SIPEarn_2000

SIP Fund Earnings-2000

Last Posted 1-18-01

12-31-2000 4th Quarter 3-Year/5-Year Returns

3-Year 5-Year

Fixed Income 06.32% 06.56%

L/C Short 07.14% 08.56%

L/C Mid 08.75% 11.23%

L/C Long 09.98% 13.65%

Puritan 08.93% 12.74%

Janus 20.25% 20.61%

Mid Cap 20.28% 17.09%

Int Eq 08.45% 12.67%

Small Cp 19.21% 15.44%

Magellan 14.56% 16.28%

Bond Index N/A N/A

Equity 500 N/A N/A

JANUARY, 2000

FUND ROLLING
ONE-MONTH YTD** ROLLING
12-MONTH

Fixed Income* 0.51% 0.51% 6.03%

L/C Short -1.05% -1.05% 1.21%

L/C Mid -2.06% -2.06% 4.60%

L/C Long -2.81% -2.81% 7.17%

Fid Puritan -2.21% -2.21% -0.26%

Janus Fund -0.54% -0.54% 34.13%

Eq. Appr 3.20% 3.20% 45.33%

Int'l Eq -4.47% -4.47% 25.52%

Small Cap -3.72% -3.72% 33.73%

Fid Magellan -4.81% -4.81% 12.19%

Bond Index -0.23% -0.23% -1.79%

Equity 500 -5.04% -5.04% 10.36%

**YTD begins with Jan. 2000
*Projected annual 2000 Fixed Income return is 5.70% to 6.20%
January 2000 Contributions posted to accounts 2/10/2000.

February, 2000

FUND ROLLING
ONE-MONTH YTD** ROLLING
12-MONTH

Fixed Income* 0.48% 0.99% 6.05%

L/C Short 1.65% 0.57% 5.39%

L/C Mid 1.64% -0.45% 8.86%

L/C Long 1.37% -1.48% 11.37%

Fid Puritan -3.12% -5.25% -1.91%

Janus Fund 5.66% 5.09% 49.46%

Eq. Appr 21.25% 25.13% 88.18%

Int'l Eq 9.36% 4.47% 44.28%

Small Cap 22.36% 17.81% 81.69%

Fid Magellan 1.00% -3.86% 17.05%

Bond Index 1.13% 0.90% 1.16%

Equity 500 -1.94% -6.89% 11.69%

**YTD begins with Jan. 2000
*Projected annual 2000 Fixed Income return is 5.70% to 6.20%
February 2000 Contributions posted to accounts 3/10/2000.

March, 2000

FUND ROLLING
ONE-MONTH YTD** ROLLING
12-MONTH

Fixed Income* 0.51% 1.50% 6.03%

L/C Short 1.43% 2.01% 5.76%

L/C Mid 2.69% 2.23% 9.80%

L/C Long 4.35% 2.81% 13.46%

Fid Puritan 5.47% -0.07% 1.38%

Janus Fund 5.10% 10.44% 45.93%

Eq. Appr -3.31% 20.99% 70.01%

Int'l Eq -3.95% 0.34% 38.93%

Small Cap 0.70% 18.64% 63.96%

Fid Magellan 9.06% 4.85% 21.11%

Bond Index 1.33% 2.24% 1.79%

Equity 500 9.79% 2.22% 17.91%

**YTD begins with Jan. 2000
*Projected annual 2000 Fixed Income return is 5.70% to 6.20%
March 2000 Contributions posted to accounts 4/10/2000.

April, 2000

FUND ROLLING
ONE-MONTH YTD** ROLLING
12-MONTH

Fixed Income* 0.47% 1.97% 6.02%

L/C Short -0.95% 1.04% 3.65%

L/C Mid -1.41% 0.80% 6.35%

L/C Long -2.16% 0.58% 8.33%

Fid Puritan 0.00% -0.07% -2.11%

Janus Fund -5.24% 4.65% 36.64%

Eq. Appr -8.48% 10.73% 47.27%

Int'l Eq -8.60% -8.29% 22.68%

Small Cap -9.51% 7.36% 45.62%

Fid Magellan -4.31% 0.33% 13.19%

Bond Index -0.28% 1.96% 1.28%

Equity 500 -2.98% -0.82% 10.15%

**YTD begins with Jan. 2000
*Projected annual 2000 Fixed Income return is 5.70% to 6.20%
April 2000 Contributions posted to accounts 5/10/2000.

May, 2000

FUND ROLLING
ONE-MONTH YTD** ROLLING
12-MONTH

Fixed Income* 0.54% 2.53% 6.11%

L/C Short -0.29% 0.75% 4.46%

L/C Mid -0.80% -0.01% 6.98%

L/C Long -1.33% -0.75% 8.92%

Fid Puritan 0.69% 0.62% 1.63%

Janus Fund -6.49% -2.13% 30.04%

Eq. Appr -7.05% 2.92% 39.99%

Int'l Eq -2.76% -10.82% 24.55%

Small Cap -7.58% -0.79% 40.68%

Fid Magellan -3.36% -3.04% 12.62%

Bond Index -0.06% 1.90% 2.13%

Equity 500 -2.06% -2.85% 10.47%

**YTD begins with Jan. 2000
*Projected annual 2000 Fixed Income return is 5.70% to 6.20%
May 2000 Contributions posted to accounts 6/12/2000.

June, 2000

FUND ROLLING
ONE-MONTH YTD** ROLLING
12-MONTH

Fixed Income* 0.49% 3.02% 6.07%

L/C Short 1.82% 2.59% 5.42%

L/C Mid 2.07% 2.05% 7.12%

L/C Long 2.32% 1.55% 8.10%

Fid Puritan -0.11% 0.51% -1.29%

Janus Fund 5.29% 3.04% 26.90%

Eq. Appr 12.99% 16.28% 48.15%

Int'l Eq 4.07% -7.19% 23.37%

Small Cap 10.37% 9.50% 41.23%

Fid Magellan 3.86% 0.70% 9.81%

Bond Index 2.10% 4.04% N/A

Equity 500 2.46% -0.48% N/A

**YTD begins with Jan. 2000
*Projected annual 2000 Fixed Income return is 5.70% to 6.20%
June 2000 Contributions posted to accounts 7/10/2000.

July, 2000

FUND ROLLING
ONE-MONTH YTD** ROLLING
12-MONTH

Fixed Income* 0.50% 3.54% 6.09%

L/C Short 0.29 2.89% 6.77%

L/C Mid -0.19% 1.86% 8.42%

L/C Long -0.57% 0.97% 9.89%

Fid Puritan 0.42% 0.93% 1.34%

Janus Fund -2.36% 0.61% 27.30%

Eq. Appr -1.94% 14.02% 50.51%

Int'l Eq -3.03% -10.01% 17.14%

Small Cap -8.53% 0.17% 30.70%

Fid Magellan -1.24% -0.55% 12.23%

Bond Index 0.86% 4.92% 5.85%

Equity 500 -1.58% -2.03% 8.95%

**YTD begins with Jan. 2000
*Projected annual 2000 Fixed Income return is 5.70% to 6.20%
July 2000 Contributions posted to accounts 8/10/2000.

August, 2000

FUND ROLLING
ONE-MONTH YTD** ROLLING
12-MONTH

Fixed Income* 0.50% 4.06% 6.09%

L/C Short 1.54 4.48% 8.42%

L/C Mid 2.55% 4.46% 10.99%

L/C Long 3.70% 4.70% 13.77%

Fid Puritan 3.38% 4.35% 6.40%

Janus Fund 9.32% 9.99% 40.24%

Mid-Cap 10.13% 25.58% 62.83%

Int'l Eq 2.09% -8.13% 20.76%

Small Cap 11.18% 11.36% 44.57%

Fid Magellan 6.39% 5.81% 20.90%

Bond Index 1.45% 6.44% 7.39%

Equity 500 6.21% 4.05% 16.28%

**YTD begins with Jan. 2000
*Projected annual 2000 Fixed Income return is 5.70% to 6.20%
August 2000 Contributions posted to accounts 9/10/2000.

September, 2000

FUND ROLLING
ONE-MONTH YTD** ROLLING
12-MONTH

Fixed Income* 0.48% 4.56% 6.10%

L/C Short -0.67% 3.78% 7.49%

L/C Mid -1.94% 2.44% 9.25%

L/C Long -3.33% 1.21% 11.22%

Fid Puritan 0.55% 4.92% 8.99%

Janus Fund -5.63% 3.79% 29.86%

Mid-Cap -5.54% 18.24% 53.65%

Int'l Eq -7.46% -14.98% 12.27%

Small Cap 0.00% 11.36% 41.59%

Fid Magellan -5.39% 0.11% 16.10%

Bond Index 0.66% 7.16% 7.02%

Equity 500 -5.26% -1.42% 13.29%

**YTD begins with Jan. 2000
*Projected annual 2000 Fixed Income return is 5.70% to 6.20%
September 2000 Contributions posted to accounts 10/10/2000.

October, 2000

FUND ROLLING
ONE-MONTH YTD** ROLLING
12-MONTH

Fixed Income* 0.53% 5.12% 6.18%

L/C Short 0.19% 3.98% 6.74%

L/C Mid 0.00% 2.44% 7.11%

L/C Long -0.16% 1.05% 7.38%

Fid Puritan 1.48% 6.48% 8.39%

Janus Fund -3.76% -0.11% 15.60%

Mid-Cap -10.42% 6.27% 31.95%

Int'l Eq -6.03% -20.11% 0.83%

Small Cap -2.11% 9.01% 34.78%

Fid Magellan -1.79% 1.68% 7.56%

Bond Index 0.67% 7.86% 7.36%

Equity 500 -0.41% -1.83% 6.10%

**YTD begins with Jan. 2000
*Projected annual 2000 Fixed Income return is 5.70% to 6.20%
October 2000 Contributions posted to accounts 11/10/2000.

November, 2000

FUND ROLLING
ONE-MONTH YTD** ROLLING
12-MONTH

Fixed Income* 0.48% 5.63% 6.15%

L/C Short -0.29% 3.68% 5.92%

L/C Mid -2.18% 0.21% 3.91%

L/C Long -4.29% -3.28% 1.59%

Fid Puritan -2.19% 4.14% 5.79%

Janus Fund -13.77% -13.87% -4.26%

Mid-Cap -14.17% -8.79% 5.27%

Int'l Eq -4.46% -23.68% -11.75%

Small Cap -11.98% -4.05% 7.75%

Fid Magellan -8.51% -10.05% -3.57%

Bond Index 1.65% 9.64% 9.08%

Equity 500 -7.86% -9.54% -4.18%

**YTD begins with Jan. 2000
*Projected annual 2001 Fixed Income return is 6.10% to 6.50%
November 2000 Contributions posted to accounts 12/11/2000.

December, 2000

FUND ROLLING
ONE-MONTH YTD** ROLLING
12-MONTH

Fixed Income* 0.45% 6.11% 6.11%

L/C Short 1.16% 4.89% 4.89%

L/C Mid 0.95% 1.17% 1.17%

L/C Long 0.83% -2.48% -2.48%

Fid Puritan 3.49% 7.77% 7.77%

Janus Fund -1.21% -14.91% -14.91%

Mid-Cap 8.20% -1.31% -1.31%

Int'l Eq 4.60% -20.16% -20.16%

Small Cap 14.93% 10.28% 10.28%

Fid Magellan 0.84% -9.29% -9.29%

Bond Index 1.88% 11.74% 11.74%

Equity 500 0.50% -9.10% -9.10%

**YTD begins with Jan. 2000
*Projected annual 2001 Fixed Income return is 6.10% to 6.50%
December 2000 Contributions posted to accounts 01/10/2001.

12-31-2000 4th Quarter 3-Year/5-Year Returns
	3-Year	5-Year
Fixed Income	06.32%	06.56%
L/C Short	07.14%	08.56%
L/C Mid	08.75%	11.23%
L/C Long	09.98%	13.65%
Puritan	08.93%	12.74%
Janus	20.25%	20.61%
Mid Cap	20.28%	17.09%
Int Eq	08.45%	12.67%
Small Cp	19.21%	15.44%
Magellan	14.56%	16.28%
Bond Index	N/A	N/A
Equity 500	N/A	N/A

JANUARY, 2000
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.51%	0.51%	6.03%
L/C Short	-1.05%	-1.05%	1.21%
L/C Mid	-2.06%	-2.06%	4.60%
L/C Long	-2.81%	-2.81%	7.17%
Fid Puritan	-2.21%	-2.21%	-0.26%
Janus Fund	-0.54%	-0.54%	34.13%
Eq. Appr	3.20%	3.20%	45.33%
Int'l Eq	-4.47%	-4.47%	25.52%
Small Cap	-3.72%	-3.72%	33.73%
Fid Magellan	-4.81%	-4.81%	12.19%
Bond Index	-0.23%	-0.23%	-1.79%
Equity 500	-5.04%	-5.04%	10.36%
*YTD begins with Jan. 2000 Projected annual 2000 Fixed Income return is 5.70% to 6.20% January 2000 Contributions posted to accounts 2/10/2000.

February, 2000
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.48%	0.99%	6.05%
L/C Short	1.65%	0.57%	5.39%
L/C Mid	1.64%	-0.45%	8.86%
L/C Long	1.37%	-1.48%	11.37%
Fid Puritan	-3.12%	-5.25%	-1.91%
Janus Fund	5.66%	5.09%	49.46%
Eq. Appr	21.25%	25.13%	88.18%
Int'l Eq	9.36%	4.47%	44.28%
Small Cap	22.36%	17.81%	81.69%
Fid Magellan	1.00%	-3.86%	17.05%
Bond Index	1.13%	0.90%	1.16%
Equity 500	-1.94%	-6.89%	11.69%
*YTD begins with Jan. 2000 Projected annual 2000 Fixed Income return is 5.70% to 6.20% February 2000 Contributions posted to accounts 3/10/2000.

March, 2000
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.51%	1.50%	6.03%
L/C Short	1.43%	2.01%	5.76%
L/C Mid	2.69%	2.23%	9.80%
L/C Long	4.35%	2.81%	13.46%
Fid Puritan	5.47%	-0.07%	1.38%
Janus Fund	5.10%	10.44%	45.93%
Eq. Appr	-3.31%	20.99%	70.01%
Int'l Eq	-3.95%	0.34%	38.93%
Small Cap	0.70%	18.64%	63.96%
Fid Magellan	9.06%	4.85%	21.11%
Bond Index	1.33%	2.24%	1.79%
Equity 500	9.79%	2.22%	17.91%
*YTD begins with Jan. 2000 Projected annual 2000 Fixed Income return is 5.70% to 6.20% March 2000 Contributions posted to accounts 4/10/2000.

April, 2000
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.47%	1.97%	6.02%
L/C Short	-0.95%	1.04%	3.65%
L/C Mid	-1.41%	0.80%	6.35%
L/C Long	-2.16%	0.58%	8.33%
Fid Puritan	0.00%	-0.07%	-2.11%
Janus Fund	-5.24%	4.65%	36.64%
Eq. Appr	-8.48%	10.73%	47.27%
Int'l Eq	-8.60%	-8.29%	22.68%
Small Cap	-9.51%	7.36%	45.62%
Fid Magellan	-4.31%	0.33%	13.19%
Bond Index	-0.28%	1.96%	1.28%
Equity 500	-2.98%	-0.82%	10.15%
*YTD begins with Jan. 2000 Projected annual 2000 Fixed Income return is 5.70% to 6.20% April 2000 Contributions posted to accounts 5/10/2000.

May, 2000
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.54%	2.53%	6.11%
L/C Short	-0.29%	0.75%	4.46%
L/C Mid	-0.80%	-0.01%	6.98%
L/C Long	-1.33%	-0.75%	8.92%
Fid Puritan	0.69%	0.62%	1.63%
Janus Fund	-6.49%	-2.13%	30.04%
Eq. Appr	-7.05%	2.92%	39.99%
Int'l Eq	-2.76%	-10.82%	24.55%
Small Cap	-7.58%	-0.79%	40.68%
Fid Magellan	-3.36%	-3.04%	12.62%
Bond Index	-0.06%	1.90%	2.13%
Equity 500	-2.06%	-2.85%	10.47%
*YTD begins with Jan. 2000 Projected annual 2000 Fixed Income return is 5.70% to 6.20% May 2000 Contributions posted to accounts 6/12/2000.

June, 2000
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.49%	3.02%	6.07%
L/C Short	1.82%	2.59%	5.42%
L/C Mid	2.07%	2.05%	7.12%
L/C Long	2.32%	1.55%	8.10%
Fid Puritan	-0.11%	0.51%	-1.29%
Janus Fund	5.29%	3.04%	26.90%
Eq. Appr	12.99%	16.28%	48.15%
Int'l Eq	4.07%	-7.19%	23.37%
Small Cap	10.37%	9.50%	41.23%
Fid Magellan	3.86%	0.70%	9.81%
Bond Index	2.10%	4.04%	N/A
Equity 500	2.46%	-0.48%	N/A
*YTD begins with Jan. 2000 Projected annual 2000 Fixed Income return is 5.70% to 6.20% June 2000 Contributions posted to accounts 7/10/2000.

July, 2000
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.50%	3.54%	6.09%
L/C Short	0.29	2.89%	6.77%
L/C Mid	-0.19%	1.86%	8.42%
L/C Long	-0.57%	0.97%	9.89%
Fid Puritan	0.42%	0.93%	1.34%
Janus Fund	-2.36%	0.61%	27.30%
Eq. Appr	-1.94%	14.02%	50.51%
Int'l Eq	-3.03%	-10.01%	17.14%
Small Cap	-8.53%	0.17%	30.70%
Fid Magellan	-1.24%	-0.55%	12.23%
Bond Index	0.86%	4.92%	5.85%
Equity 500	-1.58%	-2.03%	8.95%
*YTD begins with Jan. 2000 Projected annual 2000 Fixed Income return is 5.70% to 6.20% July 2000 Contributions posted to accounts 8/10/2000.

August, 2000
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.50%	4.06%	6.09%
L/C Short	1.54	4.48%	8.42%
L/C Mid	2.55%	4.46%	10.99%
L/C Long	3.70%	4.70%	13.77%
Fid Puritan	3.38%	4.35%	6.40%
Janus Fund	9.32%	9.99%	40.24%
Mid-Cap	10.13%	25.58%	62.83%
Int'l Eq	2.09%	-8.13%	20.76%
Small Cap	11.18%	11.36%	44.57%
Fid Magellan	6.39%	5.81%	20.90%
Bond Index	1.45%	6.44%	7.39%
Equity 500	6.21%	4.05%	16.28%
*YTD begins with Jan. 2000 Projected annual 2000 Fixed Income return is 5.70% to 6.20% August 2000 Contributions posted to accounts 9/10/2000.

September, 2000
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.48%	4.56%	6.10%
L/C Short	-0.67%	3.78%	7.49%
L/C Mid	-1.94%	2.44%	9.25%
L/C Long	-3.33%	1.21%	11.22%
Fid Puritan	0.55%	4.92%	8.99%
Janus Fund	-5.63%	3.79%	29.86%
Mid-Cap	-5.54%	18.24%	53.65%
Int'l Eq	-7.46%	-14.98%	12.27%
Small Cap	0.00%	11.36%	41.59%
Fid Magellan	-5.39%	0.11%	16.10%
Bond Index	0.66%	7.16%	7.02%
Equity 500	-5.26%	-1.42%	13.29%
*YTD begins with Jan. 2000 Projected annual 2000 Fixed Income return is 5.70% to 6.20% September 2000 Contributions posted to accounts 10/10/2000.

October, 2000
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.53%	5.12%	6.18%
L/C Short	0.19%	3.98%	6.74%
L/C Mid	0.00%	2.44%	7.11%
L/C Long	-0.16%	1.05%	7.38%
Fid Puritan	1.48%	6.48%	8.39%
Janus Fund	-3.76%	-0.11%	15.60%
Mid-Cap	-10.42%	6.27%	31.95%
Int'l Eq	-6.03%	-20.11%	0.83%
Small Cap	-2.11%	9.01%	34.78%
Fid Magellan	-1.79%	1.68%	7.56%
Bond Index	0.67%	7.86%	7.36%
Equity 500	-0.41%	-1.83%	6.10%
*YTD begins with Jan. 2000 Projected annual 2000 Fixed Income return is 5.70% to 6.20% October 2000 Contributions posted to accounts 11/10/2000.

November, 2000
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.48%	5.63%	6.15%
L/C Short	-0.29%	3.68%	5.92%
L/C Mid	-2.18%	0.21%	3.91%
L/C Long	-4.29%	-3.28%	1.59%
Fid Puritan	-2.19%	4.14%	5.79%
Janus Fund	-13.77%	-13.87%	-4.26%
Mid-Cap	-14.17%	-8.79%	5.27%
Int'l Eq	-4.46%	-23.68%	-11.75%
Small Cap	-11.98%	-4.05%	7.75%
Fid Magellan	-8.51%	-10.05%	-3.57%
Bond Index	1.65%	9.64%	9.08%
Equity 500	-7.86%	-9.54%	-4.18%
*YTD begins with Jan. 2000 Projected annual 2001 Fixed Income return is 6.10% to 6.50% November 2000 Contributions posted to accounts 12/11/2000.

December, 2000
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.45%	6.11%	6.11%
L/C Short	1.16%	4.89%	4.89%
L/C Mid	0.95%	1.17%	1.17%
L/C Long	0.83%	-2.48%	-2.48%
Fid Puritan	3.49%	7.77%	7.77%
Janus Fund	-1.21%	-14.91%	-14.91%
Mid-Cap	8.20%	-1.31%	-1.31%
Int'l Eq	4.60%	-20.16%	-20.16%
Small Cap	14.93%	10.28%	10.28%
Fid Magellan	0.84%	-9.29%	-9.29%
Bond Index	1.88%	11.74%	11.74%
Equity 500	0.50%	-9.10%	-9.10%
*YTD begins with Jan. 2000 Projected annual 2001 Fixed Income return is 6.10% to 6.50% December 2000 Contributions posted to accounts 01/10/2001.