TABLE 1


1980 1998
A. Average Balance per Active Account$1,058$2,339
(1998 Dollars)
B.n.a.2.9% of outstandings
C.n.a.2.9% of outstandings


















TABLE 2


Amount Percentage of total charge-offs
1998:$34,813 =51.8%
1997:$40,237 =38.5%
1996:$39,353 =58.6%
1995:$19,848 =35.0%


















TABLE 3


Number of filings
Chapter 7 Chapter 13
1998:181 converted to Chapter 7
1997:242
1996:214
1995:170