CREDIT ARRANGEMENTS (Tables)

3 Months Ended

Mar. 31, 2013

NOTES PAYABLE [Abstract]

Schedule of promissory note

At March 31, 2013 and December 31, 2012, the Company hadthe following outstanding debt:

				Outstanding Principal Balance
Instrument	Issue Date	Maturity Date		March 31, 2013		December 31, 2012
Promissory Note:
HPG Acquisitions	2007-02-07	2017-11-07	$	193,419	$	202,919
HPG Acquisitions	2012-12-27	2018-03-04		12,000,000		12,000,000

Schedule of lines of credit

Instrument	Issue Date	Maturity Date		Revolving Credit Limit		December 31, 2012	Borrowings	Repayments		March 31, 2013
Lines of Credit:
UTG	2012-11-20	2013-11-20	$	8,000,000	$	1,655,035	0	0	$	1,655,035
UTG Avalon	2011-12-28	2014-01-03		5,000,000		5,000,000	0	5,000,000		0
UTG Avalon	2013-03-28	2014-03-28		5,000,000		0	5,000,000	0		5,000,000
UG	2010-12-28	2013-12-06		15,000,000		0	0	0		0

Scheduled principal reduction on notes payable for the next five years

The consolidated scheduled principal reductions on the notes payable for the next five years are as follows:

Year		Amount
2013	$	1,677,120
2014		5,034,154
2015		382,395
2016		518,134
2017		542,470