1. Key Bank Corp.
   Mr. Brian Johnson - V.P. Key Bank Corp.
    
2. American West Bank Corp
   MR. L.J.Emerson - V.P. American West Bank Corp
    
3. Irwin Mortgage Corp.
   Mr. James Keough - Senior Mortgage Banker
    
4. U.S. Bank
   Mrs. Pamela Schmid - V.P. U.S. Bank Corp.
    
5. Sattler and Heslop CPA
   Mr. Keith Sattler CPA - Senior Partner
    
6. A list of customers that have given their permission
   to use them as references.

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