Table B1.  Percentage Change in Net Cash Farm Income From the Baseline For a 50 and 100 Point
Increase in the 90 Day Treasury Bill Rate for Feed Grain Farms.
_____________________________________________________________________________________________

                                  Moderate                                Large
                      ________________________________      ________________________________
                      BASELINE       50 PT      100 PT      BASELINE      50 PT       100 PT
_____________________________________________________________________________________________
                     ($1,000's)                            ($1,000's)
Iowa 
             1997      101.23       -0.90%      -1.68%       209.16       -0.57%      -1.05%
             1998      105.80       -1.68%      -2.84%       221.48       -1.10%      -1.74%
             1999      111.82       -1.14%      -2.42%       233.61       -0.54%      -1.16%
             2000      119.36       -0.72%      -1.94%       244.74       -0.19%      -0.81%
             2001      122.75       -1.24%      -2.43%       251.07       -0.52%      -1.00%
             2002      127.81       -1.10%      -2.07%       265.61       -0.15%      -0.05%
1997-2002 Average      114.79       -1.12%      -2.22%       237.61       -0.49%      -0.94%

Central Missouri 
             1997      171.75       -0.62%      -1.17%       381.35       -0.46%      -0.85%
             1998      177.59       -1.10%      -1.84%       395.64       -0.90%      -1.46%
             1999      193.31       -0.67%      -1.43%       419.22       -0.53%      -1.13%
             2000      202.94       -0.30%      -0.87%       425.62       -0.12%      -0.56%
             2001      216.08       -0.69%      -1.33%       446.95       -0.25%      -0.45%
             2002      232.70       -0.47%      -0.70%       471.77        0.02%       0.28%
1997-2002 Average      199.06       -0.63%      -1.20%       423.43       -0.36%      -0.66%

Northern Missouri 
             1997       97.07       -1.52%      -2.93%
             1998       80.83       -3.50%      -6.68%
             1999       74.27       -4.08%      -8.44%
             2000       89.62       -3.04%      -6.53%
             2001       97.81       -3.16%      -6.46%
             2002       81.47       -3.44%      -7.07%
1997-2002 Average       86.85       -3.06%      -6.23%

Northern Plains of Texas
             1997       95.46       -0.48%      -1.00%       426.24       -0.29%      -0.60%
             1998      105.13       -0.78%      -1.35%       452.52       -0.88%      -1.40%
             1999      118.36       -0.44%      -0.89%       493.18       -0.44%      -0.90%
             2000      118.55        0.14%       0.06%       500.57        0.28%       0.17%
             2001      120.10       -0.47%      -0.50%       529.86       -0.14%      -0.11%
             2002      123.38       -0.05%       0.60%       545.17        0.26%       1.11%
1997-2002 Average      113.50       -0.33%      -0.48%       491.26       -0.18%      -0.24%

Nebraska 
             1997       51.87       -1.97%      -4.01%       149.99       -1.07%      -2.21%
             1998       54.20       -5.77%     -10.06%       168.90       -2.82%      -4.50%
             1999       62.44       -4.45%      -9.10%       182.90       -1.79%      -3.65%
             2000       59.38       -4.02%     -10.17%       183.10       -0.68%      -2.65%
             2001       63.73       -5.76%     -12.05%       195.40       -1.78%      -3.71%
             2002       59.73       -7.01%     -12.72%       208.86       -1.53%      -2.00%
1997-2002 Average       58.56       -4.88%      -9.84%       181.52       -1.61%      -3.11%

Southwestern Kansas
             1997       24.92       -1.85%      -3.89%        51.27       -1.19%      -2.50%
             1998       29.58       -4.53%      -7.40%        61.48       -2.62%      -4.26%
             1999       29.68       -3.94%      -8.09%        65.46       -2.14%      -4.41%
             2000       23.19       -4.53%     -12.07%        60.93       -1.28%      -3.99%
             2001       23.56       -8.02%     -16.77%        59.64       -3.71%      -7.46%
             2002       24.23       -8.67%     -15.31%        61.09       -3.60%      -5.89%
1997-2002 Average       25.86       -5.18%     -10.32%        59.98       -2.45%      -4.80%

South Carolina
             1997      138.65       -0.61%      -1.09%       530.79       -0.45%      -0.81%
             1998      149.12       -0.82%      -1.48%       547.40       -0.54%      -1.01%
             1999      162.20       -0.62%      -1.37%       586.13       -0.41%      -0.91%
             2000      165.57       -0.51%      -1.12%       617.22       -0.22%      -0.48%
             2001      176.31       -0.70%      -1.03%       655.76       -0.35%      -0.48%
             2002      177.76       -0.11%      -0.12%       675.92        0.17%       0.37%
1997-2002 Average      161.60       -0.55%      -1.01%       602.20       -0.28%      -0.52%
_____________________________________________________________________________________________


Table B2.  Percentage Change in Net Cash Farm Income From the Baseline For a 50 and 100 Point
Increase in the 90 Day Treasury Bill Rate for Wheat Farms.
_____________________________________________________________________________________________

                                  Moderate                                Large
                      ________________________________      ________________________________
                      BASELINE       50 PT      100 PT      BASELINE      50 PT       100 PT
_____________________________________________________________________________________________
                     ($1,000's)                            ($1,000's)
Washington
             1997       98.57       -0.78%      -1.59%       394.24       -0.34%      -0.71%
             1998      101.01       -0.75%      -1.92%       390.30       -0.20%      -0.83%
             1999      116.58       -1.73%      -3.53%       452.91       -0.64%      -1.31%
             2000      122.03       -1.85%      -3.00%       458.30       -0.67%      -0.85%
             2001      122.01       -2.11%      -3.96%       504.67       -0.40%      -0.47%
             2002      117.73       -2.24%      -4.42%       510.84        0.09%       0.21%
1997-2002 Average      112.99       -1.63%      -3.14%       451.88       -0.36%      -0.63%

North Dakota
             1997       83.25       -0.48%      -0.89%       254.06       -0.50%      -0.92%
             1998       70.94       -0.90%      -1.83%       229.51       -0.48%      -0.96%
             1999       80.26       -1.35%      -2.82%       262.30       -0.88%      -1.86%
             2000       80.07       -1.55%      -2.47%       262.36       -1.14%      -1.62%
             2001       86.97       -1.13%      -2.07%       286.71       -0.58%      -1.04%
             2002       89.25       -0.72%      -1.36%       290.72       -0.32%      -0.50%
1997-2002 Average       81.79       -1.01%      -1.90%       264.28       -0.65%      -1.14%

South Central Kansas
             1997       39.71       -1.31%      -2.62%       125.09       -0.62%      -1.22%
             1998       38.97       -1.85%      -4.49%       134.14       -0.42%      -1.36%
             1999       39.10       -4.30%      -8.80%       153.17       -1.02%      -2.09%
             2000       36.42       -5.68%     -10.85%       156.03       -0.90%      -1.43%
             2001       34.68       -7.41%     -13.87%       162.45       -0.86%      -1.16%
             2002       31.39       -8.89%     -17.65%       156.49       -0.45%      -0.77%
1997-2002 Average       36.71       -4.69%      -9.32%       147.89       -0.72%      -1.33%

Northwestern Kansas
             1997       79.92       -0.71%      -1.43%       107.42       -0.71%      -1.42%
             1998       86.75       -0.89%      -1.96%       119.93       -0.78%      -1.71%
             1999       99.21       -0.94%      -1.92%       139.48       -0.75%      -1.53%
             2000      103.13       -0.57%      -1.10%       141.55       -0.28%      -0.49%
             2001       98.85       -1.23%      -2.23%       139.52       -0.62%      -0.75%
             2002      102.43       -0.60%      -1.01%       133.89       -0.37%      -0.34%
1997-2002 Average       95.05       -0.82%      -1.60%       130.30       -0.58%      -1.01%

Colorado
             1997      106.27       -0.63%      -1.23%       139.99       -0.55%      -1.07%
             1998      110.64       -0.51%      -1.27%       146.36       -0.29%      -1.00%
             1999      117.28       -1.01%      -2.04%       158.84       -0.77%      -1.62%
             2000      118.62       -1.06%      -1.96%       163.07       -0.79%      -1.18%
             2001      124.28       -0.95%      -1.56%       163.73       -0.89%      -1.36%
             2002      128.30       -0.41%      -0.79%       165.32       -0.15%      -0.40%
1997-2002 Average      117.57       -0.77%      -1.47%       156.22       -0.58%      -1.10%
_____________________________________________________________________________________________


Table B3.  Percentage Change in Net Cash Farm Income From the Baseline For a 50 and 100 Point
Increase in the 90 Day Treasury Bill Rate for Cotton Farms.
_____________________________________________________________________________________________

                                  Moderate                                Large
                      ________________________________      ________________________________
                      BASELINE       50 PT      100 PT      BASELINE      50 PT       100 PT
_____________________________________________________________________________________________
                     ($1,000's)                            ($1,000's)
California
             1997      335.38       -0.98%      -1.93%      1108.87       -0.78%      -1.58%
             1998      326.21       -1.34%      -2.80%      1108.02       -1.05%      -2.22%
             1999      320.93       -1.46%      -2.99%      1113.25       -1.11%      -2.29%
             2000      323.40       -1.18%      -2.33%      1127.10       -0.91%      -1.85%
             2001      292.18       -0.95%      -1.91%      1072.92       -0.67%      -1.50%
             2002      267.69       -0.69%      -1.51%      1049.36       -0.31%      -0.74%
1997-2002 Average      310.96       -1.11%      -2.27%      1096.59       -0.81%      -1.71%

Southern Plains of Texas
             1997       91.18       -0.53%      -1.06%       279.31       -0.45%      -0.88%
             1998       86.73       -0.96%      -1.94%       268.64       -0.80%      -1.61%
             1999       85.28       -1.24%      -2.54%       266.02       -0.94%      -1.93%
             2000       87.17       -1.18%      -2.42%       276.54       -0.78%      -1.63%
             2001       81.99       -1.24%      -2.68%       264.86       -0.74%      -1.59%
             2002       79.36       -1.54%      -3.21%       268.91       -0.39%      -0.87%
1997-2002 Average       85.29       -1.11%      -2.29%       270.71       -0.68%      -1.41%

Rolling Plains of Texas
             1997       67.11       -0.58%      -1.13%        84.60       -0.71%      -1.39%
             1998       68.19       -1.14%      -2.35%        85.19       -1.42%      -2.93%
             1999       67.12       -1.62%      -3.32%        85.42       -1.69%      -3.47%
             2000       70.49       -1.74%      -3.55%        91.03       -1.60%      -3.27%
             2001       66.64       -1.86%      -3.84%        84.38       -1.64%      -3.39%
             2002       70.33       -1.71%      -3.57%        84.43       -1.80%      -3.73%
1997-2002 Average       68.31       -1.43%      -2.96%        85.84       -1.48%      -3.03%

Blacklands of Texas                                    Coastal Bend of Texas
             1997       46.29       -0.97%      -1.94%        45.95       -1.48%      -2.98%
             1998       45.94       -1.87%      -3.48%        53.93       -2.15%      -4.34%
             1999       46.22       -1.84%      -3.79%        51.13       -2.88%      -5.91%
             2000       44.92       -2.43%      -5.37%        42.01       -5.00%     -10.26%
             2001       44.16       -2.92%      -5.59%        32.39       -7.29%     -13.55%
             2002       46.90       -2.75%      -4.73%        26.27      -10.51%     -19.60%
1997-2002 Average       45.74       -2.12%      -4.13%        41.95       -4.20%      -8.18%

Mississippi
             1997      116.03       -1.45%      -2.78%       316.99       -0.91%      -1.73%
             1998      107.11       -2.20%      -4.34%       285.39       -1.60%      -3.13%
             1999       99.95       -2.77%      -5.74%       271.72       -1.88%      -3.92%
             2000      105.99       -2.75%      -5.65%       286.22       -1.85%      -3.79%
             2001       93.91       -3.27%      -6.71%       272.42       -1.80%      -3.65%
             2002       91.74       -3.37%      -7.22%       282.14       -1.21%      -2.73%
1997-2002 Average      102.45       -2.58%      -5.29%       285.82       -1.53%      -3.12%
_____________________________________________________________________________________________


Table B4.  Percentage Change in Net Cash Farm Income From the Baseline For a 50 and 100 Point
Increase in the 90 Day Treasury Bill Rate for Rice Farms.
_____________________________________________________________________________________________

                                  Moderate                                Large
                      ________________________________      ________________________________
                      BASELINE       50 PT      100 PT      BASELINE      50 PT       100 PT
_____________________________________________________________________________________________
                     ($1,000's)                            ($1,000's)
California 
             1997       92.74       -0.43%      -0.89%       183.00       -0.63%      -1.30%
             1998       93.44       -0.56%      -1.37%       194.78       -0.48%      -1.35%
             1999       88.48       -0.78%      -1.59%       177.18       -0.81%      -1.67%
             2000       81.78       -1.03%      -2.10%       164.54       -0.70%      -1.45%
             2001       70.15       -0.88%      -1.85%       124.93       -0.46%      -1.04%
             2002       66.27       -0.65%      -1.40%       112.77        0.06%      -0.04%
1997-2002 Average       82.14       -0.71%      -1.51%       159.54       -0.55%      -1.22%

Texas 
             1997      128.34       -0.46%      -0.94%       251.23       -0.85%      -1.72%
             1998      137.21       -0.36%      -0.95%       281.78       -0.77%      -1.88%
             1999      132.46       -0.51%      -1.04%       254.65       -1.41%      -2.89%
             2000      130.75       -0.39%      -0.81%       252.58       -1.20%      -2.49%
             2001      114.51       -0.26%      -0.58%       205.07       -1.24%      -2.61%
             2002      111.04        0.03%      -0.04%       181.77       -0.91%      -2.03%
1997-2002 Average      125.72       -0.34%      -0.75%       237.85       -1.06%      -2.27%

Missouri 
             1997       74.33       -1.87%      -3.63%       330.70       -1.27%      -2.54%
             1998       78.10       -3.11%      -5.70%       334.43       -2.40%      -4.60%
             1999       73.91       -3.45%      -7.14%       318.96       -2.93%      -6.01%
             2000       59.71       -5.23%     -11.82%       315.27       -2.79%      -6.22%
             2001       41.28      -11.12%     -22.65%       297.84       -3.54%      -7.23%
             2002       34.82      -15.42%     -30.47%       307.28       -3.43%      -6.62%
1997-2002 Average       60.36       -5.37%     -10.90%       317.42       -2.70%      -5.48%

Arkansas                                               Louisiana
             1997      123.65       -0.78%      -1.49%        69.52       -0.45%      -0.82%
             1998      127.43       -0.75%      -1.72%        70.77       -0.28%      -0.78%
             1999      120.91       -1.39%      -2.89%        62.58       -1.07%      -2.25%
             2000      122.96       -1.41%      -2.82%        59.11       -1.29%      -2.66%
             2001      107.06       -1.65%      -3.25%        42.73       -3.18%      -6.41%
             2002      104.29       -1.67%      -3.64%        39.42       -3.17%      -6.82%
1997-2002 Average      117.72       -1.26%      -2.59%        57.36       -1.32%      -2.77%
_____________________________________________________________________________________________


Table B5.  Percentage Change in Net Cash Farm Income From the Baseline For a 50 and 100 Point
Increase in the 90 Day Treasury Bill Rate for Cow/Calf Ranches. 
_____________________________________________________________________________________________

                                  Moderate                                Large
                      ________________________________      ________________________________
                      BASELINE       50 PT      100 PT      BASELINE      50 PT       100 PT
_____________________________________________________________________________________________
                     ($1,000's)                            ($1,000's)

Montana                                                Wyoming
             1997       30.15       -2.02%      -3.65%         5.02      -10.36%     -19.12%
             1998       48.11       -2.24%      -4.70%        13.90       -6.98%     -14.53%
             1999       60.68       -1.96%      -4.09%        24.67       -5.19%     -10.70%
             2000       75.37       -0.90%      -2.03%        32.26       -3.41%      -7.35%
             2001       77.80       -0.17%      -0.44%        31.78       -2.80%      -6.04%
             2002       65.60        0.76%       1.45%        22.35       -2.10%      -4.83%
1997-2002 Average       59.62       -0.89%      -1.90%        21.66       -4.02%      -8.45%

Colorado                                               Texas
             1997       28.92       -2.14%      -3.70%        -5.64      -12.94%     -23.76%
             1998       43.72       -2.29%      -4.85%         7.33      -20.19%     -42.02%
             1999       56.14       -1.89%      -3.99%        18.63      -10.57%     -21.85%
             2000       61.29       -1.37%      -2.89%        27.50       -7.05%     -14.91%
             2001       66.11       -0.82%      -1.66%        30.45       -5.55%     -11.76%
             2002       55.75        0.16%       0.22%        15.56       -7.90%     -17.16%
1997-2002 Average       51.99       -1.27%      -2.64%        15.64       -9.65%     -20.08%

Southern Missouri 
             1997       29.19       -1.47%      -2.71%
             1998       34.87       -2.06%      -4.30%
             1999       38.45       -2.78%      -5.77%
             2000       42.83       -2.38%      -4.88%
             2001       45.45       -1.98%      -3.89%
             2002       41.78       -1.48%      -3.14%
1997-2002 Average       38.76       -2.04%      -4.15%
_____________________________________________________________________________________________


Table B6.  Percentage Change in Net Cash Farm Income From the Baseline For a 50 and 100 Point
Increase in the 90 Day Treasury Bill Rate for Farrow-to-Finish Hog Farms.
_____________________________________________________________________________________________

                                  Moderate                                Large
                      ________________________________      ________________________________
                      BASELINE       50 PT      100 PT      BASELINE      50 PT       100 PT
_____________________________________________________________________________________________
                     ($1,000's)                            ($1,000's)
Missouri
             1997       75.22       -1.00%      -1.95%       249.43       -0.73%      -1.40%
             1998       53.94       -2.28%      -4.52%       184.68       -1.82%      -3.62%
             1999       40.28       -2.98%      -6.21%       145.63       -2.20%      -4.64%
             2000       52.67       -1.84%      -3.57%       180.47       -1.44%      -2.78%
             2001       63.01       -1.05%      -2.06%       212.52       -0.84%      -1.62%
             2002       49.41       -1.17%      -2.53%       181.58       -0.63%      -1.42%
1997-2002 Average       55.76       -1.61%      -3.25%       192.38       -1.21%      -2.42%

Illinois
             1997      286.58       -0.76%      -1.50%      1081.24       -0.61%      -1.20%
             1998      239.07       -1.66%      -3.12%       885.42       -1.22%      -2.38%
             1999      209.49       -1.71%      -3.56%       745.57       -1.26%      -2.65%
             2000      240.35       -1.17%      -2.50%       883.32       -0.74%      -1.45%
             2001      267.63       -0.96%      -1.91%      1016.43       -0.24%      -0.50%
             2002      249.95       -0.83%      -1.64%       915.70        0.03%      -0.02%
1997-2002 Average      248.84       -1.15%      -2.30%       921.28       -0.64%      -1.30%

Indiana
             1997      141.20       -1.38%      -2.78%       618.93       -0.91%      -1.82%
             1998      107.41       -3.65%      -6.82%       461.68       -2.27%      -4.28%
             1999       82.83       -4.84%      -9.92%       357.11       -2.60%      -5.37%
             2000       96.32       -4.12%      -8.87%       444.35       -1.58%      -3.30%
             2001      113.43       -4.23%      -8.67%       534.36       -1.09%      -2.21%
             2002       95.25       -5.54%     -11.01%       461.92       -0.99%      -1.92%
1997-2002 Average      106.07       -3.76%      -7.59%       479.73       -1.49%      -2.97%

North Carolina
             1997      351.90       -0.43%      -0.74%     12035.82       -0.24%      -0.35%
             1998      264.23       -1.10%      -2.16%      8305.66       -0.79%      -1.52%
             1999      197.79       -0.99%      -2.29%      5291.11       -0.37%      -1.14%
             2000      243.26       -0.59%      -1.09%      6970.23        0.19%       0.51%
             2001      293.61       -0.16%      -0.21%      8780.76        0.67%       1.45%
             2002      246.68        0.29%       0.50%      6467.49        1.35%       2.57%
1997-2002 Average      266.25       -0.47%      -0.93%      7975.18        0.09%       0.21%
_____________________________________________________________________________________________


Table B7.  Percentage Change in Net Cash Farm Income From the Baseline For a 50 and 100 Point
Increase in the 90 Day Treasury Bill Rate for Western and Midwestern U.S. Dairy Farms.
_____________________________________________________________________________________________
                                  Moderate                                Large
                      ________________________________      ________________________________
                      BASELINE       50 PT      100 PT      BASELINE      50 PT       100 PT
_____________________________________________________________________________________________
                     ($1,000's)                            ($1,000's)
California                                             New Mexico
             1997     1363.99       -0.70%      -1.36%       471.55       -1.36%      -2.87%
             1998     1611.85       -1.16%      -2.40%       689.12       -2.42%      -5.10%
             1999     1733.82       -0.97%      -1.96%       783.13       -1.82%      -3.68%
             2000     1665.07       -0.25%      -0.58%       650.62        0.25%       0.38%
             2001     1727.88        0.72%       1.43%       663.60        3.35%       6.41%
             2002     1775.56        1.68%       3.35%       713.78        5.95%      11.53%
1997-2002 Average     1646.36       -0.07%      -0.17%       661.97        0.73%       1.25%

Washington
             1997       91.93       -0.80%      -1.71%       176.29       -1.70%      -3.61%
             1998      102.33       -2.02%      -4.09%       221.72       -3.85%      -7.79%
             1999      104.09       -1.75%      -3.55%       227.14       -3.32%      -6.74%
             2000       87.45       -0.22%      -0.45%       158.13       -0.29%      -0.63%
             2001       86.98        2.47%       4.79%       149.31        6.21%      12.00%
             2002       90.27        4.81%       9.58%       164.46       11.72%      23.25%
1997-2002 Average       93.84        0.30%       0.53%       182.84        0.82%       1.48%

Central Texas
             1997       88.79       -1.55%      -2.87%       420.47       -0.73%      -1.34%
             1998      122.87       -2.66%      -5.53%       507.91       -1.35%      -2.84%
             1999      125.61       -2.36%      -5.06%       529.42       -1.10%      -2.37%
             2000      102.83       -1.07%      -2.30%       477.36       -0.25%      -0.54%
             2001       99.70        1.75%       3.40%       476.59        1.29%       2.57%
             2002       92.80        5.30%      10.40%       479.87        3.00%       5.94%
1997-2002 Average      105.43       -0.32%      -0.79%       481.94        0.12%       0.19%

Eastern Texas
             1997      110.27       -0.73%      -1.30%       254.13       -0.83%      -1.44%
             1998      124.66       -1.48%      -3.10%       316.01       -1.56%      -3.28%
             1999      128.03       -1.34%      -2.87%       324.50       -1.29%      -2.84%
             2000      117.67       -0.61%      -1.26%       287.65       -0.34%      -0.71%
             2001      117.24        0.83%       1.65%       281.85        1.55%       3.16%
             2002      115.73        2.51%       4.95%       269.57        3.92%       7.74%
1997-2002 Average      118.93       -0.17%      -0.39%       288.95        0.16%       0.26%

Wisconsin
             1997       93.54       -0.45%      -0.88%       467.89       -0.47%      -0.94%
             1998      100.13       -0.89%      -1.83%       519.46       -1.03%      -2.13%
             1999      102.50       -0.88%      -1.78%       542.55       -0.87%      -1.77%
             2000       99.01       -0.50%      -1.02%       511.85       -0.08%      -0.18%
             2001      100.60        0.21%       0.38%       518.77        1.10%       2.13%
             2002      101.47        0.94%       1.84%       520.64        2.24%       4.43%
1997-2002 Average       99.54       -0.25%      -0.54%       513.53        0.15%       0.26%

Missouri
             1997       29.95       -1.40%      -2.94%        91.80       -1.29%      -2.61%
             1998       37.91       -2.61%      -5.35%       114.13       -2.58%      -5.27%
             1999       40.06       -3.10%      -6.29%       119.17       -2.42%      -5.00%
             2000       35.13       -2.88%      -5.92%       100.97       -1.39%      -2.83%
             2001       34.48       -1.60%      -3.42%        98.34        1.02%       1.89%
             2002       32.46       -0.09%      -0.37%        93.73        3.95%       7.72%
1997-2002 Average       35.00       -2.03%      -4.20%       103.02       -0.59%      -1.32%
_____________________________________________________________________________________________


Table B8.  Percentage Change in Net Cash Farm Income From the Baseline For a 50 and 100 Point
Increase in the 90 Day Treasury Bill Rate for Eastern U.S. Dairy Farms.
_____________________________________________________________________________________________
                                  Moderate                                Large
                      ________________________________      ________________________________
                      BASELINE       50 PT      100 PT      BASELINE      50 PT       100 PT
_____________________________________________________________________________________________
                     ($1,000's)                            ($1,000's)
Western New York
             1997      585.58       -0.57%      -1.14%       840.86       -0.66%      -1.32%
             1998      662.27       -1.24%      -2.54%       960.90       -1.41%      -2.90%
             1999      669.31       -1.08%      -2.26%       960.87       -1.27%      -2.67%
             2000      623.45       -0.34%      -0.73%       883.15       -0.43%      -0.92%
             2001      621.84        0.89%       1.74%       874.66        1.01%       1.96%
             2002      627.15        2.24%       4.45%       875.73        2.59%       5.15%
1997-2002 Average      631.60       -0.03%      -0.12%       899.36       -0.06%      -0.19%

Central New York
             1997       55.99       -1.14%      -2.39%       324.58       -0.41%      -0.87%
             1998       66.51       -2.27%      -4.57%       349.75       -0.96%      -1.93%
             1999       66.67       -2.25%      -4.54%       354.36       -0.86%      -1.72%
             2000       60.15       -1.25%      -2.61%       340.81       -0.16%      -0.36%
             2001       59.09        0.63%       1.03%       342.21        0.83%       1.56%
             2002       57.59        2.64%       5.24%       346.40        1.80%       3.59%
1997-2002 Average       61.00       -0.69%      -1.46%       343.02        0.04%       0.04%

Vermont
             1997      121.61       -0.46%      -0.90%       297.18       -0.55%      -1.09%
             1998      128.97       -0.93%      -1.90%       319.74       -1.19%      -2.45%
             1999      131.17       -0.91%      -1.88%       321.12       -1.10%      -2.25%
             2000      127.09       -0.45%      -0.91%       297.06       -0.30%      -0.63%
             2001      127.63        0.24%       0.49%       295.76        0.99%       1.94%
             2002      127.95        1.01%       1.98%       293.76        2.30%       4.54%
1997-2002 Average      127.40       -0.25%      -0.53%       304.10       -0.01%      -0.06%

Georgia
             1997      -19.38       -2.27%      -4.85%       322.49       -0.77%      -1.58%
             1998       11.16      -12.54%     -25.72%       413.68       -1.40%      -2.94%
             1999       20.82       -8.02%     -16.14%       437.32       -1.19%      -2.50%
             2000        4.18      -27.75%     -57.89%       396.49       -0.27%      -0.69%
             2001       -3.26      -10.74%     -26.38%       386.66        1.11%       2.12%
             2002       -8.28       -6.04%     -11.47%       387.60        2.63%       5.24%
1997-2002 Average        0.87      -86.21%    -181.61%       390.71       -0.00%      -0.10%

Florida
             1997      152.88       -0.65%      -1.37%       217.73       -2.45%      -5.15%
             1998      231.14       -1.06%      -2.15%       633.57       -2.10%      -4.27%
             1999      260.65       -0.91%      -1.82%       784.07       -1.71%      -3.40%
             2000      234.83       -0.30%      -0.61%       659.65       -0.62%      -1.30%
             2001      225.81        0.71%       1.43%       612.45        1.40%       2.78%
             2002      224.36        1.80%       3.64%       596.39        3.68%       7.41%
1997-2002 Average      221.61       -0.07%      -0.14%       583.98       -0.16%      -0.35%
_____________________________________________________________________________________________