Date:    06/29/2000  1:20 AM

Subject: File No. S7-09-00

            Dear Sirs,
            We are totally in favor of mutual funds being required to disclose 
            after-tax returns based on standardized formulas comparable to
            the formula currently used to calculate before-tax average annual 
            total returns.  We further hope you will rule and act positively 
            on this matter.  Thank you for your time and consideration.
     
                                                        Carl R. Bissett
                                                        Janet S. Bissett
                                                        Carl W. Bissett
                                                        Carla S. McCarter