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      <IndivRcvdGreaterThan100KCnt>0</IndivRcvdGreaterThan100KCnt>
      <FormerOfcrEmployeesListedInd>0</FormerOfcrEmployeesListedInd>
      <TotalCompGreaterThan150KInd>0</TotalCompGreaterThan150KInd>
      <CompensationFromOtherSrcsInd>0</CompensationFromOtherSrcsInd>
      <CntrctRcvdGreaterThan100KCnt>0</CntrctRcvdGreaterThan100KCnt>
      <FundraisingAmt>110039</FundraisingAmt>
      <AllOtherContributionsAmt>997791</AllOtherContributionsAmt>
      <TotalContributionsAmt>1107830</TotalContributionsAmt>
      <ProgramServiceRevenueGrp>
        <Desc>RESALE STORE GROSS REC</Desc>
        <BusinessCd>459910</BusinessCd>
        <TotalRevenueColumnAmt>519741</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>519741</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>SALE TO HOMEOWNERS</Desc>
        <BusinessCd>531390</BusinessCd>
        <TotalRevenueColumnAmt>444666</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>444666</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>MORTGAGE DISCOUNT AMOR</Desc>
        <BusinessCd>522292</BusinessCd>
        <TotalRevenueColumnAmt>136443</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>136443</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <TotalOthProgramServiceRevGrp>
        <TotalRevenueColumnAmt>7400</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>7400</RelatedOrExemptFuncIncomeAmt>
      </TotalOthProgramServiceRevGrp>
      <TotalProgramServiceRevenueAmt>1108250</TotalProgramServiceRevenueAmt>
      <InvestmentIncomeGrp>
        <TotalRevenueColumnAmt>36463</TotalRevenueColumnAmt>
        <UnrelatedBusinessRevenueAmt>36463</UnrelatedBusinessRevenueAmt>
      </InvestmentIncomeGrp>
      <FundraisingGrossIncomeAmt>22500</FundraisingGrossIncomeAmt>
      <ContriRptFundraisingEventAmt>110039</ContriRptFundraisingEventAmt>
      <FundraisingDirectExpensesAmt>5460</FundraisingDirectExpensesAmt>
      <NetIncmFromFundraisingEvtGrp>
        <TotalRevenueColumnAmt>17040</TotalRevenueColumnAmt>
        <ExclusionAmt>17040</ExclusionAmt>
      </NetIncmFromFundraisingEvtGrp>
      <OtherRevenueMiscGrp>
        <Desc>OTHER NON-PROGRAM INCO</Desc>
        <BusinessCd>900099</BusinessCd>
        <TotalRevenueColumnAmt>35068</TotalRevenueColumnAmt>
        <UnrelatedBusinessRevenueAmt>35068</UnrelatedBusinessRevenueAmt>
      </OtherRevenueMiscGrp>
      <OtherRevenueTotalAmt>35068</OtherRevenueTotalAmt>
      <TotalRevenueGrp>
        <TotalRevenueColumnAmt>2304651</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>1108250</RelatedOrExemptFuncIncomeAmt>
        <UnrelatedBusinessRevenueAmt>71531</UnrelatedBusinessRevenueAmt>
        <ExclusionAmt>17040</ExclusionAmt>
      </TotalRevenueGrp>
      <GrantsToDomesticIndividualsGrp>
        <TotalAmt>10300</TotalAmt>
        <ProgramServicesAmt>10300</ProgramServicesAmt>
      </GrantsToDomesticIndividualsGrp>
      <FeesForServicesLegalGrp>
        <TotalAmt>8751</TotalAmt>
        <ManagementAndGeneralAmt>8751</ManagementAndGeneralAmt>
      </FeesForServicesLegalGrp>
      <FeesForServicesAccountingGrp>
        <TotalAmt>23697</TotalAmt>
        <ManagementAndGeneralAmt>23697</ManagementAndGeneralAmt>
      </FeesForServicesAccountingGrp>
      <AdvertisingGrp>
        <TotalAmt>7360</TotalAmt>
        <ProgramServicesAmt>3120</ProgramServicesAmt>
        <ManagementAndGeneralAmt>4240</ManagementAndGeneralAmt>
      </AdvertisingGrp>
      <OfficeExpensesGrp>
        <TotalAmt>14740</TotalAmt>
        <ProgramServicesAmt>12408</ProgramServicesAmt>
        <ManagementAndGeneralAmt>2332</ManagementAndGeneralAmt>
      </OfficeExpensesGrp>
      <OccupancyGrp>
        <TotalAmt>45035</TotalAmt>
        <ProgramServicesAmt>45035</ProgramServicesAmt>
      </OccupancyGrp>
      <TravelGrp>
        <TotalAmt>2871</TotalAmt>
        <ProgramServicesAmt>2871</ProgramServicesAmt>
      </TravelGrp>
      <InterestGrp>
        <TotalAmt>24834</TotalAmt>
        <ProgramServicesAmt>24834</ProgramServicesAmt>
      </InterestGrp>
      <PaymentsToAffiliatesGrp>
        <TotalAmt>47700</TotalAmt>
        <ProgramServicesAmt>47700</ProgramServicesAmt>
      </PaymentsToAffiliatesGrp>
      <DepreciationDepletionGrp>
        <TotalAmt>22311</TotalAmt>
        <ManagementAndGeneralAmt>22311</ManagementAndGeneralAmt>
      </DepreciationDepletionGrp>
      <OtherExpensesGrp>
        <Desc>COST OF HOME SALES/CONS</Desc>
        <TotalAmt>514762</TotalAmt>
        <ProgramServicesAmt>514762</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>MORTGAGE DISCOUNT EXPEN</Desc>
        <TotalAmt>234471</TotalAmt>
        <ProgramServicesAmt>234471</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>EXPENSES - OTHER</Desc>
        <TotalAmt>74804</TotalAmt>
        <ProgramServicesAmt>74804</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>MORTGAGE SERVICING FEE</Desc>
        <TotalAmt>15005</TotalAmt>
        <ProgramServicesAmt>15005</ProgramServicesAmt>
      </OtherExpensesGrp>
      <AllOtherExpensesGrp>
        <TotalAmt>8689</TotalAmt>
        <ProgramServicesAmt>8689</ProgramServicesAmt>
      </AllOtherExpensesGrp>
      <TotalFunctionalExpensesGrp>
        <TotalAmt>1055330</TotalAmt>
        <ProgramServicesAmt>993999</ProgramServicesAmt>
        <ManagementAndGeneralAmt>61331</ManagementAndGeneralAmt>
        <FundraisingAmt>0</FundraisingAmt>
      </TotalFunctionalExpensesGrp>
      <CashNonInterestBearingGrp>
        <BOYAmt>243143</BOYAmt>
        <EOYAmt>334598</EOYAmt>
      </CashNonInterestBearingGrp>
      <SavingsAndTempCashInvstGrp>
        <BOYAmt>880066</BOYAmt>
        <EOYAmt>1466364</EOYAmt>
      </SavingsAndTempCashInvstGrp>
      <AccountsReceivableGrp>
        <BOYAmt>20474</BOYAmt>
        <EOYAmt>65392</EOYAmt>
      </AccountsReceivableGrp>
      <OthNotesLoansReceivableNetGrp>
        <BOYAmt>1813145</BOYAmt>
        <EOYAmt>1844588</EOYAmt>
      </OthNotesLoansReceivableNetGrp>
      <InventoriesForSaleOrUseGrp>
        <BOYAmt>555706</BOYAmt>
        <EOYAmt>1051340</EOYAmt>
      </InventoriesForSaleOrUseGrp>
      <LandBldgEquipCostOrOtherBssAmt>777510</LandBldgEquipCostOrOtherBssAmt>
      <LandBldgEquipAccumDeprecAmt>437854</LandBldgEquipAccumDeprecAmt>
      <LandBldgEquipBasisNetGrp>
        <BOYAmt>355125</BOYAmt>
        <EOYAmt>339656</EOYAmt>
      </LandBldgEquipBasisNetGrp>
      <OtherAssetsTotalGrp>
        <BOYAmt>4971</BOYAmt>
        <EOYAmt>5187</EOYAmt>
      </OtherAssetsTotalGrp>
      <TotalAssetsGrp>
        <BOYAmt>3872630</BOYAmt>
        <EOYAmt>5107125</EOYAmt>
      </TotalAssetsGrp>
      <AccountsPayableAccrExpnssGrp>
        <BOYAmt>18689</BOYAmt>
        <EOYAmt>14611</EOYAmt>
      </AccountsPayableAccrExpnssGrp>
      <UnsecuredNotesLoansPayableGrp>
        <BOYAmt>300000</BOYAmt>
        <EOYAmt>286866</EOYAmt>
      </UnsecuredNotesLoansPayableGrp>
      <OtherLiabilitiesGrp>
        <BOYAmt>2500</BOYAmt>
        <EOYAmt>33200</EOYAmt>
      </OtherLiabilitiesGrp>
      <TotalLiabilitiesGrp>
        <BOYAmt>321189</BOYAmt>
        <EOYAmt>334677</EOYAmt>
      </TotalLiabilitiesGrp>
      <OrganizationFollowsFASB117Ind>X</OrganizationFollowsFASB117Ind>
      <NoDonorRestrictionNetAssetsGrp>
        <BOYAmt>3519560</BOYAmt>
        <EOYAmt>4697522</EOYAmt>
      </NoDonorRestrictionNetAssetsGrp>
      <DonorRestrictionNetAssetsGrp>
        <BOYAmt>31881</BOYAmt>
        <EOYAmt>74926</EOYAmt>
      </DonorRestrictionNetAssetsGrp>
      <TotalNetAssetsFundBalanceGrp>
        <BOYAmt>3551441</BOYAmt>
        <EOYAmt>4772448</EOYAmt>
      </TotalNetAssetsFundBalanceGrp>
      <TotLiabNetAssetsFundBalanceGrp>
        <BOYAmt>3872630</BOYAmt>
        <EOYAmt>5107125</EOYAmt>
      </TotLiabNetAssetsFundBalanceGrp>
      <InfoInScheduleOPartXIInd>X</InfoInScheduleOPartXIInd>
      <ReconcilationRevenueExpnssAmt>1249321</ReconcilationRevenueExpnssAmt>
      <NetUnrlzdGainsLossesInvstAmt>-28317</NetUnrlzdGainsLossesInvstAmt>
      <OtherChangesInNetAssetsAmt>3</OtherChangesInNetAssetsAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>0</AccountantCompileOrReviewInd>
      <FSAuditedInd>0</FSAuditedInd>
      <FederalGrantAuditRequiredInd>0</FederalGrantAuditRequiredInd>
    </IRS990>
    <IRS990ScheduleA documentId="RetDoc1039100001">
      <PublicOrganization170Ind>X</PublicOrganization170Ind>
      <GiftsGrantsContriRcvd170Grp>
        <CurrentTaxYearMinus4YearsAmt>149815</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>169568</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>103675</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>288299</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>1130330</CurrentTaxYearAmt>
        <TotalAmt>1841687</TotalAmt>
      </GiftsGrantsContriRcvd170Grp>
      <TotalCalendarYear170Grp>
        <CurrentTaxYearMinus4YearsAmt>149815</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>169568</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>103675</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>288299</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>1130330</CurrentTaxYearAmt>
        <TotalAmt>1841687</TotalAmt>
      </TotalCalendarYear170Grp>
      <SubstantialContributorsTotAmt>124272</SubstantialContributorsTotAmt>
      <PublicSupportTotal170Amt>1717415</PublicSupportTotal170Amt>
      <GrossInvestmentIncome170Grp>
        <CurrentTaxYearMinus4YearsAmt>9949</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>3607</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>1482</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearAmt>36463</CurrentTaxYearAmt>
        <TotalAmt>51501</TotalAmt>
      </GrossInvestmentIncome170Grp>
      <TotalSupportAmt>1893188</TotalSupportAmt>
      <PublicSupportCY170Pct>0.90720</PublicSupportCY170Pct>
      <PublicSupportPY170Pct>0.79600</PublicSupportPY170Pct>
      <ThirtyThrPctSuprtTestsCY170Ind>X</ThirtyThrPctSuprtTestsCY170Ind>
    </IRS990ScheduleA>
    <IRS990ScheduleB documentId="RetDoc1234500001">
      <ContributorInformationGrp>
        <ContributorNum>RESTRICTED</ContributorNum>
        <ContributorBusinessName>
          <BusinessNameLine1>RESTRICTED</BusinessNameLine1>
        </ContributorBusinessName>
        <ContributorUSAddress>
          <AddressLine1>RESTRICTED</AddressLine1>
          <AddressLine2>RESTRICTED</AddressLine2>
          <City>RESTRICTED</City>
          <State>RESTRICTED</State>
          <ZIPCode>RESTRICTED</ZIPCode>
        </ContributorUSAddress>
        <TotalContributionsAmt>RESTRICTED</TotalContributionsAmt>
      </ContributorInformationGrp>
    </IRS990ScheduleB>
    <IRS990ScheduleD documentId="RetDoc1040000001">
      <LandGrp>
        <OtherCostOrOtherBasisAmt>192751</OtherCostOrOtherBasisAmt>
        <BookValueAmt>192751</BookValueAmt>
      </LandGrp>
      <OtherLandBuildingsGrp>
        <OtherCostOrOtherBasisAmt>584759</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>437854</DepreciationAmt>
        <BookValueAmt>146905</BookValueAmt>
      </OtherLandBuildingsGrp>
      <TotalBookValueLandBuildingsAmt>339656</TotalBookValueLandBuildingsAmt>
      <OtherLiabilitiesOrgGrp>
        <Desc>OCL - HOME DEPOSITS AND DOWNPAYMENT</Desc>
        <Amt>3200</Amt>
      </OtherLiabilitiesOrgGrp>
      <OtherLiabilitiesOrgGrp>
        <Desc>HURRICAN HELENE RELIEF PROGRAM</Desc>
        <Amt>30000</Amt>
      </OtherLiabilitiesOrgGrp>
      <TotalLiabilityAmt>33200</TotalLiabilityAmt>
    </IRS990ScheduleD>
    <IRS990ScheduleG documentId="RetDoc1041300001">
      <FundraisingEventInformationGrp>
        <Event1Nm>TASTE OF THE SOUTH</Event1Nm>
        <GrossReceiptsEvent1Amt>132539</GrossReceiptsEvent1Amt>
        <CharitableContriEvent1Amt>110039</CharitableContriEvent1Amt>
        <GrossRevenueEvent1Amt>22500</GrossRevenueEvent1Amt>
        <OtherDirectExpensesEvent1Amt>5460</OtherDirectExpensesEvent1Amt>
        <GrossReceiptsTotalAmt>132539</GrossReceiptsTotalAmt>
        <CharitableContributionsTotAmt>110039</CharitableContributionsTotAmt>
        <GrossRevenueTotalEventsAmt>22500</GrossRevenueTotalEventsAmt>
        <OthDirectExpnssTotalEventsAmt>5460</OthDirectExpnssTotalEventsAmt>
        <DirectExpenseSummaryEventsAmt>5460</DirectExpenseSummaryEventsAmt>
        <NetIncomeSummaryAmt>17040</NetIncomeSummaryAmt>
      </FundraisingEventInformationGrp>
    </IRS990ScheduleG>
    <IRS990ScheduleI documentId="RetDoc1041900001">
      <GrantRecordsMaintainedInd>0</GrantRecordsMaintainedInd>
      <GrantsOtherAsstToIndivInUSGrp>
        <GrantTypeTxt>EDUCATION GRANTS</GrantTypeTxt>
        <CashGrantAmt>10300</CashGrantAmt>
      </GrantsOtherAsstToIndivInUSGrp>
    </IRS990ScheduleI>
    <IRS990ScheduleO documentId="RetDoc1044400001">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION A, LINE 2</FormAndLineReferenceDesc>
        <ExplanationTxt>THERE IS A MARRIED COUPLE CURRENTLY SERVING ON THE BOARD. THEY ARE CINDY AND JOHN PRATER.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION A, LINE 7A</FormAndLineReferenceDesc>
        <ExplanationTxt>THE ORGANIZATION MAINTAINS A VOLUNTEER BOARD OF DIRECTORS THAT HAVE THE POWER TO ELECT OR APPOINT MEMBERS OF THE GOVERNING BODY.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION B, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE TREASURER AND ASSISTANT TREASURER CURRENTLY REVIEW THE 990 BEFORE IT IS SUBMITTED TO THE IRS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART VI, SECTION C, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>THE ORGANIZATION WILL PROVIDE THE GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND THE FINANCIAL STATEMENTS TO THE PUBLIC UPON WRITTEN REQUEST.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART XI, LINE 9:</FormAndLineReferenceDesc>
        <ExplanationTxt>ROUNDING 3.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>