SIPEarn

SIP Fund Earnings-1999

Last Posted 1-17-2000

12-31-99 4th Quarter 3-Year/5-Year Returns

3-Year 5-Year

Fixed Income 06.49% 06.75%

BT L/C Short 10.07% 10.47%

BT L/C Mid 14.65% 14.82%

BT L/C Long 18.85% 19.05%

Puritan 13.63% 15.46%

Janus 35.86% 31.16%

BT Eq Appr 26.72% 25.14%

BT Int Eq 23.31% 21.44%

BT Small Cp 20.25% 24.13%

Magellan 28.02% 26.24%

Bond Index N/A N/A

Equity 500 27.63% N/A%

JANUARY, 1999

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

Fixed Income* 00.47% 00.47% 06.54%

BT L/C Short 00.96% 00.96% 13.19%

BT L/C Mid 01.71% 01.71% 17.62%

BT L/C Long 02.18% 02.18% 22.26%

Fid Puritan 00.85% 00.85% 16.56%

Janus Fund 09.09% 09.09% 47.61%

Bt Eq. Appr 06.31% 06.31% 29.00%

Bt Int'l Eq 00.62% 00.62% 17.76%

Bt Small Cap 03.96% 03.96% 10.96%

Fid Magellan 05.25% 05.25% 39.13%

**YTD begins with Jan. 1999
*Projected annual 1999 Fixed Income return is 5.80% to 6.20%

February, 1999

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

Fixed Income* 00.45% 00.93% 06.48%

BT L/C Short -2.39% -1.45% 08.41%

BT L/C Mid -2.33% -0.66% 11.17%

BT L/C Long -2.45% -0.32% 13.71%

Fid Puritan -1.48% -0.65% 10.54%

Janus Fund -5.18% 03.45% 29.34%

Bt Eq. Appr -6.36% -0.45% 11.46%

Bt Int'l Eq -4.85% -4.26% 05.14%

Bt Small Cap -9.94% -6.14% -7.83%

Fid Magellan -3.19% 01.89% 25.20%

**YTD begins with Jan. 1999
*Projected annual 1999 Fixed Income return is 5.80% to 6.20%

March, 1999

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

Fixed Income* 00.53% 01.46% 06.45%

BT L/C Short 01.07% -0.39% 07.76%

BT L/C Mid 01.81% 01.13% 10.12%

BT L/C Long 02.43% 02.09% 12.44%

Fid Puritan 02.05% 01.38% 09.38%

Janus Fund 07.64% 11.35% 35.07%

Bt Eq. Appr 07.02% 06.53% 11.77%

Bt Int'l Eq -0.26% -4.51% -3.40%

Bt Small Cap 11.59% 04.74% -1.37%

Fid Magellan 05.40% 07.39% 25.63%

**YTD begins with Jan. 1999
*Projected annual 1999 Fixed Income return is 5.80% to 6.20%

April, 1999

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

Fixed Income* 00.48% 01.95% 06.40%

BT L/C Short 01.08% 00.68% 08.02%

BT L/C Mid 01.79% 02.95% 11.10%

BT L/C Long 02.47% 04.61% 14.03%

Fid Puritan 03.57% 05.00% 12.64%

Janus Fund 01.20% 12.69% 33.28%

Bt Eq. Appr 05.65% 12.56% 16.91%

Bt Int'l Eq 03.51% -1.16% -2.73%

Bt Small Cap 01.89% 06.72% -0.10%

Fid Magellan 02.39% 09.96% 27.17%

**YTD begins with Jan. 1999
*Projected annual 1999 Fixed Income return is 5.80% to 6.20%
April Contributions posted to accounts 05-10-99.

May, 1999

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

Fixed Income* 00.45% 02.41% 06.34%

BT L/C Short -1.06% -0.39% 05.99%

BT L/C Mid -1.39% 01.52% 09.21%

BT L/C Long -1.86% 02.66% 12.21%

Fid Puritan -3.01% 01.84% 09.40%

Janus Fund -1.74% 10.73% 34.17%

Bt Eq. Appr -2.22% 10.06% 19.37%

Bt Int'l Eq -4.23% -5.34% -7.63%

Bt Small Cap -4.34% 02.08% 05.29%

Fid Magellan -2.87% 06.80% 26.01%

**YTD begins with Jan. 1999
*Projected annual 1999 Fixed Income return is 5.80% to 6.20%
May, 1999 Contributions posted to accounts 06-10-99.

June, 1999

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

Fixed Income* 0.53% 2.95% 06.29%

BT L/C Short 0.89% 0.50% 5.62%

BT L/C Mid 1.94% 3.48% 9.20%

BT L/C Long 3.09% 5.84% 12.86%

Fid Puritan 2.84% 4.73% 10.17%

Janus Fund 7.89% 19.47% 36.56%

Bt Eq. Appr 6.76% 17.50% 19.79%

Bt Int'l Eq 5.07% -0.54% -2.76%

Bt Small Cap 9.94% 12.23% 9.21%

Fid Magellan 6.52% 13.76% 28.74%

**YTD begins with Jan. 1999
*Projected annual 1999 Fixed Income return is 5.80% to 6.20%
June, 1999 Contributions posted to accounts 07-12-99.

July, 1999

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

Fixed Income* 0.48% 03.44% 06.20%

BT L/C Short -0.98% -0.48% 04.58%

BT L/C Mid -1.39% 02.04% 07.94%

BT L/C Long -2.19% 03.52% 10.99%

Fid Puritan -2.18% 02.45% 08.03%

Janus Fund -2.66% 16.29% 32.66%

Bt Eq. Appr -3.48% 13.41% 22.70%

Bt Int'l Eq 02.12% 01.57% -3.19%

Bt Small Cap -1.16% 10.93% 19.94%

Fid Magellan -3.37% 09.93% 25.34%

Bond Index -0.32% -1.74% 02.62%

Equity 500 -3.12% 08.85% 20.19%

**YTD begins with Jan. 1999
*Projected annual 1999 Fixed Income return is 5.80% to 6.20%
July, 1999 Contributions posted to accounts 08-10-99.

August, 1999

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

Fixed Income* 0.51% 03.97% 06.16%

BT L/C Short 0.00% -0.48% 06.12%

BT L/C Mid 0.19% 02.24% 13.55%

BT L/C Long 0.16% 03.69% 20.84%

Fid Puritan -1.53% 00.88% 17.95%

Janus Fund -0.77% 15.39% 58.61%

Bt Eq. Appr 1.80% 15.45% 60.49%

Bt Int'l Eq -0.98% 0.58% 12.44%

Bt Small Cap 0.52% 11.50% 59.72%

Fid Magellan -1.24% 08.57% 46.47%

Bond Index 0.00% -1.70% 00.88%

Equity 500 -0.49% 08.33% 39.94%

**YTD begins with Jan. 1999
*Projected annual 1999 Fixed Income return is 5.80% to 6.20%
August, 1999 Contributions posted to accounts 09-10-99.

September, 1999

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

Fixed Income* 0.47% 04.46% 06.10%

BT L/C Short 0.20% -0.29% 03.37%

BT L/C Mid -0.38% 01.85% 09.31%

BT L/C Long -1.12% 02.53% 14.55%

Fid Puritan -1.84% -0.98% 11.61%

Janus Fund 01.91% 17.59% 51.04%

Bt Eq. Appr -1.08% 14.20% 44.33%

Bt Int'l Eq -0.45% 0.12% 17.35%

Bt Small Cap 02.10% 13.85% 46.52%

Fid Magellan -1.48% 06.96% 36.08%

Bond Index 01.01% -0.71% -0.39%

Equity 500 -2.76% 05.34% 27.88%

**YTD begins with Jan. 1999
*Projected annual 1999 Fixed Income return is 5.80% to 6.20%
September, 1999 Contributions posted to accounts 10-11-99.

October, 1999

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

Fixed Income* 0.46% 04.94% 06.03%

BT L/C Short 0.89% 0.60% 03.08%

BT L/C Mid 01.99% 03.88% 08.75%

BT L/C Long 03.40% 06.02% 13.40%

Fid Puritan 02.04% 01.04% 08.56%

Janus Fund 08.11% 27.13% 56.75%

Bt Eq. Appr 05.57% 20.57% 48.14%

Bt Int'l Eq 04.63% 04.76% 15.41%

Bt Small Cap 02.83% 17.07% 47.33%

Fid Magellan 06.01% 13.39% 33.94%

Bond Index 00.31% -0.39% 00.53%

Equity 500 06.33% 12.02% 25.65%

**YTD begins with Jan. 1999
*Projected annual 1999 Fixed Income return is 5.80% to 6.20%
October, 1999 Contributions posted to accounts 11-10-99.

November, 1999

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

Fixed Income* 0.51% 05.47% 06.01%

BT L/C Short 00.49% 01.10% 02.22%

BT L/C Mid 00.84% 04.75% 07.03%

BT L/C Long 01.18% 07.27% 10.84%

Fid Puritan 00.21% 01.26% 04.71%

Janus Fund 04.11% 32.36% 52.97%

Bt Eq. Appr 07.59% 29.72% 49.40%

Bt Int'l Eq 09.16% 14.35% 19.21%

Bt Small Cap 10.09% 28.89% 47.73%

Fid Magellan 02.05% 15.71% 26.84%

Bond Index 00.05% -0.36% -0.13%

Equity 500 02.03% 14.29% 20.90%

***YTD begins with Jan. 1999
*Projected annual 2000 Fixed Income return is 5.70% to 6.20%
November, 1999 Contributions posted to accounts 12-10-99.

December, 1999
FUND ROLLING
ONE-MONTH YTD** ROLLING
12-MONTH

Fixed Income* 00.50% 05.99% 05.99%

BT L/C Short 02.15% 03.27% 03.27%

BT L/C Mid 03.69% 08.62% 08.62%

BT L/C Long 05.04% 12.67% 12.67%

Fid Puritan 01.58% 02.86% 02.86%

Janus Fund 11.16% 47.13% 47.13%

Bt Eq. Appr 15.41% 49.70% 49.70%

Bt Int'l Eq 15.62% 32.22% 32.22%

Bt Small Cap 12.30% 44.75% 44.75%

Fid Magellan 07.20% 24.05% 24.05%

Bond Index -0.51% -0.87% -0.87%

Equity 500 05.92% 21.06% 21.06%

**YTD begins with Jan. 1999
*Projected annual 2000 Fixed Income return is 5.70% to 6.20%
December, 1999 Contributions posted to accounts 1-10-2000.

12-31-99 4th Quarter 3-Year/5-Year Returns
	3-Year	5-Year
Fixed Income	06.49%	06.75%
BT L/C Short	10.07%	10.47%
BT L/C Mid	14.65%	14.82%
BT L/C Long	18.85%	19.05%
Puritan	13.63%	15.46%
Janus	35.86%	31.16%
BT Eq Appr	26.72%	25.14%
BT Int Eq	23.31%	21.44%
BT Small Cp	20.25%	24.13%
Magellan	28.02%	26.24%
Bond Index	N/A	N/A
Equity 500	27.63%	N/A%

JANUARY, 1999
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	00.47%	00.47%	06.54%
BT L/C Short	00.96%	00.96%	13.19%
BT L/C Mid	01.71%	01.71%	17.62%
BT L/C Long	02.18%	02.18%	22.26%
Fid Puritan	00.85%	00.85%	16.56%
Janus Fund	09.09%	09.09%	47.61%
Bt Eq. Appr	06.31%	06.31%	29.00%
Bt Int'l Eq	00.62%	00.62%	17.76%
Bt Small Cap	03.96%	03.96%	10.96%
Fid Magellan	05.25%	05.25%	39.13%
*YTD begins with Jan. 1999 Projected annual 1999 Fixed Income return is 5.80% to 6.20%

February, 1999
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	00.45%	00.93%	06.48%
BT L/C Short	-2.39%	-1.45%	08.41%
BT L/C Mid	-2.33%	-0.66%	11.17%
BT L/C Long	-2.45%	-0.32%	13.71%
Fid Puritan	-1.48%	-0.65%	10.54%
Janus Fund	-5.18%	03.45%	29.34%
Bt Eq. Appr	-6.36%	-0.45%	11.46%
Bt Int'l Eq	-4.85%	-4.26%	05.14%
Bt Small Cap	-9.94%	-6.14%	-7.83%
Fid Magellan	-3.19%	01.89%	25.20%
*YTD begins with Jan. 1999 Projected annual 1999 Fixed Income return is 5.80% to 6.20%

March, 1999
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	00.53%	01.46%	06.45%
BT L/C Short	01.07%	-0.39%	07.76%
BT L/C Mid	01.81%	01.13%	10.12%
BT L/C Long	02.43%	02.09%	12.44%
Fid Puritan	02.05%	01.38%	09.38%
Janus Fund	07.64%	11.35%	35.07%
Bt Eq. Appr	07.02%	06.53%	11.77%
Bt Int'l Eq	-0.26%	-4.51%	-3.40%
Bt Small Cap	11.59%	04.74%	-1.37%
Fid Magellan	05.40%	07.39%	25.63%
*YTD begins with Jan. 1999 Projected annual 1999 Fixed Income return is 5.80% to 6.20%

April, 1999
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	00.48%	01.95%	06.40%
BT L/C Short	01.08%	00.68%	08.02%
BT L/C Mid	01.79%	02.95%	11.10%
BT L/C Long	02.47%	04.61%	14.03%
Fid Puritan	03.57%	05.00%	12.64%
Janus Fund	01.20%	12.69%	33.28%
Bt Eq. Appr	05.65%	12.56%	16.91%
Bt Int'l Eq	03.51%	-1.16%	-2.73%
Bt Small Cap	01.89%	06.72%	-0.10%
Fid Magellan	02.39%	09.96%	27.17%
*YTD begins with Jan. 1999 Projected annual 1999 Fixed Income return is 5.80% to 6.20% April Contributions posted to accounts 05-10-99.

May, 1999
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	00.45%	02.41%	06.34%
BT L/C Short	-1.06%	-0.39%	05.99%
BT L/C Mid	-1.39%	01.52%	09.21%
BT L/C Long	-1.86%	02.66%	12.21%
Fid Puritan	-3.01%	01.84%	09.40%
Janus Fund	-1.74%	10.73%	34.17%
Bt Eq. Appr	-2.22%	10.06%	19.37%
Bt Int'l Eq	-4.23%	-5.34%	-7.63%
Bt Small Cap	-4.34%	02.08%	05.29%
Fid Magellan	-2.87%	06.80%	26.01%
*YTD begins with Jan. 1999 Projected annual 1999 Fixed Income return is 5.80% to 6.20% May, 1999 Contributions posted to accounts 06-10-99.

June, 1999
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.53%	2.95%	06.29%
BT L/C Short	0.89%	0.50%	5.62%
BT L/C Mid	1.94%	3.48%	9.20%
BT L/C Long	3.09%	5.84%	12.86%
Fid Puritan	2.84%	4.73%	10.17%
Janus Fund	7.89%	19.47%	36.56%
Bt Eq. Appr	6.76%	17.50%	19.79%
Bt Int'l Eq	5.07%	-0.54%	-2.76%
Bt Small Cap	9.94%	12.23%	9.21%
Fid Magellan	6.52%	13.76%	28.74%
*YTD begins with Jan. 1999 Projected annual 1999 Fixed Income return is 5.80% to 6.20% June, 1999 Contributions posted to accounts 07-12-99.

July, 1999
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.48%	03.44%	06.20%
BT L/C Short	-0.98%	-0.48%	04.58%
BT L/C Mid	-1.39%	02.04%	07.94%
BT L/C Long	-2.19%	03.52%	10.99%
Fid Puritan	-2.18%	02.45%	08.03%
Janus Fund	-2.66%	16.29%	32.66%
Bt Eq. Appr	-3.48%	13.41%	22.70%
Bt Int'l Eq	02.12%	01.57%	-3.19%
Bt Small Cap	-1.16%	10.93%	19.94%
Fid Magellan	-3.37%	09.93%	25.34%
Bond Index	-0.32%	-1.74%	02.62%
Equity 500	-3.12%	08.85%	20.19%
*YTD begins with Jan. 1999 Projected annual 1999 Fixed Income return is 5.80% to 6.20% July, 1999 Contributions posted to accounts 08-10-99.

August, 1999
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.51%	03.97%	06.16%
BT L/C Short	0.00%	-0.48%	06.12%
BT L/C Mid	0.19%	02.24%	13.55%
BT L/C Long	0.16%	03.69%	20.84%
Fid Puritan	-1.53%	00.88%	17.95%
Janus Fund	-0.77%	15.39%	58.61%
Bt Eq. Appr	1.80%	15.45%	60.49%
Bt Int'l Eq	-0.98%	0.58%	12.44%
Bt Small Cap	0.52%	11.50%	59.72%
Fid Magellan	-1.24%	08.57%	46.47%
Bond Index	0.00%	-1.70%	00.88%
Equity 500	-0.49%	08.33%	39.94%
*YTD begins with Jan. 1999 Projected annual 1999 Fixed Income return is 5.80% to 6.20% August, 1999 Contributions posted to accounts 09-10-99.

September, 1999
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.47%	04.46%	06.10%
BT L/C Short	0.20%	-0.29%	03.37%
BT L/C Mid	-0.38%	01.85%	09.31%
BT L/C Long	-1.12%	02.53%	14.55%
Fid Puritan	-1.84%	-0.98%	11.61%
Janus Fund	01.91%	17.59%	51.04%
Bt Eq. Appr	-1.08%	14.20%	44.33%
Bt Int'l Eq	-0.45%	0.12%	17.35%
Bt Small Cap	02.10%	13.85%	46.52%
Fid Magellan	-1.48%	06.96%	36.08%
Bond Index	01.01%	-0.71%	-0.39%
Equity 500	-2.76%	05.34%	27.88%
*YTD begins with Jan. 1999 Projected annual 1999 Fixed Income return is 5.80% to 6.20% September, 1999 Contributions posted to accounts 10-11-99.

October, 1999
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.46%	04.94%	06.03%
BT L/C Short	0.89%	0.60%	03.08%
BT L/C Mid	01.99%	03.88%	08.75%
BT L/C Long	03.40%	06.02%	13.40%
Fid Puritan	02.04%	01.04%	08.56%
Janus Fund	08.11%	27.13%	56.75%
Bt Eq. Appr	05.57%	20.57%	48.14%
Bt Int'l Eq	04.63%	04.76%	15.41%
Bt Small Cap	02.83%	17.07%	47.33%
Fid Magellan	06.01%	13.39%	33.94%
Bond Index	00.31%	-0.39%	00.53%
Equity 500	06.33%	12.02%	25.65%
*YTD begins with Jan. 1999 Projected annual 1999 Fixed Income return is 5.80% to 6.20% October, 1999 Contributions posted to accounts 11-10-99.

November, 1999
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	0.51%	05.47%	06.01%
BT L/C Short	00.49%	01.10%	02.22%
BT L/C Mid	00.84%	04.75%	07.03%
BT L/C Long	01.18%	07.27%	10.84%
Fid Puritan	00.21%	01.26%	04.71%
Janus Fund	04.11%	32.36%	52.97%
Bt Eq. Appr	07.59%	29.72%	49.40%
Bt Int'l Eq	09.16%	14.35%	19.21%
Bt Small Cap	10.09%	28.89%	47.73%
Fid Magellan	02.05%	15.71%	26.84%
Bond Index	00.05%	-0.36%	-0.13%
Equity 500	02.03%	14.29%	20.90%
**YTD begins with Jan. 1999 Projected annual 2000 Fixed Income return is 5.70% to 6.20% November, 1999 Contributions posted to accounts 12-10-99.

December, 1999
FUND	ROLLING ONE-MONTH	YTD**	ROLLING 12-MONTH
Fixed Income*	00.50%	05.99%	05.99%
BT L/C Short	02.15%	03.27%	03.27%
BT L/C Mid	03.69%	08.62%	08.62%
BT L/C Long	05.04%	12.67%	12.67%
Fid Puritan	01.58%	02.86%	02.86%
Janus Fund	11.16%	47.13%	47.13%
Bt Eq. Appr	15.41%	49.70%	49.70%
Bt Int'l Eq	15.62%	32.22%	32.22%
Bt Small Cap	12.30%	44.75%	44.75%
Fid Magellan	07.20%	24.05%	24.05%
Bond Index	-0.51%	-0.87%	-0.87%
Equity 500	05.92%	21.06%	21.06%
*YTD begins with Jan. 1999 Projected annual 2000 Fixed Income return is 5.70% to 6.20% December, 1999 Contributions posted to accounts 1-10-2000.