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                   MOLLY A. CARHART-WHRITNER
                  APPRAISER'S QUALIFICATIONS


PROFESSIONAL AFFILIATIONS:

     National Association of REALTORS
     New York State Association of REALTORS
     Orange County Association of REALTORS
	
     Appraisal Institute Affiliate Member
     New York State Society of Real Estate Appraisers
     Orange County Assessor's Association
     Mortgage Bankers Association of the Mid-Hudson Valley

     Certified Real Estate Residential Appraiser - #45-0117


EDUCATION:

     Orange County Community College - Middletown, New York
          Associates in Applied Science Degree in Real Estate

     Appraisal Institute Courses and Seminars:
          Course 101 - Introduction to Appraising Real Property
          Course 102 - Applied Residential Property Valuation

     National Association of Real Estate Appraisers:
          Appraisal Standards of Professional Practice and Ethics

     Orange County Community College:
          Real Estate I, Real II, Investment Real Estate, and
          Real Estate Appraisal.

     Mortgage Bankers Association of the Mid-Hudson Valley:
          Small Residential Income Appraisal Report

     Independent REALTORS Professional Training Program

     Orange County Association of REALTORS:
          The Cost Approach

     Appraisal Institute -
          How to Complete NYS FHA Appraisal (NYS Code 0424-02)

     Appraisal Institute -
          Appraising High Value and Historic Homes
          (NYS Code 0537-07)


     Appraisal Institute -
          Standards of Professional Practice and Ethics - Part A,
          USAP (NYS Code E/S)


EDUCATOR EXPERIENCE:

     Instructor - 
          Orange County Community College, Orange County
          Association of Realtors and Westchester County
          Association of Realtors - Courses R-I, R-II, R-III, R4,
          Standards of Professional Practice and Ethics and
          Several Seminars


EXPERIENCE REAL ESTATE:

     11/93 to Present
     Valuation Consultants, Inc., Newburgh, New York
          Staff Appraiser

     1987 to 11/93
     Carhart Appraisal Company, Newburgh, New York
          Acquired ownership shares in 1990 and became corporate
          President and General Manager of the company thereafter


APPRAISAL EXPERIENCE:

Has appraised all types of residential properties, condominiums,
multi family residences, vacant land, commercial and industrial
properties.

Has performed property analysis and appraisal for private and
corporate investors, financial institutions, attorneys, major
corporations, home transfer companies, municipalities and various
other lenders. Here listed are a few:


A.	GENERAL

     Citibank
     First Fidelity (formerly Mid Hudson Savings Bank)
     Fleet Bank
     Hudson Heritage Federal Credit Union
     Key Bank
     M & T Bank
     Parkway Mortgage
     Pawling Savings Bank
     Residential Mortgage
     Walden Federal Savings and Loan


AREAS OF APPRAISAL EXPERIENCE - NEW YORK STATE

          COUNTIES:  Orange, Ulster and Rockland


          FACTUAL STATISTICAL AND REFERENCE INFORMATION

As an efficient appraisal firm, I also have access to the
following:

An up-to-date set of subdivision and tax map records.
An up-to-date set of area Zoning Maps and Ordinances.

City Maps showing existence of underground utilities.
Flood Hazard Boundary Maps.

Maintenance of sales transactions by subdivision and street name,
effective dates of sale and current listings.

Current community statistics referring to retail sales, bank
clearance, employment, transportation routes, construction
activity and mortgage recordings.