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            <State>FL</State>
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            <State>FL</State>
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            <State>FL</State>
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            <State>FL</State>
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            <State>FL</State>
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        <SubtotalsPartXVIA>
          <ExclusionAmount>8115</ExclusionAmount>
        </SubtotalsPartXVIA>
        <TotalPartXVIA>8115</TotalPartXVIA>
      </AnalysisIncomeProducingActy>
      <TrnsfrTrRlnWithNoncharitableEO>
        <TrnsfrOfCashToNoncharitableEO>false</TrnsfrOfCashToNoncharitableEO>
        <TrnsfrOthAssetsNoncharitableEO>false</TrnsfrOthAssetsNoncharitableEO>
        <SalesOrExchangesOfAssets>false</SalesOrExchangesOfAssets>
        <PurchaseAssetsNoncharitableEO>false</PurchaseAssetsNoncharitableEO>
        <RentalOfFacilitiesEtc>false</RentalOfFacilitiesEtc>
        <ReimbursementArrangements>false</ReimbursementArrangements>
        <LoansOrLoanGuarantees>false</LoansOrLoanGuarantees>
        <PerformanceOfServicesEtc>false</PerformanceOfServicesEtc>
        <SharingOfFacilitiesEtc>false</SharingOfFacilitiesEtc>
        <RelationshipsNoncharitableEOs>false</RelationshipsNoncharitableEOs>
      </TrnsfrTrRlnWithNoncharitableEO>
    </IRS990PF>
    <InvestmentsCorpStockSchedule documentId="00000002">
      <InvestmentsCorpStock>
        <NameOfStock>ALCATEL-LUCENT ADS</NameOfStock>
        <EOYBookValue>13581</EOYBookValue>
        <EOYFMV>231</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>ALTRIA GROUP INC</NameOfStock>
        <EOYBookValue>3360</EOYBookValue>
        <EOYFMV>7386</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>AT &amp; T INC</NameOfStock>
        <EOYBookValue>7557</EOYBookValue>
        <EOYFMV>3408</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>BRISTOL MYERS SQUIBB CO</NameOfStock>
        <EOYBookValue>15434</EOYBookValue>
        <EOYFMV>5296</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>CHEVRON CORP</NameOfStock>
        <EOYBookValue>11313</EOYBookValue>
        <EOYFMV>28105</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>DISNEY (WALT) CO</NameOfStock>
        <EOYBookValue>12502</EOYBookValue>
        <EOYFMV>15004</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>EXXON MOBIL CORP</NameOfStock>
        <EOYBookValue>11388</EOYBookValue>
        <EOYFMV>21936</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>FRONTIER COMMUNICATIONS CO</NameOfStock>
        <EOYBookValue>581</EOYBookValue>
        <EOYFMV>671</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>GENERAL ELECTRIC</NameOfStock>
        <EOYBookValue>29495</EOYBookValue>
        <EOYFMV>10974</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>JOHNSON &amp; JOHNSON COM</NameOfStock>
        <EOYBookValue>13230</EOYBookValue>
        <EOYFMV>12370</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>JP MORGAN CHASE &amp; CO</NameOfStock>
        <EOYBookValue>14129</EOYBookValue>
        <EOYFMV>12726</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>KRAFT FOODS</NameOfStock>
        <EOYBookValue>3449</EOYBookValue>
        <EOYFMV>6523</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>LSI CORP</NameOfStock>
        <EOYBookValue>320</EOYBookValue>
        <EOYFMV>126</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>MERCK &amp; CO</NameOfStock>
        <EOYBookValue>10157</EOYBookValue>
        <EOYFMV>7208</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>PFIZER INC</NameOfStock>
        <EOYBookValue>21678</EOYBookValue>
        <EOYFMV>16057</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>PHILIP MORRIS INTL INC</NameOfStock>
        <EOYBookValue>7659</EOYBookValue>
        <EOYFMV>17559</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>SOLUTIA INC</NameOfStock>
        <EOYBookValue>848</EOYBookValue>
        <EOYFMV>1</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>VERIZON COMMUNICATIONS</NameOfStock>
        <EOYBookValue>9150</EOYBookValue>
        <EOYFMV>10376</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>WAL MART STORES, INC</NameOfStock>
        <EOYBookValue>2700</EOYBookValue>
        <EOYFMV>16179</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>WELLS FARGO (WACHOVIA)</NameOfStock>
        <EOYBookValue>26667</EOYBookValue>
        <EOYFMV>3068</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>3M COMPANY</NameOfStock>
        <EOYBookValue>16233</EOYBookValue>
        <EOYFMV>17260</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>BLACKROCK GL OPPS EQ</NameOfStock>
        <EOYBookValue>15033</EOYBookValue>
        <EOYFMV>10937</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>BLACKROCK CREDIT</NameOfStock>
        <EOYBookValue>15341</EOYBookValue>
        <EOYFMV>9830</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>INVESCO TECHNOLOGY</NameOfStock>
        <EOYBookValue>2590</EOYBookValue>
        <EOYFMV>2951</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>JOHN HANCOCK BANK AND T.O.</NameOfStock>
        <EOYBookValue>6190</EOYBookValue>
        <EOYFMV>2157</EOYFMV>
      </InvestmentsCorpStock>
      <InvestmentsCorpStock>
        <NameOfStock>MSIF EQUITY GROWTH FUND</NameOfStock>
        <EOYBookValue>21224</EOYBookValue>
        <EOYFMV>14599</EOYFMV>
      </InvestmentsCorpStock>
    </InvestmentsCorpStockSchedule>
    <OtherAssetsSchedule documentId="00000003">
      <OtherAssets>
        <Description>PREPAID FEDERAL TAX</Description>
        <BOYBookValue>172</BOYBookValue>
        <EOYBookValue>347</EOYBookValue>
        <EOYFMV>347</EOYFMV>
      </OtherAssets>
    </OtherAssetsSchedule>
    <OtherAssetsSchedule documentId="00000004">
      <OtherAssets>
        <Description>PREPAID FEDERAL TAX</Description>
        <BOYBookValue>172</BOYBookValue>
        <EOYBookValue>347</EOYBookValue>
        <EOYFMV>347</EOYFMV>
      </OtherAssets>
    </OtherAssetsSchedule>
    <OtherAssetsSchedule documentId="00000005">
      <OtherAssets>
        <Description>PREPAID FEDERAL TAX</Description>
        <BOYBookValue>172</BOYBookValue>
        <EOYBookValue>347</EOYBookValue>
        <EOYFMV>347</EOYFMV>
      </OtherAssets>
    </OtherAssetsSchedule>
    <OtherDecreasesSchedule documentId="00000006">
      <OtherDecreases>
        <Description>SECURITIES BASIS ADJUSTMENTS</Description>
        <Amount>6052</Amount>
      </OtherDecreases>
    </OtherDecreasesSchedule>
    <OtherExpensesSchedule documentId="00000007">
      <OtherExpenses>
        <Description>BANK CHARGES</Description>
        <RevenueAndExpensesPerBooks>140</RevenueAndExpensesPerBooks>
        <NetInvestmentIncome>125</NetInvestmentIncome>
        <DisbursementsCharitablePrps>15</DisbursementsCharitablePrps>
      </OtherExpenses>
    </OtherExpensesSchedule>
    <TaxesSchedule documentId="00000008">
      <Taxes>
        <Category>EXCISE TAX</Category>
        <Amount>75</Amount>
      </Taxes>
    </TaxesSchedule>
  </ReturnData>
</Return>