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                   THOMAS M. MCCHESNEY, SRA
                  APPRAISER'S QUALIFICATIONS


MEMBERSHIPS AND AFFILIATIONS:

     Member of Appraisal Institute - 
          Senior Residential Appraiser (SRA) Designation

     Certified Real Estate Residential Appraiser - #45-2845

     Appraisal Institute - 
          1997 President - Mid Hudson Chapter

     Appraisal Institute - 
          Regional Ethics and Counseling Panel 1995 - 1997


EDUCATION:

     Ramapo College of New Jersey, Mahwah, New Jersey
          Bachelor of Science                         1985
          Major:  Business Administration
          Concentration:  Economics / Finance

     County College of Morris, Randolf, New Jersey
          Associates of Arts                          1982
          Major:  Business Administration

     American Institute of Real Estate Appraisers
          Real Estate Appraisal Principles            1987

     American Institute of Real Estate Appraisers
          Residential Valuation                       1988

     American Institute of Real Estate Appraisers	
          Standards of Professional Practice          1989

     American Institute of Real Estate Appraisers
          Basic Valuation Procedures                  1989

     Appraisal Institute
          Capitalization Theory and
          Techniques - Part A                         1992

     Appraisal Institute
          Standards of Professional Practice - Part A 1997
          Standards of Professional Practice - Part B 1997


SEMINARS:

     Society of Real Estate Appraisers
          Standards of Professional Practice          1989

     Appraisal Institute
          Valuing Land When There Are No Comparables  1993
	
     Appraisal Institute
          Preparation of Tax Certiorari               1993

     Appraisal Institute
          New URAR                                    1993

     Appraisal Institute
          Valuation by Subdivision Analysis           1994

     Appraisal Institute
          Appraisal Reporting of Complex
          Residential Properties                      1994

     Appraisal Institute
          Appraisal Review - Residential Properties   1994

     Appraisal Institute
          Understanding Limited Appraisals            1994

     Independent Fee Appraisers
          Basic Residential HUD Requirements          1995

     Appraisal Institute
          Litigation Appraising - Part 1 - Current
          Issues in Tax Certiorari                    1995

     Appraisal Institute
          New York State FHA Appraisals               1996
	
     Appraisal Institute
          Appraising High Value and Historic Homes    1996	

     Appraisal Institute
          Special Purpose Properties: The Challenge 
          Of R.E. Appraising in Limited Markets       1996

     Appraisal Institute
          Current Issues in Tax Certiorari            1997

     Appraisal Institute
          Planning Boards, Land Use Control and 
          Zoning Board of Appeals                     1997


     Appraisal Institute
          Attacking and Defending an Appraisal        1998

     Appraisal Institute
          Unsyndicated partial Interest Appraisals    1998

     Appraisal Institute
          Emerging Technologies Forum                 1998


EXPERIENCE REAL ESTATE:

     3/93 to Present
     Valuation Consultants, Inc., Newburgh, New York
          Owner and Senior Residential Appraiser/Manager

     3/86 to 3/93
     Appraisal Services, Newburgh, New York
          Senior Appraiser

     7/85 to 3/86
     Anchor Mortgage Services, Inc., Wayne, New Jersey
          Post Closing Mortgage Reviewer

     8/82 to 9/84
     Louis F. McChesney Appraisal, Sparta, New Jersey
          Appraiser Assistant


APPRAISAL EXPERIENCE:

Has appraised all types of residential properties, condominiums
and multi family residences.

Has performed property analysis and appraisal for private and
corporate investors, financial institutions, attorneys, major
corporations, home transfer companies and others.  Here listed
are a few selected employers:

A:	GENERAL
     Bank of New York
     Churchill Mortgage
     Citibank, N.A.
     Coldwell Relocation Management Services, Inc.
     Dale Mortgage Bankers Corp.
     First Fidelity 
     First Mortgage
     Fleet Mortgage 
     GMAC
     Homequity Relocation
     J. Betts Financial Services
     Key Bank of New York
     Keycorp
     Lakeland State Bank
     M & T Bank
     Merrill Lynch Relocation
     Mid Hudson Mortgage
     Middletown Savings Bank
     Mortgage Consultants, Inc.
     National Standard Mortgage
     New York State Facilities Development Corp.
     Orange County Funding
     Pawling Savings Bank
     Personal Mortgage Corp.
     Poughkeepsie Savings Bank
     Prudential Relocation
     Residential Mortgage Banking, Inc.
     Rhinebeck Savings Bank
     The Boston Company
     The First Westchester Capital Group, Inc.
     Travelers Relocation
     Ulster Savings Bank
     Walden Savings Bank
     Warwick Savings Bank
     Walden Federal Savings Bank
     Center Bank
     Home Federal Savings Bank (New York Bank Corp. Co.)
     Citibank Private Banking
     Remax International Relocation
     Ellenville National Bank
     Cossland Mortgage Corp.
     Commonwealth United Mortage (Bank United Mortgage)
     American Home Funding
     Loan America
     Fist Town Mortgage Corp.
     Spectrum Home Mortgage (Marine Midland Mortgage Corp.)
     Home Funding
     First Security Savings Bank
     Oceanmark Bank

B.	AREAS OF APPRAISAL EXPERIENCE - NEW YORK STATE

     COUNTIES:  Orange, Dutchess, Putnam, Ulster, Rockland,
                Westchester and Sullivan


        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. Multiple Listing Services of
Sullivan, Ulster, The Greater Mid Hudson, The Mid Hudson and
Westchester.