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                        MARCIA SAFFIOTI
                  APPRAISER'S QUALIFICATIONS

EDUCATION:

     William Patterson College, Wayne, New Jersey
          B.S. Degree                                  1980

     Society of Real Estate Appraisers - 			
          Course 101 - Appraisal Fundamentals          1988

     Society of Real Estate Appraisers - 
          Course 102 - Applied Property Valuation      1989

     Society of Real Estate Appraisers - 
          Standards and Ethics                         1989

     Appraisal Institute -
          Standards of Professional Practice - Part A  1991

     Appraisal Institute -
          Appraising the Tough Ones                    1992

     Appraisal Institute -
          Standards of Professional Practice - Part B  1993

     Appraisal Institute -
          Alternative Residential Reporting
          Forms NY State Code (0517-07)                9/96
 
SEMINARS:

     Appraisal Institute - 
          Consideration of Environmental Hazards
          in Real Estate Valuation                     1994

     Appraisal Institute -
          Appraisal Reporting of Complex
          Residential Properties                       1994

     Appraisal Institute -
          Residential Property 
          Construction and Inspection                  4/95


     Appraisal Institute - 
          How to Appraise FHA Insured Property         5/95


PROFESSIONAL ASSOCIATIONS:

     Candidate Member - Senior Residential Appraiser (SRA)

     Appraisal Institute, Chicago, Illinois -
          Certified Real Estate Residential Appraiser
          License Number 45-2851


EMPLOYMENT HISTORY:

     Valuation Consultants, Inc., Newburgh, New York
          Senior Appraiser                   3/93 to Present

     Appraisal Services Company, Newburgh, New York
          Real Estate Appraiser              4/88 to 3/93


     Has appraised all types of residential property, including
single and multi family dwellings, condominiums, townhouses,
vacant land, and building lots throughout Orange County, New
York, continuously since 1988.  Completes approximately 300
appraisals per year for various clients.


A.	GENERAL

     Bank of New York
     Chase Manhattan Mortgage
     Citibank, N.A.
     Citibank Private Banking
     Dale Mortgage
     Federal Standard
     First Fidelity (Mid Hudson Savings Bank)
     Fleet Bank (Norstar Bank)
     Fleet Mortgage (Norstar Mortgage)
     GMAC
     Home Federal
     Home Funding
     Intercounty Mortgage
     Key Bank
     M & T Bank
     Marine Midland Bank
     Marrus Consultants
     Midlantic Home Mortgage Corporation
     Mortgage Consultants
     MSB Bank
     National Standard Mortgage
     New York State Facilities Development Corp.
     Orange County Funding (Gentry)
     Pawling Savings Bank
     Poughkeepsie Savings Bank
     Residential Mortgage
     Rhinebeck Savings
     The Boston Company
     The First Westchester Capital Group
     Town of Chester
     Walden Savings Bank
     Warwick Savings Bank
     Webster Bank

B.	ATTORNEYS

     DiNardo, Gilmartin and Burke
     Frank McCue
     Peter Botti
     Drake, Sommers, Loeb, Tarshis and Catania
     Hankin, Hanig, Stall and Caplicki


C.	AREAS OF APPRAISAL EXPERIENCE - NEW YORK STATE

         COUNTIES:  Orange, Ulster, Rockland 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.