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        <Description2Txt>ANDOVER SENIOR CENTER- FOOT CARE FOR ELDERLY</Description2Txt>
        <Expenses2Amt>18000</Expenses2Amt>
        <Description3Txt>MERRIMAC VALLEY YMCA - ACTIVE LIVING CENTER FOR OLDER ADULT</Description3Txt>
        <Expenses3Amt>10900</Expenses3Amt>
        <Description4Txt>TOWN OF ANDOVER - ELDER &amp; VETERAN - VULNERABLE HOME OWNERS</Description4Txt>
        <Expenses4Amt>10000</Expenses4Amt>
      </SummaryOfDirectChrtblActyGrp>
      <SumOfProgramRelatedInvstGrp>
        <Description1Txt>N/A</Description1Txt>
      </SumOfProgramRelatedInvstGrp>
      <MinimumInvestmentReturnGrp>
        <AverageMonthlyFMVOfSecAmt>1599030</AverageMonthlyFMVOfSecAmt>
        <AverageMonthlyCashBalancesAmt>1630</AverageMonthlyCashBalancesAmt>
        <FMVAllOtherNoncharitableAstAmt>680</FMVAllOtherNoncharitableAstAmt>
        <TotalFMVOfUnusedAssetsAmt>1601340</TotalFMVOfUnusedAssetsAmt>
        <AdjustedTotalFMVOfUnusedAstAmt>1601340</AdjustedTotalFMVOfUnusedAstAmt>
        <CashDeemedCharitableAmt>24020</CashDeemedCharitableAmt>
        <NetVlNoncharitableAssetsAmt>1577320</NetVlNoncharitableAssetsAmt>
        <MinimumInvestmentReturnAmt>78866</MinimumInvestmentReturnAmt>
      </MinimumInvestmentReturnGrp>
      <DistributableAmountGrp>
        <MinimumInvestmentReturnAmt>78866</MinimumInvestmentReturnAmt>
        <TaxBasedOnInvestmentIncomeAmt>431</TaxBasedOnInvestmentIncomeAmt>
        <TotalTaxAmt>431</TotalTaxAmt>
        <DistributableBeforeAdjAmt>78435</DistributableBeforeAdjAmt>
        <DistributableBeforeDedAmt>78435</DistributableBeforeDedAmt>
        <DistributableAsAdjustedAmt>78435</DistributableAsAdjustedAmt>
      </DistributableAmountGrp>
      <PFQualifyingDistributionsGrp>
        <ExpensesAndContributionsAmt>84214</ExpensesAndContributionsAmt>
        <QualifyingDistributionsAmt>84214</QualifyingDistributionsAmt>
      </PFQualifyingDistributionsGrp>
      <UndistributedIncomeGrp>
        <DistributableAsAdjustedAmt>78435</DistributableAsAdjustedAmt>
        <ExcessDistributionCyovYr5Amt>63463</ExcessDistributionCyovYr5Amt>
        <ExcessDistributionCyovYr4Amt>118709</ExcessDistributionCyovYr4Amt>
        <ExcessDistributionCyovYr3Amt>54839</ExcessDistributionCyovYr3Amt>
        <ExcessDistributionCyovYr2Amt>479</ExcessDistributionCyovYr2Amt>
        <ExcessDistributionCyovYr1Amt>8356</ExcessDistributionCyovYr1Amt>
        <TotalExcessDistributionCyovAmt>245846</TotalExcessDistributionCyovAmt>
        <QualifyingDistributionsAmt>84214</QualifyingDistributionsAmt>
        <AppliedToCurrentYearAmt>78435</AppliedToCurrentYearAmt>
        <RemainingDistriFromCorpusAmt>5779</RemainingDistriFromCorpusAmt>
        <TotalCorpusAmt>251625</TotalCorpusAmt>
        <UndistributedIncomeCYAmt>0</UndistributedIncomeCYAmt>
        <ExcessDistriCyovFromYr5Amt>63463</ExcessDistriCyovFromYr5Amt>
        <ExcessDistriCyovToNextYrAmt>188162</ExcessDistriCyovToNextYrAmt>
        <ExcessFromYear4Amt>118709</ExcessFromYear4Amt>
        <ExcessFromYear3Amt>54839</ExcessFromYear3Amt>
        <ExcessFromYear2Amt>479</ExcessFromYear2Amt>
        <ExcessFromYear1Amt>8356</ExcessFromYear1Amt>
        <ExcessFromCurrentYearAmt>5779</ExcessFromCurrentYearAmt>
      </UndistributedIncomeGrp>
      <SupplementaryInformationGrp>
        <ApplicationSubmissionInfoGrp>
          <RecipientPersonNm>THOMAS J URBELIS PRESIDENT</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>6 EASTMAN ROAD</AddressLine1Txt>
            <CityNm>ANDOVER</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01810</ZIPCd>
          </RecipientUSAddress>
          <RecipientPhoneNum>9784759551</RecipientPhoneNum>
          <FormAndInfoAndMaterialsTxt>WRITTEN REQUEST AND DEMONSTRATE A NEED FOR ELDERLY PERSONS IN ANDOVER, MA</FormAndInfoAndMaterialsTxt>
          <SubmissionDeadlinesTxt>N/A</SubmissionDeadlinesTxt>
          <RestrictionsOnAwardsTxt>N/A</RestrictionsOnAwardsTxt>
        </ApplicationSubmissionInfoGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>TOWN OF ANDOVER ELDER &amp; VETERAN</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>30 WHITTIER CT</AddressLine1Txt>
            <CityNm>ANDOVER</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01810</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusTxt>MUNICIPALITY</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>VULNERABLE HOME OWNERS</GrantOrContributionPurposeTxt>
          <Amt>10000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>TOWN OF ANDOVER SENIOR CENTER</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>30 WHITTIER CT</AddressLine1Txt>
            <CityNm>ANDOVER</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01810</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusTxt>MUNICIPALITY</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>FOOT CARE FOR ELDERLY</GrantOrContributionPurposeTxt>
          <Amt>18000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>TOWN OF ANDOVER SENIOR CENTER</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>30 WHITTIER CT</AddressLine1Txt>
            <CityNm>ANDOVER</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01810</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusTxt>MUNICIPALITY</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>FOOD &amp; BASIC NECESSITIES</GrantOrContributionPurposeTxt>
          <Amt>500</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>FAMILY SERVICE INC</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>430 NORTH CANAL STREET</AddressLine1Txt>
            <CityNm>LAWRENCE</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01840</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusTxt>501 (C) (3)</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>ELDER HEALTH CARE SERVICES</GrantOrContributionPurposeTxt>
          <Amt>26020</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>MERRIMACK VALLEY YMCA</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>165 HAVERHILL STREET</AddressLine1Txt>
            <CityNm>ANDOVER</CityNm>
            <StateAbbreviationCd>MA</StateAbbreviationCd>
            <ZIPCd>01810</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusTxt>501 (C) (3)</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>ACTIVE LIVING CENTER FOR OLDER ADULT</GrantOrContributionPurposeTxt>
          <Amt>10900</Amt>
        </GrantOrContributionPdDurYrGrp>
        <TotalGrantOrContriPdDurYrAmt>65420</TotalGrantOrContriPdDurYrAmt>
      </SupplementaryInformationGrp>
      <AnalysisIncomeProducingActyGrp>
        <IntOnSavAndTempCashInvstGrp>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>13</ExclusionAmt>
        </IntOnSavAndTempCashInvstGrp>
        <DividendsAndInterestFromSecDtl>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>41621</ExclusionAmt>
        </DividendsAndInterestFromSecDtl>
        <GainSalesAstOthThanInvntryGrp>
          <ExclusionCd>18</ExclusionCd>
          <RelatedOrExemptFunctionIncmAmt>2932</RelatedOrExemptFunctionIncmAmt>
        </GainSalesAstOthThanInvntryGrp>
        <OtherRevenueDescribedGrp>
          <Desc>FEDERAL TAX REFUND</Desc>
          <ExclusionCd>1</ExclusionCd>
          <ExclusionAmt>580</ExclusionAmt>
        </OtherRevenueDescribedGrp>
        <SubtotalsIncmProducingActyGrp>
          <ExclusionAmt>42214</ExclusionAmt>
          <RelatedOrExemptFunctionIncmAmt>2932</RelatedOrExemptFunctionIncmAmt>
        </SubtotalsIncmProducingActyGrp>
        <TotalIncomeProducingActyAmt>45146</TotalIncomeProducingActyAmt>
      </AnalysisIncomeProducingActyGrp>
      <RlnOfActyToAccomOfExmptPrpsGrp>
        <RlnOfActyToAccomOfExmptPrpsGrp>
          <LineNumberTxt>8</LineNumberTxt>
          <RelationshipStatementTxt>GAIN (LOSS) ON SALE OF SECURITIES IN THE ENDOWMENT</RelationshipStatementTxt>
        </RlnOfActyToAccomOfExmptPrpsGrp>
      </RlnOfActyToAccomOfExmptPrpsGrp>
      <TrnsfrTransRlnNonchrtblEOGrp>
        <TrnsfrOfCashToNonchrtblEOInd>false</TrnsfrOfCashToNonchrtblEOInd>
        <TrnsfrOtherAssetNonchrtblEOInd>false</TrnsfrOtherAssetNonchrtblEOInd>
        <SalesOrExchangesOfAssetsInd>false</SalesOrExchangesOfAssetsInd>
        <PurchaseOfAssetsNonchrtblEOInd>false</PurchaseOfAssetsNonchrtblEOInd>
        <RentalOfFacilitiesOthAssetsInd>false</RentalOfFacilitiesOthAssetsInd>
        <ReimbursementArrangementsInd>false</ReimbursementArrangementsInd>
        <LoansOrLoanGuaranteesInd>false</LoansOrLoanGuaranteesInd>
        <PerformanceOfServicesEtcInd>false</PerformanceOfServicesEtcInd>
        <SharingOfFacilitiesEtcInd>false</SharingOfFacilitiesEtcInd>
        <RelationshipsNonchrtblEOInd>false</RelationshipsNonchrtblEOInd>
      </TrnsfrTransRlnNonchrtblEOGrp>
    </IRS990PF>
    <AccountingFeesSchedule documentId="RetDoc1">
      <AccountingFeesDetail>
        <CategoryTxt>ACCOUNTING FEES</CategoryTxt>
        <Amt>9901</Amt>
        <NetInvestmentIncomeAmt>4950</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>4951</DisbursementsCharitablePrpsAmt>
      </AccountingFeesDetail>
    </AccountingFeesSchedule>
    <InvestmentsCorpBondsSchedule documentId="RetDoc2">
      <InvestmentsCorporateBondsGrp>
        <BondNm>CORPORATE BONDS</BondNm>
        <EOYBookValueAmt>345822</EOYBookValueAmt>
        <EOYFMVAmt>362838</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
    </InvestmentsCorpBondsSchedule>
    <InvestmentsCorpStockSchedule documentId="RetDoc3">
      <InvestmentsCorporateStockGrp>
        <StockNm>COMMON STOCK</StockNm>
        <EOYBookValueAmt>603805</EOYBookValueAmt>
        <EOYFMVAmt>1103472</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
    </InvestmentsCorpStockSchedule>
    <OtherAssetsSchedule documentId="RetDoc4">
      <OtherAssetsScheduleGrp>
        <Desc>CEMETERY LOTS</Desc>
        <BOYBookValueAmt>50</BOYBookValueAmt>
        <EOYBookValueAmt>50</EOYBookValueAmt>
        <EOYFMVAmt>50</EOYFMVAmt>
      </OtherAssetsScheduleGrp>
    </OtherAssetsSchedule>
    <OtherExpensesSchedule documentId="RetDoc5">
      <OtherExpensesScheduleGrp>
        <Desc>EXPENSES</Desc>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>CHRISTMAS BASKETS &amp; GIFTS</Desc>
        <RevenueAndExpensesPerBooksAmt>8765</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>8765</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>OFFICE SUPPLIES AND MISC.</Desc>
        <RevenueAndExpensesPerBooksAmt>1404</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>1404</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>FOREIGN TAX WITHHELD</Desc>
        <RevenueAndExpensesPerBooksAmt>249</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>249</NetInvestmentIncomeAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>BANK FEES</Desc>
        <RevenueAndExpensesPerBooksAmt>59</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>59</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>STATE FILING FEES</Desc>
        <RevenueAndExpensesPerBooksAmt>15</RevenueAndExpensesPerBooksAmt>
        <DisbursementsCharitablePrpsAmt>15</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
    </OtherExpensesSchedule>
    <OtherIncomeSchedule2 documentId="RetDoc6">
      <OtherIncomeDetail>
        <Desc>FEDERAL TAX REFUND</Desc>
        <RevenueAndExpensesPerBooksAmt>580</RevenueAndExpensesPerBooksAmt>
      </OtherIncomeDetail>
    </OtherIncomeSchedule2>
    <OtherProfessionalFeesSchedule documentId="RetDoc7">
      <OtherProfessionalFeesDetail>
        <CategoryTxt>INVESTMENT COUNSEL</CategoryTxt>
        <Amt>7162</Amt>
        <NetInvestmentIncomeAmt>7162</NetInvestmentIncomeAmt>
      </OtherProfessionalFeesDetail>
    </OtherProfessionalFeesSchedule>
  </ReturnData>
</Return>