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                                                                                       City of Muskegon

                                                               SCHEDULE OF INDEBTEDNESS - CONTINUED                                                                                                                                

                                                                                       December 31, 2003

                                                                                                                                                                                                         Annual
                                                             Date              Amount             Interest    Date of                                                                                    Interest
                                                         of Issue              of Issue            Rate       Maturity                   2002                             2003                           Payable

Enterprise fund debt:
  Water supply system bonds                                  10/1/1993 $             5,465,000
                                                                                                     0.00%      05/01/03 $                             -  $                             -  $                          - 
      ($16,537 unamortized discount)                                                                 0.00%      05/01/04                                -                                 -                     40,500
                                                                                                                                                                                                                         
                                                                                                     0.00%      05/01/05                                -                                 -                     40,500
                                                                                                                                                                                                                         
                                                                                                     0.00%      05/01/06                                -                                 -                     40,500
                                                                                                                                                                                                                         
                                                                                                     0.00%      05/01/07                                -                                 -                     40,500
                                                                                                                                                                                                                         
                                                                                                     0.00%      05/01/08                                -                                 -                     40,500
                                                                                                                                                                                                                         
                                                                                                     0.00%      05/01/09                                -                                 -                     40,500
                                                                                                                                                                                                                         
                                                                                                     0.00%      05/01/10                                -                                 -                     40,500
                                                                                                                                                                                                                         
                                                                                                     0.00%      05/01/11                                -                                 -                     40,500
                                                                                                                                                                                                                         
                                                                                                     4.50%      05/01/12                     450,000
                                                                                                                                                                                  450,000
                                                                                                                                                                                                                    30,375
                                                                                                                                                                                                                         
                                                                                                     4.50%      05/01/13                     450,000
                                                                                                                                                                                  450,000
                                                                                                                                                                                                                    10,121
                                                                                                                                                                                                                         
                                                                                                                                                  900,000
                                                                                                                                                                                  900,000
                                                                                                                                                                                                                  364,496
                                                                                                                                                                                                                    


  Water supply system bonds                                   3/2/1999 $             9,575,000
                                                                                                     3.75%      05/01/03                     405,000
                                                                                                                                                                                             -                              - 
      ($77,117 unamortized discount)                                                                 3.85%      05/01/04                     420,000
                                                                                                                                                                                  420,000
                                                                                                                                                                                                                  361,380
                                                                                                                                                                                                                    
                                                                                                     3.95%      05/01/05                     435,000
                                                                                                                                                                                  435,000
                                                                                                                                                                                                                  344,704
                                                                                                                                                                                                                    
                                                                                                     4.05%      05/01/06                     455,000
                                                                                                                                                                                  455,000
                                                                                                                                                                                                                  326,899
                                                                                                                                                                                                                    
                                                                                                     4.05%      05/01/07                     470,000
                                                                                                                                                                                  470,000
                                                                                                                                                                                                                  308,168
                                                                                                                                                                                                                    
                                                                                                     4.05%      05/01/08                     490,000
                                                                                                                                                                                  490,000
                                                                                                                                                                                                                  288,728
                                                                                                                                                                                                                    
                                                                                                     4.10%      05/01/09                     510,000
                                                                                                                                                                                  510,000
                                                                                                                                                                                                                  268,350
                                                                                                                                                                                                                    
                                                                                                     4.20%      05/01/10                     535,000
                                                                                                                                                                                  535,000
                                                                                                                                                                                                                  246,660
                                                                                                                                                                                                                    
                                                                                                     4.30%      05/01/11                     555,000
                                                                                                                                                                                  555,000
                                                                                                                                                                                                                  223,493
                                                                                                                                                                                                                    
                                                                                                     4.35%      05/01/12                     130,000
                                                                                                                                                                                  130,000
                                                                                                                                                                                                                  208,733
                                                                                                                                                                                                                    
                                                                                                     4.40%      05/01/13                     155,000
                                                                                                                                                                                  155,000
                                                                                                                                                                                                                  202,495
                                                                                                                                                                                                                    
                                                                                                     4.50%      05/01/14                     635,000
                                                                                                                                                                                  635,000
                                                                                                                                                                                                                  184,798
                                                                                                                                                                                                                    
                                                                                                     4.55%      05/01/15                     665,000
                                                                                                                                                                                  665,000
                                                                                                                                                                                                                  155,381
                                                                                                                                                                                                                    
                                                                                                     4.60%      05/01/16                     695,000
                                                                                                                                                                                  695,000
                                                                                                                                                                                                                  124,268
                                                                                                                                                                                                                    
                                                                                                     4.65%      05/01/17                     730,000
                                                                                                                                                                                  730,000
                                                                                                                                                                                                                    91,310
                                                                                                                                                                                                                         
                                                                                                     4.75%      05/01/18                     765,000
                                                                                                                                                                                  765,000
                                                                                                                                                                                                                    56,169
                                                                                                                                                                                                                         
                                                                                                     4.75%      05/01/19                     800,000
                                                                                                                                                                                  800,000
                                                                                                                                                                                                                    19,000
                                                                                                                                                                                                                         
                                                                                                                                               8,850,000
                                                                                                                                                                               8,445,000
                                                                                                                                                                                                               3,410,536
                                                                                                                                                                                                               

  Contractual obligation for                                 11/6/2002 $             6,990,000
                                                                                                     1.80%      07/01/03                     146,078
                                                                                                                                                                                             -                              - 
    County wastewater debt retirement - refunding bonds *                                            2.00%      07/01/04                     122,705
                                                                                                                                                                                  122,705
                                                                                                                                                                                                                  190,018
                                                                                                                                                                                                                    
                                                                                                     2.25%      07/01/05                     116,862
                                                                                                                                                                                  116,862
                                                                                                                                                                                                                  187,564
                                                                                                                                                                                                                    
                                                                                                     5.00%      07/01/06                  1,244,580
                                                                                                                                                                               1,244,580
                                                                                                                                                                                                                  184,934
                                                                                                                                                                                                                    
                                                                                                     5.00%      07/01/07                  1,232,894
                                                                                                                                                                               1,232,894
                                                                                                                                                                                                                  122,705
                                                                                                                                                                                                                    
                                                                                                     5.00%      07/01/08                  1,221,208
                                                                                                                                                                               1,221,208
                                                                                                                                                                                                                    61,060
                                                                                                                                                                                                                         
                                                                                                                                               4,084,327
                                                                                                                                                                               3,938,249
                                                                                                                                                                                                                  746,281
                                                                                                                                                                                                                    

  Contractual obligation for                                  5/1/1996 $             8,034,263
                                                                                                     5.00%      07/01/03                  1,005,013
                                                                                                                                                                                             -                              - 
    County wastewater debt retirement *                                                              5.10%      07/01/04                     984,562
                                                                                                                                                                                  984,562
                                                                                                                                                                                                                    80,061
                                                                                                                                                                                                                         
                                                                                                     5.70%      07/01/05                     964,112
                                                                                                                                                                                  964,112
                                                                                                                                                                                                                    27,475
                                                                                                                                                                                                                         
                                                                                                                                               2,953,687
                                                                                                                                                                               1,948,674
                                                                                                                                                                                                                  107,536
                                                                                                                                                                                                                    
TOTAL ENTERPRISE FUND DEBT                                                                                                    $             16,788,014
                                                                                                                                                              $             15,231,923
                                                                                                                                                                                                 $            4,628,849
                                                                                                                                                                                                               


General long-term debt:
  Building authority limited tax bonds                        1/1/1996 $             1,545,000
                                                                                                     4.20%      12/01/03 $                  195,000
                                                                                                                                                              $                             -  $                          - 
    of 1996 (city hall renovations)                                                                  4.30%      12/01/04                     205,000
                                                                                                                                                                                  205,000
                                                                                                                                                                                                                      8,816
                                                                                                                                                                                                                              
                                                                                                                                                  400,000
                                                                                                                                                                                  205,000
                                                                                                                                                                                                                      8,816
                                                                                                                                                                                                                              


  Special assessment improvement bonds                        1/1/1996 $             1,155,000
                                                                                                     4.20%      12/01/03                     120,000
                                                                                                                                                                                             -                              - 
    of 1996 (sidewalks)                                                                              4.30%      12/01/04                       65,000
                                                                                                                                                                                    65,000
                                                                                                                                                                                                                      3,896
                                                                                                                                                                                                                              
                                                                                                     4.40%      12/01/05                       25,000
                                                                                                                                                                                    25,000
                                                                                                                                                                                                                      1,100
                                                                                                                                                                                                                              
                                                                                                                                                  210,000
                                                                                                                                                                                    90,000
                                                                                                                                                                                                                      4,996
                                                                                                                                                                                                                              


  Special assessment improvement bonds                       10/1/1998 $             1,495,000
                                                                                                     3.85%      04/01/03                     170,000
                                                                                                                                                                                             -                              - 
    of 1998 (sidewalks)                                                                              3.90%      04/01/04                     165,000
                                                                                                                                                                                  165,000
                                                                                                                                                                                                                    27,735
                                                                                                                                                                                                                         
                                                                                                     3.95%      04/01/05                     165,000
                                                                                                                                                                                  165,000
                                                                                                                                                                                                                    21,259
                                                                                                                                                                                                                         
                                                                                                     4.00%      04/01/06                     165,000
                                                                                                                                                                                  165,000
                                                                                                                                                                                                                    14,700
                                                                                                                                                                                                                         
                                                                                                     4.00%      04/01/07                     130,000
                                                                                                                                                                                  130,000
                                                                                                                                                                                                                      8,800
                                                                                                                                                                                                                              
                                                                                                     4.00%      04/01/08                       95,000
                                                                                                                                                                                    95,000
                                                                                                                                                                                                                      4,300
                                                                                                                                                                                                                              
                                                                                                     4.00%      04/01/09                       60,000
                                                                                                                                                                                    60,000
                                                                                                                                                                                                                      1,200
                                                                                                                                                                                                                              
                                                                                                                                                  950,000
                                                                                                                                                                                  780,000
                                                                                                                                                                                                                    77,994
                                                                                                                                                                                                                         

* Note: 58.88% of this debt is guaranteed and paid by an industrial user.



                                                                              City of Muskegon

                                                     SCHEDULE OF INDEBTEDNESS - CONTINUED                                                                                                                                  

                                                                              December 31, 2003

                                                                                                                                                                                                  Annual
                                                   Date              Amount              Interest    Date of                                                                                      Interest
                                                  of Issue           of Issue             Rate       Maturity                    2002                             2003                           Payable

General long-term debt--continued:

  Special assessment improvement bonds             12/1/2000 $                825,000
                                                                                            4.50%      04/01/03 $                    85,000
                                                                                                                                                      $                             -  $                          - 
    of 2000 (sidewalks)                                                                     4.55%      04/01/04                       90,000
                                                                                                                                                                            90,000
                                                                                                                                                                                                            25,885
                                                                                                                                                                                                                 
                                                                                            4.60%      04/01/05                       85,000
                                                                                                                                                                            85,000
                                                                                                                                                                                                            21,883
                                                                                                                                                                                                                 
                                                                                            4.65%      04/01/06                       85,000
                                                                                                                                                                            85,000
                                                                                                                                                                                                            17,951
                                                                                                                                                                                                                 
                                                                                            4.70%      04/01/07                       90,000
                                                                                                                                                                            90,000
                                                                                                                                                                                                            13,860
                                                                                                                                                                                                                 
                                                                                            4.80%      04/01/08                       85,000
                                                                                                                                                                            85,000
                                                                                                                                                                                                              9,705
                                                                                                                                                                                                                      
                                                                                            4.90%      04/01/09                       85,000
                                                                                                                                                                            85,000
                                                                                                                                                                                                              5,583
                                                                                                                                                                                                                      
                                                                                            5.00%      04/01/10                       70,000
                                                                                                                                                                            70,000
                                                                                                                                                                                                              1,746
                                                                                                                                                                                                                      
                                                                                                                                         675,000
                                                                                                                                                                          590,000
                                                                                                                                                                                                            96,613
                                                                                                                                                                                                                 

  Capital improvement bonds                         3/1/2003 $             1,575,000
                                                                                            0.00%      06/01/03                                -                                 -                              - 
    of 2003 (sidewalks)                                                                     2.00%      06/01/04                                -                      105,000
                                                                                                                                                                                                            49,724
                                                                                                                                                                                                                 
                                                                                            2.00%      06/01/05                                -                      105,000
                                                                                                                                                                                                            47,624
                                                                                                                                                                                                                 
                                                                                            2.00%      06/01/06                                -                      105,000
                                                                                                                                                                                                            45,524
                                                                                                                                                                                                                 
                                                                                            2.38%      06/01/07                                -                      110,000
                                                                                                                                                                                                            43,168
                                                                                                                                                                                                                 
                                                                                            2.88%      06/01/08                                -                      110,000
                                                                                                                                                                                                            40,280
                                                                                                                                                                                                                 
                                                                                            3.13%      06/01/09                                -                      115,000
                                                                                                                                                                                                            36,902
                                                                                                                                                                                                                 
                                                                                            3.50%      06/01/10                                -                      120,000
                                                                                                                                                                                                            33,005
                                                                                                                                                                                                                 
                                                                                            3.50%      06/01/11                                -                      120,000
                                                                                                                                                                                                            28,805
                                                                                                                                                                                                                 
                                                                                            3.70%      06/01/12                                -                      125,000
                                                                                                                                                                                                            24,393
                                                                                                                                                                                                                 
                                                                                            3.80%      06/01/13                                -                      130,000
                                                                                                                                                                                                            19,610
                                                                                                                                                                                                                 
                                                                                            3.90%      06/01/14                                -                      135,000
                                                                                                                                                                                                            14,508
                                                                                                                                                                                                                 
                                                                                            4.00%      06/01/15                                -                      145,000
                                                                                                                                                                                                              8,975
                                                                                                                                                                                                                      
                                                                                            4.05%      06/01/16                                -                      150,000
                                                                                                                                                                                                              3,038
                                                                                                                                                                                                                      
                                                                                                                                                    -                   1,575,000
                                                                                                                                                                                                          395,553
                                                                                                                                                                                                            


  State of Michigan urban land                    12/15/1999 $             1,276,900
                                                                                            0.00%      10/31/03                     150,000
                                                                                                                                                                                     -                               - 
    assembly loan                                                                           0.00%      10/31/04                     150,000
                                                                                                                                                                          150,000
                                                                                                                                                                                                                      - 
                                                                                            0.00%      10/31/05                     150,000
                                                                                                                                                                          150,000
                                                                                                                                                                                                                      - 
                                                                                            0.00%      10/31/06                     150,000
                                                                                                                                                                          150,000
                                                                                                                                                                                                                      - 
                                                                                            0.00%      10/31/07                     200,000
                                                                                                                                                                          200,000
                                                                                                                                                                                                                      - 
                                                                                            0.00%      10/31/08                     200,000
                                                                                                                                                                          200,000
                                                                                                                                                                                                                      - 
                                                                                            0.00%      10/31/09                     276,900
                                                                                                                                                                          276,900
                                                                                                                                                                                                                      - 
                                                                                                                                      1,276,900
                                                                                                                                                                       1,126,900
                                                                                                                                                                                                                      - 


  Michigan transportation fund refunding bonds     10/1/2002 $             2,245,000
                                                                                            2.00%      06/01/03                     350,000
                                                                                                                                                                                     -                               - 
   ($7,119 unamortized premium)                                                             2.00%      06/01/04                     350,000
                                                                                                                                                                          350,000
                                                                                                                                                                                                            45,138
                                                                                                                                                                                                                 
                                                                                            2.25%      06/01/05                     370,000
                                                                                                                                                                          370,000
                                                                                                                                                                                                            37,475
                                                                                                                                                                                                                 
                                                                                            2.50%      06/01/06                     385,000
                                                                                                                                                                          385,000
                                                                                                                                                                                                            28,500
                                                                                                                                                                                                                 
                                                                                            2.88%      06/01/07                     400,000
                                                                                                                                                                          400,000
                                                                                                                                                                                                            17,937
                                                                                                                                                                                                                 
                                                                                            3.13%      06/01/08                     390,000
                                                                                                                                                                          390,000
                                                                                                                                                                                                              6,093
                                                                                                                                                                                                                      
                                                                                                                                      2,245,000
                                                                                                                                                                       1,895,000
                                                                                                                                                                                                          135,143
                                                                                                                                                                                                            


  Michigan transportation fund bonds               11/1/1997 $             1,950,000
                                                                                            4.05%      12/01/03                     200,000
                                                                                                                                                                                     -                              - 
                                                                                            4.10%      12/01/04                     205,000
                                                                                                                                                                          205,000
                                                                                                                                                                                                            37,188
                                                                                                                                                                                                                 
                                                                                            4.15%      12/01/05                     215,000
                                                                                                                                                                          215,000
                                                                                                                                                                                                            28,781
                                                                                                                                                                                                                 
                                                                                            4.20%      12/01/06                     230,000
                                                                                                                                                                          230,000
                                                                                                                                                                                                            19,860
                                                                                                                                                                                                                 
                                                                                            4.25%      12/01/07                     240,000
                                                                                                                                                                          240,000
                                                                                                                                                                                                            10,200
                                                                                                                                                                                                                 
                                                                                                                                      1,090,000
                                                                                                                                                                          890,000
                                                                                                                                                                                                            96,029
                                                                                                                                                                                                                 
TOTAL GENERAL LONG-TERM DEBT                                                                                         $               6,846,900
                                                                                                                                                      $               7,151,900
                                                                                                                                                                                         $               815,144
                                                                                                                                                                                                            

TOTAL PRIMARY GOVERNMENT LONG-TERM DEBT                                                                              $             23,634,914
                                                                                                                                                      $             22,383,823
                                                                                                                                                                                         $            5,443,993
                                                                                                                                                                                                       



                                                                        City of Muskegon

                                                SCHEDULE OF INDEBTEDNESS - CONTINUED                                                                                                                                 

                                                                        December 31, 2003

                                                                                                                                                                                            Annual
                                              Date              Amount             Interest    Date of                                                                                     Interest
                                             of Issue           of Issue            Rate       Maturity                   2002                              2003                           Payable


Discretely presented component unit debt:
  Downtown Development Authority              8/10/1989 $             1,000,000
                                                                                      0.00%      08/30/19 $               1,000,000
                                                                                                                                                $               1,000,000
                                                                                                                                                                                   $                          - 
    promissory note to Muskegon County                                                                                          1,000,000
                                                                                                                                                                 1,000,000
                                                                                                                                                                                                                - 


  Downtown Development Authority               9/1/2001 $             4,005,000
                                                                                      4.00%      06/01/03                     170,000
                                                                                                                                                                               -                              - 
    refunding bonds                                                                   4.00%      06/01/04                     180,000
                                                                                                                                                                    180,000
                                                                                                                                                                                                    160,492
                                                                                                                                                                                                      
                                                                                      4.00%      06/01/05                     185,000
                                                                                                                                                                    185,000
                                                                                                                                                                                                    153,192
                                                                                                                                                                                                      
                                                                                      4.00%      06/01/06                     200,000
                                                                                                                                                                    200,000
                                                                                                                                                                                                    145,492
                                                                                                                                                                                                      
                                                                                      4.00%      06/01/07                     200,000
                                                                                                                                                                    200,000
                                                                                                                                                                                                    137,492
                                                                                                                                                                                                      
                                                                                      4.00%      06/01/08                     210,000
                                                                                                                                                                    210,000
                                                                                                                                                                                                    129,292
                                                                                                                                                                                                      
                                                                                      4.20%      06/01/09                     220,000
                                                                                                                                                                    220,000
                                                                                                                                                                                                    120,472
                                                                                                                                                                                                      
                                                                                      4.25%      06/01/10                     230,000
                                                                                                                                                                    230,000
                                                                                                                                                                                                    110,964
                                                                                                                                                                                                      
                                                                                      4.35%      06/01/11                     240,000
                                                                                                                                                                    240,000
                                                                                                                                                                                                    100,857
                                                                                                                                                                                                      
                                                                                      4.45%      06/01/12                     245,000
                                                                                                                                                                    245,000
                                                                                                                                                                                                      90,187
                                                                                                                                                                                                           
                                                                                      4.55%      06/01/13                     260,000
                                                                                                                                                                    260,000
                                                                                                                                                                                                      78,821
                                                                                                                                                                                                           
                                                                                      4.65%      06/01/14                     270,000
                                                                                                                                                                    270,000
                                                                                                                                                                                                      66,628
                                                                                                                                                                                                           
                                                                                      4.75%      06/01/15                     280,000
                                                                                                                                                                    280,000
                                                                                                                                                                                                      53,700
                                                                                                                                                                                                           
                                                                                      4.85%      06/01/16                     300,000
                                                                                                                                                                    300,000
                                                                                                                                                                                                      39,775
                                                                                                                                                                                                           
                                                                                      5.00%      06/01/17                     315,000
                                                                                                                                                                    315,000
                                                                                                                                                                                                      24,625
                                                                                                                                                                                                           
                                                                                      5.00%      06/01/18                     335,000
                                                                                                                                                                    335,000
                                                                                                                                                                                                        8,375
                                                                                                                                                                                                                
                                                                                                                                3,840,000
                                                                                                                                                                 3,670,000
                                                                                                                                                                                                 1,420,364
                                                                                                                                                                                                 

  Local Development Finance Authority         11/1/2002 $             4,725,000
                                                                                      0.00%      11/01/03                                -                                 -                              - 
   Smartzone Bonds                                                                    0.00%      11/01/04                                -                                 -                   205,147
                                                                                                                                                                                                      
   ($8,597 unamortized discount)                                                      0.00%      11/01/05                                -                                 -                   205,147
                                                                                                                                                                                                      
                                                                                      0.00%      11/01/06                                -                                 -                   205,147
                                                                                                                                                                                                      
                                                                                      3.25%      11/01/07                       80,000
                                                                                                                                                                      80,000
                                                                                                                                                                                                    205,147
                                                                                                                                                                                                      
                                                                                      3.50%      11/01/08                       80,000
                                                                                                                                                                      80,000
                                                                                                                                                                                                    202,547
                                                                                                                                                                                                      
                                                                                      3.63%      11/01/09                       80,000
                                                                                                                                                                      80,000
                                                                                                                                                                                                    199,747
                                                                                                                                                                                                      
                                                                                      3.88%      11/01/10                       80,000
                                                                                                                                                                      80,000
                                                                                                                                                                                                    196,847
                                                                                                                                                                                                      
                                                                                      3.88%      11/01/11                       80,000
                                                                                                                                                                      80,000
                                                                                                                                                                                                    193,747
                                                                                                                                                                                                      
                                                                                      4.00%      11/01/12                     180,000
                                                                                                                                                                    180,000
                                                                                                                                                                                                    190,647
                                                                                                                                                                                                      
                                                                                      3.90%      11/01/13                     240,000
                                                                                                                                                                    240,000
                                                                                                                                                                                                    183,447
                                                                                                                                                                                                      
                                                                                      4.05%      11/01/14                     305,000
                                                                                                                                                                    305,000
                                                                                                                                                                                                    174,087
                                                                                                                                                                                                      
                                                                                      4.05%      11/01/15                     325,000
                                                                                                                                                                    325,000
                                                                                                                                                                                                    161,736
                                                                                                                                                                                                      
                                                                                      4.15%      11/01/16                     340,000
                                                                                                                                                                    340,000
                                                                                                                                                                                                    148,572
                                                                                                                                                                                                      
                                                                                      4.25%      11/01/17                     355,000
                                                                                                                                                                    355,000
                                                                                                                                                                                                    134,462
                                                                                                                                                                                                      
                                                                                      4.35%      11/01/18                     375,000
                                                                                                                                                                    375,000
                                                                                                                                                                                                    119,376
                                                                                                                                                                                                      
                                                                                      4.45%      11/01/19                     395,000
                                                                                                                                                                    395,000
                                                                                                                                                                                                    103,062
                                                                                                                                                                                                      
                                                                                      4.60%      11/01/20                     400,000
                                                                                                                                                                    400,000
                                                                                                                                                                                                      85,486
                                                                                                                                                                                                           
                                                                                      4.60%      11/01/21                     255,000
                                                                                                                                                                    255,000
                                                                                                                                                                                                      67,086
                                                                                                                                                                                                           
                                                                                      4.60%      11/01/22                     265,000
                                                                                                                                                                    265,000
                                                                                                                                                                                                      55,356
                                                                                                                                                                                                           
                                                                                      4.85%      11/01/23                     280,000
                                                                                                                                                                    280,000
                                                                                                                                                                                                      43,166
                                                                                                                                                                                                           
                                                                                      4.85%      11/01/24                     295,000
                                                                                                                                                                    295,000
                                                                                                                                                                                                      29,586
                                                                                                                                                                                                           
                                                                                      4.85%      11/01/25                     315,000
                                                                                                                                                                    315,000
                                                                                                                                                                                                      15,278
                                                                                                                                                                                                           
                                                                                                                                4,725,000
                                                                                                                                                                 4,725,000
                                                                                                                                                                                                 3,124,823
                                                                                                                                                                                                 

  Local Development Finance Authority        11/22/1994 $             1,475,000
                                                                                      6.00%      06/01/03                     100,000
                                                                                                                                                                               -                              - 
                                                                                      6.00%      06/01/04                     100,000
                                                                                                                                                                               -                              - 
                                                                                      6.00%      06/01/05                     125,000
                                                                                                                                                                               -                              - 
                                                                                      6.00%      06/01/06                     125,000
                                                                                                                                                                               -                              - 
                                                                                      6.00%      06/01/07                     125,000
                                                                                                                                                                               -                              - 
                                                                                      5.50%      06/01/08                     125,000
                                                                                                                                                                               -                              - 
                                                                                      5.50%      06/01/09                     125,000
                                                                                                                                                                               -                              - 
                                                                                                                                   825,000
                                                                                                                                                                               -                              - 
TOTAL DISCRETELY PRESENTED COMPONENT UNIT DEBT                                                                 $             10,390,000
                                                                                                                                                $               9,395,000
                                                                                                                                                                                   $            4,545,187
                                                                                                                                                                                                 

TOTAL REPORTING ENTITY LONG-TERM DEBT                                                                          $             34,024,914
                                                                                                                                                $             31,778,823
                                                                                                                                                                                   $            9,989,180