B&A

      April 28, 1997

                            Long Beach Housing Development

                           333 W. Ocean Blvd.

                           Long Beach, CA 90802

       To Whom It May Concern,

             As a consultant for the State of California's Century Freeway Housing Program, I have worked closely with Vitco Properties, Inc. for over 10 years. Having worked with all of the Property Supervisors at Vitco Properties, I have found all of them to be professional and able to perform all functions regarding the various homeowner association and their complexities. Vitco Properties has always been on top of all current association laws, has excellent collection policies and financials, and most importantly, deals with the homeowners in a fair and professional mariner.

  If you have any questions please call.

         Sincerely,

              Nancy Bianconi  

  Consultant