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        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>120</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>SAMUEL AKEL</PersonNm>
        <TitleTxt>REPRESENTATIVE</TitleTxt>
        <AverageHoursPerWeekRt>0.00</AverageHoursPerWeekRt>
        <AverageHoursPerWeekRltdOrgRt>0.00</AverageHoursPerWeekRltdOrgRt>
        <IndividualTrusteeOrDirectorInd>X</IndividualTrusteeOrDirectorInd>
        <ReportableCompFromOrgAmt>0</ReportableCompFromOrgAmt>
        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>120</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <TotalReportableCompFromOrgAmt>16630</TotalReportableCompFromOrgAmt>
      <TotReportableCompRltdOrgAmt>0</TotReportableCompRltdOrgAmt>
      <TotalOtherCompensationAmt>2640</TotalOtherCompensationAmt>
      <IndivRcvdGreaterThan100KCnt>0</IndivRcvdGreaterThan100KCnt>
      <FormerOfcrEmployeesListedInd>false</FormerOfcrEmployeesListedInd>
      <TotalCompGreaterThan150KInd>false</TotalCompGreaterThan150KInd>
      <CompensationFromOtherSrcsInd>false</CompensationFromOtherSrcsInd>
      <ProgramServiceRevenueGrp>
        <Desc>GROSS INSURANCE PROCEED</Desc>
        <BusinessCd>524126</BusinessCd>
        <TotalRevenueColumnAmt>250282</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>250282</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <TotalProgramServiceRevenueAmt>250282</TotalProgramServiceRevenueAmt>
      <InvestmentIncomeGrp>
        <TotalRevenueColumnAmt>79071</TotalRevenueColumnAmt>
        <ExclusionAmt>79071</ExclusionAmt>
      </InvestmentIncomeGrp>
      <TotalRevenueGrp>
        <TotalRevenueColumnAmt>329353</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>250282</RelatedOrExemptFuncIncomeAmt>
        <UnrelatedBusinessRevenueAmt>0</UnrelatedBusinessRevenueAmt>
        <ExclusionAmt>79071</ExclusionAmt>
      </TotalRevenueGrp>
      <InfoInScheduleOPartIXInd>X</InfoInScheduleOPartIXInd>
      <BenefitsToMembersGrp>
        <TotalAmt>24407</TotalAmt>
        <ProgramServicesAmt>24407</ProgramServicesAmt>
      </BenefitsToMembersGrp>
      <CompCurrentOfcrDirectorsGrp>
        <TotalAmt>14500</TotalAmt>
        <ManagementAndGeneralAmt>14500</ManagementAndGeneralAmt>
      </CompCurrentOfcrDirectorsGrp>
      <FeesForServicesAccountingGrp>
        <TotalAmt>500</TotalAmt>
        <ManagementAndGeneralAmt>500</ManagementAndGeneralAmt>
      </FeesForServicesAccountingGrp>
      <FeesForServicesOtherGrp>
        <TotalAmt>150169</TotalAmt>
        <ManagementAndGeneralAmt>150169</ManagementAndGeneralAmt>
      </FeesForServicesOtherGrp>
      <OfficeExpensesGrp>
        <TotalAmt>293</TotalAmt>
        <ManagementAndGeneralAmt>293</ManagementAndGeneralAmt>
      </OfficeExpensesGrp>
      <InformationTechnologyGrp>
        <TotalAmt>899</TotalAmt>
        <ManagementAndGeneralAmt>899</ManagementAndGeneralAmt>
      </InformationTechnologyGrp>
      <ConferencesMeetingsGrp>
        <TotalAmt>8889</TotalAmt>
        <ManagementAndGeneralAmt>8889</ManagementAndGeneralAmt>
      </ConferencesMeetingsGrp>
      <OtherExpensesGrp>
        <Desc>NJ STATE FILING FEE</Desc>
        <TotalAmt>31</TotalAmt>
        <ManagementAndGeneralAmt>31</ManagementAndGeneralAmt>
      </OtherExpensesGrp>
      <TotalFunctionalExpensesGrp>
        <TotalAmt>199688</TotalAmt>
        <ProgramServicesAmt>24407</ProgramServicesAmt>
        <ManagementAndGeneralAmt>175281</ManagementAndGeneralAmt>
        <FundraisingAmt>0</FundraisingAmt>
      </TotalFunctionalExpensesGrp>
      <CashNonInterestBearingGrp>
        <BOYAmt>43487</BOYAmt>
        <EOYAmt>23477</EOYAmt>
      </CashNonInterestBearingGrp>
      <SavingsAndTempCashInvstGrp>
        <BOYAmt>2049790</BOYAmt>
        <EOYAmt>2199465</EOYAmt>
      </SavingsAndTempCashInvstGrp>
      <TotalAssetsGrp>
        <BOYAmt>2093277</BOYAmt>
        <EOYAmt>2222942</EOYAmt>
      </TotalAssetsGrp>
      <TotalLiabilitiesGrp>
        <BOYAmt>0</BOYAmt>
        <EOYAmt>0</EOYAmt>
      </TotalLiabilitiesGrp>
      <OrgDoesNotFollowFASB117Ind>X</OrgDoesNotFollowFASB117Ind>
      <RtnEarnEndowmentIncmOthFndsGrp>
        <BOYAmt>2093277</BOYAmt>
        <EOYAmt>2222942</EOYAmt>
      </RtnEarnEndowmentIncmOthFndsGrp>
      <TotalNetAssetsFundBalanceGrp>
        <BOYAmt>2093277</BOYAmt>
        <EOYAmt>2222942</EOYAmt>
      </TotalNetAssetsFundBalanceGrp>
      <TotLiabNetAssetsFundBalanceGrp>
        <BOYAmt>2093277</BOYAmt>
        <EOYAmt>2222942</EOYAmt>
      </TotLiabNetAssetsFundBalanceGrp>
      <ReconcilationRevenueExpnssAmt>129665</ReconcilationRevenueExpnssAmt>
      <OtherChangesInNetAssetsAmt>0</OtherChangesInNetAssetsAmt>
      <MethodOfAccountingCashInd>X</MethodOfAccountingCashInd>
      <AccountantCompileOrReviewInd>false</AccountantCompileOrReviewInd>
      <FSAuditedInd>false</FSAuditedInd>
    </IRS990>
    <IRS990ScheduleO documentId="990O">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Officer directors etc family relationship Part VI line 2</FormAndLineReferenceDesc>
        <ExplanationTxt>990 PART VI SECTION A 2 GEORGE A PORTO (TREASURER)AND TERRY HOLTJE (REPRESENTATIVE)ARE BROTHERS-IN-LAW</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Members or stockholder classes and rights Part VI line 6</FormAndLineReferenceDesc>
        <ExplanationTxt>SECTION A 6 AND 7A MEMBERSHIP IN THE ASSOCIATION IS ACHIEVED BY BECOMING AN ACTIVE MEMBER OF THE LOCAL FIRE DEPARTMENT (COMPANY) EACH COMPANY IN THE MUNICIPALITY (FOUR COMPANIES) ELECTS OR APPOINTS THREE REPRESENTATIVES AND A TRUSTEE TO SERVE ON THE BOARDS (REPRESENTATIVES OR TRUSTEES) PLUS THE LOCAL EXEMPT ASSOCIATION APPOINTS THREE REPRESENTATIVES TO SERVE ON THE BOARD OF REPRESENTATIVES. THE CHIEF OF THE DEPARTMENT IS AN AUTOMATIC MEMBER.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Member election for additional members Part VI line 7a</FormAndLineReferenceDesc>
        <ExplanationTxt>SECTION A 6 AND 7A MEMBERSHIP IN THE ASSOCIATION IS ACHIEVED BY BECOMING AN ACTIVE MEMBER OF THE LOCAL FIRE DEPARTMENT (COMPANY) EACH COMPANY IN THE MUNICIPALITY (FOUR COMPANIES) ELECTS OR APPOINTS THREE REPRESENTATIVES AND A TRUSTEE TO SERVE ON THE BOARDS (REPRESENTATIVES OR TRUSTEES) PLUS THE LOCAL EXEMPT ASSOCIATION APPOINTS THREE REPRESENTATIVES TO SERVE ON THE BOARD OF REPRESENTATIVES.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Committee meeting documentation Part VI line 8b</FormAndLineReferenceDesc>
        <ExplanationTxt>DETAILS DELIVERED UPON REQUEST</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990 governing body review Part VI line 11</FormAndLineReferenceDesc>
        <ExplanationTxt>SECTION B 11A TREASURER COPIED PRESIDENT, VICE PRESIDENT AND SECRETARY. REPORT WILL BE READ AT THE NEXT MEETING OF THE BOARD OF REPRESENTATIVES,PLUS A COPY WILL BE SENT TO THE STATE OFFICES: NEW JERSEY FIREMENSS ASSOCIATION 1711 RT34 SOUTH WALL TOWNSHIP NJ 07727</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Governing documents etc available to public Part VI line 19</FormAndLineReferenceDesc>
        <ExplanationTxt>SECTION C 19 UPON REQUEST TO MY KNOWLEDGE NO ONE HAS REQUESTED ANY REPORTS OR INFOMATION.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>List of other fees for services expenses Part IX line 11g</FormAndLineReferenceDesc>
        <ExplanationTxt>990 PART IX SECTION 11G COLLECTION OF THE INSURANCE ASSESSMENTS ARE COLLECTED BY THE STATE AND DISTRIBUTED BY THE NJ STATE FIREMENS ASSOCIATION MAIN OFFICE. THE STATE THEN KEEPS 60% OF THE LOCAL ASSOCIATIONS FUNDS TO COVER THE STATE ASSOCIATIONS OBLIGATIONS AND SENDS 40% TO THE LOCAL ASSOCIATION. THE ASSOCIATIONS MAIN OFFICE ADDRESS IS LISTED ABOVE.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>
