SIPEarn_2001

SIP Fund Earnings-2001

Last Posted 1/16/02

12-31-01 4th Quarter 3-Year/5-Year Returns

3-Year 5-Year

Fixed Income 06.06% 06.33%

Bond Index N/A N/A

L/C Short 03.65% 07.54%

L/C Mid 2.90% 8.62%

L/C Long 1.46% 9.24%

Puritan 3.13% 9.37%

Equity 500 N/A N/A

Magellan - 0.20% 10.95%

Janus - 2.56% 9.53%

Mid Cap 8.64 11.77%

Int Eq -7.65% 2.23%

Small Cap 13.43% 11.88%

Russell 1000 N/A N/A

Russell 2000 N/A N/A

JANUARY, 2001

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

Fixed Income* 0.55% 0.55% 6.15%

Bond Index 1.59% 1.59% 13.73%

L/C Short 1.57% 1.57% 7.68%

L/C Mid 2.26% 2.26% 5.62%

L/C Long 2.79% 2.79% 3.13%

Fid Puritan 1.06% 1.06% 11.38%

Equity 500 3.52% 3.52% -0.90%

Fid Magellan 3.25% 3.25% -1.61%

Janus Fund 8.14% 8.14% -7.48%

Mid Cap 2.26% 2.26% -2.21%

Int'l Eq -0.43% -0.43% -16.79%

Small Cap 3.16% 3.16% 18.15%

**YTD begins with Jan. 2001
*Projected annual 2001 Fixed Income return is 6.10% to 6.50%
January 2001 Contributions posted to accounts 2/10/2001.

February, 2001

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

Fixed Income* 0.47% 1.02% 6.15%

Bond Index 0.86% 2.47% 13.44%

L/C Short -1.26% 0.30% 4.60%

L/C Mid - 3.36% - 1.18% 0.42%

L/C Long - 5.68% - 3.05% - 4.04%

Fid Puritan - 1.52% - 0.48% 13.21%

Equity 500 - 9.12% - 5.92% - 8.16%

Fid Magellan - 9.37% - 6.42% -11.71%

Janus Fund -17.36% -10.63% -27.64%

Mid Cap -11.20% - 9.19% -28.37%

Int'l Eq - 6.94% - 7.35% -29.20%

Small Cap - 7.29% - 4.36% 10.48%

**YTD begins with Jan. 2001
*Projected annual 2001 Fixed Income return is 6.10% to 6.50%
February 2001 Contributions posted to accounts 3/12/2001.

March, 2001

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

Fixed Income* 0.51% 1.54% 6.15%

Bond Index 0.49% 2.98% 12.51%

L/C Short - 0.59% - 0.30% 2.52%

L/C Mid - 2.09% - 3.24% - 4.25%

L/C Long - 3.60% - 6.54% - 11.35%

Fid Puritan - 2.86% - 3.32% 4.27%

Equity 500 - 6.33% - 11.88% - 21.65%

Fid Magellan - 6.40% - 12.41% - 24.22%

Janus Fund - 8.27% - 18.02% - 36.84%

Mid Cap - 9.88% - 18.16% - 33.24%

Int'l Eq - 6.52% - 13.39% - 31.09%

Small Cap - 7.53% - 11.56% - 17.79%

**YTD begins with Jan. 2001
*Projected annual 2001 Fixed Income return is 6.10% to 6.50%
March 2001 Contributions posted to accounts 4/10/2001.

April, 2001

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

Fixed Income* 0.52% 2.06% 6.20%

Bond Index -0.43% 2.54% 12.33%

L/C Short 0.80% 0.50% 4.32%

L/C Mid 2.35% - 0.97% - 0.60%

L/C Long 4.22% - 2.60% - 5.56%

Fid Puritan 3.71% 0.26% 8.14%

Equity 500 7.79% - 5.03% - 12.99%

Fid Magellan 8.76% - 4.74% - 13.87%

Janus Fund 13.05% - 7.33% - 24.65%

Mid Cap 15.03% - 5.87% - 16.10%

Int'l Eq 3.83% - 10.08% - 21.72%

Small Cap 10.09% - 2.64% 0.01%

**YTD begins with Jan. 2001
*Projected annual 2001 Fixed Income return is 6.10% to 6.50%
April 2001 Contributions posted to accounts 5/10/2001.

May, 2001

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

Fixed Income* 0.51% 2.58% 6.16%

Bond Index 0.60% 3.15% 13.07%

L/C Short 0.49% 0.99% 5.14%

L/C Mid 0.40% - 0.57% 0.60%

L/C Long 0.36% - 2.25% - 3.95%

Fid Puritan 1.92% 2.19% 9.46%

Equity 500 0.68% - 4.37% - 10.52%

Fid Magellan 1.04% - 3.74% - 9.95%

Janus Fund - 0.45% - 7.75% - 19.79%

Mid Cap - 0.23% - 6.08% - 9.94%

Int'l Eq - 2.20% - 12.05% - 21.26%

Small Cap 0.49% - 2.16% 8.75%

**YTD begins with Jan. 2001
*Projected annual 2001 Fixed Income return is 6.10% to 6.50%
May 2001 Contributions posted to accounts 6/11/2001.

June, 2001

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

Fixed Income* 0.46% 3.06% 6.14%

Bond Index 0.38% 3.54% 11.18%

L/C Short 0.00% 0.99% 3.26%

L/C Mid - 0.50% - 1.07% - 1.93%

L/C Long - 1.16% - 3.39% - 7.22%

Fid Puritan - 1.95% 0.20% 7.44%

Russell 1000 N/A N/A N/A

Equity 500 - 2.44% - 6.12% - 15.43%

Fid Magellan - 2.47% - 6.12% - 15.43%

Janus Fund - 4.92% - 12.29% - 27.57%

Mid Cap - 0.23% - 6.29% - 20.47%

Russell 2000 N/A N/A N/A

Int'l Eq - 3.10% - 14.78% - 26.69%

Small Cap 2.66% 0.44% 1.15%

**YTD begins with Jan. 2001
*Projected annual 2001 Fixed Income return is 6.10% to 6.50%
June 2001 Contributions posted to accounts 7/10/2001.

July, 2001

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

Fixed Income* 0.50% 3.58% 6.14%

Bond Index 2.23% 5.89% 12.74%

L/C Short 1.19% 2.19% 4.18%

L/C Mid 0.80% - 0.27% - 0.95%

L/C Long 0.27% - 3.13% - 6.43%

Fid Puritan 0.54% 0.73% 7.56%

Russell 1000 - 0.21 N/A N/A

Equity 500 - 0.98% - 7.61% - 14.27%

Fid Magellan - 1.53% - 7.55% - 15.68%

Janus Fund - 5.99% - 17.54% - 30.27%

Mid Cap - 4.15% - 10.18% - 22.26%

Russell 2000 - 2.75 N/A N/A

Int'l Eq - 2.41% - 16.83% - 26.23%

Small Cap - 4.38% - 3.96% 5.73%

**YTD begins with Jan. 2001
*Projected annual 2001 Fixed Income return is 6.10% to 6.50%
July 2001 Contributions posted to accounts 8/13/2001.

August, 2001

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

Fixed Income* 0.48% 4.07% 6.12%

Bond Index 1.15% 7.07% 12.36%

L/C Short -0.10% 2.09% 2.50%

L/C Mid -1.50% - 1.77% - 4.87%

L/C Long -2.82% - 5.86% - 12.32%

Fid Puritan -2.51% -1.80% 1.43%

Russell 1000 - 4.03% N/A N/A

Equity 500 - 6.26% - 13.39% - 24.37%

Fid Magellan - 6.48% - 13.54% - 25.88%

Janus Fund - 9.03% - 24.99% - 41.97%

Mid Cap - 2.99% - 12.86% - 31.52%

Russell 2000 - 0.75 N/A N/A

Int'l Eq - 3.37% - 19.64% - 30.16%

Small Cap - 3.46% - 7.28% - 8.19%

**YTD begins with Jan. 2001
*Projected annual 2001 Fixed Income return is 6.10% to 6.50%
"August 2001 Contributions posted to accounts 9/10/2001.

September, 2001

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

Fixed Income* 0.43% 4.51% 6.06%

Bond Index 1.19% 8.34% 12.95%

L/C Short -0.69% 1.39% 2.47%

L/C Mid -2.54% - 4.24% - 5.41%

L/C Long -4.49% - 10.09% - 13.37%

Fid Puritan -4.91% -6.62% - 4.08%

Russell 1000 - 7.08% N/A N/A

Equity 500 - 8.09% - 20.40% - 26.60%

Fid Magellan - 8.08% - 20.53% - 28.00%

Janus Fund - 13.26% - 34.94% - 46.66%

Mid Cap - 13.30% - 24.45% - 37.15%

Russell 2000 - 11.19% N/A N/A

Int'l Eq - 13.13% - 30.19% - 34.44%

Small Cap - 14.80% - 21.00% - 21.77%

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

October, 2001

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

Fixed Income* 0.50% 5.04% 6.03%

Bond Index 2.13% 10.64% 14.58%

L/C Short 1.50% 2.91% 3.81%

L/C Mid 1.68% - 2.65% - 3.86%

L/C Long 1.97% - 8.32% - 11.52%

Fid Puritan 1.48 -5.23% - 4.08%

Russell 1000 - 0.82% N/A N/A

Equity 500 1.91% - 18.88% - 24.89%

Fid Magellan 2.73% - 18.65% - 24.95%

Janus Fund 2.08% - 33.58% - 43.42%

Mid Cap 5.43% - 20.35% - 26.03%

Russell 2000 2.47% N/A N/A

Int'l Eq 2.66% - 28.33% - 28.38%

Small Cap 3.44% - 18.28% - 17.33%

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

November, 2001

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

Fixed Income* 0.45% 5.51% 5.99%

Bond Index - 1.38% 9.15% 11.20%

L/C Short 0.39% 3.31% 4.52%

L/C Mid 2.07% - 0.64% 0.31%

L/C Long 3.48% - 5.13% - 4.34%

Fid Puritan 3.45% -1.97% 1.45%

Russell 1000 5.82% N/A N/A

Equity 500 7.67% - 12.66% - 12.23%

Fid Magellan 7.48% - 12.56% - 11.83%

Janus Fund 10.49% - 26.61% - 27.50%

Mid Cap 5.77% - 15.76% - 8.85

Russell 2000 6.82% N/A N/A

Int'l Eq 1.82% - 27.02% - 23.67%

Small Cap 7.00% - 12.56% 0.49%

**YTD begins with Jan. 2001
*Projected annual 2001 Fixed Income return is 6.10% to 6.50%
November 2001 Contributions posted to accounts 12/10/2001.

December, 2001

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

Fixed Income* 0.45% 5.99% 5.99%

Bond Index - 0.66% 8.38% 8.38%

L/C Short - 0.49% 2.81% 2.81%

L/C Mid - 0.20% - 0.84% - 0.84%

L/C Long 0.18% - 4.95% - 4.95%

Fid Puritan 0.93% -1.05% -1.05%

Russell 1000 2.33% N/A N/A

Equity 500 0.87% - 11.90% - 11.90%

Fid Magellan 1.04% - 11.65% - 11.65%

Janus Fund 0.70% - 26.10% - 26.10%

Mid Cap 3.10% - 13.14% - 13.14

Russell 2000 5.94% N/A N/A

Int'l Eq 2.24% - 25.39% - 25.39%

Small Cap 4.57% - 8.56% - 8.56%

**YTD begins with Jan. 2001
*Projected annual 2001 Fixed Income return is 6.10% to 6.50%
December 2001 Contributions posted to accounts 1/10/2002.

12-31-01 4th Quarter 3-Year/5-Year Returns
	3-Year	5-Year
Fixed Income	06.06%	06.33%
Bond Index	N/A	N/A
L/C Short	03.65%	07.54%
L/C Mid	2.90%	8.62%
L/C Long	1.46%	9.24%
Puritan	3.13%	9.37%
Equity 500	N/A	N/A
Magellan	- 0.20%	10.95%
Janus	- 2.56%	9.53%
Mid Cap	8.64	11.77%
Int Eq	-7.65%	2.23%
Small Cap	13.43%	11.88%
Russell 1000	N/A	N/A
Russell 2000	N/A	N/A

JANUARY, 2001
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.55%	0.55%	6.15%
Bond Index	1.59%	1.59%	13.73%
L/C Short	1.57%	1.57%	7.68%
L/C Mid	2.26%	2.26%	5.62%
L/C Long	2.79%	2.79%	3.13%
Fid Puritan	1.06%	1.06%	11.38%
Equity 500	3.52%	3.52%	-0.90%
Fid Magellan	3.25%	3.25%	-1.61%
Janus Fund	8.14%	8.14%	-7.48%
Mid Cap	2.26%	2.26%	-2.21%
Int'l Eq	-0.43%	-0.43%	-16.79%
Small Cap	3.16%	3.16%	18.15%
*YTD begins with Jan. 2001 Projected annual 2001 Fixed Income return is 6.10% to 6.50% January 2001 Contributions posted to accounts 2/10/2001.

February, 2001
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.47%	1.02%	6.15%
Bond Index	0.86%	2.47%	13.44%
L/C Short	-1.26%	0.30%	4.60%
L/C Mid	- 3.36%	- 1.18%	0.42%
L/C Long	- 5.68%	- 3.05%	- 4.04%
Fid Puritan	- 1.52%	- 0.48%	13.21%
Equity 500	- 9.12%	- 5.92%	- 8.16%
Fid Magellan	- 9.37%	- 6.42%	-11.71%
Janus Fund	-17.36%	-10.63%	-27.64%
Mid Cap	-11.20%	- 9.19%	-28.37%
Int'l Eq	- 6.94%	- 7.35%	-29.20%
Small Cap	- 7.29%	- 4.36%	10.48%
*YTD begins with Jan. 2001 Projected annual 2001 Fixed Income return is 6.10% to 6.50% February 2001 Contributions posted to accounts 3/12/2001.

March, 2001
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.51%	1.54%	6.15%
Bond Index	0.49%	2.98%	12.51%
L/C Short	- 0.59%	- 0.30%	2.52%
L/C Mid	- 2.09%	- 3.24%	- 4.25%
L/C Long	- 3.60%	- 6.54%	- 11.35%
Fid Puritan	- 2.86%	- 3.32%	4.27%
Equity 500	- 6.33%	- 11.88%	- 21.65%
Fid Magellan	- 6.40%	- 12.41%	- 24.22%
Janus Fund	- 8.27%	- 18.02%	- 36.84%
Mid Cap	- 9.88%	- 18.16%	- 33.24%
Int'l Eq	- 6.52%	- 13.39%	- 31.09%
Small Cap	- 7.53%	- 11.56%	- 17.79%
*YTD begins with Jan. 2001 Projected annual 2001 Fixed Income return is 6.10% to 6.50% March 2001 Contributions posted to accounts 4/10/2001.

April, 2001
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.52%	2.06%	6.20%
Bond Index	-0.43%	2.54%	12.33%
L/C Short	0.80%	0.50%	4.32%
L/C Mid	2.35%	- 0.97%	- 0.60%
L/C Long	4.22%	- 2.60%	- 5.56%
Fid Puritan	3.71%	0.26%	8.14%
Equity 500	7.79%	- 5.03%	- 12.99%
Fid Magellan	8.76%	- 4.74%	- 13.87%
Janus Fund	13.05%	- 7.33%	- 24.65%
Mid Cap	15.03%	- 5.87%	- 16.10%
Int'l Eq	3.83%	- 10.08%	- 21.72%
Small Cap	10.09%	- 2.64%	0.01%
*YTD begins with Jan. 2001 Projected annual 2001 Fixed Income return is 6.10% to 6.50% April 2001 Contributions posted to accounts 5/10/2001.

May, 2001
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.51%	2.58%	6.16%
Bond Index	0.60%	3.15%	13.07%
L/C Short	0.49%	0.99%	5.14%
L/C Mid	0.40%	- 0.57%	0.60%
L/C Long	0.36%	- 2.25%	- 3.95%
Fid Puritan	1.92%	2.19%	9.46%
Equity 500	0.68%	- 4.37%	- 10.52%
Fid Magellan	1.04%	- 3.74%	- 9.95%
Janus Fund	- 0.45%	- 7.75%	- 19.79%
Mid Cap	- 0.23%	- 6.08%	- 9.94%
Int'l Eq	- 2.20%	- 12.05%	- 21.26%
Small Cap	0.49%	- 2.16%	8.75%
*YTD begins with Jan. 2001 Projected annual 2001 Fixed Income return is 6.10% to 6.50% May 2001 Contributions posted to accounts 6/11/2001.

June, 2001
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.46%	3.06%	6.14%
Bond Index	0.38%	3.54%	11.18%
L/C Short	0.00%	0.99%	3.26%
L/C Mid	- 0.50%	- 1.07%	- 1.93%
L/C Long	- 1.16%	- 3.39%	- 7.22%
Fid Puritan	- 1.95%	0.20%	7.44%
Russell 1000	N/A	N/A	N/A
Equity 500	- 2.44%	- 6.12%	- 15.43%
Fid Magellan	- 2.47%	- 6.12%	- 15.43%
Janus Fund	- 4.92%	- 12.29%	- 27.57%
Mid Cap	- 0.23%	- 6.29%	- 20.47%
Russell 2000	N/A	N/A	N/A
Int'l Eq	- 3.10%	- 14.78%	- 26.69%
Small Cap	2.66%	0.44%	1.15%
*YTD begins with Jan. 2001 Projected annual 2001 Fixed Income return is 6.10% to 6.50% June 2001 Contributions posted to accounts 7/10/2001.

July, 2001
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.50%	3.58%	6.14%
Bond Index	2.23%	5.89%	12.74%
L/C Short	1.19%	2.19%	4.18%
L/C Mid	0.80%	- 0.27%	- 0.95%
L/C Long	0.27%	- 3.13%	- 6.43%
Fid Puritan	0.54%	0.73%	7.56%
Russell 1000	- 0.21	N/A	N/A
Equity 500	- 0.98%	- 7.61%	- 14.27%
Fid Magellan	- 1.53%	- 7.55%	- 15.68%
Janus Fund	- 5.99%	- 17.54%	- 30.27%
Mid Cap	- 4.15%	- 10.18%	- 22.26%
Russell 2000	- 2.75	N/A	N/A
Int'l Eq	- 2.41%	- 16.83%	- 26.23%
Small Cap	- 4.38%	- 3.96%	5.73%
*YTD begins with Jan. 2001 Projected annual 2001 Fixed Income return is 6.10% to 6.50% July 2001 Contributions posted to accounts 8/13/2001.

August, 2001
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.48%	4.07%	6.12%
Bond Index	1.15%	7.07%	12.36%
L/C Short	-0.10%	2.09%	2.50%
L/C Mid	-1.50%	- 1.77%	- 4.87%
L/C Long	-2.82%	- 5.86%	- 12.32%
Fid Puritan	-2.51%	-1.80%	1.43%
Russell 1000	- 4.03%	N/A	N/A
Equity 500	- 6.26%	- 13.39%	- 24.37%
Fid Magellan	- 6.48%	- 13.54%	- 25.88%
Janus Fund	- 9.03%	- 24.99%	- 41.97%
Mid Cap	- 2.99%	- 12.86%	- 31.52%
Russell 2000	- 0.75	N/A	N/A
Int'l Eq	- 3.37%	- 19.64%	- 30.16%
Small Cap	- 3.46%	- 7.28%	- 8.19%
*YTD begins with Jan. 2001 Projected annual 2001 Fixed Income return is 6.10% to 6.50% "August 2001 Contributions posted to accounts 9/10/2001.

September, 2001
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.43%	4.51%	6.06%
Bond Index	1.19%	8.34%	12.95%
L/C Short	-0.69%	1.39%	2.47%
L/C Mid	-2.54%	- 4.24%	- 5.41%
L/C Long	-4.49%	- 10.09%	- 13.37%
Fid Puritan	-4.91%	-6.62%	- 4.08%
Russell 1000	- 7.08%	N/A	N/A
Equity 500	- 8.09%	- 20.40%	- 26.60%
Fid Magellan	- 8.08%	- 20.53%	- 28.00%
Janus Fund	- 13.26%	- 34.94%	- 46.66%
Mid Cap	- 13.30%	- 24.45%	- 37.15%
Russell 2000	- 11.19%	N/A	N/A
Int'l Eq	- 13.13%	- 30.19%	- 34.44%
Small Cap	- 14.80%	- 21.00%	- 21.77%
*YTD begins with Jan. 2001 Projected annual 2001 Fixed Income return is 6.10% to 6.50% "September 2001 Contributions posted to accounts 10/10/2001.

October, 2001
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.50%	5.04%	6.03%
Bond Index	2.13%	10.64%	14.58%
L/C Short	1.50%	2.91%	3.81%
L/C Mid	1.68%	- 2.65%	- 3.86%
L/C Long	1.97%	- 8.32%	- 11.52%
Fid Puritan	1.48	-5.23%	- 4.08%
Russell 1000	- 0.82%	N/A	N/A
Equity 500	1.91%	- 18.88%	- 24.89%
Fid Magellan	2.73%	- 18.65%	- 24.95%
Janus Fund	2.08%	- 33.58%	- 43.42%
Mid Cap	5.43%	- 20.35%	- 26.03%
Russell 2000	2.47%	N/A	N/A
Int'l Eq	2.66%	- 28.33%	- 28.38%
Small Cap	3.44%	- 18.28%	- 17.33%
*YTD begins with Jan. 2001 Projected annual 2001 Fixed Income return is 6.10% to 6.50% October 2001 Contributions posted to accounts 11/12/2001.

November, 2001
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.45%	5.51%	5.99%
Bond Index	- 1.38%	9.15%	11.20%
L/C Short	0.39%	3.31%	4.52%
L/C Mid	2.07%	- 0.64%	0.31%
L/C Long	3.48%	- 5.13%	- 4.34%
Fid Puritan	3.45%	-1.97%	1.45%
Russell 1000	5.82%	N/A	N/A
Equity 500	7.67%	- 12.66%	- 12.23%
Fid Magellan	7.48%	- 12.56%	- 11.83%
Janus Fund	10.49%	- 26.61%	- 27.50%
Mid Cap	5.77%	- 15.76%	- 8.85
Russell 2000	6.82%	N/A	N/A
Int'l Eq	1.82%	- 27.02%	- 23.67%
Small Cap	7.00%	- 12.56%	0.49%
*YTD begins with Jan. 2001 Projected annual 2001 Fixed Income return is 6.10% to 6.50% November 2001 Contributions posted to accounts 12/10/2001.

December, 2001
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.45%	5.99%	5.99%
Bond Index	- 0.66%	8.38%	8.38%
L/C Short	- 0.49%	2.81%	2.81%
L/C Mid	- 0.20%	- 0.84%	- 0.84%
L/C Long	0.18%	- 4.95%	- 4.95%
Fid Puritan	0.93%	-1.05%	-1.05%
Russell 1000	2.33%	N/A	N/A
Equity 500	0.87%	- 11.90%	- 11.90%
Fid Magellan	1.04%	- 11.65%	- 11.65%
Janus Fund	0.70%	- 26.10%	- 26.10%
Mid Cap	3.10%	- 13.14%	- 13.14
Russell 2000	5.94%	N/A	N/A
Int'l Eq	2.24%	- 25.39%	- 25.39%
Small Cap	4.57%	- 8.56%	- 8.56%
*YTD begins with Jan. 2001 Projected annual 2001 Fixed Income return is 6.10% to 6.50% December 2001 Contributions posted to accounts 1/10/2002.