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        <ReportableCompFromRelatedOrgs>0</ReportableCompFromRelatedOrgs>
        <OtherCompensation>12527</OtherCompensation>
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      <FormersListed>false</FormersListed>
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      <CompensationFromOtherSources>false</CompensationFromOtherSources>
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      <GrossIncomeFundraisingEvents>9600</GrossIncomeFundraisingEvents>
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        <ExclusionAmount>7320</ExclusionAmount>
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        <Fundraising>9276</Fundraising>
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        <ProgramServices>19067</ProgramServices>
        <ManagementAndGeneral>5684</ManagementAndGeneral>
        <Fundraising>994</Fundraising>
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        <ManagementAndGeneral>26604</ManagementAndGeneral>
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      <Advertising>
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        <ProgramServices>6069</ProgramServices>
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        <ProgramServices>14320</ProgramServices>
        <ManagementAndGeneral>3720</ManagementAndGeneral>
        <Fundraising>558</Fundraising>
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      <InformationTechnology>
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        <ManagementAndGeneral>1912</ManagementAndGeneral>
        <Fundraising>722</Fundraising>
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        <ProgramServices>17469</ProgramServices>
        <ManagementAndGeneral>4537</ManagementAndGeneral>
        <Fundraising>681</Fundraising>
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      <Travel>
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        <ProgramServices>9884</ProgramServices>
        <ManagementAndGeneral>2567</ManagementAndGeneral>
        <Fundraising>385</Fundraising>
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      <ConferencesMeetings>
        <Total>9594</Total>
        <ProgramServices>7387</ProgramServices>
        <ManagementAndGeneral>1919</ManagementAndGeneral>
        <Fundraising>288</Fundraising>
      </ConferencesMeetings>
      <DepreciationDepletion>
        <Total>6698</Total>
        <ProgramServices>5157</ProgramServices>
        <ManagementAndGeneral>1340</ManagementAndGeneral>
        <Fundraising>201</Fundraising>
      </DepreciationDepletion>
      <Insurance>
        <Total>2857</Total>
        <ManagementAndGeneral>2857</ManagementAndGeneral>
      </Insurance>
      <OtherExpenses>
        <Description>PROGRAM COSTS &amp; SUPPLIES</Description>
        <Total>20049</Total>
        <ProgramServices>20049</ProgramServices>
      </OtherExpenses>
      <OtherExpenses>
        <Description>EQUIPMENT RENT, MAINT</Description>
        <Total>7883</Total>
        <ProgramServices>6070</ProgramServices>
        <ManagementAndGeneral>1577</ManagementAndGeneral>
        <Fundraising>236</Fundraising>
      </OtherExpenses>
      <OtherExpenses>
        <Description>MISCELLANEOUS</Description>
        <Total>3066</Total>
        <ProgramServices>2362</ProgramServices>
        <ManagementAndGeneral>614</ManagementAndGeneral>
        <Fundraising>90</Fundraising>
      </OtherExpenses>
      <TotalFunctionalExpenses>
        <Total>712812</Total>
        <ProgramServices>512037</ProgramServices>
        <ManagementAndGeneral>180745</ManagementAndGeneral>
        <Fundraising>20030</Fundraising>
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      <CashNonInterestBearing>
        <BOY>354369</BOY>
        <EOY>314618</EOY>
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      <PledgesAndGrantsReceivable>
        <BOY>45000</BOY>
        <EOY>15000</EOY>
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        <BOY>22248</BOY>
        <EOY>37984</EOY>
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      <PrepaidExpensesDeferredCharges>
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        <EOY>5272</EOY>
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      <LandBuildingsEquipmentBasis>33953</LandBuildingsEquipmentBasis>
      <LandBldgEquipmentAccumDeprec>19142</LandBldgEquipmentAccumDeprec>
      <LandBuildingsEquipmentBasisNet>
        <BOY>15859</BOY>
        <EOY>14811</EOY>
      </LandBuildingsEquipmentBasisNet>
      <TotalAssets>
        <BOY>439431</BOY>
        <EOY>387685</EOY>
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      <AccountsPayableAccruedExpenses>
        <BOY>165180</BOY>
        <EOY>199995</EOY>
      </AccountsPayableAccruedExpenses>
      <DeferredRevenue>
        <BOY>172000</BOY>
        <EOY>68000</EOY>
      </DeferredRevenue>
      <TotalLiabilities>
        <BOY>337180</BOY>
        <EOY>267995</EOY>
      </TotalLiabilities>
      <FollowSFAS117>X</FollowSFAS117>
      <UnrestrictedNetAssets>
        <BOY>98251</BOY>
        <EOY>111690</EOY>
      </UnrestrictedNetAssets>
      <TemporarilyRestrictedNetAssets>
        <BOY>4000</BOY>
        <EOY>8000</EOY>
      </TemporarilyRestrictedNetAssets>
      <TotalNetAssetsFundBalances>
        <BOY>102251</BOY>
        <EOY>119690</EOY>
      </TotalNetAssetsFundBalances>
      <TotalLiabNetAssetsFundBalances>
        <BOY>439431</BOY>
        <EOY>387685</EOY>
      </TotalLiabNetAssetsFundBalances>
      <ReconcilationRevenueExpenses>17439</ReconcilationRevenueExpenses>
      <MethodOfAccountingAccrual>X</MethodOfAccountingAccrual>
      <AccountantCompileOrReview>false</AccountantCompileOrReview>
      <FSAudited>true</FSAudited>
      <FSAuditedBasis>
        <FinancialStatementSeparate>X</FinancialStatementSeparate>
      </FSAuditedBasis>
      <AuditCommittee>true</AuditCommittee>
      <FederalGrantAuditRequired>false</FederalGrantAuditRequired>
    </IRS990>
    <IRS990ScheduleA documentId="RetDoc3">
      <PubliclySupportedOrg509a2>X</PubliclySupportedOrg509a2>
      <GiftsGrantsContribReceived509>
        <CurrentTaxYearMinus4Years>566825</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>405853</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>348423</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>550668</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>722931</CurrentTaxYear>
        <Total>2594700</Total>
      </GiftsGrantsContribReceived509>
      <GrossReceiptsFromAdmissions>
        <CurrentTaxYearMinus3Years>18271</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>26755</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>20675</CurrentTaxYearMinus1Year>
        <Total>65701</Total>
      </GrossReceiptsFromAdmissions>
      <GrossReceiptsFromNonUBI>
        <CurrentTaxYearMinus4Years>4160</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus2Years>5500</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>7700</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>9600</CurrentTaxYear>
        <Total>26960</Total>
      </GrossReceiptsFromNonUBI>
      <Total509>
        <CurrentTaxYearMinus4Years>570985</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>424124</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>380678</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>579043</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>732531</CurrentTaxYear>
        <Total>2687361</Total>
      </Total509>
      <PublicSupportTotal509>2687361</PublicSupportTotal509>
      <TotalSupportTotal>
        <CurrentTaxYearMinus4Years>570985</CurrentTaxYearMinus4Years>
        <CurrentTaxYearMinus3Years>424124</CurrentTaxYearMinus3Years>
        <CurrentTaxYearMinus2Years>380678</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>579043</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>732531</CurrentTaxYear>
        <Total>2687361</Total>
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      <PublicSupportPercentage509>1.00000</PublicSupportPercentage509>
      <PriorYearSupportPercentage>1.00000</PriorYearSupportPercentage>
      <InvestmentIncomePercentage>0.00000</InvestmentIncomePercentage>
      <ThirtyThreePercntTestsCY509>X</ThirtyThreePercntTestsCY509>
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          <AddressLine2>RESTRICTED</AddressLine2>
          <City>RESTRICTED</City>
          <State>RESTRICTED</State>
          <ZIPCode>RESTRICTED</ZIPCode>
        </ContributorAddressUS>
        <AggregateContributions>RESTRICTED</AggregateContributions>
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        <Depreciation>2317</Depreciation>
        <BookValue>5583</BookValue>
      </LeaseholdImprovements>
      <Equipment>
        <OtherCostOrOtherBasis>26053</OtherCostOrOtherBasis>
        <Depreciation>16825</Depreciation>
        <BookValue>9228</BookValue>
      </Equipment>
      <TotalOfBookValueLandBuildings>14811</TotalOfBookValueLandBuildings>
      <TotRevenueEtcAuditedFinclStmt>730251</TotRevenueEtcAuditedFinclStmt>
      <RevenueSubtotal>730251</RevenueSubtotal>
      <TotalRevenuePerForm990>730251</TotalRevenuePerForm990>
      <TotExpensesEtcAuditedFinclStmt>712812</TotExpensesEtcAuditedFinclStmt>
      <ExpensesSubtotal>712812</ExpensesSubtotal>
      <TotalExpensesPerForm990>712812</TotalExpensesPerForm990>
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      <GeneralExplanation>
        <Identifier>ORGANIZATION'S PROCESS USED TO REVIEW FORM 990</Identifier>
        <ReturnReference>FORM 990, PAGE 6, PART VI, LINE 11B</ReturnReference>
        <Explanation>A DRAFT OF FORM 990 IS PROVIDED TO BOARD MEMBERS FOR REVIEW AND DISCUSSION PRIOR TO FILING WITH THE IRS.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>ENFORCEMENT OF CONFLICTS POLICY</Identifier>
        <ReturnReference>FORM 990, PAGE 6, PART VI, LINE 12C</ReturnReference>
        <Explanation>BOARD MEMBERS SIGN A CONFLICT OF INTEREST STATEMENT ANNUALLY.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>COMPENSATION PROCESS FOR TOP OFFICIAL</Identifier>
        <ReturnReference>FORM 990, PAGE 6, PART VI, LINE 15A</ReturnReference>
        <Explanation>THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS IS RESPONSIBLE FOR ESTABLISHING THE COMPENSATION OF THE EXECUTIVE DIRECTOR. THIS COMMITTEE REVIEWS THE JOB PERFORMANCE AND COMPENSATION OF THE EXECUTIVE DIRECTOR ON AN ANNUAL BASIS. COMPENSATION MUST BE DETERMINED BY REFERENCE TO WAGE AND SALARY SURVEYS OF SIMILAR SIZE ORGANIZATIONS IN THE REGION. COMPENSATION ADJUSTMENTS MUST BE APPROVED AND DULY NOTED IN THE MINUTES OF THE BOARD.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>GOVERNING DOCUMENTS DISCLOSURE EXPLANATION</Identifier>
        <ReturnReference>FORM 990, PAGE 6, PART VI, LINE 19</ReturnReference>
        <Explanation>DOCUMENTS ARE AVAILABLE TO PUBLIC UPON REQUEST OF MANAGEMENT.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>OTHER FEES FOR SERVICES</Identifier>
        <ReturnReference>FORM 990, PART IX, LINE 11G</ReturnReference>
        <Explanation>CONSUMER CREDIT COUNSELING 30,000 0 0 PUBLIC POLICY -GA. LEGAL SVCS 40,000 0 0 SERVICES - MISC. AGENCIES 14,000 0 0 RBA CONSULTANTS 0 20,513 0 GRANTS &amp; FUNDRAISING 0 1,000 0 PROGRAM ASSISTANCE 0 15,101 0</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
  </ReturnData>
</Return>