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:	18	1 converted to Chapter 7
1997:	24	2
1996:	21	4
1995:	17	0