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SIGNATURE ROBERT ANDERSON
TITLE COMPLIANCE OFFICER
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</TABLE>
Independent Auditors' Report
The the Board of Trustees and Shareholders of
Tax-Free Fund for Utah:
In planning and performing our audit of the financial
statements of Tax-Free Fund for Utah (the "Fund")
for the year ended June 30, 1999, we considered its
internal control, including control activities for
safeguarding securities, in order to determine our auditing
procedures for the purpose of expressing our opinion on the
financial statements and to comply with the requirements of
Form N-SAR, not to provide assurance on the internal
control.
The management of the Fund is responsible for establishing
and maintaining internal control. In fulfilling this
responsibility, estimates and judgments by management are
required to assess the expected benefits and related costs
of controls. Generally, controls that are relevant to an
audit pertain to the entity's objective of preparing
financial statements for external purposes that are fairly
presented in conformity with generally accepted accounting
principles. Those controls include the safeguarding of
assets against unauthorized acquisitions, use, or
disposition.
Because of inherent limitations in internal control, error
or fraud may occur and not be detected. Also, projection
of any evaluation of internal control to future periods is
subject to the risk that is may become inadequate because
of changes in conditions or that the effectiveness of the
design and operation may deteriorate.
Our consideration on the internal control would not
necessarily disclose all matters in internal control that
might be material weaknesses under standards established by
the American Institute of Certified Public Accountants. A
material weakness is a condition in which the design or
operation of one or more of the internal control components
does not reduce to a relatively low level the risk that
misstatements cased by error or fraud in amounts that would
be material in relation to the financial statements being
audited may occur and not be detected within a timely
period by employees in the normal course of performing
their assigned functions. However, we noted no matters
involving internal control and its operation, including
controls for safeguarding securities, that we consider to
be material weaknesses as defined above as of June 30,
1999.
This report is intended solely for the information and use
of management, the Board of Trustees of Tax-Free Fund of Utah,
and the Securities and Exchange Commission.
/s/ KPMG LLP
- --------------------
New York, New York
July 27, 1999
