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        <RelatedOrExemptFunctionIncome>2284</RelatedOrExemptFunctionIncome>
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        <UnrelatedBusinessRevenue>0</UnrelatedBusinessRevenue>
        <ExclusionAmount>0</ExclusionAmount>
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      <CompCurrentOfficersDirectors>
        <Total>112238</Total>
        <ProgramServices>95402</ProgramServices>
        <ManagementAndGeneral>16836</ManagementAndGeneral>
      </CompCurrentOfficersDirectors>
      <OtherSalariesAndWages>
        <Total>447650</Total>
        <ProgramServices>380503</ProgramServices>
        <ManagementAndGeneral>67147</ManagementAndGeneral>
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      <PensionPlanContributions>
        <Total>77239</Total>
        <ProgramServices>65653</ProgramServices>
        <ManagementAndGeneral>11586</ManagementAndGeneral>
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      <OtherEmployeeBenefits>
        <Total>99964</Total>
        <ProgramServices>84970</ProgramServices>
        <ManagementAndGeneral>14994</ManagementAndGeneral>
      </OtherEmployeeBenefits>
      <PayrollTaxes>
        <Total>43705</Total>
        <ProgramServices>37149</ProgramServices>
        <ManagementAndGeneral>6556</ManagementAndGeneral>
      </PayrollTaxes>
      <FeesForServicesLegal>
        <Total>5412</Total>
        <ProgramServices>4600</ProgramServices>
        <ManagementAndGeneral>812</ManagementAndGeneral>
      </FeesForServicesLegal>
      <FeesForServicesAccounting>
        <Total>14200</Total>
        <ProgramServices>12070</ProgramServices>
        <ManagementAndGeneral>2130</ManagementAndGeneral>
      </FeesForServicesAccounting>
      <Advertising>
        <Total>1029</Total>
        <ProgramServices>875</ProgramServices>
        <ManagementAndGeneral>154</ManagementAndGeneral>
      </Advertising>
      <OfficeExpenses>
        <Total>37680</Total>
        <ProgramServices>33345</ProgramServices>
        <ManagementAndGeneral>4335</ManagementAndGeneral>
      </OfficeExpenses>
      <Occupancy>
        <Total>25955</Total>
        <ProgramServices>22062</ProgramServices>
        <ManagementAndGeneral>3893</ManagementAndGeneral>
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      <Travel>
        <Total>18044</Total>
        <ProgramServices>15337</ProgramServices>
        <ManagementAndGeneral>2707</ManagementAndGeneral>
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      <Interest>
        <Total>16601</Total>
        <ProgramServices>16553</ProgramServices>
        <ManagementAndGeneral>48</ManagementAndGeneral>
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      <DepreciationDepletion>
        <Total>13628</Total>
        <ProgramServices>11584</ProgramServices>
        <ManagementAndGeneral>2044</ManagementAndGeneral>
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        <ProgramServices>12245</ProgramServices>
        <ManagementAndGeneral>2161</ManagementAndGeneral>
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        <Description>ADMINISTRATIVE SERVICES</Description>
        <Total>175882</Total>
        <ProgramServices>175882</ProgramServices>
      </OtherExpenses>
      <OtherExpenses>
        <Description>SBA LOAN EXPENSE</Description>
        <Total>89007</Total>
        <ProgramServices>75656</ProgramServices>
        <ManagementAndGeneral>13351</ManagementAndGeneral>
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      <OtherExpenses>
        <Description>MISCELLANEOUS</Description>
        <Total>26097</Total>
        <ProgramServices>22182</ProgramServices>
        <ManagementAndGeneral>3915</ManagementAndGeneral>
      </OtherExpenses>
      <OtherExpenses>
        <Description>CONTRACT SERVICES</Description>
        <Total>25511</Total>
        <ProgramServices>21684</ProgramServices>
        <ManagementAndGeneral>3827</ManagementAndGeneral>
      </OtherExpenses>
      <AllOtherExpenses>
        <Total>42717</Total>
        <ProgramServices>36310</ProgramServices>
        <ManagementAndGeneral>6407</ManagementAndGeneral>
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      <TotalFunctionalExpenses>
        <Total>1286965</Total>
        <ProgramServices>1124062</ProgramServices>
        <ManagementAndGeneral>162903</ManagementAndGeneral>
        <Fundraising>0</Fundraising>
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      <CashNonInterestBearing>
        <BOY>108748</BOY>
        <EOY>108973</EOY>
      </CashNonInterestBearing>
      <SavingsAndTempCashInvestments>
        <BOY>909861</BOY>
        <EOY>703177</EOY>
      </SavingsAndTempCashInvestments>
      <OtherNotesLoansReceivableNet>
        <BOY>3655663</BOY>
        <EOY>3709401</EOY>
      </OtherNotesLoansReceivableNet>
      <PrepaidExpensesDeferredCharges>
        <BOY>2854</BOY>
        <EOY>5453</EOY>
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      <LandBuildingsEquipmentBasis>136290</LandBuildingsEquipmentBasis>
      <LandBldgEquipmentAccumDeprec>71813</LandBldgEquipmentAccumDeprec>
      <LandBuildingsEquipmentBasisNet>
        <BOY>55440</BOY>
        <EOY>64477</EOY>
      </LandBuildingsEquipmentBasisNet>
      <OtherAssetsTotal>
        <BOY>1338892</BOY>
        <EOY>1199278</EOY>
      </OtherAssetsTotal>
      <TotalAssets>
        <BOY>6071458</BOY>
        <EOY>5790759</EOY>
      </TotalAssets>
      <AccountsPayableAccruedExpenses>
        <BOY>18740</BOY>
        <EOY>23046</EOY>
      </AccountsPayableAccruedExpenses>
      <MortNotesPyblSecuredInvestProp>
        <BOY>1880734</BOY>
        <EOY>1722326</EOY>
      </MortNotesPyblSecuredInvestProp>
      <OtherLiabilities>
        <BOY>1130955</BOY>
        <EOY>929993</EOY>
      </OtherLiabilities>
      <TotalLiabilities>
        <BOY>3030429</BOY>
        <EOY>2675365</EOY>
      </TotalLiabilities>
      <FollowSFAS117>X</FollowSFAS117>
      <UnrestrictedNetAssets>
        <BOY>3041029</BOY>
        <EOY>3115394</EOY>
      </UnrestrictedNetAssets>
      <TotalNetAssetsFundBalances>
        <BOY>3041029</BOY>
        <EOY>3115394</EOY>
      </TotalNetAssetsFundBalances>
      <TotalLiabNetAssetsFundBalances>
        <BOY>6071458</BOY>
        <EOY>5790759</EOY>
      </TotalLiabNetAssetsFundBalances>
      <InfoInScheduleOPartXI>X</InfoInScheduleOPartXI>
      <ReconcilationRevenueExpenses>-42627</ReconcilationRevenueExpenses>
      <ReconcilationOtherChanges>116992</ReconcilationOtherChanges>
      <MethodOfAccountingAccrual>X</MethodOfAccountingAccrual>
      <AccountantCompileOrReview>0</AccountantCompileOrReview>
      <FSAudited>0</FSAudited>
      <FederalGrantAuditRequired>0</FederalGrantAuditRequired>
    </IRS990>
    <IRS990ScheduleA documentId="RetDoc1039100001">
      <PubliclySupportedOrg509a2>X</PubliclySupportedOrg509a2>
      <GiftsGrantsContribReceived509>
        <CurrentTaxYearMinus4Years>57000</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>73283</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>67189</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>71095</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>75000</CurrentTaxYear>
        <Total>343567</Total>
      </GiftsGrantsContribReceived509>
      <GrossReceiptsFromAdmissions>
        <CurrentTaxYearMinus4Years>1050064</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>978348</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>919301</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>922221</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>907945</CurrentTaxYear>
        <Total>4777879</Total>
      </GrossReceiptsFromAdmissions>
      <Total509>
        <CurrentTaxYearMinus4Years>1107064</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>1051631</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>986490</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>993316</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>982945</CurrentTaxYear>
        <Total>5121446</Total>
      </Total509>
      <AmtsRecdFromDisqualPersons>
        <Total>0</Total>
      </AmtsRecdFromDisqualPersons>
      <AmtsFromSubstContributors>
        <Total>0</Total>
      </AmtsFromSubstContributors>
      <SupportFromDQPsEtc>
        <Total>0</Total>
      </SupportFromDQPsEtc>
      <PublicSupportTotal509>5121446</PublicSupportTotal509>
      <GrossInvestmentIncome509>
        <CurrentTaxYearMinus4Years>344247</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>329341</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>307656</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>285637</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>305441</CurrentTaxYear>
        <Total>1572322</Total>
      </GrossInvestmentIncome509>
      <InvestmentIncomeAndUBTI>
        <CurrentTaxYearMinus4Years>344247</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>329341</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>307656</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>285637</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>305441</CurrentTaxYear>
        <Total>1572322</Total>
      </InvestmentIncomeAndUBTI>
      <TotalSupportTotal>
        <CurrentTaxYearMinus4Years>1451311</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>1380972</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>1294146</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>1278953</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>1288386</CurrentTaxYear>
        <Total>6693768</Total>
      </TotalSupportTotal>
      <PublicSupportPercentage509>0.76510</PublicSupportPercentage509>
      <PriorYearSupportPercentage>0.76610</PriorYearSupportPercentage>
      <InvestmentIncomePercentage>0.23490</InvestmentIncomePercentage>
      <PriorYrInvestIncomePercentage>0.23390</PriorYrInvestIncomePercentage>
      <ThirtyThreePercntTestsCY509>X</ThirtyThreePercntTestsCY509>
    </IRS990ScheduleA>
    <IRS990ScheduleB documentId="RetDoc1234500001">
      <ContributorInfo>
        <ContributorNumber>RESTRICTED</ContributorNumber>
        <ContributorNameBusiness>
          <BusinessNameLine1>RESTRICTED</BusinessNameLine1>
        </ContributorNameBusiness>
        <ContributorAddressUS>
          <AddressLine1>RESTRICTED</AddressLine1>
          <AddressLine2>RESTRICTED</AddressLine2>
          <City>RESTRICTED</City>
          <State>RESTRICTED</State>
          <ZIPCode>RESTRICTED</ZIPCode>
        </ContributorAddressUS>
        <AggregateContributions>RESTRICTED</AggregateContributions>
      </ContributorInfo>
    </IRS990ScheduleB>
    <IRS990ScheduleD documentId="RetDoc1040000001">
      <Equipment>
        <InvestmentCostOrOtherBasis>136290</InvestmentCostOrOtherBasis>
        <Depreciation>71813</Depreciation>
        <BookValue>64477</BookValue>
      </Equipment>
      <TotalOfBookValueLandBuildings>64477</TotalOfBookValueLandBuildings>
      <OtherAssets>
        <Description>FUNDS HELD IN TRUST</Description>
        <BookValue>929993</BookValue>
      </OtherAssets>
      <OtherAssets>
        <Description>PROPERTY HELD IN LIEU OF FORCLOSURE</Description>
        <BookValue>53574</BookValue>
      </OtherAssets>
      <OtherAssets>
        <Description>PROPERTY HELD FOR RESALE</Description>
        <BookValue>215711</BookValue>
      </OtherAssets>
      <TotalBookValueOtherAssets>1199278</TotalBookValueOtherAssets>
      <OtherLiabilities>
        <Description>FUNDS HELD IN TRUST</Description>
        <Amount>929993</Amount>
      </OtherLiabilities>
      <TotalOfAmounts>929993</TotalOfAmounts>
      <TotRevenueEtcAuditedFinclStmt>1244338</TotRevenueEtcAuditedFinclStmt>
      <RevenueNotRptdF990>0</RevenueNotRptdF990>
      <RevenueSubtotal>1244338</RevenueSubtotal>
      <RevenueNotRptdOnFinStmt>0</RevenueNotRptdOnFinStmt>
      <TotalRevenuePerForm990>1244338</TotalRevenuePerForm990>
      <TotExpensesEtcAuditedFinclStmt>0</TotExpensesEtcAuditedFinclStmt>
      <ExpensesNotRptdF990>0</ExpensesNotRptdF990>
      <ExpensesSubtotal>0</ExpensesSubtotal>
      <ExpensesNotRptdOnFinStmt>0</ExpensesNotRptdOnFinStmt>
      <TotalExpensesPerForm990>0</TotalExpensesPerForm990>
    </IRS990ScheduleD>
    <IRS990ScheduleO documentId="RetDoc1044400001">
      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION B, LINE 11</ReturnReference>
        <Explanation>THE BOARD HAS AUTHORIZED THE CHIEF EXECUTIVE OFFICER TO REVIEW , SIGN AND TRANSMIT THE FORM 990.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION B, LINE 12C</ReturnReference>
        <Explanation>CCD'S BOARD MEMBERS ARE ISSUED A MANUAL UPON JOINING THE BOARD. THE MANUAL AND RLF PLANS REQUIRE BOARD MEMBERS TO NOTIFY THE BOARD VERBALLY IF THEY HAVE A CONFLICT OF INTEREST ON ACTIONABLE ITEMS PRIOR TO DISCUSSION AND ABSTAIN FROM VOTING ON SUCH ITEMS.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION C, LINE 18</ReturnReference>
        <Explanation>GOVERNING DOCUMENTS ARE AVAILABLE FOR REVIEW UPON WRITTEN REQUEST.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <ReturnReference>FORM 990, PART VI, SECTION C, LINE 19</ReturnReference>
        <Explanation>CCD INFORMATION REGARDING FINANCIALS IS AVAILABLE UPON WRITTEN REQUEST.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>CHANGES IN NET ASSETS OR FUND BALANCES:</Identifier>
        <ReturnReference>FORM 990, PART XI, LINE 9:</ReturnReference>
        <Explanation>LOANS WRITTEN OFF -13,606. CHANGE IN ALLOWANCE FOR BAD DEBTS -4,402. CONTRIBUTED CAPITAL 135,000.</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
  </ReturnData>
</Return>