Monthly Principal and Interest

               Payment Factor (Per $1000)

Rate         15 YRS     30 YRS

4.00%       7.40          4.78

4.25%       7.53          4.92

4.50%       7.65          5.07

4.75%       7.78          5.22

5.00%       7.91          5.37

5.25%       8.04          5.53

5.50%       8.18          5.68

5.75%       8.31          5.84

6.00%       8.44          6.00

6.25%       8.58          6.16

6.50%       8.72          6.33

6.75%       8.85          6.49

7.00%       8.99          6.66