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      <OfficeExpensesGrp>
        <TotalAmt>1247</TotalAmt>
        <ManagementAndGeneralAmt>1247</ManagementAndGeneralAmt>
      </OfficeExpensesGrp>
      <OccupancyGrp>
        <TotalAmt>5664</TotalAmt>
        <ManagementAndGeneralAmt>5664</ManagementAndGeneralAmt>
      </OccupancyGrp>
      <ConferencesMeetingsGrp>
        <TotalAmt>657</TotalAmt>
        <ManagementAndGeneralAmt>657</ManagementAndGeneralAmt>
      </ConferencesMeetingsGrp>
      <DepreciationDepletionGrp>
        <TotalAmt>389</TotalAmt>
        <ProgramServicesAmt>214</ProgramServicesAmt>
        <ManagementAndGeneralAmt>175</ManagementAndGeneralAmt>
      </DepreciationDepletionGrp>
      <InsuranceGrp>
        <TotalAmt>3912</TotalAmt>
        <ManagementAndGeneralAmt>3912</ManagementAndGeneralAmt>
      </InsuranceGrp>
      <OtherExpensesGrp>
        <Desc>Discount on Mortgages I</Desc>
        <TotalAmt>120889</TotalAmt>
        <ProgramServicesAmt>120889</ProgramServicesAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>Annual fees &amp; license</Desc>
        <TotalAmt>3539</TotalAmt>
        <ManagementAndGeneralAmt>3539</ManagementAndGeneralAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>Subscriptions</Desc>
        <TotalAmt>1075</TotalAmt>
        <ManagementAndGeneralAmt>1075</ManagementAndGeneralAmt>
      </OtherExpensesGrp>
      <TotalFunctionalExpensesGrp>
        <TotalAmt>193193</TotalAmt>
        <ProgramServicesAmt>126712</ProgramServicesAmt>
        <ManagementAndGeneralAmt>66481</ManagementAndGeneralAmt>
        <FundraisingAmt>0</FundraisingAmt>
      </TotalFunctionalExpensesGrp>
      <CashNonInterestBearingGrp>
        <BOYAmt>62213</BOYAmt>
        <EOYAmt>50823</EOYAmt>
      </CashNonInterestBearingGrp>
      <SavingsAndTempCashInvstGrp>
        <BOYAmt>232879</BOYAmt>
        <EOYAmt>251483</EOYAmt>
      </SavingsAndTempCashInvstGrp>
      <LandBldgEquipCostOrOtherBssAmt>59391</LandBldgEquipCostOrOtherBssAmt>
      <LandBldgEquipAccumDeprecAmt>11202</LandBldgEquipAccumDeprecAmt>
      <LandBldgEquipBasisNetGrp>
        <BOYAmt>53678</BOYAmt>
        <EOYAmt>48189</EOYAmt>
      </LandBldgEquipBasisNetGrp>
      <OtherAssetsTotalGrp>
        <BOYAmt>693798</BOYAmt>
        <EOYAmt>727011</EOYAmt>
      </OtherAssetsTotalGrp>
      <TotalAssetsGrp>
        <BOYAmt>1042568</BOYAmt>
        <EOYAmt>1077506</EOYAmt>
      </TotalAssetsGrp>
      <AccountsPayableAccrExpnssGrp>
        <BOYAmt>11661</BOYAmt>
        <EOYAmt>7526</EOYAmt>
      </AccountsPayableAccrExpnssGrp>
      <OtherLiabilitiesGrp>
        <BOYAmt>25011</BOYAmt>
        <EOYAmt>31395</EOYAmt>
      </OtherLiabilitiesGrp>
      <TotalLiabilitiesGrp>
        <BOYAmt>36672</BOYAmt>
        <EOYAmt>38921</EOYAmt>
      </TotalLiabilitiesGrp>
      <OrganizationFollowsFASB117Ind>X</OrganizationFollowsFASB117Ind>
      <NoDonorRestrictionNetAssetsGrp>
        <BOYAmt>1005896</BOYAmt>
        <EOYAmt>1038585</EOYAmt>
      </NoDonorRestrictionNetAssetsGrp>
      <TotalNetAssetsFundBalanceGrp>
        <BOYAmt>1005896</BOYAmt>
        <EOYAmt>1038585</EOYAmt>
      </TotalNetAssetsFundBalanceGrp>
      <TotLiabNetAssetsFundBalanceGrp>
        <BOYAmt>1042568</BOYAmt>
        <EOYAmt>1077506</EOYAmt>
      </TotLiabNetAssetsFundBalanceGrp>
      <ReconcilationRevenueExpnssAmt>32689</ReconcilationRevenueExpnssAmt>
      <OtherChangesInNetAssetsAmt>0</OtherChangesInNetAssetsAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>0</AccountantCompileOrReviewInd>
      <FSAuditedInd>1</FSAuditedInd>
      <FSAuditedBasisGrp>
        <SeparateBasisFinclStmtInd>X</SeparateBasisFinclStmtInd>
      </FSAuditedBasisGrp>
      <AuditCommitteeInd>0</AuditCommitteeInd>
      <FederalGrantAuditRequiredInd>0</FederalGrantAuditRequiredInd>
    </IRS990>
    <IRS990ScheduleA documentId="RetDoc1039100001">
      <PubliclySupportedOrg509a2Ind>X</PubliclySupportedOrg509a2Ind>
      <GiftsGrantsContrisRcvd509Grp>
        <CurrentTaxYearMinus4YearsAmt>10377</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>187221</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>187517</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>36349</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>134263</CurrentTaxYearAmt>
        <TotalAmt>555727</TotalAmt>
      </GiftsGrantsContrisRcvd509Grp>
      <GrossReceiptsAdmissionsGrp>
        <CurrentTaxYearMinus4YearsAmt>90000</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>130000</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>38688</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>45593</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>28155</CurrentTaxYearAmt>
        <TotalAmt>332436</TotalAmt>
      </GrossReceiptsAdmissionsGrp>
      <Total509Grp>
        <CurrentTaxYearMinus4YearsAmt>100377</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>317221</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>226205</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>81942</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>162418</CurrentTaxYearAmt>
        <TotalAmt>888163</TotalAmt>
      </Total509Grp>
      <AmountsRcvdDsqlfyPersonGrp>
        <TotalAmt>0</TotalAmt>
      </AmountsRcvdDsqlfyPersonGrp>
      <SubstantialContributorsAmtGrp>
        <TotalAmt>0</TotalAmt>
      </SubstantialContributorsAmtGrp>
      <SubstAndDsqlfyPrsnsTotGrp>
        <TotalAmt>0</TotalAmt>
      </SubstAndDsqlfyPrsnsTotGrp>
      <PublicSupportTotal509Amt>888163</PublicSupportTotal509Amt>
      <GrossInvestmentIncome509Grp>
        <CurrentTaxYearMinus4YearsAmt>515</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>399</CurrentTaxYearMinus3YearsAmt>
        <TotalAmt>914</TotalAmt>
      </GrossInvestmentIncome509Grp>
      <InvestmentIncomeAndUBTIGrp>
        <CurrentTaxYearMinus4YearsAmt>515</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>399</CurrentTaxYearMinus3YearsAmt>
        <TotalAmt>914</TotalAmt>
      </InvestmentIncomeAndUBTIGrp>
      <TotalSupportCalendarYearGrp>
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        <CurrentTaxYearMinus3YearsAmt>317620</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>226205</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>81942</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>162418</CurrentTaxYearAmt>
        <TotalAmt>889077</TotalAmt>
      </TotalSupportCalendarYearGrp>
      <PublicSupportCY509Pct>0.99900</PublicSupportCY509Pct>
      <InvestmentIncomeCYPct>0.00100</InvestmentIncomeCYPct>
      <ThirtyThrPctSuprtTestsCY509Ind>X</ThirtyThrPctSuprtTestsCY509Ind>
    </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>
        <InvestmentCostOrOtherBasisAmt>45103</InvestmentCostOrOtherBasisAmt>
        <BookValueAmt>45103</BookValueAmt>
      </LandGrp>
      <EquipmentGrp>
        <OtherCostOrOtherBasisAmt>14288</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>11202</DepreciationAmt>
        <BookValueAmt>3086</BookValueAmt>
      </EquipmentGrp>
      <TotalBookValueLandBuildingsAmt>48189</TotalBookValueLandBuildingsAmt>
      <OtherAssetsOrgGrp>
        <Desc>Mortgage loans, net of unamortized discount</Desc>
        <BookValueAmt>727011</BookValueAmt>
      </OtherAssetsOrgGrp>
      <TotalBookValueOtherAssetsAmt>727011</TotalBookValueOtherAssetsAmt>
      <OtherLiabilitiesOrgGrp>
        <Desc>Escrow Accounts</Desc>
        <Amt>31395</Amt>
      </OtherLiabilitiesOrgGrp>
      <TotalLiabilityAmt>31395</TotalLiabilityAmt>
      <TotalRevEtcAuditedFinclStmtAmt>447598</TotalRevEtcAuditedFinclStmtAmt>
      <OtherRevenueAmt>221716</OtherRevenueAmt>
      <RevenueNotReportedAmt>221716</RevenueNotReportedAmt>
      <RevenueSubtotalAmt>225882</RevenueSubtotalAmt>
      <RevenueNotReportedFinclStmtAmt>0</RevenueNotReportedFinclStmtAmt>
      <TotalRevenuePerForm990Amt>225882</TotalRevenuePerForm990Amt>
      <TotExpnsEtcAuditedFinclStmtAmt>414909</TotExpnsEtcAuditedFinclStmtAmt>
      <OtherExpensesIncludedAmt>221716</OtherExpensesIncludedAmt>
      <ExpensesNotReportedAmt>221716</ExpensesNotReportedAmt>
      <ExpensesSubtotalAmt>193193</ExpensesSubtotalAmt>
      <ExpensesNotRptFinclStmtAmt>0</ExpensesNotRptFinclStmtAmt>
      <TotalExpensesPerForm990Amt>193193</TotalExpensesPerForm990Amt>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part XI, Line 2d - Other Adjustments:</FormAndLineReferenceDesc>
        <ExplanationTxt>Cost of Home Sold</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part XII, Line 2d - Other Adjustments:</FormAndLineReferenceDesc>
        <ExplanationTxt>Cost of Home Sold</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleD>
    <IRS990ScheduleM documentId="RetDoc1042900001">
      <ClothingAndHouseholdGoodsGrp>
        <NonCashCheckboxInd>X</NonCashCheckboxInd>
        <NoncashContributionsRptF990Amt>31167</NoncashContributionsRptF990Amt>
      </ClothingAndHouseholdGoodsGrp>
      <AnyPropertyThatMustBeHeldInd>0</AnyPropertyThatMustBeHeldInd>
      <ReviewProcessUnusualNCGiftsInd>0</ReviewProcessUnusualNCGiftsInd>
      <ThirdPartiesUsedInd>0</ThirdPartiesUsedInd>
    </IRS990ScheduleM>
    <IRS990ScheduleO documentId="RetDoc1044400001">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section B, line 11b</FormAndLineReferenceDesc>
        <ExplanationTxt>Director of Organization reviews return and then authorizes return to be e-filed.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section C, line 19</FormAndLineReferenceDesc>
        <ExplanationTxt>A copy of this return is available upon request at the Habitat for Humanity office located at 108 North King Avenue, Dyersburg, TN 38024.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>