                      
  $     1  -  5000      815     $2,219,329        $4,681      0.21         487                      
  $  5001 -  10000      792     $5,914,312       $88,001      1.49         874                      
  $ 10001 -  15000      719     $9,024,265      $202,241      2.24       1,210                      
  $ 15001 -  20000      649    $11,329,777      $310,353      2.74       1,371                      
  $ 20001 -  25000      620    $13,935,893      $442,964      3.18       1,478                      
  $ 25001 -  30000      562    $15,413,296      $488,810      3.17       1,528                      
  $ 30001 -  35000      548    $17,778,464      $655,774      3.69       1,565                      
  $ 35001 -  40000      553    $20,796,524      $712,085      3.42       1,793                      
  $ 40001 -  45000      488    $20,751,915      $794,643      3.83       1,679                      
  $ 45001 -  50000      513    $24,361,150      $990,828      4.07       1,891                      
  $ 50001 -  75000    1,726   $105,014,362    $5,668,561      5.40       6,621                      
  $ 75001 - 100000      661    $56,274,245    $4,259,023      7.57       2,619                      
  $100001 - 250000      349    $45,332,101    $5,646,246     12.46       1,330                      
  OVER $250,000          23    $16,976,446    $4,809,673     28.33          70                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              9,115    $360,527,797   $25,075,305      6.96       24,719                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -1.3           0.0                    0.8                     
  $     1  -  5000     8.9             0.6           0.0                    2.0                     
  $  5001 -  10000     8.7             1.6           0.4                    3.5                     
  $ 10001 -  15000     7.9             2.5           0.8                    4.9                     
  $ 15001 -  20000     7.1             3.1           1.2                    5.5                     
  $ 20001 -  25000     6.8             3.9           1.8                    6.0                     
  $ 25001 -  30000     6.2             4.3           1.9                    6.2                     
  $ 30001 -  35000     6.0             4.9           2.6                    6.3                     
  $ 35001 -  40000     6.1             5.8           2.8                    7.3                     
  $ 40001 -  45000     5.4             5.8           3.2                    6.8                     
  $ 45001 -  50000     5.6             6.8           4.0                    7.6                     
  $ 50001 -  75000    18.9            29.1          22.6                   26.8                     
  $ 75001 - 100000     7.3            15.6          17.0                   10.6                     
  $100001 - 250000     3.8            12.6          22.5                    5.4                     
  OVER $250,000        0.3             4.7          19.2                    0.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-47,364           $15                   2.09                     
  $     1  -  5000                  $2,723            $6                   0.60                     
  $  5001 -  10000                  $7,468          $111                   1.10                     
  $ 10001 -  15000                 $12,551          $281                   1.68                     
  $ 15001 -  20000                 $17,457          $478                   2.11                     
  $ 20001 -  25000                 $22,477          $714                   2.38                     
  $ 25001 -  30000                 $27,426          $870                   2.72                     
  $ 30001 -  35000                 $32,442        $1,197                   2.86                     
  $ 35001 -  40000                 $37,607        $1,288                   3.24                     
  $ 40001 -  45000                 $42,524        $1,628                   3.44                     
  $ 45001 -  50000                 $47,488        $1,931                   3.69                     
  $ 50001 -  75000                 $60,843        $3,284                   3.84                     
  $ 75001 - 100000                 $85,135        $6,443                   3.96                     
  $100001 - 250000                $129,891       $16,178                   3.81                     
  OVER $250,000                   $738,106      $209,116                   3.04                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,553        $2,751                   2.71                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               67    $-1,083,908           $44     -0.00         144                      
  $     1  -  5000      780     $2,103,934        $3,573      0.17         539                      
  $  5001 -  10000      749     $5,588,172       $75,320      1.35         900                      
  $ 10001 -  15000      691     $8,578,647      $167,540      1.95       1,237                      
  $ 15001 -  20000      652    $11,382,942      $296,756      2.61       1,382                      
  $ 20001 -  25000      585    $13,121,548      $398,023      3.03       1,444                      
  $ 25001 -  30000      556    $15,251,424      $486,078      3.19       1,498                      
  $ 30001 -  35000      514    $16,672,263      $643,776      3.86       1,467                      
  $ 35001 -  40000      451    $16,852,563      $716,187      4.25       1,359                      
  $ 40001 -  45000      441    $18,742,880      $777,844      4.15       1,385                      
  $ 45001 -  50000      407    $19,331,261      $875,383      4.53       1,411                      
  $ 50001 -  75000    1,230    $75,213,389    $4,149,835      5.52       4,638                      
  $ 75001 - 100000      561    $47,998,877    $3,719,651      7.75       2,115                      
  $100001 - 250000      361    $48,820,005    $5,874,135     12.03       1,383                      
  OVER $250,000          46    $24,334,346    $5,626,008     23.12         187                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              8,091    $322,908,343   $23,810,153      7.37       21,089                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.8            -0.3           0.0                    0.7                     
  $     1  -  5000     9.6             0.7           0.0                    2.6                     
  $  5001 -  10000     9.3             1.7           0.3                    4.3                     
  $ 10001 -  15000     8.5             2.7           0.7                    5.9                     
  $ 15001 -  20000     8.1             3.5           1.2                    6.6                     
  $ 20001 -  25000     7.2             4.1           1.7                    6.8                     
  $ 25001 -  30000     6.9             4.7           2.0                    7.1                     
  $ 30001 -  35000     6.4             5.2           2.7                    7.0                     
  $ 35001 -  40000     5.6             5.2           3.0                    6.4                     
  $ 40001 -  45000     5.5             5.8           3.3                    6.6                     
  $ 45001 -  50000     5.0             6.0           3.7                    6.7                     
  $ 50001 -  75000    15.2            23.3          17.4                   22.0                     
  $ 75001 - 100000     6.9            14.9          15.6                   10.0                     
  $100001 - 250000     4.5            15.1          24.7                    6.6                     
  OVER $250,000        0.6             7.5          23.6                    0.9                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-16,178            $1                   2.15                     
  $     1  -  5000                  $2,697            $5                   0.69                     
  $  5001 -  10000                  $7,461          $101                   1.20                     
  $ 10001 -  15000                 $12,415          $242                   1.79                     
  $ 15001 -  20000                 $17,459          $455                   2.12                     
  $ 20001 -  25000                 $22,430          $680                   2.47                     
  $ 25001 -  30000                 $27,431          $874                   2.69                     
  $ 30001 -  35000                 $32,436        $1,252                   2.85                     
  $ 35001 -  40000                 $37,367        $1,588                   3.01                     
  $ 40001 -  45000                 $42,501        $1,764                   3.14                     
  $ 45001 -  50000                 $47,497        $2,151                   3.47                     
  $ 50001 -  75000                 $61,149        $3,374                   3.77                     
  $ 75001 - 100000                 $85,559        $6,630                   3.77                     
  $100001 - 250000                $135,235       $16,272                   3.83                     
  OVER $250,000                   $529,008      $122,305                   4.07                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,910        $2,943                   2.61                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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              269    $-7,601,097       $27,301     -0.36         457                      
  $     1  -  5000    1,970     $5,428,773       $17,776      0.33       1,417                      
  $  5001 -  10000    2,258    $16,895,620      $188,020      1.11       2,636                      
  $ 10001 -  15000    2,277    $28,516,668      $559,698      1.96       3,813                      
  $ 15001 -  20000    2,147    $37,487,318      $982,593      2.62       4,145                      
  $ 20001 -  25000    1,715    $38,454,361    $1,238,716      3.22       3,690                      
  $ 25001 -  30000    1,507    $41,419,353    $1,591,946      3.84       3,569                      
  $ 30001 -  35000    1,293    $41,871,928    $1,747,872      4.17       3,182                      
  $ 35001 -  40000    1,111    $41,594,685    $1,851,190      4.45       3,066                      
  $ 40001 -  45000      946    $40,103,318    $2,005,337      5.00       2,744                      
  $ 45001 -  50000      826    $39,239,000    $2,180,312      5.56       2,484                      
  $ 50001 -  75000    2,805   $171,056,903   $11,565,141      6.76       8,674                      
  $ 75001 - 100000    1,262   $107,875,745    $9,373,568      8.69       3,876                      
  $100001 - 250000      932   $130,371,860   $16,958,979     13.01       2,949                      
  OVER $250,000         151    $75,547,700   $16,973,350     22.47         548                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             21,469    $808,262,135   $67,261,799      8.32       47,250                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.3            -0.9           0.0                    1.0                     
  $     1  -  5000     9.2             0.7           0.0                    3.0                     
  $  5001 -  10000    10.5             2.1           0.3                    5.6                     
  $ 10001 -  15000    10.6             3.5           0.8                    8.1                     
  $ 15001 -  20000    10.0             4.6           1.5                    8.8                     
  $ 20001 -  25000     8.0             4.8           1.8                    7.8                     
  $ 25001 -  30000     7.0             5.1           2.4                    7.6                     
  $ 30001 -  35000     6.0             5.2           2.6                    6.7                     
  $ 35001 -  40000     5.2             5.1           2.8                    6.5                     
  $ 40001 -  45000     4.4             5.0           3.0                    5.8                     
  $ 45001 -  50000     3.8             4.9           3.2                    5.3                     
  $ 50001 -  75000    13.1            21.2          17.2                   18.4                     
  $ 75001 - 100000     5.9            13.3          13.9                    8.2                     
  $100001 - 250000     4.3            16.1          25.2                    6.2                     
  OVER $250,000        0.7             9.3          25.2                    1.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-28,257          $101                   1.70                     
  $     1  -  5000                  $2,756            $9                   0.72                     
  $  5001 -  10000                  $7,483           $83                   1.17                     
  $ 10001 -  15000                 $12,524          $246                   1.67                     
  $ 15001 -  20000                 $17,460          $458                   1.93                     
  $ 20001 -  25000                 $22,422          $722                   2.15                     
  $ 25001 -  30000                 $27,485        $1,056                   2.37                     
  $ 30001 -  35000                 $32,384        $1,352                   2.46                     
  $ 35001 -  40000                 $37,439        $1,666                   2.76                     
  $ 40001 -  45000                 $42,393        $2,120                   2.90                     
  $ 45001 -  50000                 $47,505        $2,640                   3.01                     
  $ 50001 -  75000                 $60,983        $4,123                   3.09                     
  $ 75001 - 100000                 $85,480        $7,428                   3.07                     
  $100001 - 250000                $139,884       $18,196                   3.16                     
  OVER $250,000                   $500,316      $112,406                   3.63                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $37,648        $3,133                   2.20                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                    
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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 $ 5,000          96        $25,905          $715      2.76          40                      
  $  5001 -  10000       69       $507,696        $9,222      1.82          60                      
  $ 10001 -  15000       70       $862,864       $26,098      3.02          93                      
  $ 15001 -  20000       65     $1,127,259       $28,475      2.53         114                      
  $ 20001 -  25000       66     $1,492,948       $56,971      3.82         135                      
  $ 25001 -  30000       55     $1,515,501       $56,844      3.75         140                      
  $ 30001 -  35000       62     $2,031,426       $67,663      3.33         184                      
  $ 35001 -  40000       81     $3,014,073      $138,519      4.60         202                      
  $ 40001 -  45000       82     $3,469,299      $163,534      4.71         243                      
  $ 45001 -  50000       86     $4,094,255      $189,366      4.63         272                      
  $ 50001 -  75000      346    $21,435,152    $1,338,410      6.24       1,161                      
  $ 75001 - 100000      243    $20,917,943    $1,760,934      8.42         853                      
  OVER $100,000         129    $16,633,843    $2,218,784     13.34         403                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,450     $77,128,164    $6,055,535      7.85        3,900                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000        6.6             0.0           0.0                    1.0                     
  $  5001 -  10000     4.8             0.7           0.2                    1.5                     
  $ 10001 -  15000     4.8             1.1           0.4                    2.4                     
  $ 15001 -  20000     4.5             1.5           0.5                    2.9                     
  $ 20001 -  25000     4.6             1.9           0.9                    3.5                     
  $ 25001 -  30000     3.8             2.0           0.9                    3.6                     
  $ 30001 -  35000     4.3             2.6           1.1                    4.7                     
  $ 35001 -  40000     5.6             3.9           2.3                    5.2                     
  $ 40001 -  45000     5.7             4.5           2.7                    6.2                     
  $ 45001 -  50000     5.9             5.3           3.1                    7.0                     
  $ 50001 -  75000    23.9            27.8          22.1                   29.8                     
  $ 75001 - 100000    16.8            27.1          29.1                   21.9                     
  OVER $100,000        8.9            21.6          36.6                   10.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                       $270            $7                   0.42                     
  $  5001 -  10000                  $7,358          $134                   0.87                     
  $ 10001 -  15000                 $12,327          $373                   1.33                     
  $ 15001 -  20000                 $17,342          $438                   1.75                     
  $ 20001 -  25000                 $22,620          $863                   2.05                     
  $ 25001 -  30000                 $27,555        $1,034                   2.55                     
  $ 30001 -  35000                 $32,765        $1,091                   2.97                     
  $ 35001 -  40000                 $37,211        $1,710                   2.49                     
  $ 40001 -  45000                 $42,309        $1,994                   2.96                     
  $ 45001 -  50000                 $47,608        $2,202                   3.16                     
  $ 50001 -  75000                 $61,951        $3,868                   3.36                     
  $ 75001 - 100000                 $86,082        $7,247                   3.51                     
  OVER $100,000                   $128,945       $17,200                   3.12                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $53,192        $4,176                   2.69                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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         119       $302,776          $178      0.06         107                      
  $  5001 -  10000      126       $937,487        $8,175      0.87         170                      
  $ 10001 -  15000      154     $1,956,516       $41,887      2.14         251                      
  $ 15001 -  20000      191     $3,324,945      $108,174      3.25         352                      
  $ 20001 -  25000      148     $3,359,265      $124,000      3.69         329                      
  $ 25001 -  30000      146     $3,994,024      $175,452      4.39         325                      
  $ 30001 -  35000      153     $4,945,788      $262,395      5.31         343                      
  $ 35001 -  40000      128     $4,830,891      $274,319      5.68         330                      
  $ 40001 -  45000       88     $3,744,541      $241,202      6.44         214                      
  $ 45001 -  50000       97     $4,605,755      $306,594      6.66         264                      
  $ 50001 -  75000      271    $16,387,650    $1,343,373      8.20         765                      
  $ 75001 - 100000       77     $6,481,133      $618,694      9.55         249                      
  $100001 - 250000       17     $2,050,626      $314,430     15.33          45                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,715     $56,921,397    $3,818,873      6.71        3,744                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000        6.9             0.5           0.0                    2.9                     
  $  5001 -  10000     7.3             1.6           0.2                    4.5                     
  $ 10001 -  15000     9.0             3.4           1.1                    6.7                     
  $ 15001 -  20000    11.1             5.8           2.8                    9.4                     
  $ 20001 -  25000     8.6             5.9           3.2                    8.8                     
  $ 25001 -  30000     8.5             7.0           4.6                    8.7                     
  $ 30001 -  35000     8.9             8.7           6.9                    9.2                     
  $ 35001 -  40000     7.5             8.5           7.2                    8.8                     
  $ 40001 -  45000     5.1             6.6           6.3                    5.7                     
  $ 45001 -  50000     5.7             8.1           8.0                    7.1                     
  $ 50001 -  75000    15.8            28.8          35.2                   20.4                     
  $ 75001 - 100000     4.5            11.4          16.2                    6.7                     
  $100001 - 250000     1.0             3.6           8.2                    1.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,544            $1                   0.90                     
  $  5001 -  10000                  $7,440           $65                   1.35                     
  $ 10001 -  15000                 $12,705          $272                   1.63                     
  $ 15001 -  20000                 $17,408          $566                   1.84                     
  $ 20001 -  25000                 $22,698          $838                   2.22                     
  $ 25001 -  30000                 $27,356        $1,202                   2.23                     
  $ 30001 -  35000                 $32,325        $1,715                   2.24                     
  $ 35001 -  40000                 $37,741        $2,143                   2.58                     
  $ 40001 -  45000                 $42,552        $2,741                   2.43                     
  $ 45001 -  50000                 $47,482        $3,161                   2.72                     
  $ 50001 -  75000                 $60,471        $4,957                   2.82                     
  $ 75001 - 100000                 $84,171        $8,035                   3.23                     
  $100001 - 250000                $120,625       $18,496                   2.65                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $33,190        $2,227                   2.18                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                          
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               38      $-934,356          $562     -0.06          87                      
  $     1  -  5000      479     $1,228,792        $3,390      0.28         174                      
  $  5001 -  10000      336     $2,501,194       $53,444      2.14         228                      
  $ 10001 -  15000      302     $3,767,594      $110,008      2.92         428                      
  $ 15001 -  20000      273     $4,792,329      $170,889      3.57         474                      
  $ 20001 -  25000      255     $5,734,810      $218,024      3.80         542                      
  $ 25001 -  30000      294     $8,084,699      $336,022      4.16         665                      
  $ 30001 -  35000      274     $8,866,837      $355,350      4.01         721                      
  $ 35001 -  40000      311    $11,708,169      $438,305      3.74         944                      
  $ 40001 -  45000      328    $13,935,558      $530,160      3.80       1,077                      
  $ 45001 -  50000      328    $15,577,293      $733,395      4.71       1,052                      
  $ 50001 -  75000    1,369    $84,057,867    $4,785,149      5.69       4,928                      
  $ 75001 - 100000      717    $61,573,410    $4,946,158      8.03       2,641                      
  $100001 - 250000      387    $49,836,544    $6,016,770     12.07       1,389                      
  OVER $250,000          24    $10,325,515    $2,144,469     20.77          76                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              5,715    $281,056,255   $20,842,095      7.42       15,426                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.7            -0.3           0.0                    0.6                     
  $     1  -  5000     8.4             0.4           0.0                    1.1                     
  $  5001 -  10000     5.9             0.9           0.3                    1.5                     
  $ 10001 -  15000     5.3             1.3           0.5                    2.8                     
  $ 15001 -  20000     4.8             1.7           0.8                    3.1                     
  $ 20001 -  25000     4.5             2.0           1.0                    3.5                     
  $ 25001 -  30000     5.1             2.9           1.6                    4.3                     
  $ 30001 -  35000     4.8             3.2           1.7                    4.7                     
  $ 35001 -  40000     5.4             4.2           2.1                    6.1                     
  $ 40001 -  45000     5.7             5.0           2.5                    7.0                     
  $ 45001 -  50000     5.7             5.5           3.5                    6.8                     
  $ 50001 -  75000    24.0            29.9          23.0                   31.9                     
  $ 75001 - 100000    12.5            21.9          23.7                   17.1                     
  $100001 - 250000     6.8            17.7          28.9                    9.0                     
  OVER $250,000        0.4             3.7          10.3                    0.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-24,588           $15                   2.29                     
  $     1  -  5000                  $2,565            $7                   0.36                     
  $  5001 -  10000                  $7,444          $159                   0.68                     
  $ 10001 -  15000                 $12,475          $364                   1.42                     
  $ 15001 -  20000                 $17,554          $626                   1.74                     
  $ 20001 -  25000                 $22,489          $855                   2.13                     
  $ 25001 -  30000                 $27,499        $1,143                   2.26                     
  $ 30001 -  35000                 $32,361        $1,297                   2.63                     
  $ 35001 -  40000                 $37,647        $1,409                   3.04                     
  $ 40001 -  45000                 $42,486        $1,616                   3.28                     
  $ 45001 -  50000                 $47,492        $2,236                   3.21                     
  $ 50001 -  75000                 $61,401        $3,495                   3.60                     
  $ 75001 - 100000                 $85,876        $6,898                   3.68                     
  $100001 - 250000                $128,777       $15,547                   3.59                     
  OVER $250,000                   $430,230       $89,353                   3.17                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $49,179        $3,647                   2.70                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                      
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               53      $-540,035        $9,807     -1.82          78                      
  $     1  -  5000    1,120     $2,953,302        $2,131      0.07         592                      
  $  5001 -  10000    1,072     $8,007,794      $113,858      1.42       1,102                      
  $ 10001 -  15000    1,021    $12,792,261      $296,400      2.32       1,667                      
  $ 15001 -  20000    1,055    $18,511,584      $596,684      3.22       1,973                      
  $ 20001 -  25000      989    $22,277,750      $870,283      3.91       2,039                      
  $ 25001 -  30000      906    $24,866,107    $1,114,395      4.48       2,021                      
  $ 30001 -  35000      778    $25,282,602    $1,137,756      4.50       1,962                      
  $ 35001 -  40000      660    $24,695,095    $1,285,727      5.21       1,730                      
  $ 40001 -  45000      621    $26,403,426    $1,534,774      5.81       1,673                      
  $ 45001 -  50000      481    $22,782,160    $1,333,115      5.85       1,451                      
  $ 50001 -  75000    1,635    $99,274,013    $6,996,296      7.05       5,098                      
  $ 75001 - 100000      664    $56,577,807    $5,071,831      8.96       2,170                      
  OVER $100,000         345    $45,203,192    $6,133,549     13.57       1,135                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             11,400    $389,087,058   $26,496,606      6.81       24,691                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.5            -0.1           0.0                    0.3                     
  $     1  -  5000     9.8             0.8           0.0                    2.4                     
  $  5001 -  10000     9.4             2.1           0.4                    4.5                     
  $ 10001 -  15000     9.0             3.3           1.1                    6.8                     
  $ 15001 -  20000     9.3             4.8           2.3                    8.0                     
  $ 20001 -  25000     8.7             5.7           3.3                    8.3                     
  $ 25001 -  30000     7.9             6.4           4.2                    8.2                     
  $ 30001 -  35000     6.8             6.5           4.3                    7.9                     
  $ 35001 -  40000     5.8             6.3           4.9                    7.0                     
  $ 40001 -  45000     5.4             6.8           5.8                    6.8                     
  $ 45001 -  50000     4.2             5.9           5.0                    5.9                     
  $ 50001 -  75000    14.3            25.5          26.4                   20.6                     
  $ 75001 - 100000     5.8            14.5          19.1                    8.8                     
  OVER $100,000        3.0            11.6          23.1                    4.6                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-10,189          $185                   1.47                     
  $     1  -  5000                  $2,637            $2                   0.53                     
  $  5001 -  10000                  $7,470          $106                   1.03                     
  $ 10001 -  15000                 $12,529          $290                   1.63                     
  $ 15001 -  20000                 $17,547          $566                   1.87                     
  $ 20001 -  25000                 $22,526          $880                   2.06                     
  $ 25001 -  30000                 $27,446        $1,230                   2.23                     
  $ 30001 -  35000                 $32,497        $1,462                   2.52                     
  $ 35001 -  40000                 $37,417        $1,948                   2.62                     
  $ 40001 -  45000                 $42,518        $2,471                   2.69                     
  $ 45001 -  50000                 $47,364        $2,772                   3.02                     
  $ 50001 -  75000                 $60,718        $4,279                   3.12                     
  $ 75001 - 100000                 $85,208        $7,638                   3.27                     
  OVER $100,000                   $131,024       $17,778                   3.29                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $34,130        $2,324                   2.17                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               44    $-1,463,831        $1,512     -0.10          71                      
  $     1  -  5000      733     $1,947,263        $2,318      0.12         583                      
  $  5001 -  10000      771     $5,802,833       $55,883      0.96       1,012                      
  $ 10001 -  15000      811    $10,139,372      $203,118      2.00       1,383                      
  $ 15001 -  20000      798    $13,946,635      $414,350      2.97       1,499                      
  $ 20001 -  25000      785    $17,716,783      $646,580      3.65       1,681                      
  $ 25001 -  30000      783    $21,480,704      $883,529      4.11       1,775                      
  $ 30001 -  35000      749    $24,379,405    $1,052,572      4.32       1,983                      
  $ 35001 -  40000      731    $27,447,961    $1,310,324      4.77       2,058                      
  $ 40001 -  45000      692    $29,391,682    $1,527,740      5.20       2,046                      
  $ 45001 -  50000      625    $29,655,220    $1,658,714      5.59       1,902                      
  $ 50001 -  75000    2,052   $124,647,075    $8,414,211      6.75       6,796                      
  $ 75001 - 100000      791    $67,260,614    $6,008,354      8.93       2,649                      
  $100001 - 250000      343    $42,945,340    $5,719,403     13.32       1,083                      
  OVER $250,000          10     $3,612,460      $787,950     21.81          31                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             10,718    $418,909,516   $28,686,558      6.85       26,552                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.3           0.0                    0.3                     
  $     1  -  5000     6.8             0.5           0.0                    2.2                     
  $  5001 -  10000     7.2             1.4           0.2                    3.8                     
  $ 10001 -  15000     7.6             2.4           0.7                    5.2                     
  $ 15001 -  20000     7.4             3.3           1.4                    5.6                     
  $ 20001 -  25000     7.3             4.2           2.3                    6.3                     
  $ 25001 -  30000     7.3             5.1           3.1                    6.7                     
  $ 30001 -  35000     7.0             5.8           3.7                    7.5                     
  $ 35001 -  40000     6.8             6.6           4.6                    7.8                     
  $ 40001 -  45000     6.5             7.0           5.3                    7.7                     
  $ 45001 -  50000     5.8             7.1           5.8                    7.2                     
  $ 50001 -  75000    19.1            29.8          29.3                   25.6                     
  $ 75001 - 100000     7.4            16.1          20.9                   10.0                     
  $100001 - 250000     3.2            10.3          19.9                    4.1                     
  OVER $250,000        0.1             0.9           2.7                    0.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-33,269           $34                   1.61                     
  $     1  -  5000                  $2,657            $3                   0.80                     
  $  5001 -  10000                  $7,526           $72                   1.31                     
  $ 10001 -  15000                 $12,502          $250                   1.71                     
  $ 15001 -  20000                 $17,477          $519                   1.88                     
  $ 20001 -  25000                 $22,569          $824                   2.14                     
  $ 25001 -  30000                 $27,434        $1,128                   2.27                     
  $ 30001 -  35000                 $32,549        $1,405                   2.65                     
  $ 35001 -  40000                 $37,549        $1,793                   2.82                     
  $ 40001 -  45000                 $42,474        $2,208                   2.96                     
  $ 45001 -  50000                 $47,448        $2,654                   3.04                     
  $ 50001 -  75000                 $60,744        $4,100                   3.31                     
  $ 75001 - 100000                 $85,032        $7,596                   3.35                     
  $100001 - 250000                $125,205       $16,675                   3.16                     
  OVER $250,000                   $361,246       $78,795                   3.10                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $39,085        $2,676                   2.48                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                         
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               29    $-1,922,775        $2,884     -0.15          61                      
  $     1  -  5000      360       $989,961        $2,335      0.24         169                      
  $  5001 -  10000      340     $2,530,694       $36,594      1.45         338                      
  $ 10001 -  15000      270     $3,343,696       $77,391      2.31         426                      
  $ 15001 -  20000      231     $4,029,755      $111,068      2.76         448                      
  $ 20001 -  25000      224     $5,041,804      $165,105      3.27         521                      
  $ 25001 -  30000      238     $6,556,260      $240,426      3.67         607                      
  $ 30001 -  35000      228     $7,378,542      $289,861      3.93         623                      
  $ 35001 -  40000      203     $7,605,987      $330,647      4.35         608                      
  $ 40001 -  45000      158     $6,702,417      $299,553      4.47         523                      
  $ 45001 -  50000      167     $7,892,280      $388,466      4.92         596                      
  $ 50001 -  75000      579    $35,409,634    $2,259,239      6.38       2,112                      
  $ 75001 - 100000      247    $21,177,565    $1,912,211      9.03         856                      
  $100001 - 250000       97    $12,254,336    $1,548,392     12.64         319                      
  OVER $250,000          12     $4,210,108      $844,065     20.05          41                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,383    $123,200,264    $8,508,237      6.91        8,248                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.9            -1.6           0.0                    0.7                     
  $     1  -  5000    10.6             0.8           0.0                    2.0                     
  $  5001 -  10000    10.1             2.1           0.4                    4.1                     
  $ 10001 -  15000     8.0             2.7           0.9                    5.2                     
  $ 15001 -  20000     6.8             3.3           1.3                    5.4                     
  $ 20001 -  25000     6.6             4.1           1.9                    6.3                     
  $ 25001 -  30000     7.0             5.3           2.8                    7.4                     
  $ 30001 -  35000     6.7             6.0           3.4                    7.6                     
  $ 35001 -  40000     6.0             6.2           3.9                    7.4                     
  $ 40001 -  45000     4.7             5.4           3.5                    6.3                     
  $ 45001 -  50000     4.9             6.4           4.6                    7.2                     
  $ 50001 -  75000    17.1            28.7          26.6                   25.6                     
  $ 75001 - 100000     7.3            17.2          22.5                   10.4                     
  $100001 - 250000     2.9             9.9          18.2                    3.9                     
  OVER $250,000        0.4             3.4           9.9                    0.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-66,303           $99                   2.10                     
  $     1  -  5000                  $2,750            $6                   0.47                     
  $  5001 -  10000                  $7,443          $108                   0.99                     
  $ 10001 -  15000                 $12,384          $287                   1.58                     
  $ 15001 -  20000                 $17,445          $481                   1.94                     
  $ 20001 -  25000                 $22,508          $737                   2.33                     
  $ 25001 -  30000                 $27,547        $1,010                   2.55                     
  $ 30001 -  35000                 $32,362        $1,271                   2.73                     
  $ 35001 -  40000                 $37,468        $1,629                   3.00                     
  $ 40001 -  45000                 $42,420        $1,896                   3.31                     
  $ 45001 -  50000                 $47,259        $2,326                   3.57                     
  $ 50001 -  75000                 $61,157        $3,902                   3.65                     
  $ 75001 - 100000                 $85,739        $7,742                   3.47                     
  $100001 - 250000                $126,333       $15,963                   3.29                     
  OVER $250,000                   $350,842       $70,339                   3.42                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $36,417        $2,515                   2.44                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                            
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               68    $-1,682,056        $4,988     -0.30         133                      
  $     1  -  5000      856     $2,313,780        $7,910      0.34         617                      
  $  5001 -  10000      819     $6,051,478       $69,180      1.14       1,042                      
  $ 10001 -  15000      651     $8,088,110      $170,472      2.11       1,029                      
  $ 15001 -  20000      559     $9,753,032      $293,585      3.01       1,068                      
  $ 20001 -  25000      440     $9,859,549      $337,512      3.42         978                      
  $ 25001 -  30000      420    $11,514,290      $452,161      3.93       1,013                      
  $ 30001 -  35000      361    $11,694,911      $510,666      4.37         936                      
  $ 35001 -  40000      365    $13,688,379      $608,174      4.44       1,128                      
  $ 40001 -  45000      384    $16,341,937      $814,775      4.99       1,234                      
  $ 45001 -  50000      353    $16,774,976      $941,700      5.61       1,176                      
  $ 50001 -  75000    1,254    $76,253,237    $5,683,170      7.45       4,166                      
  $ 75001 - 100000      508    $43,300,430    $4,140,615      9.56       1,720                      
  $100001 - 250000      276    $36,187,853    $5,108,006     14.12         919                      
  OVER $250,000          25    $13,642,922    $3,421,092     25.08          59                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              7,339    $273,782,828   $22,564,006      8.24       17,218                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.9            -0.6           0.0                    0.8                     
  $     1  -  5000    11.7             0.8           0.0                    3.6                     
  $  5001 -  10000    11.2             2.2           0.3                    6.1                     
  $ 10001 -  15000     8.9             3.0           0.8                    6.0                     
  $ 15001 -  20000     7.6             3.6           1.3                    6.2                     
  $ 20001 -  25000     6.0             3.6           1.5                    5.7                     
  $ 25001 -  30000     5.7             4.2           2.0                    5.9                     
  $ 30001 -  35000     4.9             4.3           2.3                    5.4                     
  $ 35001 -  40000     5.0             5.0           2.7                    6.6                     
  $ 40001 -  45000     5.2             6.0           3.6                    7.2                     
  $ 45001 -  50000     4.8             6.1           4.2                    6.8                     
  $ 50001 -  75000    17.1            27.9          25.2                   24.2                     
  $ 75001 - 100000     6.9            15.8          18.4                   10.0                     
  $100001 - 250000     3.8            13.2          22.6                    5.3                     
  OVER $250,000        0.3             5.0          15.2                    0.3                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-24,736           $73                   1.96                     
  $     1  -  5000                  $2,703            $9                   0.72                     
  $  5001 -  10000                  $7,389           $84                   1.27                     
  $ 10001 -  15000                 $12,424          $262                   1.58                     
  $ 15001 -  20000                 $17,447          $525                   1.91                     
  $ 20001 -  25000                 $22,408          $767                   2.22                     
  $ 25001 -  30000                 $27,415        $1,077                   2.41                     
  $ 30001 -  35000                 $32,396        $1,415                   2.59                     
  $ 35001 -  40000                 $37,502        $1,666                   3.09                     
  $ 40001 -  45000                 $42,557        $2,122                   3.21                     
  $ 45001 -  50000                 $47,521        $2,668                   3.33                     
  $ 50001 -  75000                 $60,808        $4,532                   3.32                     
  $ 75001 - 100000                 $85,237        $8,151                   3.39                     
  $100001 - 250000                $131,115       $18,507                   3.33                     
  OVER $250,000                   $545,717      $136,844                   2.36                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $37,305        $3,075                   2.35                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               51    $-2,734,398          $357     -0.01         100                      
  $     1  -  5000      337       $979,545          $835      0.09         259                      
  $  5001 -  10000      405     $3,016,052       $32,935      1.09         492                      
  $ 10001 -  15000      368     $4,624,921       $80,549      1.74         680                      
  $ 15001 -  20000      390     $6,762,791      $158,887      2.35         797                      
  $ 20001 -  25000      355     $7,980,101      $240,750      3.02         829                      
  $ 25001 -  30000      269     $7,390,232      $273,417      3.70         638                      
  $ 30001 -  35000      248     $8,021,015      $302,493      3.77         681                      
  $ 35001 -  40000      241     $9,034,978      $391,274      4.33         684                      
  $ 40001 -  45000      169     $7,141,045      $335,314      4.70         536                      
  $ 45001 -  50000      142     $6,748,196      $361,169      5.35         421                      
  $ 50001 -  75000      517    $31,566,597    $2,038,317      6.46       1,682                      
  $ 75001 - 100000      212    $18,192,630    $1,478,200      8.13         701                      
  $100001 - 250000      149    $20,934,742    $2,877,626     13.75         477                      
  OVER $250,000          24    $12,385,202    $2,405,564     19.42          91                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,877    $142,043,649   $10,977,687      7.73        9,068                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.3            -1.9           0.0                    1.1                     
  $     1  -  5000     8.7             0.7           0.0                    2.9                     
  $  5001 -  10000    10.4             2.1           0.3                    5.4                     
  $ 10001 -  15000     9.5             3.3           0.7                    7.5                     
  $ 15001 -  20000    10.1             4.8           1.4                    8.8                     
  $ 20001 -  25000     9.2             5.6           2.2                    9.1                     
  $ 25001 -  30000     6.9             5.2           2.5                    7.0                     
  $ 30001 -  35000     6.4             5.6           2.8                    7.5                     
  $ 35001 -  40000     6.2             6.4           3.6                    7.5                     
  $ 40001 -  45000     4.4             5.0           3.1                    5.9                     
  $ 45001 -  50000     3.7             4.8           3.3                    4.6                     
  $ 50001 -  75000    13.3            22.2          18.6                   18.5                     
  $ 75001 - 100000     5.5            12.8          13.5                    7.7                     
  $100001 - 250000     3.8            14.7          26.2                    5.3                     
  OVER $250,000        0.6             8.7          21.9                    1.0                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-53,616            $7                   1.96                     
  $     1  -  5000                  $2,907            $2                   0.77                     
  $  5001 -  10000                  $7,447           $81                   1.21                     
  $ 10001 -  15000                 $12,568          $219                   1.85                     
  $ 15001 -  20000                 $17,340          $407                   2.04                     
  $ 20001 -  25000                 $22,479          $678                   2.34                     
  $ 25001 -  30000                 $27,473        $1,016                   2.37                     
  $ 30001 -  35000                 $32,343        $1,220                   2.75                     
  $ 35001 -  40000                 $37,490        $1,624                   2.84                     
  $ 40001 -  45000                 $42,255        $1,984                   3.17                     
  $ 45001 -  50000                 $47,523        $2,543                   2.96                     
  $ 50001 -  75000                 $61,057        $3,943                   3.25                     
  $ 75001 - 100000                 $85,814        $6,973                   3.31                     
  $100001 - 250000                $140,502       $19,313                   3.20                     
  OVER $250,000                   $516,050      $100,232                   3.79                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $36,638        $2,831                   2.34                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               13      $-207,863            $0      0.00          19                      
  $     1  -  5000      130       $331,322          $481      0.15          52                      
  $  5001 -  10000      137       $987,379       $13,174      1.33         121                      
  $ 10001 -  15000      120     $1,478,509       $37,197      2.52         179                      
  $ 15001 -  20000      107     $1,840,534       $46,021      2.50         217                      
  $ 20001 -  25000      107     $2,406,437       $73,054      3.04         267                      
  $ 25001 -  30000      100     $2,750,506       $84,707      3.08         269                      
  $ 30001 -  35000       82     $2,676,499      $123,178      4.60         212                      
  $ 35001 -  40000       90     $3,406,165      $127,800      3.75         295                      
  $ 40001 -  45000       76     $3,242,535      $124,664      3.84         268                      
  $ 45001 -  50000       85     $4,042,858      $175,628      4.34         300                      
  $ 50001 -  75000      268    $16,187,618    $1,035,368      6.40         932                      
  $ 75001 - 100000      104     $8,909,429      $762,372      8.56         377                      
  OVER $100,000          74    $11,805,369    $1,590,095     13.47         284                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,493     $59,857,297    $4,193,739      7.01        3,792                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.9            -0.3           0.0                    0.5                     
  $     1  -  5000     8.7             0.6           0.0                    1.4                     
  $  5001 -  10000     9.2             1.6           0.3                    3.2                     
  $ 10001 -  15000     8.0             2.5           0.9                    4.7                     
  $ 15001 -  20000     7.2             3.1           1.1                    5.7                     
  $ 20001 -  25000     7.2             4.0           1.7                    7.0                     
  $ 25001 -  30000     6.7             4.6           2.0                    7.1                     
  $ 30001 -  35000     5.5             4.5           2.9                    5.6                     
  $ 35001 -  40000     6.0             5.7           3.0                    7.8                     
  $ 40001 -  45000     5.1             5.4           3.0                    7.1                     
  $ 45001 -  50000     5.7             6.8           4.2                    7.9                     
  $ 50001 -  75000    18.0            27.0          24.7                   24.6                     
  $ 75001 - 100000     7.0            14.9          18.2                    9.9                     
  OVER $100,000        5.0            19.7          37.9                    7.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-15,989            $0                   1.46                     
  $     1  -  5000                  $2,549            $4                   0.40                     
  $  5001 -  10000                  $7,207           $96                   0.88                     
  $ 10001 -  15000                 $12,321          $310                   1.49                     
  $ 15001 -  20000                 $17,201          $430                   2.03                     
  $ 20001 -  25000                 $22,490          $683                   2.50                     
  $ 25001 -  30000                 $27,505          $847                   2.69                     
  $ 30001 -  35000                 $32,640        $1,502                   2.59                     
  $ 35001 -  40000                 $37,846        $1,420                   3.28                     
  $ 40001 -  45000                 $42,665        $1,640                   3.53                     
  $ 45001 -  50000                 $47,563        $2,066                   3.53                     
  $ 50001 -  75000                 $60,402        $3,863                   3.48                     
  $ 75001 - 100000                 $85,668        $7,331                   3.63                     
  OVER $100,000                   $159,532       $21,488                   3.84                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $40,092        $2,809                   2.54                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                    
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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 $1               10      $-163,177          $169     -0.10          13                      
  $     1  -  5000      184       $479,909          $724      0.15          59                      
  $  5001 -  10000      177     $1,309,636       $23,032      1.76         140                      
  $ 10001 -  15000      121     $1,461,152       $49,308      3.37         149                      
  $ 15001 -  20000      111     $1,942,635       $83,559      4.30         142                      
  $ 20001 -  25000       90     $2,034,609      $111,685      5.49         136                      
  $ 25001 -  30000       80     $2,204,788       $98,325      4.46         192                      
  $ 30001 -  35000       72     $2,351,118      $117,077      4.98         162                      
  $ 35001 -  40000       72     $2,728,041      $150,451      5.51         173                      
  $ 40001 -  45000       80     $3,407,607      $138,322      4.06         254                      
  $ 45001 -  50000       78     $3,708,499      $206,665      5.57         241                      
  $ 50001 -  75000      299    $18,489,489    $1,152,195      6.23       1,032                      
  $ 75001 - 100000      187    $15,928,885    $1,375,317      8.63         632                      
  OVER $100,000         120    $15,612,852    $2,038,679     13.06         434                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,681     $71,496,043    $5,545,508      7.76        3,759                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.6            -0.2           0.0                    0.3                     
  $     1  -  5000    10.9             0.7           0.0                    1.6                     
  $  5001 -  10000    10.5             1.8           0.4                    3.7                     
  $ 10001 -  15000     7.2             2.0           0.9                    4.0                     
  $ 15001 -  20000     6.6             2.7           1.5                    3.8                     
  $ 20001 -  25000     5.4             2.8           2.0                    3.6                     
  $ 25001 -  30000     4.8             3.1           1.8                    5.1                     
  $ 30001 -  35000     4.3             3.3           2.1                    4.3                     
  $ 35001 -  40000     4.3             3.8           2.7                    4.6                     
  $ 40001 -  45000     4.8             4.8           2.5                    6.8                     
  $ 45001 -  50000     4.6             5.2           3.7                    6.4                     
  $ 50001 -  75000    17.8            25.9          20.8                   27.5                     
  $ 75001 - 100000    11.1            22.3          24.8                   16.8                     
  OVER $100,000        7.1            21.8          36.8                   11.5                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-16,318           $17                   1.30                     
  $     1  -  5000                  $2,608            $4                   0.32                     
  $  5001 -  10000                  $7,399          $130                   0.79                     
  $ 10001 -  15000                 $12,076          $408                   1.23                     
  $ 15001 -  20000                 $17,501          $753                   1.28                     
  $ 20001 -  25000                 $22,607        $1,241                   1.51                     
  $ 25001 -  30000                 $27,560        $1,229                   2.40                     
  $ 30001 -  35000                 $32,654        $1,626                   2.25                     
  $ 35001 -  40000                 $37,889        $2,090                   2.40                     
  $ 40001 -  45000                 $42,595        $1,729                   3.18                     
  $ 45001 -  50000                 $47,545        $2,650                   3.09                     
  $ 50001 -  75000                 $61,838        $3,853                   3.45                     
  $ 75001 - 100000                 $85,181        $7,355                   3.38                     
  OVER $100,000                   $130,107       $16,989                   3.62                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $42,532        $3,299                   2.24                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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 $1               15    $-1,046,256           $36     -0.00          34                      
  $     1  -  5000      133       $346,083          $131      0.04          54                      
  $  5001 -  10000      115       $820,916       $11,174      1.36          89                      
  $ 10001 -  15000       90     $1,111,414       $33,150      2.98         122                      
  $ 15001 -  20000       91     $1,586,201       $70,848      4.47         132                      
  $ 20001 -  25000       57     $1,260,391       $44,646      3.54         102                      
  $ 25001 -  30000       55     $1,496,381       $84,655      5.66         108                      
  $ 30001 -  35000       72     $2,329,924       $93,674      4.02         183                      
  $ 35001 -  40000       59     $2,211,548      $106,981      4.84         160                      
  $ 40001 -  45000       49     $2,094,029       $96,610      4.61         146                      
  $ 45001 -  50000       62     $2,960,657      $152,623      5.16         189                      
  $ 50001 -  75000      289    $18,298,470    $1,158,363      6.33       1,017                      
  $ 75001 - 100000      206    $17,859,256    $1,449,280      8.12         788                      
  OVER $100,000         112    $14,612,253    $1,857,497     12.71         412                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,405     $65,941,267    $5,159,668      7.82        3,536                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             1.1            -1.6           0.0                    1.0                     
  $     1  -  5000     9.5             0.5           0.0                    1.5                     
  $  5001 -  10000     8.2             1.2           0.2                    2.5                     
  $ 10001 -  15000     6.4             1.7           0.6                    3.5                     
  $ 15001 -  20000     6.5             2.4           1.4                    3.7                     
  $ 20001 -  25000     4.1             1.9           0.9                    2.9                     
  $ 25001 -  30000     3.9             2.3           1.6                    3.1                     
  $ 30001 -  35000     5.1             3.5           1.8                    5.2                     
  $ 35001 -  40000     4.2             3.4           2.1                    4.5                     
  $ 40001 -  45000     3.5             3.2           1.9                    4.1                     
  $ 45001 -  50000     4.4             4.5           3.0                    5.3                     
  $ 50001 -  75000    20.6            27.7          22.5                   28.8                     
  $ 75001 - 100000    14.7            27.1          28.1                   22.3                     
  OVER $100,000        8.0            22.2          36.0                   11.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-69,750            $2                   2.27                     
  $     1  -  5000                  $2,602            $1                   0.41                     
  $  5001 -  10000                  $7,138           $97                   0.77                     
  $ 10001 -  15000                 $12,349          $368                   1.36                     
  $ 15001 -  20000                 $17,431          $779                   1.45                     
  $ 20001 -  25000                 $22,112          $783                   1.79                     
  $ 25001 -  30000                 $27,207        $1,539                   1.96                     
  $ 30001 -  35000                 $32,360        $1,301                   2.54                     
  $ 35001 -  40000                 $37,484        $1,813                   2.71                     
  $ 40001 -  45000                 $42,735        $1,972                   2.98                     
  $ 45001 -  50000                 $47,753        $2,462                   3.05                     
  $ 50001 -  75000                 $63,317        $4,008                   3.52                     
  $ 75001 - 100000                 $86,695        $7,035                   3.83                     
  OVER $100,000                   $130,467       $16,585                   3.68                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $46,933        $3,672                   2.52                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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              165    $-5,100,634        $4,133     -0.08         367                      
  $     1  -  5000    2,957     $8,039,196       $16,271      0.20       1,664                      
  $  5001 -  10000    2,849    $21,093,407      $308,399      1.46       2,897                      
  $ 10001 -  15000    2,709    $33,801,041      $780,662      2.31       4,474                      
  $ 15001 -  20000    2,777    $48,646,245    $1,564,610      3.22       5,314                      
  $ 20001 -  25000    2,663    $59,802,150    $2,205,614      3.69       5,805                      
  $ 25001 -  30000    2,261    $62,034,260    $2,655,165      4.28       5,302                      
  $ 30001 -  35000    2,111    $68,552,848    $2,928,248      4.27       5,499                      
  $ 35001 -  40000    1,984    $74,311,767    $3,323,032      4.47       5,571                      
  $ 40001 -  45000    1,885    $80,114,049    $3,843,898      4.80       5,627                      
  $ 45001 -  50000    1,850    $87,850,824    $4,627,486      5.27       5,739                      
  $ 50001 -  75000    6,992   $429,628,421   $27,140,893      6.32      23,856                      
  $ 75001 - 100000    3,247   $277,104,404   $23,264,623      8.40      11,460                      
  $100001 - 250000    1,488   $185,301,344   $23,177,853     12.51       5,263                      
  OVER $250,000          49    $18,062,593    $3,897,883     21.58         167                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             35,987  $1,449,241,915   $99,738,770      6.88       89,005                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.5            -0.4           0.0                    0.4                     
  $     1  -  5000     8.2             0.6           0.0                    1.9                     
  $  5001 -  10000     7.9             1.5           0.3                    3.3                     
  $ 10001 -  15000     7.5             2.3           0.8                    5.0                     
  $ 15001 -  20000     7.7             3.4           1.6                    6.0                     
  $ 20001 -  25000     7.4             4.1           2.2                    6.5                     
  $ 25001 -  30000     6.3             4.3           2.7                    6.0                     
  $ 30001 -  35000     5.9             4.7           2.9                    6.2                     
  $ 35001 -  40000     5.5             5.1           3.3                    6.3                     
  $ 40001 -  45000     5.2             5.5           3.9                    6.3                     
  $ 45001 -  50000     5.1             6.1           4.6                    6.4                     
  $ 50001 -  75000    19.4            29.6          27.2                   26.8                     
  $ 75001 - 100000     9.0            19.1          23.3                   12.9                     
  $100001 - 250000     4.1            12.8          23.2                    5.9                     
  OVER $250,000        0.1             1.2           3.9                    0.2                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-30,913           $25                   2.22                     
  $     1  -  5000                  $2,719            $6                   0.56                     
  $  5001 -  10000                  $7,404          $108                   1.02                     
  $ 10001 -  15000                 $12,477          $288                   1.65                     
  $ 15001 -  20000                 $17,518          $563                   1.91                     
  $ 20001 -  25000                 $22,457          $828                   2.18                     
  $ 25001 -  30000                 $27,437        $1,174                   2.34                     
  $ 30001 -  35000                 $32,474        $1,387                   2.60                     
  $ 35001 -  40000                 $37,456        $1,675                   2.81                     
  $ 40001 -  45000                 $42,501        $2,039                   2.99                     
  $ 45001 -  50000                 $47,487        $2,501                   3.10                     
  $ 50001 -  75000                 $61,446        $3,882                   3.41                     
  $ 75001 - 100000                 $85,342        $7,165                   3.53                     
  $100001 - 250000                $124,530       $15,577                   3.54                     
  OVER $250,000                   $368,624       $79,549                   3.41                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $40,271        $2,772                   2.47                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                        
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               15      $-464,848        $2,200     -0.47          37                      
  $     1  -  5000      256       $631,719        $4,100      0.65          89                      
  $  5001 -  10000      200     $1,481,897       $27,424      1.85         146                      
  $ 10001 -  15000      127     $1,590,282       $41,955      2.64         168                      
  $ 15001 -  20000      121     $2,106,106       $86,512      4.11         184                      
  $ 20001 -  25000      114     $2,564,468      $112,996      4.41         204                      
  $ 25001 -  30000      101     $2,795,888      $128,629      4.60         206                      
  $ 30001 -  35000       97     $3,136,459      $144,289      4.60         250                      
  $ 35001 -  40000      126     $4,748,273      $209,369      4.41         352                      
  $ 40001 -  45000      108     $4,580,134      $230,819      5.04         311                      
  $ 45001 -  50000      107     $5,076,613      $282,360      5.56         322                      
  $ 50001 -  75000      508    $31,703,257    $2,090,299      6.59       1,765                      
  $ 75001 - 100000      278    $23,955,573    $2,046,467      8.54       1,016                      
  OVER $100,000         173    $22,807,855    $3,114,632     13.66         588                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              2,331    $106,713,676    $8,522,051      7.99        5,638                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.6            -0.4           0.0                    0.7                     
  $     1  -  5000    11.0             0.6           0.0                    1.6                     
  $  5001 -  10000     8.6             1.4           0.3                    2.6                     
  $ 10001 -  15000     5.4             1.5           0.5                    3.0                     
  $ 15001 -  20000     5.2             2.0           1.0                    3.3                     
  $ 20001 -  25000     4.9             2.4           1.3                    3.6                     
  $ 25001 -  30000     4.3             2.6           1.5                    3.7                     
  $ 30001 -  35000     4.2             2.9           1.7                    4.4                     
  $ 35001 -  40000     5.4             4.4           2.5                    6.2                     
  $ 40001 -  45000     4.6             4.3           2.7                    5.5                     
  $ 45001 -  50000     4.6             4.8           3.3                    5.7                     
  $ 50001 -  75000    21.8            29.7          24.5                   31.3                     
  $ 75001 - 100000    11.9            22.4          24.0                   18.0                     
  OVER $100,000        7.4            21.4          36.5                   10.4                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-30,990          $147                   2.47                     
  $     1  -  5000                  $2,468           $16                   0.35                     
  $  5001 -  10000                  $7,409          $137                   0.73                     
  $ 10001 -  15000                 $12,522          $330                   1.32                     
  $ 15001 -  20000                 $17,406          $715                   1.52                     
  $ 20001 -  25000                 $22,495          $991                   1.79                     
  $ 25001 -  30000                 $27,682        $1,274                   2.04                     
  $ 30001 -  35000                 $32,335        $1,488                   2.58                     
  $ 35001 -  40000                 $37,685        $1,662                   2.79                     
  $ 40001 -  45000                 $42,409        $2,137                   2.88                     
  $ 45001 -  50000                 $47,445        $2,639                   3.01                     
  $ 50001 -  75000                 $62,408        $4,115                   3.47                     
  $ 75001 - 100000                 $86,171        $7,361                   3.65                     
  OVER $100,000                   $131,837       $18,004                   3.40                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $45,780        $3,656                   2.42                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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              145    $-2,046,098       $14,665     -0.72         244                      
  $     1  -  5000    2,660     $7,238,656        $9,199      0.13       2,198                      
  $  5001 -  10000    3,053    $23,025,669      $249,506      1.08       4,192                      
  $ 10001 -  15000    3,186    $39,731,674      $757,134      1.91       5,990                      
  $ 15001 -  20000    3,577    $62,676,560    $1,653,168      2.64       7,888                      
  $ 20001 -  25000    3,400    $76,275,344    $2,534,684      3.32       8,034                      
  $ 25001 -  30000    2,902    $79,626,633    $3,133,756      3.94       7,355                      
  $ 30001 -  35000    2,243    $72,733,728    $3,205,047      4.41       6,070                      
  $ 35001 -  40000    2,032    $76,085,347    $3,608,125      4.74       5,838                      
  $ 40001 -  45000    1,662    $70,520,935    $3,535,736      5.01       5,058                      
  $ 45001 -  50000    1,609    $76,358,573    $4,214,859      5.52       5,061                      
  $ 50001 -  75000    5,032   $305,636,496   $20,563,927      6.73      16,989                      
  $ 75001 - 100000    1,579   $133,744,881   $12,213,089      9.13       5,148                      
  $100001 - 250000      514    $63,454,614    $8,448,657     13.31       1,683                      
  OVER $250,000          20    $12,128,360    $3,343,954     27.57          54                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL             33,614  $1,097,191,372   $67,485,506      6.15       81,802                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.4            -0.2           0.0                    0.3                     
  $     1  -  5000     7.9             0.7           0.0                    2.7                     
  $  5001 -  10000     9.1             2.1           0.4                    5.1                     
  $ 10001 -  15000     9.5             3.6           1.1                    7.3                     
  $ 15001 -  20000    10.6             5.7           2.4                    9.6                     
  $ 20001 -  25000    10.1             7.0           3.8                    9.8                     
  $ 25001 -  30000     8.6             7.3           4.6                    9.0                     
  $ 30001 -  35000     6.7             6.6           4.7                    7.4                     
  $ 35001 -  40000     6.0             6.9           5.3                    7.1                     
  $ 40001 -  45000     4.9             6.4           5.2                    6.2                     
  $ 45001 -  50000     4.8             7.0           6.2                    6.2                     
  $ 50001 -  75000    15.0            27.9          30.5                   20.8                     
  $ 75001 - 100000     4.7            12.2          18.1                    6.3                     
  $100001 - 250000     1.5             5.8          12.5                    2.1                     
  OVER $250,000        0.1             1.1           5.0                    0.1                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                        $-14,111          $101                   1.68                     
  $     1  -  5000                  $2,721            $3                   0.83                     
  $  5001 -  10000                  $7,542           $82                   1.37                     
  $ 10001 -  15000                 $12,471          $238                   1.88                     
  $ 15001 -  20000                 $17,522          $462                   2.21                     
  $ 20001 -  25000                 $22,434          $745                   2.36                     
  $ 25001 -  30000                 $27,439        $1,080                   2.53                     
  $ 30001 -  35000                 $32,427        $1,429                   2.71                     
  $ 35001 -  40000                 $37,444        $1,776                   2.87                     
  $ 40001 -  45000                 $42,431        $2,127                   3.04                     
  $ 45001 -  50000                 $47,457        $2,620                   3.15                     
  $ 50001 -  75000                 $60,739        $4,087                   3.38                     
  $ 75001 - 100000                 $84,702        $7,735                   3.26                     
  $100001 - 250000                $123,453       $16,437                   3.27                     
  OVER $250,000                   $606,418      $167,198                   2.70                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $32,641        $2,008                   2.43                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                           
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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          90       $186,612           $26      0.01          63                      
  $  5001 -  10000       81       $612,963        $7,432      1.21          93                      
  $ 10001 -  15000       92     $1,150,249       $24,659      2.14         165                      
  $ 15001 -  20000       81     $1,430,029       $37,752      2.64         160                      
  $ 20001 -  25000       71     $1,594,157       $66,641      4.18         150                      
  $ 25001 -  30000       66     $1,824,280       $75,297      4.13         154                      
  $ 30001 -  35000       63     $2,052,375      $110,997      5.41         139                      
  $ 35001 -  40000       51     $1,917,549      $125,534      6.55         103                      
  $ 40001 -  45000       43     $1,827,588       $92,589      5.07         139                      
  $ 45001 -  50000       39     $1,856,523      $118,343      6.37         107                      
  $ 50001 -  75000      206    $12,746,251      $922,865      7.24         673                      
  $ 75001 - 100000       92     $7,877,068      $737,898      9.37         306                      
  OVER $100,000          50     $7,654,523    $1,139,410     14.89         161                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              1,025     $42,730,167    $3,459,443      8.10        2,413                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $ 5,000        8.8             0.4           0.0                    2.6                     
  $  5001 -  10000     7.9             1.4           0.2                    3.9                     
  $ 10001 -  15000     9.0             2.7           0.7                    6.8                     
  $ 15001 -  20000     7.9             3.3           1.1                    6.6                     
  $ 20001 -  25000     6.9             3.7           1.9                    6.2                     
  $ 25001 -  30000     6.4             4.3           2.2                    6.4                     
  $ 30001 -  35000     6.1             4.8           3.2                    5.8                     
  $ 35001 -  40000     5.0             4.5           3.6                    4.3                     
  $ 40001 -  45000     4.2             4.3           2.7                    5.8                     
  $ 45001 -  50000     3.8             4.3           3.4                    4.4                     
  $ 50001 -  75000    20.1            29.8          26.7                   27.9                     
  $ 75001 - 100000     9.0            18.4          21.3                   12.7                     
  OVER $100,000        4.9            17.9          32.9                    6.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $ 5,000                     $2,073            $0                   0.70                     
  $  5001 -  10000                  $7,567           $92                   1.15                     
  $ 10001 -  15000                 $12,503          $268                   1.79                     
  $ 15001 -  20000                 $17,655          $466                   1.98                     
  $ 20001 -  25000                 $22,453          $939                   2.11                     
  $ 25001 -  30000                 $27,641        $1,141                   2.33                     
  $ 30001 -  35000                 $32,577        $1,762                   2.21                     
  $ 35001 -  40000                 $37,599        $2,461                   2.02                     
  $ 40001 -  45000                 $42,502        $2,153                   3.23                     
  $ 45001 -  50000                 $47,603        $3,034                   2.74                     
  $ 50001 -  75000                 $61,875        $4,480                   3.27                     
  $ 75001 - 100000                 $85,620        $8,021                   3.33                     
  OVER $100,000                   $153,090       $22,788                   3.22                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $41,688        $3,375                   2.35                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS                             
                                                                       
                                                                                                    
****************************SUMMARY OF 2003 INDIVIDUAL INCOME TAX RETURNS**************             
*                              WITH UTAH ADDRESSES FILING WITH 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               23      $-127,881        $2,980     -2.33          46                      
  $     1  -  5000      223       $593,410          $660      0.11         110                      
  $  5001 -  10000      239     $1,769,621       $25,482      1.44         220                      
  $ 10001 -  15000      208     $2,615,474       $63,717      2.44         288                      
  $ 15001 -  20000      199     $3,491,487      $112,998      3.24         348                      
  $ 20001 -  25000      199     $4,467,501      $191,463      4.29         395                      
  $ 25001 -  30000      211     $5,774,795      $240,478      4.16         486                      
  $ 30001 -  35000      199     $6,503,235      $291,461      4.48         487                      
  $ 35001 -  40000      189     $7,095,764      $338,184      4.77         503                      
  $ 40001 -  45000      168     $7,107,471      $336,175      4.73         479                      
  $ 45001 -  50000      192     $9,155,935      $471,757      5.15         593                      
  $ 50001 -  75000      705    $43,049,956    $2,820,102      6.55       2,285                      
  $ 75001 - 100000      262    $22,082,332    $1,865,468      8.45         882                      
  OVER $100,000          96    $12,557,617    $1,697,050     13.51         351                      
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              3,113    $126,136,717    $8,457,975      6.71        7,473                     
                    ______________________________________________________________                  
                                   B. PERCENTAGE DISTRIBUTION                                       
  UNDER $1             0.7            -0.1           0.0                    0.6                     
  $     1  -  5000     7.2             0.5           0.0                    1.5                     
  $  5001 -  10000     7.7             1.4           0.3                    2.9                     
  $ 10001 -  15000     6.7             2.1           0.8                    3.9                     
  $ 15001 -  20000     6.4             2.8           1.3                    4.7                     
  $ 20001 -  25000     6.4             3.5           2.3                    5.3                     
  $ 25001 -  30000     6.8             4.6           2.8                    6.5                     
  $ 30001 -  35000     6.4             5.2           3.4                    6.5                     
  $ 35001 -  40000     6.1             5.6           4.0                    6.7                     
  $ 40001 -  45000     5.4             5.6           4.0                    6.4                     
  $ 45001 -  50000     6.2             7.3           5.6                    7.9                     
  $ 50001 -  75000    22.6            34.1          33.3                   30.6                     
  $ 75001 - 100000     8.4            17.5          22.1                   11.8                     
  OVER $100,000        3.1            10.0          20.1                    4.7                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL              100.0           100.0         100.0                  100.0                     
                    ______________________________________________________________                  
                                   C. AVERAGE PER RETURN                                            
  UNDER $1                         $-5,560          $130                   2.00                     
  $     1  -  5000                  $2,661            $3                   0.49                     
  $  5001 -  10000                  $7,404          $107                   0.92                     
  $ 10001 -  15000                 $12,574          $306                   1.38                     
  $ 15001 -  20000                 $17,545          $568                   1.75                     
  $ 20001 -  25000                 $22,450          $962                   1.98                     
  $ 25001 -  30000                 $27,369        $1,140                   2.30                     
  $ 30001 -  35000                 $32,680        $1,465                   2.45                     
  $ 35001 -  40000                 $37,544        $1,789                   2.66                     
  $ 40001 -  45000                 $42,306        $2,001                   2.85                     
  $ 45001 -  50000                 $47,687        $2,457                   3.09                     
  $ 50001 -  75000                 $61,064        $4,000                   3.24                     
  $ 75001 - 100000                 $84,284        $7,120                   3.37                     
  OVER $100,000                   $130,809       $17,678                   3.66                     
                                                                                                    
                    ______________________________________________________________                  
  TOTAL                            $40,519        $2,717                   2.40                     
                    ______________________________________________________________                  
          # DOLLAR AMOUNTS MAY NOT SUM EXACTLY DUE TO ROUNDING OF CENTS