ANNUAL SCHEDULE

YEAR INTEREST     PRINCIPAL    BALANCE    
==== ============ ============ ============
   1      5687.81      2405.27     66594.73
   2      5478.46      2614.63     63980.09
   3      5250.88      2842.21     61137.88
   4      5003.49      3089.60     58048.28
   5      4734.57      3358.52     54689.76
   6      4442.24      3650.85     51038.91
   7      4124.47      3968.62     47070.29
   8      3779.04      4314.05     42756.24
   9      3403.54      4689.55     38066.69
  10      2995.35      5097.73     32968.95
  11      2551.64      5541.44     27427.51
  12      2069.31      6023.78     21403.73
  13      1545.00      6548.09     14855.64
  14       975.05      7118.04      7737.60
  15       355.49      7737.60         0.00

SUM=     52396.33     69000.00    121396.33